BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-05
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Issue: Other fee

Complaint:
In XXXX of 2007 opened a credit card account with Chase. The card had three areas of interest to be charged 1. purchases, 2. cash advances, and 3. balance transfers. The interest charges are as following purchases 9.49 %, cash advances started at 19.24 % now is 25.24 %, and balance transfers are 9.49 %. Each month the bill interest charges from all three categories which gave me my minimum billing amount with the principal amount only being applied to the lowest interest rate which would have been for the purchase. I had mostly used the cards for purchases but had a balance transfer of {$1500.00}. and a cash advance of {$1500.00}. never any more than those two amounts. Although the credit card company is charging interest on all three areas since there is principal amounts on all three areas an the bill is being paid on time although mostly at the minimum payment amount. Example of the charges interest charges for purchases were {$210.00}, interest charges for cash advances were {$27.00} and the interest charges for balance transfers were {$18.00} making a minimum payment of {$520.00}. allowing {$260.00} to go towards the principal for the purchase allowing that amount to go lower in principal amount. The problem that I have is that every statement that I have that shows interest that is being charge against the cash advance an is apart of each billing cycle that amount is being charged and then rolled over into the principal amount of the cash advance causing the cash advance to continue to increase without being used beyond the amount originally used by the card holder. Why should the amount being charged every month for the cash advance for interest and being included in the monthly statement as part of the payment an being paid within the billing cycle that amount is being rolled over onto the principal of the cash advance causing the cash advance to increase dramatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Billing statement

Complaint:
In XX/XX/XXXX I opened a business credit card with Chase Bank. I was issued a Mastercard. In XX/XX/XXXX I was encouraged to get paperless online statements which I done because I was told I would always have access to my statements. XX/XX/XXXX my account was sold/traded ( however that is done ) to XXXX business card. In about XX/XX/XXXX I requested hardcopies or online access to my Chase business card purchases from XXXX XXXX up until XXXX took over the account. XXXX tells me that Chase never transferred that information to them. They gave me a contact information for Chase business and they tell me that everything was transferred to XXXX XXXX. Neither company can come up with my statements from XXXX up until XX/XX/XXXX. Each time I request the information I am told it will take thirty days to get it and then when it is sent I only get as far back as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
In accordance with the Fair Credit Reporting act Account ( XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 6028 states I have the right to privacy.

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

I did not apply for any loan from this institution. I would like for this fraud/unauthorized account 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 2022-11-03
Company: Nelnet, Inc.
State: NV
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:
I have severe XXXX XXXX. My spouse is helping me. The form for authorization is attached. It's harming my health to have such issues with these servicers. The stress is causing a list of symptoms. I need help. They arent listening to my spouse either. Issue # XXXX. Got a notice from XXXX that my application for XXXX discharge is being delayed by Nelnet because they spelled my name incorrectly. They wont communicate directly with Nelnet, they said I have to. We tried, and Nelnet refused to investigate the issue or it appears even to read our concerns and sent an auto generated message signed as if a human read and responded when they did not. We tried to remedy this issue three different ways before coming back here to utilize the CFPB complaint portal, yet again, for unethical customer service practices of the student loan servicers. Issue # XXXX. XXXX is trying to charge me for my loans and saying I have payments due even though they have been notified of the XXXX discharge process which is in direct violation of federal legislation. Note : The customer service reps that have responded to these complaints in the past are not allowed to handle my file any longer, they have a conflict of interest because they are a part of the problem and I have direct previous complaints against them on an individual basis. See screenshot for evidence of XXXX charging fees illegally. I have years of history of discrimination by the student loan servicers and US Dept Ed as a XXXX female, and this is my final attempt at resolution to preserve my health conditions from worsening before I officially secure a Federal Civil Rights Attorney. I am serious. This treatment needs to stop. I more than qualify for XXXX discharge and I will receive it, in a timely fashion, and the derogatory information about me and stone-walling will stop or I will file and win in federal court to force it to stop. My XXXX XXXX has reached out to Nelnet multiple times, the XXXX branch of Nelnet seeking help, and literally never even received a response. It is a disgrace.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
An overseas representative at Chase Bank illegally and illegitimately flagged my account for fraud and charged off my account after I requested to speak to a supervisor. Chase now refuses to correct the issue, and has been holding my money for more than a week. Chase refuses to investigate this employee or undo this. Chase 's rogue employee has severely damaged my business, my credit, and has violated innumerable laws. The complaint originated because Chase has not been recognizing deposits or transfers from other banks in a timely manner, and has thus charged overdraft and associated fees. Additionally, Chase was requested multiple times to stop charging an administrative fee which did not even apply to my account. Since this fee was never removed or credited, all of the other overdraft fees are invalid, since once reapplied, the account was in a positive balance at all times. Additionally, at the time of the closure and charge-off, Chase was in receipt of more than {$3000.00} in direct deposits and instead of recognizing them in a timely manner as proscribed by law, they instead closed and charged of the account, and only recognized the deposits at XXXX, subsequent to them flagging, and charging off my account. This all happened in a XXXX hour period overnight.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent a dispute to the bureaus regarding a late payment I don't believe I was completely 30 days late on ; it has been 1 time so it shows that my payment history is exceptional! When the bureaus didn't respond to me in the 30 days they were legally supposed to, I sent another dispute on XX/XX/XXXX. Again, 45 days go by with no response from the bureaus ; it is now XX/XX/XXXX and yet AGAIN nothing from any of the bureaus! I'm well aware there have been delays due to the global pandemic, but having no responses from the bureaus since I started in XX/XX/XXXX ( 5 months of disputing ) is not okay by any means!

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 2021-03-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Made purchase at Best Buy in XXXX for {$27.00}, never received a statement, went to Best Buy to inquire balance & pay, in XXXX unfortunately they were closed indefinitely due to COVID-19, i tried to navigate the computer system & was denied, .I called & was stuck in the phone system going around in circles, I finally received a statement from XX/XX/XXXX, that I received on XX/XX/XXXX, late of course, Best Buy / Citibank feels I should pay close to {$70.00} in late fees. Ive called several times explaining this & they are unwilling to accept my original payment due of {$27.00}. This is completely unfair

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 monetary relief
Consumer complaint received 2016-07-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 2016-12-22
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have repeatedly disputed unauthorized inquiries on my credit reports with Experian, XXXX, and XXXX in regards to inquiries by XXXX, XXXX, and XXXX. I even went so far as to send letters to the companies with the dates of the inquiries and requesting they be removed as I did not authorize them. 
From the credit bureau disputes, all I get over and over is " its factual '' and nothing is done. From the letters, I get the same thing. I have been a victim of Identity theft not once but at least 3 times. I have put security freezes on my ss number and still I have all of these inquiries. Not XXXX of these companies can show me a signature proving I authorized these inquiries and I want them removed. 
I know that there is a civil remedy available to me, however I would really rather them just do the right thing and take the inquiries off of all XXXX reports. I am not in the habit of suing people I just want it fixed. 
Please assist if possible.

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 2022-11-03
Company: Stellantis Financial Services US Corp.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In XXXX, I drove my XXXX XXXX XXXX XXXX vehicle to the XXXX XXXX dealer in XXXX MD because they said they can help me trade in my vehicle for a new XXXX car of the same model. I was just getting over XXXX and needed most of the work to be done before I got there. As far as I was concerned, it was a trade and the lender was First Investors. Later, after driving my new car, I saw XXXX showing on my credit report. I spoke to someone today who is telling me my XXXX car was auctioned off by the dealer and did not get rolled in to the loan as a trade. I am not sure what shady dealings went on but something obviously is not kosher. I never had a reposession and I am quite sure I would know if my car was impounded. The dealer and First Investors did something shady but now I am told XXXX XXXX has the debt of XXXX and it is showing on my credit report. I demand someone explain what they did but they need to STOP showing it as a reposession because it was not. I drove it there! 
XXXX XXXX in XXXX, MD and First Investors did this shady deal and they need to be held accountable for doing this to innocent people.

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 2022-10-27
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2021-03-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX experian not reporting my rental credit b/c they dont get paid victim of ID theft give me the right to report accurate informaion FCRA law and rules so please report 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 explanation
Consumer complaint received 2016-08-31
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX different alias and XXXX social security numbers listed in my credit report that are not mine. 
I only use XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX The following social 's reported are not mine : 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 2016-06-09
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I allowed someone to sublet my apartment XX/XX/2013. They did not pay the final amount due on my XXXX bill. A debt collector called me a couple months later and I paid the debt. Today, I got a call from a collector saying I owed XXXX for my debt. I told him I paid it and he asked for proof. I do n't have proof because I was assured that I settled the debt. I paid the XXXX again. I just do n't want this to keep happening to keep ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: AAS Debt Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a letter stating that I wanted to validate the debt they then turned around and stated it was a payment agreement in no way was it an agreement and payment plan like they stated. I asked for information to let me know what the debt is to give me time o validate. At this point they are making false statements. I do. It have a contract with any third party billing as well. Not one. Taking my documents to ask for validation is not a legal or even ethical statement or payment plan. At this point I will be contacting a lawyer. They are intentionally misrepresenting and making false statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, 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:
15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Bridgecrest Acceptance Corporation
State: GA
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 to the Fair credit reporting act This creditor ( Bridgecrest ) has violated my rights. Under 15 USC 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account with out my written instructions. Under 15 USC 166b a creditor may not treat a payment on a credit card account under and open and consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is a collection item on my credit report for XXXX. I can not even remember if I have used XXXX in the past. If I did it had to have been over 7 years ago because I have been with XXXX XXXX for so long I ca n't even remember. There is not anyway I would have left a balance with XXXX. I have not been provided with any documentation that supports this amount

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX conti The last WF rep did not return my XXXX return calls. 

ext XXXX XXXX XXXX. 

XXXX XXXX never called back. 

For the record. 

Loan should have never been initiated, the in house WF loan officer pressure me to close the loan, threatening litigation. XXXX XXXX XXXX can easily be found on linkedin https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The builder has since gone bankrupt. XXXX XXXX XXXX XXXX XXXX  The term of the loan were made very difficult and I asked for some leniency that was denied. 

I eventually closed out the loan sold the property. 

WF sent me a XXXX XXXX and an apology for their fraudulently behavior and pretended that it was due to inappropriate issue related to a CHECKING account linked to the HELOC loan. The Checking account is only a diversion from the issues. 

WF has offer to resolve the issues in mediation. Round one claimed that I accepted resolution for all issue when only issue discussed during mediation was the checking- very unhanded.

So please have WF mediate the real issues and compensate for their fraudulent activity as it relates to the HELOC Loan. Thank you

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 2016-08-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent Experian a request to investigate errors on my report back in late XXXX. Nearly three months have gone by, and they have not responded yet. I have even sent follow-up letter, to no avail.

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 2017-03-16
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls at different times in th emorning, from XXXX XXXX to XXXX. Trying to collect a debt that is ten years old. Saying it is a business call and to plese hold in the line. Refusing to say from where they 're calling when i first talk to them. Refusing to stop calling after i have made clear i do not wish to be called anymore. i have paid off one account with this company and they refuse to report it to the credit bureaus

Company response to consumer: Closed with non-monetary relief