BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently found out that Section 623 states that the creditor can not continue to report it when disputed unless they have proof to the contrary. I didn't receive documentation to such proof. I request to further clarify the company 's compliance with Metro2. I also demand this agency/company to provide verification of documents that you have reviewed. Otherwise, delete these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I enrolled at XXXX XXXX XXXX in XXXX, TN. Under the terms that I would attend school online and not in a classroom. I would also have assistance obtaining a job upon graduation. I started school, and never had a chance to take classes online. After starting I had to find a baby sister since the advisors never enrolled me in online classes. I also missed classes that I had to pay for due to me working during the day, and they had me scheduled for day classes. I was never able to obtain assistance in finding a job. I had to withdraw from school due to financial issues and finding a baby sitter for my small child. After getting the run around the school closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For several years now, despite scheduling my payments online, on time every month, Chase is charging, then crediting late fees. 

While they are crediting these late fees, there should never be a late fee charged to my account in the XXXX place as payments are always made on time. 

When speaking with XXXX in Customer service today, she said I should be making my payments by phone in order to not have late fees charged to my account. I do not accept that this is a more efficient or better way than making my payments online. 

As an example of how I make my payments, for XXXX, I scheduled my mortgage payment on XXXX to deduct from my checking account on Thursday XXXX, the final day it is due. I have been making my payments like this for the last 15 years. 

I no longer accept that Chase charge then deduct late fees on my account, and I request that they place a clear note on my loan accounts with them that states my account has never been late. I understand how these things work, and it could prove to be problematic for my credit down the road. 

Thank you for looking into this, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: JPMORGAN CHASE & CO.
State: AP
Product: Credit card
Issue: Other

Complaint:
On XXXX/XXXX/XXXX, I made an online payment to the wrong credit card company. Instead of sending the payment to my personal credit card account at Chase Bank, I made payment to an old account at JP Morgan Chase Commercial that had not been deleted from my banking profile. The JP Morgan Chase Commercial account has not been used in over two years and was reportedly closed upon my resignation from the Federal Bureau of Investigation on XXXX XXXX, XXXX. I contacted JP Morgan Chase and was told they could send a refund check to the address on file, which is my former employer. My former employer does not have my forwarding address, since I have relocated since resigning from the agency, and has failed to provide any assistance with resolving this issue. JP Morgan Chase referred me to XXXX individuals within the FBI that handle government travel cards and I have not received a response from either, although multiple messages have been left. I have contacted an employee at the FBI XXXX Field Office, who has been able to verify my account was closed and that the account now has a credit to the account in the amount of my erroneous payment. She has attempted to contact FBI Headquarters to resolve the issue, but has not received a response from anyone who can assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
On Thursday XX/XX/2020 I tried to submit updated disputes for the two collection accounts that are reporting incorrectly on my credit reports with XXXX, XXXX, and XXXX.I was denied because XXXX  ( the burea I disputed through ) stated that they are not required to validate duplicate disputes. The original dispute however, was never validated, and I never received any correspondence by mail. 

I have also reached out to the individual creditors Discover and XXXX XXXX pleading for verification of the account, or the reported balances, and neither companies have responded as of yet. 

I sent copies of a formal dispute letter, my social security card, and my new and old drivers licenses. The companies have yet to verify with me that the balances reported are accurate. 

Until they can prove that the balances have been reported to the individual credit bureaus correctly, I am requesting that these collection accounts, their incorrect balances, and their derogatory remarks be removed from my credit report while this is being investigated. This is in accordance with the 30 day guideline that states the credit bureau ( s )  have 30 days to look into your dispute, based on the information you provide to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am trying to link my PNC bank account as a funding source with XXXX XXXX. To round my change up to invest in stocks and make investments. And PNC bank blocks their customers from being able to make their own financial decisions and will not allow them to link accounts to invest with XXXX. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I sent Receivable Solutions letter within 30 days disputing this debt and they still reported to all XXXX credit bureaus after I sent letter. Also, I wanted them provide proof that they have been given right to collect the debt by the original creditor. Per FCRA, if all these accounts are not deleted with all XXXX credit bureaus I have no choice but to pursue legal action and file a lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We have a credit card through chase that closed in XX/XX/2012 in the amount of $6,296.45.
The account was sold to XXXX, and they have since been charging interest on the account as if it is still open, but we have documentation from Chase that this account was closed. Since purchasing this account from Chase XXXX has added more than $1000.00 extra dollars to what we owe. We would like to settle this account for either the original amount or less than the original amount without this extra $1000.00 that we do not owe. I have spoken to Chase and this account was sold in XX/XX/2012 and XXXX purchased it in XX/XX/2012 and has been charging money to the account ever since. We have made several attempts to find out why this company is still charging amounts on this card after it was closed and they refuse to tell us why. They also refused to send any validation on this card of when they purchased it and what the original amount it closed for, so we had to go to Chase to have them give us all the information. Why are they charging more money when the account has been closed since XX/XX/2012? Documentation from Chase will be provided along with my credit record showing that XXXX is charging on this account still.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Application processing delay

Complaint:
Chase never let me know I was declined for the card. I got nothing in the mail and I had to call them to find out and they wo n't tell me why I was declined. I have excellent credit and income so they discriminated against me because I have a chase card I have n't used and they did n't want to give me the XXXX interest offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: JPMORGAN CHASE & CO.
State: NM
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
When my income dropped significantly I contacted Chase, my mortgage company in XXXX XXXX to apply for mortgage assistance and submitted all requested documents. On several occasions following the initial application I was contacted by XXXX XXXX requesting additional documents - which I supplied in a timely manner. In XXXX XXXX I was informed by XXXX XXXX that all documents were complete and he was forwarding all information to the underwriting department and I would receive a response and multiple resolutions within 30 days. 
In XXXX XXXX XXXX XXXX contacted me once again requesting more information and a new application - which I supplied. When he received all documents, he assured me once again that my application was complete and all documents were being forwarded to the underwriting department. 
Today, XXXX/XXXX/XXXX I received yet another request from XXXX XXXX to replace and clarify previously submitted documents. It is now my contention that either Chase does NOT really have a program for mortgage assistance, or people like XXXX XXXX are employed to obstruct the application process of each applicant. I have continued to make my mortgage payments each month, yet have been repeatedly lied to by XXXX XXXX. I wish to submit this complaint and will also file a complaint with the New Mexico State Attorney General 's office, and explore a lawsuit against JP Morgan Chase & Co.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: MS
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 USED MY INFORM TO APPLY FOR ACCOUNTS IN XXXX THIS HAS BEEN AS PAIN TO 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 2020-06-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to my Credit Report the following : PORTFOLIO RECOVERY Last reported XX/XX/XXXX {$1800.00} Open balance XXXX XXXX XXXX XXXX Original creditor Debt not owed. Reported account to XXXX in XXXX as stolen

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
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 XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Sectign 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 2017-09-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
My information was compromised along with millions of others in Equifax 's mishandling of security, during a cyber attack which was announced on XXXX XXXX, 2017 and took place in XX/XX/XXXX through XXXX of 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: JPMORGAN CHASE & CO.
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We have had this auto loan with Chase Auto Finance since XXXX and have always made our monthly payments. In XXXX of 2015 our financial situation changed and we needed to sell the vehicle. We listed the vehicle on XXXX and found a buyer for the vehicle. The buyers wanted to wire the funds directly to Chase as the buyer was in another state. I contacted Chase for the official payoff amount ( which is what the buyer paid ) and to get the wire transfer information from them. I was notified by the buyer when the funds were delivered and then I called Chase to see if the loan was satisfied and the funds posted. It took a few business days for Chase to be able to tell me the loan was satisfied. When I was told by Chase the loan was satisfied and the vehicle was delivered with a bill of sale. I was then sent in the mail a lien release signed by Chase and notarized receiving it the next week along with a check for the overpayment. I did not hear anything from Chase until they called me three weeks later to tell me my last loan payment was not received 9 days ago. I told them I sold the vehicle and it was delivered after they told me the loan was satisfied. I also told them I had a lien release. They tell me the day after the lien release was completed the funds were reversed from the account so I am now responsible. They would not at first give me the information listed on the " check '' they say they received for the payment, but they finally did after arguing with the customer service person. Of course the buyer a dealer is not answering the phone. But why did Chase state the loan was satisfied before it was and if it was official, why did they allow the reversal of the payment? I feel and many others I have talked to feel that this is their responsibility. They release the lien and have not provided me with any written notice of anything different to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I had a contract with XXXX XXXX XX/XX/XXXX and had lapsed on my payments. It was sent to XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX. The Amount that was sent to collections was {$340.00}. I had called them XX/XX/XXXX to resolve this collection and was given options as to what could be done. We agreed to Legally Pay in full for less than the full amount on XX/XX/XXXX with their agreement to remove themselves from my credit report. That never happened. I called several times within the past 11 months to ask them to remove themselves based on our agreement and they would tell me that i had to call XXXX XXXX  to have them to call or send a letter to them ( XXXX ) to have them remove themselves from my credit report. I did this. Every time i called XXXX they were unable to locate my account and had no record and that i would have to call them XXXX XXXX XXXX. After going back and fourth I tried reaching out to Experian to file a dispute last week. I called Experian today, XXXX, to check the status and Experian 3 way called XXXX and told me the same thing. I needed to call XXXX XXXX and have the send a letter or call them to be removed from my report. Experian told me to call XXXX and so I did. Unsuccessful again. they could not find me in their system nor in their old data bases. I was transferred to a senior specialist and was told he couldn't find me or remove it or call anyone or write any letters, and that i would have to wait for it to be removed on it's own with time. So i am here to have some assistance from you to help me get this removed from my 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 non-monetary relief
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX and XXXX knew not to allow XXXX XXXX access to my credit report this month. I had a credit file lock, police report on file documenting ID theft, and a credit alert, ANd a credit lock at all XXXX agencies. Only XXXX ( TransUnion ) fraudulently allowed XXXX XXXX to access my report without my permission. The other XXXX agencies even hinted at this in my alert. TransUnion failed to alert me and block their access, while the other XXXX blocked it and alerted me about what TransUnion allowed. 
I called them and asked them to dispute it because they allowed fraud to take place. They hung up on me 3 times before claiming they finally disputed it. XXXX XXXX men picked up each time.

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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Im reaching out because, I continually tried disputing fraudulent and erroneous accounts and personal information directly with the credit bureaus to remove them from my credit profile. The keep saying that the XXXX XXXX and providing them with the information. I have contacted them and they are saying my records are frozen and that no information is being sent from them. I contacted the court and they stated they don't even report to credit. It clear that one of these companies is lying. Especially since the credit bureaus were initially provided with documentation of an affidavit to report the identity theft. I work XXXX XXXXXXXX XXXX as a XXXX XXXX and me and my father share the same first and last name even our our middle name starts with the same letter. I did not receive any response to the information provided. When I called I was advise to resubmit the information. This issue is continuing to destroy my identity. They ALL have failed to do my investigation in full and delete ALL the remaining fraudulent accounts on my credit file. In addition, Due to failure in NOT responding is an automatic FCRA violation of them not properly handing my dispute. I am just ready for this nightmare to be over with!

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 2019-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
There's a collection on my credit report XXXX Transunion, XXXX XXXX  XXXX for a loan I did not take out. XXXX XXXX XXXX is a company that is reporting me delinquent for a loan I DID NOT take out from a company called the " the XXXX XXXX ''. Transunion has determined that the debt is valid. I'm saying it is not valid. I have tons of collection items -- -this is not one of them. This debt does not belong to me.

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 2022-05-16
Company: Resurgent Capital Services L.P.
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 XXXX XXXX has violated my rights. 

LVNV FUNDING LLC has violated my rights. 

15 USC 1681 Section 602 : states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency CAN NOT furnish an account without my written instructions.

15 USC 1666B : a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late and for purpose.

To whom and all this may concern :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I didn't receive enough information to verify the debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could mail, fax, email in a fraudulent account.

Company response to consumer: Closed with explanation