BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I called Chase bank before I went to XXXX and told them I would be there in XXXX and to allow purchases and to be allowed to use my debit card at ATM machines in XXXX. ( I am sure that phone call I made was recorded ). I also told them that if they ever needed to verify me or my charges in XXXX that I would not have my American cell phone or access to that phone number with me in XXXX so that wouldn't be an option if they needed to verify me. I told them they would have to verify me through my email and or to ask me my security questions that I set up when I opened my online account. That only I would know the answers to. My laptop broke after being in XXXX for 2 months. I had already made probably XXXX purchases and or ATM withdraws in XXXX. So they knew it was me there using my debit card and there were no issues until my laptop broke and I went to an XXXXXXXX store to buy a new XXXX XXXX XXXX for around {$1100.00} USD. My card was declined at the XXXXXXXX store. Before I had a chance to call Chase customer service from my XXXX phone I went to get cash out of an ATM machine since I was out of cash to live on. My ATM cash withdraws that I tried to do were also declined. I was out of money and no way to pay for anything online including my hotel room bill or my plane ticket home, etc. etc and I had no cash to live on. I spent the next 3 days on my XXXX phone calling Chase fraud dept to have them unlock my account. I asked to speak to the supervisor and higher and higher up the Chase fraud dept I went from supervisor to supervisor until I reached the highest person in charge of the security dept. They never would unlock my account. They said the ONLY way they would be able to verify me and unlock my account was by my American cell phone number. I begged them to do it by my email and or my personal security questions but they wouldn't. I had no other credit cards or debit cards. They made me homeless in XXXX with no money for food or anyway to pay for a hotel or plane ticket home. Please help me get these evil doers. 

P.S. 

I have been to XXXX probably 20 times in my life and when this happened before I would just call them up and fix the problem in one call and they would unlock my account via my email and my personal security questions. The date this happened was around XX/XX/2022 give or take a day or 2 since XXXX is 15 hours ahead of California time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions 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:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00}, XXXXXXXX XXXX  XXXX. XXXX Date Opened XX/XX/XXXX Balance {$2100.00}, and XXXXXXXX XXXX XXXXXXXX. XXXX Date Opened XX/XX/XXXX Balance {$270000.00}.

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 explanation
Consumer complaint received 2021-02-14
Company: AES/PHEAA
State: CT
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:
FEDLOAN SERVICING from XX/XX/XXXX ACCOUNT # TO WHOM IT MAY CONCERN, This letter is a second formal complaint. I am in disagreement with the items listed above that still appear on my credit report, even after your investigation from XX/XX/XXXX. 
I would like these items immediately re-investigated and deleted. 

I would like this account deleted and removed from my credit report. Included are documents from department of correction, stating that I was incarcerated when this account was opened in XX/XX/XXXX. I did not receive funds or able to receive student loan benefits because I was in jail the date this account was open. 

Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your investigation and corrections. I request the item be verified manually and provided PROOF of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. Also please provide the name, address, and telephone number of each credit grantor or other subscriber. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Lastly to help resolve the issue I will be filing complaints and forwarding this letter to the FTC, CFPB, and FEDLOAN SERVICING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not consent to authorize nor benefit from these accounts, along with XXXX  has violated my federally protected consumer rights under the FCRA and also under Truth in Lending 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 2021-11-18
Company: Avant Holding Company, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX XXXX, a XXXX veteran who is attempting to pay off the balance I had incurred with AVANT LLC, WebBank. On XXXX XX/XX/2021, after receiving a credit card debt consolidation loan from XXXX XXXX for the amount of XXXX which was my current pay off balance with AVANT LLC, I enclosed the check issued by XXXX XXXX for that amount and sent the check certified utilizing the USPS tracking number XXXX XXXX XXXX XXXX XXXX to the payment address for AVANT LLC XXXX XXXX XXXX XXXX XXXX, IL XXXX. The certified package was signed by a receiving personnel for AVANT LLC on XXXX XX/XX/2021. The check XXXX {$290.00} was cashed by AVANT LLC on XXXX XX/XX/2021 and did not apply the payment to my account. I had received the signed tracking notice from USPS on XXXX XX/XX/2021 and immediately contacted AVANT LLC at which time the company had no record of receiving the certified package and I was told it would take up to 14 days for the funds to be applied, at this point I had closed my account with this company because I knew a company would have some record of at least documenting the receiving of a certified package. Additionally, I had also stated that the company was requesting a payment by XXXX XX/XX/2021 and the customer service representative stated that my check would be applied retroactively to the date the check was received. AVANT LLC at this time and date of this statement, has not applied the payment to my account and it is currently reported as past due and they had also charged a late fee of {$25.00}. This company is purposely damaging my credit status on the three reporting agencies, as I had never been late with a payment to AVANT LLC. Just the previous month I had sent in a payment of {$100.00} to the company. This particular situation is causing me undue stress for I am striving in the best way to keep my credit from being negative as I have intentions of buying a home within the year. I have filed a complaint with the BBB which AVANT LLC is not a member and this company has over 315 complaints of this same magnitude in just a 12 month period. If this company does not want to do the right thing by their customers, then they should be able to add derogatory information to someone's credit report. I have also filed complaint with the XXXX XXXX XXXX XXXX XXXX Illinois and I have sent rebuttal to the credit agencies on this matter. Please assist me with this matter because I am not the only person that is being taken advantage from this these subprime lending predators. Thank you in advance for your assistance and I look forward to hearing more guidance or information as to what should be my next action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I AM WRITING TO DLETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEM I NEED DELETED ARE LISTED IN THE REPORT I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT!

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 2021-03-16
Company: Brightfunders, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During purchase in XX/XX/XXXX, I paid estimated property taxes of {$10000.00} at closing into escrow. The mortgage company ( XXXX ) withheld the property tax funds from the wire to the title company and also failed to make a tax payment from escrow when due. In XX/XX/XXXX, I received a delinquent tax statement from the tax collector asking for {$9400.00} plus {$660.00} in penalty, interest and fees. After contacting the mortgage company they could not tell me why the funds were still in escrow and no payments had been made. Instead of paying the taxes they sent me an escrow refund and instructed me to pay the delinquent taxes and late fees plus interest myself. They refused any responsibility and will not pay any late fees assessed due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for refinancing of mortgage loan with PennyMac Loan Services , LLC and got approved for the loan. However, the lender decided to reject my loan since I am not a permanent resident in US. And, I am legal in XXXX and do have SSN, valid US Driver license, and EAD ( employment authorization card ). Can lender reject my loan application because of my nationality or residency status?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: CBC Companies, Inc.
State: MI
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XX/XX/XXXX I applied for a mortgage through XXXX XXXX in XXXX XXXX Michigan. I did not explicitly sign anything, or opt into or out of anything. 

By Tuesday, I had received no less than 40 unsolicited phone calls from various mortgage companies trying to have me finance through them. 

After research, I see the Fair Credit Reporting Act allows companies to cold call consumers to offer the best rates. 

This is the most ridiculous invasion of privacy. My bank never told me my data/ informatino would be given/ sold to all these mortgage companies. This process should be illegal. 

The credit company that started all this is " Factual Data ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out to CAPITAL ONE AUTO FINANCE to notify them that I have found fraud. I have sent them an affidavit of truth along with billing statements and an invoice with violations of a protected consumer according to The Truth In Lending Act ( TILA ) and the FDPCA ( Fair Debt Collection Practices Act ). They have violated several consumer protection laws which include 15 U.S.C. 1692a ( 3 ), 15 U.S.C. 1692b ( 2 ), 15 U.S.C. 1692c ( a ), and others. I have sent documents via certified mail and have received confirmation that it was received XX/XX/2021 Pursuant to 1692c ( c ), I have legally refused to pay the debt I am invoking my status as a creditor and my specified remedy as to a creditor, and pursuant 1692c 1 I'm advising them to terminate all collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On Friday I had a check with a other financial institution I told the employee to cash in XXXX dollars which means the XXXX dollars I tired to have on the same day and XXXX dollar left on my account after 24 hours but the employee refused to cash the check and i told her specifically that my boss said I have funds available for you to have for mortgage but the bank teller still refused my statement she said in her own words " We can't go off what your boss said '' and I said may I speak with your manger at the branch and still could helped me we wasted time to go to the institution which was on the check and it should not been done while i was at the teller with XXXX in my checking account to pay mortgage and XXXX dollars by the next business day.

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 2021-11-18
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I sent UCB a verification letter on XX/XX/2021 and UCB has violated my XXXX rights by obtaining and having my medical records release to them. I have never signed a XXXX form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: SELECT PORTFOLIO SERVICING, 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: Account status incorrect

Complaint:
Re : Select Portfolio Servicing, Inc ( Home Mortgage ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX As of XX/XX/XXXX, XXXX XXXX, is the legal owner of the property, XXXX XXXX, XXXX, TN. I have enclosed the Quit Deed for your review. This case has been in legal litigation here in XXXX, TN. I am requesting you to immediately stop reporting this Home Mortgage to the credit Bureaus and Remove this tradeline from my credit profile. In addition, you have falsified my credit profile since XX/XX/XXXX. I have not paid you any money since XX/XX/XXXX. However, you continue to falsify my credit report as if I have been paying you. On my credit report it shows 120 days late since XXXX. However, you have erroneously and willingly reporting current late payments monthly from XXXX until present. This address should have been in foreclosed years ago. I have telephoned you and written you on this matter and you have ignored my requests. To date, you have not corrected this issue. I do have a record of my certified mailings with my letters. 

In addition, I am requesting my mortgage documents as I have enclosed within this letter. This is my second attempt. This is my right under the Real Estate Settlement Procedures Act of 1974 in which you have already violated. If I do not hear from you within 15 days, I will seek legal counsel. I am a current widow, and this has caused me great mental anguish since the passing of my husband in XXXX. I pray you have compassion and humanity in your heart to do whats right especially during a Pandemic. I should be enjoying retirement, However, at my elderly age I have to worry will I be able to purchase items needed for daily living.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I didn't authorized these inquiries on my credit profile. I reached out to the companies, they had no info on file or paper work or proof that I requested my credit report being ran for credit with their company. 

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 explanation