BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-26
Company: EQUIFAX, 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had my account illegally closed without notice in XXXX, I have emailed in excess of 600 times not hyperbole, XXXX XXXX in agreement with the OCC stated they would send me my account balance and now there are refusing to provide tracking information or mail a check after they stated they would in effect lying to the OCC to close an investagation in there favor. I will attach said email

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: EQUIFAX, INC.
State: MO
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:
Equifax and XXXX  deleted Information and put it back on my Credit Report. I filed a complaint with you all back in XXXX regarding the same thing. XXXX Im filing another one and hope that this can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was approved for my Chase Credit card on XX/XX/XXXX and according to Chase 's terms and conditions the billing cycle of which the date the month ends matches the number of days in the month to ensure the due date is the same every month. So it's either XXXX or XXXX ( unless it's XXXX then it's XXXX or XXXX ). My first statement was closed on XX/XX/XXXX, of which only gave my first billing month 26 days, instead of 28 days ( or XX/XX/XXXX ). Other cards that I have opened with Chase have closed according to the normal Chase terms of the number of days in the month. I spoke to Chase on XXXX occasions first being XX/XX/XXXX and after speaking to them and then put on hold to speak to a supervisor they claimed they had issues and it disconnected my call. I called back immediately but after talking with a customer service representative they said I would have to wait in the que again for another 15+ minutes to talk to a supervisor. I asked to leave a message to have them call me back the following day but they said that wasn't possible, I hung up because I wasn't able to hold for a supervisor. I called back on XX/XX/XXXX again spoke to a representative and then was put on hold to speak to a supervisor, and after 10 minutes or so I spoke to a supervisor. They understood my complaint and said it would have to be resolved with the " back office. '' The supervisor said they would contact me but still haven't, when I asked about a phone number to contact the " back-office '' they said they don't have one and they can't be contacted. This last supervisor said they did notice my length of my first statement was only 26 days but wasn't sure why as it should have been 28 days since it was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attachment documents and ID.

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 2017-10-30
Company: Paris and Paris, LLP
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Case # XXXX We are doing a short sale on this property, to which the attorney, Paris and Paris LLP, has attached a judgement on behalf of their client, XXXX. We have called the attorneys office every day for almost 2 weeks with no response whatsoever. We have left no less than nine voicemails, each with our phone number, and have received no callback. 

Is there any way you can have them call us back? We are just trying to have someone at their office reach out to us so we can move forward with the short sale. 

The attorneys contact information is listed as : XXXX XXXX XXXX XXXX XXXX Paris and Paris LLP XXXX XXXX XXXX XXXX XXXX CA XXXX Ph # XXXX Attached is our authorization to speak to the attorney on behalf of the homeowner, and a copy of the judgement. Thank you so much for your time.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-30
Company: JPMORGAN CHASE & CO.
State: CA
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:
I called Chase Bank concerning the annual fee for my credit card at the end of XXXX. The customer representative said that my fee could not be waived but told me that I would have up to 90 days to close the account if I did not want to keep the card. When I called in on XXXX XXXX to cancel the card and get my annual fee refunded, they said that they were unable to refund the fee. When I told them that the representative said I had 90 days to close the account and get my fee refunded, they were unconcerned and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the 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.

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 2019-04-06
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: LJ Ross Associates
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received two scam likely calls from XXXX. I received a third call today from a XXXX asking to speak with me. I responded with this is he and she asked to verify personal and sensitive information. I asked what this was in reference to and could I have the name of the creditor and she began to berate me, yell, and then hung up. I called back and the phone line says they are closed. 

I cant figure out what debt, if any, that I owe. I need help desperately. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Simple Bank corp merged with BBVA and they said our accounts would be trasnfered over the weekend. I followed all their instructions to use their online service and have access to my account but they locked my account and have no access to my funds or can deposit my check. Their phone lines are not working and I can not get in touch with anyone. I am not the only one, there are tons of people on XXXX XXXX that are in the same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Love, Beal & Nixon, P.C.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Company Love, Beal, and Nixon, made a false statement that I had been properly notified about a court action regarding a debt they claimed I owed. ( It stemmed from XXXX XXXX for my granddaughter, XXXX XXXX ; they claimed that I co-signed. I did not ) They said I had been properly served. I had not been. Since I had not been notified, I did not appear in my own defense, so they won a judgment XXXX XXXX XXXX ) and placed a lien on my property without my knowledge. They did not notify me in any manner. I did not find out about it until I applied for a property loan in XXXX of XXXX. Love, Beal, and Nixon is the company who won the judgement against me, stated that I had been lawfully served, and filed a lien on my property. Part of the troublesome path I have been through is that three companies stall and waste time by blaming the other. All three are involved. I first filed this complaint against XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX because they were the ones who finally notified me that I was being help liable for anything. I named them because your question asks who notified me of this debt. I got a lawyer in XXXX of XXXX, who won for me, Order Vacating, Voiding, and Holding for Naught Judgement Lien that has been filed with Registrar of Deeds. Also a judgement for lawyers fees. The court minutes awarding lawyer 's fees in the amount f {$1900.00} and signed by XXXX XXXX, is against XXXX XXXX XXXX , XXXX with XXXX attorneys named, Love, Beal, and Nixon, and XXXX, XXXX, XXXX, XXXX, & XXXX. I can not afford to pursue collection. Now a lawyer tells me there is a two/three year statute of limitations to sue them. And I ca n't collect the judgement because the cost is prohibitive. Love, Beal and Nixon won in court without proper serving. ( They said I had been served by leaving information with my granddaughter, XXXX XXXX, at her house in which I had never lived. ) Love, Beal and Nixon filed a lien for {$7100.00}. I was never notified. Love, Beal, and Nixon ( or XXXX XXXX XXXX for whom they acted ) owes me {$1900.00} as awarded by XXXX County judge, XXXX XXXX. I have suffered other financial damage because of being denied a loan from my bank. I have suffered other damage because of the time and stress in tying to deal with this series of events. I have documentation for all these activities, but I do not know how to attach them. It is all on hard copy because my computer blew last fall and this electronic file went with it! The company has received all the material either from me or from my lawyer. I have 43 pages of documentation, if the company wants to see any of it, I can mail hard copies to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have been a customer of Coinbase for 5+ years now. As of XX/XX/XXXX, I had full access to my account with no issues. A few days later go by, and somehow I am locked out of my account, not allowing me back in. I then tried many times to reset password but the system does not provide the email verification to reset the password. At this point I have lost full access to my account and control of my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-30
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received this loan from Nelnet for {$5000.00} while at XXXX  XXXX University. 
I have started to make payments and I was told that I can not pay with my debit card online, I have to make a phone call and speak with a live person. 
And so I did, I paid {$250.00} with my XXXX debit card and I was told it would pay my {$170.00} pmt and the rest was going to principal. 

The month after I tried to pay the same way and they told me I could pay with my checking account but I could n't pay with my debit card because my bill was not due yet. 

So I waited till the following month and I wanted to pay {$250.00} like I did before and I was told I could only pay {$170.00} with the debit card but not {$250.00}, to pay the rest I had to give out my bank account information. 

I need to know how I can make a payment with my debit card to nelnet for {$250.00} per month. 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I have disputed the balance of this account for years and I do not believe it has been properly investigated by Capital One. The trade-line has been removed from my XXXX and XXXX credit reports but remains on my XXXX report. I want Capital One to remove its final tradeline for the charged-off Capital One Account ending in XXXX. If not I demand that Capital One send me all of the statements from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I monitor my credit carefully and discovered a fraudulent collection on my credit report. When I tried to use the Transunion website, it wouldn't take my credentials, so I couldn't log onto my existing account. When I called the customer service number provided, the rep told me I needed to re-register a new account. So I created a new user name and passowrd, but was locked out of the website after trying to log in again. 

When I called Transunion a second time, they asked me to use a different device and web browser. I told them I didn't have a different device, but I would use XXXX  browser. They unlocked my account, then we spent 30 minutes while I tried to use my new username, and had to change my password ( with 2-step authentication via email ) several times. While on the phone with the rep, I was locked out of my account and she had to reset it twice. Eventaully she said I need to make another account from scratch. 

When I made a third account, I navigated to the " Dispute '' page, where I found no button or link available to file a dispute. The three clickable links on the " Dispute '' page link to various FAQ pages, or attach a general statement to their report. No ability to select specific inaccurate reports to dispute is available. 

Transunion 's unacceptably convoluted and lengthy login process aside, my complaint is that consumers are not able to submit disputes to their credit report, dispite Transunion 's assertion on their dispute page. 

The complain I am filing is that Transunion is fraudulently misrepresenting the consumer 's ability to dispute reports on the Transunion website. This charge can be verified within seconds by anyone with a Transunion account : https : //service.transunion.com/dss/dispute.page?

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 2017-10-31
Company: I.C. System, Inc.
State: TX
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:
IC System had an open collection for XXXX XXXX XXXX for {$400.00}. They were sending notices to my old address and calling an incorrect phone number. As soon as I saw it on XXXX XXXX and XXXX XXXX I contacted them to resolve the issue. I paid the balance of {$400.00} and they sent me a letter stating that the balance is paid in full and will be deleted from my credit report but it is still on 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 2017-10-31
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Professional Adjustments is representing XXXX XXXX in collection of a doctor 's bill. They will not cooperate in correcting this error. They reported that a bill for {$320.00} is owed. It appears on my credit report and is very damaging. I do not owe the bill and when I called them they said they did not place it in collection, although it is their name, address and phone number referenced on the report. Their rude, ignorant attitude is unbelievable because they will do nothing to correct the situation XXXX call credit bureau ). It is causing havoc in my life as I am buying a new house and will cause a higher rate if not corrected. The physicians who use them should realize the horrendous customer service they provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions 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:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Experian Bureau for them to verified and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports :XX/XX/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 2022-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I started a new job on XX/XX/2022. I have elected direct deposit to my Bank of America checking account, however the first payroll amount was issued as a paper check. I made a mobile deposit of the check on XX/XX/2022. 

Initially, Bank of America placed a hold on the check until XX/XX/2022. This was inconvenient but was understandable as the amount of the check was {$2500.00}. 

Today, I checked my account and found that Bank of America has now placed a hold on the funds until XX/XX/2022. I made contact with Bank of America via telephone. The representative, XXXX, was unable to provide an explanation for the delay in processing the deposit. I was transferred to a supervisor, XXXX, who indicated that the extended hold time was due to " risk factors '' regarding the deposit. She declined to provide an explanation of the risk factors involved in the decision to hold the funds for an additional period of time. 

I explained that the check is issued by a national payroll processing company, XXXX, and further stated that I have not ever deposited a check which was returned to the bank unpaid. She continued to state that the check is on an extended hold because the amount exceeds the balance of my account. She advised me that the procedure is for " my protection '' to avoid overdraft fees in the event the check was returned unpaid. This excuse does not make sense as I will incur various late fees resulting from the delay in processing the deposit, and as such I will be unable to make timely payment of my bills which are due before the funds will be available on XX/XX/2022. She declined to provide any further assistance regarding the availability of the deposited funds. 

I am aware that such transactions are now electronically cleared and the extended hold time is not warranted or necessary in today 's banking environment. It is my belief that Bank of America has acted in a discriminatory manner based on the amount of funds currently in my account. How can I possibly increase the amount of available funds if Bank of America will not make my payroll check funds available?

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 2017-10-31
Company: National Enterprise Systems, Inc.
State: RI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've received multiple calls and faxes to my place of work from National Enterprise Systems ( XXXX XXXX ). The calls are regarding outstanding debt ( student loan ) from XXXX. I 've called multiple times to confirm that they ( NES ) have the wrong person, yet they persist on  calling/faxing my place of work. I also contacted XXXX to confirm that I do not have any outstanding loans through them, and they confirmed I did not.

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