BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
To the office of the CEO. 

I was charge incorrectly by a merchant on the amount of {$4100.00} on XX/XX/XXXX. I called Chase to dispute the charges and was asked to resolve the charge directly with the merchant. It took a while for the merchant credit to post to my account. In the meantime, I was charged interest amounts of XXXX, XXXX XXXX each month the charge had not been credited. I called Chase last month and was advised the charges would be credited but they have still not been credited. I called today and was hung up on after being transferred. 

I am requesting a refund of the rolling interest on the charge and to remove the amount from interest charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX, TRANSUNION, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2015-04-07
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Employees of the company disregard their own given arrangements and lack professionalism. I have a debt from previous apartment complex. It was among me and a roommate but billing just in my name. I was placed on a payment program starting in XXXX and gave what I could being {$100.00} the XXXX and XXXX of the month. The arrangement has expired and was advised to call back to setup arrangements on left over balance when capable. Well now I 'm dealing with XXXX hostile and very condescending associates with the company a XXXX XXXX ( manager ) ext XXXX and XXXX XXXX ext XXXX ( acct agent ). Simple questions about my debt and actions can lead to uf not paid in full today get a " why '', " what do you think '' or it " does n't matter " when its my billing that I 'm concerned about, why do I not get proper answers. They have placed me extended holds hoping I would disconnect the call and when returning to line would just ask for payment in full. They said the arrangement should never been given and that they will not accept payments if not for full amount by the XXXX of XXXX ( today being the XXXX of XXXX ) Their collection practices are FDCPA violation as they are very harassing and not willing to let me make discuss the bill without threats and open ended questions. They ended call by saying they will say I 'm disputing my balance with credit bureau when in fact I never told them to or dispute what I owe. My payment arrangement was setup by agent at XXXX ext XXXX. Originally she wanted {$740.00} but allowed me to make the lesser {$200.00} a month payment to where the balance left is {$1000.00}. I got a letter end of Match saying I defaulted on payment which lead to me calling in due to I satisfied the original plan and waiting for financial change to make another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 just received an alert on my true identity-transunion credit report that 2 hard inquires were made by XXXX/XXXX  and XXXX  /XXXX. I did not apply for any credit cards or anything thru XXXX  or XXXX  XXXX. I just froze my transunion credit report. I do I get these hard copy requests removed. Thanks

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 2016-07-21
Company: National Principal Group, LLC
State: MD
Product: Payday loan
Issue: Can't contact lender

Complaint:
I received a call from a NP Group claiming I have a unpaid loan from XX/XX/2011. All information they had from me was a mix up of data pulled from my past at incorrect moments in time. This is fraudulent. I will be filing a complaint and a police report. I can not locate the vendor online and the requested validation of debt information was never sent to me. This is consumer fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Credit Management has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
EXPERIAN, XXXX, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2021-01-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
EXPERIAN, XXXX, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2020-03-12
Company: Experian Information Solutions Inc.
State: TX
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 Contacted All 3 Bureaus Multiple Times about these accounts especially about Department of Treasury thats showing opened from XX/XX/XXXX, that account is not mines whatsoever, I was born in XXXX submitted a dispute letter to the bureaus and its been over 30 days since hearing a response from them. Under the Fair Credit Reporting Act, the inaccurate items have to be deleted. Please resolve this matter at your earliest convenience. Thank you for both your time and help in this matter.

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 2021-01-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
EXPERIAN, XXXX, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2016-05-31
Company: JPMORGAN CHASE & CO.
State: MT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX, my business partner and I purchased a XXXX Jeep Wrangler Rubicon from a person representing himself as the rightful owner. The vehicle was accompanied with a Clear, Lien Free title which we were able to verify with the state of XXXX in which the vehicle was title. We sent the title off to our agent in XXXX where we operate a business. A week later, our agent in XXXX notified us that the vehicle had been reported as stolen. How can this be if we have possession of the vehicle with a lien free title? After investigating this matter further, we discovered the previous owner, now referred to as Gentlemen XXXX, had a loan balance with CHASE BANK exceeding {$37000.00}. Gentlemen XXXX offers to purchase the XXXX Jeep Wrangler from Gentlemen XXXX and submits payment to Gentlemen XXXX in the form of a check, what type of check we do not know. Gentlemen XXXX then sends check to CHASE BANK to pay off his auto loan. 

CHASE BANK chooses to release the lien from the title, without placing a hold on the check. They did not allow it time to clear, as they 're company policy requires. Check is returned as a bad check. The premature lien release from CHASE BANK allowed the XXXX gentlemen to gain possession of the vehicle along with a clear title after apparently writing a bad check for the XXXX Jeep Wrangler. The premature lien release from CHASE BANK allows the XXXX gentlemen to resell the vehicle to my business partner and I without reason for suspicion. CHASE BANK is claiming no responsibility for the matter, in fact the customer service person in their fraud department I spoke to stated, " it is our policy to release a lien on a vehicle immediately once we receive a check for the loan amount. '' Regulation CC of the Electronic Code of Federal Regulations allows banks to place holds on checks to prevent this fraudulent activity from happening. Under subpart C of the E-CFR, section 229.38, CHASE BANK is liable for any losses incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I filed for personal bankruptcy in 2010. I understood from my lawyer that I would lose my mortgage because of the filing. This was not a problem since I did not think I had any equity in the home. And, a family member offered me free housing. A while after filing bankruptcy Chase Bank, my original mortgage holder contacted me and told me they wanted to give me a new mortgage so I could stay in my home. I explained that I could not afford the home because I had taken out all the equity with a loan from XXXX XXXX. Chase wanted to look into the issue, I sent them all the information they requested including all my bankruptcy documents. The bankruptcy documents clearly showed the loan from XXXX. A short time later Chase contacted me and said XXXX did not have a lien on my home. They said the loan from XXXX was not a home equity loan as I thought but rather some kind of personal loan that was dismissed in bankruptcy. This meant that I had enough equity to afford a new mortgage, although it would be a struggle to pay the mortgage. I accepted the new mortgage from Chase Bank. Five years later XXXX XXXX finally contacted me and told me that I owed them all the equity in my home and they wanted payment. They said Chase was wrong and I had to pay XXXX. I could not pay XXXX so they informed me they would be forced to foreclose on my home. 
Today I finally sold my house so I could pay off both Chase and XXXX. 
My complaint is that I feel Chase defrauded me. I would never have accepted a new mortgage from them five years ago if they had told me the truth about the loan from XXXX. I would not have struggled for five years to pay the mortgage and would have been staying with family for free while I finished school.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: Nelnet, Inc.
State: SC
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 have been disputing student loan debt with NELNET for about two years and as of to date XXXX XXXX, 2016 the debt has never been verified. I have sent numerous letters asking them to please verify this debt to no avail also I have previous file complaints to no avail. And according to the FDCPA if this debt can not be verified than they can not collect on it, nor report it to the credit reporting agency. I have recently sent an AFFIDAVIT OF TRUTH ( private statues ) on XXXX XXXX certified mail receipt XXXX XXXX XXXX XXXX. I have yet to receive an response and they are still reporting these accounts on my credit profile. I am currently seeking to sue for violation of the FDCPA and FCRA. I would like for them to please verify these debts or remove them from my credit profile ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
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: Investigation took more than 30 days

Complaint:
XXXX, TRANSUNION, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2022-04-15
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
Pursuant to 15 USC 1692c. ( C ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and original creditor I am demanding all of the following : Zero out the balance on this account. Grant me my title lien free. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports

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 2020-03-12
Company: WELLS FARGO & COMPANY
State: AZ
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:
On XX/XX/XXXX I contacted my bank wells Fargo and the company that charged my debit card XXXX and XXXX  XXXX  about fraudulent. Activity. There were over 100 transaction placed in 6 months XX/XX/XXXX to XX/XX/XXXX, totaling a little more then 2900.00 dollars. Starting the XX/XX/XXXX and everyday I was on the phone with wells Fargo to discuss the claim. They denied me once and said that my XXXX year old has permission to purchase games. Once I asked for a supervisor the sent me to the executive branch which can not make those determinations. Then for the last 2 weeks I  have been hung up on and tossed around departments. I would like all my money returned since I was not the person who made those transactions or authorized the transactions in any shape or form

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 2021-01-04
Company: EQUIFAX, INC.
State: DE
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:
The XXXX account on my credit has been reported as fraud to XXXX years ago as I was encarcerated at the time this happened they said they would investigate it and it got taken off and its back on again and this account is 7 yes old I just want it removed now it only shows on XXXX  and equinox not XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing this XXXX account because it is not me the address they have does not match mines. I also disputed comenity bank/victoria secret and merchant credit guide. It is in violation of the 15 U.S.C 1681G Law this is not verified.

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 2015-10-28
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am disputing a charge at US Bank. I was sent a claim form for ACH entries and electronic checks to fill out and return. I went in to the local branch in XXXX, Mo to make sure I was doing everything correctly. The banker, XXXX, said that everything was right so I asked her to fax it to the claims office for me. I left then 10 minutes later I received a phone call from a non banker with the phone number XXXX XXXX XXXX XXXX that had received the fax. The form had my full checking account number, my name, and my phone number on it. I called the XXXX number for US Bank to tell them of the error and the connected me with the local branch directly. XXXX came on the line and asked what number was on the paper. When I gave her the number that it was to be faxed to she said that it was not the number that she faxed the form too. She did not apologize and she argued with me about the number being incorrect. She told me to come back in to the branch and she would re-fax the form and do a hard close on the account. I could not go to the branch today so she told me to contact the XXXX number again and the customer service bankers could close the account. I did that and while I was on the line with US Bank customer service XXXX contacted me again and told me that she spoke to the cashier that watched her fax the form and they XXXX agreed that the number she faxed it to was on the form so she was going to investigate further and get back to me. She is not taking responsibility for giving my banking information to a regular citizen and trying to put the blame on me for her error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation