BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-18
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I had a JC Penney payment due on XX/XX/2017, the payment has to be made by XXXX on the due date. I had made the payment on their website through my checking account like I always do. I have a confirmation email that the payment was made XXXX. I received a {$25.00} late fee!! The payment was made in plenty of time to AVOID that. They can not put a late fee on because of a payment made on the due date in plenty of time. They should not be allowed to harass all of their customers with this type of late fee.

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 2022-04-17
Company: Experian Information Solutions Inc.
State: AZ
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 # XXXX & XXXX XXXX # 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 stated a consumer reporting agency can not furnish an account without my written instructions.

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 2016-07-13
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # 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 2015-10-15
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I refinanced a single family residential rental with Chase Bank XX/XX/2015, with the first payment having a due date XX/XX/XXXX. On,or around XX/XX/XXXX I received a telephone call at work from an individual representing Chase Bank telling me that my payment was over due and demanding specifics as to when the payment would be made. I informed the gentleman that although the payment was due XXXX, that it was not delinquent until XXXX and I would be making the payment prior to that date. We had a considerable discussion during which I informed the gentleman that I was self-employed and my cash flow was such that I could not promise payment on any certain date, but it would be paid prior XXXX. This did not satisfy he gentleman and I finally told him that I would make it by the following Friday. Once again XX/XX/XXXX I received a similar telephone call at work and had a similar discussion. XX/XX/XXXX I again received a telephone call, this time at home in the evening, from a young lady representing Chase and we had the whole conversation again.

Each time I was told that the loan was due XXXX and that if I did not make the payment prior XXXX I would receive a "courtesy reminder call". This is nothing courteous about these calls, the callers are not rude, but are so relentless that they verge on threatening. I spoke to the loan officer at the Chase Bank where we arranged the loan and was told that he had never heard of this type of behavior.  All of my payments have been timely and I do not intend that they will ever be made on a date late enough to allow the bank to charge me a late charge. I consider the repeated, unnecessary telephone calls at work and at home in the evening to be nothing but unjustified harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Persolve, LLC - Legal - Series 2
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Persolve Legal Group XXXX is reporting an open balance of {$7000.00} from an original debtor of XXXX XXXX XXXX. I have disputed this claim twice with Persolve Legal Group, on XX/XX/XXXX and XX/XX/XXXX yet it remains on my credit. 

This claim stems from a vehicle that was purchased on XX/XX/XXXX for a XXXX XXXX XXXX purchased from XXXX and financed by XXXX XXXX XXXX. This vehicle was a covered by a XXXX XXXX XXXX XXXX and this vehicle is no longer in my possession as a result of a loss that the lienholder, XXXX received the price of the loss from XXXX as a result of this loss! I spoke with XXXX today, XX/XX/XXXX, by phone at XXXX spoke with XXXX XXXX, XXXX of XXXX Customer Service, and XXXX XXXX advised me that XXXX XXXX XXXX, as the lienholder of my vehicle, recovered the price of the loss of the vehicle, via the GAP insurance policy issued by XXXX, on XX/XX/XXXX, policy # XXXX. I requested verification in writing, as the customer of the policy and was advised that since XXXX XXXX XXXX received the funds, they could not release this information to me. However, this debt has been paid and needs to be deleted immediately and imminently! 


This same account was reported by another agency, which I disputed in XX/XX/XXXX that collection agency from XX/XX/XXXX was forced to remove this collection account from my credit and then it was sent to XXXX XXXX XXXX, who keeps reporting this completely false information!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF EDXXXX DPT EXXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: RoundPoint Mortgage Servicing LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been making my payments on time to Roundpoint Mortgage Servicing Corporation since they purchased my loan from XXXX. I made an extra half payment in XXXX. Since XXXX they have not figured out how to apply my payments. They keep sending statements saying I have not paid and keep charging me late fees. I have to keep calling in every month to get this corrected. It also took over six months to change my homeowners insurance with them. I am sure they have reported my " late '' payments to the credit bureaus.

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 2022-04-17
Company: Experian Information Solutions Inc.
State: AR
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  Account 1.XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2.XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
3.XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4.XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
5.XXXX  Account Number : XXXX Please remove it from my credit report 6.XXXX  Account Number : XXXX Please remove it from my credit report. 







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 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 2022-04-17
Company: EQUIFAX, 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:
I noticed unauthorized account on my credit report. Someone else applied in my name According to the FCRA this Unauthorized and unverified account must be removed immediately. 

XXXX XXXXXXXX XXXX : Account # XXXX Date opened XX/XX/XXXX ( 3 yrs, 10 mos ) I also noticed an Unauthorized Inquiry that i did not approve The inquiry is unauthorized and unverifiedand must be removed immediately. 

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had few accounts with Barclaycard US and called them in to get my accounts closed. They then asked me to stay on with their company, in exchange for a retention offer, which they promised to put bonus points on my account, after some different charges I will put on my account. so I stayed on with them. However, I soon realized this was a gimmick, and they did n't even give me the chance to do so. it was just for them ; to be able to suddenly close it without notice, instead of me doing it, and to get it reported on my report as closed by credit granter, which is decreasing my credit score significantly. When I questioned them as to why they decided to grant my request to close it? their answer was since I drastically want over my credit limit. This is odd even if I would 've not have paid, as with every other bank either they do n't allow you to overcharge, or it 's no issue, especially weird of course after I paid already almost full balance. All this happened only after I warned them I 'll start litigation against them. since they were refusing to send a mid cycle update to the credit reporting bureau about a very large payment I made on the account right after the statement closed with a high balance, which is ruining my score as well. Despite the fact, that they did update right away the closure of my account done by them, even though it was still open on the closing date of the statement. They are not acting in good faith as every other bank would 've done to send an update to the bureau, even after I advised them of the damage it 's causing to my report having a large balance. They are also refusing to rectify the reporting as closed by consumer. I had a very big lost by using their cards above other companies, especially that they are not allowing me to redeem the rewards I legally errand by using the card and paying for it. In the past they also once in error stopped a check sent to me causing me damage. NEVER SEEN A BANK BEING SO STUBBORN NASTY!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7300.00} XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made three payments through the Pnc bill payer to the XXXX XXXX   under the nick name XXXX account on : XXXX {$30.00} XXXX {$50.00} XXXX {$30.00} None of the money has been applied to the XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Had a college card, put some money on it, did n't pay it. Went to the bank directly to settle and they would n't work with me on paying it. I asked if I can pay {$200.00} and they said no they wanted {$600.00} to start it. I only had a {$1000.00} limit and they added $ 200+ fees on top of it. I was willing to pay it off if I was given an opportunity to but they would not work with me at all.

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 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States l 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 account without my written instructions.

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 2022-04-17
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 received a credit card from XXXX XXXX XXXX  that I never applied for and received a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home has been in pre-foreclosure since XXXX 2014 because of the situation my estranged husband put me in. I am a victim of financial abuse and have been working with several government agencies to recover from the economic burden he has left me and my XXXX small children with. The concern I have with the current mortgage company is the time frame that this pre-foreclosure process has taken and we still have not even had an underwriter give me any options to keep the house. They keep asking for more, and more and more. Anytime there has been a request I have given it to them in a VERY timeley fashion. I feel as though I am being drug through the mud so that I am forced to give up the house and walk away just by there tactics of wearing me down and draining all of my free time getting them silly documents and then they never received the first ones so i have to XXXX or fax them all over. I have very good notes of all they have put me thru, it actually fills an entire brown grocery bag. Please help me to get to the end of this lenghty process and hold them accountable for the time they have drug this out. I need a roof over me and my kids heads and at the time this started all government programs were full and could not help me. I am now going back and asking them for help since this has been a complete nightmare trying to XXXX, care for XXXX kids and give this bank all my free time to get nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: JPMORGAN CHASE & CO.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I " had '' a Chase checking account in XXXX of 2016. My Chase debit card was stolen and used and there were unauthorized purchases made all over the nation within less than a month. There were over XXXX transactions done in a matter of a few days.Once i attempted to notify chase that this happened they proceeded to file a claim, i notified them that i am in the XXXX and am soon to be XXXX and would not have access to check the status while away. The representative was then assuring me that i need not worry and that they have a fraud department that handles these types of situations and if anything i will receive a " provisional '' credit within XXXX to two business days. I submitted the claim and 30 minutes later received an email saying my claim was denied. i rushed to call to find out why and the representative notified me that there was a single transaction ( out of the XXXX transactions ) that was not filed in the claim and proceeded to end the dispute at that point. I then notified her supervisor that the missed transaction was not my fault and was a simple mistake of the previous representative due to a large amount of transactions within the week, and i clearly stated from a certain date until the present date were fraud so she understood and refiled the claim but notified me that because of the previous denial it would be more likely to be denied again but she included the transaction that were missed and put notation on the claim of the error. the following day i received an email stating that it was denied again, i then called to question and was told it was because of the first denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, 2016, I went to Chase Bank at XXXX XXXX XXXX, XXXX XXXX, FL XXXX, to cash my security deposit check from my landlord XXXX, ( corporate name is XXXX ) that was made payable to me. When I gave my XXXX types of ID and my check the bank refused to cash same because on their client 's account it was indicated that a person could not cash same. I was furious because when they want my money they want money orders and yet when I receive my security deposit I ca n't even cash it. I had to take the check and direct deposit it to my personal bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: MI
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 company placed a security alert on my report that I did not write or consent to. Someone from there had to do it because they stated that I was XXXX military XXXX which I have never done in my life. This false information has caused pain and suffering upon me. It stopped a complex from renting to me, which is compromising my livelihood and my reputation.

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 2022-04-17
Company: EQUIFAX, 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:
I noticed unauthorized account on my credit report. Someone else applied in my name According to the FCRA this Unauthorized and unverified account must be removed immediately. XXXX  XXXX XXXX : Account # XXXX Date opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) I also notice an unauthorized inquiry that i didn't approve XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation