BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I made an on-line payment from my Chase checking account to my credit union for my mortgage payment of {$1100.00}. I had been making my payment this way for close to 10 years without incident. Chase would mail a check to the credit union for the payment. 

I was notified by my credit union that they had not received the payment, so on XX/XX/XXXX I paid the credit union the {$1100.00} from a different account. 

I asked the credit union to track what had happened, and they said they had not received any payment. 

I then contacted Chase to let them know of the problem. I sent a picture of the check to the credit union and when the cancelled check was viewed, there was no bank stamp on the back of the check, and the signature was unreadable. The credit union verified that it was not cashed by them, because their bank stamp was not on it. 

I then contacted Chases customer service and reported the problem. They returned my {$1100.00} to my account and said they would check on it. On XX/XX/XXXX, XXXX days before XXXX they took the money out of my account again with no notice or explanation to me. 

I contacted Chase again repeatedly after that, put in a claim, and had a loan officer from one of the branches help me to contact Chase to follow up. Chase had claimed they closed the claim because they had sent me paperwork to fill out, but they never received it. The reason I didn't fill it out is they had never sent it. They never mailed or e-mailed it to me. The loan officer at the Chase branch helped me file the claim again and send in the affidavit correctly, it took him several attempts as Chase kept giving him incorrect information and forms. 

I was able to get a claim filed after much time and many hours of conversations with customer service personnel. They finally realized that it seemed to be an issue of fraud. Apparently the check did not get sent to the credit union, someone fraudulently took the check, and went to another non-Chase bank and had it cashed. Chase said they had to contact the bank that cashed the check to see if they would reimburse Chase, and that it would take 90 days. 

I received monthly letters saying they were still waiting to hear back form the other bank. I continue to receive letters saying they have followed up, haven't heard and that the claim will be closed and my funds will not be recovered. 

After almost a year and a half, I contacted Chase again today, XX/XX/XXXX to see if anything else could be done and if not, I would be filing a formal complaint outside of Chase. They said there was nothing they could do except keep trying to contact the other bank. 

As of XX/XX/XXXX I still have not received reimbursement for the {$1100.00} that Chase lost in XXXX of XXXX during a routine on-line payment through no fault of my own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-17
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 XXXX, XXXX, Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Southern Management Systems Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Southern Management System ( the XXXX apartments ) XXXX XXXX XXXX XXXX, XXXX fl XXXX XXXX. Mailing address XXXX XXXX XXXX fl XXXX stating that i owned {$3000.00} i try to revolve the issue in different ways and what they do every month the updated on my credit report as new .. this acct is more than 3 almost 4vyrs old. And they keep updating it on my 3 credit report every month .and for my understanding this action its a violation of law for reporting old past due as a new.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: DC
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:
I have been a victim of Identity theft while XXXX, Equifax and XXXX is still reporting fraudulent accounts on my consumer report. I demand that these accounts be removed IMMEDIATELY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: NY
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/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: MO
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 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove the items which are opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These are the fraudulent items :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX 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 2023-05-11
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX You are in Direct Violation of The Fair Credit Report Act ( ) has violated several of my rights. 

15 U.S.C. 1681 section602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-ended consumer plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under 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 explanation
Consumer complaint received 2022-06-19
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: Public record information inaccurate

Complaint:
I have disputed the Bankruptcy information on my credit report. They are unable to verify it as when I reached out to the XXXX XXXX XXXX, they did verify that they do not report to the credit bureaus nor verify information. 
I am asking very graciously that this be removed from my 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 2023-05-08
Company: Block, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX posted on XXXX way to make extra money XX/XX/2023 pay {$100.00} get {$1500.00} with bitcoin. Then was told to release funds need to pay {$300.00} more paid that. Received email from XXXX XXXX XXXX stating upgraded and needed to pay {$520.00} to get amount paid the {$520.00} and was told by XXXX to release to cash app my now new amount {$24000.00} i need to pay {$1200.00} paid the {$1200.00} XX/XX/2023 and was then told I need to pay {$2500.00} more. Did not pay got worried and now they are holding my funds totaling {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: NM
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Equifax is reporting old information in which according to FCRA are old accounts and they can be removed from my credit file. I requested via fax again for the removal of the old creditors and the old account haven't been removed. This is the account in which I am asking to be removed from my credit file. XXXX XXXX BANK XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : $ XXXX I am no longer liable for this account. XXXX attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX XXXXXXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am submitting a formal complaint against Experian credit bureau. They have completely failed in the public sector on many fronts, and are inaccessible to common people such as myself. I have spent countless hours on 3 different occasions when I needed to contact them, and have been completely unsuccessful on every attempt. Today I am submitting a complaint because I tried to do a very simple credit application to get a new cellphone through XXXX. XXXX pulled a copy of my credit report from Experian, and I have an old fraud alert from 7 years ago, when I had an ID theft. The report said for them to call me at the number on the report to verify my identity, prior to extending credit. I have been through this same routine multiple times over the years since my ID theft occurred. However, today, Experian failed to provide any number on the report to XXXX, and I was not extended credit by XXXX, because of the failure on the part of Experian to provide any phone number at all. I know that they have a number in my report, because I purchased a new car 1 week ago, and went through this same ordeal then, and the vehicle dealer specifically told me they were using Experian. However, today, after 2 hours of trying to contact Experian, I was unable to find any way to solve this problem, after calling several numbers I found online and trying all the prompts. Their entire phone system is extremely useless and elusive, and only trying to sell credit reports or scores. They do not have any care for the people they serve, and they have no one to help. Additionally, I created an account on experian.com, and was unable to find anywhere to list a phone number for myself in their system, which also is mainly geared toward trying to sell overpriced monitoring products. Now I have a new " hit '' on my report from the bank that XXXX uses, but due to the failure of Experian to provide a phone number, I am unable to receive credit for this hit. I need them to remove this from my file, and to give me a way to verify myself online and enter personal data, or speak to a live representative to help fix problems in the report. I feel that their entire agency is a failure, as I alluded above, I had two prior extensive issues where I was eventually unable to solve the problem. PLEASE HELP. PLEASE DO SOMETHING. We need change, we need these agencies to be run differently. I can not live my life when it is controlled by an entity that can not supply the services that are required for simple day-to-day issues.

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 2023-05-24
Company: Chime Financial Inc
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed a dispute back in XXXX on my debit card and credit builder card. They denied my claim in 2 days. I reopened my claim they said XX/XX/XXXX I will get my provisional credit. But at XXXX mst they denied my dispute.again at the very last minute. But kept the other dispute open. Spoke with a supervisor. He said sorry they are not doing there job. And I summited everything and my claim should not have been denied especially when I should have gotten my provisional credit. He apologized because I lost a XXXX car all of my property my home my belongings everything. And now I want money for my damages the supervisor in a recorded call agreed with me and said it raies a issue with him so much that he will t a lk to them because this claim should not be denied with all the proof and the only reason why I was denied because the investigator failed to do there job. Now I lost everything. And I want to be compsaited for my losses. Having me wait all day to get my car back {$20000.00} vicheal now I lost it. I want to make them pay me back. For my losses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: MARINER FINANCE, LLC
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: Account status incorrect

Complaint:
Dear Marnier Finance, Subject : Furnish 1099-C Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX, XXXX, XXXX. 

I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. 

Thanks in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Halsted Financial Services, LLC.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Halsted Financial Services is harassing me by calling me multiple times between XXXX every day looking for someone that is not me. When I told them to stop calling they say ok and or just hang up before letting me get another word in. I've also called them and told them that the calls come in from a spoofed number XXXX in which I can't even call back because instead removing me from there call list they blocked my number and nothing is said from the robo call it just hangs up. 

Most agents refused to give me the company they worked for and it took me 3 to 4 calls to actually get someone to say that and where they were located. They call me from multiple phone number ID 's instead of there XXXX number. XXXX & XXXX XXXX are the two numbers just today that they used. 

I'm guessing Instead of removing me from there call list they only remove me from that specific account. I'm not that person and should NEVER be called because I don't have any debt in any agency. I've added my phone number for all calls to be recorded so I'll be attaching that to further cases if this harasment doesn't stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to pay off my second mortgage. Though my payments were construed as a 30 year mortgage, I actually signed a 15 year mortgage for {$33000.00} at 13.5 %. After 15 years of paying XXXX my payments were refused by PHH Mortgage servicing and I was offered a loan modification agreement. I agreed to the loan modification and made the payments. In the last 6 months I have sent the company over {$30000.00} in attempt to pay it off. Held in a suspense account is {$28000.00} since XX/XX/2022. In XXXX I received documentation that stated pay off amount XXXX. On XX/XX/2022 held in suspense was {$28000.00}. I wired the remaining balance of {$1900.00} on XX/XX/XXXX in excess of the difference of {$1900.00}. On XX/XX/XXXX PHH reversed the amount back to my bank account and stated they will only take certified bank checks, though the payoff statement indicated wire was preferred. I mailed {$2000.00} which takes more than a week PHH recieved on XX/XX/XXXX and which was applied in a divided 6 payments rather than to the suspense account amount for pay off. They continue to charge interest though they will not apply {$28000.00}. This is predatory by definition.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
fcra not mine remove it XXXX This request requires special assistance and can not be processed online. Please contact us at XXXX so we may better assist you with this item. 

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 explanation