BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-24
Company: JPMORGAN CHASE & CO.
State: CA
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: Problem with personal statement of dispute

Complaint:
CREDIT BUREAU LATE PAYMENT DISPUTE with Chase XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX Dear Sir or Madam : I hope youre doing well today. My name is XXXX XXXX, and Ive been a satisfied customer of Chase for nineteen years. Ive always made my payments on time, but unfortunately, I recently made a mistake on XX/XX/XXXX. 

I understand how important it is to make timely payments. However, I missed my payment because my husbands XXXX XXXX that was in remission came back. I had turned off my auto pay with the intent to pay my balance in full and missed both my XXXX and XXXX payments because of the stress of the XXXX my husband underwent. As soon as I realized my mistake, I paid the balance in full of {$3900.00} on XX/XX/XXXX. 

As a person with a credit score of XXXX all of my life, I have never missed a payment to Chase, or any other creditor. As you can see from my account history, I have a long record of on-time payments before and since the late payment. This mistake cost me over 60 points on my credit score and I am sick about this. 

As a courtesy, I respectfully requested that Chase make a goodwill adjustment to remove the late payment on XX/XX/XXXX. Although Chase sympathized with my cause enough to credit me the {$39.00} late fee, they have still reported my credit account as delinquent and this is affecting my credit score. At one point, someone at Chase told me that they would see what they could do. When they forwarded my case to their Credit Bureau team, the team would not help me. I have been a pay-in-full customer for 19 years, and because of this relationship and record, I have asked for a goodwill gesture to remove the delinquent note, and they have refused. 

My track record is proof that I take my financial obligations seriously and I implore that you help Chase XXXX see that I am a customer worth offering this gesture of goodwill this one time only. 

This behavior from Chase makes me want to stop using Chase, even if I can't close the account. 

If you have any questions, or if you would like to speak with me in more detail, please call me at XXXX or send me an email at XXXX Thank you for your consideration, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: American Collections Enterprise, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert from the Credit Bureau for a collection account from from XXXX XXXX XXXX ( XXXX ) that there was an alleged debt with XXXX XXXX  XXXX as of XX/XX/XXXX. I pulled the address from the Credit Report and responded requesting validation of the debt. My initial attempt to contact the was returned as undeliverable in XX/XX/XXXX with the address that they were reporting to the credit bureaus ( XXXX XXXX XXXX XXXX, VA XXXX ). I conducted additional research and found another potential address. I contacted the collection agency to dispute the debt and advise them that I did not owe this location money. 

During this time, XXXX XXXX XXXX continued to report this information to the credit bureau ; even during the dispute time. I received a letter back using the alternate address ( not the one on my credit ) that the account had been " validated '' which was mailed days after XXXX reported that they had mailed the information to me. 

I sent another letter to XXXX advising them that they have violated the FDCPA and had continue to report a debt to the credit bureaus after receiving notification that the debt was disputed. I further advised that if they did not correct this issue and refrain from reporting this inaccurate information, I would have no choice but to take further action. To date, XXXX has chosen not to respond.

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 2019-07-24
Company: Square Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
on XX/XX/19 I had sent a deposit of XXXX bitcoin to my cashapp account from a website called XXXX, a company that deals with legal Bitcoin Gambling. The transfer was successfully sent to cashapp, who then pended the deposit for review. On XX/XX/19 I contacted customer support about the deposit who said that my deposit would be available shortly. Later in the day, I found out my account had been cancelled and that I would no longer be able to use cashapp for violating their terms of service and that they would reverse my deposit. They did not reverse the deposit, and I have sent countless emails to their customer service and have not recieved a single email back regarding my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Checkr, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A felony charge is showing up and counting against me negatively when it was adjudication withheld. It is the only background check that Ive ever received to actually causes all others do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A couple years ago I was a victim of identity theft and someone opened up accounts in my name and I noticed the accounts on my credit report and disputed the accounts and they were removed. Recently I noticed that 2 of the accounts that were removed in the past has been resubmitted back on my credit report. The accounts are from Receivables Performance Management for the amount of {$1200.00} and XXXX XXXX XXXX {$800.00} both are collection agencies. I have reached out to the credit bureau and have request validation of debt from the companies but and I'm still awaiting for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: RoundPoint Mortgage Servicing LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our title company ordered a payoff on XX/XX/2019. We closed on our home on XX/XX/2019. The title company called because Roundpoint did not give clear wiring instructions on their payoff statement. Roundpoint Mortgage would not give them wire instructions without us calling to give authorization. The title company has been waiting for them to give proper wire instructions and they are not releasing that information causing a delay in receiving the payoff for our mortgage.

