BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-27
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Chase Bank charged me {$66.00} in interest. This charged appeared on my XX/XX/2021 to XX/XX/2021 statement. I called them on XX/XX/2021 and asked why I was charged {$66.00} in interest. I told the representative that I always pay my balance in full every month. The representative was from outside the United States and could not or would not tell me exactly why Chase Bank charged me. I reapeated over an over this question and also tried asking in different ways why I was being charged. Over an over the representative could not or would not explain exactly why I was charged {$66.00}. 

I then just asked the representative to reverse this interest charge. He refused and said the bank has a policy to refuse request 's to waive interest. 

I am disputing this charge entirely. I pay my entire legitimate balance every month so I should not have any interest charges. 

Please investigate my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1.  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Square Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A company by the name of XXXX charged my card {$96.00} on XX/XX/XXXX. I notified cashapp about the charge went back and forth for about a month. So.I changed cards, I notified them to let them know that I could see each where this company is still trying to take money from the new card. They told me don't worry. On XX/XX/XXXX the same company took {$65.00} off my card.Now, I don't normally keep money on this card, but somehow this company keeps trying my card. I tried to look the company up, and Ive gotten no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Convergent Resources, 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 looked anatomy credit report and saw numerous problems with it. I disputed information that was incorrect and not mine and it came back as verified but was not validated. I never had an account with this creditor and I do not owe this debt. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

XXXX XXXX Opened XX/XX/XXXX {$590.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$7200.00}

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 explanation
Consumer complaint received 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1.  XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

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 2021-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Transunion, XXXX, and XXXX have furnished my consumer report to multiple persons without my express written consent as provided insection 1681g ( a ) ( 5 ) -aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer. 



XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Sales Financing : XX/XX/XXXX XXXX XXXX Bank : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX AF - XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Auto Dealers, New XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is computation error or similar in the XXXX-year payment history. Showing inaccurate reported for XXXX and XX/XX/2022 needs to be deleted as soon as possible. It has to be deleted to show XXXX % payment history. The account overall is positive and good standing. I am attaching supporting documents. FTC Report has been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: CURO Intermediate Holdings
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Ad astra recovery services is the company that bought the debt. They call me all the time instead of my lawyers they keep calling my father about the debt. Theyre abusing me and my family. My father has recorded 48 calls in one day about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020 Dovenmuehle I started the process of recasting my mortgage with Dovenmuehle Mortgage Company XX/XX/2020. They sent a letter with instructions and I complied. XX/XX/2020 they sent me a package to sign and have notarized. The fee for the recast was {$300.00}. They also charged a fee for an escrow fund of {$300.00}, which I do not have. The special loans department that handles this does not take phone calls or respond to emails. I can not contact the special loans department to fix these issues. No one can help me. It appears they are refusing to return the error they made of {$300.00} in their favor. I have contacted Dovenmuehle many times. They have a bull pen that you contact meaning each time I contact them I get a new rep so I have to start over with the issue each time. I always ask for a manager and get transferred to a manager and again I have to repeat the issue and they can not resolve it. Two times when I was on hold with the manager while they were trying to get information and they lost my call they did not try to contact me, I had to contact them again each time and start over with a new rep. I was told they were not allowed to contact a customer if a call was lost. They say they are sending the money for the error to me but, I never get an email, phone call, letter or the money regarding this. I was also told when I sent the money to put on my mortgage it would go to the special loans department. I have not signed any paperwork at this point. I found they put the money on my mortgage without my consent. They have not corrected the figures and did not send disclosures of fees etc. At this point I can not get any pertinent information. 
XX/XX/2020, They supposedly fixed the issue with the escrow fee. But now they claim I sent in a payment on XX/XX/XXXX and the bank returned the check. This did not happen. Here is the sequence of payments this year. 
I sent in regular payments on time of {$1100.00} on time XXXX, XXXX, XXXX. I recast my loan in XX/XX/2020. I sent in 2 payments of ; {$57000.00} and {$91000.00} totaling {$140000.00}. {$140000.00} went to the loan, {$300.00} was for the recast fee and {$1100.00} was for a payment. 
So I was a head on payments one month and I sent in payment for another month that covers XXXX and XXXX. 
Then I sent in payments XXXX and XXXX. There are no bad checks or returned checks. All payments were sent in properly. Yet they still want another fee of {$300.00} that they can not explain. They are the worse company I have dealt with. They will not let me talk to the loan department. They have made a simple recast a nightmare.. If I do not the unaccounted fee of {$300.00} they will hit my credit and send to debt collectors or worse. 

I can not change who services my loan. 
All of the above is completely unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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:
BANK OR AMERICA IS REPORTING ME ON XXXX XXXX XXXX XXXX AS ATTEMPTING TO TRASACT AN ACCOUNT IN AN UNAUTHORIZED OR PROHIBITED MANOR SPOKE WITH XXXX SAID I OWE XXXX AND SENT ME A LETTER SAYING SHE COULD N'T HELP ME AND I CA N'T REOPEN A BANK ACCOUNT KNOW WHERE. I CALL THERE RECOVERY NUMBER SPOKE WITH XXXX  AND SHE SAID I DO N'T OWE ANY MONEY THE BALANCE WAS ADDED TO MY BANKRUPTCY. I ASK IT I CAN GET A LETTER SHOWING I DO N'T OWE NO FEE 'S IN IT WAS ADDED TO MY BANKRUPTCY SO I CAN CLEAR MY NAME WITH XXXX XXXX AND OPEN A BANK ACCOUNT I WAS TOLD NO. I FEEL BECAUSE I FILED BANKRUPTCY BANK OF AMERICA IS BLACK BALLING ME FROM OPENING AN ACCOUNT WITH ANY BANK ... PLEASE HELP ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: ONLINE Information Services, 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: Reporting company used your report improperly

Complaint:
I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish account # # # # # # XXXX And i DEMAND this account be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Kashia Services
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
To date, XX/XX/2021, Having paid {$1000.00} in payments for an emergency loan totaling {$500.00} during a global pandemic, I requested that Redwood Coast Finance stop taking automatic payments from my XXXX XXXX XXXX ( XXXX  ) bank account ending in XXXX for payments to my account number with your company XXXX. The company acknowledged my request but then threatened to report my file to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
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:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2021-06-29
Company: United Collection Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
UCB = United Collections Bureau I received a letter in XX/XX/XXXX that the debt collector United Collections Bureau, that has bought a debt from XXXX XXXXXXXX XXXX, closed my debt account after they did not adhere to the FCRA debt validation process. {$290.00} was taken out of bank account by XXXX XXXXXXXX XXXX without any written notification or phone calls. I previously verified the debt was owned by United Collections Bureau by mail. I did not receive any documentation by XXXX XXXX about the debt. 

My local XXXX XXXX branch banker sent me to someone else who I spoke to at XXXX today at the XXXX XXXX location in XXXX, OH. She said that I was scammed and didnt know what I was talking about. She refused to talk to the collections department she called about my concerns specifically reviewing the paperwork I brought from UCB verifying the account was closed. She would not look at it and advised me to just pay the money today. She gave me a non-working number for the collections department. She also said there was no one I could dispute the debt with. I attempted to called her office number and it was as for someone else. Im attaching all the paperwork. 

I need the money back because I have already settled the debt with UCB. Based on the FCRA laws and how I only received documentation about this debt. XXXX XXXX XXXX sold the debt to UCB without notifying me. When UCB notified me of my account with their debt collection being closed, I was informed in writing that they were no longer pursuing the debt. Documentation is attached. 

XXXX XXXXXXXX XXXX  would have had to repurchase the debt. XXXX XXXX banker merely stated that the debt was charged of to collections in XX/XX/XXXX. She did not provide any paperwork. I received the documentation from UCB in XX/XX/XXXX. I need for XXXX XXXXXXXX XXXX to explain when the debt for {$450.00} to their bank was repurchased by their bank. UCB needs to provide the original validated documentation. I have done my part and yet Im still be held responsible for a debt I am not obligated to pay.

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 2021-03-25
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan Depot LLC ( XXXX ) Loan XXXX XXXX XXXX XXXX # XXXX is violating ethics codes and committing fraud. He claims in his social media, lXXXX XXXX and verbally tells his customers he has a finance degree from XXXX XXXX XXXX XXXX. Representing himself as a very educated financial XXXX. In fact XXXX XXXX has never attended any secondary XXXX XXXX  This is a violations of lending ethics codes and is a blatant act of fraud against the consumers he services. Loan depot obviously did not perform a thorough background check. This man should be delicensed by XXXX so he can no longer prey on customers with fraudulent credentials.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received my first bill from Synchrony Bank regarding a store account on XX/XX/2020 ; the bill was dated XX/XX/2020. Two items were wrong : First, I had been charged a late fee of {$28.00}, and second, I had a past-due balance of {$97.00}. As this was the first bill, both items were clearly wrong. 

I called the bank 's customer service number to get the bank 's errors corrected. The late fee was waived ( as a courtesy ; those words were a bit insulting, since the error was the bank 's ), but I was advised nothing could be done to correct reporting of the past due amount other than to write a letter to the bank demanding a correction.

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 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
CFPB, you all are supposed to assist especially if the credit bureaus are not doing their jobs and I am not understanding. This is my 3rd time asking for assistance with my credit and no one is responding back to me nor investigating my disputes.. The below items does not belong to me and I am trying my best to try and buy me a house but this negative debt is hindering me. Can you all investigate these items and either provide proof of my signature or delete them. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1966

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 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ATTACHED INQUIRIES WERE REPORTED AS FRAUDULENT AND ALL 2 REPORTING BUREAUS REFUSE TO REMOVE THEM FROM MY CREDIT REPORT

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 2021-04-27
Company: JPMORGAN CHASE & CO.
State: CO
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:
I have had a credit card with Chase XXXX  since XXXX. They were to email me bills which they never did. I had a charge on my account that I paid the balance for when they contacted me. They said they would waive the late fee. I received another call from them at such time they said I owed a late fee on the late fee. I told them the first late fee was credited. They still never sent me any paper bills or emails for any balances owing. I was sent a notice a late fee was charged for {$28.00}. When I called them they were going to have a supervisor call me back, no one ever did. I closed the account at that time because I do not want to have any further association with this company. I received another letter XX/XX/XXXX that stated my account had been credited and I would see it reflected on my next statment. I then recevied another notice on XX/XX/XXXX that stated I owed {$61.00}. I called them XX/XX/XXXX and they said I now owe over {$200.00}. I feel like they are scamming me and I need someone to help me get this resolved. If I keep giving them money how can I make sure they won't keep asking for more?!

Company response to consumer: Closed with monetary relief