BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-08
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When recently checking my credit report I noticed that Focus Receivables Management was on my credit report. I don't recognize what this debt is and where they are trying to collect from. I have not received anything from this company about any potential debt that may be owed and I don't recognize the company they are collecting on behalf of and have never had service with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage with Chase acct. # XXXX which was sold to XXXX acct # XXXX. In XX/XX/XXXX they force placed insurance on my account and for YEARS I sent that I had had proof of insurance and they kept misapplying my payments towards escrow shortage rather than my mortgage & charging late fees. Finally in XX/XX/XXXX I spoke to someone with some sense and they mailed a check to me for theforce placed insurance. SInce in the interim they had sold th loan to XXXX ( Now XXXX ), when they sold the loan they transferred the incorrect amount. Therefore when I would send my payments to XXXX they kept returning them to me stating the payment was not enough to cover the debt. 
Chase sent the reimbursement check made out to XXXX AND THEY ( XXXX ) STILL returned the check to me stating it was n't enough. 
I finally thought that this nightmare was over last year, but it has continued to be an ongoing nightmare and my account keeps accumulating late fees & my payments continue being returned with them stating it is not enough to cover the debt. I have had to hire an attorney who also gets the run around. I have contacted the attorney for XXXX and even he can not get an answer from XXXX. 
XXXX states that they can not waive the previous late fees and misapplied funds because that it what was sent to them by Chase. 

What I need:1 ) Chase to correct the misapplied payments, remove the late fees, update the credit bureau and report the correct balance to XXXX. 
2 ) XXXX to waive the late fees, update my credit bureau apply the escrow credit balance and accept my payments for all of the payments that I have sent & have returned to me. I have this amount in my account and just want this nightmare to be over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: MS
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:
Experian is still in violation of the FCRA by not removing the inaccurate XXXX account from my consumer report! They have not complied with my most recently submitted complaint submitted through the CFPB portal! Ive requested validation and copies of how they verified the information as being reported accurately, and Ive never been furnished any documentation. They are also reporting the entire account inaccurately by having contradictory charge-off dates! You have XXXX and XXXX as the Dates. You cant have both. The account number is also partially listed. Thats not complete accuracy! Everything has to be completely listed in order to verify the accounts accuracy! Nothing about this account is accurate!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX and I am submitting this complaint without any influence from any outside sources. Please make sure you open my attached documents as it contains my request and all proper identification.

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 2021-01-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I filed an Identity Theft Declaration claim with Chase Bank dated XX/XX/2020 and followed their directives. Chase opened a fraudulent checking account for deposit of a {$44000.00} fraudulent small business loan they approved. Chase used my personal data from accounts I had with them in XXXX. I filed a report with my local Sheriff 's Department. Chase has been unresponsive to my submittal.

I contacted IdentityTheft.gov and submitted a report. Per IdentityTheft directive, I faxed Chase an other letter on XX/XX/XXXX for a request for Records Pursuant to Section 609 ( c ) of the Fair Credit Reporting Act and dropped a hard copy at the local Chase XXXX XXXX branch. Chase has been unresponsive to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have three accounts with Comenity ( Bread Financial ) that have not been accurately reported since XXXX of 2022. I have disputed this information with the credit bureaus and have yet to receive a response. It is showing I still have balances on these accounts impacting my score negatively. Today I have attempted to send a message and I keep getting an error saying there was a " glitch '' that my message couldn't be sent. One of the accounts has been closed since XX/XX/XXXX and they have not updated my report to reflect this either. Comenity also refuses to answer there phone lines it seems as I have waited hours multiple times to have this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
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:
On or about XX/XX/XXXX XXXX XXXX reported private information to one of my partners ( XXXX ) which has and continues to cause me financial harm. I have lost an estimated {$14000.00} ( {$1200.00} weekly ) due to this unauthorized reporting. In accordance with the FCRA, XXXX is in violation of : 15 USC 1681 section 602 which states I have a right to privacy. 15 USC 1681 section 604 also states a consumer reporting agency can not furnish an account without prior written instructions. 15 USC 1681 C ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information or adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have been disputing unverified, fraudulent and non consented information reporting on my consumer reports dating back to XXXX. I have been a victim of identity theft. I have sent over 7 correspondence to all three major consumer reporting agencies requesting validation of debt, correcting name, address, and phone number along with requesting the removal any fraudulent accounts, inquiries, names, addresses, and/or phone numbers showing on my consumer reports that are not valid with minimal corrections. The companies XXXX, XXXX and Experian were all asked to provide proof being a contract/agreement validating any disputed items on my consumer report and I have yet to receive anything but its verified. Someone needs to be held accountable for the fraud taking place including but not limited to the unauthorized use of my XXXX XXXX XXXX XXXX XXXX and restitution should be made by any company or individual without my consent or a valid contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have several complaints against Equifax that are still pending and open. My score just went up to XXXX points and now today dropped XXXX points with no reason giving. Every time I send in complaints against Equifax they are purposely dropping my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Credit card
Issue: Billing disputes

Complaint:
I provided my ex with an authorized user card on my XXXX account in XXXX. In XXXX we separated, I moved home across the country contacted XXXX to cancel the authorized user card. XXXX agreed. In the spring of XXXX I was contacted by XXXX stating the account had been maxed out and delinquent. I agreed to settle and pay the balance in return for the card being closed and settled in full i payed XXXX XXXX XXXX Fast Forward to XXXX XXXX sued me was granted a judgement for the full balance and are now garnishing my wages for XXXX XXXX This is not only dishonest but appears to be interest and fees way above usery. On a card with a XXXX limit my credit report now reports a XXXX charge off, per the local court house where filed the balance due is now XXXX $ yet a garnishment of XXXX $ has been levied against my pay check causing 25 % of my after tax earnings to be stolen from me. The law firm that filed the suit is Midland funding. They refuse to answer the phone, return calls and the one time they have refused to discuss how the balance exists and has reached such a high dollar amount. On top of being unethical, and immoral is causing finacial hardship. I am able to settle but due to the first time this was paid and still now being sued am not sure that makes sense again. In addition the usury amount of the balance is concerning and seems unlawful. This non valid garnishment is negatively affecting my ability to pay living expenses and college expenses for my child. This is unfair, unjust and dishonest. Despite my effort to contact legal assistance i continue to hear this is not an isolated occurrence and that their is little of no legal recourse for a Citizen. Can you help? This seems like an UN community type thing to do to a county taxpayer especially a civil servant. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have two items on my credit report with Equifax that I attempted to dispute in XXXX. I never received any notification on the status of this dispute. Today I called and was transferred to 3 different representatives and received absolutely no information on the status for the resolution of this dispute. Ask them what evidence or information they had to provide me with an order to show that this was my account or my claim and they can not find me with anything I 'd like to make a complaint against Equifax as I do not have any justification as to why this is on my credit bureau. These items are not appear on my XXXX credit report and this is negatively affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello, A few months back I disputed an account with Equifax regarding XXXX XXXX XXXX account # XXXX, I have been in contact with the original creditor in which they have sold this account to A collection agency. I have asked for this account to be verified but in return they will not communicate with me. Equifax has this account listed as " open '' with a balance of {$430.00}. 
I have demanded an investigation into this account under the incorrect information of " open '' status with no results. I want the information on my report updated to " closed '' or removed from my file if no response is received within 30 days. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: JPMORGAN CHASE & CO.
State: MO
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:
My car was totaled by the insurance company there were two separate claims. JP Morgan Chase Auto reported my account 30 days late, after they had been notified and completed paperwork to be paid in full for the remaining balance. This significantly dropped my credit score. They refused to correct the error of their ways, and stated it takes 45 days for my account to show paid in full. I was never late one time with a car payment. It did not take 45 days to report me 30 days late. The laws that govern these transactions need changing. I submitted documentation from Chase to XXXX including letters and refunded money for an overpayment to them, they refused to accept my dispute. It was falsely denied by XXXX even after submitting documentation showing the account was paid off in full and the claim was started and completed way before the 30 days past due. My credit score has not been repaired even after they have now shown on my credit report that the account is paid off. There needs to be regulation changes to this industry. It is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My bankruptcy has been XXXX more than eight years ago more than eight years ago and is still reflected on all credit reports and is public record. It should not be public record without my written consent. This record has been hindering any forward progress Im as Im attempting to correct my credit profile.

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 2022-03-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My bankruptcy has been XXXX  more than eight years ago more than eight years ago and is still reflected on all credit reports and is public record. It should not be public record without my written consent. This record has been hindering any forward progress Im as Im attempting to correct my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
The bank put a freeze and closed my account without notification and previously I had reported my card lost and called in that same day they never credited me three weeks later told me it was fraudulent activities and couldn't credit my account

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 2016-05-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
CHASE Bank sent me a letter indicating that it had decided to close a checking account that I opened with it over three years ago. When I contacted the bank seeking an explanation, XXXX consecutive representatives told me that no explanation was forthcoming stating that it was within the bank 's purview to close my account without giving me a reason why. 
In trying to find a reasonable explanation of the bank 's action, I explained to at least one of the representative that I 'm a XXXX person and that the money coming to this account is mostly from social security and from a part-time job I have as an XXXX, and that most of the withdrawals I make are to pay normal pecuniary expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: JPMORGAN CHASE & CO.
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I requested a charge back from a company that did not honor their return policy on XXXX/XXXX/15 with Chase Bank, they issued a temporary credit but I received a letter on XXXX/XXXX/15 stating that Chase is temporarily holding the credit due to the account being closed due to a balanced owed of {$210.00}. The closed account that they 're referring to was also closed on XXXX XXXX, 2015 when a credit was accepted & the balance of {$210.00} was taken care of & the remaining money was credited to my savings account without question or incident, so I do n't understand why this form of action was taken instead of how it was previously handled. It 's going on 2 months that this has been going on so why am I still waiting on a response from the merchant when I supplied the bank with the shipping receipt, an email showing correspondence of the return process & stated the fact that the company had no plans on rightfully returning my money although they received their merchandise back, their exact words were my bank, the XXXX nor the consumer protection bureau regulate their actions. The matter of the closed account for {$210.00} has been taken care of & considered as settled as of XXXX/XXXX/15, so this temporary hold dated a month after this matter was considered settled should n't have occured, it did n't happen with the first charge back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have tried fro XXXX months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Wrong address on my report as follow XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Also, my employer is also wrong. XXXX XXXX is not my employer. 

report has ALSO KNOWN AS XXXX XXXX which is not accurate. am XXXX XXXX and don't go by XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-22
Company: JPMORGAN CHASE & CO.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I talked to a rep a few months ago about my Chase Private loans and she said no more interest would accure on account and my payments would be $ XXXX month until account pd off. I told her I needed to discuss with my husband everytime I call back they are not working with me on an affordable plan I was recently offered. 
They are giving me options that are not affordable at all. I want what I was offered so I can start paying on these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
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:
ftc he Fair Debt Collection Practices Act ( FDCPA ) protects consumers from unfair and abusive collection practices. The law regulates professional, third-party collection businesses, agents and attorneys, but not " in-house '' collectors, or employees of creditors who collect their own debts. 

XXXX XXXX XXXX XXXX XXXX has agreed to settle Federal Trade Commission charges that its MINI Division violated the Magnuson-Moss Warranty Act by telling consumers that XXXX would void their warranty unless they used MINI parts and MINI dealers to perform maintenance and repair work.XX/XX/2015

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