BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have submitted numerous CFPB complaints about JP Morgans failure to service my checking account. Yet the account continues to be plagued with problems with no one to correct them. Following is further documentation of the same. 

For many years, JP Morgan has diminished the availability and ease of use of paper records. It will not provide copies of written checks and the so-called copies it provides, sometimes, online usually are illegible on the front or back of the copied check. 

Now JP Morgan has eliminated the ability of an account holder even to search for check images online. There is no search field for " checks '' alone, creating further burdens on its customers, degrading basic services and providing paper records rather than the ephemera of its wholly owned online banking. Forcing me to get check copies online increases my exposure to cyber security risks and risks of identity theft. It is probably pressuring regulators to allow it to completely eliminate paper records on accounts. 

I am unfairly, deceptively, abusively, and repeatedly denied advertised functions on the account XXXX most recently, wire transfers, external transfers, XXXX transfers, and having had a check not credited until over a week or more after it was deposited ; being unable to easily locate check images through online banking ) on this checking account. 

The CFPB needs to force JP Morgan to provide one specific individual at one specific location who can be reached with reasonable effort and within a reasonable time frame who can solve this account 's many dysfunctionalities. It should also sanction JP Morgan effectively for failing to provide widely advertised services for years on this account. Whatever it may have done to date, does nothing to little to correct problems on this account. 

The CFPB should compare the multitude of problems I and the other holder of the account have reported across years and compare our treatment to those of other JP Morgan account holders. If most other JP Morgan account holders are treated as badly, that is one problem ; if most are not treated as badly, JP Morgans behavior should be investigated for the retaliatory practices it probably is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Sequium Asset Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Starting around XX/XX/XXXX, I receive a call every day around XXXX XXXX ( except maybe Sunday XXXX from phone number XXXX. I have not answered. Today, XX/XX/XXXX, I inadvertently called the number. I was trying to get the complete phone number so I could file this complaint. 

I heard a recorded voice that gave an amount owed, a notice of a convenience fee for collecting payment, and a website : sequium.com. There is no collection account information on my credit report, I've received nothing in the mail, and any collection debt in the past is paid and is at least twenty years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Receivable Management Group, Inc. (GA)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received dunning letter from RECEIVABLE MANAGEMENT GROUP , INC on XX/XX/2020. The letter was dated XX/XX/2020 attempting to collect debt of {$48.00} on behalf of XXXX XXXX of XXXX Florida for services on XX/XX/2020. 
I called their office today and spoke with a Ms. XXXX. I explained to Ms. XXXX that the XXXX  group failed to provide requested information to XXXX XXXX so that a claim for services rendered could be addressed I have an Explanation of Benefits from XXXX XXXX stating that my financial responsibility is XXXX on this claim. 

Therefor they are attempting to collect a debt for {$48.00} when the balance, per insurance contract is XXXX. 

Ms. XXXX did not want to discuss any matters relating to insurance whatsoever. 

In the event that this debt collector places any derogatory information on my credit report, I will pursue my legal remedies for slander of credit as well as pursuant to the Fair Debt Collection Act.

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 2022-10-12
Company: Experian Information Solutions Inc.
State: GA
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 sent multiple dispute letters to experian asking for proof and validation that collection accounts belong to me. I have not received any of the info I asked for per the fair credit reporting act!! They will not provide me with proof of these collection accounts, only a generic letter stating they have verified the accounts. Please help me dispute these accounts and get the info I have asked for from Experian

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 2018-09-18
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX To Whom it May Concern : I've just reviewed my credit report and have noticed there are several inaccurate items on my report : PLEASE REMOVE THE BANKRUPCY FROM MY CREDIT REPORT AS IT HAS BEEN OVER 7 YEARS In addition, there are a number of credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : I have enclosed proof from my XXXX XXXX of it being over 7 years reporting on my credit Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX 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 2018-02-09
Company: Equitable Acceptance Corp
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This Equitable Acceptance Company contacted me in XX/XX/XXXX,  told me they were associated with the Federal Government to help repay student loans. I did have loans from late XX/XX/XXXX for XXXX XXXX XXXX. Told me that only a portion would need to be payed and the rest would be forgiven in their program. They said they would consolidate the loans, and if i got in, it would be before the Obama Administartion rules changed. 
They talked a good game, so I went for it. 
They told me that my payment would be lower at XXXX $ a month for 18 months then I would be done and paid off. 
They said I would be paying approx {$1800.00} total, then it would be forgiven. 
So i did it, when was presently paying around $ XXXX monthly and had out approx {$6500.00} at that time and going through XXXX. 
So to do this service with them and consolation, I was charged a one time fee of an addtional {$150.00}. I gave them my bank account information and my social, they sent me an email contract to electronically sign. I said would do this, but asked that they send me hard copy too, never received anything. I should have known then! 
So here it is months later paying {$49.00} a month, drafted from my checking account and I didn't think anything of it. Then this month, I get a letter from XXXX saying my loans were not being consolidated, due to no date and Signature being suspect, so i called them. 
This is when i realized it was a scam! I also got in touch with XXXX who said that my loan payments were stopped and it was in Forebearance! 
I only authorized this through the false claims that the company was taking care of everthing to consolidate it from original source and to pay it off. 
I called Equitable Acceptance and cancelled the payments to them and to complain that I knew was scammed. I've also been in touch with XXXX and will get on a legit repayment plan now. 
I hope I can recover the fees and payments made. 
When I called the scam comany to stop the payments, they said I was under contract with a second company and so they gave me that number, called and heard nothing back of course, and it went straight to a VM where I left two messages. Seemed like it was a cell number. 
They also told me it would still have to be paid and will be on my credit report that I didnt pay and that they had my signature on a contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone number XXXX To whom it may concern, My name is XXXX XXXX and I see that that there is an open account for collections of FL XXXX XXXX XXXX XXXX. I am writing to you regarding what looks like two reports showing delinquent on my credit score. My son has XXXX XXXX at XXXX years old at this office. His insurance changed before the second payment, and the office was sent in the change of insurance many times. I even sent it back with one of the bills. About 4 months later my father was diagnosed with XXXX  XXXX, and I became his full time caregiver. During that same week I also became the full custodial parent to my XXXX year old. His father at the time agreed to pay the remainder of the procedure but I can see he let that go to my dismay. I reached out to the original creditor who seemed to not adjust the insurance accordingly and I could not get in touch, even sending in mail. I am writing to you to ask in tern I will pay the remainder if there is absolutely any way your company can reach out to the credit bureaus and delete the negative and derogatory line of credit from my account. I am beyond sorry about the confusion and delays on this account. I can assure you I can have it paid in full if this is able to be taken off of my credit account to assist going further.

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 2020-01-24
Company: Avant Credit Corporation
State: IN
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:
Hello, I applied for and was given a loan of XXXX in XX/XX/XXXX with Avant , LLC. The rates and terms were better than hard money lenders I had come across while looking for funds to complete a rehab after running out of cash. My credit is NOT bad as I have PERFECT repayment history, low balances, and a good mix of creditors. I paid this loan off in 8 months, on XX/XX/XXXX. This company falsely reported my XX/XX/XXXX and XX/XX/XXXX payments as late which is absolutely incorrect, costing me 34 points on my credit due to some sort of computer glitch. Of course, there is no one that I can speak to that is able to solve this matter expeditiously. I am currently working with a bank to purchase a house and this has set me back horribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: RFNA, LP
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Republic Finance did not inform me that insurance was not needed to secure loan but Republic Finance used my need for the money and/or fear of not getting loan against me and encouraged adding insurance to loan Received check for XXXX, amount financed XXXX finance charge ( dollar amount loan will cost me ) XXXX but amount of debt totaled XXXX If I do not try to pay off sooner will end up being charged XXXX, XXXX Republic Finance practices encouraging insurance and motor club as it jacks up debt owed I signed and submitted document within 30 day limit to cancel insurance amounts of XXXX XXXX XXXX which totals XXXX Republic Finance refuses to remove these insurance fees from my loan amount Republic Finance also refuses to remove car club XXXX from my debt as I cancelled this service as well within 60 days I asked if Republic Finance accepts lump sum payments that are applied towards principal only and Republic Finance responded " NO '' In my opinion all the practices I have outline make it next to impossible to pay off debt sooner and this company is out to GOUGE you not HELP you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-29
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I called PNC to let them know that I was having issues transferring money from my PNC account to my XXXX  account. The customer service agent told me that it was times  fault that PNC spot that everything that I needed to do on PNC site set up and all I had to do was transfer my money and that I could also do a transfer from PNC to XXXX  if I couldnt connect my PNC account to XXXX  on my XXXX   app. However I am now finding out the PNC has lied because theyve done things to make sure to make it to where I can not transfer money out to XXXX  at all this seems deceptive and its not a way to keep a customer and its very inconvenient to their long-standing customers and something needs to be done about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Navient Solutions, LLC.
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: Problem with personal statement of dispute

Complaint:
I disputed this with all the of the major credit companies, and XXXX was the only company that actually did anything. The rest just said the info was updated, thats it. They didnt Provide proof of them doing any investigation. 

Lately I have been disputing with XXXX XXXX, and XXXX and Im only getting a reply that the information was updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Bloomingdales offered an interest free 12 month special event account, in addition to the normal revolving ( or regular account ) that I initially opened. I made a special event purchase in XXXX of this year, with the intent of paying it down over the course of the next 10 months. It is my practice to pay my entire balance every month on the regular account to avoid interest charges. I have had to call the customer service line to correctly allocate my payments every month since XXXX. It has never been done correctly. Each time they try to correct their error it got worse. 
I stopped shopping at Bloomingdale 's in XXXX, so that I have only the special event account ( interest free ) with a remaining balance, and yet every single month I get a statement showing an open balance on my regular account, and an interest charge. 
I have spoken to numerous credit manager at Bloomingdales. Each has been embarrassed by the mismanagement of my account. Each time, the interest is reversed.

I want to report Bloomingdale 's for their fraudulent practice of charging interest on a special account set up to be interest free.

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 2023-07-09
Company: EQUIFAX, INC.
State: TX
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 did not authorize XXXX XXXX to inquire about my credit. I did not apply for a credit card with XXXX. 

My credit report with XXXX, Equifax, and XXXX XXXX show that on XX/XX/2022, XXXX XXXX pulled my credit. 

I requested that the credit agencies verify this because : a ) Did not give my permission for XXXX XXXX to pull my credit. 
b ) I did not sign up for any type of credit service. 
c ) I never received any type of notice in the mail that I was accepted or rejected. My fear is that this went to a fraudulent address and not my address. 
d ) I confirmed with XXXX ( who subcontracts this service out ) that I did not apply for this service. XXXX informed me that there is NO application linked to my phone number. 
e ) XXXX XXXX has not provided me with a the original contract so that I can verify if it is my signature or a fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Medicaid was willing to pay for the debt when I first started to receive the mailing bills from the doctors 2018 ( my lawyer instructed me to be seen with ) I call the doctors and explained that Medicaid wanted them to get in touch with them to pay for the bills the doctors told me they didn't want Medicaid they want cash money I explained I'm on a fixed income on SSI XXXX so I called Medicaid back Medicaid said they can't do anything unless they were willing to contact them so on that note the bills went to collection agency AARGON the amount at the time {$4900.00} was the debt I check my credit history and the Amount change to $ XXXX.my lawyer was representing a slip and fall

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 2018-09-18
Company: Sequium Asset Solutions, LLC
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: Information belongs to someone else

Complaint:
Just discovered via XXXX XXXX that you have put a collection on my credit report for {$2000.00} on XXXX XXXX. 
I have not used XXXX for any phone, cable or Internet connections. I have been with XXXX XXXX  for years and its all in my husbands name. 
Ive contacted the Collection Agencys and the Creditor directly XXXX XXXX which got me absolutely nowhere the collection company stated they have only Notes and couldnt provide me with sign documents on any of the information and or reason for the collection to be placed on my credit report I asked why they dont have documents and if they are able to contact cox to get them and email me them so I could have them to proceed further in this erroneous collection that has significantly dropped my credit score I am completely confused and mad at the creditor/collection agency who has not been able to provide probable support in order to place this on someones credit and ruin their score without contacting me prior or helping me with proper documents supporting the amount they have placed upon my credit reports. 
Im asking Please remove this collection from my credit report - it is not my debt ... not mine!!! Ive disputed it also with XXXX/XXXX  and XXXX also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have sent several dispute letters stating that the public record reporting to me is inaccurate.. Transunion verifies bankruptcies thru XXXX.. I have included letter from XXXX stating that they have removed it from there record so how are they verify this public record ..Im a victim of id theft. My father has same name as me XXXX XXXX he has filed for bankruptcy.

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 2021-10-07
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on EOS CCA ( Original Creditor : 10 XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The accounts and inquires listed on FTC report I had nothing to do with.

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