BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
XXXX XXXX. 2015 Chase Bank charged my account {$34.00} for an NSF fee. The account had a balance of {$780.00} and XXXX XXXX debits came in. XXXX for {$100.00} and the other for {$1000.00}. Chase paid the larger item first thereby allowing them to charge XXXX fees of {$34.00} each. 
The {$100.00} debit should have been paid XXXX and the {$1000.00} XXXX. This would benefit the consumer and Chase would not be able to charge for XXXX NSF items. Chase paid the larger item XXXX and therefore allowed them to charge XXXX fees of {$34.00} each. I called and asked Chase to refund the {$34.00} for the {$100.00} ACH debit. I was denied. 
Chase 's reasoning is that they had done the allowable courtesy refunds to my account for 2015 and was unable to perform any additional courtesy refunds on my account. 
Why is paying items when they come in based upon the money on hand considered a courtesy. I understand perfectly the charge for the {$1000.00} as the deposit covering that ach was not credited until XXXX/XXXX/15. I want my {$34.00} XXXX to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: NJ
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 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 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 2020-08-11
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
3 Medical collections on my credit report without my knowledge from ( XXXX XXXX XXXX  XXXX : Credit Dispute XXXX XXXX XXXX, XXXX, PA XXXX Phone : ( XXXX ) XXXX )??? how? I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. Don't waste my time by partially responding to this demand. I am demanding under my consumer rights that you send meALL the following documents to me. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide the following or delete from my credit report. 

Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: KINGS CREDIT SERVICES
State: HI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Used XXXX Services XXXX, live XXXX. I have XXXX XXXX insurance. Used XXXX for Emergency. XXXX XXXX mailed billing information to an old address not used. I provided at time of service my current address. Collection agency said they could not collect from XXXX residence as they are not licensed XXXX. Paid the bill, and have repeatedly asked for the the entire file showing mailing dates with responses so I can recoup my {$460.00} from XXXX for the service. No Response from King Credit, XXXX. Frustrated with their lack of concern.

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 2022-05-18
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: Account status incorrect

Complaint:
Experian- I have already complaint to Experian. 
I disagree with investigation that Experian does on credit investigations. It seem very poor everytime throughout my experiences. 

My close account XXXX XXXX account with XXXX XXXX. This was a XXXX closed end lease on a XXXX XXXX that I open back On XX/XX/XXXX. XXXX and terminated in XXXX, XXXX. 

I made several payments ahead before nearing the end of my auto-lease. I was current in XX/XX/XXXX, Current XX/XX/XXXX and current in XX/XX/XXXX, and returned the vehicle to the nearest dealership, which was XXXX Texas, XXXX dealership which is 8 miles from my house. The original dealership was 35 miles in XXXX Texas where I leased and picked up the vehicle. The Rep on the phone, explained to me to return to the nearest dealership and that is what I did. 

I was not late on my payments in XXXX, XXXX or XXXX. I never had possession of the vehicle past XXXX XXXX, yet I got mark with LATE paymentS which are fraudulent and incorrect. 

I am requesting those on my credit report also be removed from the XXXX XXXX thru XXXX and XXXX. 

Experian is still showing my auto lease as still Open, when it should be closed. 

I subimitting proof of my double payments records that was kept towards the last 3 months from XXXX XXXX, history Website. I paid ahead to close the lease early in XXXX, and returned the vehicle 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 explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE 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:
XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine. 

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXXXXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX BANK XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquiries from 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 explanation
Consumer complaint received 2020-08-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
To Whom it Might Concern, I bought three items in best buy in which two of the items are defective. Best Buy fail to send me new items and the XXXX XXXX and the XXXX XXXX by XXXX. Both items cost me over XXXX USD. I decide to sent the items back and I have been talking to Best Buy to get the XXXX label and they fail to resolve the problem. Best Buy wants me to take responsibility to ship the item back. 

Also, I had a 24 months finance brake and they are charging me {$23.00} fee every month for no reason. 

Everyone who buys from Best Buy should be extremely careful.

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 2016-06-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2016 I deposited {$1200.00} in cash into an ATM and received a receipt stating that I only deposited {$21.00}. This occurred at approximately XXXX pm at XXXX XXXX XXXX XXXX, Texas. After speaking with several Chase representatives who have misguided me, misinformed me, and have behaved coldly and disrespectfully to a loyal customer, my account has yet to be corrected. 

XXXX dollar bills ( {$400.00} ), XXXX XXXX dollar bills ( {$800.00} ), and XXXX XXXX dollar bill ( {$1.00} ) were deposited into a Chase ATM. After depositing my cash the receipt returned via the machine read that I had deposited only {$21.00}. I immediately called customer service. After being told by a Chase representative that the correct funds would be placed in my account within 24-48hrs, I then asked if it was okay for me to leave the ATM location and was told yes. 

On XXXX XXXX, 2016 I received my " credit '' of {$1100.00}. Without prior warning or notice, on XXXX XXXX, 2016 Chase proceeded to withdraw the {$1100.00} from my account. 

This erroneous debit of funds has caused my Chase account to be overdrawn by the amount of $ XXXX. I called customer service promptly at XXXX to resolve the issue. A large sum of money has essentially been taken from me without explanation, remedy, or even the most basic level of customer service offered. 

I have spoken with not XXXX, but XXXX, supposed high-level employees who have screamed at me, yelled at me, and have accused me of threatening to sue. Something that has never been and continues not to be an intention of mine. The customer service I have received at Chase bank is absolutely unacceptable. 

Throughout this process I have proven myself a loyal and trustworthy customer. When {$1100.00} was initially returned to me, I could have withdrawn the money and closed my account if I had ill intentions. I did not. I have responded immediately at every stage of this process to get it resolved and yet despite having done nothing wrong I have been treated extremely poorly and now have the additional stress of a negative account balance. I deposited {$1100.00} and I ask that {$1100.00} be added to my bank account. Nothing more and nothing less. 

The lack of empathy and simple, " there is nothing else we can do you have exhausted all of your options '' explanation is unacceptable. I know that this is not an isolated incident as there are various reports of ATM machines miscounting money, which is what I assume occurred in this case as well. 

I am a responsible, upstanding, and honest person. I have been a customer of Chase Bank for years and I am NOT a thief ; nor am I mistaken about the cash I deposited. I do not have the resources in my life to cover me when my bank mistakenly takes {$1200.00} from me. 

I was even asked by a banker why I decided to deposit cash and why I chose such a late hour. Im a full-time employee and full-time student!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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 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 2022-05-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 agency 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 c open end consumer credit plan as late purpose. 
+ 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 2022-05-18
Company: EQUIFAX, INC.
State: NJ
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 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 2020-08-11
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today ( XX/XX/2020 ) I tried to pay my mortgage online as every month. Our servicer was switched without our knowledge from XXXX XXXX XXXXXXXX to Specialized Loan Servicing. They failed to even notify us in time, there were several hick ups which I complained about before but those have been resolved. It is way too hard and COSTLY to make a payment over the phone and with any question about our foreberance plan we never wanted to be in ( we never missed a payment but can't reach anybody over the phone ), I tried to make a payment online. 
Paying online should not be hard. This awful company required me to change my password. After I changed the password, I was asked to verify my account with a code sent to my cellphone. After I changed my password, and verified the code, I was once more asked to verify yet another code. After that I was asked to write down a 16 digit code for future verification. By that time my blood pressure must have been through the roof. It should not have been this difficult and lengthy to make a payment. So I called them and hit # 4 for technical problems online to make a payment to find out why I had to change my password in the first place. Of course the person on the other line had a heavy foreign accent ( that was to be expected ). It is hard to believe what she told me : if I only log one once a month ( which is hard enough so I don't plan on logging into my account more than once a month ), I have to change my my password and go through the lengthy verification process every time. This is unacceptable. It seems like they want to make it as difficult to make a payment, as 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 explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: AZ
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 wrote a letter to all 3 credit bureaus ( XXXX, XXXX, and Equifax ) on XXXX about a Judgement ( Bankruptcy ) that is currently on my report. In a previous letter from them all they revealed that they verified my bankruptcy using XXXX. In the recent letter I sent to them, I attached a letter from XXXX stating that they have completley removed the Bankruptcy from my report, and even went further attaching the section of my XXXX report where they could see that it has been removed. In this letter I requested that they remove this from my report as well, being that the company they verified my infomation through removed it. I recently recieved a letter back from them stating that this account will remain on my report due to the information being verified as accurate. They did not give details of how they recently verified this accuracy of my infomation. Unless they can provide another souce of verification, I can only assume they used XXXX in which this account no longer exist. I would like to make a complaint against XXXX, Equifax, and XXXX and proceed in the removal of this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I CLOSED THE ACCOUNT TWICE AND PAID THE FULL AMOUNT DUE AND THEY CONTINUE TO KEEP THE ACCOUNT OPEN AND CHARGE ADDITIONAL FEES. THIS IS FRAUDULENT PRACTICE AND NEEDS TO BE INVESTIGATED. MANY PEOPLE HAVE THE SAME ISSUE WITH AMAZON 'S CC SYNCHRONY AND YOU CAN NOT ANY RESPONSE ALSO FROM THEI CORP OFFICE AS WELL. THEY JUST IGNORE ALL AND CONTINUE TO SEND STATEMENTS.

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 2022-05-18
Company: Experian Information Solutions Inc.
State: AZ
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 wrote a letter to all 3 credit bureaus ( Experian, XXXX, and XXXX ) on XXXX about a Judgement ( Bankruptcy ) that is currently on my report. In a previous letter from them all they revealed that they verified my bankruptcy using XXXX. In the recent letter I sent to them, I attached a letter from XXXX stating that they have completley removed the Bankruptcy from my report, and even went further attaching the section of my XXXX report where they could see that it has been removed. In this letter I requested that they remove this from my report as well, being that the company they verified my infomation through removed it. I recently recieved a letter back from them stating that this account will remain on my report due to the information being verified as accurate. They did not give details of how they recently verified this accuracy of my infomation. Unless they can provide another souce of verification, I can only assume they used XXXX in which this account no longer exist. I would like to make a complaint against XXXX, XXXX, and Experian and proceed in the removal of this account on 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 explanation
Consumer complaint received 2016-06-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
The Chase investment has incurred a fee every year for last 2 years and I was told that this fee is for keeping the account open every year in spite of the fact that my Chase account holds Chase mutual funds so it seems that Chase Bank is double-dipping where it is earning fees from my funds and charging me a separate fee to hold the account open. They claim it 's okay for them to assess fees in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank will not take care of many fraud charges on several claims from out of country charges and slapped foreign fees to all of them in addition to many other unauthorized charges. I have been in the hospital and under a XXXX care not in XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Chase auto loan sent me a paper lien satisfaction and have not remove the electronic lien on my title stating that they didnt have enough time to file it properly hence why they sent me a paper satisfication. When I took the letter to the dmv, they stated I need XXXX XXXX XXXX dba XXXX XXXX XXXX to remove the lien electronically and the paper lien from chase is no good. Mean while my current auto loan that i refianced the car with XXXX XXXXs charging me XXXXXXXX XXXX  a month till i can get this lien removed so they can place theirs. XXXX can not find the lien. This has been on going issue all of 2022 with no fix in sight

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
one of my store credit card decreased my credit limit from {$4000.00} to {$200.00} on a report from Transunion indicating 1. lack of Real Estate secured loan information ; 2. too few Accounts Paid as Agreed ; 3. Too few accounts paid as agreed and 4. Delinquent or Derogatory status on Auto Accounts is too recent. I take issue with all 4 as my 2 card were all paid in a satisfactory matter as I was never late and 2. there were two auto loans on my account and one was paid off that was also NEVER LATE. In addition, by them decreasing my credit, my Score dropped 19 points. I have never experienced a credit limit decrease. Something is not right here.

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