BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-17
Company: LEXISNEXIS
State: TN
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent a letter to lexis Nexis challenging the validity of these alleged bankruptcies they have listed on my reports. I recently Challenged this same account with the credit bureaus, and they came back stating that they have verified this account with Lexis Nexis. I have gone to the courthouse, and they have also stated they did NOT verify this information. I requested from lexis nexis to please send me whatever documents of information they have personally used to verify these alleged bankruptcies, immediately. If they can not produce such documents these bankruptcies needs to be removed from my file as it is defaming my character as well as update the credit bureaus. As of XX/XX/XXXX I have yet to get a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
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: Investigation took more than 30 days

Complaint:
XXXX I sent a ltter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2022 a fraudulent company charged {$6500.00} dollars in my Chase XXXX in XXXX separate transactions. The company nodepro.Io does not exist, I disputed the charges and Chase initially reversed them in XXXX. In XXXX Chase recharged my card for XXXX indicating the hacker provided receipts which were falsified and Were purchases I had never heard of for a downloadable software product. I re-opened the claim XXXX times and each tune Chase upheld the XXXX but the vendor hacker did not dispute the {$290.00} charge. They provided my IP address and falsified receipts. Chase took the lies of a criminal over their loyal customer. The receipts were lies with fake information. Chase has lied to me, hung up on me, transferred me around and am out {$6300.00}. I am so frustrated and they have believed criminals over trusted customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX entered a consumer credit card transaction with XXXX XXXX on XX/XX/2016 Pursuant 15 USC 6802b XXXX XXXX never disclosed to me that I had the option to opt out of this transition being reported. My social security number is an open ended credit plan. 
Pursuant 15 USC 1692g I'm the original creditor, natural person, private individual of this account. 
15 USC 1602d the term " organization '' means corporation, government, governmental subdivision or agency, trust, estate, partnership, cooperative, or association, XXXX XXXX is a corporation. 
XXXX XXXX also reported this transaction to a consumer reporting agency which is a violation of 15 USC 1681. This credit arose from a credit card which is supposed to be excluded from a consumer report. 
My account was sold to a third party without my consent or my permission. As a natural person/ private individual, how can a corporation/ legal person sell or report my private information to a third party without my permission or my consent? Without consent it is Identity theft. 
XXXX XXXX have violated my rights as a Federally Protected Consumer several Federal laws under 15 USC 1692 & 15 USC 1681 have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Nelnet, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In 2011, I applied to the University of XXXX, XXXX send the student loan directly to the University of XXXX. I took 3 classes and realized that my online course was not taught by licensed professionals and canceled. 
I kept paying until I realized three classes do not cost {$10000.00}. I wrote the department of Education a letter about that I had paid almost half of the loan and that three classes do not cost the amount I had already paid. However, I did not get any response and filed a docket within the Federal Court in XXXX. This case was dismissed, yet the Department of Education contacted me three years later from the headquarters of the Department of Education from Kentucky. This issue is in my credit reports since 2011. 
Because of this issue my credit scores are down and I suffered personal damages. I was misrepresented and misguided because I was told I have to file a Loan Borrowers defense in order to have it removed. Can you be of help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Theft of money from my Chase Bank account. 
On XX/XX/XXXX, I borrowed XXXX $ and deposited in my Chase Bank Account. Unknown persons hacked into my Chase Bank account and stole the {$10000.00}. They distributed it to unknown persons. 
I had nothing to do with this theft from my Chase checking account, but Chase bank will not honor my claim of theft and will not restore my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: CMRE Financial Services, Inc.
State: VT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020, I received care at XXXX XXXX for a second XXXX XXXX. Prior to my appointment, I met with the billing department and paid the patient responsibility for the procedure of {$160.00}. The billing representative informed me that this was the total cost for the services that would be provided during the mammogram. On XX/XX/2020, I received a bill from XXXX XXXX XXXX for {$52.00}. I called XXXX XXXX in regards to the bill and they told me to call XXXX XXXX as they were not aware of any additional charges. XXXX XXXX XXXX informed me that the charges were for the radiologist. After I explained to them that I was told that my total out of pocket expense was {$160.00} which was paid the day of the procedure, the billing rep told me to get a copy of my EOB for the charges. In XX/XX/2020, we had to move due to my husband losing his job. I never received the EOB or any additional correspondence from XXXX XXXX XXXX. On XX/XX/2020, I was notified by XXXX credit journey that a major derogatory has been posted to my credit report by CMRE a collection company for XXXX XXXX XXXX. I informed XXXX XXXX XXXX that I never received any correspondence ( not a letter, a phone call ) from CMRE. The representative opened up a resolution case and informed me to call back in 15 days. We were scheduled to close on our home on XX/XX/XXXX however, due to the significant change in my credit score from XXXX to XXXX, we no longer qualified for the original terms and conditions. I write this as a plea to remove this major derogatory action on my credit report. I have never paid a bill late or had anything sent to collections. I have tried to call CMRE 5 times and the number just rings, no one has answered. I am at your mercy and beg you to please help me with this situation. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Benworth Capital Partners LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Applied for PPP loan thru XXXX, SBA approved and funded, XXXX XXXX sent deposit on XX/XX/XXXX to my bank, and on XX/XX/XXXX initiated a reversal of funds from my bank account with no explantion. Contacted XXXX XXXX XX/XX/XXXX, spoke XXXX ( operator ) who in turn sent an email to the appropriate dept about my concerns ( XXXX XXXX ). XXXX XXXX has no working phones and do not respond to emails. XXXX XXXX sent email on my behalf to XXXX XXXXl on XX/XX/XXXX and someone called me only to be told " they have so many applications it would be impossibel to trace mine ''. I am going to file a police report for theft of funds if this is not resolved amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, Ive just learned that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: NJ
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:
Their investigation results verified this account but did not provide the procedure of description on how they verified this account. Under 15 U.S.C 1681i ( 6 ) ( B ) ( iii ) it clearly states A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency I am requesting the description of the procedure used to verify this account. 

Account name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am having issues opening up a Citibank Checking and Savings Account online. I had a previous checking account with Citibank in XXXX and the checking account was closed with a negative balance. The balance and debt I owed to Citibank was discharged in bankruptcy court under Chapter XXXX on XX/XX/XXXX in the United States District Court District of Minnesota Bankruptcy Court. Citibank is discriminating against me and not allowing me to apply for credit or open up a checking account due to my previous checking account with CitiBank, which the debt was discharged in bankruptcy court. Citibank is also discriminating against me due to my race, me being XXXX XXXX ( XXXX ). Citibank is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. I deserve a second chance checking account with Citibank. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : 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 2020-01-18
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XX/XX/2019, I contacted Experian about the inaccurate name and address reporting on my credit report. Experian refused to correct and allow my credit file to reflect my correct name and address.

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 2022-08-01
Company: EQUIFAX, INC.
State: GA
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 acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # 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 states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: Credit Control, LLC
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: Investigation took more than 30 days

Complaint:
I disputed inaccurate reporting by XXXX XXXX XXXX on my credit report stating that I owe of past private student loans. My records show that I have paid in full these loans. Over the period of the loans, XXXX XXXX XXXX has sold the debt numerous times and at the same time continued to report the debt under XXXX XXXX XXXX XXXX. I contacted the company XXXX XXXX XXXX is using called Credit Control LLC in XXXX FL, they were helpful in accepting that I provide my proof of payments for the XXXX XXXX. I mailed 8 years of proof of payment which included the attached documents along with my personal bank account statements which showed these payments were made to XXXX XXXX XXXX and their Creditors they sold the loans over the years. I ask for a full review and any records XXXX XXXX XXXX has that showed I did not pay these loans in full. I received a letter from Credit Control LLC stating that XXXX XXXX XXXX investigation response is that I still owe the loan amount and Credit Control LLC would continue to report on my credit the amount outstanding under XXXX XXXX XXXX name. I was not given any proof that the current reporting on my credit report are linked to the Student Loans I made payments on. I believe XXXX XXXX XXXX has sold the loans off and did not receive the payment I have records for and continue to collect and hold me liable. I am yet to hear directly from XXXX XXXX XXXX on the proof of payments I have submitted to them and a reconciliation of the loans I paid off. They can not show any proof with the payment I made and how they were applied to the loan and why they continue to show a balance on the Student Loan accounts and reporting the account as charge off collection. These inaccurate reporting by XXXX XXXX XXXX has damaged my credit rating and caused me to be turned down by banks, and financial agencies. I am exhausted at dealing with XXXX XXXX XXXX and have no other place to turn to get them to correct and fix this error. I only ask that they reconcile the account and show me how my payments I've made of the years were applied to the loans I borrowed and explain why I owe them a balance they are claiming when my records showed I paid the loans off. Since I've contacted XXXX XXXX XXXX and can not get them to provide me this information it seems that they are taking part in collection practice that is illegal and violation of the fair credit reporting act. If I could afford to file a lawsuit against XXXX XXXX XXXX I would have done so as their response to my letters and their lack of providing proof of the debt and payment I made to XXXX XXXX XXXX and its Creditors is something they have yet to provide 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 2022-12-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been making transfers to and from accounts and then suddenly my funds was being held for 5 business days then 10 business days, then we i did a mobile deposit the funds was held even though the system said i could deposit up to XXXX, the check for was XXXX and i should have had immediate access to my funds and because i didnt, i had several bills and payments declined and was sent back and then i suffered many NSF from USAA XXXX dollars for each occurrence, this has to constitute some kind of fraud on USAA part. 

Also if you will look at the pdf of my bank statement you will see where I was charged XXXX dollars Over draft fee, I WILL NOT STOP FILING A COMPLAINT UNTIL IM TREATED RIGHT AND USAA FIX THIS ISSUE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, my mortgage was supposed to automatically withdraw the monthly payment. On XX/XX/XXXX, I logged into my account and there was no sign of a payment being processed for the month of XXXX either in past or pending payments. There was a box that indicated the next automatic payment would be processed on XX/XX/XXXX. I then made a payment on XX/XX/XXXX since one had not been made. On XX/XX/XXXX, I logged into my account once more to double check. I was then able to see that two payments had been made-one auto payment and the one-time payment. At this point I called PENNYMAC and was instructed to notify my bank and request a stop payment. The supervisor at PENNYMAC said they would also issue a refund for the other payment and that my account would then be current. They also stated that they were currently submitting a formal complaint and that the app developers would be made aware of the incorrect information regarding automatic payments on their app. On XX/XX/XXXX, I made a full XXXX payment once again and this was posted through my bank as I had noticed that both payments were reversed. On XX/XX/XXXX, I received a message from PENNYMAC that my payment was not processed due to my account being frozen. When I logged in to check, there was record of a payment posted on XX/XX/XXXX, however it was indicated that a payment was not made for the month of XXXX. When I called and spoke to another supervisor at PENNYMAC, I was told that they returned an extra payment and that my account was not current. The payment made on XX/XX/XXXX was supposedly applied to the XXXX payment. I was also told it was standard procedure for them to refund money they had not received. They also shared that the previous supervisor should not have advised me to initiate both returns and that they were mistaken for that. When this supervisor stated they would be submitting a complaint and that it would remain accessible to anyone who views my account, I asked if they could see the prior complaintthey could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions Inc.
State: SC
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: Problem with personal statement of dispute

Complaint:
My husband and myself refinanced or mortgage and paid off IN FULL our credit cards, on XX/XX/20. I have the cancelled check and confirmed with our attorney that the funds cleared on XX/XX/20. XXXX is {$450.00}, check # XXXX. XXXX XXXX  continues to charge me interest. They say I now owe {$600.00}. NEEDLESS TO SAY, MY CREDIT SCORE/HISTORY IS TAKING A HUGE HIT. I have been in contact with them continually but to no avail. Please help. 

Thank you, 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 2022-08-01
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Chase Bank sent me an invitation for a credit card offer. I completed the application, I received an adverse action communication immediately. I called Chase Bank to speak with someone from the reconsideration dept ; the representative stated I needed to call XXXX to have them add a phone number to my account to verify my identity or go into a branch to show 2 forms of identity, called XXXX completed the action item XXXX said it would take 72 hrs to appear. I went into the branch of Chase bank to show my 2 forms of ID to a banker ; she called the reconsideration line to confirm my identity once that was completed, I was put on a bank phone to speak with a representative who asked me several questions about my consumer report. I was then place on hold, she returned to advise that I was denied, actually discriminated against based on ; collections, balances on other account and late payments on my consumer reporting agency. 

My rights have been violated because credit is the right granted in good faith 15 USC 1602 ( f ). The adverse action Per FDCPA is to the interest of the consumer because I came with the credit. Additionally, per the Congressional finds Chase Bank has deceived, abused, invaded my privacy and coersion. I the natural person have abundant evident to prove my what has occurred ; in addition to evidence, Chase Bank is in violation of a number of United States Codes such as ; 18 USC 1029 e ( 1 ), 15 USC 1691 ( EOCA ), 15 USC 1602 ( F ).

Company response to consumer: Closed with explanation