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 2019-04-10
Company: EQUIFAX, 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:
one fradu account has been reporting under my equifax credit reporting agency and they are giving me a very hard time about this, i have disputed several times as fraudulent but they are not disputing correctly and are giving me a very hard time. 
i have been very upset and distressed and not been able to function properly, about this matter, i have also attached my police report and other docs, but yet not been able to have this taken care of. 
i will be attaching this FTC report and police report and identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
American Education Services currently services my XXXX  FEDERAL loans which currently qualify for the 0 % interest rate set by Congress. They are still charging all of their customers interest and are not automatically putting loans into forbearance. I also have loans serviced through FedLoan which shares the same contact number as AES. Why is AES getting away with this?! They're telling customers that our loans don't qualify ( they absolutely do and absolutely are not private loans ) or that they'll reimburse us all the interest after XXXX. Please put a stop to this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased the 2015 XXXX from XXXX XXXX in XXXX XXXX. I had a trade in a 2013  XXXX XXXX. Balance XXXX. The 2015 XXXX was listed for XXXX. I had. XXXX credit score and did a trade in they made my interest rate 11 % plus I am paying for gap insurance and their loan is charging me a daily rate on the loan that I was not told about. I am paying XXXX at the end for a XXXX car plus I had a trade in. How can this be. I have been paying since last XX/XX/XXXX {$420.00} a month the balance showed XXXX in the beginning and right now it showing XXXX??? How can that be if I have been paying for over a year XXXX my balance should be way less owed. This is USUARY and a disgrace I did not sign for this type of loan. I had TD bank with my charger at 5 % interest now I have this car with a. Daily rate and 11 % interest. I want this redone correctly. I am not being used like this please help me get to the bottom of this dealership scam and finance company. I should owe less on my car and I want it fixed. The dealership is using tactic making you wait for hours signing he document then the bank write you and say something different. I want a regular 62 month loan no daily rate XXXX. I want all my payments credited towards my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Larry H. Miller Group of Companies
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I was contacted by XXXX at Larry H Miller XXXX in XXXX AZ on XXXX/XXXX/XXXX stating that they may be able to get me into a new vehicle or better financing on my vehicle. I set an appointment for the weekend and selected a XXXX XXXX. I had negative equity in my XXXX XXXX. I was presented with terms for the new XXXX and was not comfortable with the payment. Upon a 2nd review by their financing department, the all of the sudden realized I still had equity in the warranty they sold me on the vehicle I was trading in. They were able to use this equity along with increasing how much they would give me for a trade to get me to a payment I agreed with. I was told by the salesman, XXXX, this would be my financing. It was explained to me that the way XXXX does their financing is they take your score and put it into brackets, whatever that bracket you fall into is what your rate and financing is. I signed financial documents including a truth in lending statement, power of attorney for the vehicle I was trading in and documents with my rate, terms, finance company name, payment and payment due date. These documents also include a breakdown of all fees, payoff of previous vehicle and services being financed. I signed these documents with XXXX and asked so if you guys cant do better, this is it and were done? No one is going to call and need more money? He assured me this was it but he didnt handle my type of loans so another person whos really good with old bankruptcies will see if he can do better. If they were able to get better financing I was going to go back XXXX  morning and resign new documents with the new financing. I did not hear back from XXXX, XXXX. I left a message with the receptionist, XXXX on XXXX afternoon and did not hear back. I called XXXX and reached, XXXX in the financing department. Expecting to hear they were unable to do better then XXXX XXXX, XXXX instead told me that I need either a co-signer or {$4500.00}. XXXX apologized and said its only about 1 out of 100 customers this happens too. That sounds like a lot of people they have been doing this to when you consider theyre one of the largest dealerships in the state. I provided a co-signer. I received a call today, XXXX  XXXX/XXXX/XXXX saying the co-signer is not enough and I would need the {$4500.00}. I am not being told I need to return the vehicle and take mine back. I was also told I will not be charged anything for the vehicle I have to return. I have not been told what happens to the {$500.00} doc fee I had to leave with them for electronic withdrawal. I am also contacting the FTC and our local media.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
So someone got a hold to my card while I was in ANOTHER STATE ( XX/XX/2019XX/XX/) and stole {$3500.00} from me using my Navy Federal Red Debit Card XXXX They are the ones who told me that someone had logged into my mobile banking from a FRAUDULENT KNOWN DEVICE. And they even gave me new account numbers and had my change my user name and password. After all of that, the bank REFUSES to give me my money back. I asked for a second review they still wont give the money back. I told them that if they needed me to I would go to the merchants that were listed, and ask for video footage. They still dont care they want me to appeal their decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: EQUIFAX, INC.
State: WI
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:
Few days back I contacted a lady and she looked up ALL my info and said all Equifax was closed and that MOST complaint # were ADDRESS related! I DID NOT do that.. MAIN complaint is that EQUIFAX and XXXX lady with THREE letters TOLD me that good news! EQUIFAX IS LEAVING MY ACCOUNT OPEN with XXXX XXXX and CREDIT SCORE WILL GO UP FEW DAYS!, Next day got email XXXX XXXX asking if I CLOSED XXXX XXXXXXXX card and I responded back I DID NOT! STILL XXXX XXXX CLOSED THROUGH EQUIFAX and I DID NOT due it. I have PROOF on recorded line Few days back with DETAIL info AS well as TALKING supervisor!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi, I sincerely ask regulators to start assessing multiple regular heavy fines against this TD Bank for fraud against customers. This bank is worst than XXXX XXXX after discovery of fraud activities and practices of this bank. 

What happened? I called in, ask to dispute a charge, the call attandent redirected the conversation to a never ending series of verification questions. Hangs up on me, then locks my account. On re-call in by me, account can not be assess. Effectively no help and do not call impression, nothing gets done, alot of redirections and entrapping you to non-service and locking delays. 

This is repetitive and causing harm to consumers needing help with their account usage. 
I ask your regulatory agency to assess regular and multiple heavy public fines so all consumers are made aware of no-protection for consumers and effectively a fraud bank and should be remove from doing business in the US and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2016 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$120.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8900.00}

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 2019-04-10
Company: ZWICKER & ASSOCIATES
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Zwicker and Associates have been constantly for the last 3 months trying to collect on an XXXX XXXX bill that we were wrongly shut out of our portal for. We had an XXXX   business account and because we did not provide them with certain documents, we were locked out of the online portal. They sent the debt to Zwicker and Associates who call us 4-5 times a day initially, early in the morning or in the evening. 

What we are so frustrated about is that they constantly threaten to sue us if we don't pay, but then when we set up a payment to pay in full, they pull the amount on the WRONG DAY. And then call and threaten us that the payment bounced. Well, you pulled it on the wrong day. They pass it from colleague to colleague which just causes confusion and the representatives we speak to are extremely aggressive and rude, saying how much trouble we're going to be in if we don't make the payment. 

I have been trying to set up a wire transfer for weeks now, with no response. Phone calls stopped, and emails too. We have been trying to pay the debt and negotiate an amount but now they are not responding, despite me emailing and asking to speak to the representative that originally set up TWO incorrect pulls from our checking account. 

The bank manager who works with us is an ex-employee of Zwicker and has informed me to make a complaint because he sees this happening alot. They make their own electronic checks and pull it when they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: EQUIFAX, INC.
State: NC
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 a fraudulent account reporting under Equifax credit reporting agency, I have disputed several times and even with a FTC Affidavit validating the fact that i had been a victim of ID theft, yet they are not being helpful at all ; therefore, have no way of finding out whether or not what the situation is about my disputes and a fraudulent account. The fraudulent account I have disputed with Equifax is XXXX XXXX ( Acct # XXXX ) please assist me in making sure that the Fair Credit Repoting Act Section 605b is upheld by Equifax Inc., A private entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed an account with XXXX XXXX XXXX that was paid in full on XXXX XXXX. The last reported date from the company was XX/XX/19. Upon receipt of the dispute the company, Transunion LLC sent notification that the dispute was being investigated. I received a notification that my dispute results were ready to view. Once logged into the portal, I was unable to view them. I called the company on XX/XX/19, asking to dispute the account, the representative explained to me there was no record of the account on my report. This is rather frustrating I am in the process of buying my first home, and I would like for my report to reflect my ability and willingness to pay on 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 explanation
Consumer complaint received 2019-07-24
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed COMENITYBANK/XXXX for the amount {$6000.00} with all three credit bureaus for 4 months now asking them to validate that the information thats reporting to my credit profile is correct by providing me with a signature of mine or a verbal agreement from me. I havent received any verification as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Fuel Capital Group
State: NV
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:
I have traded in my car already, this loan is paid off and transferred to someone else and its still reporting on my credit as past due. I tried to dispute it with XXXX XXXX and they did not remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I WAS A VICTIM OF IDENTITY THEFT DUE TO THE MASSIVE DATA BREACH OF XXXX. I HAVE TRIED RELENTLESSLY TO HAVE THE ITEMS BLOCKED VIA 1681-c2, HOWEVER THE CREDIT REPORTING AGENCIES REFUSE TO REMOVE THE ITEMS EVEN THOUGH I PROVIDED THEM WITH A FTC REPORT, POLICE REPORT AND SWORN AFFIDAVIT.

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