BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-19
Company: JPMORGAN CHASE & CO.
State: FL
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:
This account is fraudulent and not my account. The police were notified back in 2018 and JPMCB is reporting negative and adverse information to XXXX XXXX, XXXX, and XXXX for an account that was not mine. JPMCB finally discharged the fraudulent account yet still reports adverse information and is destroying my credit for a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021 Franklin Collection Agency of XXXX, XXXX reported to XXXX and XXXX credit bureaus that there was a balance of {$630.00} owed to them. Original creditor purported to be XXXX XXXX XXXX. I called their number ( XXXX ) XXXX appearing on website and was unable to speak with a representative due to their automated system. I left my information on their system following all prompts and instructions. This was done two weeks ago. The message said they would have a representative reach out to me but they have not contacted me in any way. I do not have an account with XXXX and have not had any services from XXXX for approximately 5 years. I have not been contacted by XXXX and have not been contacted by Franklin Collection Agency although they continue to report that I have a past due balance to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Alliant Capital Management LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called XXXX XXXX to let him know that I had Called the another Debt collector and figured out how my account had come to his office in the 1st place and resolve the issue with them and the account holder should be contacting him soon to resolve the issue he then got very short and angry and started yelling and being very nasty And threatening that they amount would go up and then hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There are two collection on my XXXX credit report that AR Resources claims as not paid. XXXX XXXX XXXX was the primary creditor that reported to collections two XXXX each charges to collection on XX/XX/XXXX under account number XXXX. AR Resources held both accounts at that time and still claim these services are not paid as of XXXX XXXX XXXX. 
Both accounts where paid in full on XXXX XXXX XXXX through XXXX Credit Card payments on file in there system. Those co-payment charges where for office visits on XXXX XXXX XXXX and XXXX XXXX XXXX in the amount of {$25.00} each visit and additional fee 's of {$7.00} each. 
XXXX XXXX XXXX will confirm both AR Resource collection where paid to there office and can be contacted at ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX XXXX XXXX XXXX C/O two accounts under XXXX dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Capitol one has XXXX hard inquiries that hard inquiries that have reported to my credit report and I have never applied for anything with capitol one. The dates are on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: SLM CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
SALLIE MAE BANK closed my money market account unilaterally, which they are permitted by contract and I have no problem with that. SALLIE is unethical, breaks the law and has terrible customer service so I wanted the account closed anyway. The complaint is SALLIE transmitted the balance via ACH EFT to another account despite specific written instructions [ attached message dated XXXX at XXXX ] NOT to do so but to instead mail me a check for which I offered to pay. Thus SALLIE made an illegal transaction, deliberately and willfully violating written customer instructions. In doing so, SALLIE violated the law 12 CFR Part 1005 ( Regulation E ) ELECTRONICS FUNDS TRANSFER ACT. Please take action against SALLIE for violating law and fine them. This NOT a duplicate of a separate complaint I made earlier CFPB XXXX which was for an incorrectly coded transfer by SALLIE to XXXX XXXX  and is entirely different from this issue so do NOT close this new complaint as a DUPLICATE though the earlier complaint led to my {$98000.00} being lost and SALLIE did nothing to help or resolve the situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Army and Air Force Exchange Service
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I first sent a certified letter to Aafes on XXXX XXXX, XXXX and I received no response. The second letter was sent on XXXX XXXX, XXXX which instructed me to contact XXXX because they owed the debt. I have requested validation of the debt and have yet to receive any document that the debt is mine. I contacted XXXX in XXXX XXXX and advised them that the debt was not mine. The letter I sent included the following : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay you.

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 2021-06-10
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
lost job due to covid, requested a deferment or forbearance instead they gave me a payment plan, i followed the payment plan and started working so i started paying the exact monthly payment more than the payment plan, credit acceptance in return flagged my credit for being behind, i thought they would be happy.. XXXX practices

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 2019-06-26
Company: EQUIFAX, INC.
State: TX
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:
No one can pull my Equifax report. No freezes or fraud alerts. Tried resolving with Equifax to no avail. I cant even pull a report on their own website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: WV
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:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Hard inquiries on my report that i did Not authorize at all! 

Transunion - XXXX XXXX, XXXX bank & XXXX Credit - XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX, XX/XX/2021 XXXX XXXX XXXX XXXX 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 2022-03-08
Company: EQUIFAX, INC.
State: MD
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:
I sent in multiple letters ( give a date that is back dated about XXXX days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-UnfaiXXXX practices Under 15 U.S code XXXX civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Block, Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Cash APP and XXXX XXXX XXXX  are allowing individuals use their apps for fraud. I run a XXXX practice and have received weekly emails pretending to be a therapist in my practice wanting their bank information to be changed to a fraud account. Today go one again, either from XXXX XXXX which uses cash app or XXXX XXXX in attempts to send funds. see actual account and routing numbers as recent as today.

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: 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 have written to XXXX XXXX/Rooms to go on a minimum of three occasions requesting proof that this account is mine. I have no recollection of opening an account with them and certainly did not fail to pay any amounts owed. 

They have not sent me a copy of the written agreement which supposedly I signed nor have they provided me with a pay history from the beginning of the alleged account opening. 

This charge off is harming my credit profile and score.

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 2022-07-05
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I signed a mortgage note and gave it to XXXX XXXX XXXX XXXX ( XXXX ). XXXX went out of business by XX/XX/XXXX and did not assign a note to any entity. Then XXXX XXXX XXXX XXXX claimed that it was the servicer of my loan and XXXX XXXX was the owner of my mortgage without proof. In XXXX of XXXX the loan went into default. On XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX ( MERS ) assigned the note and mortgage to XXXX with having a power of attorney, On XX/XX/XXXX Chase created the Affidavit of Lost note, On XX/XX/XXXX Chase assigned the note and mortgage to Bayview Loan Servicing LLC ( Bayview ). On XX/XX/XXXX Bayview filed for foreclosure with the assignment of XX/XX/XXXX, the Affidavit of Lost Note of XX/XX/XXXX, and the Assignment of XX/XX/XXXX. On XX/XX/XXXX Bayview transferred the mortgage to XXXX XXXX ( XXXX ). Now XXXX claims that XXXX XXXX is the owner of my mortgage which negates XXXX, XXXX, and XXXX 's claims about the assignment of XX/XX/XXXX, the affidavit of lost note of XX/XX/XXXX, and the assignment of XX/XX/XXXX. Sometime in XXXX Bayview fabricated a HAM Agreement of XXXX in which a notary public forged my signature. I am trying to get to the bottom of this chain of fraud and figure out who owns my mortgage with proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I sent a letter ( ATTACHED ) XX/XX/XXXX, that they received on XX/XX/XXXX ( ATTACHED DELIVERY RECEIPT ) to Capital One Auto Finance after my car was repossessed in around XX/XX/XXXX asking for proof that the repossession of the subject vehicle was legal in accordance with the following UCC : XXXX. EFFECT OF ERRORS OR OMISSIONS. 
XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I had personal belongings such as a mechanical tools left in the back seat that were costly. I never got a call or letter regarding my belongs, as by law I am entitled too. They have not responded back to my request and it's been over 30 days. My personal belongings are gone. I do know the law and this is sad how creditors take advantage of consumers at such a time as this. They are very committed to continuing reporting on my credit reports while breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Regional Management Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A collection agent from Regional Finance has been repeatedly and frequently calling and texting my phone attempting to collect on an alleged debt. They are also calling and harassing my sister about this debt and that's has been very embarrassing to me and my sister has told everyone in our family that I don't pay my bills and my debt collectors are harassing her. This is a serious invasion of my right to privacy and has been really stressful to me and causing me to have anxiety attacks. I am a XXXX XXXX XXXX XXXX woman with XXXX XXXX XXXX and regional finance has been violating Federal law FDCPA. I never gave them consent to contact me or my sister, they also sent me a letter stating I owed a debt along with other accusations. i have attached the threatening letter and date sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
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:
I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} US DEPT ED XXXX XXXX : {XXXX XXXX XXXX XXXX XXXX XXXX : XXXX US DEPT ED XXXX XXXX : {$2400.00} XXXX  XXXX Balance : {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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2017-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
Bank of America is a credit card servicer for the XXXX XXXX credit card. Bank of America advertises and promises zero liability for unauthorized charges, however it willingly fails to protect its clients from unscrupulous merchants who overcharge their clients accounts. Bank of America engages in deceptive marketing practices in promoting their credit card products. 

On XXXX/XXXX/XXXX an unscrupulous merchant overcharged our credit card {$480.00} after misleading us with the true cost of their services. 

We were promised and quoted by a XXXX XXXX XXXX XXXX representative on the phone for the rental car a total of {$30.00}. XXXX XXXX XXXX XXXX representative did make material representations as to the total car rental charges including taxes and fees on a recorded line. We returned the rental car in an excellent shape, no tolls, full gas, and no damage. However, the merchant single handedly decided to over charge us by {$450.00} quoting their " final audit '' policy. 

Bank of America, when contacted, failed to reverse the charge claiming their website is unable to accept audio files of a recorded conversation where merchant represented to us that the rental cost would be {$30.00} including all taxes and fees. 
And yet, the bank claims zero liability on their credit card marketing materials. Bank of America fails to protect their clients and purposely designs their site to hinder any such disputes or claims. 

It is our understanding that Bank of America cunningly engages in misleading marketing in promising zero liability. 

I am aware that in XXXX Bank of America was ordered to pay {$20.00} XXXX in civil money penalty to the CFPB and an additional {$720.00} XXXX In Consumer Relief for its Illegal Credit Card misstatements and promotions. http : //www.consumerfinance.gov/newsroom/cfpb-orders-bank-of-america-to-pay-727-million-in-consumer-relief-for-illegal-credit-card-practices/ I would like to kindly request that the CFPB carefully review the initial complaint, pool similar complaints about the misleading marketing practices and order the bank to pay the penalties and reliefs as appropriate.

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 2022-03-08
Company: JPMORGAN CHASE & CO.
State: IL
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:
On XX/XX/2022, I received a message from Chase Fraud alert that someone had put a {$1400.00} purchase on my credit card account. They messaged me at XXXX AM and I responded immediately also at XXXX AM that it was not me. They took the charge off and I went back to my normal life, not thinking anything of it. On XX/XX/XXXX, they re-billed me for the money saying that it was a valid transaction. They said that the company XXXX XXXX ) which someone had purchased a XXXX XXXX for the above amount, with my name, email address, phone number, and a fraudulent email, had purchased the item. I told him that it was not my email account, and I never have been to that XXXX XXXX in years. I even told them that I responded right away to the issue, and filed an appeal. They as of XX/XX/2022 still denied my appeal and claimed it was a valid transaction. I have filed a police report about it in the past week, Ive contacted the merchant, and Ive talked with Chase fraud, and I received no help, they provided me no phone call or email or message until the XXXX letting me know what to do or how to pursue. They failed to disclose that the individual made XXXX purchases apparently, even though the text I got indicated they had DENIED the transaction. They have put the burden of me trying to prove my own innocence on me, and despite their claims of preventing/resolving fraud, are making me pay the {$1400.00} on my own for a purchase I never made!

Company response to consumer: Closed with monetary relief