BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase has charged me interest again on my account and I contacted customer service and they are telling me that they are charging me correctly. Im enrolled into the covid payment deferral payment program which I was told no fees or payment while in the program. See previous complaint COMPLAINT ID XXXX in which they states fee refunds I attached here : To help our customers affected by COVID-19, effective XX/XX/2020, through XX/XX/2020, we are offering the following : Minimum payment removal for up to three months Fee refunds Temporary credit line increases We sent our enclosed letter dated XX/XX/2020, to confirm your enrollment of our payment assistance program. We encouraged you to keep paying if you can because we will still charge you interest, and add it to your unpaid balance. We have enclosed a copy of your Cardmember Agreement for more information about interest charges and late fees. We reviewed your account and found we are reporting accurately to the credit reporting agencies. Because the information we send to the credit reporting agencies must accurately reflect your account activity and status, we can not comply with your request for an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
OnXX/XX/XXXX XXXX XXXX XXXX who said he was representing XXXX XXXX called my job & asked for my boss who was not here, then he asked for me & my co worker transferred him to me. He mention the debt, threatened to serve me & my husband the next day, threatened to call the corporate office for my work several times, threatened to put a lien on my husbands home ( we just got married XX/XX/XXXX and that is not legal ), he mentioned in detail all the information for my husbands home address, lien holder, amount owed to the mortgage, etc. I did not give him much info b/c I do have an attorney & I am filing bankruptcy. Most importantly I do n't know who this person is! He then called my husband and left a voicemail. Continued to threaten his home/mortgage several times in the message. XXXX XXXX XXXX said that because " XXXX & I were married and whats mine is his & whats his is mine. '' He left a call back number & case number ( XXXX case # XXXX. After that he contacted my husbands mother who I have n't even met yet. First he asked for my husbands XXXX father, then spoke to my mother in law. He told My mother in law that he made a mistake getting married because they can file a lien against my husbands house. XXXX 's mother said XXXX XXXX was very rude and argued with her. XXXX 's mother passed the information on to her daughter XXXX who called XXXX XXXX back and he told her he had already spoken to me, he would not give her much information but once again he made threats about XXXX 's house and a lien. 
This person has/had absolutely not rights to contact my husband or his mother. He was rude/cocky with all of us and this still has me upset about it still today. He also had no rights giving any information about me to XXXX 's mother or mentioning a lien on his house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I used my Chase bank credit cards to pay for a river cruise this spring. The trip was canceled to to the coronavirus pandemic, and the cruise firm refunded my payments totaling {$11000.00} on XX/XX/2020. Immediately after receiving the credit, I called Chase bank credit card services and requested that they transfer the credit balance to my Chase checking account. I was told they had to issue a check rather than transfer funds. 
I happen to know that XXXX  XXXX XXXX will transfer funds for similar transactions immediately. 
I called the Chase Customer Service number XXXX three times on XX/XX/2020 and they hung up on me each time. I called the same Chase Customer Service number on XX/XX/2020 and they hung up on me twice after making me hold the second time for over 20 minutes. 
I looked up the Chase headquarters number at XXXX XXXX XXXX, XXXX, NY, which is XXXX and only connected with voicemail. I left my name and number and a brief description of their non-service, with a request for a refund with interest. They have not bothered to call me back or initiate corrective action. They are allowed to charge 15.24 % on purchases and 24.99 % on cash advances. But they have used my funds for over a month causing me to lose potential interest. They should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had this card for 13 years and 5 months. My balance has not been increased for a long time. Longer than I can remember. Whenever I request an increase, I am denied and the reasons given are not in order with any 3 of my credit reports. I called the bank and asked about it, requested an investigation. They informed me that they do no such thing and the letter that they sent me explains their reasoning. 
I have also requested other loans through the bank that have either been denied or approved with an extremely high APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I made a purchase on XXXX XXXX XXXX and {$640.00} was removed from checking account. The seller XXXX required the buyer be a verified PayPal member. I used my PayPal account to withdraw money from my checking account. I had to return the item that I purchased because the seller shipped me an unusable product. I followed ebay and the seller directive to return the item. I received an email on XXXX XXXX the seller issued a refund of {$640.00} to me. I communicated to PayPal on XXXX XXXX that I was expecting my funds to be deposited to PayPal or my bank account. PayPal advised the refund would go to my bank account in 5-30 days. I told them the funds were taken out of my account the same I paid for the purchase, why is my money not in my account yet?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX is violating my FCRA rights and the credit bureaus are allowing them to report inaccurate information. This is for 2 loans that I have. A close date only reports on Transunion. There isnt any on XXXX or XXXX. The original contact was with XXXX XXXX. If this company doesnt remove the accurately report this or remove the account within 30 days, my attorney will file a lawsuit in XXXX XXXX, GA for violating my FCRA. XXXX should remove because they violated all inaccuracies in XXXX. The last activity date on XXXX is XX/XX/XXXX but is XX/XX/XXXX on Transunion. No DOLA activity is shown on XXXX. The terms arent shown on Transunion. The other account shows XX/XX/XXXX and XX/XX/XXXX as the close dates. A high balance isnt shown on XXXX In addition, a 90 days past due is constantly reporting on XXXX and XXXX. There shouldnt be any delinquencies after the close date. Also, why are there any 30 or 60 day late payments? Where is the payment history from XXXX until now? Shouldnt the account be removed from the first date of delinquency. If you check XXXX XXXX credit report there are delinquencies from XXXX which means this account should be immediately removed and not in XXXX. This historical information is incorrect and reports a past due amount and does not show history from XXXX. This account has many issues which can be proved in a court of law. Plus this creditor continues to validate inaccurate information.

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 2020-12-09
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: Account status incorrect

Complaint:
I have a XXXX XXXX credit card that is being reported by the CRAs as late for the following months : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This information is inaccurate and despite providing proof of payment to XXXX XXXX on several occasions, my payment history has never been updated or corrected by the CRAs. This is a violation of the Fair Credit Reporting Act and I would like the erroneous information removed immediately. This inaccurate reporting is having a severe negative impact on me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: M&T BANK CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
IF YOU NEED THE PROOF, I HAVE ALL THE COMPLETED DOCUMENTS TO CONFIRM MY CASE .... 

I WANT THIS FIXED PROPERLY & I KNOW WITHOUT YOUR HELP THE BIG BANK WILL NOT TREAT THE CONSUMER FAIRLY ... .THAT IS WHY I 'M CONTACTING YOU. 
IM SURE THAT I 'M NOT THE ONLY PERSON THEY ARE BREAKING THE LAW WITH THIS SITUATION IF THEY FEEL THIS COMFORTABLE DOING IT TO ME. 

I HAVE TRIED AND THEY CONTINUE TO DO THE SAME THING OVER & OVER & OVER AGAIN ... .THIS LOAN IS ALMOST 11 YEARS OLD .... XXXX 2007 THEY ARE BREAKING THE LAW, IF IT WAS ME I WOULD BE IN JAIL ... ..

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 2023-05-17
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Checkr, Inc
State: SC
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:
It shows on my motor report history as if my license is suspended because of XXXX use ... when in fact that's only my cdl permit that was suspended not my regular drivers license and that's only because I refused to take a test. That has nothing to do with my regular drivers license and nothing to do with my driving history as it had nothing to do with me driving and it's affecting me being on uber.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: STATE FARM BANK, FSB
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:
Good Day, I am XXXX XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items.

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hundreds of letters have been sent to these creditors. Over 15 letters sent thru CFPB. Now all 3 credit bureaus have requested the Equifax Security Breach paperwork and a recent police report, see attached. All are NOT MY DEBT! Weve asked dozens of times for an application with my signature. Weve asked where were they opened ... .online is all Im told. Thats it. All they say is its verified cause we know my name address d.o.b. and social. But refuse to send or give us any further info. Please remove from my credit as these debts are stopping me from moving forward, and this debt has never ever been mine. Im sending letters now 3 yrs. I was involved with the Equifax security Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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 requested debt validation on XX/XX/XXXX from the 3 major credit reporting agencies : XXXX, Experian And XXXX. On XX/XX/XXXX, I requested the method of verification and did not receive a response from either of the three credit reporting agencies. I sent a second letter to all three credit reporting agencies on XX/XX/XXXX. As of date, I have not received any communication from either of the three credit reporting agencies.

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 2023-05-04
Company: Experian Information Solutions Inc.
State: GA
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$10000.00} 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 2021-04-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian continues to show an inaccurate public record - Chap XXXX Bankruptcy on my credit report. Experian claims they are getting this data from XXXX XXXX and asked me to contact them. I did and after investigation, XXXX XXXX removed this entry from my file. However, Experian continues to report this entry despite numerous disputes. I have contacted XXXX XXXX and they informed me that they have notified Experian regarding the update to my file but that they can not control what is being shown by 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 2023-02-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
violation of FCRA VIOLATION OF XXXX XXXX COMPLIANCE i requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS- # XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED.0

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is an obvious scam, in concert with other scam artists. I submitted a complaint on XX/XX/20 about XXXX XXXX putting a fraudulent collection put on my XXXX credit report for {$1200.00}. Complaint # XXXX. I maintained that XXXX XXXX a false address for me and posted fraudulent collection account after I had informed them via telephone ( them calling me ) that it was not my debt, I did not have an XXXX XXXX XXXX account, and that I was not behind in ANY bill to ANYONE, and to stop calling me. They stopped calling, then entered this bogus info on my credit report. I enlisted the aid of CFPB and the collection was withdrawn. They also manipulated XXXX XXXX rules to make it more difficult for me to remove incorrect info from my report. In their resolution letter, they provided a bogus phone # for XXXX XXXX XXXX, and said that they requested deletion from credit reporting. Then they apparently sold the fake debt or transferred it to their crooked cronies at Credence Resource Management, who then entered a fraudulent collection account on my XXXX report on XX/XX/20 in the amount of {$1200.00}. Since the dollar amounts are one dollar different, does that mean nobody will realize their scam? When are we in the USA going to actually STOP these scammers, instead of coddling them and giving them a slap on the wrist as long as they say nice things? XXXX XXXX XXXX is closing a credit card account based partly on this negative entry on my XXXX  report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: REGIONS FINANCIAL CORPORATION
State: LA
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 was NEVER late on this account in XXXX i have no idea why they put this on my credit report but i have tried to get them to correct it and its XXXX and they have not fixed it yet.

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 2023-05-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXXXXXX XXXX ....

Company response to consumer: Closed with non-monetary relief