BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, Please help! I feel like my consumer rights have been violated and I have incurred damages as a result. This is my last effort to get help before seeking the advice of an attorney and suing in court. 

I am a XXXX and attempting to purchase a home. I had a student loan charge off several years ago ; that I am working on settling. The mortgage company and several of my creditors have denied me loans/credit because they are stating that according to TransUnion ( XXXX and XXXX have it correct ) they are reporting that the charged off account has a monthly payment of {$41000.00} per month x 235 months and thus puts my monthly debt to income ration off. However, the entire balance was {$41000.00} and the monthly payment was {$220.00}. 

I disputed this with TransUnion now 4 times and have spent hours on the phone with no resolution. TransUnion tells me that they are not reporting {$41000.00} per month. However, when they sent me the investigation results it clearly shows the terms they are reporting. Please see attached. 

I contacted XXXX XXXX the owner of the account and was advised that they are not reporting a monthly payment of {$41000.00}. I don't know what else to do! I am unable to purchase a home or get lines of credit due to this error. 

Please see the attached document from TransUnion and advise me on my rights. 

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 explanation
Consumer complaint received 2021-06-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
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:
USAA is still reporting a credit card on my credit report that has already been paid off and closed. This account is old and should be removed from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
My XXXX son XXXX figured out my XXXX password and in XXXX days made {$2700.00} in-app purchases on his iPad without my permission and billed to my Chase credit card. I attempted to dispute these charges as unauthorized with Chase, a customer representative told me that in order for them to recognize the charges as unauthorized I would have to BRING CHARGES AGAINST MY XXXX SON. This is outrageous. According to the Truth in Lending Act, I am only responsible for {$50.00} of unauthorized purchases. I am also unhappy about their failure to decline purchases and contact me concerning them, when it is quite obvious that this was aberrant purchasing behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have had issues with the post office at my last address where for XXXX weeks I never received a single piece of mail no matter what I did ( including file a complaint with the postal inspector general ... ). 

Chase Bank has not marked the lost card as stolen as far as I can tell and I had to speak with XXXX XXXX*** representatives refusing to do anything about the new checking account 's debit card I NEVER RECEIVED. Only when I finally insisted on speaking to a supervisor was I informed that I could GO INTO A BRANCH to prove my identity in person and request a new debit card or wait until XX/XX/2016 to request another by phone. I have had plenty of issues with cards in the past and I have never had such issues getting a replacement. 

I already overpaid {$27.00} for only XXXX checks because I DO N'T HAVE TIME TO VISIT A BANK BRANCH, especially for minor bulls*** that is not my fault when I have XXXX businesses to run. 

If I need to go into that branch, it will be to CLOSE EVERY ACCOUNT I HAVE WITH CHASE before transferring all of my business elsewhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: APR or interest rate

Complaint:
I paid off a credit card on XXXX/XXXX/2015. I received my next statement on XXXX/XXXX/2015. The statement shows my XXXX cash payments ( due to transaction limitation of online bill pay service ) The statement shows a previous balance of {$13000.00} It shows a payment/credit of {$13000.00} There were {$44.00} in purchases and an interest charge of $ XXXXXXXXIn the " interest charge '' portion of the statement, it shows a " Balance Subject To Interest Rate '' of {$4900.00} for an interest charge of $ XXXXXXXXWith a previous balance of {$13000.00} I did not understand the " Balance Subject to Interest Rate '' or how it was calculated. I called the bank and was told this was " Residual Interest '' or trailing interest. The bank further explained that the balance was a calculation of the average daily balance from when the account first started to carry a balance SEVERAL YEARS ago to the point when the account was paid off ( XXXX/XXXX/2015 ) My understanding of the recent credit card law changes was that this was illegal, in that, credit card companies were not allowed to calculate " trailing interest '' further back than the current billing cycle. In other words, it is illegal to calculate an average daily balance over the life of the card ( life of a balance carrying card )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
State: FL
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:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
State: AZ
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
State: IL
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 am a victim of Identity theft my personal information was stolen and account where open by a unknown I Identity theft. most of the account where cleared up but now this account in question was sold to a collection agency. I would this account to be remove as it is the same account that was removed before. the collection agency is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card
Issue: Billing statement

Complaint:
I have applied twice for Amazon sponsored credit cards. The last XXXX was from Chase. Both times after opening and purchasing on the accounts they have automatically enrolled me in paperless statements and by the time I actually get a paper bill ( calling them after email alerts on account ) I am charged late fees. I always pay my cards on time and usually in-full. I seriously believe this is a ploy ( since it has happened twice ) they are using to extort late fee payments out of customers. Both times they say the paperless option was chosen and it was not. I am familiar with the prompt screens they use for paperless and always say No Thanks. I believe they are using Paperless as the default no matter what you pick.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2014 Chase Banking copy, s of my bank statements a loan That I know nothing about this company was taken money out of my account Rise they have been sued Chase bank put on XXXX I have sent letters to them also I have had fraudulent accounts from loans to credit cards I have sent copy to law frim to look at I did know any loans never gave any to take any money out of my accounts Chase will not working on this to delet account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
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:
Hello, I recently pulled my credit report to look for financing and seen incorrect information that I would like deleted immediately. I have tried to consult with these creditors with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
MY WIFE AND I HAVE BEEN DEALING WITH CHASE BANK FOR AT LEAST XXXX YEARS IN ASKING THEM TO EXPLAIN WHERE OUR PAYMENTS WENT. CHASE SENDS US ACCOUNTING STATEMENTS WITH DIFFERENT INTEREST RATES FOR THE SAME EXACT TIME PERIODS. THEY HAVE MIS APPLIED OUR PAYMENTS AND WE GET THE RUN AROUND FROM XXXX DIFFERENT DEPARTMENTS. WE NEVER GET ANY SATISFACTION AS TO OUR QUESTIONS. TAKE FOR INSTANCE TODAY, I RECEIVE A CALL FROM XXXX AT XXXX P.S.T. I RETURN THE CALL AROUND XXXX P.S.T. THE MESSAGE MACHINE FROM THIS CHASE BANK PHONE NUMBER STATES THAT MY REPRESENTATIVE IS NOT AVAILABLE BUT IF YOU WANT TO TALK TO SOMEONE ELSE, PLEASE PRESS XXXX. I PRESS XXXX AND THE RECORDING SAYS WE ARE NOW CLOSED! THIS WAS XXXX P.S.T. I CALL BACK AND LEAVE A MESSAGE FOR OUR REPRESENTATIVE TO SAY WHAT IS GOING ON? WHY ARE YOU CLOSED ON A WEDNESDAY AT XXXX XXXX? THIS COMPANY HAS FILED FORECLOSURE AGAINST MY WIFE AND I AND THEY SAY IN THEIR WRITTEN CORRESPONDENCE THAT " THEY ARE HERE TO HELP ''. IF THAT IS THE CASE WHY DO N'T THEY HELP? MY WIFE IS XXXX, I WORK XXXX DAYS A WEEK. WHY CA N'T WE RECEIVE SOME OF THE MONEY THAT CHASE WAS FINED FOR THEIR WRONG DOINGS? CHASE IS REQUIRED TO HELP HOMEOWNERS WITH PRINCIPAL REDUCTIONS OR MORTGAGE RELIEF AS PART OF THEIR SETTLEMENTS WITH THE STATES AND THE FEDERAL GOVERNMENT. I WANT AND I NEED THEIR HELP BUT WE HAVE SPENT XXXX OF HOURS ON THE PHONE WITH THEIR " SUPPORT TEAMS '', THEIR " ESCALATION DEPARTMENT '', THEIR " EXECUTIVE OFFICE '' BUT ONE DEPARTMENT HAS NO IDEA WHAT THE OTHER DEPARTMENT HAS TOLD US OR HAS DONE. IS THIS THE AMERICAN WAY?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: COAST PROFESSIONAL INC
State: IA
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:
Have never heard of Coast Professionals until my wages were garnished. Never received notice from them. Been going on for 4+ months. Sent them letter asking for verification of this debt, received nothing with my signature, never marked disputed on my credit reports, breaking federal law. And my credit reports showing total of {$12000.00} in debt, this company is garnishing me for more than {$17000.00}. Garnishment led to me being late on rent payment for XX/XX/XXXX, and now I am a homeless single father with a XXXX year old daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My name is XXXX XXXX and I have a check systems claim from JP Morgan Chase Bank on my check systems report for an old checking account I had with them In 2010 that was comprised due to identity theft. They sent me XXXX misc this year to forgive the amount they cclaimed was over drawn but they still have me in check systems for fraud. Someone stole my debit card and attempted to deposit stolen credit card checks into my account I made a police report and they still closed my account and now I ca n't open an account anywhere. Pleas help with this thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
An employee of Hunter Warfield named XXXX XXXX [ employee number XXXX ] called me on XX/XX/2022 at XXXX XXXX  EST and left a message to call him back. I have previously sent Hunter Warfield a cease and desist letter in writing by mail to not contact me by phone, email or mail.

I have previously sent Hunter Warfield information to verify that I am the victim of identity theft and that I do not owe and have never owed any debt obligation in Florida. I have attempted to obtain information from Hunter Warfield in order to submit a criminal complaint with local Florida authorities. These attempts have been dismissed by Hunter Warfield.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Cash advance fee

Complaint:
During a dispute of the type of fee charged to my account Chase stated that they would credit back the {$10.00} fee as a courtesy ; however, later charged the fee back to my account. Their previous email did not indicate that the credit would be reversed dependent upon what occurred with the dispute. This appears to be a deceptive practice towards consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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: Their investigation did not fix an error on your report

Complaint:
There are a lot of inquiries on my report that are unauthorized. I want the inquiries removed immediately! They violated my FCRA by requesting for my credit report without my knowledge!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a credit card through citizens bank. Recently I missed a payment and paid late. After paying everything off I contacted the customer support to make sure that everything was good. I double checked about all extra fees and costs, specifically asking them about any extra fees. The representative assured me that there would be no extra fees after paying the amount in full. The following month, I discovered that they had still charged extra interest on my account. I called customer support and their resolution was to not hold their representative accountable and to still charge my interest to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I walked in my bank Citibank to transfer money from my account. They ( specifically the branch manager XXXX XXXX and bank teller XXXX XXXX from branch XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX gave me a hard time to complete my transaction. I believe they treated me poorly and suspiciously because of my race. The amount was substantial and they I believe they thought the transaction was fraudulent because of my race. They had no other reason to treat me the way they did. It took over 2 hours for them to finally agree to process my transaction.

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 2016-05-07
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for a loan with big picture loans.com, when I spoke with the representative who was a lady, she advised me that I was approved for a XXXX dollar loan and my pay off balance would be XXXX dollars. XXXX dollars would go to my finance charge. I have XXXX options to pay the loan back. The first is to pay the XXXX in full by the first payment date of XXXX/XXXX/2016. The second is to make monthly payments of XXXX a month. No where did she mention the amount of the finance charge would b 793.6667 %. After she finish my paperwork I was advise I can log into my to check my payment status. I was unable to check anything put the payoff balance which said XXXX dollars. Once my first payment was taken out of my account I wanted to check my payment amount for the month of XXXX. That 's when I was able to view my documents and see the ridiculous amount that they are charging me for a XXXX loan. I was very upset because I can not afford to pay back XXXX XXXX dollars on a XXXX loan that I borrowed I can see XXXX dollars that I was told. I 'm a single mother of XXXX with no help from anyone, that 's why I turned to the loan but not to be robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: ERC
State: VT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX agencies, Enhanced recovery collection and ERC. They insisted on me to pay the amount. The creditor is XXXX company. XXXX denied because it has no account information in the system. suggesting me to file ID theft. or dispute it at XXXX credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
State: PA
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 am reaching out to seek the deletion of 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.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
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: Credit inquiries on your report that you don't recognize

Complaint:
Requested and received preapproval for auto loan from  XXXX  on  XXXX / XXXX / 2017 . Bought car from   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX , MO  XXXX , (  XXXX  )  XXXX . Dealer had participation agreement with  XXXX  for purchase so no need for additional inquiries to be ran. Did NOT authorize additional inquires. Dealer ran inquiry through their system on  XXXX / XXXX / 17  without authorization. Also ran  XXXX  additional inquiries thru  XXXX  portal without concent on  XXXX / XXXX / 17  and  XXXX / XXXX / 17 .  XXXX  stated they only initiated inquiry on  XXXX / XXXX / 17  which we agree. the other  XXXX  are invalid, did not consent for  XXXX / XXXX / 17  and  XXXX  on  XXXX / XXXX / 17 . all  XXXX  should be removed.     I talked to th e Finance Manager  at  XXXX   XXXX  and he said he had to run report due to liability. We did NOT concent to inquiry since we already were preapproved thru  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