BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My agency recently conducted a background investigation on me that included a criminal and credit check. The credit report revealed a collections item from XXXX XXXX that is over 20 years old ( XXXX ) The debt was settled and closed several years ago. When I purchased my home XX/XX/XXXX, this debt resurfaced. I disputed the debt and had it removed from my report then. Now, nearly 10 years later, this issue is resurfacing. I work for a financial regulatory agency and fiscal responsibility is a condition of employment. TransUnion is the only Bureau that shows this item in collections. The fact that XXXX XXXX is allowed to report on an account that has been closed over 20 years AND TransUnion accepts this report is egregious. XXXX XXXX continues this post mortem debt reporting because they have not been held accountable. My employer is threatening removal if this is not resolved in 30 days. I need to get this matter resolved expeditiously and some level of assurance that XXXX can not continue these predatory practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX SS # ENDING IN 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 2015-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America abruptly closed my account and kept my funds.I woke up XXXX XXXX XXXX 2015 only to find out my online banking access was disabled.I then traved to my nearest Atm to try to withdraw my funds only to find that my card has been blocked. I tried calling but all i got was scripted message from the CSR with no real explanation. These are terrible business practices and down right discriminatory.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: NRA Group, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have called to explain that this is not my debt, and to have removed from National Recovery Agency, on XX/XX/2021. They all were very rude and hung the phone up in my face. I asked for a Supervisory and she was not helpful at all. The amount is {$620.00} Ref # XXXX. I have also filed a dispute with XXXX. I am request this debt that is not mines be removed from my credit file and my score retuned back to 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 2015-07-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I opened a XXXX MileagePlus XXXX Chase Visa account XX/XX/XXXX. From XX/XX/XXXX to XXXX, I used to log in monthly on my personal chaseonline.com account to pay my current balance charges. 
I started receiving Chase direct marketing emails to invite me to set up automatic payment, which I did. I set up the automatic payment XX/XX/XXXX on my Chase credit card. By default, Chase automatic payments are setup with the minimum monthly charges and does n't mention clearly the second option you can select for " Full Amount Due ''. 
I 'm French and I 'm not aware of such options. So I have n't paid any attention to this option until I realized today that I had monthly purchase Interests charges since XX/XX/XXXX. This morning ( XX/XX/XXXX ), I had a current balance of {$26000.00} for which I 've already paid {$1300.00} fees!!! I called Chase Client service, explained the situation, paid immediately the current balance ( over $ 26k ) to show them I have money and this was a huge mistake from account setup ( precisely their " automatic payment '' options ) but they declined all responsibilities. I 've asked them why they do n't contact customers when such customers reach those past overdue balance. Their answer was " we have too many customers to serve so we do n't call nor contact any customers for any reason ''. I feel they stole my money as it 's clearly a matter of their " setup '' on their online interface to mislead customers. 
My desired solution is at least to get reimbursed the last Purchase Interest Charges of {$310.00} for XX/XX/XXXX, charged on XX/XX/XXXX ( so 1 day before I contacted them ). I kindly asked them ( the " manager/superior '' I was put through ) to help sort this out as I immediately paid all current balance charges to prove them my honesty. They declined again. 
I 'd like to complain about this scam and get money back from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage loan with Specialized Loan Servicing, LLC was paid off in XX/XX/2021. On XX/XX/2021, Specialized Loan Servicing, LLC notified me that release of mortgage would be sent to the county recorder 's office. On XX/XX/2021, I contacted XXXX XXXX County where the property is located and was told they have not received mortgage release document. After that, I contacted Specialized Loan Servicing, LLC numerous times and opened two tickets, XXXX and XXXX. As of today, my issue has still not been solved. It is very frustrated and difficult to work wit

h Specialized Loan Servicing, LLC as their mortgage dept refused to take any direct inquiries and everything have to go through either front desk or opening ticket. It is almost three months since my loan was paid off and my communication with Specialized Loan Servicing, LLC yields no results. I have to request CFPB to step in to help me solve this issue. Thanks

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 2015-11-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am filing a complaint to ask Chase Bank to extend time for my checking account. I have checked my account and I see there is an additional fees. I have avoided any and all charges until I clear up my checking account. I would appreciate a call from Chase Bank confirming that that will be done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We are a law firm that represents Hurricane XXXX Victims. We have achieved a settlement for our client. We are listed as a payee on the settlement check as well as JP Morgan Chase. JP Morgan Chase refuses to endorse the check so we may recover our contractually obligated fees and expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: CA
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 want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please update this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Payoff process

Complaint:
on XX/XX/2016 XXXX paid off my balance to CHASE credit card. of $ XXXX.they, chase rep. confirm the payment and I owe no money to them.i keep getting bills from chase chase .keep insisting that I pay $ XXXX.my account remains open dispite the fact I told them to close it in XX/XX/XXXX ..their interest rate is too high../credit card number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: IN
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:
# 1 : In XX/XX/XXXX XXXX XXXX reported to the credit bureaus my account was in collections. This continued until XX/XX/XXXX. 
This information was FALSE and damaged my credit score. 
To this day, I still have never been notified our account was ever sent to collections. 

# 2 : XXXX XXXX charged off my account in XX/XX/XXXX for {$7900.00}, yet still continues to report to the credit bureaus monthly increases and late payments to my account. The account balance is now {$11000.00}. 
They are still trying to damage my credit score fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Me XXXX XXXX XXXX XXXX and my daughter ( XXXX XXXX XXXX s state taxes have been intercepted by XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX collection agency, Financial Asset Management Systems INC ( FAMS ), addressed at XXXX XXXX, XXXX, GA XXXX # XXXX. The year of XXXX, XXXX XXXX started making {$25.00} payments and was able to get the original bill amount of {$1800.00} down to XXXX. XXXX XXXX then paid the remainder balance of {$1200.00} on XX/XX/XXXX because FAMS stated that we would receive all back pay of State Taxes they confiscated from both of us. We never received anything. This as been a long drawn out process that should have never happened. Theres also 2 different account numbers on one account which shouldnt be. Acct # XXXX ( {$1800.00} ) and Acct # XXXX ( {$1200.00} ). We both are due a refund because they have been overpaid. Please help. Thank you in advance. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have submitted disputes on fraudulent accounts. I have also contacted the companies to receive documentation that I have signed or authorized the accounts. The companies has not provided such documentation, yet fraudulent accounts has not been removed from my credit report, which is greatly affecting my life. I have followed all steps by submitting my correct identification to identify myself and have fraud alerts on all bureaus. I would like the fraudulent accounts removed as they do not belong to me. XXXX has removed all fraudulent accounts, but TransUnion and XXXX has not removed the accounts. Please see accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account was removed from my XXXX report then added back with no documentation from the company.

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 2021-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Good morning : I notice several inquiries that I have no knowledge of the inquiries consumer report. It seems that these alerts are inquiries. I didnt not give any consent to anyone. Pursuant to 15 U.S.C. 6821 - Privacy protection for customer information of financial institutions. I am allowing no more than 3 business days for this to be removed and cleared up. I dont know what is going on. I am proceeding to litigation if this matter isnt resolved. I am exercising my rights as a consumer and a natural person. I am demanding that this matter is resolved no later than Friday. I am enforcing that remedy in the amount of {$2000.00} is sent to me as to my rights of privacy has been violated. This is insane. Please mail a check in the amount of {$2000.00} due to the fact of my privacy being violated. XXXX XXXX, XXXX  XXXX XXXX, Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
As per  XXXX  from Navient on  XXXX   XXXX ,2017 she has advised me she will HARASS my family and friends by phone every day until a payment is made. My name is the ONLY name associated with the account so they have no right to harass anyone. I considered this a threat.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 paid my balance in paid and when it updated it did not show my correct balance.

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 2015-08-20
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Other fee

Complaint:
quite some time ago possibly XXXX years I opened a united milage card with chasein XX/XX/XXXX iI opened a united mileage plus explorer card with chase which has more benefits i was told. I verbally asked to have the XXXX card closed. they did not close it as requested. in XX/XX/XXXX i realized i still had XXXX accounts and asked to have to closed and my mileage combined. i cut up my original card. i checked in XXXX XXXX and found united still had not combined milage which they said they would do. I few days ago got a new card from chase for the old susposed closed account and called chase getting he run around from XXXX and XXXX and a supervisor XXXX XXXX saying the card fees could not be refunded. I asked for her manager - she said none available but i would be called back next morning - next afternoon i had no call so again called for manager was told all busy and now would be called back in 3 days. XXXX card fees were taken out of my bank account even though only XXXX card was used. XXXX fees were taken out previous year as well. i wish XXXX fees refunded. 
My father is a retired XXXX XXXX. I am a XXXX times XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-09
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: Credit inquiries on your report that you don't recognize

Complaint:
It is a fact that I am a consumer. 
Inquiry from XX/XX/XXXX by XXXX XXXX is being reported on my consumer report by TransUnion. I have contacted credit reporting agency ( TransUnion ) of this matter on XX/XX/XXXX via telephone.

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 2023-02-24
Company: MARINER FINANCE, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I opened a loan with Mariner Finance LLC in XXXX. I only made one payment and I was not able to make in other payments due to a hardship related to COVID -19. I recently contacted the XX/XX/XXXX company to try and see if there were any settlement options for me due to my hardship and since I was ready to try and settle this account since now I am in a better financial position. They said no you dont qualify for any settlement options because you only made one payment and the second payment was returned NSF ( due to my hardship COVID -19 I couldnt make additional payments ) you dont qualify for any settlements thats our policy. On XX/XX/XXXX I received an email were it clearly states that theres settlement options for me and even shows me a principal balance of XXXX I called the following morning to discuss the email and again they stated there was no help for me because I didnt fall with their policy guidelines. They didnt even take my hardship into consideration. Even the manager asked me clearly you filled a complaint I said yes with XXXX XXXX XXXX. Like she was surprised. Nowhere in the email does it state I may not qualify for settlement options I even read the fine print. This email is misleading to me as a consumer and having no settlements options for me its even harder to comprehend due to my hardship. They didnt even ask me if I had proof of my hardship nothing the representative also stated this is a yearly CAMPAIGN this is why you received the email, however we cant assist you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
This Affidavit and Notice Complaint is being filed on behalf of the consumer with the Consumer Financial Protection Bureau for a more transparent investigation. The debt collector XXXX XXXX XXXX has used the consumer 's promissory note in a fraudulent manner in association with the disputed CFPB [ Case No. XXXX ] and this has become an issue where the debt collector has independently provided as verification false statements and representation ( please disregard the option used impersonating attorney etc., as this was the best option ) of a fraudulently endorsed promissory note during an investigation with the Consumer Financial Protection Bureau which has completely condemned and denied the consumer to complete and accurate information.

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 2020-10-06
Company: Experian Information Solutions Inc.
State: NY
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:
as previously notified, I am a victim of identity theft

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 2016-05-08
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Other

Complaint:
I purchased a family vacation package for {$5100.00} from XXXX Vacations that was outright fraud. XXXX refused to acknowledge my letter and has not responded to these issues so I disputed this charge with my credit card company American Express.

Company response to consumer: Closed with explanation