BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: JPMORGAN CHASE & CO.
State: CA
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:
Chase bank XXXX XXXX card : BUSINESS CARD ( ... XXXX ) in name of XXXX XXXX Activity ended XX/XX/XXXX and card was unused for a year. IN FACT, I DON'T EVEN HAVE THE FULL CREDIT CARD NUMBER OR KNOW WHERE TO FIND IT. 

On XX/XX/XXXX, charges were attempted. These were reported as Fraud. The card was no longer active at all and all following activity should be XXXX. However, Chase has added illegitimate payments and {$40.00} fees every month since I reported fraud. 

I called in XX/XX/XXXX to report the fraud that began XX/XX/XXXX. The customer service rep acknowledged the fraud, but filed my report without completion, and lied that it was complete. Actually they only took responsibility for some of the charges and fees, and began adding new illegitimate fees on top every month after. 

This forced me to call back on XX/XX/XXXX. The second call was refused by the XXXX department, telling me that a fraud charge made on XX/XX/XXXX was not fraud, even though I had already reported it in XXXX. 

This charge is post-dated after the fraud charge from XX/XX/XXXX and can not be mine. 

Chase bank is violating my consumer rights by : ( 1 ) Adding illegitimate late fees ( 2 ) Failing to complete the first fraud report in XX/XX/XXXX, and lied that it was complete. 
( 3 ) Refusing to fix their mistake when I reported the same problem on XX/XX/XXXX. 

I demand that Chase stop adding illegitimate fees on my now closed account after I've reported the same fraud twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX Check # XXXX was written in the amount of {$140.00}.

On XX/XX/XXXX, BBVA Compass debited my account {$410.00} for check # XXXX.

I called BBVA Compass customer service on XX/XX/XXXX and asked that it be corrected. I was told it would be fixed and my account would be credited the {$270.00} in 24-48 hours. My account was not credited.

I called BBVA Compass customer service back on XX/XX/XXXX, and was told it would actually take 5 business days. My account was not credited in that time, either.

I called BBVA Compass customer service back onXX/XX/XXXXand spoke with XXXX. I immediately asked for a manager and was subsequently put on hold for over 30 minutes. After over 30 minutes of being on hold, the manager, " XXXX '' would not speak to me. I was told AGAIN, they would credit my account the {$270.00} that they erroneously took out 15 days ago, in 24-48 hours.

I still do not have my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Innacurrate and fraudulent inquiry on credit report from XXXX/XXXX. Transunion refused to move even the information is innacurrate and the company sent letter to them to remove.

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 2021-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXXdays later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: McCarthy & Holthus, LLP
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Attached to this complaint is a copy of a debt validation notice we received on  XXXX   XXXX ,   XXXX  , and dated  XXXX   XXXX ,   XXXX  , from the debt collection law firm  of McCarthy Holthus  in  XXXX  WA.     We dispute the validity of the debt identified in the notice and we will be sending a formal debt validation request and dispute letter direc tly to McCarthy Holthus within the 30-day period of receiving this notice. McCarthy Holthus should  cease and desist all collection activity and threats of judicial foreclosure until they have validated a debt, provide proof of creditor status and provide a complete accounting of all individual amounts, which would include a ny 3rd party payme nts made towards this loan from obligors and other parties. Evidence of any electronic transfers of the note should be provided as well to establish who is entitled to receive payments.     The notice is a threat to deprive of our property with the statement, Even though the judicial foreclosure process is being commenced an d may proceed during the 30-day period In this notice, McCarthy Holthus provides a false statement that    XXXX   XXXX   XXXX   XXXX   (   XXXX   XXXX   ), is t he current creditor to whom the debt/loan is owed.  XXXX  has never extended credit to us and has no economic interest in promissory note.  XXXX  is only a servicer debt collector.     In a previous notice ( attached with this complaint ) sent to us by  XXXX , they stated that  XXXX   (   XXXX   XXXX   ) w as the creditor to whom the debt was owed.      McCarthy Holthus  and  XXXX  are violating the FDCPA that they must comply with.      XXXX  is not a creditor per the FDCPA   XXXX   XXXX   XXXX    803. Definitions [ 15 USC 1692a ] As used in this title -- ( 4 ) The term " creditor '' means any person who offers or extends   credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.       XXXX   XXXX   XXXX   Sect ion 803 ( 4 ) defines " creditor '' as " any person who offers or extends credit creating a debt or to whom a debt is owed. '' However, the definition excludes a party who " receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. '' 1. General. The definition includes the party that actually extended credit or became the obligee on an account in the normal course of business, and excludes [ 53  Fed.  Reg. 50102 ] a party t hat was assigned a delinquent debt only for collection purposes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: World Acceptance Corporation
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I previously submitted a complaint through this site and received a response both online and via mail. Yet I still receive phone calls NUMEROUS times nearly daily. They have now transitioned to calling me from new phone numbers and harassing me despite my attempts to have them stop. If this isn't stopped, I will be taking legal action to stop the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
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: Personal information incorrect

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. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Freedom Mortgage Company
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since   XXXX   I have attempted to make additional principal payments on my mortgage. These payments have been continuously misapplied, and in several cases, when rectified as to where to apply them  ( after lengthy phone calls ), the interest was misapplied on the next months payment, instead of the date the   payment was received  ( as the Note calls for ). I ma iled additional principal payments to the address as identified on the back on my mortgage statement and specifically stated principal curtailment. These payments were not applied to principal, instead were applied to my regular payment ( which I have auto pay/withdraw done by the mortgage company ). After speaking with   XXXX   XXXX  , they advised to mail to  three  different addresses :  one in  Fishers, IN,  one in   XXXX , OH, and most recently in  XXXX   XXXX , NJ. Unfortunately, the problem remained the same for each of these addresses ; principal curtailment payment improperly applied to next months mortgage statement. Freedom Mortgage Company states there is no way to do this electronical ly ( either on their web site or electronic transfer ), and by phone mortgage company charges a {$15.00} fee per transaction. Customer service states that additional   principal curtailment amounts can not be applied to monthly payments unless they remain same each month.  Freedom Mortgage  also failed to make tax payment ( despite having bill and their syste m showing four payments per year ) th is  XXXX , and resulted in interest being charged . Freedom has since  paid taxes and supposedly paid interest, however I am not sure until I see a statement from municipality showing account is clean ( no further interest  due ). Obviously this company can not handle simple tasks as principal curtailment and tax payments. I did not choose them and my mortgage was sold to them. All of these are violation of the Mortgage Note, as well as fraud relating to improper application of interest as required by the Note.

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 2022-09-15
Company: EQUIFAX, INC.
State: AR
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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
Money was sent to a Coinbase to purchase a cryptocurrency GYEN. After buying that stock the company shut down from selling it or trading to another coin.A coin was falsely traded to jump up And made to fall down losing thousands of dollars. While they froze my account. This is a complaint against Coinbase and Coinbase pro to refund my 50 grand spent in that stock.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX shows a LATE payment in XX/XX/2020 which is NOT accurate.

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 2022-08-15
Company: EQUIFAX, INC.
State: GA
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:
The credit bureaus never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this. 

Also, they have violated my rights even more! 

In accordance with the Fair Credit Reporting Act, everything has everything must be 100 % accurate on my credit report. 

The credit bureau 's stated my accounts were properly investigated, but how is that possible if the last active dates and dates last reported are inaccurate? This is grounds for removal.

They also violated the law because according to : 15 U.S.C. 1681 section 602 A. States that I have the right to privacy 15 U.S.C. 1681 section 604 A, Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

I did not give anybody any written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I mailed a Multipl e Inquiry R emoval Letter by certified mail and the dispute was open on  XXXX   XXXX ,   XXXX  . I dispute d 1 inq uiry that were being reported inaccurately on my Transunion Credit Report. The dispute was open on  XXXX   XXXX ,   XXXX   and completed on  XXXX   XXXX ,   XXXX  . The request I submitted conta ined 1 hard inq uiry that was not factual and I received the response for the inquiry that read Inquiries listed on your credit report are a record of the companies that obtained your credit information. I am trying to see how a company was allowed to access my credit report without my permission. According to the FCRA rule s, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated. If you do not investigate AND respond, the CRA MUST DELETE the disputed information on file. The fact that a response was generated in 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I am submitting this complaint due to the lack of investigation into my original dispute for a hard inquiry that does not belong to me. I did not sign for anything. The inquiry does not belong to me. This is unfair practices by a credit reporting agency ( Transunion ) with no concern for the credit worthiness of a consumer.

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 2021-11-20
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please advise that this is a continuation of CFPB complaint number XXXX. I previously contacted Comenity/Victoria 's secret advising that I dispute the account listed on my credit report under FCRA 623 XXXX a ) ( XXXX ) ( D ). At this point my issue has still not been resolved and this company has left me no choice but to file a lawsuit in the state of Georgia due to their unwillingness to delete the inaccurate account that they have included in my credit report, which has damaged my credit rating and caused emotional distress. 

This company previously responded stated that they will not delete this account because they're required by law " to report factual information ''. They stated that they will update the account to discharged in chapter XXXX bankruptcy instead of as a charged off account. First of all, I have never had a bankruptcy. Secondly, this account was updated on my XXXX credit report on XX/XX/21 as a charged off account in the amount of {$71.00}, which is completely opposite of how this account was " allegedly '' supposed to be reported. According to Comenity Bank/Victoria 's Secret, they are required " to report factual information ''. However, none of the information they have reported is factual. 

This is my final request to have this account removed from my credit report. If I get another pointless response saying this account has been " verified '', this will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit files, namely XXXX, XXXX, and XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Synter Resource Group, LLC.
State: FM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We received collection notice from Synter Resource Group, LLC ( SRG ) advising balance due of {$2100.00}. We called the freight company ( original creditor ) XXXX XXXX XXXX, spoke with their accounting department and confirmed no outstanding debt is owed and our account is in good standing. XXXX XXXX XXXX further advised they do not have any business relationship with Synter Resource Group , LLC . 

We've attempted to contact SRG several times leaving voice mails for XXXX XXXX and XXXX XXXX to call us back to discuss matter unsuccessfully. Regardless of the time of day, no one picks up telephone numbers listed in notice.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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 belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report and Bureaus letter last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-04-28
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Experian is reporting inaccurate information on my credit report and it causing unfair treatment and a judgment on my character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
As a continuation of my complaint (  XXXX  ), I was unable to dispute  Nelnet 's respo nse because both CFPB  and Nelnet 's web sites were being upgraded this weekend. Following my initial complain t, Nelnet offered me a Revised Repayment Plan, which they had never previously offered or m entioned to the amount of $  XXXX . That is still a payment that is too high for me. My wife and I file taxes jointly, which seems to greatly effect my income-based repayment plan. She has her own student loan balance of $  XXXX  to pay  ( which I sent proof of with my required income-based repayment plan ). The re p on the phone assured me that if I sent proof of her student loan responsibility that would greatly decrease my income-based payment. That did not happen. After proving my wife 's income, having her own loan balance, a child, and a house, not enough came off of my monthly payment to actually make it continuously payable.     This is a predatory and truth withholding industry that will crash like the housing market did. I get the sense that they know this and are trying to make as much money as possible before their ultimate demise.

Company response to consumer: Closed with explanation