BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
To whom it may concern, I am contacting you in regards to a digital check that was sent to Chase Manhattan Bank. The check was sent by XXXX XXXX to pay off a debt I have with XXXX Bank in the amount of {$2100.00}. The check number is XXXX. Chase Manhattan Bank cashed the check on XX/XX/2022. 
I have tried to resolve the issue at hand with Chase Manhattan Bank and with XXXX XXXX. I do not have an account with Chase Manhattan Bank or any bank that is affilated with Chase Bank. I had contacted XXXX  XXXX on XX/XX/2022 after waiting more than 15 days after the balance tranfer application had been done, and the Customer Service Representative informed me that the check was cashed and proceeded to give me the check number, the date it was cashed, and that it was sent to Chase Manhattan Bank. I contacted Chase bank on XX/XX/2022 to find out if I had an account there and if the money went into the account. The representative told me that the account number I gave him did not connect with Chase Bank and he did not know how to help me figure out where the check went to. I called back on the same day XX/XX/2022 and spoke with another Cudtomer Service Representative. She told me that I had to speak with XXXX XXXX about getting a refund because they could not give me a refund. I called XXXX XXXX back to inform them of the information the Customer Service Representative from Chase Manhattan Bank had given me. The XXXX XXXX representative opened a ticket for XXXX XXXX to investigate the situation and told me that the investigation could take 30 days minimum. XXXX XXXX also put in a ticket for me to get a copy of the check. 
I called XXXX XXXX on XX/XX/2022 to check in on the investigation and I was told by the representative there was no update at the time. I contacted XXXX XXXX on XX/XX/2022 to see if there was an update on the investigation. I was told by the Customer Service Representative that the invistigation is still going, but they sent me the copy of the check and that I was to contact Chase XXXX  XXXX XXXX in order to get my refund. I was also informed by the XXXX XXXX Representative that since the check had already been cashed there was nothing they could do and I was the one who had to take the steps in order to get a refund. If you could please look into this refund I will be greatly appreciative. 

Sincerely, Frustrated Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: GVA Holdings, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
We understand we owe money to this company. But we have continually asked them not to call us and even sent a cease & desist letter which I have a copy of asking them not to continually call us ( I have copy of this also ) We would like all correspondence to be in writing from now on. They still are calling in which I have dates and times and voicemails saved. We would like the harrassment to stop and send us what we need in the mail please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act : XXXX account XXXX XXXX {$560.00}, XXXX XXXX XXXX account XXXX XXXX {$1700.00}, XXXX. XXXX XXXX Account # XXXX {$60.00}, XXXX XXXX XXXX XXXX account # XXXX {$130.00}, Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: TekCollect Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is the second time reaching out to your company requesting you to validate this alleged debt. Please note that I DO NOT WANT A VERIFICATION, but a VALIDATION of this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In 2019, Chase Bank decided to end my relationship with them there was a balance leftover and I was able to take care of the balance. However, I spoke to a representative from XXXX XXXX XXXX and they stated that Chase is still reporting through XXXX which is preventing me from opening an account. Today, I spoke to a representative from Chase Executive Office and was told that Chase is not reporting anything through XXXX. Is there a way for someone can verify if Chase is not reporting to XXXX and if so, can it be removed completely from my report? Please, I ask I am having a hard time opening an account and dealing with this constant battle. It's been two years and Chase has not provided any updates or changes at all to XXXX I want it remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have exhausted the consumer resources available and request the assistance of the CFPB in resolving fraudulent, unethical, and criminal intent in credit reporting. 

Midland Credit Management, despite receipt of evidence from XXXX, a national credit bureau, that these accounts are invalid -- continues to illegally report to the credit bureaus the false accounts which were the subject of a previous CFPB complaint. In their response to the CFPB grievance filed previously regarding these accounts, Midland Credit Management responded, thumbing their nose at the CFPB -- that they would continue reporting the debt, despite the evidence provided. Midland Credit Management stated that they would cease trying to collect, yet Midland Credit Management is operating illegally and arguably with criminal intent by continuing to report these debts to the credit reporting agencies. This type of predatory collection and character assassination is the very reason for the creation of the CFPB. 

I disputed this debt in XX/XX/2020 with XXXX , XXXX. and after an investigation, the credit bureau concluded that these accounts were incorrect, and it sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XXXX, XXXX, Midland Credit Management has continued to report the erroneous information to credit bureaus, and continued to operate in violation of the Fair Credit Reporting Act, 611.5Ai. 

MCM Account numbers : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
A debt collector from XXXX XXXX at phone number ( XXXX ) XXXX called me on XX/XX/2015. The collector asked for me by name and I said yeah eventually. She then informed me that a had a debt for Capital One Back in the amount of {$500.00} dollars. I then asked her if she was going to verify if I was the correct person by Social Security number or Birthday and address and she just kept confirming my name. I then asked her if she was suppose to give me the mini Miranda by law since she just told me everything without verifying and she did not say it. I asked her if she was required to verify and give the mini Miranda and she ignored my question and kept confirming my name. I asked her to transfer me to a manager. The manager got on the phone and I informed him of what just happened. I asked him the same questions and he told me nothing but who I called and if I wanted to resolve the debt. I then asked him if he was a third party agency and he ignored my question. The manager did not verify or give me the mini Miranda. I then asked to speak to his manager. She came on the line and identified me by name she then immediately gave me the mini Miranda and I said. " so you do have to say it! '' I then told her about her other XXXX reps and she responded that they do not have to verify because they bought the debt from Capital One. Which still makes them third party. I am filing a complaint in reference to this call. I feel that if anyone would 've answered the phone and said they were me they would 've disclosed all of my information to a third party. I do not feel comfortable having my personal information in the office of XXXX XXXX simply because of this call and the negligence of the procedures they have in place. This agency is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I returned merchandise to XXXX and sought a credit via my Captial One card. After several months later and providing evidence of the fact, I was rebilled by Capital One for merchandised returned at a 27 % interst rate. I still do n't understand their dispute process to credit your account and later re-bill you with substantial interest. I seek to complain about this particular issue and this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: SC
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:
Someone has my personal information and is using it to damage my credit by opening multiple accounts. I'm not sure what this is or what it could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Every month I make both my credit card and Autoloan payments in person at chase bank locations around XXXX XXXX California. I make these payments by check in person and generally the tellers are knowledgeable about my account balances, minimum payment amounts, and payment due dates. I needed to rely on them because the Chase App would constantly log me out and block me from seeing these balances. It typically is very difficult to log back in and is in my opinion a waste of an hour and a half each attempt ; since it would just happen again a few days later. In XX/XX/XXXX I initiated a balance transfer between XXXX XXXXXXXX XXXX and Chase bank. The purpose was to pay down the Chase Credit card all the way to XXXX. The transfer was completed although unknown to me there was an interest charge which actually kept a balance. 

For the next two months I would go into Chase Banking locations to continue to make check payments on my auto loan. When I asked the tellers each month if I still had a balance on my credit card, they told me no that it was XXXX. In XX/XX/XXXX, I was surprised to find out from a senior teller that I did actually have past due payments required. Obviously I made a scene in the branch and demanded to speak with the Branch Manager. I asked her to please submit a complaint and resolution request to her central offices. she denied my request and stated that I should have been reviewing the payments from my chase app. She said it was my fault for not knowing I needed to make the payments. I told her that I would purposefully visit Chase Bank locations in order to receive updates about my accounts and to make payments in person. If the tellers from XXXX and XXXX would have informed me that a payment was due on my credit card, I would have paid it to XXXX.I even asked her for disclosures, I was denied and that I believe is also a violation of Chase Bank against their Charter. 

I even complimented the teller that informed me about the passed due payment. Without her help my credit would have been effected much more severely by Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is claiming that I owe them money after I removed my son from their facility for what I felt to be poor care. When I removed him, I was paid in full, now they are claiming that there is a balance. They are using a collection company, IC Systems, and reporting this on my XXXX   Credit report. 

They are also reporting this as a loan. This is not true, and I have paid no money towards a principal on any loan from this company ( a daycare center, not a bank ), nor IC Systems ( collection 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 explanation
Consumer complaint received 2015-09-10
Company: CITIBANK, N.A.
State: MI
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
We have a loan with One Main Financial and feel we have been misled in so many ways. They are using our vehicle even though it 's already being financed through a Credit Union. They never explained how much interest we would be paying over the life of the loan. We asked for help on a somewhat different matter and will not get a response either. They are very convincing to people in bad and desperate situations. So far, we have lost about {$600.00} in fees and interest

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: KLS Financial Services, Inc
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt appeared on my credit report on XXXX for {$470.00}. I do not know this debt and was not notified before going on my credit report. This is a violation of the law, and I am demanding that I be paid {$1000.00} per occurrence and removed from all three of my credit reports.

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 2018-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Incorrect information in my transunion credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX someone that either works at a XXXX store in XXXX XXXX or walked in got a Sim card and cloned my cell phone. Over the course of the next two days they proceeded to completely drain my account. I called the fraud on XXXXXXXX XXXX but it was too late. When I called in and made the claim, the woman said that I would receive a new business debit card in 5 to 7 business days and asked if I would like to connect my bank to XXXXle XXXX  so I can access the funds. I said OK. Unbeknownst to me and having never used XXXX XXXX before the criminals had connected my account to XXXX PXXXX  that day and that is why she asked me if I wanted to connect it. As soon as I agreed to that connection the new card was compromised and the fraud continued. The bank has denied the claim on the grounds that biometrics were used on the phone clearly this level of protection doesnt matter if the criminals have cloned the phone. I have spent over a month trying to get this sorted out it has taken me weeks to figure out what the criminals have done and on top of getting robbed I have been treated like a criminal by my own bank. I have gathered overwhelming evidence and they are just ignoring and denying. There are many more details I dont have room to provide herePlease help wells Fargo is going to hurt more innocent victims, their own customers by not being educated on this new fraud method.

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 monetary relief
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: PR
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:
This account has more than 7 years and is still on my credit report, XXXX XXXX make a fraudulent payment to report activity, and Equifax doesn't delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: NY
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 am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These accounts/ items/ inquiries are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescindXXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Credit Karma, LLC
State: MI
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:
I attempted to get my credit report from XXXX XXXX XXXX and credit karma but was unable to log in to either with my information. An error with the information is what showed on my screen. I seek a way to manually update a persons information and verify themselves with the credit bureaus so that she has access to my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: CCS Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a fraudulent debt that was sent to collections and remains on my XXXX credit report. The fraudulent debt is owed to XXXX for {$850.00} posted XXXX XXXX by CCS Collections. I contacted XXXX the debt was for service on an address in Texas, I have never lived in Texas or know anyone in Texas! I filled out all forms and XXXX removed the derogetory mark from my XXXX  report, now a year later the Collections notice is still current on my XXXX   report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
I paid a contractor {$10000.00} using my XXXX AMEX card for services that he was supposed to finish. We had a signed contract that the work would be done, I can furnish that contract. The contractor never finished the services, but he tacked on an additional {$300.00} " credit card fee '', so the total I was billed was {$10000.00}. I called XXXX/AMEX to stop the charges. I sent XXXX photos of unfinished work, as well as copies of the contract, but XXXX/AMEX did not refund my {$10000.00} and paid it out to the contractor in spite of our many pleas.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card
Issue: Bankruptcy

Complaint:
In 2014 I became unemployed and XXXX Credit cards through XXXX XXXX began collection efforts on my past due account. I called them and tried to work out a plan to get current, however they sent the account to XXXX XXXX XXXX XXXX. I filed for Chapter XXXX bankruptcy because many creditors would not work with me, and closed my account. However, XXXX XXXX continued to badger me for payment, I agreed to a payment plan because they harassed me. I found out later that in bankruptcy they must stop calling and all collection efforts. XXXX XXXX and XXXX both were notified of my bankruptcy and that I represent my self, they were sent the notices of hearings and did not attend any of the hearings, they would not reaffirm my account and keep it open and XXXX refuses to stop the collection automatic debits they harassed me into accepting. I have stopped payment with my bank, but they change the amount of collection and the debit goes through because the amount does not match exactly. I have written them of this bankruptcy, called them about these payments, they are rude and tell me to call back the next day to talk to an analysis, the analysis is not reachable they keep me on hold for upwards of 20 minutes and I call again and get the same treatment. This company is taking payments from me even though I have notified them of the bankruptcy, they refuse to stop or return the money taken against the law of bankruptcy. I have reported them to the bankruptcy trustee, but I still get no results. What do I do to stop this harassment, on the phone they tell me that they do n't have to stop the payments and that I must have a lawyer call them, I explain I represent myself, but that does not matter to them.

Company response to consumer: Closed with explanation