BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm looking for any canceled check with a value of 5K or higher in value from XXXX & XXXX. TO be specific I'm looking for a {$10000.00} check from XX/XX/XXXXaround XX/XX/XXXX or XX/XX/XXXX time frame A {$5000.00} check from XXXX from around the same time period. 

So about 6 to 7 months ago I called Chase inquiring about looking for cancel checks records from XXXX & XXXX I called Chase online and had the unbelievable luck to find an employee who was willing to go that extra mile. It took about 1/2hr,  but she told me to write to the following : Chase Bank Image Retention Mail Code - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX For cancel checks or documentation from over 10+yrs ago The letter should include my account number, date ranges or figure or amounts and or dates that you were looking for. 

She said to be specific as possible or try to be as detailed as possible. in your letter. 
Unfortunately, I didn't do this right away and I waited Fast forward to 2weks ago when I thought I had misplaced the information, I called Chase and I was told that there was no place to recover records that are past 7/8yr old. I lucky and found my notes on the above address and suggested that the Chase Rep update her or the group they record. in case other CHASE CLIENTS needed or wanted to locate canceled checks or bank records that 10+yrs Last week I was in the process of drafting that letter and I happened to just look online and google the address and googled Chase in XXXX or the address and I and found out that the address in question was a Chase facility however it is now a vacant building in XXXX   All the comments & post online seem to be asking the question where all the departments & people did who had worked at building relocated too. 

I called Chase back online to inquire about what had found out and to inquire about an updated address for Image Retention department which most Chase employs have never encountered or know about. Thus, I was told again that there is no way to get bank records that are 10+yrs old. 

I'm looking for Image Retention that used to be at the above address or I'm looking for where to go to get information on any canceled check or statements with a debit entry value of 5K or higher value that was processed in XXXX and XXXX. 

To be specific I'm looking for a {$10000.00} check from XXXX, around XXXX or XXXX time frame A check XXXX around the period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I received a letter from Debt Recovery Solutions ( DRS ) and a subsequent fraudulent/counterfeit bill. DRS claims they are attempting to collect a {$2000.00} medical debt for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX who have both agreed I do not owe them a debt, although DRS continues to harass me over this blatantly fraudulent claim. I have made multiple complaints about this debt and each time DRS agrees to stop collection attempts, although it appears they simply create a new case number and begin this entire process again, after they report to you that they will not seek to extort money from me again. The most recent bill has DRS account number XXXX and claims I owe them {$200.00} this time around. I wrote them and requested original documents, which have never been produced, only the attached counterfeit bill. I am again coming to you for relief from this malicious and fraudulent collection attempt by DRS. The previous complaint number is XXXX, which DRS reported or claimed that they would cease their collection and malicious credit reporting behavior. Mr. XXXX XXXX name is printed on the documents and I am requesting that he be investigated by someone who can drive to DRS, located at XXXX XXXX XXXX, XXXX XXXX in XXXX, NY XXXX and interview him about the counterfeit documents he is sending through the US Postal Service with the intent to commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
That on XX/XX/2023 I sent a written notice to XXXX Department XXXX XXXX XXXX opting out of credit reporting. XXXX Department XXXX XXXX XXXX has yet to respond to my demand

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is XXXX XXXX and I am submitting this CFPB Complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. 

XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 U.S. Bankruptcy Court - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act.

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 2021-05-19
Company: Radius Global Solutions LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am paying on a chapter XXXX bankruptcy and the company " Radius Global '' will not stop calling me at my request and my attorney 's request. They call over 4 times every single day and I've even spoken to them to stop.

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 2021-11-30
Company: GUARANTEED RATE INC.
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home in XXXX of this year ( 2021 ). My first payment was due in XXXX and I paid my mortgage on time to the servicer which was GuaranteedRate. I later received a letter from XXXX XXXX  XXXX indicating that they acquired my loan and that, begging XX/XX/XXXX, I was required to send my payments to them and to forgo any payments to Guaranteed Rate. I contacted XXXX XXXX XXXX to confirm that they had acquired the loan ( as I had not received a letter from GuaranteedRate indicating that the loan had been sold ) and XXXX confirmed that the information that was provided in the letter was accurate and that I should pay them beginning XX/XX/2021. I therefore, paid XXXX via automatic payments for my XXXX mortgage. Since then, Guaranteed Rate sent me a letter indicating that I am delinquent on my XXXX payment and that they have no record of my loan being transferred. XXXX XXXX  XXXX is indicating that this is in error and that they absolutely acquired my loan. Ive attempted to resolve the issue and have been in contact with both mortgage providers but each of them continually give me instructions to communicate to the other provider. I feel that the consumer ( myself ), should not be the delegate between two separate mortgage companies about a transaction that they initiated without my involvement. Both companies XXXX XXXX & GuaranteedRate ) are informing me to make my XXXX payments to them and Guaranteed Rate continually indicates that I am overdue ( despite the fact that XXXX already applied my XXXX payment to the outstanding mortgage balance ). In summary, I need help determining who is the proper owner of my mortgage. I will make the payments without issue as long as I know who to make the payments to. However, as it stands, Guaranteed rate has called me repeatedly to collect payment and my credit score has dropped by XXXX points which I believe is due to the fact that both companies are showing an outstanding balance in the same amount. 

I previously filed this complaint against XXXX XXXX XXXX but since I am still receiving multiple calls from Guaranteed Rate and the fact that my credit score has been negatively impaired I reached out to the CFPB today and they recommended that I file this secondary complaint against Guaranteed rate directly. Both complaints will remain open until this issue is resolved. 


I am seeking assistance in getting the two companies to correspond so that this matter can be cleared up. Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
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:
This is the second time in less than 6 months that Equifax continues to report an erroneus COLLECTION account as PAID even after the furnisher of the information, XXXX XXXX XXXX ( XXXX ) sent a deletion request to all three credit bureaus. XXXX and XXXX  immediately deleted the collection upon receiving the DELETION request from XXXX 0N XX/XX/2021. Unfortunately, instead of deleting the collection account # XXXX for {$200.00} allegedly owed to XXXX XXXX XXXX, Equifax decided to change it to a PAID collection. This is wrong and it has significantly affected my credit rating. 
I filed a dispute with XXXX on XX/XX/2021 after noticing that they had changed the collection to PAID instead of DELETING it, I called many times without much help. On XX/XX/2021 XXXX supposedly completed their " investigation '' and concluded that they were reporting correctly in total disregard of the DELETION letter from XXXX. This lowered my credit score and put negative information on my credit file at a time when I am just weeks away from closing on my first mortgage. 
Today, I just filed another dispute with XXXX about the same issue again. I have attached the DELETION request from XXXX as well as XXXX XXXX report closing the investigation stating that they were reporting correctly when they were not. I would like XXXX  to prioritize my request for them to report correctly on this account by deleting it as requested by the data furnisher just like the other two credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When student loans went into deferral, I was not aware that my Nelnet loans were not part of that. They had my contact information, but none of their deliquent notices got to me, nor did they try to contact me by phone. I have never been deliquent, but now am showing six months deliquent, and they dropped my credit score from almost 800 to XXXX. The person on the phone told me it was my responsibility to know what type of loan I have, even though I've been paying on it for the past who knows how many years. Being a public health nurse who has been working on a pandemic for the past year, that was not my priority. 
Nelnet does not operate in good faith. I can pay my bills. What about people that can't? I'm turning XXXX years old this year, and was planning retirement, and moving back to my family, and now I can't because of this. 
I tried to bring my account to date today, but I can't because I'm on vacation and don't have a checkbook, and they won't take my credit card, only my debit card. I'm not doing that, sorry. They will get paid when I get back to California.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
PLEASE READ THE LETTER ATTACHED WITH THIS COMPLAINT. Notification is complete upon receipt. My proper identification is included. I have been seriously violated by TRANSUNION & US DEPT ED. I DEMAND A RESPONSE TO MY COMPLAINT VIA THIS PORTAL & VIA MAIL AT THE ADDRESS PROVIDED IN MY LETTER IN 15 DAYS. TRANSUNION & US DEPT ED HAS BENN GETTING AWAY WITH VIOLATING FEDERAL LAW AND DAMAGING MY REPUTATION FOR OVER A DECADE! TRANSUNION HAS BEEN UNLAWFULLY FURNISHING INFORMATION ABOUT ME, INVADING MY PRIVACY, AND REPORTING INFORMATION ABOUT ME THAT THEY HAVE NO PROOF THAT IT IS 100 PERCENT ACCURATE NOR WITNESSED ANY INFORMATION AND TRANSACTIONS THEY REPORT ABOUT ME FIRSTHAND. US DEPT ED IS FURNSIHING FALSE, DECEPTIVE AND MISLEADING INFORMATION ABOUT ME TO TRANSUNION AND TRANSUNION IS FURNSHING FALSE, DECEPTIVE AND MISLEADING INFORMATION ABOUT ME TO NONAFFILIATED THIRD PARTIES.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The company wrongfully repossessed my vehicle causing missed work, false credit reporting which caused high interest rate on my next vehicle purchase. Excessive fees were charged. Loss wages. Harassment from collectors. Between the years of XXXX I believe not 100 % sure of the dates.

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 2021-05-19
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Between XXXX, I suffered major financial hardship and losses due to identity theft. I had every bank account app on my phone hacked and financial info changed and uploaded documents and checks that were not from me via these applications. During this, NFCU had flagged a check that actually was not uploaded by me or my device. They immediately froze all of my accounts, cancelled my debit accounts and literally within minutes I had no way to buy groceries, gas for my vehicle, or pay for anything while being a single mother. I contacted them and was told nothing could be done and that my bank accounts were now in " credits only ''. The closest navy federal to me is about a one hour drive away. Because I had no gas and no access to money ( but a little change ) I had to take the bus all the way there and beg them to release some funds to me so I could I could feed my kid. That day XXXX filed a written statement, verified who I was, provided my device info to prove that I was not the one who uploaded the check in question, as well as provided copies from equifax, my other banks that verified fraud on those other accounts and appealed the bank to please unfreeze my accounts and allow me to manage my finances online as usual. I had to wait 7-10 business days for a response while my accounts remained frozen. I was then told that they would be closing all but my savings account due to my credit card with them that also had fraudulent charges ( which they never refunded ). It took me 4 months to receive my direct deposits from social security, the VA and retirement allotment due to needing a new bank account and navy federal kept accepting the direct deposits without allowing me access without travelling to the bank and then having to take all the money out cash at one time in a bad neighborhood, inability to pay my bills online causing me to purchase prepaid cards and money orders/cashiers checks costing me more time abd money. I have appealed to have my obline access restored and my accounts restored as I have been in recovery mode after id theft. and denied without any factual reason as to why I could t have them restored or given online access.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mountain Land Collections called on XXXX XXXX. They stated I had a debt of XXXX dollars outstanding from a visit to the hospital on dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I asked for the name of the hospital but all was given was a nurses name of XXXX XXXX XXXX. Asked for more information on the debt since I have insurance and have no record or recollection of every going to the hospital on those dates. Ended call after they verified the last 4 of social.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been working on my credit with XXXX, XXXX, and Transunion for the last few months and while some stuff was removed, a good bit was still there. I asked them to provide proof of debt owed and neither them or the debt collector has provided me any proof via mail of account information, contracts, signatures, etc. This is unacceptable because it's illegal to have wrong information on 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 explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXXExperianXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX CARD XXXX Balance {$3500.00} XXXX CARD XXXX Balance {$4600.00} XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX Inquired on XX/XX/202 XXXX XXXX XXXX XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX - XXXX SERVICE XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX  XXXX Balance {$3500.00}

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as 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 non-monetary relief
Consumer complaint received 2021-11-30
Company: MONEY SOURCE, INC., THE
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Account number XXXX I fell behind on my payments and began making a little extra each month. In XX/XX/ 2021 my statement showed I has XXXX in my unapplied funds account. I sold my home on XX/XX/2021 and was told I would receive a refund of my escrow balance and the amount in my unappreciative funds account. I did receive the escrow refund, which I can match to the dollar via the statement. I have not received the money from the unapplied funds account. If you follow payments made into and out of the escrow account you can see that payments in matched my actual monthly mortgage payments and does not include the extra XXXX that I was paying over the actual payment go XXXX that was due. I have made XXXX calls tying to resolve this issue and each time was told a different explanation. The last person flat out lied to me about how long the money stays in the unapplied funds account ( no more than XXXX hours and then it is mired to the escrow account ) and when I called her out on the incorrect explanation she became defensive. Photos of the statements will proved money in the unapplied funds account stays there each month. 

I have had nothing but issues with The Money Source throughout my entire loan history and even had to file a complaint about them several years ago because of an error involving the escrow account, Since the explanations as to where my XXXX is can not proved via account statements nor the escrow history The Money Source provided to me when they sent my refund, I expect the Money Source to immediately provide me with a refund of XXXX.

Company response to consumer: Closed with explanation