BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-17
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I applied with Chase Bank for the Paycheck Protection program within minutes of their website opening on XX/XX/XXXX. On Monday, XX/XX/XXXX, I received email confirmation and a link to fill out the full application. I began this immediately but midway through, realized I needed a tax document for payroll that I requested from my accountant. I received that documentation on XX/XX/XXXX and I returned to the link and completed the application. 

After that, I heard nothing from Chase. There was no confirmation that they received my application or the tax documents I submitted. The PPP fund is now out of money but Chase has communicated with me via their XXXX XXXX ( there is no way to contact Chase bank about the matter via phone and they have not responded to my secure emails in over a week ). Unfortunately, Chase has told me that I should have received an email email when my full application was submitted. I have this documented they said this. However, no other Chase small business banking client Ive spoken with received a confirmation email and all of our applications were denied for lack of funding in the PPP. I believe Chase may have a system issue that prevented applications from being processed and I would like a formal response from Chase as to whether the bank is in possession of my application and the confidential tax documents I submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in XXXX of XXXX I filed identity theft because someone used my information for a cXXXX XXXX XXXX  and I never lived or was associated with the address. It was removed from my report l. Im XXXX of XXXX it comes back on my report and the I explained to the company and the credit bureau. They still has it listed stating I am responsible for the debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent several certified letters disputing several collection accounts on my report. 
Equifax has either NOT responded or asked for proof of ID. Other Credit bureaus have deleted the same reports, why is equifax being so stubborn and unreasonable?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My personal information is not match. Make sure to right my ssn and full name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: VA
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:
This is my XXXX attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Balance : {$19000.00} US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is my XXXX attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Balance : {$19000.00} US SM BUS ADMIN ODA Date of inquiry : XX/XX/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 2022-09-29
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: CITIBANK, N.A.
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Citi Bank sent me an invitation by email to open a savings account called Acceleiate Savings. I would receive a {$300.00} bonus with a {$30000.00} balance. It had a code number to identify offer to be used when opening account. It said to open online or call Citi using offer code. This was in XX/XX/2022. I decided to call Citi so there would be no errors in opening. I told the associate I wanted to open the accelerated savings account with the {$300.00} bonus offer and gave her the special offer bonus code. I then sent in the {$30000.00} which has now been there for over six months which is double the time required for bonus. I called in four or five times asking about my bonus and was told they see nothing wrong with the account and I should have received it by now. Three time they messaged a complaint for me and three time I received the same form letter saying the account was opened incorrectly. Apparently she did it wrong because now Citi refuses to give me the bonus to me. It is not my fault that Citi associate opened the account incorrectly..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Commonwealth Health Corporation
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX. Saying I have 3 items on my credit report and it's been paid and they are trying to get more money out of me. These bills have been paid and they won't take them off my credit report. I have ask them to remove them and they say unless I paid them directly they won't remove them. I'm very concern that they are ripping other citizens off. Please investigate this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-09-29
Company: Marlette Funding, LLC
State: AL
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:
1. I contacted XXXX XXXX on several occasions to have the fraudulent inquiry removed from my credit profile. XXXX XXXX refuses to remove the fraudulent information. I provided them with a letter stating that the XXXX XXXX inquiry made to Best Egg / Marlette Funding was deemed fraudulent. XXXX responded by sending me an Explanation Of Inquiry letter. 
2. Best Egg / Marlette Funding failed to request removal of fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of 2020 I moved into my new home at XXXX XXXX XXXX XXXX in XXXX. My new home was new construction and when I called XXXX to transfer service from XXXX XXXX XXXX XXXX XXXX advised that they did not have the infrastructure to provide service to the newly constructed home. The tech on the phone explained that since XXXX was not available yet in my new neighborhood their would be no termination fee. I subsequently took the XXXX equipment to the XXXX store in XXXX and the store tech re-confirmed that there would be no termination fee. I returned the equipment and paid my bill in full and got a receipt. 

Subsequently, I received a bill from XXXX for the equipment and termination. I called them multiple times to remove the charges. Nonetheless, the bill was sent to a collection agency last year. I disputed the bill and remitted the receipt for the equipment. It has now been placed with a different collection agency ( IC Systems ) and they are offering a settlement. I called and explained this and they refused to provide an email address or fax number for written communication. 

The bill is for {$400.00} and I have already lost more than that amount in the loss of productivity because of the time spent on the phone. 

I would like this resolved immediately so I am not threatened with negative impacts to my credit by this fraudulent behaviour.

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 2021-05-18
Company: EQUIFAX, INC.
State: NH
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 disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Army and Air Force Exchange Service
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor ARMY/AIR FORCE EXCHANGE has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose. 


Resources : 1. 15 U.S. Code 1681 - Congressional findings and statement of purpose | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX 2. 15 U.S. Code 1666b - Timing of payments | U.S. Code | US Law | 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 explanation
Consumer complaint received 2022-09-29
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company just put something on my credit report that I didn't know anything about haven't heard anything about this debt and when I tried to contact the original owner of the XXXX they have sold their business and merge with another so they no longer had any of the information to give me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I took an Auto loan from Chase Auto for approximately XXXX, *** dollars for XXXX XXXX XXXX  on the XXXX of XX/XX/2022. 

After that, I paid them approximately XXXX dollars bringing my principal down to the amount XXXX, ***. 
Looking at the higher interest rate charged by Chase auto at 3.99 %, I refinanced my loan with XXXX at 1.49 % on XXXX XX/XX/2022. 

After that XXXX sent the check for the payoff amount {$46000.00} to Chase Auto to close my account. On XXXX XXXX chase auto received my check and closed my account stated as paid in full. 

I continued paying XXXX, my monthly installments. 

On XXXX XXXX, I received a call from JP Morgan chase that I have not been paying my installments. After the confusion, I filed a complaint with XXXX. XXXX from the Executive branch was assigned to my case and he confirmed that Chase did a mistake on XXXX XXXX and sent the check back to XXXX without informing me and they did not realize that until XXXX XXXX that they have sent the check back. 

After that, I informed XXXX about it, and they started the process of canceling my loan affecting my credit score. 

Now, my loan is back to Chase Auto and I am liable to pay higher interest again. why? because chase auto did a mistake? 
I was willing to live with it, and paid them XXXX $ as the last 4 months ' payment and charged me XXXX $ interest for that amount, and deducted the least amount from my principal. 

I want chase Auto to match my interest rate of 1.49 % and also to fix the interest they charged me for the last 4 payments. 
Everything is caused by Chase Auto here, alot of confusion, wishy washy answers and trying to hide whatever they can.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-21
Company: ADP Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Automatic Data Processing ( ADP , LLC ), XXXX, XXXX and XXXX has violated my consumer rights In Accordance With U.S.C 15 1681. Also ; The Gramm Leach Bliley Act. There is a need to insure that consumer reporting agencies such ADP , LLC and other CRA 's adopt reasonable procedures for meeting the needs of consumers for consumer credit, personnel insurance and other information in a manner which is " Fair and Equitable '' to the consumer with regard to the confidentiality, accuracy relevancy and proper utilization of such information rather than use my information as a potential investment. Instead, ADP , LLC has been compiling files of information about me and also stating that my report has been verified. Please provide documentation of this verification that you have first hand information gleaned from my friends, family and known associates as required by law. Transactions are being sold to third parties without my explicit written or oral consent knowing that such information is supposed to represent me. This is Identity Theft by creating a profile of who I am, my credit worthiness and credit reputation. 
REF : XXXX. ADP , LLC and the CRA 's have a grave responsibility to respect my privacy, as I have the Right to not have my private property information to be reported with any financial institution, any bank or company. The Consumer reporting agencies are not appointed by congress. Therefore, their company policies do not super cede the law or my Rights. ADP , LLC and the CRA 's are in violation of my Non public private information because they have an obligation to respect the privacy of it's customers and to protect the security and confidentiality of the consumers non public private information. I did not specifically provide explicit written or verbal permission for this company to gain and have access to my non public private information with a non affiliated third parties. Furthermore, ADP , LLC or XXXX, XXXX or XXXX did not provide clearly and conspicuously ; disclosure to myself the consumer in writing or electronic form by the regulations prescribed under section USC 15 6804 or 15 USC 1681 ( k ) that I had a non disclosure option to opt out of any negative items on my report.

Company response to consumer: Closed with explanation