BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I noticed 2 accounts on my report that do not belong 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 non-monetary relief
Consumer complaint received 2023-06-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX there was a sitewide glitch on Chase 's end that sent out duplicate XXXX payments on that day, causing my payment of {$2300.00} to be charged a total of {$4600.00} to be withdrawn from my account. My XXXX history shows that I only authorized one payment. As reported online here : XXXX XXXX XXXXXXXX I filed a claim with Chase on XX/XX/XXXX about the duplicated charges as well as an earlier complaint with the CPFB ; in turn, Chase reversed my duplicate charge on XX/XX/XXXX. However, even though I was debited twice, my recipient only received a single payment. That single payment was then reversed on XX/XX/XXXX so the payment was sent to the right address, but was reverted back to Chase. My recipient effectively received a net total of {$0.00} and I am still responsible for the {$2300.00} of the funds that did not go through. I no longer have access to those funds as they were debited out of my account and must send over replacement payment. I went in person to a Chase branch on XX/XX/XXXX and they confirmed that they could see the two posted payments being debited to my account, however XXXX XXXX received one charge of {$2300.00} and one of {$0.00}. 

My recipient 's bank is XXXX XXXX and have been confirming that they did not receive payment on that end. If Chase had conducted their investigation correctly and/or communicated with XXXX XXXX , they should have reversed the debit on my account but left the XXXX XXXX transfer untouched. My claim with Chase and CPFB complaint have since been closed but I am still missing {$2300.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-17
Company: EQUIFAX, 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:
I submitted a complaint about an ambulance XXXX XXXX ( 3 ) about not accepting XXXX XXXX payments as paid in full. My complaint was accepted and the entries were to be removed. All other companies accepted XXXX payment. I lost my job to Covid-19 and live on social security. Food & housing take most of my check and payment is impossible under the credit. I am XXXX with health issues & future employment is unlikely. This is unnecessarily hurting my ability to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: EQUIFAX, INC.
State: MI
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:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. I was a victim of the Equifax and XXXX Data breach. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: KEYCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am attempting to use a third party app called " XXXX XXXX '' that loans you money from you next paycheck without fees! However my financial institute " Key Bank '' does n't convey my transactions to " active hours '' in a timely manner. I have attempted to contact key bank through phone and social media to no avail. If " key Bank '' would just release my transactions history to this one app, I would be ecstatic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: SELECT PORTFOLIO SERVICING, 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: Public record information inaccurate

Complaint:
Mortgage Company : Select Portfolio Services, ( SPS ) Mortgage Account Number : XXXX Property : XXXXXXXX XXXX XXXX  XXXX, XXXX CA XXXX On my credit report SPS incorrectly reported I was in foreclosure on XX/XX/XXXX and XX/XX/XXXX. My account is current and I was not in foreclosure during this period. 

I called in XX/XX/XXXX and first told that they did not submit any negative reports to my credit record. I would need proof to show SPS posted incorrect report. 

On my second attempt XX/XX/XXXX, I spoke to SPS Representative XXXX, I told her I had proof that the SPS did report I was in foreclosure. Her response is the report is correct. I can TRY to submit request for correction to the credit bureau but it will take 30 days however, their records show it's correct. 

I did try to speak to my Relationship Manager XXXX with no success. My calls were immediately redirected another representative. 

I am extremely frustrated with SPS with their consistent misinformation and lack of assistance. I feel they are holding me hostage. 

I am requesting for your assistance to have SPS correct my credit report. This has caused me undue hardship. Any help will be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The servicing of my mortgage was transferred to XXXX XXXX XXXX XXXX c/o LoanCare , LLC effective XX/XX/2020. On XX/XX/2020, after contacting LoanCare and speaking with a customer service representative, I made an online principal curtailment in the amount of {$43000.00} along with a one-time fee of {$300.00} in order to re-cast my mortgage. 
Since that time, I have repeatedly contacted customer service to follow up on the re-cast documents. After the first two follow-up attempts, with no resolution in sight, I reached out to my Loan Officer,  XXXX XXXX, on XX/XX/2020 to see if he could assist. 
On or about XX/XX/2020 almost three months after I submitted the online principal curtailment I finally received an Agreement for Modification, Re-Amortization, or Extension of a Mortgage in the mail. However, upon review of the document, I realized much of the information was inaccurate. I, once again, contacted customer service and was advised that I would have corrected documents in my hands by XX/XX/2020. 
As of today, I have still not received the corrected documents. I contacted customer service again today for the 5th time and spent 38 minutes on hold waiting, in vain, for someone to connect me to a supervisor. 
It is now almost four months since I sent LoanCare over $ XXXX and I have nothing to show for it. I continue to make my monthly mortgage payments, on time, in the full amount specified under the original terms, when I should, in fact, be making principal & interest payments on the reduced amount.

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 2020-07-14
Company: JPMORGAN CHASE & CO.
State: GA
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:
My car window was smashed at a local trailhead and my purse stolen from the floorboard of my car on XX/XX/XXXX. I immediately filed a police report with local authorities. XXXX County-XXXX  Georgia Police report # XXXX ( Officer XXXX ). Within an hour of the discovery, I also called my credit card companies including Chase to report the theft. Chase sent me an email that someone tried to use my credit card at XXXX - I used their online tool to indicate that the charge was not me. The charge was approved anyway. {$400.00} was charged to my card at XXXX and store surveillance footage shows the purchase was made by a XXXX male ( I am a XXXX  female ). Nevertheless, in spite of filing a police report and immediately reporting the fraud, Chase 's Fraud team 's internal investigation decided that I am responsible for the charge because it occurred at a store near ( 5 miles or so ) the site of the theft and my own address. Chase 's letter to me indicates that I " received benefit from the transaction. '' The fraud phone # directed me to an email and I called the main # and spoke to someone in disputes who said it was not a dispute but she read the internal notes where Chase thought that I made the story up. So apparently, the thought is that I smashed the window of a XXXX, wasted an afternoon filing a police report and contacting banks, wore a XXXX XXXX level disguise to XXXX, all to defraud Chase of roughly {$400.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26
Company: CarMax, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've disputed the missing Payment History on this account. This account is missing 17 months of payment history. The account opened in XX/XX/XXXX. There is no reporting on this account from XX/XX/XXXX to XX/XX/XXXX. It has been removed from the account and this is no longer FAIR. XXXX responded that CarMax verified that the account is accurate. This account is NOT accurate and NOT complete. Based on the reporting and information we have a FCRA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: TN
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:
This bureau reported misleading information and they trespassed my rights of privacy. They have failed to do their GRAVE RESPONSIBILITY which is to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This is a direct violation of federal law. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took a credit with Synchronicity Bank and agree to make autopayments to cover the costs for 36 months. At some point, the system charged for the whole debt in one payment. Wanted to change again to monthly autopayments, bank agreed to send me a check as a way to reimburse and then being able to proceed with monthly autopayment. Check never arrived. So I decided it was for the best to just leave it like that, the bank already got my full payment, I was debt free. 

But, few weeks later, they still try to charge me for something I already paid!. And even when I tell them to review their system and see that 1 ) I never got a check 2 ) I never cashed that check 3 ) they got the full payment from my side, they try to keep pushing for me to make payments.

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 2020-07-14
Company: EQUIFAX, INC.
State: SC
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:
Prior to closing on a new home on XX/XX/2018. The lender XXXX XXXX XXXX  was unable to access my credit report from Equifax. Previously, in XX/XX/2018 I asked that a Freeze be placed on this account to prevent identity theft. During the process of relocating and purchasing a new home in XXXX XXXX my credit report remained frozen. I have repeatedly contacted Equifax via phone calls, on line and regular mail requests to remove the Freeze. They continually tell me that they see a problem but they are never able to resolve the problem. It has been nearly two years that I have been working on this. I am currently waiting for Equifax to contact me with the current status of their investigation. 
This issue has caused me to pay higher than normal rates for Insurance and home loans. 
I am in a desperate need for help to get this resolved. Please send help. 
Equifax : Unfreeze my account, XXXX I am currently trying to refinance my mortgage and this issue is preventing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXXXXXX XXXX  XXXX Balance : {$5500.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX 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 2023-05-21
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling countless times a day from different numbers. Called 6 times on a Saturday between XXXX and XXXX. Now its Sunday morning ( currently XXXX ) and theyve already called twice since XXXX. They also call all through the week, but these weekend calls are ridiculous. This is harassment and needs to cease immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX my Freedom Unlimited credit card was denied when I attempted to pay for lunch. In the afternoon, my wife attempted to make a purchase at the mall and her purchase was denied using the same card. I called the bank credit card services at ~XXXX XXXX and I was informed that both my credit cards ( Freedom and Freedom Unlimited ) were closed. When I inquired about the reasoning, I was informed that Chase Bank has decided to close my other accounts and therefore credit cards have been closed as well ( other account referring to Checking and Saving ). When I asked why I was n't even notified, I was informed that a letter was sent the same day my credit cards closed. After about an hour of being bounced around on the phone, a lady with banking informed me that " my account has been reviewed and the bank has decided to close my accounts ''. As I repeated my question, she kept answering the same exact way ( maybe changed a word ) but no answer as to why?!? I have been a good customer and have had no issues in regards to payments. How can my checking, savings and 2 credit  cards close with no explanation?!? I was informed that I can continue to use my checking and savings until XX/XX/XXXX as they will close later. I still have no mail about any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: EQUIFAX, INC.
State: NY
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:
My problem is with both Equifax and XXXX. 
I have been trying, unsuccessfully to get my name corrected. I have contact both more than once. 

Each needed personal information. Which I sent. 
All I have been trying to do is remove the middle initial " XXXX  '' from my name. I do NOT have a middle name. 

XXXX - did NOT address my issue, but instead sent me a copy of my credit report. 

Equifax required that I send via USPS, a copy of my drivers license, social security card, and recent utility bill, which I did about 2 months ago. They say they never recieved it. 
So now, my vital personal information is floating around out there in someone elses hands. Someone can now use that information to steal my identity, because they have no secure online way of me sending my information via email or on a secure website. 
I filed a complaint about this with them - no reply. 

Both agencies are next to impossible to deal with, let alone get information corrected. 

What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in 2017 I used XXXX as my phone company and had to change to XXXX because my XXXX  account was continuously being billed more than what my original set up options were. After speaking with the local XXXX  worker about my bill continuously being overcharged he would work on the issue and tell me this happens often, we will get it fixed. Well for 5 months i was charged more than my bill and I went in again to the same XXXX  store to speak with the same XXXX  associate, he was gone. At this point i was fed up with the account and said it was time to move to another carrier. After speaking with the XXXX  account representative and explaining the situation she was nice and told me no issue, we will close out the account. She helped me do that no issue. I had overpaid my bill for 5 months prior to closing the account, I had no outstanding balance. I was done with XXXX. Then a few months go by and i get a letter from XXXX saying i owe them {$420.00}. This bill came out of no where and when i took it down to the XXXX  store to get clarification the representative couldnt help me because my account was closed! I called and tried to handle the situation explaining the circumstance and got no answers. Now the debt has been sold off two times and after trying many times to resolve this, this is my last option.. I am a good person who has no intent to not pay my bills. Iv established great banking relationships and plan to have a bright future. This debt thats not understood by people who are trying to collect it is effecting me. I hope to have it taken care of. Thanks

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 2022-12-15
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have unauthorzied inquiries on my Transunion credit report. I called Transunion on XX/XX/XXXX to dispute the inquires. The inquires still remain on my credit report that I do not recognize. 

XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/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 2023-06-26
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am not a reporting agency. I have sent ftc reports to nelnet and a police report that I have submitted to you all to send to the company below are the letters that they respond to when I file a dispute. 
I have never lived at the address on the account XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation