BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-17
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Since XX/XX/XXXX, someone has repeatedly ( 8 times ) attempted to open Chase credit cards and Amazon credit cards through Chase Bank. These applications are showing up as hard inquiries on my credit report, and I am not applying for these cards nor am I authorizing the hard inquiries. I have received letters from Chase letting me know of this attempted fraud and have called the number provided to have those applications deleted and requested that the inquiries be removed from my credit report, and I have also placed a 90-day fraud alert on my credit file. I also signed up for XXXX. Despite this, I am still having someone trying to open cards with my information. After months of taking all this action to prevent this from happening, it continues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have contacted Capital One by registered mail on XXXX separate occasions since XX/XX/XXXX, requesting a validation for account. The first being delivered and signed for on XX/XX/XXXX, On all occasions, they failed to provide the requested documentation, information, or to notify credit bureaus of the dispute. 
All steps followed CFPB examples and Capital One failed to properly validate and send me all of the documents CFPB indicated I could request. 
On all XXXX occasions they failed to notify any of the XXXX major credit bureaus that account was being disputed by consumer as required by law. 
After my XX/XX/XXXX letter requesting validation, not only did they fail to notify any of the credit bureaus that account was in dispute. But in possible retaliation, on XX/XX/XXXX they notified XXXX the account was over credit limit again. This over limit was reported by Capital One to the XXXX credit bureaus in late XX/XX/XXXX, and the account according Capital One has been closed since XX/XX/XXXX. 
In XXXX I made an on-line dispute through XXXX in regards to a separate issue about this account. At that time the dispute was reported by Capital One to XXXX and XXXX as account being disputed and that dispute was resolved. However, it was not resolved or investigated. 
At the time of the filing of the online dispute, XXXX was NOT notified this account was being disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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: Account information incorrect

Complaint:
Equifax Consumer Credit Reporting Agencies is unlawful posting of debts to my credit files pursuant to The Consumer Credit Protection Act Title VI - Public Law 91-508 - United States Statutes at Large 84 stat 1127-1136 & The Fair Debt Collection Practices Act USC Title 15 section 1692, and the Fair Credit Reporting Act USC Title 15 section 1681 I have filed disputes and equifax still reporting the 12 inaccuracies on my credit file Credit Reporting agencies have the lawful duty to notify the alleged creditors of this dispute according to USC 15 section 1681 ( i ), ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. This matter has been disputed and after CREDIT REPORTING AGENCIES take the required action of notifying the other parties listed herein I am demanding that this inaccurate information be removed pursuant to USC title 15 Section 1681 s-2 which states, USC Title 15 section 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.i reported Professional Financial Service for fraud and you have failed to block this account from my file pursuant to 15 U.S.C 1681 ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Despite an account being closed for over a decade, Bank of America is reporting a current delinquency for the month of XXXX, XXXX on my credit report at the XXXX XXXX  and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XXXX XXXX, XXXX. When disputed to the credit reporting agencies, this account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over XXXX XXXX XXXX and must be removed from my credit report. 

Repeated requests for assistance have fallen on deaf ear. I have provided my fully personal identifiers and account number to Bank of America on several occasions. Despite several disputes to XXXX XXXX and XXXX they continue to maintain the account, although they themselves have admitted to the CFPB that they can not locate it. Moreover, XXXX separate messages were left for a " XXXX XXXX '' at Bank of America. None have been returned.

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 2017-04-14
Company: The Bureaus, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Multiple attempts at disputing both with the collection agency and the credit card company itself. I sent documentation showing that the debt was not mine ( they offered proof ) and with an open dispute it was turned over to collections. The collection agency told me that debt in dispute could n't be turned over so I was wrong or lying. They then continued trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights 15 USC 1681 SECTION 602 States I have the right to privacy.15 USC 1681 SECTION 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit pans as late for purpose

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 2017-08-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since the beginning of XX/XX/XXXXever since the previous lender sold the paperwork to a new investing company XXXX XXXX XXXX has treat us as the previous mortgage company, begining as the previous company ending with with their predatory lending practices. 
No mortgage statements have been sent from the servicer since XX/XX/XXXX, inquiring with them is impossible, w/ remarks from a Rep. XXXX XXXX recently, on ( XX/XX/XXXX ) @ XXXX, for me to prove it. 
When l told him l was recording our conversation, he responds, " l 'm going to have to end this conversation '' ... Click! However there 's double standards everytime l call them their message recorder tells me, our conversation will be recorded They 're being totally unreasonable to any of my requests. 
I 've asked to remove a lien from the previous lender that still shows on my Title Deed, in the amount of {$100000.00}, since they 're the Servicer of my present loan and the previous lender no longer has anything to with my loan as their voice recorder says. " Contact my loan Servicer. '' I am also asking for closing documents on the original loan from the orginal lender. Anything like a documents on the transactions that have transpired and where l stand or better than that where do they have anything or than to raise the amount of my original lender in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My name is XXXX XXXX XXXX and my AMEX account with the account number XXXX is still being displayed on my credit report despite the fact that it has surpassed the 7 year statute of limitations. This must be removed because of the illegal practices that has been made. I've already sent dispute letters to both the Credit Bureaus and AMEX and up until now there was no resolution that occured, Kindly take action to address this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent the credit reporting agencies letters last XX/XX/2021, notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and I want to seek legal action about 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 2018-05-07
Company: AES/PHEAA
State: UT
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:
I attended XXXX XXXX College in XX/XX/XXXX. The loan was in the amount of {$5000.00}. 
The loan was paid in full in XX/XX/XXXX to XXXX XXXX XXXX in XXXX, NY. I just received my latest credit score from XXXX   and its showing a student loan in the amount of {$18000.00} that was opened in XX/XX/XXXX. I've been living in XXXX XXXX, Utah since XX/XX/XXXX. I have never took out any student loans in XX/XX/XXXX nor do I know anything about the loan. If you have any proof of the student loan in question please mail the information to me at the below address. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Accounts/Accounts # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-04-12
Company: DISCOVER BANK
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I am alleging discrimination by discover card which has been suspected all along. I need all copies of complaints i have made as i believe once i retain counsel this is headed to court. Nothing has been resolved. The same person XXXX XXXX is answering my emails to follow up on promos I request and that I am told may be available to me. I have asked anyone who answers me to tell me who they are based on the horrible way i am treated. I am being discriminated against and i want it investigated. XXXX XXXX continues to mischaracterize my unresolved complaints and requests as " dissatisfaction '' I dispute that. Its resolve. You see being in my XXXX and handling credit well all my life with many banks i know this is discirminartory. I will stop paying all accounts and take steps to protect my credit based on the discriminartory way i am being treated. Years ago i was told notes on customer accounts telling other agents not or to do something in particular was prohibited but its done all the time here. Further when i make REQUEST I am transferred to a specific place. I will not and can not keep spending my time writing here. I have stopped paying all accounts because if i am reported to credit after trying to get help not counselling for credit not being sent the agreement but a promotion as i was promised by collections. I will not let my credit suffer and i will not be treated in this discriminatory fashion. 






































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Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Hello I have had my loans withXXXX XXXX etc whom all my loans were sent to this company from XXXX til XXXX, I became XXXX and submitted several XXXX they say from faxes from old emails etc that tgey never got, they say, they even garnished my social security check and took a tax return.I have done another discharge when i got up the nerves of how this goes again, to go over what was needed and get it from social security for them to say they need social security to tell them more, no my paper they sent me tell more tgan enough, and this happened a few days ago before my 60 day wait for it to be done, I even paid interest inschool and a out and stopped an the interest they were charging still exist under the whatever interest, or no interest now, thats old interest transformed.Please contact me had use 2 names to my loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The company enrolled me in Credit Protection I was not aware of that.

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 2017-08-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been put on multiple deferments and then made to jump through hoops including signing up for at least 3 other sites and then rejected for IBR because I was told the IBR is only for people who 's loan payments are over 50 % of their income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Five payments totaling {$1800.00} have been sent from my Chase checking account to XXXX XXXX XXXX for payment on my XXXX  using my XXXX  account # instead of the XXXX Account #. The electronic bill payments were never posted to XXXX. I have provided the Proof of Payment printouts to XXXX. XXXX states they must have a 15 digit Trace No. in order to track receipt of the payments. Chase said there is no Trace No. or paper check available. I have disputed this with Chase, to no avail. I have conferenced called with both XXXX and Chase. I have late charges and late payments as a result. I can not produce to XXXX a Trace No. that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Account Ending In : XXXX Claim ID : XXXX Date Error Reported : XX/XX/2022 Claim Total : {$900.00} I have attempted to resolve this issue with Chime Financial multiple times. They refuse to treat me fairly & give me a proper investigation. On XX/XX/2022 I attempted to add {$900.00} to my XXXX XXXX XXXX XXXX declined my transaction to add funds but the {$900.00} was still removed from my chime account. I followed up with XXXXXXXX XXXX after the transaction cleared in my chime. XXXX XXXX support did a screenshare with my phone & confirmed the funds did not go through nor post to my account. I asked where did my funds go & XXXXXXXX XXXX was unaware & advised me to contact my bank. 

I have attempted to resolve this matter with XXXX but they have stated they did not receive any funds. The {$900.00} is showing deducted from my account ending in XXXX. Despite my best efforts XXXX has not been able to assist me with funds they deducted out of my account. XXXX is claiming they have never received the funds. I believe they did & it should have been added to my XXXX XXXX 

I contact my bank after they advise me to contact my bank which is chime financial. I submitted a dispute on XX/XX/2022 and within 24 hours my dispute was denied. I filed a Rebuttal & i included additional evidence that supports my claim and shows that the transaction was denied as well as communication between me and the merchant confirming I did not receive those funds on my XXXX XXXX and Chime Finacial still denied my claim I reached back out to XXXX XXXX and they advised me that chime financial has yet to contact XXXX XXXX regarding this matter so I am not getting a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am not sure to say if it was paid or not mine. AT the time of this service i went to location and was required to pay for the visit because I had no insurance. I was seen and at check out payment was collected. This is their policy since i was un-insured. I have asked numerous times for an agreement signed by me where more money was invoiced. Everything done that day was required to be paid .... They continue to try and collect this debt even though it should not have been billed. Please send proof of visit and charges, as I have asked many times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had XXXX company to make the payments of ours home mortgage in XX/XX/2019, then they transfer our account to a company called shellpoint Mortgage Servicing, New Rez LLC dba and since that they only sent to us one paper bill and stop doing it! I called to them and asked about my bill on paper for XXXX and they said that will sent it to me and nothing yet now we are late and their online billing option does not work yet, is not fair that we never have problems with XXXX making payments a month ahead and that since this transfer account we do not wan na gon na get affected with extra fees of late payments and a possibility that they will destroy my credit score that I work hard to keep and maintain in a good score. we need help in this situation, thank you!.

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