BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I spoke with personnel from Experian, XXXX, and XXXX about the potential for phony accounts to be created using my customer information. Since I didn't know how they got there, I begged everyone to erase these accounts. I received guidance from all three businesses on how to keep track of things and complete an FTC form. I submitted my information via standard mail on XX/XX/XXXX. Even after I had submitted my letters more than 30 days earlier, the accounts that were not mine were still shown in my documents since they had been " confirmed. '' I'm bothered and annoyed by this circumstance since it prevents my family and I from being able to purchase a home. I got in touch with the three companies again on XX/XX/XXXX to ask how they could demonstrate that these accounts belonged to me. They said there wasn't much more they could do to assist me and advised me to talk with the debt collectors directly. When the customer contacted, every bank that immediately sprang to mind had been dialed wrong and had no clue who I was or what the accounts were about. To be sure I didn't make a mistake, I conducted my study online. My friends told me to go to the CFPB website. I really hope this works since my family and I need the home we're trying to purchase.

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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please investigate and fix the accounts listed below. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$12000.00} ; XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$240.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I noticed a collection put on my Transunion report by XXXX XXXX XXXX XXXX on XX/XX/2021. This collection account is not mine, I have never had an account with the original creditor or even heard of them. The original creditor isn't on my credit report at all, no inquires no account nothing because it never existed in the first place. I have disputed it multiple times by certified mail and online only to receive a letter or email saying its verified. I recently sent a FAIR CREDIT REPORTING ACT 609 debt validation letter to Transunion requesting to see how they verify and the original contract I signed and the original balance I owed and the original account number. I got a letter back saying they don't understand my request. I want this taken off my report before legal action is taken. This has taken away my ability to refinance my house and car.

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 2022-11-05
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please investigate and fix the accounts listed below. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$12000.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Bread Financial Holdings, Inc.
State: MA
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:
How are you and how are you doing during this COVID-19? For the last 90 days i been trying to resolve an issue i see on my credit and supplied every type of documents to the ccb/Children Place due to account that doesn't belong to me. I've asked several times for them to provide detail as shown below and they've failed several times. Again, I have disputed this item with the credit reporting agency and the original company and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the  alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2022-04-04
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2022 I have received an electronic statement notification from my credit card, a XXXX XXXX product. I didn't opt in for electronic notification so I attempted the card to be switched to the paper statement. 
on XXXX I called the number on the back XXXX XXXX and during the call to the call center in XXXX it was apparent to me that the person taking the call, XXXX, did not understand or comprehend what I was asking for. When I asked him to repeat what I was asking for ( switch to the paper statement ) he was unable to repeat it. Subsequently I asked for the US based supervisor and I was put on long hold and then at XXXX I was hung up on. 
I called again and after dealing with another XXXX based call person I was finally transferred to the supervisor in XXXX who after giving me the name XXXX and XXXX XXXX XXXX XXXX I was suddenly hang up on. 
The third call finally got me to the call center representative who was kind enough to forward me to the call center employee in the US.

Issues : 1 ) why the Citibank sent me an electronic statement reminder as I did not switch to it and prefer paper statement?

2 ) Why is the company disrespectful and negligent enough to outsource the CSR jobs to call center companies that not only poorly treat customers but do not have a basic comprehension of the English language to offer ANY meaningful assistance?

3 ) Why is the Citibank not willing to offer a letter of apology and steps put in place to make sure that what happened to me doesn't happen to others? What about 40 plus min wasted out of my life for a simple matter of having the paper statement sent to 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 explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
Saving account opened then closed with negative balance added, card was deactivated and account was in negative. This issue wasnt taken care of correctly.. I received an email it closed when issue wasnt resolved. Information was incorrect.

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 2021-08-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Monday morning at XXXX. I woke up and had a text from Chase Bank saying that somebody was trying to withdraw money from my account and was this me. I replied back to the text and said that it wasnt me they replied back to me and said that I had already responded to call Chase when their lines open up. I went to my Chase mobile app and I looked and I saw that {$1900.00} had been removed from my savings account. When chases phone lines opened up I had called them, they said they were canceling my card Sending me out another one and they would Send the information to the fraud team for the fraud on my account. A couple hours later I was at work I opened up my Chase mobile app again and saw that a transaction for {$690.00} was denied and {$3000.00} was moved from my savings into my checking account. So I called Chase back they asked if it was me who tried to make a {$690.00} purchase I responded no you canceled my card I have no access to my money how would I be making a purchase? The woman on the phone said the card that they had sent out three hours prior was already being used by the people who hacked into my account. I never understood how they could have access to the card and it wasnt even shipped out. The woman on the phone also stated that they now had online access to my account and I needed to change my pin and my password my pin was no longer working for my card my account was no longer safe. She sent me out another card and had me lock the one that was being sent. The {$1900.00} that was withdrawn from my account was in XXXX XXXX  on XXXX XXXX at an ATM in person using XXXX XXXX. I have never once used XXXX XXXX, I dont even have XXXX XXXX on my phone. I live in XXXX XXXX XXXX the last willing transaction I used on my account was at XXXX XXXX  in XXXX XXXX XXXX The withdrawals happened at XXXX in XXXX XXXX  four hours away. Geographically speaking it isnt even possible. I have witnesses who can attest the fact that I was home in XXXX XXXX XXXX during the times of the withdrawals. I have my clock in information for Monday morning when I clocked into work the next day. I have never given anyone access to my card, card information, pin, bank information, account numbers or anything associated to my account. Chase has now denied my claim twice. I have removed all of my funds from Chase Bank I no longer feel safe keeping my money with Chase not only did the people have access to my card the first time and take my money, they got a brand new card that I havent even had the physical form off were trying to make purchases through that, and now had online access to my accounts. I had no access to my pin my money my card or my online account. If you need any more information please reach out and let me know.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-07
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I spoke to someone over the phone about 2 years ago and this is for a debt from 2013, which is more than 7 years and was inflated from XXXX $ which was my credit limit on the XXXX  XXXX  to over 600 . I have been threatened to be sued, called numerous times, letters in the mail. This is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: Experian Information Solutions 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:
I am a natural person ; I am a living human being. I have rights under 15 USC 1681 that have been violated and are continuously being violated with no resolve by credit bureau, credit furnisher and CFPB. 

Experian who is governed by 15 USC 1681 has violated my rights numerous times and my request for them to correct said issues has been ignored as well. I demand the 2 accounts listed below be removed immediately. 

In accordance with 15 USC 1681 I have the right to privacy and I DID NOT give Experian written or verbal permission to furnish these accounts. 

XXXX XXXX XXXX XXXX ( reporting 5 late payments and closed simultaneously ) XXXX XXXX XXXX ( reporting 1 late payment, closed and recent activity XXXX ) this account was closed XX/XX/2021 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
Consumer complaint received 2023-05-16
Company: Sequium Asset Solutions, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I started receiving collection calls and letters in the mail from a company called Sequium  Asset Solutions , LLC. I told them I wasn't responsible for the debt and what I needed to do. I have sent in bills with my name and address, property tax statements, driver 's license, police report, utility and phone bills, etc. showing that I live in MN and did not set up home internet and cable in Georgia  at this time. They will not stop sending me letters in the mail and calling me. Everytime I talk to them, they tell me that they are going to take care of it so I don't get contacted anymore and they see the previous notes in their system, but it is never ending. It has now been 6 months of harassment and I can't get them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Per email dated XX/XX/XXXX from XXXX XXXX ( see attached ) the escrow account will automatically terminate in XXXX. 

Per Homeowners Protection Act ( see below ), PMI should stop when the loan balance is 80 % of the original purchase price. 

Per Tax Records and Sales Contract the original purchase price was {$320000.00}. 

The loan balance prior to XXXX was about {$210000.00}. When you divided $ XXXX {$320000.00} that equates to a loan balance that is 65 % of the original purchase price. 

It appears Bank of America has been holding terminating my PMI illegally. Since XXXX PMI should have been terminated. 


Email : Hello XXXX XXXX , You are very welcome. The automatic termination date of your PMI is XXXX  XXXX XXXX. When requesting cancellation prior to that date you're typically required to pay for an appraisal to be completed in order to confirm the property value. This is an investor requirement so it's not something we have the ability to waive or change as we are not the investor ( just the servicer ). lIl submit the request to delete the PM and we will send you a letter within 7-10 business explaining the requirements and next steps to proceed with that process. Once you receive the letter please feel free to contact me if you have any additional questions. 
Thank you, XXXX XXXX Officer, Resolution Specialist Executive Escalations for Mortgage Per below, PMI should have ceased when loan balance is 80 % of the original purchase price. 

The federal Homeowners Protection Act ( HPA ) provides rights to remove Private Mortgage Insurance ( PMI ) under certain circumstances. The law generally provides two ways to remove PMI from your home loan : ( 1 ) requesting PMI cancellation or ( 2 ) automatic or final PMI termination. 
Request PM cancellation You have the right to request that your servicer cancel PM when you have reached the date when the principal balance of your mortgage is scheduled to fall to 80 percent of the original value of your home. This date should have been given to you in writing on a PM disclosure form when you received your mortgage. If you can't find the disclosure form, contact your servicer. 


TAX RECORD XXXX XXXX Date XX/XX/XXXX Grantor XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX Grantee XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sale Price {$320000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Chase bank receives pre authorization for purchases online the charge is debited out of account then 2 days later reverse the charge from the merchant. The representative said the reason is the said the merchant has 3 days the collect or present charges however if make purchase online they do not charge the consumer until the product has actually shipped to the consumer this has cost me over {$200.00} fees and NSF fees from merchants I did a lot of online shopping for the XXXX season

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a continuation of automatically closing claim CFBB XXXX. 
1 ) Citizens bank sent amount of debt to collectors and should not have. They locked online access and took 6 months to send requested bank and credit card statements.

2 ) Bank overreached into my accounts without my consent and shuffled and made adjustments with my money all over the place.

3 ) when they did charge-off ( which should never have occurred ) as I covered all payments and brought in funds to bridge the deficit while dispute of what occurred over an overdraft occurred. Bank did not provide satisfactory and sufficient paperwork needed by customer, myself, to reconcile all four accounts involved. Requested multiple times. Statements were adjusted snd rewritten by bank since An third party check into account overdraft if account took place and differed between what was showing and I read online, what was in mobile application and weekly electronic mini statements, by telephone, and phone call reconciliation due to refusal to supply paper documents of all 4 accounts.

XXXX ) citizens bank has recorded the wrong amount of chargeoff which shoukd never have been a chargeoff in the first place as they never assisted in an appropriate statement reconciliation in the first place when I went to brsnch anc requested. Bank still needs to correct and reverse, remove chargeoff so this does not affect my credit. since receiving paper statements in XXXX  and reviewing, bank and I have agreed there is only a {$2000.00} deficit based on this set of documents ( these dont match what was online ). Yet payment terms still continue to be through a collection agency.

Company response to consumer: Closed with explanation