BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-23
Company: Experian Information Solutions 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:
Account is PAID charge off that they made numerous mistake in report now after years of correct them by me they refuse to remove the erroneous mistake on account and remove account ( delete ) as the law requires.

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 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :

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 2023-06-12
Company: JPMORGAN CHASE & CO.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 I was charged {$44.00} dollars by XXXX  *XXXX XXXX XXXX, XXXX for XXXX seatbelt extenders. 

I returned these back within 10 days, receive a partial refund in the amount of {$26.00} and a partial refund from Chase in the amount of {$3.00}. 

I've probably called Chase XXXX times to get my remaining {$17.00} back. Over the last 60 days. 

Their off share workers are incapable of accomplishing this simple task. 

Partial Credits issued ( but still {$17.00} to be made whole ) : XX/XX/2023 XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/2023  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2023-08-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting 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 explanation
Consumer complaint received 2021-10-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have a business loan with Chase that was scheduled to mature on XX/XX/XXXX. Due to the pandemic, I received a three month deferral on payments for this loan, with payments being deferred XXXX, XXXX and XXXX of XXXX. In XX/XX/XXXX, my automated payments were reinstated by Chase. I assumed that the maturity date of my loan would be extended by three months to ensure the loan was fully paid off at time of maturation. Chase did not communicate in any way that I would need to pay the equivalent of three months of payments upon maturation of the loan. Chase also did not proactively provide me the option of increasing my automated monthly payment in order to fully pay off the loan at maturation. 
As a result, the following took place : 1. I expected that on XX/XX/XXXX, my automatic monthly payment would have been withdrawn from my checking account. It was not. I did not understand why and assumed there was an error.

2. I reached out to Chase to discuss why my payment was not withdrawn and to my surprise, I learned that my loan matured, Chase had stopped my automatic payments, and left me with a large outstanding balance. I was very confused as I expected my loan was maturing in XX/XX/XXXX based on my outstanding balance and payment deferrals. 
3. I never received any communication from Chase that my loan was about to mature, and in fact, did not receive a statement the month the loan matured. ( Statement dates : XXXX and XX/XX/XXXX ) Instead, I received a late fee of {$250.00} - also not communicated to me.

4. Once I understood the situation, I requested to pay off this loan in three monthly payments, as I had been doing for the last 5 years. I immediately made one payment ( representing the XXXX payment ), and asked that I make the remaining payments in XXXX, XXXX and XXXX respectively. 
5. After escalating this request, Chase 's response was that in order to accommodate my request, I would need to apply for a new loan, with a new credit check and new loan terms. I find that solution unacceptable.

6. I have paid Chase monthly for 5 years and only requested an extension of this loan, with these terms, to compensate for my payment deferrals due to the COVID pandemic. 

As of now, it appears that I have no choice other than to find the money to pay off this loan immediately or I will be reported delinquent and pay large fees. 

How can Chase execute a loan payment deferral program during a global pandemic and not communicate to its customers the expectations associated with this program? I never received any communication from Chase and believe this program must have been instituted without a standard set of processes, adjustments and payment expectations proactively communicated to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am having a problem with MERCHANT ADJUSTMENTS. I HAVE REACHED OUT TO THEM ABOUT 120 DAYS NOW REQUESTING VALIDATION THAT ANYONE AUTHORIZED THEIR COMPANY TO RETRIEVE MY MEDICAL INFORMATION AND PROOF OF THE ACCOUNT NOT JUST A BILL THEY CREATED. THEY ONLY TOLD ME THAT SOMEONE AT THE ALLEDGED HOSPITAL TOLD THEM I AUTHORIZE ANY PROVIDER TO SEE THEIR MEDICAL INFORMATION. 

IF THIS WAS THE CASE, THEY STILL WOULD NOT BE ABLE TO ACCESS ANY OF MY MEDICAL INFORMATION BECAUSE THEY ARE NOT A PROVIDER THEY ARE A COLLECTION AGENCY.I ASKED FOR THAT LETTER, AND THEY REFUSED TO SEND IT TO ME. 

THIS IS A IDEA OF THE LETTER I SENT THEM AND THEY SENT NOTHING Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until the debt has been validated by me Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you Will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I await your reply with the above-requested proof. Upon receiving it, I will correspond back with you by certified mail. Kind regards, The listed items are entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-07-06
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:
In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-03-23
Company: Total Card, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was alerted about an account with Total Visa that was opened without my knowing when they contacted me about the debt. I was the informed by the agent that the address on file was a hotel. There were payments made on the account by a person some returning and others posting linked to a XXXX XXXX. I received another call for a {$300.00} balance on XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-08-09
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2020-02-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our Mortgage was originally with XXXXXXXX XXXX. Unfortunately there were some health issues in XXXX and XXXX that caused us to start falling behind. We requested a modification to the loan - at this time we were only 45 days past due but trying to keep up with the regular payments. XXXX XXXX started the modification process, however in the 3rd month of  our modified payment trial XXXX XXXX  sold the loan to Bayview Loan Servicing LLC. We were told by XXXX XXXX that Bayview would honor the modification. Bayview did NOT. We started this process in XXXX of XXXX with XXXX XXXX  As of today XX/XX/XXXX the modification is not complete with Bayview. We are making our modified payment to Bayview on time each month yet we are told that there is one thing or another preventing the modification. The latest challenge has been the home equity loan we have on the house, Bayview needed the credit union to subordinate the title. We spoke with the Credit union and they sent the required document list to Bayview in XXXX of XXXX. As of this date XX/XX/XXXX Bayview has yet to send the correct documents to the credit union to finalize the modification. The fear now is that all the money we sent to Bayview that was put in suspense will be eaten by fees and charges rather than going towards the loan. We have requested a transaction report several times but have received nothing. I am attaching a detailed timeline of events document to this complaint as it is too large to type into the window provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America blocked both my wifes and my debt cards because they saw a lot of activity going on. They gave us no warning until late and that was after we were embrassed trying to get monies out of our own account with an ATM with an XXXX XXXX XXXX in XXXX NJ. The tranactions were all legal, so why should a XXXX bank such as BANK of AMERICA control our monies, and tell us how we can handle our own accounts and monies. I have since cut up the ATM cards and thrown out the checks. This is XXXX and I will not tolerate being watched and told what to do with my own accounts and monies.

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 2021-03-23
Company: EQUIFAX, INC.
State: LA
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: BANCO POPULAR DE PUERTO RICO
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Received the XXXX statement the first week of XXXX, saw that the annual fee hit. called the company to close the account and remove the annual fee. they closed the account and said the annual fee was removed. 
in the first week of XXXX received the XXXX statement with a late fee and the annual fee. called the company and they refuse to remove the annual fee and the late fee and they are threating to go to collections.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Experian recently sold my personal information to mortgage lenders resulting in me being bombarded with marketing calls costing me time, cell data and usage cost, and a major annoyance. They did this despite the fact that I was already registered on the FTC XXXX list as well as already being registered on Experian 's own XXXX and " do not sell '' list. They are breaking Federal and California privacy laws. How do I hold them accountable. 

Experian - Shame on you! As a credit reporting agency you are supposed to protect American 's credit and privacy. Shame shame shame!

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 2023-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
closed b.o.a account # XXXX XX/XX/2023 remaining bal XXXX said id have check in XXXX days.waited XXXX days no check. called again said id have check in XXXX  days waited XXXX days no check. tonite was my XXXX phone call cust rep said i have to go to branch office XXXX XXXX hours from 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 monetary relief
Consumer complaint received 2021-12-18
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On or around, XX/XX/XXXX @ approximately XXXX, I called Truist and spoke to a representative of the bank, employee # XXXX. I then proceeded to want an ACH stop payment enforced on a merchant, XXXX XXXX ( XXXX XXXX ), in the amount of {$91.00}. However, a few days went by, and I received a letter in the mail from Truist regarding the stop payment, along with the amount stated but the amount stated was incorrect from which I initially gave the bank, it stated {$90.00}. I immediately contacted the bank on XX/XX/XXXX @ approximately XXXX ( spoke to a representative, who then transferred me to a supervisor-as I requested, by the name of XXXX  : she provided me with case # : XXXX and that the money wouldn't be drafted out ). Again, it was drafted, never returned, so I called the bank again on XX/XX/XXXX @ XXXX and was able to speak to a representative, who then transferred me to a supervisor. I was constantly informed that the money in question for the merchant wouldn't be deducted from my account. However, it still was and still is currently, XX/XX/XXXX. I had to calling the bank, versus going there in person because I'm currently on Worker 's Compensation, from an injury sustained on my job since XX/XX/XXXX and have to use crutches to get around. It should also be noted that I emailed the CEO of Truist as well, notifying him of my displeasure of not having my stop payment honored. I explained the above situation to him as well on XX/XX/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