BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I Bank with chase and have n't had any problems with them. Loved how many locations they had and was very satisfied with them. Recently I got a phone call from a Kanas # at XXXX and I did n't answer. Then the same # texted me saying they going to deposit XXXX transaction in my account and the first one I need to withdraw and send back to them at a XXXX. I call the number back and told them they have the wrong # and he said are you XXXX XXXX and he told me all my info. Account # s.s # address everything. I told him not to deposit anything in my account and hung up. I get text messages after I hung up say if I do n't return the money have my attorney ready. I checked my account and it 's a tax refund check deposited in my account in the amount of {$1400.00}. The very next morning I called chase at XXXX and I get told my account is restricted and closed. I don'the have access to any of my money. I have rent my car payment and house hold to take care of. I just got paid Friday and they are holding my pay check. I have no gas in my car. I missed work. My son does n't have bus fare to go to school. I have people calling asking when I 'm going to pay my bills. It XXXX as a customer of chase to be treated like a suspect instead of a victim. I thought that was the point of putting your money in the bank to be protected soon as they have to do a little work to help their customer they just freeze and close their account not thinking about what we have to do with our money. I was told they will reevaluate my account after the check returns. At this point I do n't even want their services anymore and I will never recommend them to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I received emergency medical services from XXXX XXXX of TX. In early XX/XX/XXXX, XXXX XXXX merged with XXXX XXXX XXXX ( XXXX ). At the time of my service, I paid the required {$250.00} fee and my health care provider, XXXX paid all other charges. In mid-XX/XX/XXXX, I received notification from a collection firm entitled, AMCOL, XXXX XXXX XXXX, XXXX, SC - ( XXXX ) XXXX. They indicated that they were retained by XXXX to collect {$250.00}. I explained to them that I had inquired with XXXX and learned that all fees had been paid and that I owed nothing. I also sent in a written letter, via US Mail, to dispute of this charge. This apparently went on deaf ears and AMCOL continued to attempt contact with me. I again called them and informed them of the wrongful charges. While on vacation onXX/XX/XXXX, my credit monitoring service, XXXX, informed me that I had at least two collection account, XXXX and XXXX that had been added to me credit bureau report. <P/>On XX/XX/XXXX, I called XXXX to request additional assistance and their representative name XXXX and I got on the phone with XXXX 's representative named, XXXX. XXXX looked at my account and immediately stated that this account was sent to AMCOL in error. She stated that my account had been paid in full. On another line, XXXX called AMCOL and spoke with XXXX to have this account removed from further action and to also delete the wrongful collection notice that was erroneously reported to the credit bureau companies. XXXX stated that I would be receiving a formal letter from XXXX along with the AUD number which would confirm that this collection account had been removed from my credit bureau reports. XXXX indicated that she would call me by XX/XX/XXXX and inform me regarding the AUD number and that my CBRs would be cleared of this wrongful entry made by AMCOL. <P/>As I write this complaint, nothing has taken place and I am extremely concerned and frustrated. I have always paid all of bills and I have been blessed with an XXXX credit score. I do the right thing and I am appalled by this treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX at XXXX hrs EST, I received a voicemail from a " XXXX '' from a XXXX XXXX telling me that I needed to return the call by XXXX hrs EST ( the deadline time was before the call was made ) threatening legal action and to have my attorney call them. They left no specific details or what they wanted or who I potentially owed money to. 

The number came in as restricted but left a call back number of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. This ground for removal under : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Account # XXXX has violated my rights. This ground for removal under : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2020-08-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I tried calling the XXXX XXXX /Toyota Motors to advise them that I never received statements and notice for these dates listed FOR THE FOLLOWING DATES :XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. Due to their error, they reported late payment remarks on my credit report which IS IMPACTING ME NEGATIVELY DUE TO NON RECEIPT OF THEIR MONTHLY STATEMENT FOR THOSE DATES. 

I ALSO TRIED GOING THROUGH THE CREDIT BUREAU TO RECTIFY THIS MATTER WITH NO SUCCESS ON EITHER SIDE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Payoff process

Complaint:
Paid the balance due in full and then was charged interest - they claim it was because interest accrues daily and the statement balance is not the real balance. NOTHING stated I should call for a payoff figure this is not a car or house loan it was a credit card. The balance due is the balance due I paid the balance shown on-line on XXXX before the due date of XXXX. Why are they allowed to charge more interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX Balance Owed : {$24.00} XXXX  {$360.00} Balance Owed : {$360.00} XXXX  XXXX Balance Owed : {$18.00} XXXX  XXXX Balance Owed : {$320.00} XXXX XXXX  XXXX Balance XXXX : {$3100.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2016-02-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
In regards to my intial complaint # XXXX, regarding chase charging me numerous overdraft fees and those fees cascading into more fees, and being told by chase they would n't do anything to help even though the information on my online banking was not accurately reflecting my balances, chase has now lied to me directly. 


Two days ago I went into my branch and complained about this overdraft fee fiasco and the branch banker said she had absolutely no power to reverse fees because chase has in the past ... she did not care that past fee reversals were because of bank errors, hacked XXXX accounts, chase putting a hold on a chase quickpay payment to me because of it 's security concerns ... .none of those things mattered as I was smuggly told I have had too many fees reversed. She said she wanted to but the system would n't let her. Well yesterday I called chase corporate to file a complaint and the gentleman that helped me there decided to reverse half of the fees XXXX dollars ( yes, chase has charged me over {$150.00} in fees in the last few days because of a few dollar overdraft that really was n't my fault ) when I asked him if I was eligible to have fees reversed he completely contradicted the banker at my branch and said my account was eligible ( though he chose to only reverse half of the fees because he too said ... can you guess? ... he said my account was n't eligible for more reversals. ) So now chase is actually lying about it 's ability to reverse fees, while continuing to not give a hoot what caused the fees. I mean, it did not matter at all what I explained. Clearly the policy of Chase is to now lie to it 's customers about it 's lack of ability to reverse a fee. It is also a policy to simply say that the computer system does n't allow reversals ... no matter the circumstance. This is now bordering on actual fraud. And I 'd be more than happy to share all of this information as I 've documented every conversation I 've had, phone and personal. 
Further more ... .for some unknown reason, my overdraft protection is not kicking in like it normal does. ( there is enough to cover the intial overdraft, but it did n't kick in ... .Chase did n't care when I explained this to them ) Oh wait, but that is not all ... ..the gentleman at corporate told me the exact amount to deposit into the account to avoid anymore fees. So I deposited that and a bit more as soon as I got home from work. And when I got up this morning guess what I found? Another fee that has overdrafted my account once again!!! 

This is fraud, theft, and abuse. Seriously, how can banks get away with this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-08-14
Company: United PanAm Financial Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with UNITED AUTO CREDIT CO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and UNITED AUTO CREDIT CO with no successful resolution. XXXX  is only reporting me late. There was definitely an error on their part. I was never 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Dear XXXX ; My name is XXXX, my address is XXXX XXXX, NY XXXX, and I became disable on XX/XX/XXXX. In XX/XX/XXXX I applied and submitted my discharge application for Total and XXXX with Nelnet for my student loan to be dismissed, and again in XX/XX/XXXX I submitted all the documents that are need for my student loans to be dismissed, and as of today Nelnet have not dismissed my student loans. In the mean time, my student loans are incurred interest and Nelnet has been issuing XXXX and XXXX every time. I have called them and been getting the run around from Nelnet representatives. My account number with Nelnet is XXXX, and XXXX. I have submitted the Discharge Application for Total and XXXX XXXX XXXX XXXX Department of Education, XXXX Servicing, XXXX, XXXX, XXXX, phone number is XXXX or XXXX. Nelnet email address is XXXX. Went I looked at my credit reports from all major credit reporting agencies it shows I have XXXX student loans when in fact is not true. Nelnet is reporting wrong information to all major credit reporting agencies, and is doing nothing about it to resolve the issues. It has put me in the position to seek help from Consumer Financial Protection Bureau to resolve my issues, since I am not getting any help from Nelnet. I can be reach at the address located in the beginning of my complaint letter, and you can also contact me at XXXX. I want to thank you in advance. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian has failed to remove XXXX XXXX XXXX Acct # XXXX, After i have advised them that the inforamtion is incorrect through five disputes in the last year.. I have even filed written dispute via cerified mail in XX/XX/2022, in which a request for written response detailing the innacuracies, and provding evidence supplied to them and how they conductied thier investigation and did not recieve any written responce which is also FCRA over 60 days at this point. My dispute with this account is # 1, Veirfication of this debt with evidence provided to them as staements etc containing extact dates showing money owed. also i was not properly contacted by them of my alleged deliquency via mail. They also reported a charge off, while this account while i was involved in an active dispute in violation of 15 US Code 1681 that i do owe XXXX XXXX XXXX and ET Sec 604 of the FCRA. # 2-Experian reporting A past due ammount 0f {$640.00} dollars on a cahrged off account. This Charged off account is reporting payment history each month when it should not since account has been charged off. This is falsely manipulating the statue of limitations which is a FCRA violation.

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 2020-08-14
Company: Resurgent Capital Services L.P.
State: GA
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 have a loan with LVNV FUNDING ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX   ), XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LVNV FUNDING ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX  ), XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: ENCORE CAPITAL GROUP INC.
State: GA
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 have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ), XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ), and MIDLAND FUND ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and MIDLAND FUND ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My wells Fargo debit card was used to make multiple charges overnight while I was asleep that totaled to around {$200.00}. Wells Fargo has not issued a credit for this even as long-term customer over 10 years.

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 2016-01-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I went into my local chase bank and used one of their new atm machines inside the bank that they have been encouraging us to use because it seems they are cutting back on labor and replacing actual humans with machines. 
I was depositing XXXX dollars and the machine took my money and provided me with a receipt that said the machine malfunctioned and to talk to the bank or call and make a claim. Now it is beyond me why the machine did not return my money if it malfunctioned. The machine does not require an envelope or a deposit slip which to me is crazy since now there is no written record of my deposit. I immediately talked to a teller and then sat with them to call and make a claim for the money that has basically disappeared. I was told that they would have someone come out within 12 hours and recover the money and that it was separated inside the machine and that it would not be an issue. This deposit was made on the XXXX of XXXX 2016. I received an email yesterday from the bank saying they finsished their research and said that they only recovered XXXX and would be taking XXXX out of my account on XXXX/XXXX/16. there is no research documents on how they came up with this number. I called and asked and was just told that that 's what they determined with no explanation except that 's how much money they recovered. No date of when, how, who or anything. They told me that I would have to go to the bank branch and figure it out. 

Needless to say I 'm going to be out! XXXX because the bank just robbed me. How am I supposed to prove how much money I put in there when there is no deposit slip required? This is going to be a huge financial burden and I 'm at a loss. I will be heading to the bank now to try and rectify this. Hopefully

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-15
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
MY NAME IS XXXX XXXX AND I HAVE A LOAN WITH SALLIE MAE, THE AMOUNT IS {$10000.00} AND THE INTEREST RATE IS AN UNBELIEVABLE 9 %. I NOTICED THERE ARE FEDERAL LOAN ALTERNATIVES LIKE THE XXXX FOR STUDENTS WITH AN INTEREST RATE OF 3.86 % FIXED AND THE XXXXFOR STUDENTS WITH AN INTEREST RATE OF 5 % FIXED. I WANT TO KNOW HOW I CAN GET MY INTEREST RATE REDUCED TO THE RATE OF XXXX OF THESE TYPES OF LOANS. I ONLY WORK PART TIME AND I CA N'T AFFORD THE PAYMENT THAT IS REQUIRED UNDER MY CURRENT LOAN. MY ACCOUNT NUMBER : XXXX. PLEASE CONTACT ME AT XXXXXXXXXXXX SO I CAN CHANGE TO A LOWER RATE AS SOON AS POBBIBLE. WHEN I TOOK THIS LOAN OUT I THOUGHT IT WAS A FEDERAL LOAN BECAUSE IT WAS FROM " SALLIEMAE '', BUT WHEN I RECEIVED THE LOAN PAPERS I WAS TOLD IT IS A NONFEDERAL LOAN. THAT IS VERY CONFUSING AND COULD BE DECEITFUL. I AM ATTACHING THE LOAN DOCUMENTS FOR YOU INFORMATION AND THERE ARE XXXX PAGES. THANK YOU XXXX XXXX XXXXXXXXXXXX

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