BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-18
Company: JPMORGAN CHASE & CO.
State: CA
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:
My credit card was lost or stolen while in XXXX, XXXX on XX/XX/21. I didn't realize it until XX/XX/21 at which time I called Chase that evening to report the card lost/stolen. They closed that card and issued me a new card. 

When I received my Chase statement dated XX/XX/XXXX, I discovered unauthorized charges on my account totaling about {$570.00}. I called Chase to report the unauthorized charges and they removed them from my bill. 

Upon receipt of my XX/XX/XXXX Chase statement, I discovered that Chase had added back the unauthorized charges to my account. They sent me no notice or letter. I contacted Chase recovery and they stated the unauthorized charges were made in a suburb of XXXX so they were considering the charges valid - basically calling me a liar. They told me I could provide more documentation and email it to XXXX. In the meantime, they said they would review it again. They did so and sent me a letter via the website stating the charges were still valid and they would not consider them unauthorized charges that could be removed from my bill. 

On XX/XX/XXXX, I emailed a detailed account of where each of the fraudulent charges were made and provided evidence I was not in those areas so could not have possibly made those charges. Within only one day, they sent me a letter via their website stating I had either " notified us that this transaction is valid '' or " had received a benefit from this transaction ''. Both statements were completely contrary to the email/evidence documentation I had provided. 

In summary, my card was lost/stolen, someone used my card to make unauthorized charges, and Chase is forcing me to pay for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received numerous calls from a Collection agency Credence ( credence.com ) XXXX or XXXX ( Ref # XXXX ). The first contact was last month XXXX XXXX, for medical services provided in XXXX XXXX. The Medical responsible party for this bill is the patient 's father. The collection agency has the correct mailing address, and insurance information for her father, but has my name and phone number ( and is insisting that I am responsible and will have my credit score hurt if I do not pay the bill ). I informed them that not only do they have the wrong name on the account, but that the legal responsible party is the father, per contractual terms of our divorce document. 
The collection agency first contacted me on XXXX XXXX, XXXX I spoke with supervisor XXXX XXXX. I informed him that he was contacting the wrong party and verified that they had the correct mailing and insurance information on file for the father. I also confirmed with the father that he had not received any prior contact nor any notification about an outstanding doctor 's bill. 
On XXXX XXXX, XXXX, after the father verified with XXXX XXXX XXXX that the deductible had been met, Credence collection agency resubmitted the medical claim to XXXX XXXX XXXX. Today XXXX XXXX, XXXX I received a call and spoke with supervisor, XXXX XXXX ( XXXX EST ) he informed me that the claim had been denied due to late filing. I again informed him that he was contacting the wrong party, and he should call the other name and number on the account, but insisted I am the only party, and my credit will be hurt, and more collection efforts to follow. I have reached out to the father to make him aware of this issue. His concern is that they waited so long to resubmit the claim and now insurance company is denying due to their neglect. 
Please help - I am worried that my credit score will be negatively impacted by their mishandling of the account information and delay claim submission. 
THANK YOU for your time and attention in this matter! 
Sincerely!

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 2015-10-03
Company: The CMI Group, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received two letters, of which I am aware, from the offices of credit management stating that I owe XXXX to XXXX XXXX . I live in Alabama and have never been a XXXX customer. The mail to address provided was XXXX XXXX XXXX XXXX, TX XXXX. 
I assumed the first letter was simply a scam as I have gotten scam debt collection letters before. When I got the second one I decided to take action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-02
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX Apartments have turned me over to a company called IQ Data saying I owe rent for the month of XXXX, 2015. My lease started in XXXX and ended in XXXX and I moved out XXXX XXXX, 2015. I had lights transferred and signed a new lease at my current address XXXX XXXX th, 2015. I turned in keys as well. I have emailed them all of this proof and they are still trying to collect and are adding interest. I had no legal obligation to them as of XXXX XXXX, 2015. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
XXXX2021 XXXX XXXX XXXX XXXX XXXX XXXX Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XXXX2021 Made with : Transunion

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 2016-09-06
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage servicer, XXXX XXXX XXXX, sold our mortgage to Shellpoint Mortgage Servicing in XXXX 2016. We sold our house at the end of XXXX. Our title company ( XXXX XXXX here in XXXX ) paid off the exact amount owed to Shellpoint to pay off the mortgage in full. We received a letter from Shellpoint in XXXX stating we had to provide proof of homeowner 's insurance. I called Shellpoint. The rep would not identify herself. She stated that we still owed about {$1600.00} on the mortgage to consider it paid off in full. I advised that we paid off the exact amount due and she stated we still had a mortgage and had to buy homeowner 's. Shellpoint has put a derogatory comment on my credit record and will not remove it. This of course will affect my ability to buy another home, car or any other large purchase. I believe BofA did not supply full information about our loan, including the payoff amount due. I have no idea why Shellpoint says we still owe money. I did not get an answer and ca n't get anyone to talk to me about explaining this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXXhas violated my rights. 
XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A States i have the right to privacy. 
15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information< other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-02-11
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a checking account and credit card with PNC bank. I have issues with both. 
The checking account has an overdraft protection account attached to it. PNC makes a habit of holding any payments made to the overdraft protection account to ensure that they can charge fees by processing any other transaction. 
PNC also did sell me an invalid cashier 's check and would not refund the fees incurred. That transaction wa cancelled due to the unprocessed check. These practices ought to be highly illegal and predatory. 
When it comes to the credit card account, I do not even know where to start. The proper question to ask is how come an account that is on automatic payments be ever late? 
The answer according to Pnc 's dictionary residecin their definition, and differentiation between automatic and recurring. 
My understanding is that both PAY a defined amount at a specified date every month. Do n't take my word for it, English is only my XXXX language. 
These SCAMS are the reason I m seeking your protection against this vile and low company. 
Did I mention I have been a customer since 2000? 
That relationship will end as soon as I these issues are addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: CNG FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This business has been told numerous times to call and leave a message and I will call back as soon as possible and has been told numbers times to not call my place of work and has done so anyways and has caused me to be written up and I have now been threatened with losing my job because of their continued calls. They have also called family members pretending to be someone who has an emergency and is in need of getting in contact with me right away and sending them into a panic thinking there is a real emergency happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: ASSOCIATED BANC-CORP
State: MN
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Fell behind on XXXX mortgage with Associated Bank. Was contacted to set up payments with the assurance that it would stop legal attempts for judgment against me. I was also told the debt had been charged off and I would only be paying toward the principle. XXXX months later never missed a payment I saw a judgment against me and attempts for wage garnishment. I called them and they said that was a mistake and should n't have happened. They stopped garnishment attempts and apologized but I still now had a judgment against me. I continued to get a statement showing the principle amount with no interest and my monthly payment. Almost XXXX years of consistently paying every month I called to get the payoff amount as I 'm ready to sell my home and take the equity out to pay the lone off. The principle load amount was $ XXXX almost XXXX years of monthly payments over {$4000.00} my pay off amount was over {$33000.00}. They said the statements do n't show the interest charges but the judgment against me allowed them to collect interest. Had I seen any interest charges on my statements I would have questioned that over XXXX years ago. I feel like they took advantage of someone faithfully trying to pay back debt and always intended to file a judgment and collect interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX bank XXXX has broken so many federal laws. they cant close a account they didnt open. according to 18 USC 8 all debt belongs to the government. My name is in all caps which is a fictitious entity. Also they are impersonating a debt collector and a bank cant be a debt collector. I am the original creditor I extended my credit and a bank cant accept fiat currency as money .money is only good and silver. a finance charge is the sum of all charges so I dont owe anything. There is no such thing as a bill. They refuse to open back up my account and put my {$1000.00} back in there which breaks federal law. they cant give me back my {$500.00} I already gave them and they already got paid my using my SSN which is a credit card. Also they are calling me about a alleged debt which is a XXXX violation EACH. I will be sending a cease and desist and a affidavit to open back up my account. I also will be sending a bill of particulars {$1000.00} for each violation that was committed. Capital one already has lost a lawsuit and so many fraud things have been done to natural consumers. If they dont comply to federal law they will be taken to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Credit Bureau has ignored me ... .Consumer inquiry is legitimate and obvious, but credit bureau fails to read adequate and input wrong data. Car Note should be XXXX XXXX XXXX XXXX ... it is referred to this way on all statements. Credit Bureau does not read adequate or report has wrong data. 

Line of Equity 2nd mortgage scheduled payments ... wrongfully categorized as evolving credit. Our home is XXXX XXXX XXXX appraised near 1million by the bank. 

Errors cause higher interest rates on our debt. Is there recourse to recovery from negligent mistakes. These error raise our interest rates. Our effort is to avoid the indebtedness that Credit Bureaus touch.

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 2016-05-14
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
All my derogatory marks were off my credit report one day i answered the phone it was a debt collector has to be over 2 1/2 years ago. It probably was an XXXX visit. well all of sudden it 's back on my credit report XXXX derogatory marks and they say the date was XXXX 2016. I do n't have any new debts in over 2 1/2 years. what should I do about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: NC
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX violated my rights. 
XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information< other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-12-18
Company: Experian Information Solutions Inc.
State: TN
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:
MY INFORMATION WAS USED TO GET A CAR WITHOUT ME KNOW THIS ACCOUNT DOES NOT BELONG TO ME AND MY CREDIT HAS BEEN NEGATIVE BECAUSE OF IT.

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 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
MY INFORMATION WAS USED TO GET A CAR WITHOUT ME KNOW THIS ACCOUNT DOES NOT BELONG TO ME AND MY CREDIT HAS BEEN NEGATIVE BECAUSE OF IT.

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 2021-11-26
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I purchased a home for {$98000.00} with XXXX down, we financed {$96000.00} at 9.25 % interest rate upon which we now owe {$94000.00}, and now that we are ready to refinance our current mortgage company is refusing to accept a refinance unless the entire interest for the life of the 30 year loan is paid ( interest fees at 30 yrs 9.25 % = {$180000.00} ) in addition to the current balance of principle owed. Is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: ONEMAIN FINANCE CORPORATION
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I opened a personal loan with One Main Financial for the amount of {$6500.00} in XXXX of XXXX to cover medical expenses. My balance currently sits at {$5800.00} as of XX/XX/XXXX. 

Paid my XXXX payment 17 days early ( I always pay early. ) 99.98 % of my payment went to interest. Paid XXXX 's payment 19 days early and 99.97 % of my payment went to interest. I always automatically make payments early without even checking. I knew interest rate was high when I started the loan, but this is absolutely ridiculous. 

At this rate, it would be absolutely impossible to pay off this loan in my lifetime. 

I can provide statements to support my claim if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Debt Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
DEBT RECOVERY SOLUTIONS , LLC, XXXX XXXX, XXXX, NY XXXX : ( XXXX ) XXXX is reporting a {$0.00} balance on for an account # XXXX on my credit report that has already been paid to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, PA XXXX, XXXX for the same account. The account with Debt Recovery Solutions was disputed with XXXX as not belonging to me as the debt has been paid. The amount on the report was {$600.00} and was updated to {$0.00} but still remains on my report. It is incorrect to for the Debt Recovery account to remain on my credit file as this debt was never paid or owed to them.

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