BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: JPMORGAN CHASE & CO.
State: TX
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:
I have been a Chase customer since XXXX. They are my major depositing bank for my personal account and business accounts. I have XXXX personal credit cards and a business card with them. As many, I got laid off just before the pandemic and decided to open up a business in XXXX however the next year the world shut.. So we used are credit cards to survive. Business is getting up to speed and growing. Throughout the whole pandemic, I have struggled with some of my creditors HOWEVER has ALWAYS paid Chase due to my longstanding relationship with them ( sometimes at the detriment of paying others )! 


Today, XX/XX/XXXX I was reviewing my personal Chase accounts and notice that my XXXX XXXX XXXX ending in XXXX has {$0.00} available credit ( which I deemed odd since I recently saw it has credit available and I had just also made a payment on XX/XX/XXXX and was Current! ) Then I notice the same with my XXXX card ending in XXXX? 

I called Chase credit card customer service and was transferred to a XXXX at XXXX XXXX  @ XXXX XXXX on XX/XX/XXXX. XXXX reviewed my account and said that due to the high balances on my cards and some negative items on my recent credit, Chase is shutting down my XXXX cards. I explained that despite the financial struggles, despite the pandemic, I have " Continued to make my payments on time and was late of recent but made my payment to catch up within less than 30 days.. This was due to my XXXX XXXX relationship with Chase ''. He said it didn't matter and provided me with an non-sensical example of " if I lent you {$500.00}, I should expect to get paid the {$500.00} in a reasonable amount of time '' to which I responded " no, because that's a loan which implies a fix timeframe, we're talking about Revolving Credit which doesn't have to be paid off and the bank make MORE MONEY if I don't ever pay it off ''! 

The bottom line is that I feel that by Chase taking this arbitrary act against me because " I owe and been behind with OTHER banks '' that has not only limited me on credit but WILL CAUSE A NEGATIVE CREDIT IMPACT THAT DIDN'T HAVE TO BE THERE SINCE I CONTINUOUSLY PAID THEM!!! 

I am requesting your assistance in requesting that Chase Reconsider this act and prevent them from putting a negative " Account Closed by Creditor '' on my credit report. 

If I were negligent in my responsibility to Chase then they can take action to shut my down and affect my credit.. but this act will put an unwarranted Blemish on my credit with a creditor that I am maintaining a good standing and have done nothing wrong but KEEP PAYING THEM HIGH INTEREST CHARGES! 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: UT
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:
Fair Collections & Outsourcing # XXXX is reporting a very old account to my credit report that needs to be removed. This is past the Nevada Statute of Limitations and I no longer owe 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 explanation
Consumer complaint received 2018-12-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am attaching a copy of the investigation request I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond inside of 30 days, but have not. I have also sent a follow-up letter, which has also gone ignored.

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 2021-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a Bank of America DUA card by mail that I never requested. As I work full time.

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 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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/2020 I wrote the US Department of Education concerning my credit report. As evidenced by the return envelopes the post office returned the mail and stated " No Such Address ''. I then examined all 3 credit bureau reports and they all have different addresses as evidenced by the information that I attached from Transunion, XXXX, and XXXX  ( that are circled ). The creditor is responsible for reporting accurate information on my credit report. Also, I wasted money on postage as evidenced by these envelopes to only be returned. I am asking that all these accounts be DELETED because of inaccuracy.

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 2019-10-24
Company: SYNCHRONY FINANCIAL
State: NV
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:
Synchrony Bank Paypal Mastercard. Their site does not disclose the posting guidelines for payment cut off times to be considered on time. When I made a payment recently, it was a Sunday, XX/XX/XXXX to be exact. I looked on the site to see what the posting deadline was. I was in a trade show all day, and completely overlooked it was the XX/XX/XXXX. I saw no posting policy, nonetheless I made the payment. When payment was made I got a reply that said, " You paid before the due date. If a late fee appears, it will be automatically removed '' The late fee was indeed on my account already on the XX/XX/XXXX.

I checked the account on the XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. Fee was still there.

I entered a chat with a representative on the XX/XX/XXXX and assured that it would be gone by the end of the night. 

Today, XX/XX/XXXX, the fee remains. I entered a chat again with XXXX XXXX, an escalation account manager. While he did waive the fee, and confirm it was done, I am filing this complaint with the CFPB as XXXX told me there is NO POSTING ON THEIR SITE OF POSTING TIMES! 

How can a consumer RELY on a DEADLINE, if the bank takes the position, " I am not sure if I can share that information with you '' - this is what he said to me in chat. 

I do believe bank laws and Fair Credit practices are in place to protect consumers from banks " making rules as they go '' - which in this case, and no published policy on their website, they can absolutely do, ultimately harming the consumer.

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 2019-10-23
Company: EQUIFAX, INC.
State: NC
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 opened 4 disputes with Equifax about wrong late payment with my XXXX account. 
All other bureaus do not report these late payments. I have contacted XXXX credit bureau and they resent the correct information to Equifax at least 2-3 times. 
Equifax does not seem to care to properly check what was sent to them Last report sent from XXXX to equifax was on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: AZ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT ED/XXXXXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX 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 non-monetary relief
Consumer complaint received 2023-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had deposited an insurance settlement check from XXXX XXXX XXXX XXXX into my Bank of America checking account for the amount of XXXX $ on the XXXX of XX/XX/2023 due to inability of the teller to cash the check. The issuers cheque was from Bank of America as well. Which is supposed to be credited into my account within XXXX business days. But the bank placed the check on hold until XXXX XXXX And deemed the check to be a counterfeit without verification with the insurance agency. They closed down my account under risk closure. They asked me to contact their client protection department regarding the funds. They sent me an account closure letter with no information on the reason for the closure. I called the client protection team constantly for upto XXXX weeks provided the information of the insurance treasury department as well. They re opened my account realizing their error. And validated the funds. But even after consistently calling them everyday for a month, they are not willing to credit my account with the funds. Everytime I contact them they give me a time frame of XXXX business days. But the funds were not credited. My mechanic storAge cost of my vehicle has already gone up to XXXX $ due to the banks mistake which I have to pay out of my pocket.

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 2022-01-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX- ACCOUNT NUMBER : XXXX CHARGEOFF Amount {$0.00} Bureaus : XXXX I've been trying to fight with XXXX and experian for months, first letter I asked them to verify the alleged account which had a balance at the time of disputting or delete the account, then they sent a letter they updated the alleged account to {$0.00}, then i sent a letter again asking how they were able to verify the account on XX/XX/30, they never response back to me.

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 2018-12-27
Company: MARINER FINANCE, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Opened a loan with Mariner Finance and I have NEVER been 30 days at more past due on my payments. On the XX/XX/XXXX I spoke with the branch manager XXXX and informed her that I would be making XXXX payment on the XXXX ( my payments are due on the XXXX ) and XXXX payment on the XXXX. I also asked that she stop calling my references and informing them that they are trying to collect a payment. At that time the manager became rude and very unprofessional. I couldnt get a word in so I hung up. She didnt act that way when she left the voicemail on my  DAUGHTERS phone and even discussed options to bring the account current. That Saturday ( XX/XX/XXXX18 ) the same day I made a payment I received a letter of default on my loan. How did I default on a loan thats not even 30 days past due? I simply want them to stop contacting my references and collection/garnishment proceedings stopped if they have started.

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 2021-05-24
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVN Funding falsely claimed that a {$5700.00} company debt is my personal debt in violation of the Fair Credit Reporting Act. This is an act of abuse that I just uncovered by ordering my credit report recently from XXXX  XXXX XXXX. 

There is no evidence that I signed any documents stating that as an authorized signer of the business who took the debt, I was responsible to pay for the businesss debt. There is no such proof that LVN Funding can provide since such proof simply does not exist. Instead of pursuing collecting the debt against the business, as the former signor of the business, I was instead pursued. Additionally, LVNF Funding must provide proof of debt assignment from the original business lender as it can not even pursue a claim against the business without the proper written debt assignment letter from XXXX XXXX XXXX to LVN Funding. 

This act of abuse is illegal and must stop and a violation of New York XXXX and Federal Fair Debt Collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been attempting to settle the forebearances and default on my student loans for 10 years. I have answered my phone, cooperated with both XXXX and XXXX  XXXX   XXXX by filling out forms, returning their forms, calling customer service, speaking to customer service, but they have refused to process anything I have sent, and have wasted 10 years of my time. My payments and treasury offsets for my tax refunds are not showing up anywhere, despite the fact that my Federal refunds have been garnished for 5 years. They have harassed me with daily mail, phone calls, and wage garnishment notices, while refusing to give me a hearing. I was in the class in a class action lawsuit in Virginia against XXXX XXXX XXXX, and they were ordered by that court to cease and desist the fake wage garnishment notices without first offering a hearing. They have now blocked my phone and email from any further communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: FIRST HOME MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The company First Home mortage completed an escrow analyst in XX/XX/2021 informing my account was short. I explain the shortage was the property taxes. The taxes had already been paid. I submitted proof to them via email as they instructed from tax and assessment. I had to call them every day because they refuse to run the new analysis to calculate the taxes being paid. 

I need the mortgage company to account for the tax payment and return my payment to its original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: NY
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:
In XXXX of XXXX, I began to review my credit file. After finding several inaccuracies, I began to dispute the inaccurate information asking for an investigation to be done by the credit bureau for the items reporting on my credit file. To date, I have not heard anything from Equifax regarding my request for investigation. They have continued to ignore all requests which leaves me financially harmed due to an inability to obtain an extension of credit. I have sent requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, absolutely no changes have taken place on my file, or have I received any response to the numerous requests made concerning the incorrect information reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 have filed a dispute in regards to the incorrect on my credit and it has been well over 30 days and I have not received any investigation results at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Banks keep telling me that XXXX  is telling them that I have a consumer ID theft notification on my profile, however, XXXX says nothing is on my profile. This is extremely frustrating because I am unable to open up a bank account. Please remove this off of my file, any theft or restrictions, period.

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 2021-10-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to issue a formal compliant against Chase for misrepresenting my credit report. After reaching out on several occasions, I have been repeatedly ignored and brushed aside while they continue to illegally misrepresent my payment history. In XXXX XXXX, I reached out to JP Morgan Chase to defer my credit card payments due to COVID. As explained by their representative, payment deferrals would not negatively impact credit reports. Later on, this would show up as a clause dictated in the Coronavirus Aid, Relief and Economic Security Act. However, in XXXX of XXXX, JP Morgan Chase arbitrarily decided to reflect the payments of XXXX, XXXX and XXXX as late. 
I take pride in being able to manage my financial obligations and if it werent for Covid impacting my business, I would have been able to maintain my excellent repayment history. In fact, for the seven years I had the Chase Sapphire card and I was never late. I have reached out Chase Executive team on several occasions - I have emailed, sent written letters and called and it has been over 60 days without a reasonable response. 


The approximate timeline is below : * XX/XX/XXXX XXXX Email asking for review * XX/XX/XXXX - Acknowledgement of receipt denying my request with having a representative as XXXX as contact for further information * XX/XX/XXXX Call XXXX, leaving voicemail * XX/XX/XXXX Call XXXX, leaving voicemail * XX/XX/XXXX - Sent first letter to Chase * XXXX - Sent Second Email * XX/XX/XXXX Call XXXX, leaving voicemail * XX/XX/XXXX Call XXXX, leaving voicemail * XXXX - Called general line and spoke with XXXX who was not able to get in contact with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: VA
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 XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation