BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-14
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
XX/XX/XXXX Consumer Complaint, This is a complaint against the handling of an Extended Warranty claim ( XXXX ) with XXXX  XXXX  XXXX  ( XXXX  ). My Chase Freedom Visa credit card has an Extended Warranty benefit administrated by XXXX. The magnetron on my XXXX microwave went out, so the microwave does not heat food. XXXX warranties their magnetrons for 3 years. Chase and XXXX  extends the XXXX warranty by 1 year. XXXX  denied my Extended Warranty claim refusing to pay for a valid claim. I submitted all of the paperwork : XXXX  online claim form, XXXX magnetron receipt, Chase Freedom Credit Card Statement, XXXX email, and replacement receipt for a microwave at XXXX XXXX. I was well within the 60 days notice of reporting the defective magnetron to XXXX  on XX/XX/XXXX. The date of loss was XX/XX/XXXX.  All documentation was uploaded within 90 days on XXXX  

The XXXX magnetron receipt states that the magnetron has a 3 year Replacement Warranty and shows " XXXX '' ( Chase ) for the credit card charged. The XXXX email explains that XXXX does not repair magnetrons, but only replaces them when under warranty. My XXXX warranty expired on XX/XX/XXXX. My XXXX  extended warranty covers XX/XX/XXXX to XX/XX/XXXX. I replaced the microwave at XXXX XXXX for {$330.00} on XX/XX/XXXX. XXXX  wants to ignore claims and teach consumers not to file. Chase needs to know that XXXX  is not paying out for valid Extended Warranty claims. I request that XXXX  reimburse me {$230.00} for the XXXX magnetron that was covered under their XXXX  Extended Warranty. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tel : XXXX Policy Administrator : XXXX  XXXX  XXXX  ( XXXX  ) XXXX XXXX XXXX XXXX, XXXX XXXX, Tel : XXXX or XXXX XXXX  email : XXXX XXXX  Website : XXXX XXXX  Extended Warranty Claim # : XXXX Date of Loss : XX/XX/XXXX Filing Date of Online Claim Form with XXXX  : XX/XX/XXXX Claim Amount for XXXX Magnetron : {$230.00} ( before sales tax ), {$240.00} ( after tax ) Description of Damage : Defective magnetron in microwave makes no heat. The microwave does not function. 

Purchased Original XXXX Magnetron : XXXX XXXX Magnetron Replacement Warranty is 3 years : XX/XX/XXXX to XX/XX/XXXX XXXX  Extended Warranty is 1 year : XX/XX/XXXX to XX/XX/XXXX Replaced Defective Microwave at XXXX XXXX : XX/XX/XXXX Claimant/Policy Holder : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tel : XXXX Chase Freedom Visa Credit Card # : XXXX XXXX XXXX XXXX Chase Freedom Visa Credit Cards : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tel : XXXX Chase Website : www.chase.com

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-05
Company: BARCLAYS BANK DELAWARE
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
Used credit card to pay a shipping company to transport a pallet of boxes from XXXX XXXX to XXXX. One time transaction. The shipping company charged me for this transaction. However, 45 days later, they charged me the same amount again, for the same transaction and without my authorization.

I disputed the second fraudulent charge with Barclays card immediately after realizing this transaction on my account, but did not receive any favorable resolution. Only a letter stating they could not do anything.

I want to file a complaint against Barclay card for misleading customers about fraudulent charge protection when using their card. It is know that banks provide purchase protection, price protection and extended warranties insurance to customers without any additional charges.However in my case, they did not process a claim - even after supplying them with appropriate documentation and proof.

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 2019-04-14
Company: AES/PHEAA
State: ND
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have received notifications from Credit reporting agencies of negative remarks, balances have increased twice since I just refinanced with XXXX in XX/XX/2019, Inhave been making on time payments and my balance has increased TWICE. My current balance is less then the amounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: Experian Information Solutions Inc.
State: NY
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 am contacting you because XXXX is reporting things on my credit report that do not belong to me and I have already submitted a police report and added a fraud alert on my credit report my score dropped 45 points for an account that doesnt belong to me and that was fraudulently opened. I want this fraudulent account removed at once because it does not belong to me and I had no knowledge of it being opened and it is fraud and I want it removed from my credit report at once because its fraud and does not belong to me. This is the account I want removed it is fraud and does not belong to me. XXXX XXXX XXXX XXXX Opened XX/XX/2018 + {$390.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Also I keep asking them to update balances on all my accounts which they refuse to do XXXX XXXX  and experian are purposely reporting inaccurate balances on my accounts in order to keep dropping my score these three companies have been doing this to me for sometime I have contacted XXXX XXXX news and they are following my contact with you into this matter as I am XXXX XXXX and a single mother and its time these fraudulent companies be made to treat people fairly here is a list of all the account balances that need to be updated

