BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021. Someone try to deposit {$1500.00} fake check to my checking account, and on the same time, after he/she deposit fake check, he/she also withdraw {$1000.00} cash from my checking account. Few days laster, the {$1500.00} fake check return back .so I lost {$1000.00} from my checking account. I try to contact Chase customer and go to Chase branch to talk with them.Chase bank didnt give me a response.Chase bank close my checking account without any reason.and also didnt refund {$1000.00} to me I also have a police report before my Chase checking account Fraud. Because around XX/XX/2021, someone stole my Identity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-18
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
My wife and I leased XXXX XXXX XXXX XXXX XXXX from XXXX XXXX of XXXX, XXXX. on XXXX/XXXX/XXXX for {$68000.00} after XXXX rebates and all other incentives from the dealer. The lease was financed by XXXX XXXX XXXX XXXX, XXXX AZ. We also put {$5000.00} cash for down payment. Due to medical financial hardship ( son diagnosed with stage XXXX XXXX in XXXX, XXXX ) we contacted XXXX XXXX to do voluntary early termination and return the vehicle. They agreed without any early termination fee and told us to return the vehicle to the original dealer. After handing over the vehicle on XXXX/XXXX/XXXX, the inspection was done while I waited, once the inspection was all completed. The vehicle return XXXX made me sign a XXXX Return Notification ( similar to a contract ) with all the breakdown of mileage, accounting etc. and total Charges of {$31000.00}. ( see attached ). Sometime between XXXX and XXXX, XXXX, XXXX XXXX sold the vehicle in auction for {$51000.00}. In XXXX, XXXX, XXXX started sending us bill for {$11000.00}. I contacted them several times finally, I got someone that could tell me about the sale amount of the vehicle. I requested the receipt of sale, which I got in mail for {$51000.00}, we were not notified about the sale until we requested for. I told XXXX that we made XXXX payments all before due date amounting {$6700.00} or more, plus {$5000.00} down which they have record of. And asked them since, they sold the vehicle for {$51000.00} and we only owed the {$31000.00} to refund us the difference. If they took fair market approach, then the vehicle sold for more, and if I kept the vehicle for 39 months I would have paid them {$37000.00} per contract after all wear and tear. After 39 months they would have not got approx. {$64000.00}, what they got now. We had to consult an attorney, after second notice, XXXX replied, stating that, we have to send a check for {$11000.00}. It still shows on my wife 's and my credit report. Please see attached attorneys letter.

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 2017-10-18
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
My wife and I leased XXXX XXXX XXXX XXXX XXXX from XXXX XXXX of XXXX, XXXX. on XXXX/XXXX/XXXX for {$68000.00} after XXXX rebates and all other incentives from the dealer. The lease was financed by XXXX XXXX XXXX XXXX, XXXX AZ. We also put {$5000.00} cash for down payment. Due to medical financial hardship ( son diagnosed with stage XXXX XXXX in XXXX, XXXX ) we contacted XXXX XXXX to do voluntary early termination and return the vehicle. They agreed without any early termination fee and told us to return the vehicle to the original dealer. After handing over the vehicle on XXXX/XXXX/XXXX, the inspection was done while I waited, once the inspection was all completed. The vehicle return XXXX made me sign a XXXX Return Notification ( similar to a contract ) with all the breakdown of mileage, accounting etc. and total Charges of {$31000.00}. ( see attached ). Sometime between XXXX and XXXX, XXXX, XXXX XXXX sold the vehicle in auction for {$51000.00}. In XXXX, XXXX, XXXX started sending us bill for {$11000.00}. I contacted them several times finally, I got someone that could tell me about the sale amount of the vehicle. I requested the receipt of sale, which I got in mail for {$51000.00}, we were not notified about the sale until we requested for. I told XXXX that we made XXXX payments all before due date amounting {$6700.00} or more, plus {$5000.00} down which they have record of. And asked them since, they sold the vehicle for {$51000.00} and we only owed the {$31000.00} to refund us the difference. If they took fair market approach, then the vehicle sold for more, and if I kept the vehicle for 39 months I would have paid them {$37000.00} per contract after all wear and tear. After 39 months they would have not got approx. {$64000.00}, what they got now. We had to consult an attorney, after second notice, XXXX replied, stating that, we have to send a check for {$11000.00}. It still shows on my wife 's and my credit report. Please see attached attorneys letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Experian Information Solutions Inc.
State: MD
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:
Tried to remove a charge off on my credit report from XXXX XXXX  for XXXX Experian wont remove it - it is not my account Thank you 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 2019-07-25
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On Tuesday XX/XX/XXXX I XXXX ( send money through an app ) to Chase Bank to cover pending charges. My XXXX money was pending clearly showing on my statement with the bank and one hour before my XXXX was to be deposited Chase then charged me an overdraft fee when clearly seeing that XXXX was going to be posted within the next hour. On XX/XX/XXXX I XXXX another {$20.00} to cover another transaction again my {$20.00} was pending and an hour before it was to be deposited Chase charge me another {$34.00} with a grand total of {$68.00} in 48 hours. I tried to call the bank and discuss this with them letting them know I'm a XXXX patient on Social Security XXXX SSI with an income of {$770.00} a month and any kind of fees would hurt me tremendously with my medication throughout the month they did not care. As I explained to Chase Bank on my Chase Bank app it clearly shows that my money from XXXX was pending to be put in there and that it clearly shows that they charged me an overdraft fee right before my XXXX money was to go in to cover pending charges. The charges had not even went through. I have been with Chase for 15 years and I've already closed one checking account and I would like to stay with them if they can work with me but if not I will close this account as well. I would like for somebody to help me with the situation because this is a big Bank charging big fees for nothing they clearly saw that I had money coming in there to handle the pending charges that had not even went through yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-25
Company: Nicholas Financial Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/19 this company called me at my job and I told them to never call my work number again. On XX/XX/19 I received a message from my coworker telling me that some company called him on his work phone asking about him about me while I was at lunch.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus 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 fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified  accounts must be removed and Bureaus couldn't provide me a copy of verifiable proof, you must remove the accounts listed : XXXX  XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX   XXXX XXXX ), XXXX XXXX XXXX  ( ORIG CREDITOR :  XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : 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 2019-07-25
Company: Selene Finance LP
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We are in the process of selling our home to XXXX, the escrow company XXXX   has contacted Selene Finance for a payoff statement on XX/XX/2019, they were advised it would take 24 to 48 hours to " get into the system '' and 5 to 7 days to issue payoff statement. We contacted Selene Finance on Monday, XX/XX/2019  to check on status of payoff statement, they stated it had been sent out to check with the title company, we contacted XXXX XXXX at XXXX to see if she received payoff statement, she had not. XXXX XXXX contacted them once again on Tuesday, XX/XX/2019 for a payoff statement and spoke with a manager XXXX, they were to place a rush on the payoff request. As of today, XX/XX/2019 XXXX has not received the payoff statement. 

