BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had fraudulent charges made on my debit card. It is a joint account from Chase that I have with my husband who I am separated with. I had not yet closed the account and he had his card information stolen. The card had several fraudulent transactions made adding up to {$1000.00}. The charges were made between XX/XX/XXXX and XX/XX/2018. When I realized the transactions were not from him I went to the bank and had his card canceled. The bank made a dispute and I was refunded for the transactions on XX/XX/XXXX. Then on XX/XX/XXXX I was shocked to see that they denied the claim and charged me again for all XXXX transactions. I tried calling to figure out what happened and they said I had not reported it soon enough and there was nothing I could do to get my money back. Then I went into the bank and talked to a banker who gave me a number to escalate the claim. I went through this process and in the end they wanted to call him and ask him some questions. That never happened. Then I went into another Chase and stayed there while a banker tried to help my figure out what happened. I said clearly it is fraud. All of these transactions were made in XXXX XXXX and the actual card is with him in Texas where he is making transactions on the exact same days. How can he be in two places at once. They said he would need proof of him being in Texas those days and that the transactions made were not enough proof. So we sent in his school enrollment. They said that was not sufficient proof of where he was and that they would need a time stamp in order to reopen the case. His school does not have time stamps and he is not working there. They also said a cell phone bill with locations of his whereabouts would not be sufficient proof. I am sick of getting the run around and just want to get my own money back as Chase bank states they refund under fraud protection. I have been trying to close this bank account with my soon to be ex husband but I cant close it until this case has rightfully been refunded. 
I am making this complaint by myself because it was my personal money that was stolen out of the account and even though the fraud was from my ex husbands debit card, he is not helpful in helping it get refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Netspend Corporation
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was given a prepaid Netspend debit card as a gift. I have never been able to activate or use the card but have been told my balance is now less because of inactivity fees. They are literally stealing my money from me. When I call customer service, they just keep me going in circles with the automated activation system which then sends me to a representative and then starts again.

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 2018-06-14
Company: Aargon Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt does not belong to me. Contact with company yielded negative results .Would like it removed from 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 2018-06-12
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been trying to work with XXXX to rehabilitate my student loans. They are staying my loan payments will be XXXX a month. I am XXXX years old widow and on a fixed income. They are not willing to work with me on a payment arrangement and are threatening to put a lien on my home. I have received up to 3 letters in one day threatening suit and legal action if I do not respond quickly. They call multiple times a day as well. I have health issues and this is creating enormous strain on my emotional health. Can something not be done to stop the bullying by debt collectors? I am willing to pay what I can afford.

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 2021-07-20
Company: GOLDMAN SACHS BANK USA
State: NC
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 took the loan for {$9000.00} out in XX/XX/2018. I paid all but the last two payments. I contacted them during the first of the Covid pandemic. Explained I wasnt working and not eligible for unemployment. I tried to pay the balance off with a credit card but they stated their policy wouldnt allow me to do that. I told them I couldnt pay the balance due to XXXX  until I was able to work again ( I did personally have XXXX  ). They wouldnt work with me. I never missed a payment. I was always on time. I feel they should have worked with me. I have every intention of paying them. My credit score went from good to poor because of their actions. I also had a credit card company drop me because of this. I was under the impression that XXXX  was treated with a different policy. I dont feel I deserved their actions to my credit report. I would like to dispute their conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: JPMORGAN CHASE & CO.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2015 {$820.00} Ive tried serval times to dispute this because it was an unauthorized & I have no knowledge on where this account comes from I tried calling and nobody can tell me where this acount came from this was open fraudulently under the FCRA its disclosed that an unauthorized account be removed immediately Im un aware of this credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, 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 XXXX has been reporting late payments since XX/XX/2020. My car was totaled last year in XX/XX/2020 and the insurance company sent XXXX XXXX a check. I was unaware there was a balance due on my loan. Nobody from the company has contacted me nor sent me anything in the mail about the remaining balance. This account is reporting open when this account should be closed or either charge off. It is my right to have an accurate credit file and errors like this are detrimental to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
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:
Credit acceptance has been reporting late payments since XX/XX/2020. My car was totaled last year in XX/XX/2020 and the insurance company sent Credit Acceptance a check. I was unaware there was a balance due on my loan. Nobody from the company has contacted me nor sent me anything in the mail about the remaining balance. This account is reporting open when this account should be closed or either charge off. It is my right to have an accurate credit file and errors like this are detrimental to my financial well-being.

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 2018-12-27
Company: JPMORGAN CHASE & CO.
State: DE
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:
I applied for he XXXX Visa Credit Card because it advertised a {$200.00} credit towards your fist purchase of a ticket as well as XXXX points after spending {$1000.00} in the first 3 months. I was in process of booking a flight when I saw the promo and so applied for the credit card and was approved. I used the credit card immediately for a ticket that day but didn't receive a {$200.00} credit towards the ticket as advertised/ Afterwards I found out they wouldn't give it to until after 90 days and would be a statement credit. I paid towards the ticket, of course received finance charges waiting for the credit. Which is deceiving customers. in addition, I spent the {$1000.00} quite quickly and well before the 3 months was up and yet to have received the XXXX in points that was advertised. When I called they stated I would get it next billing statement and then the next time told me XX/XX/XXXX, I still didn't receive and now when I call them, they tell me that I am not going to get it at all now stating that it is either {$200.00} credit or points not both but this was not what was advertised, FALSE ADVERTISING and clearly XXXX is worth much more than {$200.00} and the promo was for both. This bank needs to be investigated for FRAUD. They trick you into applying and then don't give you what was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
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: Information is incorrect

Complaint:
Paid the owed amount in XXXX after being told by a representative from Bank of America that it would remove the account from XXXX  XXXX  in 3 months. Disputed XXXX through XXXX  XXXX  because they didn't even report it was paid nor remove it. Have spoke with Bank of America fraud department in XXXX and was told very rudely that they can remove it but have every right to leave it on there for 7 years. They still have not removed. Now as of today XX/XX/XXXX, I have been told by a representative in collections that it would be the fraud department that would have to remove it and transferred me. Now on the phone with the fraud department and get told they can not remove it and I requested to speak to a supervisor. This is ridiculous when I paid my debt to make things right. They need to remove this. It has caused me so much stress and headache. This is not how you do business. Any other Bank would have removed it once paid and here I am going on 5 years of not being able to get a bank account and fixing to start a job that pays by direct deposit.

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 2020-05-10
Company: EQUIFAX, INC.
State: AZ
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 found out end of last year when I tried applying for a car loan that a XXXX XXXX credit card account was created in my name in XX/XX/XXXX and it has a {$16000.00} balance on it. The history shows OK payments up to XX/XX/XXXX and there is a credit limit of {$4200.00} ( Way less than $ XXXX ). I have not been watching my credit up to now so I was unaware of this and I have not been informed of this debt against me. It shows the account was written off because they were unable to collect on the debt. The account is also showing against an Arizona address where I have never lived at so I disputed this as being fraud by whoever is living at that address. XXXX XXXX responded to my dispute with a letter saying that the information provided shows no evidence of fraud and they are not taking any action. That doesn't make any sense. It seems XXXX XXXX is intentionally ignoring the evidence they already have in their possession. No additional evidence is needed. I did not apply for this account so obviously the owner of the house stole my identity. XXXX XXXX is not attempting to collect from that address. XXXX XXXX XXXX  is intentionally committing fraud by placing an fraudulent account on my credit that doesn't belong to me and intentionally hurting my credit. I have not applied for much credit in my life but because of my low score, I have a hard time applying for credit now. I have a rights by the Fair Credit Reporting Act. How does someone manage to get {$16000.00} out of a credit card account with only a {$4200.00} credit limit and using my information when I barely have any background of credit at all? The attached file shows clips of the owner of the property and details linking the debt to that address. Information was gathered from my XXXX  credit report and from the XXXX Assessors website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: JPMORGAN CHASE & CO.
State: MA
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:
Over the past year or more!! I have been trying to get XXXX to remove due to false information of mortgage accounts that is fraud with many complaints some on this site. Now in light of this recent case SUPREME COURT OF THE UNITED STATES No. XXXX XXXX  LLC, PETITIONER v. SERGIO L. RAMIREZ ON WRIT OF CERTIORARI TO THE UNITED STATES COURT OF etc.. I am requesting that XXXX XXXX Remove from my credit reports as well as inform XXXX  and XXXX  this fraudulent account to improve my credit scores and increase accuracy of it s reporting to avoid my having to sue XXXX XXXX for false reporting. Please see the attached showing that Chase Bank does not have standing and never had any rights to bill me for the 32 yrs it has been collecting on this fraudulent account. This is in addition to the document experts proof affidavit already in XXXX XXXX records I already furnished them with previously stating my signature is forged and etc ... I want this fraudulent account report removed immediately. XXXX XXXX is hidden but the attached shows the mortgage was sold to XXXX XXXX then FDIC then JP Morgan Chase Bank, this means that since it was sold the " debt '' is no longer secured and no standing to foreclose or collect on it. see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
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:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I wrote XXXX, TransUnion and XXXX to requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from any of the credit bureaus or any acknowledgment that an investigation has begun. All letters were sent certified mail. Its going on five months and I have yet to receive a response.

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 2018-04-26
Company: CAVALRY INVESTMENTS, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I seen where I had a collection on my credit report with Calvary portfolio. I disputed through the credit reporting agencies and all I was sent from Calvary portfolio was a debt settlement offer. I requested validation of this debt numerous times and even filed a compliant with the XXXX  and Calvary portfolio comes back with the same reply that they validated and sent to my home address. The ONLY thing I have ever received from them was a debt settlement and that was in XX/XX/XXXX. I have not reviewed any type of debt validation from this company and this has been ongoing since XX/XX/XXXX. That is 4 months and still nothing showing what the debt is for, is it my debt, when and who the bought the debt from. Every compliant comes back that they previously validated. I am an honest person and I would not say I hadnt received anything if I had received something. This is a violation of my rights. A debt collector has 30 days to provide validation of an account that is being disputed. I want this removed from my credit reports and not to be sold to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Lendmark Financial Services
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am continuously and repeatedly receiving collection calls for a debt that is not legally mine. The collector/caller/creditor, XXXX, with Lendmark Financial has suddenly took it upon himself to call my place of employment on XX/XX/2018 at XXXX. The call is recorded along with the voicemail. I have spoken with XXXX before and advised him to not call me regarding a debt that is not legally mine. He has alternatively called me from private numbers, and from other non- business numbers. This is harassment. This is not my debt. This debt legally belongs to my living relatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hi Im checking my credit score and report and came across an unauthorized credit check from XXXX. The report was submitted on XX/XX/2018. I have no clue about this request and never made any request for an automobile.

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 2018-04-26
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Diversified Consultants Inc has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 found out end of last year when I tried applying for a car loan that a XXXX XXXX credit card account was created in my name in XX/XX/XXXX and it has a {$16000.00} balance on it. The history shows OK payments up to XX/XX/XXXX and there is a credit limit of {$4200.00} ( Way less than $ XXXX ). I have not been watching my credit up to now so I was unaware of this and I have not been informed of this debt against me. It shows the account was written off because they were unable to collect on the debt. The account is also showing against an Arizona address where I have never lived at so I disputed this as being fraud by whoever is living at that address. XXXX XXXX responded to my dispute with a letter saying that the information provided shows no evidence of fraud and they are not taking any action. That doesn't make any sense. It seems XXXX XXXX is intentionally ignoring the evidence they already have in their possession. No additional evidence is needed. I did not apply for this account so obviously the owner of the house stole my identity. XXXX XXXX is not attempting to collect from that address. XXXX XXXX Bank is intentionally committing fraud by placing an fraudulent account on my credit that doesn't belong to me and intentionally hurting my credit. I have not applied for much credit in my life but because of my low score, I have a hard time applying for credit now. I have a rights by the Fair Credit Reporting Act. How does someone manage to get {$16000.00} out of a credit card account with only a {$4200.00} credit limit and using my information when I barely have any background of credit at all? The attached file shows clips of the owner of the property and details linking the debt to that address. Information was gathered from my XXXX  credit report and from the XXXX Assessors website.

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 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
After reviewing my credit file I noticed that XXXX is reporting a paid medical bill however I have found out that this utility bill is a result of identity theft. I have enclosed my FTC Identity Theft Report, police report, proof of my identity and a copy of my credit report showing the fraudulent items. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.

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