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 non-monetary relief
Consumer complaint received 2017-11-30
Company: SLM CORPORATION
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I AM A RECENT GRADUATE OF XXXX XXXX UNIVERSITY. I GRADUATED IN XX/XX/XXXX WITH A XXXX XXXX XXXX IN XXXX. I AM MAKING A COMPLAINT AS OF TODAY XX/XX/XXXX BECAUSE IT IS ALMOST IMPOSSIBLE TO PAY BACK. I AM CURRENTLY LOOKING FOR A JOB IN MY CAREER FIELD THAT WILL PAY ENOUGH TO START MAKING PAYMENTS OR AT LEAST GET THEM OUT OF DEFAULT. MY MOTHER AND GRANDMOTHER HAVE FEDERAL LOANS IN THEIR NAMES ON MY BEHALF AND NEITHER ONE OF US ARE ABLE TO PAY THE LOANS BACK. DUE TO UNFORESEEN CIRCUMSTANCES IN REGARDS TO FAMILY AND FINANCIAL HARDSHIPS IT HAS BEEN A BURDEN RATHER THAN A BLESSING. I CAN NOT BEGAN TO HAVE A SUSTAINED LIFE WITH ALL OF THE DEBT FROM SCHOOL AND IT IS STILL BEING ACCRUED. IS THERE A WAY THAT SOMETHING CAN BE DONE TO ELIMINATE ALL OF THESE LOANS CONSIDERING WHAT OUR JOB OCCUPATIONS ARE OR IF SOMETHING CAN BE REARRANGED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: DISCOVER BANK
State: CO
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 Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately DISCOVER BANK XX/XX/2013 Balance : {$3000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The TransUnion website is designed in a way that leads individuals attempting to dispute and/or validate information on their respective reports, to an " ORDER NOW! '' page for " TransUnion Credit Monitoring ''. 

This directly inhibits an individual 's right " to dispute incomplete or inaccurate information '' provided under the Fair Credit Reporting Act. 

Notably, " TransUnion Credit Monitoring '' is a subscription service ... So any desperate consumers opting to sign up for " TransUnion Credit Monitoring '' just to be able to dispute information ; are at risk of being blindsided by TransUnion at a later date by the associated costs. 

I have attached a number of screenshots of the TransUnion website. Note that any red in the images was added for notational purposes, and was not on the actual webpage ( s ). They should be viewed in the following order - which has also been indicated in the file names : 1 ) XXXX 2 )  XXXX 3 )  XXXX 4 ) XXXX The FIRST image ( XXXX ) is of the " Dashboard '' /landing page of the TransUnion website upon logging into a TransUnion account. Note that the " TransUnion Credit Monitoring '' advertisement is also displayed on this page. 

The SECOND image is the page reached when clicking on " Dispute Center '' ( as indicated with the red arrow in the FIRST image ). 

The THIRD image is the page reached when clicking on " START A DISPUTE '' ( as indicated with the red arrow in the SECOND image ). 

The FOURTH/FINAL image is the page reached when clicking on the " refresh your TU report '' link ( as indicated with the red arrow in the THIRD image - also note the red underlined text ; this page explicitly tells the user to follow the link before starting a dispute ). The " TransUnion Credit Monitoring '' advertisement seen here is visually the same as the one in the FIRST image ; but is displayed from a different page of the website ( " Credit Report '' as opposed to " Dashboard '' ).

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 2020-05-07
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 get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

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 2022-11-10
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report.

In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: JPMORGAN CHASE & CO.
State: UT
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:
The company unfairly changed the terms of my credit card during the COVID pandemic. I have been making perfect on-time payments and have been a long time customer of Chase. I have a XXXX XXXX in the XXXX. I received a notice that the terms of my credit card was changed and it involved an increase in penalty APR ( i.e. for late payments ). I feel this is price gouging during the COVID pandemic when many people are financially strained. Shame on Chase for attempting to price gouge! According to the call center supervisor and email, I have the right to reject these changes. However, rejecting these changes will force me to close the account which is not an option with a current balance. I am not happy with this change and I am speaking up on behalf of myself and other people who are subjected to these unfair terms and price gouging. The change of terms for my credit card was received on XX/XX/2021 by email. 

I feel the timing of the change in credit card terms that involve increase fees is inappropriate and unethical considering the current COVID pandemic. I feel this is price gauging. 

I filed a XXXX  complaint but Chase responded that it has the right to change the terms. I was not happy with this response as it felt like price gauging with disregard to the COVID pandemic. I notified Chase that I will proceed with a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reportin a lot of innacurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to Transunion and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely innacurate they are in violation of my rights. 

Account type is reporting as joint for transunion and individual for experian. transunion is reporting a monthly payment of {$260.00} and XXXX is reporting {$0.00}. Transunion is reporting the date opened as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Transunion is reporting the last reported date as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. transunion is reporting date last active as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. As you can see this is agains the law and is hurting my ability to obtain credit

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 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
This complaint is being written due to the multiple violations I have experienced with the credit bureaus! There has been fraudulent activity on my reports that they neglect to remove! I have called in and sent letters and have not gotten any responses! The information on my credit report is not 100 % accurate. Multiple clear violations which are purposely being ignored totally violating all the rights. This is not okay in any way and my research lead me here. I am hoping with this complaint I can actually finally makes some progress in removing this fraudulent activity off of my credit report! 

I appreciate all your help in this matter!

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 2018-06-11
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I figured I fixed the problem, I got this loan in 2014, and Im getting text message from a attorney XXXX XXXX stating that if I dont pay this loan back I will be arrested or go to court if I didnt pay {$1300.00} or go to court and pay {$17000.00}. But here is catch I can pay them an settlement of {$890.00}, now this text message I received was XX/XX/2018 at XXXX. I have to contact this lawyer at this number ( XXXX ) XXXX, but the text message came from ( XXXX ) XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called XXXX XXXX and settleted my debt of {$250.00} on XX/XX/2018. I have payed this off and it still show on my credit report in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: TX
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 acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is Experian and XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on Experian and XXXX date of last payment is not correct on Experian credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my certified stamp when I sent letter to Experian and XXXX. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX

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 2019-04-14
Company: CORELOGIC INC
State: GA
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 have 2 big charges that became open on my credit card. I want to remove because I have no knowledge of them. Nor is the info right on 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
Consumer complaint received 2019-04-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reportin a lot of innacurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and Experian but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely innacurate they are in violation of my rights. 

Account type is reporting as joint for XXXX and individual for experian. XXXX is reporting a monthly payment of {$260.00} and experian is reporting {$0.00}. XXXX is reporting the date opened as XXXX and experian is reporting XXXX   XXXX is reporting the last reported date as XX/XX/XXXX and experian is reporting XX/XX/XXXX. XXXX  is reporting date last active as XX/XX/XXXX and experian is reporting XX/XX/XXXX. As you can see this is agains the law and is hurting my ability to obtain credit

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 non-monetary relief
Consumer complaint received 2018-04-25
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I mail Lexis Nexis a certified letter on XX/XX/2018 and it has been 30 days and no respond for the information that I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am very behind in my payments to my mortgage holder, Ditech Financial. Three weeks ago I spoke to my Account Representative who said she was sending me a  modification package. She added that I could always reach her by using her extension. I called the next day, and she no longer works in that capacity. Now I have a new Rep who, after calling and asking to speak to him, does n't return calls. And I have not received the modification package, though I 've called several times to demand it. Ditech sent me a Notice of Default and Intent to Accelerate on XXXX, and I believe they 're stalling so they can foreclose on my. I have gone to friends for a loan to cover the huge arrears ( {$33000.00} ) and I 'll have it by the end of XXXX. Ditech in any case would love to declare a foreclosure because then their lawyers, with the push of a button, charge several XXXX dollars to the paperwork, which is all boilerplate. Please help. I 'm attached everything I think you would need to approach them for a dispensation on the foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation