BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-09
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2018, I was in contact with Chase Banks. I did not create an account with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In XXXX XXXX, my wallet was stolen while I was visiting my grandmother in XXXX, TN. I noticed fraudulent charges on my XXXX XXXX XXXX even though the card was PIN protected. I immediately reported this to XXXX XXXX. They assured me that they would get this resolved and I was advised by the service representative to not make any payments - until I received confirmation via mail that the charges had been cleared. I never received any sort of confirmation and it is now XXXX. In lieu of the confirmation, I did receive two late charges of increasing value ( I was able to get the first one waived ). In addition to these fantastic gifts from XXXX XXXX, I also began to receive phone calls from their debt collection department saying that my account was delinquent. Last week, I explained in detail to the collections representative ( XXXX ) the aforementioned series of events, and I informed her that I have no issue paying my debt - so long as XXXX XXXX did not report my account as delinquent to the credit bureaus. She agreed to note that in my account details, and said that - as long as I paid the payments for XXXX and XXXX XXXX ( totaling {$160.00} ) - my account would be in good standing and not to worry. Well I paid {$200.00} ( Im no mathematician, but Im pretty sure thats {$39.00} more than my overdue balance ). Okay great, so thats the end of that right? WRONG. I log into my credit reports this morning, XXXX XXXX XXXX, and notice that my credit scores had dropped by XXXX and XXXX points since XXXX XXXX XXXX. After some investigation as to why this has happened, I discovered that XXXX XXXX has listed my XXXX as XXXX days overdue. I call XXXX XXXX   again with two directives - waive this usurious late charge and correct the status of my account. After many transfers and long holds, the service representative ( XXXX ) advised me that theres no account notes, nothing she nor her supervisor can do, and to contact the dispute department when they open on Monday. Im nonplussed honestly. I went from having good credit to poor - right before I plan to move across country, and get an apartment. How am I supposed to do that now with poor credit? In addition to all of this, I cant even see my account balance. When I go to check it online, it just shows XXXX XXXX XXXX [ **** ] . paydown to {$0.00}.!! DO NOT DO BUSINESS WITH 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 2019-08-28
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my auto loan with TD AutoFinance in XX/XX/2019. They did not send the title documents then. I contacted them on XX/XX/2019 to get the title documents. They told me that they would overnight the title documents to me and that I should have them by XX/XX/2019. On XX/XX/2019 I contacted them again to find out where the documents were. They told me that XXXX wouldn't deliver to my address. Note, XXXX regularly delivers packages to my address. They did not contact me and did not deliver my documents. I called again on XX/XX/2019, they still had not mailed or used XXXX to deliver my documents. They did not know how long it would take to send my documents. 

They told me that they were very busy and my information was " in line ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28
Company: EQUIFAX, INC.
State: PA
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi, Chase closed all my credit card accounts citing too many new accounts : 1 ) I closed several accounts so the absolute number went down compared to 6 month ago 2 ) Chase just approved 2 credit card accounts and now they complain I have to many accounts ( they caused this problem )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29
Company: Premier Student Loan Center
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Was contacted by Premier Student Loan Center by phone on or around XX/XX/2018 stating they were able to provide a simple payment plan for me of {$230.00} for five months then payment plans of {$40.00} until full student loan was paid off. 

First debit of {$230.00} was taken out of my checking account ( via debit card ) on XX/XX/2018. Payments made on XX/XX/2018, XX/XX/2018, XX/XX/2018 and the last payment of {$230.00} was taken out ( via debit card ) on XX/XX/2018. 

First debit of {$40.00} was taken out of my checking ( via debit card ) on XX/XX/2018. Payments made on XX/XX/2018, XXXXXX/XX/2018 and the last payment of {$40.00} was made XX/XX/2018. 

I realized that Premier Student Loan Center was not in any way connected with the Federal Loan Department and stopped payment from Premier Student Loan Center and changed my debit card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i had my credit ran and i see a collection from hp sears i do not owe hp sears or do i have a contract with hp sears i request hp sears to delete this collection from my credit report. if not i will have to sue in small claims court. delete now not mine

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 2021-08-19
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent a letter to CARTER YOUNG, INC about a alleged debt of XXXX that i don't owe.i sent it off usps certified mail w/tracking XXXX XXXX XXXX XXXX XXXX and it was delivered on XX/XX/2021. i have not heard from them concerning the documentation that i requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
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:
I was charged {$100.00} for recovery of my contents in safe deposit box # XXXX by Chase Bank # XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 
Date : XX/XX/XXXX Contact : XXXX XXXX Contents were scheduled for pick up on XX/XX/XXXX but contents were never provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-07
Company: Avant Credit Corporation
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
OnXX/XX/2015, I took out a loan with Avant for {$1700.00} with APR at 35.96 %. Total amount to be repaid is {$2800.00} with the monthly payment being {$77.00}.

I have made 42 Payments for a total of {$3000.00} over the last 36 months and I still owe {$260.00} on the loan. That is a total of {$3300.00} which is much higher than the amount originally defined in the loan terms.

XXXX ( Where I reside ) state law states that there will be no interest rate higher than 24 %. Even though I reside in XXXX, there is one line in the fine print of the contract for this loan that states that " Except to the extent, if any, prohibited by applicable law, this Note and all controversies relating to this Note are governed by federal law and, to the extent state law applies, the law of the State of XXXX. ". Because of this line, they are allowed to set any interest rate they desire as XXXX has no ceiling for their APR legally.

Even though the APR is high, I still owe more money than expected for some reason. We have attempted to work with the company several times but they WILL NOT offer any specific explanation of where the extra money we owe came from. The most they will say is that it is due to the " interest charges '' and if we want to stop accruing interest at a daily rate, we need to pay off the remaining amount of the loan ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Strategic Alliances, Inc.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received mail from FIRST FINANCIAL ASSEST MGMT, INC on XX/XX/2021. 
FIRST FINANCIAL ASSEST MGMT, INC stated I owed an alleged debt. 
In this letter it was NEVER STATED I HAD THE RIGHT TO DISPUTE WITHIN 30 DAYS Pursuant To Title 15 U.S. Code 1692g ( a ( 3 ) FIRST FINANCIAL ASSEST MGMT, INC never stated I HAD A RIGHT TO HAVE VERIFICATION/JUDGMENT MAILED TO CONSUMER Pursuant To Title 15 U.S. Code 1692g ( a ) ( 4 ) Also also FIRST FINANCIAL ASSEST MGMT, INC never stated THEY WOULD PROVIDE NAME & ADDRESS OF ORIGINAL CREDITOR IF DIFFERENT FROM CURRENT CREDITOR Pursuant to Title 15 U.S. Code 1692g ( a ) ( 5 ) Also FIRST FINANCIAL ASSEST MGMT, INC says this alleged debt is owed to XXXX XXXX Stating that is false and misleading representation Pursuant to Title 15 U.S. Code 1692e ( 2 ) FIRST FINANCIAL ASSEST MGMT, INC HAS VIOLATED MY CONSUMER RIGHTS ACCORDING TO FEDERAL LAW! 
FIRST FINANCIAL ASSEST MGMT, INC Is XXXX  XXXX & XXXX ACCORDING TO FEDERAL LAW AND Title 15 U.S. Code 1692k.

Title 15 U.S. Code 1692k a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PHOENIX FINANCIAL SERVICES LLC XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX has been sending me collection notices in the amount of {$1400.00} the collection has been reported past due balance. I do not know this company and I have Never done any business with this company. This company does not have a contract with my signature on it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get 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 explanation
Consumer complaint received 2018-02-07
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX/XXXX XXXX XXXXXXXX is reporting that I have filed bankruptcy and defaulted on a credit card with them in XX/XX/XXXX, Experian is reporting this information. They are also stating that the account was closed in XX/XX/XXXX. This information is incorrect and harmful to my credit. I filed chapter XXXX bankruptcy in XX/XX/XXXX,  this creditor was included in the filing and all was discharged in 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 non-monetary relief
Consumer complaint received 2022-07-05
Company: GOLDMAN SACHS BANK USA
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My phone was stolen on XX/XX/XXXX. XX/XX/XXXX my XXXX account was hacked. I started receiving alerts from XXXX, XXXX XXXX and XXXX all of which I closed down. On Friday XX/XX/XXXX an apple credit card was delivered to my XXXX XXXX address linked to my apple account. I called Goldman Sachs the card issuer immediately. They stated an apple credit card had been opened with a limit of {$8000.00} and already maxed out. The card started being used immediately after opening by digital card- first Attempt XX/XX/27 {$5000.00} at XXXX XXXX declined. 2nd attempt of {$5000.00} successful. XXXX XXXX {$520.00} successful, XXXX {$500.00} successful. XXXX XXXXXXXX XXXX, Im assuming gas, {$75.00} successful ; XXXX  {$53.00} Declined, second attempt successful ; XXXX XXXX {$9.00} successful, followed by 3 declined {$25.00}, XXXX XXXX XXXX.00} successful; XXXX XXXX XXXX {$49.00}. They attempted to make a payment of {$5000.00} from my checking and routing account however it was denied because of insufficient funds. I learned of them attempting this by contacting my bank so I shut down this account and opened a new checking. XXXXXXXX XXXX- {$100.00} XXXX XXXX XXXX XXXX {$290.00} successful ; XXXX XXXX XXXX {$1300.00} successful ; attempted payment from my checking account {$1000.00} declined, XXXX {$76.00} declined, attempted payment from checking of {$5000.00} combined. I froze the card on XX/XX/XXXX when The physical card was delivered making me aware of the activity. When I was able to access my XXXX account on XXXX I was able to see all transactions with physical locations and amounts. I also saw multiple screenshots of my personal information from various different places on my XXXX pictures, files, links from emails. Pictures included copies of Drivers license of my mom and self, tax returns for my parents and myself including social security numbers, temporary car insurance card, moms previous debit card numbers, my XXXX login information, my Texas voting card application, my current and previous lease application, a copy of my social security card, and XXXX XXXXoan tax forms. The cards balance is {$8000.00}. The opening and application of this card and all charges placed are the result of fraud and not done by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19
Company: Experian Information Solutions Inc.
State: CO
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:
Experian keep allowing XXXX collections to report false information even though I sent them proof several times they're in violation of the Fair Credit Reporting. Does not show on XXXX or 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 2018-06-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have home owners insurance through XXXX XXXX XXXX XXXX, issued by XXXX XXXX XXXX of the XXXX. On XX/XX/XXXX, I paid the annual premium of {$930.00} through my credit card. Days later, Wells Fargo paid the premium as well due to a misunderstanding regarding my escrow account. I called Wells Fargo and they said they could not retract the payment and I had to call the insurance company. I called the insurance company and they said they'll send me a check for {$930.00}. As of XX/XX/XXXX, I still have not received the check despite calling the insurance company to follow up several times. I also have called Wells Fargo several times and they just refer me to the insurance company. The insurance company insists on sending the check via US mail without tracking information. It should not take over 3 months for me to get my money back. Please help!

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 2018-06-07
Company: EQUIFAX, 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 recently received my credit report from Equifax and notice various inaccurate accounts listed in the hard inquires section. As listed, these are the following allegations that were reported. XXXX XXXXXXXX XXXX XXXX  XXXX ( XX/XX/2017 ), XXXX XXXX ( XX/XX/2017 ), XXXX XXXX XXXX ( XX/XX/2017 ), XXXX XXXX, XXXX ( XX/XX/2017 ), XXXX ( XX/XX/2017 ), and XXXXXXXX XXXX ( XX/XX/2017 ). All the following hard inquires were not authorized by me and I not consent to these companies to use my personal information. I have tried many times to resolve this issue with by phone but never a successful outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX, Experian and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports 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 explanation
Consumer complaint received 2019-01-23
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
On XX/XX/18, I sent LVNV Funding a written notice of dispute and request for validation of a debt that is being reported as an unpaid collection account on my credit report. Original creditor account number XXXX. As is required by both the FDCPA, the FCRA, and the FCCPA, upon receipt of a dispute and request for validation of debt, the reporting entity is required to conduct an investigation of the dispute, and respond to the consumer within 30 days. As of XX/XX/18, I had not received a response to by dispute or request for validation from LVNV Funding. On XX/XX/18, I sent a follow up letter to LVNV Funding, advising them that they had not responded to my XX/XX/18 dispute and request for validation. It has now been more than thirty days since my second letter, and LVNV Funding has still failed to notify me of the results of their investigation, or to send me written validation of the debt. According the the FDCPA and the FCRA, LVNV Funding must now cease collection activity, and delete the entry from my credit report. I am requesting written confirmation from LVNV Funding that the item has been deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
please remove my hard inquires as your customer Service was very rude and not professional and would not help me to remove the inquiries 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

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 2019-02-18
Company: WELLS FARGO & COMPANY
State: NJ
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:
On XX/XX/XXXX I contacted Wells Fargo and spoke to customer care providing my name and purpose for the call and proceeded to request the finance department about a unauthorized inquiry on my report dated for XX/XX/XXXX. 

Well Fargo was unable to present me with a application of consent or any information about the inquiry.

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 2017-12-07
Company: Patrick K Willis Company Inc
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/XXXX I have asked this company to stop contacting me and gave them a verbal cease and desist. They broke this cease and desist on today XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation