BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On Wednesday XX/XX/2021 at roughly XXXX XXXX I got a Robo call and did not pick it up, I got another one immediately answered it and was told it was so and so ( I can't remember his name ) from Chase XXXX I said no it's showing as a Robo call. He said that was strange but to go into my caller and click on the info, when I did it showed as Chase and the number that is on the back of my debit/credit card. This man told that a woman named XXXX in XXXX had stolen my account information and set up an auto draft with XXXX XXXX. In order to stop the auto drafts was there an email address not currently tied to my Chase online banking accounts? I gave him an email that I rarely use and I started getting emails from XXXX XXXX backing up everything he was telling me. He told me that we needed to close my checking and savings accounts so that this person could no longer auto draft the funds and I would need to first XXXX transfer all the money in both accounts to my other email address. Once I did that I would be getting a 6 digit access code from XXXX XXXX. When I got that code I needed to confirm that number to him so they could verify my identity and ensure that my original account was untied to the XXXX XXXX auto draft. 

The second I gave him the code, the money in my accounts was gone and so was he. We had been disconnected once in the call prior, but he called me back in less than 10 seconds. I EVEN said, I swore this was a scam, but when he called back was assured. I never gave him any of my financial information, XXXX, XXXX, or anything like that. I had no clue that Chase didn't call you, and even more so that they wouldn't call from their customer service number. 

I reported the issue to Chase as fraud, but found out today, because I XXXX  myself the money, they are not reimbursing the funds. I also called XXXX XXXX as I thought they would like to know someone is using their company name to scam people out of money. They wanted nothing to do with the situation and offered me no assistance what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Credit Plus 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: Report provided to employer without your written authorization

Complaint:
Hello, I checked my credit score and received inquires on my account that I did not receive any credit card or morgagte or anything from these places I checked and seen all inquires have been on my account which is hurting my score and I have not received the product and did not hand sign a application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Account information incorrect

Complaint:
Nissan Motor Acceptance Corporation XXXX XXXX XXXX XXXX, TX XXXX account # XXXX In early XX/XX/XXXX a Nissan Motor Acceptance Corporation representative agreed by phone to allow a lump sum payment to be applied to multiple future monthly installments payment on my auto loan. The lump sum payment was a credit from cancellation of extended warranty service that I had not intended to purchase in the first place. I cancelled the extended warranty shortly after my vehicle purchase.

There were actually two of these payments applied to the principal of my auto loan ( account number above ). One for {$1200.00} on XX/XX/XXXX and another for {$1300.00} on XX/XX/XXXX. I requested that the Nissan representative have the second of these payments applied/posted to regular monthly installment payments for XX/XX/XXXX and XX/XX/XXXX and this was confirmed during that telephone phone call. 

Without any communication or notification from Nissan both of these payments/credits of XXXX and XXXX, were applied directly to the principal of the loan rather than what was agreed. Apparently, Nissan either does not have a policy or ability to do what was agreed or chose not to do it for my particular installment loan. I was given no notification, but found out when logging into the customer online portal. I immediately brought the account current as soon as I realized that these principal payments had been made rather than scheduled as installment payments. 

My account is showing a 30 day late with all three credit bureaus. I have tried to file disputes with XXXX, XXXX, and XXXX directly, since this his having an adverse effect on my credit and will prevent me from obtaining a mortgage. I have had numerus phone calls with Nissan Motor Acceptance Corporation to rectify this situation and it has not been resolved. I plan on consulting with an attorney and take whatever action is available to me if Nissan refuses to resolve this matter amicably and rectify their mistake/oversight. 

Please let me know if any further information is required for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

COLLECTIONS XXXX {$1200.00} XX/XX/XXXX XXXX {$610.00} XXXX XXXX CR XXXX {$44000.00} XXXX XXXX {$170.00}

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 2016-11-16
Company: ALLY FINANCIAL INC.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Due to a divorce, I was late with my car payments from XXXX XXXX and my vehicle was repossessed. I spoke with a customer representative and paid the amount I was told needed to be paid ( {$2200.00} ) in order to get my vehicle back and make the account current. Once I was financially stable, I continued to make my monthly payment on time through EFT ( based on due date and grace period given by Ally Financial ). In XXXX XXXX, I noticed that my monthly statement started listing late fees and I called to inquire as to where these fees were coming from. I was so concerned that I actually made XXXX payments in XXXX XXXX and XXXX XXXX, to insure I was up to date with all my payments. After numerous attempts to get an answer, I sought out assistance through a financial counselor. The counselor also attempted to call and straighten the matter out and was first told that all my payments for the past 7 months were a month late and that is where the late fees were coming from. While looking at my current statement and the payment history the company had provided me, the counselor asked customer service about my XXXX XXXX payment and was told it was paid on time and in full ( which tracking back through my payments means I am not a month behind but current on all my payments ). Customer service has never been able to fully explain where the late fees originated and my monthly statement does not show that I am behind.

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 2021-09-29
Company: EQUIFAX, INC.
State: TN
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:
Upon checking my credit report I found that there are fraudulent inquiries on my report I reach out equifax to fix the problem but they did not investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Experian Information Solutions Inc.
State: IL
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 pulled my credit report and notice that " XXXX XXXX '' is reporting inaccurate late payments on my account. I tried reaching out to the creditor and no one was able to help me out. I'm asking that you please update these payments on my account as Paid on time. As it is harming me from opening new credit lines. Thanks in advance Dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Credit bureaus ( Experian and 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 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 pulled my credit report and notice that " XXXX XXXX '' is reporting inaccurate late payments on my account. I tried reaching out to the creditor and no one was able to help me out. I'm asking that you please update these payments on my account as Paid on time. As it is harming me from opening new credit lines. Thanks in advance Dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Credit bureaus ( XXXX and Transunion )

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 2022-05-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It als states a consumer reporting agency can not furnish a account without my written instructions.

21.1K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a XXXX purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
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:
I've tried to correct this account on many occasions and its becoming a headache. It's causing me much distress. Those accounts are unrecognizable to me. They are not mine.

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 2021-09-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
To whom it may concern, on XX/XX/XXXX, I paid my Chase Amazon credit card balance in full, for an amount of {$1100.00}. On XX/XX/XXXX, I discovered Chase had charged me this amount TWICE. I know I was charged twice, as my checking account balance decreased another {$1100.00}, and the two transactions had two separate ID numbers. 

I called Chase immediately on XX/XX/XXXX to tell them their system had charged me twice, and to refund the extra {$1100.00} they had charged. The response was it would be refunded " soon ''. However, I have called every single day since then, and Chase has not taken a single step to return this money. The representatives just keep saying : " soon '', " soon '', " soon ''. 

Taking 30-40 minutes out of my day to navigate their automated system, and explain my situation each time, has been a tremendous inconvenience. 

Likewise, {$1100.00} is a significant amount of money ; to have this taken from my account " in error '', and held on to for a week is a terrifying experience for someone may have been reserving that money for rent or a car payment. The fact that they can uproot someone's life like this, and take no action to remedy the situation, is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 report XXXX XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. It also States consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit report XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. It also States consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit report XXXX XXXX  Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. It also States consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit report XXXX XXXX XXXX XXXX XXXX Account Number XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. It also States 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 2016-08-27
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: Balance transfer

Complaint:
This is my second instance for the purchase interest being charged in the same card ( Chase Sapphire Preferred ). I have previously submitted a complaint regarding this and that was resolved and i was promised that there wont be any interest on the 0 % balance transfer till i do n't make any additional charges on my card. 

My XXXX statement did n't have any interest charges but i check my XXXX statement and they put a {$14.00} interest purchase. I have made no purchases on my credit card during my biling cycle. I tired of calling Chase again and again over the same issue. So I am directly reaching out to you. I want that charge to be removed and also waive {$95.00} annual fee for causing this mental harassment for ( Its only fair since they charge customer hidden fees-Tthankfully i check my statement regularly ) .I am sure there are other customers who dont even notice the corrupt practices my banks. 

Also charged interest on another card ( XXXX XXXX ) when they will charged me the annual fee even though it was a i pay it back the next day. Its not my mistake that the annual fee was charged. That charge in unavoidable to they should n't be charging an interest on that. This happened because they put an annual fee and not because i made a purchase. This practice is to mint money and interest out of customers even though regularly pay their minimum due on 0 % apr offers

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I was on the phone very long with trans union and finally a representative came on the phone to supposedly resolve my issue, however, they simply gave me the run around about doing a phone verification, but never did it after XXXX additional calls and long wait times again they finally informed me that they cant get it done.

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 2016-11-12
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Other fee

Complaint:
I applied for and received a credit card from Chase. I called the number they provided with the card to activate it, which was XXXX. I was told that the activation system was down and they could not activate the card at that time, but they offered to send me a {$100.00} gift card as a token of their appreciation. I said, OK. Then they said I would have to pay a {$4.00} handling charge. I asked if this was a one-time charge and the person said, yes. 
He then, very quickly, read some terms and conditions. From this, I gathered that they were signing me up for some type of service, which would have a monthly fee, because I heard him say I could cancel by calling them at a later time. A that point I told him I did not want this and to cancel it. 
I then went to their website and was able to activate my card immediately. So, I believe they were lying about their activation system being down. 
I believe this is a scam to sign up customers for some type of monthly service with ongoing charges. This seems similar to what XXXX XXXX was doing and possibly worse because it appears to me that they are lying to their customers in order to sign them up for services they do not want. 
Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Have a XXXX card that Wells Fargo funds. I have claimed chapter XXXX bankruptcy now it is final. they were notified from the court that the account was discharged. and they call everyday. XXXX isn't that harrassment?

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 2021-09-29
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company ( Credence ) has continually harrassed me by calling my phone number daily ( M-F ) sometimes twice daily. I finally asked them to take my number off the list because I am not the person they are trying to reach. I only received this number because I changed my original phone number. Therefore I am certain they are searching for the person who previously held it. 

As of now they continue to harrass me. They have even resorted to changing area code from which they are calling. 

They have called on : XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX pm XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX : XXXX XXXX  XX/XX/XXXX from XXXX at XXXX : XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX : XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX Please run a full examination on this account name and number because it does n't look right and delete this account from my credit report. 

XXXX XXXX I am disputing this account in its entirety because I feel that it is a violation of the Fair Credit Reporting Act. Please check with the furnisher of this account and make sure it is 100 % accurate and verifiable and delete it from my credit report. 

XXXX XXXX XXXX XXXX Please investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX I do not believe I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX XXXX XXXX Please run a complete investigation on the account name and number because I feel it 's not accurate and discard this account from my credit report. 

XXXX XXXX Run an investigation on the assigned date and last activity date because this does not match my records. This account is passed the statute of limitations as well. Please remove this collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
MIDLAND CREDIT MANAGEMENT IS ILLEGALLY DOUBLE REPORTING THIS DEBT THAT THEY SAY I OWE FROM XXXX XXXX WHICH IS ALSO SHOWING ON MY FILE AS A CHARGE OFF. IT IS ILLEGAL TO DOUBLE REPORT SOMETHING. I WOULD LIKE A VALIDATION OF THIS IN WRITING ALSO

Company response to consumer: Closed with explanation