BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to you today to appeal a negative credit report entry that has caused a significant drop in my credit score. The issue at hand is a {$13.00} interest charge that I was not aware of due to travel, which was reported by JP Mogan Chase XXXX Credit Card after I had already paid off the entire $ XXXX balance. 

I strongly believe that this negative entry is unreasonable after making every effort to ensure that I paid off the full balance owed. The fact that this small amount of interest has resulted in such a significant drop in my credit score ( -60! ) is extremely concerning and has the potential to impact my financial future in a significant way. 

I respectfully request that you intervene in this matter and work with JP Morgan Chase Southwest Credit Card to have this negative entry removed from my credit report. I have been a responsible borrower and have worked hard to maintain a good credit history, and I believe that this one-time oversight should not be allowed to have such a negative impact on my creditworthiness and potentially a negative impact on my security level and job suitability. JP Morgan Chase Southwest Credit Card has a strict policy and they are unwavering. 

Thank you for your time and attention to this matter. I look forward to your response and resolution of this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a first mortgage with Mr. Cooper ( formerly Nationstar Mortgage ).  For all ofXX/XX/XXXX my monthly payment was {$1700.00}. I was recently informed that my payment would increase to {$2100.00}, effective immediately. When I spoke to a Mr. Cooper representative, I was told that the escrow had increased due to an insurance increase. But my insurance premium ( with XXXX XXXX ) has not changed from XX/XX/XXXX. I was also told that there was an escrow shortage forXX/XX/XXXXand XX/XX/XXXXwhich I was then paying down monthly. They could not explain why the shortage ( 2 years in a row ) occurred, since they are supposed to determine the escrow payment to not create a shortage. In addition to this latest increase, I have been trying to get any paperwork, like a mortgage agreement, from Mr. Cooper, but all they could provide me with was the original loan documents from XXXX XXXX XXXX, the original lender when I purchased the house in XX/XX/XXXXThe mortgage has been sold twice so far, and I 've never agreed in writing to any changes in terms or mortgage details. I do know, however, that the principal balance on the loan has literally not changed in years. I 'm not sure if I need to hire a lawyer, but I 'm hoping that the CFPB can offer some assistance and advise. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX agreed they made a mistake when investigating fraud and determining the result. I called XXXX as soon as fraud occurred on a date near XX/XX/23. I told them there was fruad, clearly since there were inmate transactions from Texas, as I am from CA. Additionally I told them I had never activated the card. The card was fraudulently activated and then used without my consent. The charges were said to be removed. After 1 month had passed, nothing had happened. So I called them back on XX/XX/23. They were able to investigate further and claimed they refunded all the fraudulent activity. After a month had passed, I was receiving messages that I had a late payment due. They in fact did not investigate ALL of the charges leaving a balance of XXXX after a late fee. I called twice about the fraudulent activity, and they claimed both times it was fixed. Finally after I received a late payment activity from my credit, I called a 3rd time to see what was happening. They finally reversed all of the charges and late fee, but left the missed payment credit report. I then chose to dispute the missed payment due to them not investigating ALL the charges the 1st time I called. Additionally, THEIR WEBSITE SAYS THEY WILL PAY FOR LATE FEES WHEN FRAUDULENT CHARGES ARE UNDER INVESTIGATION. Therefore, XXXX was NOT DOING THEIR JOB when I reported the fraudulent activity the 1st and 2nd time I was in contact with them. I do not deserve a missed payment on my credit report due to the LAZINESS of XXXX workers. Please look into call records that I have made with 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 2023-11-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2023-02-17
Company: Conn's, Inc.
State: NC
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:
Conn 's XXXX XXXX refuses to remove my XXXX balance, closed account which they have verified as such. I did not receive any goods from them, order was canceled and goods verified as returned to wear house. They were never delivered. I have spoken with XXXX people since XXXX, all of which confirm this but I continue receiving bills and harassing calls, and it is on my credit report. Every call concludes with them telling me to call back in XXXX weeks to check on status. The most recent date of contact was XX/XX/23, I was transfered XXXX  times. Number contacted XXXX, person # XXXX was XXXX in late stage collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
XX/XX/XXXX To Whom It May Concern, I XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: Southwest Credit Systems, L.P.
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:
SOUTHWEST CREDIT SYSTEM Account number XXXX IS REPORTING A DEBT ON MY CREDIT REPORTS FOR A BALANCE OF {$790.00}. I WAS NEVER NOTIFIED OF THE DEBT VIA PHONE NOR WAS I INFORMED ON THE ORIGINATION OF THIS SO CALLED DEBT THAT THEY CLAIM THAT I OWE. SOUTHWEST CREDIT SYSTEMS VIOLATED MY CONSUMER RIGHTS PER 15 USC 1692g SECTION 809. I WAS NOT AFFORDED THE OPPORTUNITY TO DISPUTE THE VALIDITY OF THIS DEBT WITHIN THE 30 DAY TIME FRAME. I WOULD LIKE FOR SOUTHWEST CREDIT SYSTEMS TO CEASE ALL DEBT COLLECTION AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
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 fraud alerts or security freezes

Complaint:
I cant get into any of my credit reports without verifying my identity. My credit score has dropped extremely low I thought, I thought maybe my identity was stolen. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: JPMORGAN CHASE & CO.
State: NJ
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:
In XXXX and XXXX of XXXX  I closed my JPMCB credit card ( Chase ). My credit report reflects the closure. In XXXX of XXXX the account was reflecting NON-payments. even after the account was closed. This continued from XXXX till currently. Accumulating fees and damaging my credit report. I have made multiple calls to rectify the situation and was promised it was resolved but it never was. Here is a list of employees i spoke to ; XXXX Employee # XXXXXXXX XXXX ( spoke on XXXX occasions ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX If you wish to speak to the corporate office it must be in writing and faxed over or mailed to a po box . That is not acceptable. Especially with personal information. 
Bottom line is Chase Credit Card strong arms everyday citizens and make them pay ridiculous and unjust fees. They don't assist their clients and conduct unfair business practices. Also many requests have been made for details of my account and break downs. They have NEVER been sent or provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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 information incorrect

Complaint:
I purchased this vehicle on XX/XX/2022. I have never been late. XXXX XXXX has me down as XXXX XXXX instead of sending in the payment monthly. I have never been more than thirty days late. I received an XXXX for XXXX and XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: OR
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:
{$290.00} XXXX Other by collection/charges {$120.00} XXXX other loan collection/charges {$0.00} pastdue credit collection other loan 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 a account without my written instructions is u.s.c. 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, 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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: PA
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:
As a federally protected consumer, Im aware thats youve assumed a vital role in assembling and evaluating information pertaining to me. Congress makes it known that I have a RIGHT TO PRIVACY as a federally protected consumer in which youve infringed upon without my lawful consent. Pursuant to 15 USC 1681, It is the purpose of the Fair Credit Reporting Act to insure that you exercise your grave responsibilities with fairness, impartiality in a manner which is FAIR AND EQUITABLE to me as the consumer! Inaccurate reporting impairs the efficiency of the banking system, weighs on my credit worthiness, and damages my character!

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 2023-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
THERE ARE NO VALID REASONS FOR THEM TO SEND ME A CREDIT CARD THEN TELL ME THEY NEED ADDTIONAL INFORMATION ON AN ACCOUNT THAT I HAVE MADE NO PURCHASES ON SINCE I HAVE RECEIVED IT THERE ARE NO FRAUD JUST THERE CONSISTENT EFFORTS TO MAKE MISTAKES REFERENCE CAPTIAL ON LETTER DATED XX/XX/2023 CALL THERE FRAUD DEPARTMENT AT XXXX ANYTIME SEVEN DAYS A WEEK

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Avant Holding Company, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2022 I filed a complaint stating that I received a credit card from Avant and the following day they reported it as fraud. During the investigation period and after I continued to make my monthly payments. On XX/XX/2022 I received a response from Avant stating that the investigation had been completed and that I would be able to use my card again. In XX/XX/2022 I attempted to purchase gas and the card was declined, I contacted Avant and was told that the card had been closed due to fraud. This account still shows open and active on my credit report. No payments that were made on this account was credited and I am unable to log in so that I can attach the payments history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents 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 2023-05-18
Company: Block, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Almost 5 months ago, I had a {$1000.00} purchase order paid via Square XXXX for my small business. My account was flagged for fraudulent activity, without any explanation for why it was considered fraudulent, and they froze my funds and account. I have called, emailed, tried everything possible to talk with customer service to have my funds unfrozen so I can deposit my funds, to no avail. No one has been the least bit helpful, and for a small business owner to not have to access to funds, it is crippling. I need the {$1000.00} very badly and need these funds to be unfrozen asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In accordance with Fair Crediting Reports Act XXXX XXXX account ending in XXXX Financial has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy Also 15 U.S.C 1681section 2 it also states a company reporting agency can not furnish a account without my written instruction.

15 U.S.C. 166B A creditor may not treat a payment under an open end consumer credit plan a late for any reason.

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 2023-01-31
Company: MOHELA
State: FL
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:
My name is XXXX XXXX and I am a XXXX XXXX XXXX. I have been in repayment since XX/XX/XXXX, from at least XXXX through XXXX, I was with XXXX. I consolidated to XXXX  in XX/XX/XXXX to take advantage of the Public Student Loan Forgiveness Waiver since I have always been a local government employee since I graduated in XX/XX/XXXX, but was previously in wrong loan type for forgiveness. I submitted my forgiveness application in XX/XX/XXXX to XXXX. All of my employment was certified from XX/XX/XXXX to XX/XX/XXXX as eligible. However, they only credited XX/XX/XXXX and XX/XX/XXXX and then no other payments until XX/XX/XXXX ( covid forbearance ). When I asked why, I was told that my account was designated as being " in-school deferment '' for the period of XX/XX/XXXX to XX/XX/XXXX ( when I consolidated ). I was told by XXXX  that only XXXX could fix the problem. I called XXXX  and they said XXXX  had to fix the problem. I was not in-school at any point since XX/XX/XXXX. I have proof of regular standard payments made to XXXX  going back to XXXX demonstrating that I was on repayment status. ( as far back as their records went ). I also managed to locate bank records from XXXX which show my regular on-time automatic monthly payments for that year. I have form XXXX 's from XXXX and XXXX that demonstrate I made payments those years on my loans. I filed a complaint with the ombusdman too, but they say that my student loan account reflect I entered repayment in XX/XX/XXXX, which it does, so why are my payments not being counted? ( the account also shows that the status was not changed to " in repayment '' until I consolidated in XX/XX/XXXX ). My loans were transfered to Mohela in XX/XX/XXXX and I submitted all of my paperwork to them, including the proof of payments for all the months I had for XXXX and XXXX, and they marked it as a duplicate application and kept the count the had been submitted by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation