BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase Bank ( www.chase.com ) website states that the card I am applying for has 0 % for purchases and balance transfers for 1 year. But when I received my card and statement that was not the case. 

I did get 0 % on purchases but for balance transfers it is 21.49 % and not the 0 % that was advertised. 

Here is the link to their website stating the 0 % https : //creditcards.chase.comXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My daughter signed a lease for a rental agreement in XXXX with this company XXXX, I originally co-signed in XXXX, however I did not co-sign the second term contract. My daughter decided to move by the third term because of the XXXX in the complex and found another person to take over her lease. They signed the contract and the lease office refunded my daughter her deposit and took the key. The new tenant fell through with the lease and XXXX has came back and charged my daughter and myself for the months of rent loss that year. I did not sign a contract for this lease term.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/19 I refinanced my auto loan with a new credit union and had the 10 day payoff amount, and they distributed a check for the full amount of my auto loan {$44000.00} to Wells Fargo. After a few collections calls from Wells Fargo demanding a payment I started to research what was happening. XXXX XXXX confirmed they distributed the funds XX/XX/19 and began an investigation with both XXXX XXXX and Wells Fargo. On XX/XX/19 Wells Fargo informed me that if I didn't make a payment that day, they were going to report a late payment on my credit report. So I reluctantly made a payment of {$710.00}. 
On XX/XX/19, XXXX XXXX informed me as they were going to cancel the original check and write a new one, Wells Fargo told him " we found it, no need to do that '' and the account was satisfied. 
Upon receiving my refund check for the one payment I made for {$490.00} charging me interest while they held the check. I called and complained and demanded the {$220.00} to Wells Fargo, they opened an investigation and I was informed they weren't going to do any more actions.

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 2023-08-19
Company: Upgrade, Inc.
State: CA
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:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under 15 US 1666 ( b ) a creditor may treat a payment on a credit card account under an open and consumer plan as late for any purpose. 


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Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance on my loan with Nationstar mortage. I have great credit and have been paying mortgage since 2009. I applied for a refinance and they kept telling how great my credit and loan was going but they kept asking for more ridiculous stuff. They wanted to know why my empty lot didnt have insurance. I am divorced and they wanted information on properties that were my exhusbands. There are no loans on those properties. He hasnt taken my name off his properties. They called the bank that has a loan on my ex property but my name is still on it 3 times.They kept asking for the balance and whether he has late on the account for last year. I have a saving account that has other savings under it. I keep most of my money in one of those. They said they needed proof that it was a savings account and not a loan. I sent them bank statements but that isnt enough.They changed what the cost of this loan would be from XXXX to almost XXXX.. They changed the loan amount of the loan by increasing it XXXX more and they said that was the true loan amount. It was supposed to be for {$140000.00} and they made it for XXXX. I complained to the loan officer and he changed it after much discussion. I had an escrow account for taxes and insurance with them and they said they needed to add the total fees to my loan costs and they couldnt use what was in my escrow account which is for that. They said I had to pay them the cost of mortgage for month of XXXX while we completed the loan because I would miss a house payment. I told them Im paying off my old loan and the new loan will have payments on it that are required. I didnt understand why except that they wanted money from me. Usually you dont pay rent while in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

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 2021-07-16
Company: Affirm Holdings, Inc
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am trying to refinance my home. The lender pulled my credit report and advised that I had six Affirm Inc accounts that were not paid, then paid, and closed. I have never opened these accounts nor received any services from this company ever in my life. It is messing up my credit score, and I need it to be removed because I have never opened these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: SYNCHRONY FINANCIAL
State: DE
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-10-29
Company: Experian Information Solutions Inc.
State: WA
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2018-07-23
Company: JPMORGAN CHASE & CO.
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:
XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX DATE : XX/XX/XXXX CHASE CARDMEMBER SERVICE XXXX. XXXX XXXX XXXX, DE, XXXX Attention : Legal Department To Whom It May Concern : This letter is in response to your letter for account : XXXX You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred.

Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate. 
As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a detailed description of all actions you have undertaken in acting on this request. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Im horrified by the lack of good information to help customers of Navient. They purposely lower payments to the interest payment amount t in order to have a forveverloan. Ive called several times over the years to get help due to financial issues and hardships after each childs birth. I return to paying like normal after each time. However, I asked what they could do and they read back the lowest payment was the total monthly interest total! I said isnt that my interest payment total? They state each time yes were able to help you lower your payment though. They purposely lead borrowers to have a forever payment. They do not tell you Ill be paying nothing into principle. ( mind you - you should know your payments information ) This is deceitful and should not be tolerated. I took this opportunity while working two full time jobs to get my degree and get a good job. I know there are millions of people who are trusting Navient to have their best interest at heart. This disgusts me! They are loan sharks. Please look into this as they are not practicing ethical behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$140.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2018-07-23
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: Investigation took more than 30 days

Complaint:
This letter is in response to your letter on XX/XX/2017 related to the debt referenced above. I have settled this debt and paid it in full. However, since this was done over 3 years after the property in question was short sold, paying off this debt has restarted the clock as to when the last action on the property took place to when the debt was paid.

I have paid this debt in full, and it has severely damaged my credit, and took away my ability to buy a house. I am requesting that you delete this account, since it is no longer open, and is paid in full, it will not harm you to now delete this item.

According to The XXXX letter reporting a derogatory account IS a collection activity, and after the debt is settled ALL collection activities must cease.

Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below.

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary.

Furthermore, you have the ability to change the listing since you are the information furnisher.

Please forward your agreement to the address listed above. You have 10 days to respond to this letter. I will be in contact with you to resolve this matter ASAP!

I was tricked into paying off this account but the companies council. This was only months before attempting to obtain a mortgage, this showing on my credit report as recently paid did extensive damage to my credit worthiness. This account was well passed the SOL period where it should be affecting 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 2020-08-12
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have had to hire several credit repair and spend over XXXX with companies within the last twenty four months. This was to request to have old items removed given that they are past the Statue of  Limitation. These items are holding me XXXX for a better life for myself and my Family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Franklin Collection Service, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
For some reason this company just randomly showed up on my credit reports in XX/XX/2019 claiming I owe a debt without sending me proper validation for the debt they claim I owed. I have mailed this company a letter to validate the debt on XX/XX/2019 and have not received any follow up correspondence from them assuming this collection was bogus. They continue to damage my credit reports and credit score by reporting this erroneous debt without sending me any information or validation I requested in writing from them. I have never received any letters or phones call from this company prior to reporting this debt to the credit bureaus. I also disputed this debt twice with the credit bureaus by certified mail on XX/XX/2019 and again on XX/XX/2019 with both disputes coming back as verified which is false. How was this debt verified with the bureaus but not with the consumer ( me ) like requested?!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
1. 
( XXXX XXXX ) account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

2. 
XXXXXXXX XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

3. 
XXXXXXXX XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

4. 
XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

5. 


XXXX XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed.

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 2018-07-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This letter is in response to your letter on XX/XX/2017 related to the debt referenced above. I have settled this debt and paid it in full. However, since this was done over 3 years after the property in question was short sold, paying off this debt has restarted the clock as to when the last action on the property took place to when the debt was paid. 
I have paid this debt in full, and it has severely damaged my credit, and took away my ability to buy a house. I am requesting that you delete this account, since it is no longer open, and is paid in full, it will not harm you to now delete this item. 
According to The XXXX letter reporting a derogatory account IS a collection activity, and after the debt is settled ALL collection activities must cease. 
Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 
I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. 
Furthermore, you have the ability to change the listing since you are the information furnisher. 
Please forward your agreement to the address listed above. You have 10 days to respond to this letter. I will be in contact with you to resolve this matter ASAP! 

I was tricked into paying off this account but the companies council. This was only months before attempting to obtain a mortgage, this showing on my credit report as recently paid did extensive damage to my credit worthiness. This account was well passed the SOL period where it should be affecting my credit report.

Company response to consumer: Closed with explanation