BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In XXXX I filed my taxes. I made a mistake on the account the refund was to be sent too. The transfer occurred on XX/XX/XXXX. The refund was sent to JPMorgan Chase under routing number XXXX. The account number the transfer was too was a 15 digit account number which did not exist. On XX/XX/XXXX I contacted my tax preparer and was told not to worry. The process would be that Chase would reject the transfer and return the money to the IRS. The IRS should return the funds to me via paper check and let me know if the error. Then COVID happened. Fast forward to XX/XX/XXXX and I still did not have a refund. I contacted chase ACH team at XXXX. They confirmed they received but could not confirm they returned. After 8 hours they recommended I open an account and they could help route the money. I am not willing to do. The key point. Chase confirmed they had the money. The account t was invalid and they would not return until the irS explicitly requested. I have submitted a case with the iRS and am waiting the 90 days for the review. But chase is actively keeping my cash from me and will not speak to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
The Bank of America " SECURED '' card allows access to rebuild credit and establish credit, atleast that is how BOA advertises it. I applied for a " SECURED '' card and was denied. My income was more than enough, my debt is decreases due to rebuilding credit, & I had MORE than enough money for a hefty deposit, WHICH BANK OF AMERICA HOLDS until they feel you are ready for a unseucred card. My issue is I got an automatical denial without a manual review of my application and circumstances. The " SECURED '' card is marketed completely wrong and it is very disengenious in its verbiage.

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 2023-06-22
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 acquired my credit report and asked Transunion to ensure everything was complete and accurate according to FCRA XXXX XXXX XXXX on XXXX XX/XX/XXXX. 

I waited 30 days and my credit report was still reporting inaccuracies after their investigation. 

I made a final goodwill attempt to have the matter cleared up on XXXX XX/XX/XXXX. 

I waited another 30 days and Transunion still proceeded to furnish the inaccuracies on my credit report, damaging my credit score and making it extremely difficult to acquire a house for my family and me. 

Also, I asked Transunion to update my personal information on file on XXXX XX/XX/XXXX and my information wasn't updated as I asked. 

This is a complete violation of my rights and a lack of professionalism and care from Transunion.

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 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX  ; XXXX and Transunion are failing to report correctly the positive items on my credit report. ( Please see the attached spreadsheet of accounts and account numbers of tradeline items which need to report all months, not just some months, of excellent payment history. ) I have also attached a copy of my credit report for reference. By failing to report positive credit history is hurting my credit score. Please update these accounts to report accurate information.

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 2023-03-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX : # XXXX, XXXX - XXXX XXXX  : # XXXX, XXXX - XXXXXXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX, and the US Bankruptcy # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2020-06-14
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: Their investigation did not fix an error on your report

Complaint:
XXXX added two collection accounts to my credit reports in XX/XX/2020. I have disputed these accounts with Experian at least four times. The first three times Experian took approximately 2 to 3 days to " investigate '' and then notified me that both accounts were verified as accurate. I have not been able to speak with anyone to see exactly how they " verified '' this. I sent them a copy of the letter that was mailed to XXXX asking for verification that this was my debt in the form of my signature. I uploaded the forms received from XXXX to Experian. This included an itemized statement for {$1400.00} that not only did not contain my signature, it did not contain my name on the actual statement. Experian still verified this account as accurate and it remains on my credit report. The itemized statement for {$290.00} does not contain my signature and contains a XXXX XXXX XXXX policy number that does not belong to me. As previously reported to Experian, when our daughter had XXXX all of her medical bills that went unpaid after insurance went on my husband 's credit - not mine. She is on his insurance.

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 2023-07-26
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I requested my JCPenney card statements from the last two years several times, this was done for legal purposes. I was told that I will receive them in 14 days. I never received my statements and I requested them again. I spoke to a manager from synchrony bank on a recorded line who stated that I would receive them but I still have not received any of them. I requested the same for the third time asking the company for an expedited delivery because I need them ASAP for legal purposes and they want me to wait 19 more days. That is imposible and it will affect 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 non-monetary relief
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2022 I sent in letters to the credit bureaus asking them for verification on the inaccurate accounts that they were reporting to my credit report. The law says that they have 30 days, and it is well over 30 days. I have yet to receive a response from them on this matter. I'm upset and I feel like I'm being taken advantage of. This is a case of misleading false reporting and if this isn't settled, I will file for litigation. Please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently obtained my credit report and it shows a collection from National Credit Systems , Inc . I was never notified of this collection and I do not believe this debt is accurate. 

I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with National Credit Systems. They did not provide me with the original contract as I requested. 

Also, under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. I am requesting that National Credit Systems Inc please provide me with a copy of all the following : 1 ) Documentation that shows that I agreed to pay this debt with my signature and documentation that shows I gave them permission to have my information and paperwork showing I gave them the authorization to report this to my credit report. No consent to having my information and unauthorized use of my social security number is identity theft and I am reporting them for such. 

Please see attached letter for full details of my dispute with National Credit Systems , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello I recently talked with the debt collector about said credit card debt they say I owed, but I told them I paid it off 2 years ago they still are reporting it as owed and calling me and sending me letters saying I owe when in fact my state taxes was garnish to pay said owe debt and my work wages was also garnished. I emailed them, called them, and provided proof the the amount was satisfied within my local courthouse. I filled numerous disputes and provided proof and they still reporting it on my credit report and harassing me about the debt. The amount owed was XXXX from XXXX XXXX XXXX but the company lvnv had the debt and the courthouse paid lvnv company, so XXXX XXXX is trying to get payment on an old debt that was paid. I also paid off XXXX XXXX and they are also trying to get me to pay them a second time when they surd me and garnish my state income tax. These companies are still reporting the debt as owed and trying to force me to pay a second time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: RELIANCE FIRST CAPITAL LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made a mortgage payment through Reliance First Capital web site on XX/XX/2019 for {$1700.00}. The payment was sent by my bank and then pulled back. I contacted XXXX XXXX about the issue they told me I had the funds for this transaction but they did not know why it was returned. I went back to Reliance First Capital 's web site on XXXX-19 to complete another payment request. The Reliancefirstcapital.com web site is not secure. I tried on both XXXX XXXX and XXXX. Both said that their site was not secure and information could be stolen. I believe that is why the first transaction was canceled, because the connection was not secure. I called Reliance First Capital and spoke with a representative named XXXX. She acknowledged that Reliance First Capital was  having problems with their web site and they were working on it. She said she could take a payment over the phone but there is a {$9.00} fee. I said the fee should be waived if you are having technical difficulties processing normal payments. She said they could not waive the fee. I ended up making a payment over the phone because I could not make it after many attempts on their web site. They should refund the {$9.00} fee because the problem is on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have contacted Citizens Bank to discontinue our PMI last year as we just missed the 75 % LTV ratio that they were requesting for cancellation. If we recall correctly, we were at 77 %. 

Now, a full year later Citizens wants us to pay again for a BPO to evaluate our home, as they did last year. We wish to bring to attention that a Broker Price Opinion ( BPO ) has already been ordered previously and should already be in the records of Citizens Bank. Also, since the the start of our loan we have had extra principal payments for most months. 

Furthermore, we would like to emphasize that the 2023 Real Property Notice of Valuation, which appraises our property 's current worth at {$570000.00}, is a legally recognized document. As such, it should sufficiently demonstrate that our loan falls well below the 75 % LTV ratio threshold, thereby warranting the immediate removal of PMI as per the guidelines set forth by the Federal Reserve and Citizens own policy. Our original loan amount is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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 writing to complain about the 7 text messages and 11 phone calls I have received this morning within the last 30 minutes regarding refinancing my mortgage. When I asked why am I getting these calls ; the response was your credit report was pulled yesterday and your information was sold to us so we can contact you regarding refinancing your mortgage. 

My credit was pulled yesterday to obtain auto financing at the Bank I work at. I cant understand why the credit bureau the Bank is contracted with can then sell my information to another company in order to try and get me to finance with them instead. GLBA privacy regulations indicate we cant tell anyone we gave someone a loan, why can the credit bureau? This is an unsolicited intrusion into my private information.

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 2023-05-28
Company: Cottonwood Financial Ltd.
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Sometime between XXXX the cash store processed a payment for a payday loan that my bank paid. This payment made our account overdraft. The bank than closed the account. I have been contacted several times about this and have told them the same thing every time. My bank confirmed it was paid and the cash store location has no record. Now I am being told by letter that I am being taken to court for NSF Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX Date Of Birth : XX/XX/1988 Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX any other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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