BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To whom it may concern, On Sunday  XXXX   XXXX  I reported to Chase Bank that my card had been stolen and fraudulent transactions had occurred without my authorization. The transactions that were a result of my card and pin number being compromised are detailed below : ATM DEBIT  XXXX   XXXX   XXXX   XXXX  - {$500.00}  XXXX  POS DEBIT   XXXX   - {$850.00}  XXXX  POS DEBIT  XXXX  - {$850.00}  XXXX   POS DEBIT   XXXX  - {$28.00}  XXXX  ATM  DEBIT    XXXX   - {$42.00}  XXXX   POS DEBIT   XXXX  - {$58.00}  XXXX  The last authorized transaction I made was at an ATM withdrawal for {$100.00} at  XXXX  at  XXXX   XXXX   XXXX   XXXX . That was the last time I saw and used my card, from that point on I was unable to find my card. I woke up and found that my card was missing from my wallet, looked around some, then checked my account to see the balance. Once I saw that unauthorized transactions had occurred I called chase claims immediately.   When I called claims I was incredibly distraught and overwhelmed by my account having been compromised and drained of all funds. I provided information to Chase claims based on what I assumed had happened with the card. My card was lost and somehow the pin number was compromised without my consent or authorization, so I subsequently filed a police report with  XXXX  PD regarding the illegal activity.   Chase Bank denied the fraudulent claim based on the information I provided them the morning of finding out my card had been lost. They believe that I gave consent and authorization for these transactions by giving my pin number to someone and then that person then making every charge thereafter which I disputed the following morning as fraudulent, when in reality, I was with someone at the time of my last ATM withdrawal, but this does not dictate that this person was absolutely the one who somehow retrieved my pin and then made the following transactions as cited above. Chase denied my claim when under the circumstances I should have been protected against this case of fraud because I did not make or authorize any of these transactions, nor did I give away my pin number with consent for someone other than myself to make transactions on my behalf.  <P/>  Chase  claim # :  XXXX  Checking account # :  XXXX   XXXX   PD   Debit Card fraud c ase # :  XXXX   XXXX   PD  Lost Property case # :  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Experian Information Solutions Inc.
State: TN
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 ; Experian and XXXX  are incorrectly reporting me as an Authorized User on the XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: MD
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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Avant Holding Company, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called to make a payment on XX/XX/XXXX and advised the rep that I am still unemployed due to the pandemic.I was charged a late fee for the missed payment on XX/XX/XXXX and I submitted a request to have the late fee waived as a courtesy. The rep that I spoke with advised that I had not had a late fee waiver recently and after reviewing my account she has not seen a late fee waiver EVER. I received an email 24 hours later stating that the fee waiver was rejected and there were no logical reasons indicated. I immediately contacted Avant customer service and spoke with a supervisor who stated that he also sees no valid reason on file as to why the late fee removal was declined but he escalated my concern. I am totally appalled by this lack of compassion and leniency especially during these tumultuous times. I enrolled in a hardship program with Avant back in XX/XX/XXXX when I became unemployed and I managed to still make consistent payments. Many lenders and creditors have announced proactive measures to help borrowers impacted by COVID-19. The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that may apply to your situation. Some lenders are also saying they will not report late payments to credit reporting agencies or are waiving late fees for borrowers due to this pandemic. Under the CARES Act, in certain situations, lenders are required to report your accounts as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good afternoon, I feel my information has been compromised either online or by the XXXX  data breach. Several accounts that do not belong to me have popped up on my credit report saying I owe {$400.00} to XXXX  XXXX XXXX and {$600.00} to XXXX XXXX which I have never authorized or done business with these companies. Also there are collection accounts for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX which I also am not familiar with these organizations nor ever done business with them. I have not had any medical procedures or anything done in many years so please remove these fraudulent accounts off my credit report permanently. I am looking forward to your help. Thanks in advance.

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 2017-01-05
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Chase Bank has a fraudulent credit card listed in my name. I have sent them several letters and a copy of my identity theft report from the police in my city. They are trying to hold me liable for this debt that I had no part in creating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
THIS ACCOUNT SHOULDN'T BE LISTED AS CHARGE OFF/COLLECTION WHEN THE BALANCE IS NOT CORRECT OR INFORMATION I HAVE NEVER OWNED THIS ACCOUNT WHICH ITS CLEAR ITS FRAUD OR SOMEONE SCAMMERS AND THESE PEOPLE RUIN PEOPLE 'S LIVES AND THAT'S WHEN XXXX AND MENTAL DISABILITY COMES NOTHING WAS NEVER OWED ON THIS INACCURATE MADE UP ACCOUNT DELETE THIS INACCURATE INFORMATION PLEASE.

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 2022-06-20
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX, XXXX 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 a account without my written instructions

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 2018-03-19
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: Information belongs to someone else

Complaint:
equifax is reporting inaccurate information on my credit file and i can never submit a dispute online due to inaccurate security questions and answers. I know my personal information and the answers i provide doesnt match up with their inaccurate answers and its been causing damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Was talked into getting massive amounts of loans when I enrolled, was lied to about the amount I was taking and was not assisted with finding a career that would allow the ability to pay off the loan. Attempts to renegotiate or reduce payments resulted in being told only options are forbearance for up to 3 months at a time. When attempting to add additional payments or trying to pay off specific loans, funds are split between loans seemingly arbitrarily even when specifying that payment should only be going to one, and XXXX/Navient will change due dates of payments without ample notice, resulting in late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX {$270.00}, 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 a account without my written consent

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 2022-02-23
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Genesis is attempting to collect a FALSE claim. The collections person outright said " I know you can afford to pay ''. This is extortion. 
XXXX XXXX, an apartment building is attempting to extort me to pay a completely bogus amount. They hired Genesis to collect. The collections person outright said " I know you can afford to pay ''. 
The building had an onsite management office and everything was handled through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: PNC Bank N.A.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On my line of credit account I owed {$160000.00} and It was refinanced with the same bank ( PNC BANK ) and same bank according to a payoff statement they paid off {$160000.00} on XX/XX/XXXX. Based on this old line of credit account should have been closed with XXXX balance instead, I see that PNC Bank still shows {$610.00} outstanding under my account and when I called they said I still owe them interest in the amount of {$240.00}, which I paid right away on XX/XX/XXXX and the balance {$360.00} according to PNC is the charge for closing the line of credit account early ( before 3 years ), which they will waive since I opened up another line of credit account with the same bank and account will be cleared with no dues in 2-3 business day. I checked my account on XX/XX/XXXX and found amount is still outstanding so I called PNC bank on XX/XX/XXXX and again they gave me the same answer saying they will escalate this and will be resolved, I called again on XX/XX/XXXX and I was told that now I owe {$360.00} for account closing and another {$360.00} for diff in payoff amount ( which they done have any explanation on ) so in total according to PNC I owe {$730.00}. 

I have also had issue with the same bank XX/XX/2016 on my line of credit account where they tried to debit ( ACH ) my monthly payment from random account ( I didnt have any PNC account ) and when payment was returned they charged me fees and then reversed but from my next payment they took away the entire amount and applied it to the interest instead of my term which is principal and interest. 




Also, this account also shows that my next payment due is {$910.00}, can you please let me know why since this account is already closed? 




On my new line of credit accouint ending in XXXX - When is my next payment due and what would be the amount? 




I would really appreciate if you can help me by answering above and taking care of this. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
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:
There are two accounts that are reporting on my credit file that do not belong to me. I don't even know who's accounts they are. There is one with XXXX XXXX XXXX services and a XXXX XXXX. They are showing me as an authorized user but I don't know who these belong to. There is also a credit inquire that is reporting on Equifax with a place called XXXX and I never applied for anything with that company. Someone opened an account in my name and that was resolved however they never removed the actual inquire.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
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:
accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions

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 2022-06-20
Company: Avant Holding Company, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I fell behind on my payments with Avant credit card and contacted them to see if they had any available programs to get caught back up. I was advised of this re-aged program and was told that I would have setup a payment arrangement in order to get back on track. I had concerns regarding the late fees assessed and was led to believe that I wouldnt incur late fees as long as payment is made. I received my bill and noticed that I received a late fee. I called to speak with a supervisor and was told that one would call me back, however, one never did. I called again and was told that I would be subject to fees because I am not making the minimum payment due. How can that be if myself and the company agreed upon a payment arrangement. I feel like I was misled by the company and they are not honoring the agreement. What sense does it makes to be in a program for which the goal is to bring the account current and get caught up on payments. It seems like the goal is to keep someone owing because the account will never get current because the payments I will be making is essentially isnt going to make a dent in the balance because of late fees they are going to charge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not Authorize this account. someone has stolen my identity. 
This is a Fraud Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good afternoon, I feel my information has been compromised either online or by the XXXX  data breach. Several accounts that do not belong to me have popped up on my credit report saying I owe {$400.00} to XXXX  XXXX XXXX  and {$600.00} to XXXX XXXX  which I have never authorized or done business with these companies. Also there are collection accounts for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX which I also am not familiar with these organizations nor ever done business with them. I have not had any medical procedures or anything done in many years so please remove these fraudulent accounts off my credit report permanently. I am looking forward to your help. Thanks in advance.

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 2016-12-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
BMO Harris Bank did not fulfill a promise to provide promo interest rate on money market account. It has been two months sine I opened the account. 
thanks

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 2015-05-18
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX paid part of a bill for a medical XXXX fee in XXXX 2012 and failed to automatically pass the remainder on to my supplemental insurance company. I can get little information from XXXX about what happened to the remained as they do n't seem to know and can not get any information. The original lab fee bill to XXXX was in the amount of {$590.00} of which XXXX paid an unknown amount but failed to automatically send the remaining amount of {$200.00} to XXXX XXXX XXXX which has my supplemental insurance. I can get no information from XXXX about my account # so I can get no information there. I need to know how I can get XXXX to send this {$200.00} on to XXXX XXXX XXXX as I have been getting Collection Agency bills for XXXX years. Can you help me. We can not afford to pay this bill which we do not owe. We pay more than {$5000.00} a year for this supplemental insurance. Somebody has messed up on this bill, whether it is XXXX or their vendors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: SYNCHRONY FINANCIAL
State: IN
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: Problem with personal statement of dispute

Complaint:
There is Lowes Credit Card on my report that is not mine. It has exceptional payment history and isnt an issue as far as hurting my credit but it is not my lowes account. I dont want it to turn into an issue so I am trying to get it removed

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 2017-03-09
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortgage is not calculating my monthly escrow payments appropriately. As a result, when it is time to make payments for taxes and insurance my escrow account is short. This is not a result of taxes or insurance increasing as my taxes stayed the same and my home owners insurance only increased by {$50.00} for the year. My escrow account is short approximately {$500.00} and they can not offer an explanation as to why. My frustrations are fueled even further by the fact that this is the second time this has occurred. I need to know why there is a shortage and what can be done to prevent this in the future? Lastly, I would like to point out that the damage has been done for this year as we will now have to pay extra on our monthly escrow payments to make up for the shortage. This clearly could have been avoided if we had been given the appropriate amount to pay each month instead of what seems to be some kind of made up amount.

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