BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-13
Company: EQUIFAX, 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: Balance transfer

Complaint:
I did a balance transfer with Chase and I made a purchase which I paid In full before the billing statement. They charged me purchase interest fee and now they tell me that I need to pay the balance in full to avoid any future interest.if that 's the case what 's was that whole sham of 0 % apr.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
Company: Great American Finance Co
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My billing is incorrect I have notified them almost monthly. This is a furniture finance and It has promotions that excludes interest if paid by promotion dates I have paid all of the promotions by the date due to have them closed but there is XXXX for XXXX that was paid and I am getting billing stating that it has not been paid and it's past due which isn't true The rep/sup XXXX threatened me and said that if I didn't pay today I would lose my promotion I attempted to inform him that the bill is incorrect and I needed it to be corrected prior to payment to ensure I am paying correct amount. I am willing to pay what I owe and nothing else To have manager call me to resolve billing issues send an accurate bill and remove all or any late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: Balance transfer

Complaint:
Applied for a Chase credit card online, to transfer balance at a better rate. I was approved but then found out it was for an amount that would not cover the balance of the card with the higher interest rate. I immediately called to cancel ( like within 30 minutes of being approved!!! ) the new Chase card, when I finally got to speak with someone I was told that I can not cancel the card til I get it in the mail. OK, fine, I can do that. MEANWHILE, Chase goes and pays my other credit card for almost the full amount that I was approved for. I did n't want this Chase card, if the full balance of my higher rate card was n't going to be covered. Hence, the immediate phone call to cancel the Chase card. AS you can see, there is clearly a practice going on that ropes people into cards that do n't fit their needs. The immediate approval of the card appears to be a good thing but the consumer should get to say weather or not they accept the amount that they are approved for after that amount is disclosed to them. ( the consumer says " yes I will accept this card '' or " no thank you, it does not fit my needs '' ) Chase has been very rude and unhelpful, they and I 'm sure others are doing this. It needs to stop!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Everest Receivable Services Inc.
State: MD
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:
A company named 'everest receievables ' contacted me by phone and by mail to collect a debt for exercise nation, which is a gym that i never had a membership with. Everest claims i owe XXXX dollars. This is a false debt. I am in the process of mailing them a written letter stating such and to cease contact with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
fraud against chase bank jp morgan XXXX for the FEDERAL DEPOOSIT INSURANCE CORPORATION { FDIC } BY JP MORGAN XXXX XXXX XXXX HOUSE XXXX COUNTRY RECORDS .... JUDGMENT PURSUANT TO RULE XXXX ( e ) for abuse of discretion { atthur v. king XXXX F XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX appeals federal rule of civil procedure XXXX ( e ) Rule XXXX ( e ) real property federal district court pursuant to XXXX XXXX XXXX XXXX NAMING JP MORGAN XXXX FOR THE XXXX XXXX XXXX XXXX DOCKET XXXX XXXX -cv XXXX XXXX XXXX XXXX ACTIONING REAL PROBERTY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been having an ongoing issue with Chase bank. Chase bank closed my account and applied overdraft fees to my account. After doing further research I reminded them that I have always refused their " overdraft protection '' and it would have been impossible for my accounts to have accumulated overdraft fees. After inquiring about these fees, I was sent a very intimidating letter offering me a settlement to pay off the fees at a discount, and threatened that I would never be able to open an account again, as well as threatening to harm my credit. Chase is practicing illegal banking procedures and I want to sue them and hold them accountable for their actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Making/receiving payments, sending money

Complaint:
To whom it may concern, I am writing this about a check transaction I have had between XXXX and Chase bank. I currently have a saving and checking account at XXXX and in XX/XX/2017, I went to open a saving and checking account at Chase ( XXXX branch ). At the branch, I wrote a check to myself ( From XXXX Account # XXXX ) to myself at Chase ( Account # XXXX ) in the amount of {$1000.00}. The rep told me to use the mobile app to deposit the check and kept the physical check. I did the online deposit at the branch but later on the physical check got lost/stolen. The electronic check was deposited to chase on XX/XX/2017 and cleared from XXXX, there was only one transaction going out of my XXXX account on XX/XX/2017 for {$1000.00} and the same day Chase received the fund. On XX/XX/2017, Chase deducted {$1000.00} from my saving account stating the check has been processed more than once. I called Chase multiple times and was told the physical check was presented at another bank, which they would n't tell me the info and the physical check superseded the electronic check so Chase debited my account to cancel the deposit and told me to contact XXXX. I reached out to XXXX but was told the check was cleared only once to Chase on XX/XX/2017 and they had no record showing the same check got deposited the second time. I called Chase again and after a few hours and several agents, they told me the check was with Federal Reserve and asked me to call Federal Reserve and that is all the information they have. I called Federal Reserve on XX/XX/2017 and was told that they do n't work with individual customers, either XXXX or Chase need to reach out to Federal Reserve to investigate. I went back to both XXXX and Chase and both banks told me there is nothing they can do and they would n't reach out to Federal Reserve. So as of now, the {$1000.00} was taken out of my Chase account but was n't returned to XXXX account and I do n't know where the money went and who has it now. Neither bank would work with me any further and told me to go to the other bank instead. I was advised by an agent at Federal Reserve to file a complaint so this can be investigated. I attached the copy of the check, transaction summary from both bank accounts and the statement. Hope this helps and please let me know if there is further information I can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I moved to US in XXXX XXXX. In XXXX, I started receiving many adverse actions from banks/potential landlords due to my Experian Credit Bureau Report. When I contacted Experian to get the bureau report, I was never provided it and was never given a resolution to the problem. Till now, I continue to get declines. As I learn from the people reviewing the reports, I have delinquent trades from XXXX in my bureau reports, when I was not even in US!! Someone can contact XXXX to verify that information. Not being able to rent a house is the most difficult thing. Where am I supposed to live!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received many letters of collection in the mail from XXXX XXXX XXXX / XXXX XXXX XXXX XXXX. I sent them a letter requesting them to validate the debt. Their reply letter did not contain any evidence that I am legally obligated to pay them anything or that they have a legal right to collect under the FDCPA. I sent them another letter telling them to immediately remove the collection trade line from my credit reports since they did not provide evidence that they owe the debt. They sent another letter saying that they " reviewed '' their records and deny their records are innacurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
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:
First off my credits are non transferable. Which they lied and told me the wer accredited and that my credits would transfer. The credits do n't transfer. Second they never told me how much my program was going to cost. I did n't find out how much it costed till the day I got the letter in the mail from the loan company after I graduated. Plus now the program in took is XXXX dollars cheaper than it was when I attended.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We have been trying to resolve my Home equity line of credit for over 2 years now, and J.P. Morgan chase has done nothing but delay process and give me no type of resolution options of than paying the Loan back in full. 
the loan amount was for {$100000.00} and the only option they did recently give me is a Modification for 480 months paying {$380.00} which comes out to {$180000.00}. 
My household between my husband and myself is with SSI, and we are negative on a monthly basis. I already filed a Bankruptcy which at the time included this Line of credit but now I am being haunted by having to pay this and more to Chase. They already hold my first mortgage and now the Line of credit is being pursued for payment. 
I have borrowed money to try and settle the account with them but they keep declining the offers, please help me stay in my home, we are not well and can not handle the piracy tactics that chase is using against us. 
During my Bankruptcy from XX/XX/XXXX through XX/XX/XXXX I was still paying chase {$830.00} monthly which totaled {$50000.00}, Where has that money been applied to???

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My ex wife XXXX XXXX applied for a student loan and added me as a cosigner without my consent or knowledge. Once I became aware of this unauthorized account I filed a police report and contacted chase, initially chase requested copies of the police report which I submitted twice which they said they never received. A few weeks back I attempted to contact chase again, I submitted all paperwork which included copy of my driver license and my signature to show the signature on the application was not mine, they wrote me back asking that I get the paperwork notarized and resubmit which I did. They then responded by stating they find the account to be mine. I asked how did they come to this conclusion, what investigation method was used, but they failed to respond. I have asked my ex wife to please contact chase and claim sole ownership of this account, she said it not on her credit report therfore it does not concern her. I have never attended college and I have never applied for a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: National Credit Systems,Inc.
State: MI
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:
I was sent to collection for a debt I should have never paid. I was never told about this debt. I rented out an apartment and the conditions of the apartment became unlivable. The roof was caving in and had a huge hole in it with termites and unwanted critters coming in. The apartment failed to repair the issue after multiple and multiple attempts. The apartment complex agreed to let me leave a few months early without penalty. When I left, they said I did not owe anything else. I signed the papers and left my keys. in XX/XX/XXXX, I was trying to rent another apartment when they said there was a collection on my credit report and I would have to pay it before I moved in. I paid it in XX/XX/XXXX, even though it says I paid it in XX/XX/XXXX. I was told the adverse action would be removed from my credit report if I paid it in full. It was never taken off my credit report and now the company is saying I 'm lying about it. I am extremely upset this fraudulent charge can even happen without proper steps being taken. A company can just say that I owe them money and send me to collections without having to go to court and prove it. 

I have paid the apartment well over {$1000.00} a month the entire lease and was never told about a final fee or charge of {$160.00}. If I was told about it, I would have fought it at that time if it was fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I recently pulled my credit reportJPM Chase is reporting a charge off on my acct I called them several times to verify the debtI told them I never received a bill they said they were sending it to an old address it looks like they send the card to a wrong address and someone stole my card or my card number was stolen through a store I dunno. I explained so I asked them to send me all charges on the acct starting from XXXX dollars till XXXX dollars that they are reporting they failed to supply me with the charges on the bills all they sent me was XXXX statements of ending balances with XXXX purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: JPMORGAN CHASE & CO.
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
XXXX XXXX XXXX/Chase took {$5000.00} that I over paid on my lease account and gave the dealer a {$5000.00} credit on the dealers payoff on the vehicle which I returned. Unfortunately, when I requested a refund I was told " NO '' by several customer service reps and their escalation team. Another department Customer Account Research has requested and received a copy of my bank statement showing the cleared check. I was never informed that the overpayment would be applied to the dealer 's payoff. I had planned to purchase the leased vehicle, but I changed my mind. No contract was ever received or requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-29
Company: Lien Enforcement Inc
State: AZ
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:
I am resubmitting complaint against Lien Enforcement. Inc ( follow up to submission XXXX as I have clear and to the point proof that the car was as I said, NOT under my name and had been transferred as of XXXX XXXX 2015, as release of liability and title was transferred over. This document is solid proof, and before I raise this to legal grounds, you immediately remove me and anyone else from your fraudulent " list '' of " owners, ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: North Shore Agency, LLC
State: OR
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:
On XX/XX/2016, I bought a XXXX contract at Target that included a Galaxy S5 cell phone. The phone HAD TO BE returned within 2 weeks to cancel the contract. I found XXXX 's rates too high and their service unreliable. Just before I bought the phone, customer service told me that this would not cause my rate to rise. After I bought it, they changed their minds. The new rate for the XXXX phone would have been over {$1000.00} per year. On XX/XX/2016, I returned the phone to Target before the XXXX deadline and got a receipt ( see p. XXXX of XXXX ). XXXX has been lying about the return date and billing me for an " early termination fee '' ever since, in spite of repeated attempts I made to correct this ( p. XXXX of XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: The Bureaus, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a collection account on my credit report maintain under my Social Security number from a collection agency the Bureaus Inc stating I owe {$10000.00}. On XX/XX/XXXX I mailed them a certified letter formally requesting validation of the debt pursue to the Fair Debt Collection Practies Act. I requested validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. I also stated that it is a violation of the Fair Debt Collection Practies Act if they can not verify the debt they must notify all XXXX credit bureau 's to remove/delete the entry. The United States Post Office had made two attempts to deliver a certified letter to Bureaus Inc address listed on my credit reports from XXXX XXXX XXXX XXXX, IL XXXX. The United States post office returned a letter to me XX/XX/XXXX.I notify all XXXX credit bureau 's listed above in this complaint the address provided for ( Bureaus Inc ) by their agenciesand the post office was unable to deliver my certified letter that 's violating my due process of an adverse action as I was seeking to get information of this debt filed under my Social Security number. I asked all XXXX credit bureau 's to validate the information with Bureaus Inc and provide me with copies of any documentation associated with this account bearing my signature and stated to them in the absence of any such documentation bearing my signature I formally request that the information immediately be deleted from their credit file maintain under my security number. I also mentioned in my letter in accordance with section of statute 611 you are required to remove this account from my credit report as it is undeniable proof of and in accuracy of a reporting on my credit history. The three major credit bureaus stated that the information is correct upon looking at my credit reports Bureaus Inc updated my XXXX credit report on XX/XX/XXXX XXXX was updated on XX/XX/XXXX and XXXX what 's updated on XX/XX/XXXX. As verified how could Bureaus Inc validate my Debt and yet at the same time refuse to except my certified letter asking for verification and validation of any evidence bearing my signature of this account. I believe that Bureaus Inc is acting in bad faith, and not have complied with the Federal Trades Commission 15 USC 41, et seq. Subchapter V Debt Collector Practices. I feel that they are liable for willful noncompliance as per FCRA 807 false and misleading representation [ 15 USC 1962e ] for their unwillingness to except my certified letter requesting validation of the debt.

Company response to consumer: Closed with explanation