BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-27
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
My husband, XXXX was seriously injured in an accident on XXXX XXXX, 2016. He is still recuperating from the resulting XXXX and other injuries and has been unable to work. We do not have the funds to make full payments on our accounts at this time. We are currently working with XXXX XXXX XXXX XXXX, a non-profit agency in our home town. XXXX is not charging us any fees. All our other creditors have been willing to work with them and we are making payments to keep those accounts current. Chase has refused to work with the XXXX, saying they ( the XXXX ) are a " Debt Settlement Company '', even though we 've been trying to set up something with them ( Chase ) since shortly after the accident. Even when I called directly to try to negotiate, Chase refused to speak to me, and instead referred me to XXXX of their Credit Counseling Referral Lines. Although the initial recording said I would hear a list of agencies serving our area code, my call was immediately transferred to someone who identified herself as " XXXX '' at " XXXX XXXX XXXX XXXX. '' XXXX stated that she was in XXXX and did not have offices in XXXX. XXXX boasted that XXXX XXXX was XXXX of only XXXX credit counseling agencies that Chase refers customers to. Without knowing any of our personal or financial information, XXXX right away offered XXXX solution which she called " XXXX XXXX XXXX '' where XXXX XXXX would make our payments for us and charge us a {$50.00} setup fee and up to {$55.00} per month fees on top of what we owe to our creditors. Why would they refer us to a company that sounds exactly like the type of service they are warning us against? I do n't understand why Chase would refuse to communicate with the local non-profit agency who are already helping us and instead coerce us to deal with an unknown " debt management service '' that will charge us setup and monthly fees on top of our debts. Chase is in effect creating a monopoly by referring us to XXXX of their in-house credit counseling agencies, which will cost us to use, generating more income for the Chase brand. Additionally, the " negotiated settlement '' payment is actually higher than the minimum payment we 've been billed. Our other creditors have already worked with XXXX to help us set up hardship payment plans. Chase 's refusal to cooperate with us is causing undue stress. Please respond quickly to help us resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: NRA Group, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection popped up on my credit report from XXXX XXXX now in the hands of XXXX XXXX XXXX. Called and spoke with both. XXXX XXXX said i had a {$0.00} balance. XXXX XXXX XXXX claims i owe {$210.00}. The date of the debt they claim i owe for is months after i sold the home. As well as switched services to the owners. Paid my final bill at the time services were switched. Also never even had XXXX. Whole time i lived there it was XXXX. No calls or letters in the mail. Straight to collections they send me. Never before had collections or late payments in my life.

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 2017-02-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Consumer Financial Protection Bureau, I am very excited to have found you and know that you will be able to help my situation. 

Right now, my husband and I are closing on our house on XX/XX/XXXX ( 14 days from now ). When we obtained an updated copy of my credit report, I noticed that there are 90 day late payments on my XXXX student loans that are being serviced by XXXX. Acct # XXXX. 

Additionally, they are reporting an " Account Status '' as " Currently 90 days late ''. 

Attached is a faxed document from XXXX showing clearly that my account is current and NOT 90 days late. 

My experience in legal matters is extensive in knowledge of the Fair Credit Reporting Act. The Act specifies prohibited practices in the payment reporting guidelines. There can not be a 90 day late payment unless there is also a corresponding 60 day late payment and a 30 day late payment ( credit report attached to this investigation request ). 

I request that Equifax remove the illegal 90 day late payment history for XX/XX/2017 for all XXXX of the XXXX accounts # XXXX. 

Thank you VERY much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: JMD,LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
company name ; high desert creditors. located in XXXX calif. 
they continue to call me after being told not to call my job. 1st time was end of XXXX 2016, today they called again at my job. i told him not to call my job any more. this is the 2nd time. he got angry & started talking about how he will call me on another phone. he didnt hang up immediately. he said that i owe {$900.00} & demanded that i pay it. i again told him that i will get in trouble if he wont stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
Barclaycardusa filed a fraudulent court document on XX/XX/XXXX and a voluntary dismissal on XX/XX/XXXX/ I believe the fraudulent documents were filed so Barclaycardusa could avoid responding to my complaints to the Consumer Financial Protection Bureau during this period. I was offered a {$2900.00} settlement in XXXX XXXXby XXXX XXXX but Barclaycard refused to honor it and then demanded over {$7900.00} to be paid within 5 days of this fraudulently filed document on XX/XX/XXXX. Is this some kind of unfair and deceptive trade practice or yet unfair debt collection practice? 
I was never served with this court action as Barclay sent it to an address where I do not reside nor the address on my Barclay card account. Also, Barclaycard stated I was delinquent for payments due in XXXX, XXXX and XX/XX/XXXX -- dates which have not yet arrived. Moreover, I am reporting unfair debt collection practices. 

I am reporting unfair debt collection practices as I was in email negotiations with a papralegal named XXXX XXXX and then this occurred during these negotiations. 

To defame my character is this fashion is actionable. I was making payments. I even had an agreement to make certain payments less than the minimum but the court document sought to shame me for less than full payments. 

I beleive Barclaycardusa lied to the Consumer Financial Protection Bureau to keep from responding to my complaints and their inquiries due to the excuse that this matter was in litigation when it was already dismissed. 

It is a shameful practice that Barclaycardusa used against me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: Colony Brands, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I dont have any knowledge of this account ( Ginnys ) one of their many affiliated companies and tried repeatedly to notify them. Its been years and this account is still showing on one of my credit report. This acount was deleted from two credit reporting agencies due to the fact that it was opened without my knowledge and consent and was found to be a fraud from years ago ; however, they are still reporting to my XXXX. Based on my research on this matter, It seems like this company has a reputation of opening fraudulent credit line without peoples authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Prosper Marketplace, 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 was searching through XXXX XXXX for some personal loans just looking, when I received a email around XXXX about a credit inquiry concerning my credit report from these lenders XXXX  & XXXX, I did not authorize them too pull my credit. They ran my credit at XXXX on XX/XX/18, please dispute this.

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 2022-07-25
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, my mom XXXX XXXX sent me an XXXX payment of {$2000.00} to my CHASE bank account. I didn't know my CHASE account was closed so the money was rejected and supposed to be returned to sender on XX/XX/XXXX. It is now XX/XX/XXXX and XXXX XXXX ( my moms bank ) hasn't received the {$2000.00}. I've done everything CHASE told me to do to resolve this issue and still no funds have been returned. I've filed an dispute with my moms banks and they denied the claim stating they haven't received the funds. I also contacted XXXX and they told me that the banks need to solve the issue. This is putting me and my XXXX kids in a serious financial hardship and if this matter doesn't get resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: ENOVA INTERNATIONAL, INC.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Even though when I filed the application, I requested a monthly payment be taken from my account, they insisted on 2 bi-weekly payments of {$49.00} be deducted from my account. ( I had to submit copy of my Social Security Verification Letter ) to become eligible for benefits. I had requested that {$99.00} be subtracted from my account each month. They have been making me call every month to change the payment dates to the third of each month which towards the end of each month can truly be an inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: General Motors Financial Company, Inc.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My husband has a loan with GM Financial. He has been XXXX and since only his name is on the loan they will not work with me. He has been in contact with them yet they continue to send daily emails to me as well as call my family members want g to know where he is. They have already been told where he is and what is going on. They are to the point of being extremely harassing especially since the emails are coming to my email and they refuse to work with me on the loan. It 's becoming very stressful.

Company response to consumer: Closed
Consumer complaint received 2020-06-19
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have errors on my credit file and the credit reporting agencies are ignoring my request for removal. There have been several letters sent to them so far and there has been no movement. I should not have to call to correct them especially when I am sending certified proof in letter form of what the errors are. Several accounts and inquiries are listed and do not belong to me per 15 USC 1692 ( g ) Validation of Debts must be removed. I do not take owner of accounts and they are not mine please remove.

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 2022-01-21
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In Colorado, most types of debt have a statute of limitations of six years. The exception is debt on your auto loan, which has a statute of limitations of just four years. Once the statute of limitations passes, the debt becomes time-barred. Debt collectors can no longer garnish your wages or place a lien against your home or car and collectors can still hound you with calls and letters in an attempt to get you to pay. 


THIS IS PASSED THE SATUE OF LIMITATIONS AND REPORTING ON MY CREDIT REPORT THAT A BALANCE IS DUE. 

REPORTING THE FOLLOWING INACCURACY : Past due amount : The balance currently reported as past-due by the company holding the account. 
{$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hard Inquiries being reported on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I am writing to you because I am having problem with Capital One Credit Division. On XXXX I received a grocery delivery from Walmart.com and that was the beginning of a nightmare. the amount of the order was {$75.00}, on XXXX this amount was paid in full. I received a bill in XXXX stating that I owed them {$12.00} and that the transaction was {$88.00}, and every since XXXX they have been doubling the amount of this money that they said that I owed them. The last statement that I received was XXXX and the amount is now {$90.00}. 

Capital One has put this lie on my credit report which stared out as {$12.00} is now escalating every month and they have ruined my credit. The being of XXXX I asked Capital One to close my account, I received a letter from them on XXXX stating that the account was closed, but when I check my credit report in XXXX the account hadn't been closed until XXXX. Capital One also lied on my credit report saying that I had had account with them since XXXX and that a lie. On XXXX I received a letter from Walmart stating that ownership of my account will be transfer from XXXX XXXX to Capital One, and I have statement from both Walmart and Capital one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In Colorado, most types of debt have a statute of limitations of six years. The exception is debt on your auto loan, which has a statute of limitations of just four years. Once the statute of limitations passes, the debt becomes time-barred. Debt collectors can no longer garnish your wages or place a lien against your home or car and collectors can still hound you with calls and letters in an attempt to get you to pay.

THIS IS PASSED THE SATUE OF LIMITATIONS AND REPORTING ON MY CREDIT REPORT THAT A BALANCE IS DUE. 

REPORTING THE FOLLOWING INACCURACY : Past due amount : The balance currently reported as past-due by the company holding the account. 
{$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: GA
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, has violated my right 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 15 U.S.C 1681 SECTION 602 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 2022-01-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I recently filed a complaint ( XXXX ) Experian responded that they can not be removed. However that's not true I have attached the law pertaining to inquiries what they stated is not true.

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 2015-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Reference dispute XXXX ] also. I spent over an hour on the phone with transunion, requesting access to my report online, so as to be able to dispute any negative credit information. I was sent to several reps and to no less than XXXX different websites. Nothing Absolutely nothing got accomplished. These people are responsible for critical information that effect humans lives. How is it that XXXX can covey this information to the public and they can not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Experian Information Solutions Inc.
State: PA
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:
The accounts listed here MUST BE removed because they do not belong to me. It is preventing me from obtaining gainful employment. This is supporting fraud. Accounts : XXXX XXXX XXXX XX/XX/XXXX {$710.00}, XXXX XXXX XXXX XX/XX/XXXX {$890.00}, XXXX XXXX XXXX   XX/XX/XXXX {$240.00}, XXXX XXXX XXXX XX/XX/XXXX {$1500.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$2600.00}, XXXX XXXX XXXX XX/XX/XXXX {$690.00}, XXXX XXXX XXXX XX/XX/XXXX {$220.00}, XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$110.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$27.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$140.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$56.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$460.00}. Inquires : 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 2017-02-03
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
central credit services and XXXX credit systems continually call up to XXXX times a day stsrting before XXXX for someone that does not live at my telephone #. I am a senior citizen, they are harrassing me and refuse to stop contacting me. 
collector calls : 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