BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am two months behind in my American Express payments ( {$3000.00} ) because I am awaiting a settlement check from an insurance company. This has been a stressful and financially difficult situation for me. My next door neighbor who lives in the apartment building I live in just knocked on my door to tell me she received a call from American Express looking for me. In fact she has been receiving these robocalls for weeks and only today finally answered the phone. I have been an American Express Gold Cardmember since 2010. I am completely appalled that they would breach my privacy and call my neighbor. I have no idea how they even got her telephone number. This has to be an illegal practice for American Express to share my financial details with anyone other than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a Chase mortgage for this property on my credit report which needs to be removed or satisfied as I am no longer liable for it. I made a settlement with Chase in XXXX 2015 in which Chase waives all claims against me and any deficiency judgment against me. I am attaching the stipulation of settlement and my attorney letter to Chase explaining the settlement as proof. I am being penalized for being a victim of financial abuse. Chase has not resolved this issue yet. Time is of the essence. I am homeless with sole custody of XXXX children and need to buy a home. I can not get a personal loan, mortgage or lease with this mortgage still on my credit report. My credit card account from XXXX was also closed. I can not support my children with this erroneous bad credit. Please help me and my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX : {$27000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: GA
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:
According to the Fair Credit Reporting Act, 15 U.S.C. 1681g ( a ) ( 1 ) ( A ), before any and all accounts you post you are required by federal law to verify all information in my file through physical verification. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see written confirmation of the consent by way of a contract with my wet-ink signature giving consent to the furnisher to communicate with a corporation outside of their corporate control. Under FCRA 15 U.S.C. 1681a ( o ) ( 5 ) ( A ) ( i ) ( iii ) I demand to see Verifiable Proof you have in my file of the accounts listed below. Your failure to positively verify these accounts will hurt my credibility and my ability to obtain credit. Under the FCRA, 15 U.S.C. 1681i ( 5 ) ( A ( i ) unverified accounts must be deleted 1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX WI, XXXX XXXX XXXX XXXX XXXX # XXXX You have previously verified this account as accurate. However, the high balance amount is not reporting accurately and must be removed from my report. 

XXXX XXXXXXXX XXXX XXXX # XXXX You have previously verified this account as accurate. However, the high balance amount is not reporting accurately and must be removed from my report. 

Please remove all non-account holding inquiries over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am XXXX and will be XXXX XX/XX/XXXX. I have been paying this bill since XXXX and believed the bill would be paid in full in XX/XX/XXXX since I made extra payments since XXXX. I really believe they have over charged me and that I should not have a balance due of {$17000.00}. I requested a payment history from them which shows the payments started in XX/XX/XXXX. My first payment was in XXXX, so 3 years of payments have not been applied and they have some kind of payment variance which they have not explained to me yet. Please look into this matter. After research they have numerous complaints similar to my situation. Please help 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 2015-05-04
Company: JPMORGAN CHASE & CO.
State: NE
Product: Credit card
Issue: APR or interest rate

Complaint:
I have had my Chase card since XX/XX/1987 They raised my rate to 27.24 % prior to the advent of the Dodd Frank Act and the creation of your agency. I spoke to XXXX in customer service and she indicated there was nothing Chase could do to lower my rate. She indicated that Chase was not lowering rates right now. I spoke to her about the need review and lower rates according to Regulation Z. She answered that Chase was only required to review not lower rates. My account is in good standing and been so for many years. I would like you to investigate and see why after 5 years of required rate re-evaluation there has been no reduction in my rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These was not done nor was it approved by me please have them deleted off of my credit report

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 2018-12-01
Company: Experian Information Solutions Inc.
State: IN
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:
Reached out to the 3 Major bureaus in regards to a repo that's showing on my reports that is not mines, advised XXXX, Experian, and XXXX and nothing was done, I even received paperwork from the company. Attaching it along with this document, Ijust want this removed its hindering me, this repossession is not mines and I'd like to get this handled in a timely fashion if possible.

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 2016-07-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I do not nor have ever had any account with Chase Bank. For two years running now, I have had credit background checks run against me for new apartment leases, and the same Chase account keeps getting listed as a charge-off. I have zero association with this card and it does not belong on my credit report. The card, ending in XXXX was opened in XXXX and closed in XX/XX/XXXX. I thought it was possible the account belong to my mom because she filed for bankruptcy in XX/XX/XXXX when my father died. I have confirmed with her she has never had an account with Chase ending in -XXXX. Regardless of who 's account this was, I am not associated with it, and this needs to be taken off my credit report. I was not even born when the account was opened. 
This is my second complaint to the CFPB. My first [ Case number : XXXX ] was closed immediately after receiving a response from Chase Bank. Their response was simply " no, we can not help you, '' and I was not given an option to re-login to dispute their response. I had to call CFPB to hear Chase 's response and they provided no details or information about what steps they took to investigate or why they came to their conclusion ( that they could not help me ). I have been in contact with XXXX XXXX at Chase Bank Corporate HQ where he was not able to find the account in question. 
Because I do not know anything about this account other than the limited disclosed info on my credit report, I can not provide information to Chase Bank to help them. I was in contact with XXXX XXXX ( XXXX ) at the Chase Corporate HQ after opening my original CFPB ticket and he could not identify the account. This does not mean the problem has went away, according to their response! I am filing this complaint as one against Chase bank ( XXXX different credit agencies reported the same thing ), but there are n't any options that best describe my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-24
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Transaction issue

Complaint:
Ordered eye glasses from XXXX, supplied Doctors XXXX  Received glasses from Marvel but eye glasses did not match prescription.  Returned glasses for refund.  Marvel offers 365 day refund guarantee which they refused to honor so I disputed charge with Chase cardmember services.  Chase must be in conspiring with Marvel as Chase refused to honor the dispute, in violation of the Fair Credit Billing Act, and also refused to investigate the claim against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was offered a permanent Home Affordable loan modification by XXXX XXXX XXXX, the lender on my XXXX mortgage. I signed the modification agreement and I made a payment of {$250.00} demanded as a subordination fee by Chase, the servicer on my XXXX mortgage. Chase is now refusing to subordinate. This will cause me not only to lose the loan modification on my XXXX mortgage, but will also prevent me from obtaining a HAMP 2MP loan modification on my XXXX mortgage. 

