BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: JPMORGAN CHASE & CO.
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was arrested and was incarcerated for 5 months from XX/XX/XXXX thru XX/XX/XXXX and while incarcerated someone stole debit card along with drivers license, social security card, birth certificate and other personal documents. I was not made aware of missing items until released from jail in XX/XX/XXXX. I reported unauthorized charges to chase and was told ATM transactions couldn't be reported because pin was used but only few transactions I reported were actually added to claim. I had faxed proof of my incarceration 7 different occasions ( XXXX, XX/XX/XXXX ) ; twice from branch XXXX at one chase branch with confirmation and XXXX more times from a different chase branch again with confirmation. Chase claims never allegedly received anything so shipped overnight and finally received but denied documents due to not clearly showing exact dates incarcerated. In meantime, claims denied for different unknown reasons and none of which was explained after multiple phone calls. And transactions I have reported still not being included in claims filed, causing more claims having to be filed. Once I was told new documents needed to state from date arrested to release date, I faxed documents that plainly stated exact dates in custody on XX/XX/XXXX. As of yesterday XXXX I still had to file 2 more claims to include charges that were not included in any previous claims but have been reported at least 5 other phone calls with Chase claims. I have 20+ hours on phone with Chase claims and been told conflicted things with each call. And claims still are being denied after I was told the 60 day liability no longer applied to my case due to extenuating circumstances and an exception was made for all claims and charges. And claims reasserted with exemption now included to give 3-5 days for update. When I call 3-5 days later, nothing has been done or anything the previous claims specialist has told me was being done is not entered in system, having to again go over issues and told same thing is being done and give them 3-5 days. My claims are still being denied and this has been 3 months I've been trying to recover funds that I have reported with every phone call all charges from XX/XX/XXXX thru XX/XX/XXXX as fraudulent yet chase claims fails to properly document or handle this issue. I have all documents sent to claims and have only been credited {$3200.00} with remaining balance of {$7900.00} unpaid from fraudulent transactions filed in claims. And no closer to a resolve than when initially started process back in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: United Collection Bureau, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
United Collection Bureau This Company is stating that I have a out standing balance that is inaccurate and will need to undergo a recalculation immediately the current debt owed is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I have emailed the company several times requesting information on what the Debt-income ratio is, minimum income for the loan amounts, the verification process for loans, and I can't get an answer. The only response I get is that signed the papers and it's what I owe. I will say this if I was given a loan I can't afford how can I be expected to pay it back?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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 term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. Below is the account that need to be removed : 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 2020-09-23
Company: Experian Information Solutions 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:
On XX/XX/2020 at XXXX I called Experian about have they received the Certified Dispute Letter -Tracking Number : XXXX, which Experian received on XX/XX/2020 at XXXX. I was speaking the representative and asking her about the Certified Dispute Letter that I sent. The Experian representative told me that the dispute was settled on XX/XX/2020 for XXXX - Account XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX - XXXX. I asked the Representative how is that possible when XXXX, XXXX XXXX XXXX and XXXX XXXX did not Validate the accounts when I sent all three of them the Letter of Validation according to the FCDPA & FRCA. I have proof the only thing that were sent was a bill and anyone can send a bill. The three company did not Validate the alleged debt according to the FCDPA. Upon speaking with the Experian Representative she stated that Experian is a data collection agency. I told the Representative that Experian did not Verify the information according to the FRCA and that Experian is required to Verify the data that is being reported on my Credit Report. I told the Experian Representative that they have Violated my rights according to the FRCA. The Experian representative stated the dispute was closed on XX/XX/2020 and I asked her how when Experian did not Verify data that is on my Credit Report. The Experian Representative was trying to over talk me and would not listen to what I was saying. I asked the Experian Representative for her name and the Experian Representative hung the phone up in face on XX/XX/2020 at XXXX EDT. Which is RUDE & VERY  UNPROFESSIONAL!!!

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 2023-11-15
Company: Bread Financial Holdings, Inc.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CB/VICSCRT is a collection agency that is trying to collect a debt in the amount of {$510.00} and is not the original account holder and I have been receiving collection calls before and after business hours. Ive also been told by several representatives that this debt will be placed on my consumer reports for XXXX, XXXX and XXXX. Please remove this collection item from all three reporting credit bureaus XXXX, XXXX and XXXX as this is in violation and misuse of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was in the process of refinancing my mortgage. The new mortgage company told me to stop all automatic withdrawals as they would advise me whether a payment would be needed to be made if the closing did not occur in time. I contacted M & T Bank to verify that there were no automatic payments set to occur. A payment was withdrawn any way. I spoke to a representative on the phone on XXXX XXXX who told me that the funds would be returned. They requested that verification that the funds had been withdrawn from my account be sent to them. I sent it the same day and received confirmation. From there nothing happened. I contacted M & T Bank again and was told that the verification was never submitted so the {$530.00} would be returned to me on XXXX XXXX. On XXXX XXXX, there was no return. I contacted them again and was told that the funds would be returned on XXXX XXXX. Again nothing was returned. On XXXX XXXX I was told that returning the funds would cause a delinquency which is not true as they did not apply the money to my payment but put it in a holding account labeled " unapplied funds '' and now would not be returned at all. I will have to wait until my new mortgage company paid off the loan. Only then would they mail a check in XXXX business days after the loan is paid off.

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 2023-02-10
Company: CCF Intermediate Holdings LLC
State: ID
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I got a Payday Loan from Check Into Cash back in 2007. I thought we paid it off. I have gotten several phone calls from " XXXX XXXX " a few days in a row now. His phone # is XXXX. He claims to be contracted by the federal Government to prosecute check fraud. He swears, He yells, He says I'm going to have you arrested today, I'll ruin your credit, I'll get you fired, I'll take your tax return if you don't pay me {$870.00} by XXXX  or XXXX  right now. He called my Mother in law, my step mother, my brother in law, my wife & made the same threats. He left several voicemails on each line so I have proof of these actions. When I spoke with him he refused to provide any documentation to support his wild claims. 

I have talked to legitimate debt collector about debts. Never are they this hostile.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions 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:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2018-10-23
Company: Experian Information Solutions Inc.
State: AE
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: Other problem getting your report or credit score

Complaint:
I can not view updated credit information online through any means that I currently use. XXXX XXXX gives me an error stating that both XXXX and XXXX are unable to provide them with my credit information, it also states that it cant retrieve info from the credit bureau. I have been using XXXX XXXX for two years and haven't had an issue until recently, the last update was XX/XX/2018. The app says to contact XXXX or XXXX to resolve the issue. To verify that whether it is a XXXX XXXX issue, I went to XXXX to request my free credit reports and got errors from all three companies. XXXX says for my protection they can not deliver it online, Experian says a condition exists that prevents them from being able to accept my request, and XXXX says they can not confirm my identity. I called XXXX to see if there was an issue with my credit report, like fraud or theft, and all they could do for me is tell me that they see a credit score and will sell it to me for {$9.00}. Even my credit cards that track my score can't get an update. I am very concerned about the status of my credit but can't seem to get an answer from any entity about what is going on.

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have medical collection my credit that are not mine. I have not authorized it.

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 2023-05-12
Company: UMB FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Between the dates of XX/XX/XXXX and XX/XX/XXXX there were 10 unauthorized charges on my account. I did not discover this until XX/XX/XXXX. At that time I called to report the unauthorized charges and my account still had a positive balance. They told me they would freeze may card, only to find out a few days later that they had not and my account ended up being in the negative. On XX/XX/XXXX they returned 4 of the 10 payments. I've asked for a supervisor or investigater to keep in contact, but have never received a call for an update. They can not explain to me what is taking so long or why they returned some, but not all of the charges. I also asked why was this account not flagged when these charges were going through, and they said they were going through a system change and was not able to catch it. Also could not explain why they couldnt just deposit the funds and if they found to be non fraudulent just take back out. Very disappointed in this whole process and with UMB customer service and fraud dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have some unauthorized unverified inquiries on my XXXX report and want them deleted. 
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 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 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 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 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 2022-11-04
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: Information belongs to someone else

Complaint:
I dont know where to put myself by this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that Experian doesnt have any fear in neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Im 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 United States Postal Inspection Service, 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 Experian 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 emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

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 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion 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 2023-11-15
Company: Credit Control, LLC
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/, I diligently took the necessary steps to address the unjust reporting of an account by sending a prearbitration letter via certified mail to XXXX XXXX XXXX XXXX XXXX XXXX. Despite my earnest effort to rectify this matter promptly, I have regrettably received no response from them to date. This lack of communication is not only disconcerting but also significantly impacting my financial credibility. It is important to underscore that I have no association with the account in question, and, moreover, I was never apprised by XXXX XXXXXXXX XXXX that they would be divulging my information to XXXX Funding or XXXX XXXX XXXX. Furthermore, the involvement of Credit Control LLC in the collection process on behalf of these entities compounds the complexity of the situation. The absence of a response and resolution exacerbates the adverse effects on my financial standing, and I seek a prompt and just resolution to rectify this matter.

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 2023-11-15
Company: Shellpoint Partners, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. As I am looking over my credit report, this account is incorrectly being reported as a late payment account. Please provide proof of the account was 30 days late and delete the negative payment status on this account. XXXX XXXX. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation