BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-23
Company: JPMORGAN CHASE & CO.
State: PA
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:
On XX/XX/XXXX, I won and paid for a XXXX XXXX XXXX XXXX '' laptop on XXXX. I paid using my Chase credit card in two transactions {$1400.00} ( for the item ) plus an additional {$120.00} ( for the tax ). I picked up the XXXX, foolishly trusted the seller and took the XXXX home. I went to turn the XXXX on the following day ( XX/XX/XXXX ), it would not turn on. I contacted the seller via ebay as well as their email address ( on their business card ) on XX/XX/XXXX because I allowed the XXXX to charge overnight. No reply. I again contacted them on XX/XX/XXXX, XX/XX/XXXX and no reply. I contacted Chase. They advised they would open the dispute ( 2 ). XX/XX/XXXX Chase sent a noticed telling me the merchant said they spoke to me and I made a mistake opening the dispute, that was a lie. The noticed said " If you want to continue with the dispute, sign and return and we'll go forward '' ( in short ). I sent a secure message thru the app noting that Id like to continue with the dispute. XX/XX/XXXX I received notice from Chase stating they are considering the charge for {$1400.00} valid. I called the specialist on the claim and he stated he had no received information he requested of me. I advised him I sent all info in. He asked that I re-open the claim and fax the information I have to a fax number. I did that right away and was given a new claim number. On XX/XX/XXXX, I received notice that they approved my claim for {$120.00} ( the 2nd charge ), and credited my account. On XX/XX/XXXX, I received notice they denied my claim for {$1400.00} and that charge is valid. I called XXXX, the specialist to discuss and he advised they never received the faxes. I have proof the faxes were successfully uploaded. I begged him to look for them. He said he will have someone call me back. I have no faith. I am getting the run around and it is not fair. I am stuck with a broken {$1500.00} computer and Chase will not help me. Please, I have all paperwork and proof of everything. Please help me get my {$1400.00} back. 
These are the dates I have spoke to XXXX the claims XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 2 times ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and a few more. 
These are the dates I have attempted to reach out to the merchant before opening the any dispute : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ... .all had no reply to them. 
Please take note, when I opened the claim, it has 2 disputes because the computer was paid in 2 separate charges. Why would they approve one charge and not the MAIN one?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I created an account to monitor my credit and was surprised to see a collection from credit collection services which dropped my score significantly. This collection was paid in good faith with the understanding it was to be deleted from my credit profile with each bureau. I would like this collection deleted due to erroneous collection tactics.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Nelnet, 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: Information belongs to someone else

Complaint:
I have two of the same duplicate accounts reporting on my credit for student loans. One is reporting under Nelnet while the other is reporting under US Dept of Education. Mind you I have never attended college in life nor applied for federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
On XX/XX/XXXX Bankamerica withdrew {$2000.00} from my business checking account without my authorization & without any advisement that they were going to debit my account. They applied this money to my business credit card ending in XXXX which THEY cancelled over one year ago. 
This theft on their part caused {$280.00} in overdraft fees and bounced checks but my real concern is when I called they said they can do what they want because I was behind in my payments. Additionally they said they will debit my account for additional money to satisfy the remaining balance due at their discretion. I argued this was theft and they said I signed an agreement back in XX/XX/XXXX that would allow them to do this. I asked for a copy of this document and have not received it. 
I have been trying to make weekly payments on this credit card but most of the payments do not go through because of insufficient funds. 
I am suffering a hardship at this time and explained this to Bankamerica many times. I asked if they would consider a settlement offer to reduce the entire outstanding amount over a period of time and they said they do not offer settlement reductions on business credit cards. My home is in intent for foreclose, I am behind on my NJ sales and use tax and my rent on my business is delinquent as well. 
Also, as of close of busiess XX/XX/XXXX they have charged me a total of {$29000.00} in overdraft fees. I received a refund of {$980.00} when I prove that they allow certain checks to be cashed BEFORE I scheduled those checks to be paid. Ive ask them to refund some of these exorbitant fees and they say my account does not qualify. Why? Is it because they know I am a XXXX year old woman? Or a single mother? Or do they feel believe I have no voice because I have fallen on terrible financial set backs and they can gouge me out of dollar after dollar whenever they can. 
Please help me. Their new ad campaign now states : What would you like THE POWER to do? They refer to themselves as THE POWER now, is this what they mean? POWER to extort and wring money from your account-POWER to charge tens of thousands of dollars in overdraft fees? POWER to bleed an extra {$35.00} just because you were overdrawn more than 5x in a row? 
They have to be stopped.

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 2023-02-01
Company: EQUIFAX, INC.
State: NC
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:
Since XX/XX/XXXX I have requested to opt out of reporting per 15 USC 6802 which was sent to Equifax, XXXX and XXXX. I sent these documents registered, Certified and express mail. Second notices were sent in XXXX then contract Demand letter sent on XX/XX/XXXX. All credit bureaus are in violation of 15 USC 6802, The privacy act of 1974, 5 USC 522A, 34 cfr 99, 20 USC 1232 G ( per previous student loans that were paid in full reporting ), 15 USC 1681 etc. All credit bureaus have no respect for the law or my rights and has been in violation for many months. The have failed to validate all debt report. provide contracts or documentation requested, respond and pay for reporting per my demand notice, Purge all accounts from my report Except for XXXX account. There is proof that my letters, Request and demands have been received and the credit reporting agencies are ignoring my demands and rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, I have a very urgent matter once again due to a foreclosure sale on XX/XX/2018. I applied for a loan modification to Bayview Loan Servicing numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social it rings couple of times and then I get nowhere. Seems like when I put in my information the phone system recognizes my information and does not connect me to anyone. This has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. After speaking to the employee she did not give me any information regarding my loan and said that only one person could talk to me but I can never get a hold of that person. Also asked for a supervisor and was on hold for over 40 min and never got one. Bayview is playing dirty games for me to not resolve my issue and get an update on my loan modification.

Im being thrown around the phone system and no one can speak with me. Is this a game they play to hold off so long until its too late to speak to someone and then they sell my home? I have done everything needed to do and i have sent them all documents. If Im not mistaken Bayview Loan Servicing is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: LDF Holdings, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out this loan a couple weeks ago with every intention of paying them. I was recently in an automobile accident and my car was totaled causing me to have to get another vehicle. Well my insurance left me with a large balance to payoff my wrecked vehicle so I spoke with a bankruptcy attorney and decided to file a chapter XXXX I was advised to send a letter revoking ACH on my loans that I have since I will be required by the court to file all debts. I contacted bridge lending solutions and they are saying they are going to take my first payment even with me filing the bankruptcy and revoking the ACH

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Set up Auto-Transfer for Auto Loan Payment of {$990.00} on XX/XX/XXXX for loan installment due from my same institution checking account. When I went to verify the auto loan payment was pending on XX/XX/XXXX, there did not appear to be any payments pending from my checking account to my auto loan. Initiated another payment of {$990.00} from checking account to auto loan to ensure payment was made for XXXX billing cycle. Auto transfer appeared to show it was queued up to transfer funds to my auto loan. On XX/XX/XXXX, after checking balances and transactions within my checking account, noticed 2 payments made to my auto loan. One in a pending status, the other posted on XX/XX/XXXX. Called Navy Federal to have pending payment cancelled. Customer service rep told me she could not stop the pending payment in process, but I could call back after payment posted on XX/XX/XXXX to have the duplicate payment reversed. I asked if anything could be done on the banking/checking account side to stop the payment and was advised it could not since all loans and accounts are on same system. Requested to file a complaint due to poor customer service and loan payment experience. I was put on hold 2 different times for 3-5 mins and was never connected to supervisor to initiate complaint. I was informed I could call back later to file the complaint or work to have the already posted loan payment reversed since the pending payment would still ensure my XXXX cycle was paid. Both options were poor ones and advised I would be filing a complaint with CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: CORELOGIC INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX my DOB XXXX SS XXXX XXXX. My current employer is XXXX XXXX XXXX XXXX-current. please remove the following employers they are not accurate XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The following addresses listed are incorrect and not accurate please delete : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX I have several unknown phone numbers on my report please remove the following phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THIS IS THE SECOND TIME TRANSUNION HAS REPORTED THIS INACCURATE INFORMATION ON MY CREDIT REPORT. 

On XX/XX/2022, I checked my TRANSUNION Credit Report that is linked, Mission : Credit Confidence to my XXXX XXXXXXXX XXXX Account, ONCE AGAIN. To my surprise, TRANSUNION is falsely, inaccurately reporting and sabotaging my reputation, by reporting on my Credit Report that, I have 1 recent XXXX XXXX BANKRUPTCIES. This devastating fraudulent inaccuracy is saying that I filled a BANKRUPTCY on XX/XX/2022. I ASSURE YOU THAT, I HAVE NOT FILLED A XXXX XXXX BANKRUPTCY on XX/XX/2022. And then it says, the Bankruptcy was dismissed 3 days later, on XX/XX/2022. REALLY? My husband and I are in the process of getting ready to purchase a home. 

When Transunion reported this same similar sabotaging inaccuracy on XX/XX/2022, After our Realtor was made aware of this falsely, inaccurately reporting and sabotaging my current reputation, she immediately said this would be an issue, because I couldnt have any RECENT BANKRUPTCIES less than 2 years on my Credit Report in order to possibly move forward in the purchasing of our first home. DO TRANSUNION HAVE ANY IDEA WHAT THIS HAS DONE TO ME! I literally have been DEPRESSED ever since my Realtor stated that to me. I was so devastated over this, I didnt even go out of town with my Family and to celebrate my Aunts Birthday with her, because theres a STRONG possibility that my husband and I wont get the home we have our eyes on, due to this FALSELY AND INACCURATELY REPORTING. So, the home that my husband and I have our eyes and hopes on of purchasing, may possibly be purchased by other buyers, due to TRANSUNION FALSELY AND INACCURATELY REPORTING THIS ON MY REPORT. Now, I spoke with XXXX XXXX on Friday, XX/XX/2022 about this FALSELY and INACCURATELY reporting on my TRANSUNION Credit Report they share with them. And I was told by XXXX XXXX that they ( XXXX XXXX ) did have anything to do with this. All they do is provide us ( MEMBERS ) a free access to our Credit Report provided, by TRANSUNION.

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 2022-08-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a a complaint requesting that Credit Bureaus reinvestigate the disputed accounts from my credit report as well as FIXthese accounts from my report during the investigation period. As of this date, they have failed to respond to my request.The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} DP OF EDUC XXXX Balance Owed : {$57000.00} DP OF EDUC XXXX Balance Owed : {$71000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2015 XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$49000.00} XXXXXXXX  XXXX XXXX Balance : {$2900.00}

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 2023-05-19
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am sorry to say that I do not remember dates, amount, etc. I think I have been getting there letters for over 6 years. 2 years ago, I wrote on the letter/debt they sent me and stated that this is out of statutes of limitations. I have not received any mail from them that I know of. 
Every time I check my credit score, that Midland credit is listed. They bought the debt from who ever ( I do not remember, who it was, I apologize ) Midland keeps changing the dates of my indebtedness for their benefit. I asked my mother last week " Doesn't it seem like 6 years ago when this began? She stated yes it does. Midland states this debt is 2 years old. NO WAY! 

Like I said, I wrote back on their letter told them this was out of statutes of limitations I think they are just hanging on to it, trying whatever they do. 

2 years ago was the pandemic, I had other issues, They literally just XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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