BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-30
Company: Experian Information Solutions 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:
About XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. Around XX/XX/XXXX I received this response : The company that reported the information has certified that the inofrmation is accurate. This item was not changed as a result of our processing your dispute. Please review your report for the details. XX/XX/XXXX I  replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, but this credit bureau has a bankruptcy reporting on my credit and has it listed as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.

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: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I live in XXXX and I had a credit card with Chase, which I cancelled this summer ( I believe in XXXX or XXXX ) and paid off in full, as far as I knew. I remember that I called Chase and spoke to people on the phone to close a checkings, savings, and this credit card account, at which point I know I paid everything off, because that was the entire point of closing them -- my wife and I were consolidating our banking with XXXX. 

I recently got a notice that my credit score had dropped and then learned that Chase has been charging me late fees and interest on the card for months, so that I know have an outstanding balance of {$270.00}. In looking at my statement, it appears as though Chase, in XXXX, charged interest of {$130.00} on the previous balance AFTER I had paid the card off in XXXX, and then just kept charging late fees and more interest on top of that for months after the account was closed, without my knowing. I have received nothing from them formally notifying me of this outstanding balance, nor did the person I spoke to on the phone when I closed the account mention anything other than that it was paid off and closed in full. I 've only received generic 'Your statement is ready ' emails that make no mention of it, and which I viewed as spam since I had already closed the account. I paid off the balance just now so that the problem will go away ( hopefully ), but I also want to make sure it gets reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep 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 unacceptable!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: FORD MOTOR CREDIT CO.
State: WA
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, FORD CRED add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card
Issue: Other

Complaint:
Chase Bank is reporting inaccurate information regarding the date of last payment to XXXX ( Report XXXX, dated XXXX XXXX, 2016 ) and XXXX on XXXX accounts ( XXXX ) and ( XXXX ). The date of last payment is showing as XXXX 2016 ; however, the actual date is XXXX or XXXX 2016, according to my recollection. 
On XXXX XXXX, 2016, I called Chase to discuss the XXXX accounts, at XXXX XXXX XXXX XXXX XXXX, the number on my XXXX report. I spoke with XXXX ( no id number ), who transferred me to ( XXXX XXXX XXXX XXXX. 
I spoke with XXXX XXXX XXXX XXXX regarding this matter. She stated Chase is no longer reporting ; however, I advised that their prior reporting from XXXX is still showing on my credit reports. 
XXXX stated they could send an " update '' asking the credit reporting agencies to check the agencies ' own records to see if they were reporting the date of last payment correct. I advised that would not accomplish anything, as I had disputed this previously directly with the credit bureaus unsuccessfully. 
I asked if Chase could check their own records to see what date of last payment they had in their own statement records of the account, and they refused to do so, stating that the records had been provided to XXXX and I would have to contact XXXX. 
Either Chase has these records, but refuses to confirm the information internally ; or Chase is continuing to report information despite having no documents to support the information. 
I also spoke with XXXX, supervisor, Chase XXXX XXXX XXXX, who reiterated the same information that XXXX had stated. The connection was very bad and he stated he could not hear me. I advised I would file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had a home equity line of credit. The line was closed and the the amount of the money borrowed from the line was created into a new loan when the house the line was associated with was sold. I have made the agreed upon monthly payments since the terms of the new loan was established. This loan is reflected as being " charged off '' and " delinquent '' on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
Today, I checked my credit report. It is stil showing the Hard Copy of Capital One Bass Pro ran on my credit from the state of iowa on XX/XX/20. The credit bureaus will not remove this until the company does it. This is not mine, I do not live in Iowa, no one was authorized to run my credit. I want this removed. I have no credit card number as it is not mine! I do not live in Iowa never have. Please remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Experian Information Solutions 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 Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep 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 unacceptable!

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 2016-10-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase inherited my bank account from Washington mutual in The 2008 financial crisis and begin charging servicing fees on what was a free student account at W AMU. Chase is refusing to refund the charges, which I have just noticed on my statements, and is being evasive and uncooperative. in the last two years they have charged XXXX {$25.00} servicing fees and are refusing to tell me how many fees they have charged since 2008. Also, they are only refunding XXXX of these fees and being uncooperative in both the branches as well as the customer service line. They have lied to me multiple times including telling me they would do a service review, when in fact upon follow-up, no review had ever been taken place or there was no resolution. I believe this is an attempt to placate the issue, extort fees from their customers without their customers consent or knowledge, and they should be investigated as well as published.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I booked a ticket using my chase sapphire card on XX/XX/XXXX using the chase travel service for XX/XX/XXXX to travel from XXXX to XXXX. The country issues a travel ban on the XXXX and I have been trying to reach them since then i have been on hold for 6 hours today, XXXX hours yesterday and was hung up without being connected. Today I reached out to the dispute team to let them know what is happening and was told they cant dispute the charge as it has not been cancelled and gave me the same number to cancel which is not going through. XXXX can't cancel as this is a third party ticket even though they have a full refund policy for the tickets right now due to the COVID situation. And chase is not willing to help people in distress. No channel to reach out for escalations either. I spent {$2400.00} ( points+cash ) on the transaction the itinerary number is : XXXX. I am on extremely sensitive timelines and i still wasnt offered any relief, no helpline no email address for sending my concern nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I recently inquired to my auto lender Santander, as to why my balance has not been going down, I have had the loan for 6 years and I still owe a significant amount of money. I was told that there were some late fees ( of which they seems to be more than it should be ), but even more so I was told it was the way the interest was accruing. I could not get a lucid explanation for how this " interest '' was accruing at such a seemingly inordinate way. I want to have this looked into, as I believe the customers are not being disclosed as to how the interest is being calculated or added on. I think that a refund or a reduction to balance is in order. Santander is very difficult to deal with and you get different explanation every time you reach out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Global Credit & Collection Corporation
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Global Credit Collection Corp No. Account XXXX No Credit Card *******XXXX  Amount XXXX XXXX  XXXX/ XXXX credit Card This company is charging me a debt that is not mine, has personal information mine but I have never made purchases with this credit card,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Fraudulent inquiries and inaccurate account information

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 2022-03-22
Company: National Credit Adjusters, LLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Square Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a Cash App account and on XX/XX/XXXX, I noticed multiple unauthorized transactions were made from my account to XXXX XXXX ads in the amount of {$1100.00}. I am not a XXXX XXXX subscriber, and I tried to get help from Cash App to resolve this issue, but you can only reach them by email. I have made numerous attempts to resolve this issue, but no one is responding. Unfortunately, there is no way to contact Cash App via telephone to talk to a live contact support person. 
. 
i am upset because I need to pay my bills and I was let with only {$5.00} to my name in my account. 

I just want the funds returned, so that I can transfer the funds to a more safe accoujnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a letter from ERC Collection Agency in re XXXX XXXX XXXX XXXX XXXX demanding {$150.00} or settlement of {$95.00}. This is an attempted shake down for a debt discharged in  chapter XXXX bankruptcy as of XX/XX/17. I have not attempted to contact this entity so as not to validate this matter unwittingly because it is invalid due to the discharge afforded by the BK Proceedings. This company is trying to perpetrate a fraud during this tax season as is common by collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
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 is missing that should be on the report

Complaint:
XX/XX/XXXX Three DEBT COLLECTION ATTEMPTS XXXX XXXX CREDITCARD. see EQUIFAX attatched. XX/XX/XXXX XXXX {$6.00}, XXXX limit balance {$0.00}. XX/XX/XXXX last reported. Date Closed IS BLANK STILL LEFT OPEN WITHOUT MY CONSENT OR KNOWLEDGE. ( 3 ) Three calls to collect today XX/XX/XXXX came from XXXX  XXXX HARRASSERS XXXX XXXX XXXX XXXX. XXXX  XXXX COLLECTION ATTEMPTS TO COLLECT DEBT NOT OWED. XXXX AT XXXX XXXX confirmed my social not even in her system. WHY WASN'T THIS CLOSED YEARS AGO? WHY IS XXXX XXXX REPORTING INCORRECT INFORMATION TO EQUIFAX? WHY ISN'T EQUIFAX RESOLVING?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Progressive Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
About XXXX calls per day with a computer on the other end. I will make the payment when I have the income, they have been told I 'm not currently working and still I get around XXXX calls per day.

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 2016-06-21
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
RE : Follow Up Documents to Complaint # XXXX I have just received an auto response email from your office, thank you. 
Please know it appears that US Bank is partially completed a review of my accounts and has requested an additional 60+ days to formally reply to your office and me personally. 
Therefore, it is my request to ask that you join this complaint with the original in an effort to insure they have ALL of the documents available to them, that may not be a part of their electronic records. I would appreciate your help with this as I do not want to do anything wrong but need to stress the importance of these attached documents. When I first filed the Complaint I wanted to include them, but taking care of our XXXX daughter XXXX did not allow me the time I needed to convert certain documents in to appropriate formats for transfer and viewing. 
Thank you for helping our family, 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 2015-04-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Around XXXX of XX/XX/XXXX we were 2 months behind on our mortgage payments. We were told that we could apply for a modification and so that 's what we did. After being told we qualified for {$70.00} less on our normal payments for 3 months, we were also told to not make a payment until XXXX XX/XX/XXXX. Under this plan we would be protected from foreclosure. We were then told after these 3 months, if we paid on time there was a possibility it could be lowered more and become permanent. While {$70.00} was n't going to help us very much, we decided to accept this trial period in hopes of further help in the future. However, what we did n't know was that we would also be accumulating unpaid months and after our trial period was up we would be further behind and in worse shape than ever. We now are 6 months behind because of this so called " help '' we received. I do n't see how this was supposed to help us at all. We did everything were told to do only to find later that it has hurt us beyond help. We are now concerned about losing our home to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello my bank account was wiped clean on the night of XX/XX/2020. I currently have Bank of America. Somebody stole {$1200.00} from my account and left me with {$20.00}. I received a letter within a week of when my case was closed. I called on XX/XX/XXXX and they closed my case within a day. The letter on the date is XX/XX/20. I will attach it below. I had to reopen my claim on XX/XX/XXXX. They told me they filed a hardship which is suppose to speed up the process and I have yet to receive an answer. I have called on multiple occasions and I still don't get a response. Some representative tell me they filed another " hardship '' while I have other representatives are telling me they aren't doing any " hardship '' claims because of the volume of fraud cases they are receiving. I feel like they are playing around with me. Every time I call its always something new and I get the run around. I was told by a Supervisor named XXXX that legally they had 45 days to give me a response. I called after the 45 days I still get no response other than its still pending. I was told by another supervisor that I was suppose to receive a progress report in the mail and I have yet to receive that. That same person was the one who told me they had done something wrong on their part because its been more that 45 days, but when I call back they tell me they have done everything they could on their part. I will also be attaching my last billing statement as it is a EDD account.

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 monetary relief