BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-01
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Other

Complaint:
Chase has issued a XXXX to me for debt that is not mine ; I have no known liabilities with Chase. I 'm assuming the debt regards a personal Visa credit card account once held by my deceased wife, that the company now insists was a joint account, though the source of the alleged liability was not described. A XXXX was also issued to her name ; later a XXXX request for her own taxpayer identification was sent. 

Under the assumption that the defaulted debt in question was, in fact my wife 's credit card, I researched what records I still have on hand back to the 1988 origination date and am convinced that Chase has made an error with regards to account ownership. I am attaching my letter to Chase along with a number of supporting documents that suggest the existence of joint liability in this regard stretches credulity to absurdity. 

Yet, I can operate only under assumptions, as Chase has provided no historical evidence of the debt beyond the assertion that it I share it jointly with my former wife, who 's tax identification is still unknown to it. 

Insofar as the XXXX will impact my personal tax filing and financial aid determinations for XXXX sons who will be attending college next year, I am hoping for rapid resolution of the matter in hopes that their education will not be impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: JPMORGAN CHASE & CO.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
{$12000.00} For ONE Year of College In 2007, I was a XXXX with my sights set on college - and only {$20000.00} standing in my way. I received a colorful advertisement in the mail from Chase Education Loans promising the bright future I was so desperately seeking, and snagged the opportunity immediately. Sure, I read the fine print - but at XXXX, I did n't quite understand the meaning behind " variable interest rates '' and signing away my soul. I wanted to go to college, and Chase offered the solution. Problem solved! 

During my first month at school, I received a piece of mail from Chase - my first piece of mail addressed to my dorm! I opened it up, and sat down in shock as I read the numbers printed on the paper - My {$20000.00} loan was in deferment until I graduated, but would continue to accrue interest during that time period. Over 30 years, I would end up paying {$100000.00} in interest - that 's a grand total of {$120000.00} for my XXXX year of college. 

Once I 'd obtained my XXXX and my loan came out of deferment, I was sent a bill with a whopping total of {$34000.00} to start paying on - and a minimum monthly payment of {$330.00}. Out of that {$330.00}, only {$30.00} goes towards the principal of the loan - meaning I 'm paying {$300.00} a month in interest. 

Drowning seems to be the only way to describe how I feel when faced with the reality of my situation - although helpless, ashamed, and depressed are right up there as well. After 3 years of making payments on this loan, I have n't even scratched the surface - my statement this month says I still owe {$34000.00}. The total has n't gone down despite paying every month, it 's gone up! 

I 've tried educational counselors, financial advisors, loan forgiveness programs ( unavailable to private loan occupants ), renegotiating the terms of my loan with Chase - you name it, I 've tried it. I feel desperate and frustrated all at the same time ; I went to school to provide a better future for myself and my family, and yet I 've put myself into a predicament that I ca n't seem to climb out of. I 'm desperately trying to make something of myself, and yet my student loan for ONE year of college is truly making it impossible for me to move forward! 

Times are tough for everyone - in a struggling economy, we 're all just trying to make it from paycheck to paycheck. My goals in life, however, are stymied by the weight of the decision I made at XXXX - the decision to believe and trust in a company as prosperous as Chase so that I could go to college and accomplish my dream of a degree. 

Thank you for reading my story - and hopefully learning from my mistake! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: RentDebt Automated Collections, LLC
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: Account status incorrect

Complaint:
I created an account to monitor my credit and was surprised to see a collection on my credit profile that was updated to paid when it was to be deleted with payment. When this balance was addressed I was informed it would be removed from my credit with payment. With further research, I find that I should have been allowed a statutory period in which to dispute the validity of this debt since it was not my debt to pay. Due to the fact that I was not provided the option to validate the debt and the fact that I was advised it would be deleted from the credit bureaus with payment, I would like this collection removed from my credit due to erroneous, mdeceptive collection practices. 
Thank you XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, Capital one sent me an email informing me that my account was being closed and that my money would be transferred to an external account. After a month went by, I filed a complaint because they were still holding my {$4500.00}. They responded that they wouldnt transfer it until all disputes were closed. All disputes have been closed and they are still holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: EQUIFAX, INC.
State: MN
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:
I have accounts under my credit report that are in FCRA Violation. I have contacted these credit companys numerous times to fix this they they are continuing to violate my rights. 

XXXX XXXX is continuing to be reported verified with no proof from neither company. They began reporting on my account on XX/XX/2020 for the balance of {$3900.00} XXXX XXXX XXXX is continuing to be reported verified with no proof of verification from neither company. They began reporting on XX/XX/2020. This company is also on numerous violations and these investigations that the Credit bureau claim that they are doing, is unacceptable and could be facing a lawsuit. 



These need to be removed from my report and is negatively impacting my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 sent certified mail to Transunion, XXXX? And XXXX  to provide information on XXXX XXXX, XXXX, XXXX  which is showing 2 inquiries and all 3 companies are failing to provide me information on my hard inquiries and disregarding my certified mail

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 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
Several entries were left on the credit reports after two formal written notices regarding the erroneous items that are seemingly the results of identity fraud. 

The information was disputed again and has not been verified. 
The credit bureaus ( TransUnion and XXXX ) have openly admitted on a recorded line that they do not have a contract that was required to be on file within 7 days of reporting the erroneous information. The communications repeatedly lead to nowhere and are causing undue pain, stress and suffering as a result of the derogatory information found in my credit reports and resulting inability to get the financing that I need. 

I have the notarized copies and certified mail receipts for each interaction and would like to exercise my right to take legal action if the matters are not resolved.

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 2023-01-31
Company: EQUIFAX, INC.
State: LA
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 XXXXXXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 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 2021-01-06
Company: CITIBANK, N.A.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report had dropped severely in early XXXX - I looked into it and found a credit account that had been opened that I did not open or know about. I learned it was opened in XX/XX/XXXX - an ExxnMOBIL/CBNA credit card. I reported it as fraud and it was closed in XX/XX/XXXX, but it still shows on my credit account as an account under my name that had late payments. It is still affecting my credit score.

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 2015-09-25
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In process of obtaining a mortgage loan, there were errors on the credit report that was obtained. We filed for bankruptcy XX/XX/XXXX and bankruptcy was discharged XX/XX/XXXX. After the bankruptcy, the credit report was obtained. The first error ; was on the XXXX mortgage stated ; foreclosure proceeding started XX/XX/XXXX ; conventional real estate loan, including purchase money first. The second error was on the XXXX mortgage, stating charged off ; XXXX mortgage. Both were filed with the bankruptcy chapter XXXX. The third error was a judgment that has a status that was NO SATISFIED, that was also filed under bankruptcy chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: FC HoldCo LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
XXXX made a error and send my ssn to different banks without my consent and flagship credit made hard inquires on my credit report with out my consent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
As a responsible individual, I understand the importance of maintaining a good credit score to secure financial stability and future opportunities. However, life can sometimes throw unexpected challenges that take a toll on one 's financial situation, resulting in missed payments and increased debts. Due to unforeseen circumstances, I have recently gone through a hard time that has impacted my credit score negatively. I fully recognize the gravity of this situation and am actively seeking ways to rectify it. I understand the significance of having a clean credit report and the effect it has on my overall financial health. Therefore, I am making every effort to clear my debts and make timely payments to improve my credit score. I am writing to you regarding the matter of the debt assigned to me by XXXX XXXX XXXX on XX/XX/XXXX, originally amounting to {$890.00}, also assigned XXXX XXXX, XXXX originally amounting {$590.00}. I am also writing reguarding XXXX XXXX XXXX XXXX assigned XX/XX/XXXX original amount owed {$840.00}, also date assigned XXXX, XXXX XXXX original amount owed {$260.00}. While I understand the need for medical providers to collect and maintain patient information for purposes of treatment and billing, I want to bring to your attention a growing concern that has become prevalent in recent times. This pertains to the unauthorized sale of personal data by companies without the knowledge or consent of the individuals concerned. As a consumer, and a patient of XXXX XXXX XXXX, I have the right to expect that my personal information is protected at all times and not misused for profit-making purposes. In fact, the Health Insurance Portability and Accountability Act ( HIPAA ) of XXXX  was enacted specifically to safeguard the privacy of personal health information. I am disappointed to learn that my data may have been sold without my consent, and if that is the case, I urge XXXX XXXX XXXX to review its policies and practices to ensure that they are fully compliant with HIPAA regulations. The unauthorized sale of personal data is not only unethical but also illegal, and I strongly believe that no company should profit from the exploitation of sensitive information that belongs to its customers. I am committed to resolving this issue in a fair and amicable manner and would appreciate your cooperation in ensuring that my rights, as well as those of other patients, are respected and upheld. Thank you for your attention to this matter, and I look forward to hearing back from you soon.

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 2021-01-06
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call daily and say I owe a debt, but can't exactly tell me the name of the company as they say it's been sold to them so it would be a different name. 
they called my previous employer as well. They use many different phone numbers but most say Convergent. I have paid many 3rd party debt collectors so I do not owe anyone at this time. They call non stop all day- they have also called my mother and son looking for me and saying I'm in legal trouble if I don't call back asap/ Threaten me to the point I don't answer anymore. Some numbers they call from are XXXX XXXX XXXX. They are violating so many of my rights and even calling my previous employers to let them know to reach out to me as I'm in big legal trouble. 

XXXX XXXX XXXX XXXX XXXX cell

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 2016-03-29
Company: JPMORGAN CHASE & CO.
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In applying for a home loan it was discovered I have a public record, from 2010, for XXXX XXXX which is no longer in business. I did confirm with the courts that this appears to be a collection from Providian National Bank which is no longer in business. The courts have no documentation/affidavit that I was ever served with this judgment. There is a garnishment on file with a company ( XXXX ) that I have never worked for. I do n't have any documentation or validity of this debt. No one can seem to provide me with any information or documentation that this debt belongs to me. This judgment is also listed in my nickname, not my legal name. I would like this judgment removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Today, XX/XX/2016. I visit the M and T bank in XXXX, XXXX MD often. There is only XXXX tellers working and sometimes XXXX which cause the. I went in there one time it was a teller working the drive thru and window. The line was extremely long today and there were only XXXX tellers working. XXXX teller was working the drive thru and the window. The lady behind the glass said it is the first of the month, that is more reason they should have more than XXXX teller at the window. I understand that it is the XXXX of the month, but I have gone to this bank at other times and it only XXXX teller working the window and the other at the window. It is frustrating and others complain as well. I am considering doing my banking at a different bank. This particular bank happens to be closer to my job. For better customer service it is worth it. I am writing for those XXXX people, and working people that my not have a choice but to use this bank. I hope something can be done soon. I hear this particular bank is always like this. I told the bank manager, I assume that 's who she was, that this is not right. Then she began waiting on customers. I hope this helps and hopefully M and T bank will employ more tellers.

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 2016-04-02
Company: M&T BANK CORPORATION
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
M & T bank is profiteering and gouging its customers by charging fees for basic industry standard services that are available elsewhere for free. The current industry standard way to connect XXXX software running on a customer computer to a bank 's system is via XXXX XXXX. This is replacing the old XXXX method. All the other banks have changed over to this method and is offering this industry standard method of connection for free, except M & T who wants to charge $ XXXX/ month to use this industry standard method of connecting and downloading my banking transactions with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In XXXX of XXXX I discovered an unknown credit card account listed on my XXXX credit card report via my XXXX account. I checked it out via experian and noticed it was on there as well. It is a XXXX card. I have never used XXXX or have ever had any sort of account with them. I created two disputes through Experian on XX/XX/XXXX and XX/XX/XXXX. The dispute did not result in anything and the account is still on my report. It is now saying that I can no longer view dispute results online. I have tried calling multiple times and everytime I reach a person, the call is disconnected before I can share any information or make any progress. According to experian, the account showed up in XX/XX/XXXX. I made a personal statement on XX/XX/XXXX requesting a fraud alert. I also uploaded my legal name change documents on XX/XX/XXXX because I thought that may have something to do with the issue. Soft inquiries were conducted on the XXXX account on XX/XX/XXXX and XX/XX/XXXX according to Experian. The account is luckily in good standing but the card usage seems to constantly be close to the limit. It has a report of a high balance of {$1200.00}. The limit is {$1000.00}. The current balance on the card is {$940.00}. I have been working really hard lately to improve and take control of my score. I just want to figure out how to get rid of this unknown account and do not want it to continue to impact my score. I will provide any paperwork necessary. I know when there is a name change in the mix, things can be confusing, but I do not want to be responsible for an account that is not mine. 

Best, 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 explanation
Consumer complaint received 2015-05-05
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I recently had a very troubling experience with Mand T Bank. There 's a long history with XXXX accounts in my children 's name that was started about XXXX to XXXX years ago when they were in XXXX school. They 're young adults now. I had XXXX accounts with M and T, but the trouble is only with my XXXX minor children 's acounts. 

These accounts were originally XXXX seperate CD 's, started with XXXX XXXX. The starting principle was {$1000.00} in each account. These were idle accounts where money was simply " parked ''. About seven or eight years later, XXXX XXXX was taken over by M and T Bank. The XXXX accounts had grown to about {$1200.00} because of the accrued interest. At some point, M and T Bank started charging and auto-debiting {$10.00} per month from my XXXX children 's accounts, that were now M and T " savings accounts ''. I was never made aware of the charges, had no idea this was going on. No one from M and T called to alert me to the monthly drain on these XXXX idle accounts. Just a yearly " sign to keep active '' notice. 

My wife and I have or are responsible for roughly XXXX-XXXX small accounts in savings/checking/education/401k 's, and IRA 's with various banks. They include my wife 's ageing and ailing parents accounts, who are/were at poverty level income ( XXXX now deceased ) and maitaining their meager property, and caregiving as well. We have much to deal with on a daily basis. Although we received sporadic account statements from M and T Bank, the charges and declining balances on these XXXX accounts were not noticed. 

I only became aware when I saw my XXXX year old son 's name listed in the local news paper that had a listing of unclaimed property held by the State just last week, XXXX 2015. M and T Bank closed that account which I believe is now about {$820.00}. 

I was stunned that this could happen to anyone, let alone a minor. I am still waiting to here from M and T Bank on this matter. 
I appreciate any help or guidance you can give Thank You,

Company response to consumer: Closed with explanation