A Chase representative recently called me and told me that I would " be out on the street '' if I did not agree to pay a lump sum to satisfy my XXXX mortgage immediately. I am entitled to a loan modification under the HAMP 2MP. Chase is denying me the loan modification to which I am entitled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Requested a {$10000.00} refund of payments from my student loan provider FedLoan. These were for payments made during the pandemic. I made my request on XX/XX/2022 and was promised that I would receive my refund back in 30 days. It has well exceeded the initial wait time promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On or about XX/XX/XXXX I applied for a mortgage only to be denied because my credit card issuer XXXX XXXX reported inaccurate information to my credit file as being over 30 days late when in fact it was never 30 days late. I contacted XXXX XXXX on XX/XX/XXXX and upon speaking with a representative she advised the account was not in fact 30 days late and NEVER been 30 days late. She immediately opened an internal investigation with the credit department as well as with the credit bureau case # XXXX. The representative advised to follow up on XX/XX/XXXX for an account status or a representative will contact us. To date we have not heard anything from XXXX XXXX. Now while I do understand things can get mistakenly inputted this was a significant hit on my credit file because of inaccurate information being reported. Further, pursuant to the Fair Credit Reporting Act only accurate information should be reported to my credit file and I promptly request this matter be investigated and removed.

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 2015-10-19
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The Facts : 1 ) Regarding debt NCAC i.e. XXXX XXXX paid XXXX/XXXX/2015 in the amount of {$370.00} 2 ) Request for item to be removed from wife 's file was successful. Received confirmation letter from XXXX. 

The Issue now : per XXXX - NCAC must do request process for husband for item to be removed from his file. 

Requesting NCAC submit request to remove item from husband 's file. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
HelloTd bank keeps charging me overdraft fees even when I make a deposit on the same dayI have been charged over XXXX XXXX dollars in overdraft fees because they do n't post deposits first they post them last. I called them and they were so rude to me they said they cant help me because of my history of over drafting, I feel that this is wrong there software is designed to rip consumers off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account nameXXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-11
Company: Maximus Education, LLC dba Aidvantage
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I requested a refund from Aidvantage for the payments I made during XXXX  on XX/XX/2022 and they told me it was would take XXXX weeks. I called back a couple Weeks later and they told me it was approved by XXXX and processed on XX/XX/2022 and XXXX get my refund any day now. I called back a week later and they told me it would be an additional XXXX weeks, then when I emailed them today for an update they told me the request was just put in today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For the past weeks I am unable to access my Equifax account, each time I try to sign in a message is asking me to call ( XXXX ) XXXX. Today and after 15 minutes of replying to questions by typing answers on my phone, I managed to " speak '' to a customer representative ( poor language skills ). Another 15 minutes of trying to reset or receive an email from them ( that never arrived ) so I asked to review the issue with their specialists and inform me when is ready. 
Another hour after I receive an email with a link to reset that password, action resulting in again a total failure giving me the same error as before - " Call the number ''! 

Please put some order into these businesses, they are the ones running our lives and the only thing they do is giving wrong information or NONE! 

thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The apartment community advertised a unit for move in during mid XXXX for a specified price. After applying for the unit i was told that the price advertised was incorrect and i could move in for an additional month after. I would not have applied if i had known the unit was not currently available as stated. This resulted in being charged an application fee and a hard inquiry on my report from 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 2016-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TRANS UNION HAS BEEN NOTIFIED ON XXXX/XXXX/15 THAT I AM A VICTIM OF IDENTITY THEFT AND THAT AN ACCOUNT WAS OPENED AT XXXX BANK THAT IS NOT MINE. THEY HAD DELETED THIS ITEM BUT IT HAS REAPPEARED ON MY CREDIT REPORTS. I HAVE SUBMITTED TO THEM A POLICE REPORT REGARDING THIS MATTER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by the DRS ( Debt Recovery Solutions ) about a debt with a payday loan company ( XXXX XXXX XXXX ). I have never used such a loan company. I requested documentation for the debt XX/XX/XXXX. I repeated my request for supporting documentation on XX/XX/XXXX, XX/XX/XXXX and XXXX with no supporting documentation provided. 

On XX/XX/XXXX I contacted the original owner of the debt directly. They informed me they had not been contacted for additional information about this debt by DRS. Further they informed me the money was paid to an account at a bank I have no accounts with. I confirmed this via phone call with the bank ( XXXX XXXX ). Also my credit report lists no account in my name with this bank. 

I disputed the collection with the XXXX major credit reporting agencies. XXXX reported that DRS " CERTIFIED '' the debt was valid and declined to remove the item in collections from my credit report. 

Finally today after XXXX months DRS agreed to remove the item in collections from my credit report. 

I have been trying to get credit established for a new home construction project while this has been ongoing for the last 2 months which has delayed the start of construction. 

I feel DRS conduct during this time was not in good faith. Their failure to provide information and address my concerns regarding this collection has cost me time on my construction project and time away from work and other obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, XXXX, and XXXX  aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this MIDLAND FUND was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation