BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello CFPB, I am writing to file a complaint against JP Morgan chase. I opened a joint account with my husband on XX/XX/2022 where we deposited some cash and 4 checks totaling roughly XXXX. On XX/XX/2022, we received a letter claiming that our account was going to be closed soon. We went to a branch the next day, and no one was able to help us as they claimed this was with another department. We kept trying to reach chase customer service and were not able to reach anyone who can provide us with information. Finally, we learned that they were holding funds due to " suspicious activity. '' Eventually, we got a check for the cash amount, but as of today, I have not been able to get the rest of the money. Chase claimed they could not verify the checks. However, one of the checks is from Chase itself. Also, I am aware that they did cash the checks as they were given to us from family members and friends, who were able to see that the funds were taken from their accounts. I ended up going to another branch and lady helped me, but even she has had issues to get in contact with the department that handles the check verification. As of yesterday, she got 3 checks verified, and I should be getting the money in one of my account within 5 business days ( which is a bit much considering that they have been holding the funds for over a month ). During a conference call with the branch lead and the department that closed my account, we discussed the last check and I provided the phone number of the person that issued it. The chase representative said that it matched what she had on file, and that I should just be able to call the next day and ask them to verify it. Today, I called as they told me, but the agent I spoke with refused to call the number and mentioned it was unverified, which contradicted what the other representative said the previous day. It just feels like they are not doing a good faith effort to retrieve my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: Sequium Asset Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a credit report monitoring service through XXXX and noticed a collection item on my credit report with Sequium Assett for {$1500.00} from XX/XX/2021. I know they are pursing a debt for another company, possibly XXXX XXXX XXXX, but I have no idea what this is regarding. I do not have an account with XXXX XXXX XXXX. I already disputed through XXXX, contacted Sequium via email, and contacted the XXXX. If I had any outstanding amounts owed, would they not have sent me a bill/invoice/collection notice via mail. I have received nothing to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: TRANSWORLD SYSTEMS INC
State: MD
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:
THIS ACOUNT SHOWED UNDER MY XXXX AND XXXX CREDIT REPORTS. I HAD AND STILL HAVE MEDICAL INSURANCE. I NEVER RECEIVED A BILL AND IT WAS SENT TO COLLECTIONS. NEEDS TO BE REMOVED. THIS IS NOT MY DEBT. I TRIED CALLING THE COMPANY AND NO ANSWER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I lost the promotion points of 25,000 when I downgraded my card ending-XXXX in XXXX. 2021. I was charged the annual fee for this account twice within a year so I decide to downgrade my card to avoid the additional annual fee. When I downgraded the card to a non-fee card, the AMEX customer service did not tell me they would remove the proton points for downgrading. I believe I met all requirements for the promotion offer and AMEX should honor the offer and not remove the points from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Law Office of Brett M. Borland, P.C.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a past tenant at XXXXXXXX XXXX XXXX in XXXX CA ( XXXX ). This apartment complex reported {$20000.00} of debt to XXXX XXXX XXXX XXXX. When I contacted the apartment complex after I noticed a change on my credit report showing this debt, they had no information to give me besides to contact the creditor to file a dispute. I made contact with the creditor company on XX/XX/2021. I spoke to XXXX XXXX. I completed the dispute process over the phone with her ; I was told she was going to she was going to contact the apartment complex and that a 30 period for the apartments to respond would begin stating this day we spoke. XXXX stated she would forward me whatever documentation she obtained from the apartments regarding the debt. I never received any email from XXXX. I called XXXX back and spoke to her on XX/XX/2021 and left a voicemail. As of XX/XX/2021 I had not received an email or call back from the creditor. I then called again XX/XX/2021 I spoke to XXXX, she said she had gotten a copy of the charges filed by the apartments and that the dispute did not start until XX/XX/2021. XXXX had made it very clear when we first spoke the dispute would go into effect that day we filed it. When we spoke XX/XX/2021 XXXX stated she would email me a copy of all documentation that she has obtained and I have not received any of this information whatsoever. 

The 30 day window that began XX/XX/2021 or XXXX/XX/XX/XXXX have past and I have yet to receive a single document or email from the creditor dispute my multiple attempts to proceed with the dispute. 

Lastly, I want to add XX/XX/2021 when I spoke to the XXXX XXXX  ; I spoke to Mr. XXXX and the manager. I was told I would be emailed a copy of all changes and those were never sent to me either. The apartment complex stated they do have my file on hand and that it is in a storage unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 tried multiple times to get my named removed from a Bank of America account that my ex spouse and I had together prior to divorcing almost two years ago. It is a line of credit account number XXXX. I have our executed settlement agreement that states that I am not longer responsible for the account. My ex spouse has let the account go 90 days past due and it is being reported on my credit. This is a causing me a great deal of financial stress. 

Page 11 article 8 of the attached document identifies who is responsible for this debt.

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 2022-11-23
Company: Experian Information Solutions Inc.
State: FL
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:
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 # XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX  # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX US Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX XXXX XXXX # XXXX, XXXX Funding # XXXX, XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-10-20
Company: Experian Information Solutions Inc.
State: CA
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:
In XX/XX/2019was having some personal problems so I called XXXX XXXX and set up my credit card on a payment plan. Everything has been on automatic payments and no payments have been missed. I have the bank statements and proof of payment that can be provided. The reported to the credit bureaus that I wasn't making my payments and the card was charged off yet they continued to take my monthly payments. Working two jobs the last two years I saved up enough money and paid the remaining balance of the card off in full. A month ago they updated my credit reports stating this is now a collection and charge off and I was not paying as agreed. This was incorrect. All payments where made on time per the written agreement I was sent. This has now ruined my credit and I need to get this fixed. I called and no one will help me. My next step is to get an attorney involved.

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 2022-03-08
Company: EQUIFAX, INC.
State: NH
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:
On XX/XX/22 I paid XXXX XXXX  {$470.00} as a settlement for XXXX. This meant the debt was paid in full and could not report as past due or with a balance anymore. I have disputed with XXXX and Equifax to have them remove this account due to violating my right to an accurate credit report. They continue to report it with a past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Discovered that XXXX does not report late payment greater than 30 days and that they only report greater than 90 days. On XX/XX/XXXX, according to agent XXXX XXXX with agent number of XXXX, he stated that my loans went out of deferment and the first loan payment was due XX/XX/XXXX, over 6 months later. Credit reporting agencies show that the loan was reported as " ok '' from XX/XX/XXXX thru XX/XX/XXXX. According to their records, they did not start reporting late until XX/XX/XXXX. I was not notified of loan coming out of deferrement status and in turn the loan has late payments from XX/XX/XXXX thru XX/XX/XXXX due to the false reporting of XXXX. They reported my loan as " ok '' from XX/XX/XXXX thru XX/XX/XXXX, when it was in reality in default. The loan has since been sold to XXXX and they are refusing to edit their false reporting of payments to all three credit bureaus. I have also included a deferment approval letter stating that my loan payments were never due. XXXX never communicated with me to notify me of loan payments being due.

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 2017-11-06
Company: Nelnet, 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:
I have several student loans with Nelnet per my account : XXXX that have always been in good standing. In 2016 I relocated and Nelnet did not forward my information to my new location. This resulted in my loans becoming delinquent due to clerical error. When I contact Nelnet to remedy I was explicitly advised verbatim by a Nelnet representative that if I opted in to a forbearance of my loans they would not be reported as delinquent to the bureaus, but the drawback to doing this would be that the accrued interest would be amortized as principal on the loan. I agreed to these terms and the forbearance. Instead of this occurring my loans were still reported as delinquent AND the interest accrued was amortized into principal. I was explicitly lied to and coerced into a forbearance when I simply would have brought the loans current if I was n't erroneously informed credit reporting would not be affected. I have contacted Nelnet over a dozen times by telephone, e-mail, secure messages through their online portal, and written letter requesting that they either update my loans to reflect current as the former representative told me they would be, or to undo the amortization of interest into principal. At this time, and nearly a year 's worth of correspondence they have declined to do either. I feel reporting this to the CFPB is the last step I can take in good faith before being forced to pursue litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: CarMax, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am sending this complaint because I am very concerned. There is a 60 days late remark reported on my account on XX/XX/XXXX. I want to explain what really happened. There was a third-party company that committed a big mistake. I want to emphasize that I had more than enough funds to make the payment. 

I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter. When I realized that the payment was not completed, I immediately made the payment and now I have a perfect record of on time payments. 

What really happened : This company mistakenly debited my XXXX XXXX account twice for my XXXX Mortgage account on XX/XX/XXXX for two payments of {$820.00} and the Carmax payment of {$590.00}. In total, they were supposed to pay {$1400.00}. This was the reason why my Carmax payment was not completed. I had to contact XXXX directly to get the payments reversed! 

I am requesting an adjustment of this late remark and get it corrected or reported as no data. This situation is killing my credit score and I am not able to get a home. This was a situation that I could not control. 

