BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX, 2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
I have a credit card with Chase Bank. I set up automatic payment of full balance online. However, on XXXX XXXX, 2015, Chase Bank only debited my checking account for the minimum payment instead of full payment. I found out the mistake on XXXX XXXX, 2015. I paid the balance off immediately and notified Chase bank the mistake. 

Chase bank has charged me {$14.00} interest for six days for {$1000.00} balance. I informed Chase that it was its mistake not debited full amount of balance. I had more than sufficient fund in my checking account, and I had no reason not to pay the full balance. Nonetheless, Chase has refused to refund the interest it charged me in XXXX, 2015 and continued to charge me interest in XXXX, 2015.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-01
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX is still trying to charge me for phone service I never had. As stated in my previous complaint filed with the CFPB back in XX/XX/XXXX, I have never used XXXX, and have been with another company for seventeen years. The account number on the bill, which is " XXXX '' ( which corresponds with the last XXXX digits of a person 's Social Security number ) does not match mine. In addition, the phone number on the bill is not mine! I happened to have a similar name to the person listed on the bill, so they forwarded this bill to my address, and demanded collection. I called them, and explained what happened, and the XXXX representative promised me that they would call off the collection agency. However, I see that on my credit report, they have still posted me as owing money to them, unfairly damaging my credit. Instead of correcting their mistake, they have passed my name, phone number, and address to yet another collection agency. XXXX back in XX/XX/XXXX ; XXXX the " XXXX XXXX '' back in XX/XX/XXXX ( XXXX, which, by the way, apologized and stopped harassing me ). Third, they passed my name yet again to " XXXX XXXX, XXXX '', which not only apologized for bothering me, but admitted that XXXX had passed on to them a fraudulent debt. Now, it is XX/XX/XXXX, and XXXX is at it again, by passing my name to " Credit Collection Services ( CCS XXXX XXXX, '' which has sent me a notice for payment, and has been making incessant phone calls to my number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Finance of America Holdings LLC
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I needed an extension given I am filing a lawsuit against XXXX XXXX, member of XXXX XXXX XXXX XXXX, XXXX for causing financial harm to the Company. 

In order to sell the property a Judge has to grant me permission to be able to sign all documents on my own and without the need of XXXX XXXX given her fraudulent activity against the Company, which is why I am requesting an extension of an additional 18 months for this loan. 

Below I have the attorney client agreement I have signed with my attorney which will be filing suit against XXXX XXXX and requesting I be in full control over XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX and that I be allowed to sell said property on my own also since I was the only personal guarantee for the loan on this property. 

Please consider this and I am asking that you provide me with an extension for an additional 18 months past the initial 18 month terms. 

Thanks. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was denied credit on XXXX. I pulled an Equifax report on XXXX and found XXXX negative items, XXXX of which were supposed to have been removed last year in XX/XX/XXXX. I compared the NEW Equifax report with an Equifax report I pulled in XX/XX/XXXX. The information on these account WERE NOT THE SAME. All three negative accounts had removed the original date of negativity. Either Equifax is keeping INACCURATE CREDIT RECORDS on file or ALL XXXX Creditors changed my credit history with them. ( see attachment to copare the XXXX acccounts. ) I then called Equifax and this is pending a resolution. To my understanding, a negative account is supposed to come off your record after 7 years using the first day your account became negative. The person I spoke with at Equifax is telling me it is really the date of the last activity you have with the account. If this is the case, it is no longer 7 years to have a negative rating, but in my case. 9 years of a negative credit record. Please investigate this issue. If this happened to me, how many others out there?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX, XXXX, XXXX. To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.

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: Experian Information Solutions 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:
I have about 14 hard inquiries on my consumer credit report that i see just from experian itself! i did not authorize any of these with my consent or permission. all three credit reporting agency has caused me damages in my financial situation due to not getting approved of my consumer credit. Experian 14 inquiries ... with no open accounts tied to them.

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 2022-08-17
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX FL XXXX Balance - XXXX XXXX Balance {$2100.00} XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX - If you feel there is a possibility these ITEMS XXXX to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have submitted a form to release a cosigner from XXXX of my XXXX Navient private student loans. I have met the requirements listed here, https : //www.navient.com/assets/pdf/Application-to-Request-Release-of-Cosigners.pdf and was denied a release of cosigner because my cosigner, not I, had made the payments. The information that I would have to make the payments was not made available to me. On a following phone conversation I was told it was because my credit did not meet their required standards. I inquired about the required credit minimum and told it was not possible to tell. I was unable to learn the requirements by talking to the Navient representatives. There is no information regarding this available on their website and it was not sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Equifax. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? I have already disputed this account several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting this account. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. I sent a letter to Experian disputing 6 accounts as fraud on XX/XX/XXXX via fax with return receipt. After receiving no response after 30 days, I again sent a letter to experian on ( XX/XX/XXXX ) via the online CFPB consumer complaint portal. I received notice via that same CFPB portal that experian received the dispute letter on ( XX/XX/XXXX ). As of XX/XX/XXXX Experian responded back to the CFPB complaint stating what has been removed and what has been verified without proof of method of verification used and well after 30 days for the 2nd time. Federal law that protects my rights as a consumer states that credit reporting agencies have a total of 30 days from receipt of a debt validation request to provide proof or remove accounts. Experian continues to violate my federally protected rights by displaying their disregard for the law by responding after the 30-day threshold. It is now ( XX/XX/XXXX ) and I still have not received a response from experian in writing other than a later than 30 day notice through the CFPB online portal. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2021-01-05
Company: Experian Information Solutions Inc.
State: MA
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 paid the XXXX  account off and it was suppose ti be deleted. its still showing on my 2 reports and i can not buy a house until it get fixed and mty wife is XXXX  months XXXX. i will attch the settlement letter for tur viewing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have called each credit bureau 5 times to remove the fraud alert on my credit report and they havent done it. Its causing me to get denied for credit

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 2021-01-05
Company: CITIBANK, N.A.
State: VA
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 closed my Macy 's credit card in XXXX, 2020 and in XXXX, 2020 I paid the credit card off in full. In XX/XX/2020 I was sent a refund for overpaying my account. In XXXX, 2020 Macy 's charged my account ( which had been closed since XXXX XXXX {$11.00} and did not notify me at all. As a complete refund for the overage was sent to me in XXXX and the account was closed I still am not sure what the {$11.00} is for but in XX/XX/2020 they reported me 30 days late to the credit agency for the {$11.00} that they still had not notified me was due. I have an excellent payment history with this company and I have tried several times to call them but I get transferred or hung up on or told that they can not remove the 30 day late payment and another company reports for them. I asked to speak to that company and after being disconnected 3 times and having to call back and explain all of this over again to Macy 's I finally get transferred and was told that it would be removed immediately. Then I receive a letter from Macy 's saying that they can not remove it because the payment was late. Nothing about how the payment even placed in the first place or that I was not notified at all that something was put on my credit card that was closed and had been closed for months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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 2015-12-14
Company: Diversified Consultants, Inc.
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, XXXX, I received a letter from Diversified Consultants, Inc. informing me of a {$710.00} balance due with XXXX XXXX. I sent a letter on XXXX XXXX, XXXX requesting verification of the debt. I received a letter from Diversified Consultants , Inc., dated XXXX XXXX, XXXX with a statement dated XXXX/XXXX/XXXX showing a balance of {$710.00}. However, I also have a billing statement from XXXX/XXXX/XXXX showing a {$0.00} balance from XXXX XXXX, one month after the statement from XXXX/XXXX/XXXX. This was not sent to me by either XXXX XXXX or Diversified Consultants , Inc . I gained access to my online account through XXXX website, where I downloaded the bill. 

XXXX XXXX canceled the bill principal of {$710.00} on XXXX/XXXX/XXXX. If anything, the original creditor should issue me a copy of IRS Form XXXX. The IRS requires this form for each debtor a company has canceled a debt of {$600.00} or more. My canceled balance of {$710.00} meets this requirement. The {$0.00} balance, {$710.00} credit, and lack of payment due on the XXXX/XXXX/XXXX shows that XXXX XXXX has canceled this debt, and will likely receive tax benefits. 

In XXXX, XXXX similarly tried to collect on an amount that had been noted as an " internal charge-off '', and was denied, as this may have created a mandatory duty under IRS regulations to issue the defendant a XXXX Creditors who benefit from this tax practice may render it " inequitable '' to allow them to belatedly enforce the alleged debt after it received the benefit of a charge-off. ( See, e.g. XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX ( Dist Ct XXXX XXXX ), XXXX, XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX ( Bankr Ct XXXX XXXX XXXX ) [ " The actual ( or at least potential ) tax consequences of the form make it inequitable to allow the [ creditor ] to enforce its claims against the debtors '' ] ; see also XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( App XXXX ) ( issuance of Form XXXX after debt was written off is " XXXX '' that debt had been discharged by creditor, sufficient to create an issue of fact ) ; XXXX. 

I have included a copy of the final statement that shows the {$0.00} balance from XXXX XXXX, which I had to obtain on my own and was not sent to me during the verification process. Also, I have included the statement sent to me by Diversified Consultants , Inc. for XXXX XXXX, and the letter from Diversified Consultants accompanying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Paypal Holdings, Inc
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an online business, and I am victim of a Cyber-Crime by an individual XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. I have submitted police reports in XXXX XXXX XXXX and XXXXPrecinct XXXX XXXX XXXX where the perpetrator lives. 

As a member of Paypal who does all my processing, I was assured protection from illegal charge backs. However PayPal have lost 4 times including XXXX XXXX by XXXX XXXX XXXX that were done under PayPal seller protection and clearly showing customer agreed to terms and conditions of sale which was blatantly violated by initiating charge backs. 

When presented with all the evidence which Paypal states was more than enough : IE signed delivery receipts by XXXX and consumer emails confirming the order - including my calls to Paypal prior to fulfilling each order and being assure with signed confirmation of delivery I would be protected by Paypal - PayPal now refuses to honor their liability. 

To date I have paid {$2300.00} in illegal charge backs to Paypal. Within two days of the last demand for {$3100.00} I was sent to their collections agency. Even though I consistently paid their negative balances and been a customer for many years. Also Paypal refuses to honor their processing fees agreement that I had confirmation in writing by their own Account Executive. 

I spoke to an attorney who looked over the contracts ( neither of which I was ever presented with nor signed ) and it states all legal action must be done under the laws of XXXX. Clearly evasive action by Paypal not to honor their commitments. The internet is full of cases where Paypal routinely losses all chargebacks then bullies the merchant into paying. I contacted several attorney 's XXXX whom all state Paypal is notorious for this practice. 

There are XXXX more charge backs potentially coming from the same customer whom Paypal advised if they keep losing the person will continue to keep lodging charge backs. The final XXXX will be an additional {$5000.00} plus PayPal fees. 

I need help. Paypal is trying to bully me into paying them or they are blackmailing me with the threat of a lawsuit thus negatively impacting my credit. 

I have all the evidence to support my claims. Being a small XXXX person business owner it is near impossible for me to weather these financial demands that law enforcement and attorneys state is improperly demanded by Paypal. Please contact me for any additional information. I have also filed with the FBI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation