BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-14
Company: JPMORGAN CHASE & CO.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been trying to work with JPMorgan Chase Bank to locate a check written off of a closed account ( XXXX ) that was issued between XXXX and XXXX. I have reached out to Chase on several occasions ( XX/XX/XXXX and XX/XX/XXXX ) to try and locate this item. I am constantly given the run around that without the check date, number and exact dollar amount they are unable to submit a research request. I have simply asked them to provide me with a copy of every check that was written during both of those years, and each attempt and yielded no response to my satisfaction. Each person I speak with keeps telling me that anything older than 2 years requires a research request ; that makes no sense as document retention policies require banks to keep records on file for 5-7 years. This is getting ridiculous that I have to submit a complaint with the OCC because JPMC refuses to work with me and is now advising me to walk into a branch in the midst of a global health crisis so that I can potentially get exposed simply because they don't want to work with me on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: ALLY FINANCIAL INC.
State: AR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I received an email from Ally Bank stating that the telephone PIN on my savings account was recently changed and if I did not take this action, I should call XXXX ( XXXX ) immediately. I called and verified my identity. The first customer service representative could not give me any details about my account and stated that I would have to be transferred to Loss Prevention ( " direct line '' XXXX ). I was connected to XXXX. I was asked to verify even more information about my account and the information for another account that I transferred funds from. 

I attempted to log in to my account and was unable to do so because my account has been locked. XXXX stated that they were beginning an investigation into my account and would not explain why. Eventually, he stated that they were 'ending the relationship ' and I confirmed that meant they were closing my accounts. No reason was provided. I still do not know if the funds in my account have been accessed by someone else and I can not verify this myself because my account is locked. 

I requested to speak to supervisor and XXXX stated that he put in a request and I 'may ' hear from someone within 48 hours. When asked about how I will receive my money now that my account is closed, he stated that it would take 2 to 3 weeks. 

I have not been told why my account is under investigation, why I was connected to someone in loss prevention, if my funds are safe, or why my account is being closed.

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 2022-02-28
Company: Experian Information Solutions Inc.
State: TN
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:
4TH REQUEST!! PLEASE ATTACHED FTC REPORT!! PLEASE CLEAR COPY OF MY ADDRESS!! **** XXXX PLEASE DONT SEND ME ANOTHER FAKE LETTER SAYING MY INFORMATION ISNT CLEAR!! BEACUSE XXXX SENT ME A LETTER WITH MY NAME SPELLED WRONG AND SAID THE COULDENT BLOCK INFORMATIOM, WHICH TELLS ME TH HAVE MY ACCOUNT MIXED UP WITH SOME ONE ELSE. PLEASE ATTACHED.

PLEASE BE ADVISED THIS IS MY 4TH REQUEST, PER FCRA THIS INFORMATION MUST BE BLOCKED FROM MY REPORT WITH IN 4 BUSINESS DAYS. SO, IM NOT UNDERSTANDING WHY YOU ARE RESPONDING SAYING 60DAYS,, THAT TO LONG. I WILL BE FILING A COMPLAINT WITH THE ATTORNEY GENERAL OFFICE. Please be advised, I noticed the credit bureaus that I had been a victim of identity theft. Per FCRA I asked them to block information from my report. Not only did they ignore my request, but it also seems as if there IS A VOLATION of the FCRA and the FTC. I sent a statement FTC report and proof of identity. It was also names on my report I never went by Accounts XXXX XXXX {$380.00} XXXX XXXX {$810.00} XXXX XXXX {$1200.00} XXXX XXXX  {$1600.00} Please see attached FTC report for additional information amounts account numbers and off please like this information from my report as it was right please block this information for my report as Ive sent in the proper identification if I dont hear back from you and this is not a block within four days I will make a complaint with the attorney general 's office and seeking to get a legal counsel PLEASE DELETE THESE NAMES FROM MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of the following names are fraudulent and needs to be removed. Please see attached FTC report and proof of identity thank you PLEASE DELETE THE FOLLOWING ADDRESS AS THEY DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX, TN 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 2020-12-14
Company: First Technology Federal Credit Union
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
My First Tech Federal Credit Union - Home Equity Line of Credit was paid off XX/XX/XXXX. I received a letter from First Tech dated XX/XX/XXXX acknowledging the pay off and they had intention to reconvey the lien asap. 

I realized in XX/XX/XXXX, they had not reconveyed this as promised. Attempts to contact First Tech Credit Union went unanswered. After I threatened to seek legal counsel they finally sent me a Deed of Reconveyance that was not recorded until XX/XX/XXXX. 

For two years, First Tech Federal Credit Union held the lien against my property, without any reason.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom it may concern, On XX/XX/XXXX, after submitting 2 years worth of documentation, we were delighted to receive a letter from Nationstar mortgage that my wife and I were approved for a trial modification. The letter stated that if we made 3 consecutive payments we on time, we would qualify for a permanent modification. We signed the agreement the following day and sent a check for the agreed upon payment. We made certain for the subsequent 2 months, we made the next two payments on time as agreed. I even wrote on all 3 checks that by depositing the checks, they are agreeing to the terms of the modification as well, just to be safe. 

We had not heard anything from Nationstar Mortgage or received documentation for the permanent modification. On XX/XX/XXXX after we complied with everything Nationstar requested including making 3 consecutive payments on time, they sent us a letter that said the funds were applied incorrectly. We tried calling several times to find out what this letter meant and they would not give us any information as to why they were not honoring their agreement that they had given me in writing. 

Shortly after, they sent me a check totaling 2 of the payments I sent. I called and asked why they only sent two payments back and kept one and they would not give me an answer. 

I then proceed to call XXXX XXXX of the firm XXXX XXXX, that was representing Nationstar and he was nasty and told me I never got a modification, even though I told them I received a letter from Nationstar. He told me to just rip it up because its invalid. 

I have been lied to, deceived, and mistreated. I have a document in writing that i complied with and Nationstar didnt honor. I want to put in a formal complaint with Nationstar Mortgage as well as XXXX XXXX. 

Thank you XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Stern Recovery Services, Inc.
State: NC
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:
On XXXX XXXX, 2020, STERN RECOVERY SERVICES add a derogatory mark on my credit reports. STERN RECOVERY SERVICES did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2023-01-26
Company: EdFinancial Services
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 Act, the following creditors have violated my rights : XXXX ( account ending XXXX ) {$23000.00} XXXX XXXX XXXX ( account ending XXXX ) {$640.00} XXXX XXXX XXXX ( account ending XXXX ) {$23000.00} 15.U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1682 section 604 section 2 states : a credit reporting agency can not furnish the account information without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
4TH REQUEST!! PLEASE ATTACHED FTC REPORT!! PLEASE CLEAR COPY OF MY ADDRESS!! **** XXXX PLEASE DONT SEND ME ANOTHER FAKE LETTER SAYING MY INFORMATION ISNT CLEAR!! BEACUSE XXXX SENT ME A LETTER WITH MY NAME SPELLED WRONG AND SAID THE COULDENT BLOCK INFORMATIOM, WHICH TELLS ME TH HAVE MY ACCOUNT MIXED UP WITH SOME ONE ELSE. PLEASE ATTACHED. 


PLEASE BE ADVISED THIS IS MY 4TH REQUEST, PER FCRA THIS INFORMATION MUST BE BLOCKED FROM MY REPORT WITH IN 4 BUSINESS DAYS. SO, IM NOT UNDERSTANDING WHY YOU ARE RESPONDING SAYING 60DAYS,, THAT TO LONG. I WILL BE FILING A COMPLAINT WITH THE ATTORNEY GENERAL OFFICE. Please be advised, I noticed the credit bureaus that I had been a victim of identity theft. Per FCRA I asked them to block information from my report. Not only did they ignore my request, but it also seems as if there IS A VOLATION of the FCRA and the FTC. I sent a statement FTC report and proof of identity. It was also names on my report I never went by Accounts XXXX XXXX {$380.00} XXXX XXXX {$810.00} XXXX XXXX  {$1200.00} XXXX XXXXXXXX {$1600.00} Please see attached FTC report for additional information amounts account numbers and off please like this information from my report as it was right please block this information for my report as Ive sent in the proper identification if I dont hear back from you and this is not a block within four days I will make a complaint with the attorney general 's office and seeking to get a legal counsel PLEASE DELETE THESE NAMES FROM MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of the following names are fraudulent and needs to be removed. Please see attached FTC report and proof of identity thank you PLEASE DELETE THE FOLLOWING ADDRESS AS THEY DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX, TN 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 2020-12-14
Company: CITIBANK, N.A.
State: UT
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/2020 my Citi bank mastercard number was used by an unknown person for a purchase of {$3000.00}. I reported the fraudulent charge to Citi bank and was credited by Citi bank for the full amount. Apparently the company that accepted the fraudulent charge issued a credit to Citi bank of {$2900.00} for this same transaction. Citi then charged my account this same amount {$2900.00} on my XXXX statement but never applied the merchant credit to cancel it out. They are now claiming that I owe {$2900.00}. I have called at least 10 times and have been told numerous times that it will be taken care of. It has not. Citi bank is now calling me and saying that my account is past due. They have charged me interest and late fees and it is affecting my credit score, which has never had a late fee reported. I don't want to pay for a fee I had nothing to do with, but I am concerned about my credit score. I would appreciate your help in the 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 monetary relief
Consumer complaint received 2017-12-03
Company: NATIONSTAR MORTGAGE LLC
State: IN
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:
ONCE AGAIN NATIONSTAR FAILED TO NOTIFY ME OF A COMPANY NAME CHANGE FRO NATIONSTAR TO MR. COOPER. AS WE SPEAK NATIONSTAR REPORTING ON XXXX AND XXXX AS NATIONSTAR AND THE TITLE ON CREDIT REPORTS MUST REFLECT THAT CHANGE. THE PAYMENT HISTORIES ARE INACCURATELY COMPARE TO XXXX XXXX DATA. 

I AM FILING SUIT AGAINST ALL PARTIES SHOULD YOU FAIL TO CORRECT IN 30 DAYS OR DELETE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: IL
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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: HW Holding, Inc
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hunter Warfield is a collection company in XXXX, Georgia, reporting on a lease that I had with XXXX XXXX, XXXX for an apartment in XXXX, Georgia called XXXX XXXX XXXX. XXXX XXXX breached their own lease and I moved out. XXXX XXXX submitted their desired payment to Hunter Warfield and refuses to correct the figures or engage in a resolution. Hunter Warfield has reported me as a delinquent renter, affecting my credit incorrectly and causing me difficulty in renting an apartment. Hunter Warfield will not respond to my creditor assistance law firm ( XXXX XXXX ). I have submitted a concurrent claim with XXXX, XXXX XXXX XXXX in order to resolve this dilemma. There is still no response from either Hunter Warfield or XXXX XXXX. 

I have provided the information regarding XXXX XXXX XXXX breach, which includes failure to provide pest control which resulted in a 90-day infestation of roaches in a " luxury '' apartment complex, XXXX XXXX XXXX attempt to take over utilities in residents names without authorization by lease and XXXX XXXX XXXX failure to adequately address an issue with residents and pets, which resulted in a resident threatening XXXX XXXX on another resident. Their solution appears to have been to string pet offal bags on the complex fencing like XXXX garlands. 

Thank you.

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 2023-11-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 the inquiries on my XXXX credit report but i did not initiate them ( 1 ) XXXX XXXX XXXX XXXX XXXX  ( 2 ) XXXXXXXX XXXX XXXXXX/XX/XXXX ( 3 ) XXXX XXXX XXXX  ( 4 ) XXXX XXXX XXXX XXXX ( 5 ) XXXX XXXX XXXX ( 6 ) XXXXXXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: In progress
Consumer complaint received 2023-02-15
Company: Experian Information Solutions 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 attained a copy of my credit report and simply asked the credit bureaus and or consumer reporting agencies to check and make sure every single detail was completely accurate and although i'm no lawyer, according to 15 usc 1681i ( 5 ) EVERYTHING MUST BE 100 % ACCURATE! 

30 DAYS CAME AND WENT AND I RECIEVED MY CREDIT REPORT JUST TO SEE EVERYTHING WAS STILL THE SAME. THE CONSUMER REPORTING AGENCIES which is Experian and they did not modify or remove anything. 

The Date Last Active is NOT correct on all 3 credit reports ..... 

This is a violation and is it's actually costing the ability to get approved for credit and that is simply not fair! 

Experian has violated my rights!

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 2023-11-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress