BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-05
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2021, I went into my local chase to apply for the in-branch offer ( XXXX pt + {$50.00} grocery credit + 1st year annual fee waived ). However, there were some issues on Chase 's end and the card would not appear in my profile. My local agent called customer service and they said they were experiencing a system glitch. During the call, the agent told me to apply on my phone right in the branch and if I get the card, they would honor the annual fee waiver since their system wasn't working on their end. I did not get approved immediately, but I did get approval 3 days later. When I got the official approval, I called customer service myself to confirm that they would honor the annual fee waiver. The agent confirmed yes after a long hold. A month later, I got charged the annual fee, and the issue got escalated by both my local agent and the branch manager. My physical in branch visit was noted in their system and they can clearly see when I submitted the app. I want Chase to honor their agreement and waive my annual fee of {$95.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-06
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Hello, This is a formal complaint against Sequoia Financial Services. The debt collection of {$10000.00} has been attempted to be collected on multiple occasions even after the request to stop. I have called every month on the XXXX for the past 6 months to ask to please stop calling other people around me. MY neighbors and employers have all received calls from the names, XXXX, XXXX, XXXX and XXXX. 
I have recently been denied a job opportunity during this extremely hard time during a pandemic due to the negative collection amount from this debt collector. I have gotten word from relatives and other co workers that Sequoia Financial has continued to get information from a third party for me to pay the debt. Violating their privacy and others. 

Under the Hippa law protection, Sequoia has violated the terms of this law in trying to collect a debt and providing information that has not been authorized by me. I have been denied a position to survive in these troubling times. 

At this point I have contacted a lawyer and we are prepared to sue for defamation of character and for punitive damages. Sequoia Financial and XXXX XXXX have violated laws in trying to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Paramount Recovery Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and found an account in collections that is not mine. The original lender for the account is XXXX XXXX XXXX XXXX opened 1 Years, 4 Months ago. The collections company is PARAMOUNT RECOVERY. I lived in Arizona years ago but have not been in the state since XX/XX/2016there is no way this account is mine. It is fraud and terribly hurting my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Aldous & Associates, PLLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I currently have a gym membership with a company name XXXX XXXX. Aldous & Associates as their debt collection law firm. I have been actively going to the gym with an account in good standing right up until COVID-19 hit and the gym closed at the beginning of XX/XX/XXXX. In XXXX, I signed up for personal training 3 times a week with this company. I started training with their personal trainers who were terrible and after about 2 months or so I decided to stop utilizing their services, and stopped scheduling my appts. I did this because the training program was geared around making people continue to utilize their services, not seeing results and not getting personalized workouts tailored to individual needs. I however continued with my gym membership. They claim that I never canceled my contract so they continued to bill me even though I wasnt utilizing those services anymore. Their charges are roughly {$50.00} for each training session. They are charging me approximately 30 training sessions that I did not take advantage of or utilize. They are holding me hostage and did not provide the quality service for which we agreed upon. I spoke with manager of the gym and they told me it would be fine as long as I kept my membership account current which I did and paid them the past due amount for the gym membership and they turn my membership back on ( over a year ago, and is still in good standing ). The law firm refuses to talk to me unless the account unless its about a payment, and the gym will no longer discuss this account because its now with the collection agency. They are trying to extort me out of {$1600.00} for services they did not provide.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After months of back and forth and many phone calls, I finally found someone who would return my call to explain if a charge that was to be reversed was ever reversed. I have since followed up with her on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have yet to get a call back. 

My contact 's name is XXXX and she is at XXXX and I am looking into why I have a charge on my XX/XX/2018 statement and also an accounting for the multiple entries to my account. 

I have an auto pay set up for my mortgage and have always paid on time and am not sure why the customer service at this bank has been lacking. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX Was reported as a charge off, but is still reporting late payments. 
This is a violation of my credit reporting rights Iv ask for investigation on this matter more than twice and its still reporting on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. Also, the credit bureaus DID NOT include an account number as to the claim on my report, thus indicating that the account is fraudulent. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. The account from XXXX XXXX XXXX doesn't have an account number which furthers the validity of the=is claim. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: State Collection Service, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent State Collection Service, Inc an Affidavit of truth, Cease and Desist, and Debt Validation letter on XX/XX/2021. State Collection Service , Inc received the package on XX/XX/2021. They were given 30 days to respond and have not. An unrebutted Affidavit stands as truth. 

State Collection Service , Inc is in violation of 15 USC 1692b ( 2 ) State Collection Service , Inc is in violation of 15 USC 1692b ( 5 ) State Collection Service , Inc is in violation of 15 USC 1692d ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
An assistance letter was sent to Select Portfolio Servicing to keep my home XXXX, when it was transfered from XXXX XXXX XXXX. I have lived in the home since XXXX when it was purchased. I incurred XXXX XXXX, then a back injury in and was out of work for almost a year, and have proof of all of this. I filed the Ch XXXX, and was paying the mortgage payments on time. I requested to find a way to reduce my monthly payments to avoid foreclosure. I am currently working and able to make a reasonable mortgage payment. I requested for SPS to work with me on XXXX, when I was told by SPS they had not recieved payments for several months from the trustee dated back from XXXX. I have proof from my trustee that payments were made up to XXXX. I have questioned SPS, and I get no where with them. I have recieved letters indicating client, ( I ) have opted out of any type of assistance, and that is not true!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Chime " Bank '' emailed me with instructions on how to unlock my account. I have never had a Chime account - I have never done any business with Chime - I have never contacted Chime. There is no reason for Chime to have my email address. I suspected someone had opened an account with my email address - or was trying to do so. 

I reached out to Chime, and their online " Help '' bot instructed me to email them at XXXX. After a few emails back & forth, Chime requested a picture of my driver 's license and the last four digits of my SSN in order to investigate. 

Chime found no account in my name, and attributed their initial email to me as a " glitch in the system ''. they said there was no further concern. But Chime should not even have my email address on file- unless someone provided it to them under fraudulent terms. I asked Chime to investigate further, and I am waiting for their reply. But they were responding within the hour previously, and I have not heard from them today. Please advise. I am concerned someone is trying to open an account with this " bank '' using my personal information - and Chime does not seem to be concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
They fail to send statements like I have always received for years. Because of that a payment was missed. Because of that they charged a late fee and interest. This was for last month. This month they have failed to send a statement again and this time on their website, one document says no minimum payment is due today and another statement says {$41.00} minimum is due. So if I had believed their first statement, no payment would have been sent today and another late fee and interest would have been charged. This is a clear and obvious pattern of fraud! So then I call on the phone and their system will not accept responses so I can not even talk to anyone. I will not make any more payments now until these issued are corrected as this is a breech of contract and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-05
Company: Mr. Cooper Group Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX Mr. Cooper XXXX XXXX and XXXX XXXX  Bureau both ran my credit under false pretenses. I inquired about refinancing my home and let both parties know that I was self employed. I let them know that I was under the impression that they averaged out 2 years of income for your qualifying income requirements and if that was the case that I didn't make enough in XXXX to be able to be at the 2 year average I needed to be at. Both financial institutions told me that if I had been business 3 years or more that they would use one years tax returns to qualify me. After I gave my consent to run my credit and gave a copy of my XXXX Tax returns I got return calls from both mortgage brokers telling me that some thing had just changed and now they are requiring 2 years average of tax returns. I was outraged when they told me that because that is exactly what I had told them before they reassured me that I was incorrect. They are the professionals and should know that before giving me wrong information. When I expressed how upset I was and that they ran my credit for no reason neither of them could have cared less. I asked to speak with managers who said their employees did nothing wrong. 

This can't be how banks are allowed to do business, guessing and not having the correct, real time information before making a decision that impacts the consumer. I am about to refinance and there are 2 looming hard inquired on my credit that leaves such a bad taste in my mouth that I researched what I can do about it so that is why I am writing you today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving phone calls from the same debt collector for over 2 months with repetitive phone calls everyday even on the weekends. I receive 3-4 phone calls a day, starting at XXXXXXXX XXXX - XXXX XXXX and I have continued to receive them even after asking the company to please stop calling so much. I dont care that they call its the fact that they call all day long asking the same questions as if the person before didnt note the account. Im so frustrated with this continuous bothersome calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously submitted 2 request to have a collection account that was reported on my credit on XX/XX/2021 from a company named XXXX XXXX XXXX to be investigated since I am a active servicemember with full insurance. The Credit Bureaus, Experian and XXXX claimed to have verified the debt, so I followed up with a request for verification from them and the Company which reported the Debt. The company XXXX XXXX has not sent me verification requested and it is pass 30 business days. Nor, has the credit bureau given the requested information. I have a rights under FCRA to see the information that is being reported and verify the documents are in fact mines and error free. I have submitted them verification that I should not have a medical debt when I have full insurance that pays 100 percent of medical expenses. I have requested this be removed from my credit file as the insurance and medical provider must settle any debts as a part of my coverage. This further hurting my credit file and inaccurate representation of me as a consumer. I have requested twice that my file be update. XXXX is reporting a medical debt similar with no information provided to counter the account. This is poor work ethic on behalf of the credit bureaus and costing more financial strain to have to resubmit verification of accounts that have already been provided the proof necessary that they are inaccurate. Instead, they are updating the accounts and not speaking to the consumer or providing their methods of verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2021 i submitted documentation to the credit agencies requesting them to remove accounts. that has been reporting as a violation pursuant to 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the " term " credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining money property labor or services on credit. The credit card is my Social Security Card.The card used to create the consumer transaction listed. 
The company did not responded in the time allowed so these accounts should be removed.i received notice of receipt on XXXX XXXX, XXXX and XXXX with no response and it is past the 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Over the past 3 months I have been sending letters to Experian to correct my credit report. They simple send letters back saying that the accounts are verified, who is verifying! They are in violation under FCRA 611 ( a ) ( 7 ) and have not deleted the following accounts : XXXX XXXX XXXX : reinstated on my credit report with out a written 5 day notice XXXX XXXX : reinstated on my credit report without a written 5 day notice XXXX  : reinstated on my credit report without a written 5 day notice XXXX : reinstated on my credit report without a written 5 day notice This is a violation of the FCRA 611 a 7 and I want experian to correct the violation so no other action will be required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I found a charge on a Chase credit card on my XXXX and XXXX bills that I did not recognize. The charge was for {$16.00} each month and the only identification of the organization making the charge was the term " XXXX XXXX '' followed by an unintelligible string of letters and numbers. I submitted a written request to Chase about this issue on XX/XX/XXXX providing all the relevant information that I had. 

Chase responded asking me for some specific information most of which I did not have. I replied to them on XX/XX/XXXX noting that in the interim I had received a XXXX invoice with the same charge to the same name with another string of unintelligible of letters and numbers. 

On XX/XX/XXXX I received a form letter from Chase stating that they " ... contacted the merchant to discuss the disputed transaction '', while not providing me with identifying information on the merchant or what was the merchant 's explanation. They also stated that the charges would appear on my bill on my next statement. Chase provided no useful assistance to me to resolve this issue or even tell me who was charging these amounts!!! 

It appears that I will be charged $ XXXX/monthly by this unknown organization in perpetuity. What can I do? Can I pay off this Chase card and cancel it? The name on the letter is XXXX XXXX Claim ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noiced fraudulent accounts. Please delete them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation