BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase has violated there own Terms and conditions. I have a current, open, and active Chase Premier Plus checking account. Chase offered me this account because of my Military service. Looking at the Chase terms and conditions from the Chase document, " A Guide to Your Account '' for Chase Premier Plus Checking account holders, Page XXXX explains Overdraft fees. In particular, it states, " IF WE RETURN THE SAME ITEM MULTIPLE TIMES, WE WILL ONLY CHARGE YOU XXXX RETURNED ITEM FEE FOR THAT ITEM WITHIN A 30-DAY PERIOD ''. 
I have had {$34.00} overdraft fees that Chase has charged me from the same returned item within the 30 day window. SEVERAL times I have called and given Chase the opportunity to reverse these outstanding charges and credit my account back. My requests have been ignored and denied. I warned them that my point is validated and advised that I would have to take next steps.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-01
Company: LEXISNEXIS
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX employees caused a dent into my car while parked with their crate cart and paid to get it repaired through their insurance company. They are now reporting it under my accidents and causing a huge difference in my premiums. This accident should have been reported under collision and it is affecting my insurance premiums for the past 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
This Capital One says I had a card from XX/XX/XXXX & charged off in XX/XX/XXXXThat 's impossible as I never had this card or applied for it. 
I think it 's a part of fraud from long ago. 
However XXXX reports it as mine & it 's incorrect. 
Can you help me? 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: SC
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 XXXX DPT ED XXXX Account # XXXX. DPT ED XXXX Account # XXXX. DPTED XXXX Account # XXXX, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is my third attempt to resolve this issue through CFPB. The company in question is stating that I am using a third party to resolve this issue. This is me trying over and over again to get this problem fixed. I am not using a credit repair company I have just done my research. I wanted TransUnion to provide me with the information that I asked for regarding an account on my credit report. Under Section 609 Disclosure to Consumers [ 15U.S.C.1681g ( a ) ( 1 ) ( 2 ) ( 3 ) ] of the Fair Credit Reporting Act all of the information that I requested was supposed to be provided to me by the credit bureaus. They failed to do so. Under Section 611 of the Fair Credit Reporting Act if the information can not be verified then everything must be deleted immediately. Section 611 also states that they had 30 days to do this and they failed to do so. I have also attached the letter that I sent 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
Consumer complaint received 2021-02-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am trying to get my reports together and I have reached out and have not heard back. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I 've checked my credit report and Jefferson capital have a debt that I have no knowledge of.

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 2016-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Payoff process

Complaint:
On XXXX XXXX, XXXX, I made arrangements with the Capital One # XXXX to settle my outstanding debt in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX, XXXX and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that all three of my credit reports were not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I mailed a letter to the creditor to request that they uphold our agreement and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX the creditor has not removed the account from my credit reports, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts the debt is still being illegally reported and they accepted the terms of our agreement by cashing the checks. Capital One withdrew the money as an ACH from my personal bank account although I sent them a check via US Postal mail and they received a physical check. My credit bureau disputes are being ignored and my consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: IA
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This has caused me to suffer and its defamation of my character. 

XXXX XXXX XXXX XXXX THIS INFORMATION IS NOT ONLY INACCURATE, ITS INCOMPLETE. 

What was the monthly payment for this account? XXXX XXXX is reporting {$0.00} and XXXX and Equifax isn't reporting anything. Did the furnisher not supply you that information? 
What is the current balance owed to date? 
What was the date of first delinquency for this account? 
Why is XXXX reporting a date of last activity as XX/XX/XXXX, while XXXX XXXX and Equifax report the date as XX/XX/XXXX? Which date is it? 
What was the credit limit for this account? 
Is this account past due? If so, how much past due is it and if not was it ever past due, and if so, how much? 
Look at the payment history. Why is it reporting as RF for XXXX and XXXX of XXXX for Equifax and then reporting on time for XXXX of XXXX and then back to RF from XXXX of XXXX to XXXX of XXXX? What is it? Why isn't XXXX or XXXX XXXX reporting any payment history? 

This information is all over the place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm a consumer with a very serious mortgage problem. I 'll try to explain the best I can. I bought my primary residence in California back in XXXX of XXXX through an Interest only, XXXX/XXXX/XXXX Adjustable Rate Mortgage loan granted by the extinct XXXX XXXX XXXX, now acquired by XXXX XXXX XXXX. At that time I was working in XXXX XXXX and could afford that type of loan until the market crashed and I was out of the market and immerse in debts. 
Then I started working for a local Loan Modification Office and with that office I could get an initial modification of my XXXX note. Everything was running smoothly with my mortgage payment until the California Senate Bill 94, XXXX XXXX, XXXX, that force that company I was working for, to close door which left me without income again. I do not have to say, I was behind in my mortgage for several months, for a XXXX time, and looking for jobs for several months, until a got hire as a XXXX in a Mortgage company. 
Soon, XXXX XXXX XXXX transfer services to Specialized Loan Servicing LLC who is the institutions that holds the Note on my primary home. Though, I have not clear who the owner of my Note is : either, XXXX XXXX XXXX or XXXX XXXX. Nevertheless, I have been trying a new Modification with the Servicer I just mentioned FOR TWO YEARS and this Servicer keeps requesting the same docs for months, and telling me my case is in review every time I call and talked to the several Relationship Managers I have had so far, and my debt is growing every month and hard to repay without a plan. In the meantime, I received a NOD at XXXX/XXXX/XXXX, the time is running out and I have come to believe the Servicer is leading me to believe it is " considering '' my request in good faith, when in reality it is marching through the foreclosure process, as you can see, very quickly! Then, I 'll be " turned down '' for that loan modification just before the foreclosure sale. Please, help me to find an answer before it 's too late for me and my family. I have sent a package to SLS AGAIN! Thank you very much!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
EQUIFAX KEEPS PUTTING " FAKE, FRAUDULENT AND INCORRECT '' STATEMENTS ON ACCOUNTS THAT ON ARE ON MY CREDIT REPORT AND I AM SICK AND TIRED OF THEM DOING THIS. BY THEM PUTTING THESE STATEMENTS ON MY CREDIT REPORT WITHOUT MY PERMISSION THEY ARE IN VIOLATION OF THE FCRA AND ARE HARMING MY ABILITY TO GET A MORTGAGE. 

THE FOLLOWING STATEMENT " CONSUMER DISPUTES-REINVIESTIGATION IN PROCESS, CONSUMER DISAGREES '' ARE ILLEGAL STATEMENTS ON THE FOLLOWING CLOSED ACCOUNTS. 

1. XXXX 2. XXXX XXXX 3.XXXX XXXX. XXXX XXXX XXXX ACCOUNTS XXXX. XXXX CARD I HAVE NEVER DISPUTED THESE ACCOUNTS AS THEY ARE CLOSED AT MY REQUEST AND HAVE POSITIVE PAYMENTS BEING MADE. WHY WOULD I DISPUTE THEM. I BELIEVE EQUIFAX HAS PUT THESE ILLEGAL STATEMENTS ON MY FILE TO HARM ME DUE TO OTHER COMPLAINTS THAT I HAVE SUBMITTED IN THE PAST. 

XXXX HAS DONE THE SAME THING TO THE XXXX XXXX  ACCOUNTS THAT ARE BEING REPORTED. I DEMAND THEIR NEGATIVE STATEMENT BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: TN
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:
My personal information was stolen in 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, 2022 XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, 2022 XXXX XXXXXXXX XXXX Inquiry : XX/XX/ 2022 XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXXXXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, 2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: IA
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This has caused me to suffer and its defamation of my character. 

XXXX XXXX XXXX XXXX THIS INFORMATION IS NOT ONLY INACCURATE, ITS INCOMPLETE. 

What was the monthly payment for this account? XXXX XXXX is reporting {$0.00} and Experian and XXXX isn't reporting anything. Did the furnisher not supply you that information? 
What is the current balance owed to date? 
What was the date of first delinquency for this account? 
Why is Experian reporting a date of last activity as XX/XX/XXXX, while XXXX XXXX and XXXX report the date as XX/XX/XXXX? Which date is it? 
What was the credit limit for this account? 
Is this account past due? If so, how much past due is it and if not was it ever past due, and if so, how much? 
Look at the payment history. Why is it reporting as RF for XXXX and XXXX of XXXX for XXXX and then reporting on time for XXXX of XXXX and then back to RF from XXXX of XXXX to XXXX of XXXX? What is it? Why isn't Experian or XXXX XXXX reporting any payment history? 

This information is all over the place.

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 2015-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My capital one credit card went missing and a few unauthorized charges totaling around {$1800.00}. I followed the necessary procedures to file a fraud claim and was denied {$1100.00} of the charges stating there are " no indications of fraud. '' This has been a sham with capital one since the day I reported this and I can not get anyone to help. I 've left numerous voicemails with no return calls and a certified appeal letter that has also gone ignored.. These XXXX particular charges that they are denying are from the same merchant and state that items were shipped to my address, but yet can not provide a tracking number not a delivery service in which I can follow up with. In addition, capital one stopped short of calling my family thieves and indicated that someone in my household must of made this transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-28
Company: Synergetic Communication Inc
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I've submitted CFPB complaint # XXXX against XXXX XXXX XXXX XXXX ( XXXX ) which reported me to the credit monitoring agencies on XX/XX/XXXX as having a " major delinquency '' for me not paying them {$100.00} without ever sending me a bill or any other form of notification about it. I found out about this fact only on XX/XX/XXXX from a credit report sent to me by my financial institution where I'm trying to refinance my mortgage. Since then I've tried to mitigate the issue with XXXX  via numerous telephone conversations where their representatives have admitted having a wrong house number for my address, which is not true because I have a letter from XXXX accompanying a title of purchase by me from them previously leased vehicle dated XX/XX/XXXX with my correct address. This is a classical case of XXXX   practicing " parking the small debt with a debt collector and reporting a consumer to the credit agency without expending resources to contact a targeted consumer who'll find out about the debt only when doing some activity requiring a credit report. When on XX/XX/XXXX first contacting XXXX  via telephone about this matter I was transferred without a warning to a collection agent who initially didn't clearly identify herself but collected all my personally identifiable information. Only at the end of the conversation I found out that who she was. I asked her why didn't her collection agency never send me a bill which was reported to them according to the credit report on XX/XX/XXXX. She said that they had a wrong house number for my address on their files. How is this my fault? After this phone call I received a first ever letter ( attached ) dated XX/XX/XXXX from this debt collection agency called Synergetic Communication, Inc. ( SCI ) demanding for me to pay {$100.00} where the Original Creditor is XXXX, without any explanation what I was billed for. I have not received a bill explaining the {$100.00} charge from either company to this date. I did contact SCI via telephone, left a voicemail identifying myself, stating the issue and asking to call me back. No one has called me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Two overdraft fees for two transaction that were not pay by the bank those two transactions came in at XXXX XXXX  and at XXXX XXXX I had over one thousand dollars deposited from payroll. I was charged two fee when the bank didnt pay for my two automatic payments that came out of the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
creditor decreased my credit limit from XXXX to XXXX witch affected my credit score and my credit went from very good to goo i tried contacting creditor and they told me it was because i had not used my credit card acct. CBNA XXXX XXXX XXXX XXXX XXXX, XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX 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 2020-02-05
Company: ACIMA CREDIT, LLC
State: IN
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:
Acima Credit has reported to credit bureaus that I owe them over {$2000.00} for a mattress set, purchased in XXXX of 2018. This is incorrect. I wished to return the product due to the companys dishonesty in business. I was advised through email that they could not take the mattress set back, however I could donate it to charity and provide Acima Credit as the donators and the issue would be resolved. Acima credit told me to get a copy of the donation receipt and email it to them which I did and I was emailed back and advised that the issue was resolved and I no longer owed them for the mattress set. Now I am seeing this debt in my credit report and it is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed. Status update date proves that this account wasn't even investigated as the credit bureaus stated so this account can't possibly have been verified because the status update date has not changed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork and have requested it several times. 
Contacted creditor and was told it was charged off yet credit report shows balance Experian shows last payment XX/XX/XXXX and several chargeoffs are reporting in 2yr payment history XXXX show no data on 2 yr pymt history XXXX shows last payment date of XX/XX/XXXX and no data on 2 yr pymt history How was this date verified as accurate when so many values, reported by the same company, dont even match up?

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: Financial Business and Consumer Solutions.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I spoken with them several times in a year. An in XXXX they informed me yes they sold my information to a third party without my knowledge. Also, I told them that I dont owe them anything because my car was paid off by insurance XXXX an XXXX  an they said no. I also informed them that constantly calling me an telling me that my credit score would be damage was inappropriate. But on my credit they written several negative things. An I didnt give XXXX XXXX XXXX no authority to sell my information to FBCS , INC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Select portfolio servicing is going to STEAL {$250000.00} from me tomorrow.

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