I have never been late on my account. I hope I can get a positive response from your company. 

Account information : Account name : Carmax Auto Finance Account number : XXXX Date Open : XXXX XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of america closed my account for whatever reason and they didnt send a letter informing that they was closing the account for whatever reason. i never misssed a payment i want my account reopened

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 2017-11-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had a Lowe 's ( XXXX XXXX ) Store credit card for over two years. Never been late, always paid on time or paid my whole balance off, etc. I always had a credit limit of {$2400.00}. All of a sudden on XXXX XXXX, XXXX, they lowered my credit limit to {$100.00} and reported me " late '' to the credit bureaus. I was not late. I made a return that canceled out the balance due on my card. Lowe 's charged me {$1.00} interest for that month, but I did n't know it. I never got a statement for XXXX. It was during Hurricane Irma. I live in XXXX florida. Mail was lost, we were without power for 2 weeks. No internet, etc. So it is understandable that the bill got lost. However, I figured that I did n't have anything due because of my return. I never received a statement for XXXX XXXX either, but I am applying for a mortgage and the lender told me Lowe 's had flagged my account for 30-60 days past due! I logged into their website and they charged me a {$25.00} late fee for not paying the {$1.00} interest on a ZERO balance and then they decreased my credit limit by {$2300.00}. Abolutely UNACCEPTABLE. Now I can not get my mortgage until this is cleared up. I called and did online chat with two different people today. The last representative told me that it was Lowe 's error, they were removing one of the late fees and he was sorry but that is their policy to charge {$1.00} a month even if you have a zero balance currently if you had anything on the card at all during the month. Is that even legal? Can you charge someone {$1.00} interest on zero dollars???!! All of this After I received an email from Synchrony stating that no late fees would be charged to victims of Hurricane Irma because they " care about their customers. '' I figured I did n't need it because I did n't carry a balance over. Guess I was wrong because they charged me a {$25.00} late fee for their {$1.00} in interest on a {$0.00} balance. What a load of 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 monetary relief
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX XX/XX/2021 SSN : XXXX To whom it may concern, Im writing this letter to dispute the following accounts : XXXX XXXX XXXX This company is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity XXXX XXXX. ) Violations of 15 U.S.C 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
We decided to buy a fridge from XXXX 's and applied for a credit card. Got approved, purchased the fridge and the third party delivering the item did not want to deliver it in the house, for some reason. So, we told them to return it back to the store, which they did and we thought that was the end of our calamities with XXXX. The card was never charged and we never even received it, but soon I got an email that we owe the card company ( Synchrony-Lowes ) {$5.00} for something. We never received the statement so we did not know what the charge is for. A few weeks later we received another email that we now owe them {$12.00} which includes now a late fee and they reported it to the credit agency. Needled to say, our credit score went down. 
To add, I tried to pay XXXX XXXX bucks, just to avoid the headache, but I could not because we do not have a card and I stayed on the phone for hours. This is a legit scam and we got ripped from Lowes, from Synchrony, and got reported to XXXX. 
I hope you can do something about this. If you need more info, we will gladly send you the emails, because somebody needs to stip those guys

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 2019-08-06
Company: AMERICAN HONDA FINANCE CORP
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: Their investigation did not fix an error on your report

Complaint:
An auto loan with American Honda Finance went into charge off in 2013 after a medical emergency which left me unable to work for 6 months. Back in 2013 I spoke to the American Honda Financial Services representative, I got a verbal agreement over the phone stating the charge off would be removed and that he would take care of the credit reporting once the car was paid. I paid the car off in full. I received Paid in Full Letters and a lien clearance letter from American Honda Financial Services. The charge off 's were never removed from my credit report. Fast forward seven years later. I have disputed these items multiple times. The only credit reporting agency which refuses to remove it is XXXX. I have called over 15 times in the last 2 months. They tell me a different story every time. The representative keeps stating that there is nothing that they can do without  authorization. I provide them the authorization letter ( Lien Clearance ) from American Honda Finance and they tell me I have to continue to dispute it until it is removed. It has been years of back and forth. The information on my credit report is inaccurate and what XXXX is doing is illegal. I provide them all the information that they request and they refuse to remove it. I recently redisputed the same negative item and Myfico score went down. American Honda Finance updated the information that caused my score to go down. XXXX  is the worst of the three credit bureau. In my experience, XXXX will side with the lender even if the information is incorrect.

Company response to consumer: Closed with explanation