BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-12
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I apply for a  Chase Sapphire Reserve  Credit card on approximately  XXXX   XXXX ,  2017 . A short time after that I received a card in the mail. I never went online or ca lled Chase Sapphire  to confirm receipt or activate the card due to the fact I thought it was a simple application and not a aggrement to pay {$450.00} for a service I was looking into. I received a bill on  XXXX   XXXX     2017  for {$450.00}.   Originally when I applied for the credit card it was not clearly stated that upon applying I would be charged the annual fee. The advertising was misleading and confusing.   Additionally I call ed Chase approximately The first  week of  XXXX  or late  XXXX  to attempt to waive the annual fee as it was my understanding  XXXX   XXXX  military had that option upon approval. I notified  Chase Sapphire th at I was not willing to use the card unless the annual fee was waived. During that conversation it was never stated that the card was going to be charged even though it was never activated.   All attempts to resolve this matter w ith Chase have been unsuccessful. The company offered contradicting information regarding the activation and confirmation of receiving the card. Ultimately the Chase Sapphire representative stated that canceling the card would affect my credit score and  the annual fee was mandatory even though I never confirm receipt of the card, used the card and went online to activate the card.   I would like this Credit card to be canceled and I feel due to the misleading advertising the annual fee should never have been charged in the first place ( due to the fact that the card was never confirmed received or used ).   I have outstanding credit, own multiple credit cards and have never been treated in such a fraudulent way in my life.     A the final phone call  with Chase Safire  on  XXXX 2017 is what ultimately lead to this complaint being filed.     I WOULD NEVER HAVE CONTINUED WITH THE APPLICATION PROCESS IF IT WAS CLEARLY ARTICULATED THAT I WOULD BE CHARGED AN ANNUAL FEE, REGARDLESS OF ACTIVATING OR USING THE CARD! I WAS CHARGED FOR A SERVICE I NEVER USED! THIS IS FRUAD!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On  XXXX / XXXX / XXXX , after telling the company not to contact me on this matter ON TWO PRIOR occasions, I received a collection call from a representative of Navient attempting to track down a step-child of a marital relationship that was terminat ed TWENTY-FIVE y ears ago.     I have advised this organization that I do not know where the person resides and I have n't seen or heard from the child or her mother since  XXXX .     Additionally, on this same date my wife received a phone call from Navient as well on this matter.     This is harassment and I demand it stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, I was informed by US postal service letter from XXXX XXXX XXXX ( XXXX ) that they purchased a " debt '' of {$19000.00} from Capital One credit card ( acct : XXXX ) which they claim was owed by me. On XX/XX/2019, XXXX filed a bad debt with XXXX for the full amount of their claim. I have never had a credit card with Capital One nor any loans. After several calls to XXXX to explain the issues, they did not research the issue and told me that the money was owed and there was " nothing I could do '' besides pay the full amount. I subsequently wrote a letter requesting documentation ( with my signature ) that I opened an account with Capital One and asked for written confirmation the charges and legal ownership of the account. XXXX has never responded but does send robocalls at least once a day for more than 2 years to threaten me about the monies owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Kikoff 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 Reporting Act XXXX  XXXX # XXXX Kikoff Lending LLC # XXXX Has Violated My Rights. 
15 U.S.C 1681 Section 602A. States I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 section 604A. Section 2, It Also States A CONSUMER REPORTING AGENCY CAN NOT FU
RNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS.

Section 605B States All FRAUDULENT ACCOUNTS MUST BE DELTED/ AND BLOCKED FROM ANY FURTHER REPORTING.

I HAVE SENT THIS COMPANY MULTIPLE LETTERS REQUESTING WRITTEN INSTRUCTIONS OF ME ALLOWING OR AUTHORIZING ACCESS OR EVEN ALLOW TO FURNISH ANYTHING. 

I HAVE SENT : FTC IDENTITY THEFT REPORT POLICE REPORT DRIVERS LICENSE PROOF OF ADDRESS COMPANY AND CREDIT REPORTING AGENCY CONTINUES TO WILLFULLY NON-COMPLIANCE TO DELETE ITEMS ACCORDING TO FCRA 605B AS WELL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BK OF AMER. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( BK OF AMER XXXX, BK OF AMER 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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an accounts for XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 
This has cause me great anxiety, stress, and financial hardship.

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 2017-06-13
Company: SYNCHRONY FINANCIAL
State: OR
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:
In the past I have had hard inquiries on my cre dit from PayPal. I h ave never used PayPAl, I called them in  XXXX   XXXX  to disput. They agreed that they were false and they would have the inquiries removed. Dates of inquiries are  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  all fro m syncb/ppextr. I looke d it up and it i s PayPal.   These hard inquiries are all on my  XXXX .   Today I looked at my credit report and found another hard inquiry from  XXXX / XXXX / XXXX  on  XXXX  from a company called ccb/ppc. I looked this up and it  is PayPal again. I have not authorized anything for PayPal.

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 2017-06-08
Company: Mortgage Research Center, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I 've contacted my mortgage company several times to report my mortgage and they have refused to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: IL
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 XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an accounts for XXXX  XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX. 
This has cause me great anxiety, stress, and financial hardship.

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 2022-09-13
Company: EQUIFAX, INC.
State: FL
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 received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Financial Recovery Services, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi This collection agency call financial recovery service INC they are sending me the letter because they said this account is charge off basically what happened they close this account and I dont even know I tried to call them last year they did not respond to me but they close my account already last year beginning of last year and I try to call them and tell them I had a hardship due to the pandemic and XXXX-19Because I was sick and my family and they are suffering so bad with XXXX we all are sick but they did not help me and he did not respond me and now they sending me this letter saying that my account is charge off and I have to pay this and also the reporting negative against me I would love to please help me on that hope you and the report and also ask for us for the payment and discharge of card That they never help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
Experian continued willful disregard of the law. I have filed several complaints and send several letters on a XXXX account. They are reporting that this account was opened on XXXX XXXX in which is inaccurate. i have requested thar Experian provide a copy of a first payment with some documented proof that support there reporting in which they have failed to send anything no contract or any documented proof which means this account has not been properly verified as they claim. Any automated response or XXXX XXXX verification is unacceptable.

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 2022-09-13
Company: EdFinancial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
EdFinancial Services are failing to provide any confirmation of the refund process and are not providing a timeline of the process. 
Other services are providing direct communications with confirmations and having the loans refund process finish within 72 hours and have the loan balance reflect the correct amount in their account. 
EdFinancial can not provide the similar service and are not providing adequate reasons on why they can't provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: IL
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 did not consent to, authorize nor benefit from any of the following accounts. Ive been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: AR
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-10-07
Company: The Law Office of Edwin B. Parry
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Edwin Parry law office REFUSES to accept any payment unless I provide them with far too much information. All they should need to accept payment is confirmation of who I am and a valid debit card number. They refuse to allow me to pay unless I provide them with all of my information. Including my place of employment. The moment they receive my information they will start garnishing my wages, rather than allowing me to make a payment plan. The lady on the phone was extremely rude and hung up on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Credible Labs Inc.
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan with this company which I was denied for. The issue that I have is that pursuant to federal law, they do not have the right to deny me my own credit. I am the original creditor and I am the one who will fund this consumer credit transaction with my social security card. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I will be using to originate this consumer credit transaction in exchange for money which the law states I have the right to do. This company is falsely advertising a " loan '' which does not exist. The term " loan '' is not defined anywhere in Title 15 Chapter 41, therefore it does not apply to consumers. The only type of transaction that exists involving a consumer are consumer credit transactions. Pursuant to 15 USC 1679a ( 2 ), the term consumer credit transaction means any transaction in which credit is offered or extended to an individual for personal, family, or household purposes. So, this company is falsely advertising that they provide " loans '' when in actuality they are denying me my own credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Unifin Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/22 at XXXX a email was sent to my mother in regards to a debt they are collecting from Unifin , Inc. it gave my personal information, amount owed of {$160.00}, and that they were a debt collector trying to collect a debt. I am not a minor and so my parents should not have been contacted in regards to this, let alone all the information to me on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX a transaction of {$7600.00} was made at Hawaii XXXX in XXXX XXXX in XXXX XXXX county. I received a call from Bank of America alerting me to the transaction. They asked me if I was the one that performed the transaction and I said I did not. Immediately a fraud dispute was initiated. This was a visa purchase made at the grocery store based on the information on my statement. Bank of America issued a temporary credit in that amount following the dispute. On XXXX the bank reversed the transaction and recharged me the entire amount to my account. On XXXX I received the attached notification that the bank would not follow through with the fraud dispute. They claim that this was a cash advance/ATM transaction. This is not consistent with the information listed on my statement and the information provided to me by the bank. I do not believe the bank performed it 's due diligence in researching the fraud. A large transaction such as this should have signature verification in place and I do not believe the bank even went as far as to obtain those records. On XXXX I filed a police report which is also attached below. Case number : XXXX Officer : XXXX 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 monetary relief
Consumer complaint received 2022-09-13
Company: BSI Financial Holdings, Inc.
State: OH
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:
BSI Financial Servicer is now reporting my mortgage payment deliquent 30 days and trying to ruin my credit. We have never been 30 days late. The mortgage for XXXX and XXXX was paid totaling in amount of {$4500.00} on XX/XX/22 by save the dream ohio hafs program. BSI knows I was approved for State assistance through the HAFS Save the dream Ohio program. The money was sent to pay my mortgage in a timely manner but BSI Financial has not even added the money to my account. Now they are putting deliquent on my husband and my credit report. I never get anywhere talking to BSI. No one knows what's going on and they do nothing to help their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good morning, As of XX/XX/2022, Southwest Credit Systems , LP alleges that I owe them a debt of {$160.00}. I am not liable for the debt nor do I have a legal written or verbal contractual agreement with Southwest Credit Systems , LP. 

XXXX has already removed this account from my credit report. I'm requesting that this information also be deleted from my XXXX and XXXX credit reports, many thanks.

Company response to consumer: Closed with explanation