BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 had a student loan for over 7 years and for over 7 years I have NEVER SEEN MY REPORT WITH 16 OUTSTANDING LATE PAYMENTS because I always handle whatever the company needed from me before tax time. Now the debt has been closed and given to the government to pay I asked several times, trough a goodwill letter to remove the bad remarks from my profile and stop reporting the account inaccurately and wrongfully. The account has been closed since XXXX of XXXX but the reports of bad payment started XXXX of XXXX up until now XXXX of XXXX that's 14 late payments wrongfully on my report. Please remove this I have closed the debt to move and this is putting even more hardship on me during the pandemic

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 2022-10-13
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This company has left many messages with my place of employment. When i called they say my companies number is listed and that is why they called it. This is 100 % false, my cell number is the only number listed with any medical provider. They have called 2 times a day for nearly a month, they have shared my personal information with our answering service on multiple occasions. 
I filed a complaint against this company previously as they were harassing me on my cell phone and they never even had my proper identifying information. they had the wrong birthdate, address, and email none of which associated with me. I have since been forced to pay this as they continued to call my place of employment despite being told to stop calling them in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card
Issue: APR or interest rate

Complaint:
I discovered what I believe to be an unlawful increase in my annual percentage rate somewhere between the dates of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Two things occurred during this time ; first a large payment of {$1500.00} was made and second, the impending sale of Washington Mutual to Chase. I was never notified of any increase to my APR by Washington Mutual or Chase. If I had, I certainly would have cancelled the credit line immediately and paid off the remaining balance. I continued to pay my bill each month but unfortunately, I was not aware of any change till XXXX of XXXX, at which point I made several calls to Chase. In these conversations, I informed Chase I would no longer make payments till this error was fixed and all interest collected recalculated. At this point the balance on the account was {$660.00} and the total interest accumulated since the increase to my APR was {$390.00}. I informed Chase I would gladly pay the total less the interest, cancel the card and move on. Chase 's customer service could not answer any questions regarding the matter and I was essentially at a dead end with my dealings with Chase. Since I refused to pay until Chase either cooperated in answering questions regarding the change in APR or come to an agreement to settle the account, the account went on collecting interest and fees and at some point the balance reached {$960.00} and I believe they charged off the account. 
I 've since had a few correspondences with XXXX XXXX in the Executive offices of Chase. 
And here is the gist of those. 
She said they ( Washington Mutual ) were justified in raising the interest rate to a default APR under section XXXX " you fail to pay any amount due to us under this Agreement or any other agreement. '' There are two things I would like to point out. 
1. I did not " fail '' to pay. The payment was made. It was " late '' by a couple weeks, however nowhere does it say that I ca n't make a late payment. ( Note that it was n't even 30 days late and never was ). 

2. The second thing I would like to point out to you is under section XXXX ; " If a change is made that increases the APR or APRs that apply to your Account, you will be given an opportunity to avoid the change by closing your Account and paying off any existing balance under the terms in effect prior to the change. '' Washington Mutual did NOT give me the opportunity to do either of these things. 

Chase continues to report negative information to the credit bureaus which has cost me thousands of dollars due to increased interest rates on things such as my mortgages and car loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: Experian Information Solutions Inc.
State: MO
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 had a student loan for over 7 years and for over 7 years I have NEVER SEEN MY REPORT WITH 16 OUTSTANDING LATE PAYMENTS because I always handle whatever the company needed from me before tax time. Now the debt has been closed and given to the government to pay I asked several times, trough a goodwill letter to remove the bad remarks from my profile and stop reporting the account inaccurately and wrongfully. The account has been closed since XXXX of XXXX but the reports of bad payment started XXXX of XXXX up until now XXXX of XXXX that's 14 late payments wrongfully on my report. Please remove this I have closed the debt to move and this is putting even more hardship on me during the pandemic

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 2020-03-18
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a call from a XXXX area number that said he was from Huntington National Bank and that I needed to go into my nearest branch. So I phoned the customer service number because I am in XXXX  due to the XXXX  XXXX. The phone banker said my account was locked out but did not say why. 
After telling her my story that I have been advised to stay XXXX  due to the XXXX  XXXX XXXX she came back on the phone and said she was " Wrong '' that my account was not locked out, the phone call was just to tell me the XXXX XXXX XXXX branch would be closing. 
I come to find out later while I am doing my taxes that indeed, my account is frozen. 
I have tried calling several times, and just keep getting the same story that I need to go to the bank, even though I would be putting my life in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXXE XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2016-07-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Buyer for my townhouse has outstanding credit applied for conventional loan with XXXX on XX/XX/2016. He was approved immediately for the loan. Our closing date was set for XXXX XXXX, then XXXX XXXX, then XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and now XXXX XXXX. Chase has not explained why and refuses to return calls to me and the buyer. This delay has now caused hardship on several different people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed and they bank says I owe the $ XXXX when they allowed the funds to be transfered out of my account and those same funds were redacted by the scammers days later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Navy federal credit union will not allow me to access my online bank accounts. They require five questions for online security, but the questions are all overly specific and do not apply. They will not allow me to write in my own questions, nor opt out of the security question system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I cancelled the card on XX/XX/2019. I was charged XXXX on XX/XX/2019 ,XX/XX/19 ,XX/XX/19, XX/XX/XXXX. XX/XX/19 XX/XX/19

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-18
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: Information belongs to someone else

Complaint:
These are not my accounts, nor did I authorize these inquiries to be pulled.

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 2017-05-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I contact Wells Fargo on XXXX XXXX 2017, informing them of my hardship and requested help with monthly minimum payment. The rep suggested that I could give the car back mess my credit up and still have to pay the balance. I like her know that I was able to make a payment just not the required monthly payment of {$390.00}.

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 2022-03-26
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX : Placed online purchase from XXXX XXXX XXXX, for wrench. Price - {$72.00} XX/XX/XXXX : Received Damaged and " Empty '' paper USPS shipping envelope. Contacted XXXXXXXX XXXX XXXX  and explained what happened. XXXX XXXX asked that I send pictures, which I did via Text message. XXXX XXXX acknowledged that envelope appeared damaged. XXXX also said that they would be filing a claim with the USPS. XXXX XXXX XXXX order # XXXX XX/XX/XXXX : Called Chase Bank to file charge dispute for missing merchandise. 
XX/XX/XXXX : Received request from Accounts Payable Branch of USPS, but the letter was dated XX/XX/XXXX. I called their department, and they admitted that the letters were going out late! The letter asked for the original shipping envelope, which I submitted to local USPS the next day, in XXXX XXXX, CO. The most important fact about this, the envelope had a Green USPS sticker on it. The " Attention Customer '' sticker had " Received Damaged '' and " Received without Contents '' checked! 
XX/XX/XXXX : Provided XXXX, at USPS, the damaged shipping envelope. 
XX/XX/XXXX : Received letter from Chase Bank, saying that they Denied my claim, and the Only reason given was that the Merchant shipped the wrench. They made absolutely No mention of the fact that the actual merchandise Never arrived! I appealed the decision. With the appeal, I provided a letter with everything that had happened, and a picture of the USPS envelope, with USPS Green sticker. 
XX/XX/XXXX : Received Denial of claim from USPS, stating " Per our conversation the claim was denied under the mailer 's account. They were sent a denial letter on XX/XX/XXXX and has not filed an appeal as of today. '' I don't doubt that Haus of Tools probably received their letter from the USPS Accounts Payable Branch over a month late, just like I did. XXXX, at the USPS in XXXX XXXX, said that he had several customers that complained about the same experience with late claims letters. 
XX/XX/XXXX : Received letter in regards to Chase Bank appeal, Again stating " the transactions are valid and will remain on your account balance. '' At this point, it's beyond belief that I am being forced to pay for something that I Never received, through Absolutely No Fault of my own! I feel that I have done everything that I should be required to do, and I should not be victimized twice!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
It 's been told to me as I understand it that XXXX XXXX Institutions are requiredfor consumer concerns that within institution must be posted acknowledgement and/orrecognition of Office of Consumer Currency [ OCC ] and/or provide contact # Consumer Compliance Division ... nor FCPB ... .neither of which is provided. When asked for in XXXX XXXX, XXXX XXXX Senior Premier Banker, Vice President, Regional expressed no such ideaof any such agency that I was describing but offering outlandish excuses about myconcerns.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Please Review these Accounts that is on my credit, these Accounts are inaccurate I did not give any Authorizations on these Account. I'm a victim of Identity Theft I would Like this situation to be Resolved.. 
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 2021-01-12
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX  XXXX  XXXX  and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX I sent a notice of dispute to Wilshire Consumer Credit. This letter was sent via USPS Certified Mail with return receipt ( # XXXX ) and was signed for by XXXX XXXX on XXXX. 

Subsequently I filed disputes with the XXXX major credit reporting agencies, requesting that they investigate the accuracy and completeness of the account. 

On XXXX Wilshire sent correspondence acknowledging my dispute. Their correspondence indicated their belief that they were reporting accurately and their refusal to delete or modify the reporting. 

On XXXX I received investigation results from XXXX indicating that the " account remains ''. 

On XXXX I received investigation results from XXXX indicating that they " verified that this item has been reported correctly ''. 

On XXXX I received investigation results from XXXX indicating that " new information '' was reported. 

Despite their continued verification, none of these credit reports were updated to indicate my dispute of the completeness and/or accuracy of your reporting. 

XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. XX/XX/XXXXs-2 ] ( a ) .3 of the FCRA states " If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' Again, this was not done. I 'm sure Wilshire is aware of the consequences of violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations their company is now responsible for. If not, let me point them out for you : FCRA 1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. XX/XX/XXXXs-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. 
XXXX. XXXX. Procedure in case of disputed accuracy [ XXXX XXXX XXXX ] ( XXXX XXXX Treatment of inaccurate or unverifiable information. 

XXXX. Civil liability [ XXXX XXXX XXXX ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} I have made numerous attempts to resolve this matter. Wilshire has continued to sent form letters which do not appear to be specific to my individual situation.

Company response to consumer: Closed with explanation