We also requested a payoff statement on XXXX XXXX, 2019, and we are waiting for the payoff statement as well. The closing date has been postponed twice due to Selene Finance not providing a payoff statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection Service of Athens reported collections on my credit report. This debt was paid to the medical provider and should not have been sent to collections. I never received notice that the medical bill was going to be sent to a collections agency. 

I am requesting this be 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 explanation
Consumer complaint received 2022-06-10
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My mother 's card was stolen from her after she passed away but before officers and medics arrived on scene. I notified the bank that hee card was missing and they confirmed that it had been used numerous times sent her death. However, they said that they could not do anything until I became appointed as the personal representative of the estate through the court system. I voiced my concerns about the lengthy process and they assured me that they would still rectify the funds because this was a special circumstance. I completed that process and submitted all paperwork appointing myself the representative of the estate and requested the records which took months and many phone calls, voicemail, points of contact to finally receive. It was then i discovered almost {$800.00} of fraudulent charges that continued months after her death. At that time it took them just a few days to decide that they would not rectify the funds at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a pentagon account in my credit that I do not recognize and is greatly affecting my credit. 

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 2020-08-19
Company: Experian Information Solutions Inc.
State: NY
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 disputed the inaccuracies listed on my Experian credit report from XXXX XXXX on multiple occasions. In XX/XX/XXXX, I disputed the late payment history from XXXX and the inaccuracies that were being reported. Experian responded to the dispute as account updated ( proof attached ), but the late payments were not removed from my account as requested nor was the account updated from what was reported previously. Additionally Experian has XXXX XXXX XXXX Date of Last Activity reported as XX/XX/XXXX, whereas XXXX has the Date of Last Activity reported as XX/XX/XXXX ( proof attached ). This XXXX XXXX account has been re-aged, which Experian has to delete account for being in violation. Also the payment status is reported inaccurate, Experian has the account listed as Current, was Past Due 60 days, but XXXX has it reported as Paid or Paying as Agreed ( proof attached ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2019-07-25
Company: EQUIFAX, INC.
State: MS
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:
The following multiple entries on student loans were reported on my credit report.. The account should not reflect as late because this is assigned to government. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX XXXX XXXX DEPT OF ED/XXXX , DEPT OF ED/XXXX, DEPT OF ED/XXXX, DEPT OF ED/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: GA
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:
TO WHOM IT MAY CONCERN, I AM APPALED AT THESE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE. I NEVER SIGNED UP FOR XXXX. I AM A VICTIM OF IDENTITY THEFT. I AM ALSO APPALED AT THESE EXCESSIVE INQUIRIES ON MY CREDIT PROFILE. THESE ARE A VIOLATION OF MY RIGHTS. THESE FRAUDULENT ITEMS ARE ALSO A HINDERANCE FROM ME DOING IMPORTANT THINGS I NEED TO DO. THESE INQUIRIES AND FRAUDULENT ACCOUNTS APPEAR TO BE AN EFFORT TO HOLD MY CREDIT SCORE DOWN, SO THAT I AM CHARGED HIGHER INYTEREST RATES FOR ANYTHING I HAVE TO CREDIT QUALIFY FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
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: Personal information incorrect

Complaint:
I have reached out to all three credit bureaus via certified mail on several occasions in reference to my personal information being updated. Each month I check my reports I see that they updated my employer information but the not the rest of the information per my request.

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 2019-07-25
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have reached out to all three credit bureaus via certified mail on several occasions in reference to my personal information being updated. Each month I check my reports I see that they updated my employer information but the not the rest of the information per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Experian Information Solutions Inc.
State: SC
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 DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-25
Company: Experian Information Solutions Inc.
State: MS
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:
The following multiple entries on student loans were reported on my credit report.. The account should not reflect as late because this is assigned to government. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX , XXXX , DEPT OF ED/XXXX  , DEPT OF ED/XXXX, DEPT OF ED/XXXX, DEPT OF ED/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 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
The following multiple entries on student loans were reported on my credit report.. The account should not reflect as late because this is assigned to government. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX XXXX , DEPT OF ED/XXXX , DEPT OF ED/XXXX, DEPT OF ED/XXXX, DEPT OF ED/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