BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Awhile ago, I had opened an account with Chase. After a few months I decided that I would stay primarily with XXXX XXXX because I thought they were better so I closed my Chase account. Months later, after alot of complaints with XXXX XXXX, I decided chase was the better bank and I closed my XXXX XXXX account and decided to go back to chase. 
I used a XXXX  dollar bonus voucher and the rules under it state that an account could not have been closed withing 90 days. When I emailed asking how to get the bonus because there was no place to enter the voucher, I recieved a reply on XX/XX/XXXX & I was told my XXXX  dollar bonus was going to be applied and all I had to do was set up a direct deposit before XXXX. I am including all the emails. As you can see, it was in reference to THIS account in question. 
After my first direct deposit was made, I contacted them several days later to see why my bonus was not applied and they claimed I could not have it because I can't have two bonuses within 2 years and said the person who emailed me saying I would get it was referencing my old account. As you can see in the screenshots, my new account in question was clearly listed in my query and her response. 
I asked repeatedly for them to present me with reading material on this " 2 year '' rule as I presented them with the 90 day rule which was included in the ONLY rules listed under the bonus faq on thier site AND on their voucher. They would not show me. 
Ultimately, in their last response they acknowledged that I was correct in the rules I stated and stated they would no longer respond to me. Basically " oh well '' and I never received the bonus for banking with Chase again. I will stay with them because I prefer it to XXXX XXXX, but like every other bank, they're liars and cheats.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 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. XXXX XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX  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 XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act 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 Section 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 2022-07-14
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:
I did not give written consent, or permissible purpose for creditors to access my consumer report-this should have never occurred without my permission. Please see attachment for the specifics on this issue.

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 2016-08-07
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was part of a workman 's comp claim. I directed hospital billing to my insurance claims adjuster. Hospital continued to call me. I instructed them this is a workman 's comp claim and I am not the party to pay for this bill under California Labor Code section 3751 ( b ). They have submitted me to a collections company for payment who continues to call me instead of insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Solomon and Solomon, P.C.
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
1. The Solomon & Solomon send me a letter dated XXXX, XXXX, had been retainedby New Jersey XXXX XXXX XXXX Assistance. Notice of opportunity to contact within 30 daysto dispute the debt and statement they are debt collector. The letter was never sand regular or certified. 
2. I respond on XXXX, In that letter I asked Solomon & Solomon , PC. to validate the date. The letter stated to respond to a specific Notary Public, within 30 days. The leter was send by certified mail and received by Solomon & Solomon, Pc. on XXXX/XXXX/2015. 
3. I also pulled down my credit report and saw that this debt had been charget off. 
4.Solomon & Sollomon garnished pension of the co-signer, on the amount of {$2000.00} with out notifying me as primary creditor. ( This is a felony ). 
5. I was servet withlawsuit on XXXX, XXXX Solomon & Solomon regarding this maner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was over charged for paying late when I did not pay kate. I also asked to lower my monthly bill as if was too high and I can not afford to live and pay my bills such as rent gas car. I was told That I could not Lower the monthly payment and could only change to interest only which means I will means I will never have my student loan paid off and can. Of afford to live

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I fell behind in my Credit cards payments as a result of medical issues that have caused issues in with my budget. I was contacted by Bank of American and agreed to a payment plan in XX/XX/XXXX. I was told by the Bank representative that if I made three months worth of payments that my account would re-age and I would be able to return to regular payments however I would be charge a late fee as a result of my payment still being behind for the next three months and my account would reported as late to the credit bureau. I was also told to call each month after the agreed payment was made. Since XX/XX/XXXX I have made the payments each month and called each month since only to be told SOMETHING DIFFERENT each time by representatives from Bank of American. It is almost XX/XX/XXXX and still my account is being charged a {$35.00} late fee and my account is still being recorded as late and that is being reflected on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am getting repeated emails from a debt collector in southern California who claims that I owe nearly {$600.00} dollars for a electronic traffic violation in XXXX XXXX two years ago. I have not left the country in over 10 years. I received the latest email at XXXX today, XX/XX/2021. I have received 3 of these so far. I have been sent to collections before, I have never seen an email trying to collect period, especially with just vivid writing and font, I called the number, there was a totally generic operator that answers and a very disgruntled, mean woman picked up the transfer. When her tone was too much to bear we had words and she told me off and hung up, which is suspicious in of itself. They go by the name of Cedar Business Services and they claim to be based in XXXX California, The also want me to contact them at email XXXX XXXX XXXX XXXX, another weird sign, trying to be more official.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: OH
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:
After reviewing my credit report, I noticed the account XXXX  XXXX XXXX XXXX, was reporting some inaccurate information to the major Credit Bureau Experian. I noticed that the Date of Last Activity, Date Opened, and Payment Frequency was reporting differently across all three credit reporting agencies. I submitted a factual dispute to Experian showing them the errors on my credit report. Based on the information I provided them, I told them that based on the inaccurate information that was being reported on my credit report, the resolution I would like is for the erroneous information to be deleted off of my credit report. Experian performed and investigation but did not give me the results that i requested, nor did they update any information that was reporting inaccurately. I will submit documentation of the letter that I sent them and I will also provide their correspondence.

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 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
After reviewing a copy of credit report a couple of months ago, I realized I've become of victim of identity theft when I noticed several fraudulent accounts that were established without my knowledge or consent. I sent out letters to XXXX, XXXX, and Transunion along with supporting documentation. I also submitted a identity theft report which included a detailed outline of the fraudulent accounts and addresses listed on my credit file. Transunion failed to provide me with any accurate verification of the fraudulent accounts that are currently in dispute. It has been over 30 days and as of now my consumer rights have been violated under the Fair Credit Reporting Act. Transunion never requested a block within 4 days after being notified of the fraudulent accounts from my initial dispute ( 605b ) and continues to report them on my credit file which has caused financial burden as well as denial of credit from creditors. Transunion has failed to provide 100 % accurate verification as per section 609 & 611 constitutes. Transunion has failed to provide any correspondence whatsoever in regards to any of my disputes which is unacceptable. Due to these numerous violations Transunion must be held accountable for their actions and remove the fraudulent accounts from my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
i have became a victim of identity theft since 2005 i have major police reports i had everything stolen from me i talk to navient hundreds of times and they told me that it will remain on my credit navient debt collectordidnt verify collectionno contract no sigiginature they told me that i should have been more careful and held on to my purse i was XXXX and for them to say such unbelievable words was beyond me. i had no choice to report them to get some help on this

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
calling my husband harassing him telling him they will sue for money not owed to them, consistently pursuing my husband to give them information about anothers information he does not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan is currently being serviced by FedLoan Servicing. I consolidated all of my loans in XXXX and began PSLF at that time as well, I have worked in XXXX XXXX for over 11 years. I noticed on my last statement that they stopped counting 3 years of prior service for me from XXXX - XXXX, when I called to inquire as to why, I was informed that my loans had been re-consolidated in XXXX and that service prior to then would not be counted. That's 5 years of service! I DID NOT RECONSOLIDATE MY LOANS!! Why would I when I already consolidated them all in XXXX, my service was being counted and my payment was XXXX? Now in speaking with the company, they admit it may be an error and will remove the new consolidation but they will not count any payments after XXXX! These people are crooks and clearly double-dipping! Please help me rectify this matter, I just want to be made whole and returned to my original disposition.This agency and this PSLF program is supposed to help lenders like me, not rob us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Loan Depot conducted a loan analysis and increase my monthly mortgage payment around XX/XX/XXXX. However they failed to notify me of this change. I found out when I received a letter, dated XX/XX/XXXX, from Loan Depot stating my payment was short. I called Loan Depot to find out why ; they explain an analysis is conducted once a year to adjust for taxes and insurance changes. I informed them that I did not received and ask for the analysis to be mailed to me. I have never received the analysis but adjusted my recurring payment through my bill pay service accordingly. Come XXXX, I received a call that they did not receive my payment. On XXXX XXXX, XXXX, I had my bank fax verification that the payment was made electronically. On XXXX XXXX, XXXX, Supervisor XXXX left me a message that the payment was received and returned to me because the payment was short. To my surprise, Loan Depot once again increase my payment without any notice effective XXXX XXXX. According to two different Loan Depot associates, the check was sent back on XX/XX/XXXX or XX/XX/XXXX, check number XXXX. On XXXX XXXX, XXXX, I called Loan Depot and informed I did not received the check and for a stop payment to be placed and reissue. I called again on XX/XX/XXXX to find the status of the check because I still have not receive the check. I was informed that the stop payment was done on XX/XX/XXXX but a new check have not been issued but will be within the next 7 - 10 days. In the meantime Loan Depot continue to apply late fees and additional interest to my loan. I believe this is Loan Depot way to charge additional fees and damage credit to keep customers with them, preventing to from re-financing with the best rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it 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 2020-03-11
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am being collected for a medical bill by Credit Service Company INC of XXXX  XXXX, phone number : XXXX, which has bought my supposed debit from Accounts Receivable. Although I have already disputed the bill amount directly with the hospital ( the amount was inflated, so much that the doctors decided to change provider ), and although I have notified in writing Accounts Receivable, they have reported the collection which has now affected my XXXX  credit score. I believe this practice is illegal, and one disputed medical bill ( out of dozens I have paid normally ) should not affect my XXXX   score and hence my ability to get a loan. Thank you for your patience and for looking into 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 explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2017-05-27
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: Information belongs to someone else

Complaint:
My child is a minor and has a credit report. My personal information has been wrongfully added to his credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the XXXXederal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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