BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I tried to buy a bicycle from this ad https : XXXX. The owner of the bicycle asked me to move the conversation over the phone, which we did. His number, which is now not in service anymore was XXXX XXXX. So I made two payments via XXXX to an email address XXXX. I made a payment for XXXX USD and another one XXXX USD on the XXXX and the XXXX of XXXX. So in total XXXX USD for the bike and another XXXX for transportation from FL to NY. After the payments were processed, the number became out of service. I called the bank, and they said there is nothing they can do. I would really like to recover my money, if at all possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a paycheck by mobile deposit on XXXX and was told that funds will not be available until XXXX  I have contacted Chase several times and gotten conflicting information. I have been with the bank for 3 years and have deposited payroll checks both by mobile deposit and direct deposit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-18
Company: Aldous & Associates, PLLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I lost my job, my home, transportation EVERYTHING due to COVID 19! I just started working again in XXXX of 2020. I did not receive ANYTHING about this collection. I could not get to the gym to work out anymore nor could I afford to so I allowed the account to close due to no employment! I still have yet to collect stimulus funds! I never got my full unemployment benefits! I have struggled for months trying to get my credit up only for it to drop because I LOST EVERYTHING! I had a XXXX in XXXX! Look at it now! Because COVID 19 ruined my life!!!!! Yes I am still alive but I should not have to pay a debt I didnt know about because I couldnt even use the services! Please someone help me!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion is two months behind on my auto loan payment history on my credit report.Transunion also has not removed XXXX XXXX from my credit report despite being notified by the company XXXX XXXX to remove the Hard Inquiry.

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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 tried to apply for a car and my credit was ran multiple times to lenders that I did not authorize to use. PLEASE REMOVE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have repeatedly sent disputes about negative items on my credit report.Some items are over seven years old I do not recognize some of the negative items.In XX/XX/2022 after many online disputes i sent certified letters with copies of my identification along with letters being notorized requesting validation of all debts reported on my credit reports with the original signed by me copies of the agreements sent to me or to have these items immediatly removed from my credit reports.I have not received any responce from XXXX, XXXX, or experian.The XXXX  account on my report shows to be past due and unpaid however if you check the accuracy you will find i pay them XXXX every week and can prove this.I also have been paying on that account for 22 years if you look at it.By XXXX 's on records i can prove i have paid XXXX in interest alone on that account.I am also a victim of credit karma letting a company called XXXX XXXX pull multiple hard credit pulls on me that were not authorized.I have disputed this many times with no results.My credit reports are not correct with multiple innaccuracies easily seen.I am wanting these incorrect items removed immediatly as it is hinduring my ability to live and function properly.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 2021-04-19
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: Account status incorrect

Complaint:
I advised XXXX  and Equifax on XX/XX/XXXX that they would be receiving notification from two creditors within 24 hours ( XXXX XXXX and XXXX XXXX ) that the collection accounts against me ( for alleged failure to return communications equipment ) should be removed. 

My followup with XXXX confirmed that the equipment had indeed been returned and received XXXX per XXXX @ ext XXXX ) on XX/XX/20 and she sent direction to all credit bureaus that day to remove the erroneous collection account. XXXX  had already received XXXX instructions to remove by the time I spoke with them but said it might take 30 or 60 days to complete an investigation. There is no need for an investigation because they already have the directive from XXXX to delete the account. 

The collection company for XXXX XXXX XXXX XXXX XXXX XXXX also removed the collection account from their records and advised the credit bureaus to do the same when I provided the exact date, time, place, and tracking number used to return the XXXX equipment. 

Please ensure both credit bureaus update/correct my inaccurate records immediately. They should be able to accomplish this with zero delay with the specific direction from the creditors to do so. There is no need for a 30-60 day investigation because the bureaus have already been instructed by the two creditors to remove them. Refusal to comply with an immediate correction is unwarranted and maliciously punitive. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is in response to complaint XXXX. Equifax stated that the account that I disputed is already reporting paid as agreed with no late payments, but that is incorrect. The account is XXXX XXXX XXXX XXXX XXXX  and there is a late payment reporting in 2020. I have informed Equifax that my payments were deferred due to covid so there should be no late payments reporting. Once again, please remove this inaccuracy from my credit report or I will take legal action for violation of the FCRA and CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, we attempted to ascertain a 24 month payment history online to satisfy refinancing our mortgage loan but only one year is provided and you can not print the screen. So we made a document request online to Specialized Loan Servicing ( SLS ) for this information. We then followed up with a phone call. We asked that this document be faxed to us. We never received a document. We made subsequent calls to SLS ( XXXX, XX/XX/XXXX, XX/XX/XXXX ) to advise we never received any document and requesting they re-fax, mail and email. We even provided an alternate fax number to no avail. 

On XX/XX/XXXX, we requested to speak to a supervisor and there was no available to address our concern. In the meantime, another request has been made and our refinancing has been placed on hold unnecessarily due to this delay. This is unacceptable customer service. 

Any assistance would be appreciated.

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 2023-07-25
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A hard inquiry was made on XXXXXXXX XXXX XXXX. I did not apply for any new credit. At XXXX pm. I talked to XXXX. At XXXXXXXX XXXX, I talked to XXXX. At XXXXXXXX XXXX, I talked to XXXX. At XXXXXXXX XXXX, I talked to XXXX. They all asked for SS #. I refused to give that. The last person said she looked for an application by using my name and could not find one. She said she could not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The rate change but did not drop it low enough. They included all these fees, and interest which made me feel taken advantage of and discriminated against while under duress. They stretch the mortgage out to 40 years.     This process has brought on  XXXX   XXXX   XXXX  up and caused me to have  XXXX  during creating    XXXX   and in turn, I got a divorce while trying to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Experian Information Solutions 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:
XX/XX/XXXX - i disputed the info with the credit bureau and creditor XX/XX/XXXX - i disputed the info with the credit bureau and creditor XX/XX/XXXX - i disputed the info with the credit bureau and creditor

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 2022-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020 there was an unauthorized ATM withdrawal for {$800.00} followed by another unauthorized ATM withdrawal for {$1000.00} at the same ATM machine a few hours later on XX/XX/2020. I notified Bank of America immediately but they have not helped me, I supplied a police report but still no refund to my account.

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: JPMORGAN CHASE & CO.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I deposit the check of the sum of {$91000.00} on the XXXX of XX/XX/2023 and it was said to be available in 7days time Only for my to try to login my account today and it says my online access have been locked And the check I deposit have been withdrawn, the whole {$91000.00} was withdrawn Please I need details on whom withdraw my money and I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Aargon Agency, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, According to 15 U.S. Code $ 1679c states I have the right to dispute inaccuracy on my credit report. If inaccuracy is found, the credit bureaus must remove inaccurate item on credit file. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C.

1681 ) Consumer may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after the harmful behavior or within five years after the harmful behavior occurs. 

I have been in communication with AARGON agency via email and one of the representative called XXXX promised to send out debt validation and HIPAA authorization to validate debt. Couple weeks later and I received itemized bill which doesnt give breakdown of debt. Its been over 30days and I still havent received no accurate validation to prove this debt was mine. The agency also indicated theres no federal or state law violation, but this is a violation of 15 u.s code 1679c.

I request AARGON agency to Cease communication and quit reporting inaccuracies to my credit report. Failure to abide by this will definitely lead to a lawsuit for inaccuracies and messing up credit report. Attached is said communication with agency which she promised to send out a document which she never send out. Now I tag this as FRAUD and also violation of HIPAA and FCRA 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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have filed 4 different disputes regarding 4 inaccurate late payments reporting on my XXXX XXXX XXXX XXXX card. The late payment dates are showing in the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late on this account. I have requested for the credit agency to provide proof of late payments or detailed method of their said verification ; if company is unable to provide confirmation, please remove all late payments from account and update the account to pays as agreed never late. The credit Agency has failed to provide proof/ evidence of late payments and removal of late payments/ history update. After multiple attempts, the credit agency is no longer allowing me to submit disputes. This is causing me a lot of financial distress.

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 2023-11-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally file a complaint against XXXX located in XXXX, GA ; EXPERIAN located in XXXX, TX and XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this 3 bureaus namely XXXX, EXPERIAN AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: In progress
Consumer complaint received 2023-03-28
Company: Collection Management Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt collector under the name ( credit management company ) put a derogatory mark on my credit score that left my credit with a XXXX points. From a debt I paid off 6-7 years ago, this company from what Ive read, does this often to people, they commit fraud. By reusing old debts paid off or by plain making the debts up. This is a fraud and a scam company that needs to be stopped not just for my sake but the poor elder people that stress just as much as I do over these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
My Chapter XXXX bankruptcy order dismissing the case was filed by the bankruptcy judge XX/XX/XXXX. On XX/XX/XXXX it was approved that the chapter XXXX case be statistically closed. I filed Chapter XXXX bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. I was approved for an auto loan in XX/XX/XXXX by a dealership lender & I traded-in and bought another vehicle in XXXX XXXX & financed this auto loan with my personal credit union bank. In XXXX XXXX, I was denied for a credit card by my credit union for an active chapter XXXX bankruptcy even though they pulled credit 2 months earlier & no saw no active bankruptcy. They said they were using a new credit reporting company and they needed proof of it being discharged. The same day I emailed copies of the judge 's orders and was approved right after. This was a first this had been brought up and assumed they had just made a mistake, so I didn't think much about it until now. XX/XX/XXXX I applied for a store credit card and received an email the next day notifying me that I was denied for active bankruptcy. Now, I have to physically mail a dispute letter, my proof, and then wait weeks for this to " hopefully '' get corrected. What shocks me even more is that I currently already have two other open credit accounts with this same bank and my pervious XXXX auto loan. I pulled all three credit reports and I seen it was reported to one credit reporting agency as " Filed '' and immediately filed a dispute with that credit agency. Within my report it states they receive their bankruptcy information from a furnisher, XXXX. I have called the bankruptcy automated info line and confirmed it states both cases are dismissed/discharged. How after 4 years since a dismissal can this all the sudden be reported as active on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have sent Caine and Weiner the following.Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company robo calls me with the same number and same recorded message 6-7 times a month. The transcript of the prerecorded message is : Hi this call is from a debt collector this is RMPLLC please call us back at XXXX again the number is XXXX thank you I am on the do not call list. I do not have any unaddressed outstanding debts and only accept communications via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief