BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I recieved a letter on XX/XX/2023 that Chase Bank is closing all my accounts with them. My checking account, my savings account, my CD account, and my credit card stating due to unexpected activity. I am in the middle of planning my wedding. The difference in my account activity is that my expenses are temporarily higher at the moment. I have never overdrawn any of my accounts. I do not make any international transactions. My bills are always paid on time. I have a credit score of XXXX as per Chase. I asked bankers at Chase to go through my account to see if they identified anything troubling with my accounts. They noticed no red flags of any kind that they could see. I requested my XXXX report and my early warnings report to see if I was possibly a victim of fraud and anything erroneous was listed. Both reports were clean. The agent from XXXXXXXX XXXX went through my report and could not identify any reason for Chase to close my accounts. I am a XXXX XXXX XXXX  who has always been financially responsible. I don't have any loans, or any outstanding balances. I would understand Chase freezing my accounts if they suspected fraudulent activity due to the increased activity. Infact I would prefer that. But Chase made no contact with me and simply sent me a letter with their final decision. I offered to provide receipts and invoices for any transaction they had a question about, including two cash withdrawals but they stated nothing could be done. Weddings require deposits to multiple vendors. What should be an exciting time for me, Chase has caused me added stress despite being a long term reliable customer. It is frustrating being punished when you have always done everything right and to not even be given a chance to defend yourself. I understand a bank has the right to end a relationship with a client. However I do not fit in any of the reasons why one might. Chase has been my primary bank since my first job and my expenses are in full transparency since my primary credit card is also with Chase. It is frustrating as a consumer to not have any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXXXXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX You ae in Direct Violation of The Fair Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: Paradigm Assets, LLC
State: NJ
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 CALL XXXX XXXX  ABOUT AN PREVIOUS CREDIT ACCOUNT AND THEY TOLD ME THEY DONT HAVE ANY INFORMATION ABOUT MY PERSON AND THIS MENTION ACCOUNT DUE THE FACT THEY SOLD THIS ACCOUNT TO JHPDE FINANCE 1, LLC . ( THEY SOLD ALL MY INFORMATION IN A PORTAFOLIO TO JHPDE ). 
I ASK THE XXXX AGENT IF I OWN XXXX XXXX  ANY SUM OF MONEY AND SHE SAD NOOOOO!!! 

I CALL JHPDE FINANCE 1, LLC AND THE AGENT OF THIS COMPANY TOLD ME I DO NOT HAVE ANY CONTRACT OR AGREEMENT WITH JHPDE FINANCE BUT I NEED TO PAID JHPDE FINANCE DUE THE FACT I OWN XXXX XXXX  .... ( XXXX ) I DO NOT OWN JHPDE FINANCE NOTHING!!!!

WE DE DONT HAVE ANY BUSSINES, SIGNED CONTRACT OR AGREEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: SYNCHRONY FINANCIAL
State: MD
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 had a severe case of Identity Theft which is now in the hands of Congressman XXXX XXXX of MD and Senator XXXX XXXX XXXX. This began in XXXX. I was living with my boyfriend and I am convinced that he stole my cards from PayPal to XXXX and XXXX XXXX XX/XX/XXXX. In XX/XX/XXXX  after an XXXX XXXX XXXX that occurred on me, when I was XXXX  with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Things progressively got worse because when I was not home, they went through my things and stole a bunch of my property, including a laptop which they were able to get online and get onto my XX/XX/XXXXXXXX account my PayPal account, my XXXX, everything I had was gone in one day. 
The names of the perpetrators are : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I was also forced out and was homeless after that and my company was still struggling with COVID REGULATIONS. I dont think I worked for three years. I lost everything its in the hands of XXXX because Im trying to change my Social Security number. Its that bad. And these credit companies, one by one are suing me. Having been released without prejudice and due to MD CODE 305. I was relieved from the fraud case by a judge in civil court. And now I expect to have to do this again and again.

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 2021-09-21
Company: EQUIFAX, INC.
State: MD
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:
My credit file was compromised in the massive Equifax security breach in XXXX and the XXXX XXXX XXXX breach in XXXX therefore, I have been monitoring my credit profile with Equifax on a regular basis. On XX/XX/XXXX, I disputed erroneous personal information names, DOB, addresses and Employment in my credit file in which my credit scores were in the 600+ range and on XX/XX/XXXX several negative unknown entries were inserted on my credit file which caused my score to drop over 100 points. I am inserting my credit report from the month of XXXX and the month of XXXX just so that you can see the difference of reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-09-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The following companies have asked for credit information AND I have not asked for credit or anything. When I called these companies they say it wasnt them. The following companies & dates follow XX/XX/23. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: FIRST CITIZENS BANCSHARES, INC.
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:
In XXXX, I was scammed into signing a car loan agreement. At the end of XXXX, I received a letter from a debt collector saying we are trying to collect a debt you owe to First-Citizens Bank & Trust company XXXX We will use any information you give us to help collect debt. So I called them and talked to them. Then in XXXX a deputy came to my address and served me and I had to file with the clerk of the state court and serve the plaintiff 's attorney. I was served on XX/XX/XXXX. So I reported my identity theft to the police and even went to the DMV 's website to see if there was a car in my name. My MVR report shows me that there is no car or driving history in the state of Georgia in my name. And I updated the debt collector to let them know and the debt collector told me I would still have to sign the writ of possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited two checks in the amount of {$4900.00} and {$1000.00}. Initially I was told it would take XXXX to 5 days to clear. The funds were available the very next day. I used {$1000.00} of it to make a payment and verified with the customer service agent that the funds were available. A couple of hours later the bank put a hold on the funds and told me XXXX to 5 days. I went into the branch near my house in XXXX, Ohio on XXXX XXXX. They called the XXXX XXXX branch in XXXX, Ohio and were told the funds would be available in 5 days. After 5 days the funds were not still not available. I called customer service who in turn called the XXXX XXXX branch. The XXXX extended the hold to 10 days. I'm sorry but it does not take 10 days to verify a check from the United States. They can easily verify the account and the funds. At this point I regard this as some kind of discrimination. I will be closing my pnc account for good due to this decision by the XXXX XXXX bank manager. I've been banking with them since they took over National city and I am very dissatisfied with them. The fact you now have to go over heels half acre to cash a check is utterly disgusting. They wouldn't stop an unverified XXXX XXXX  transaction from a skimmer scam but want to monkey wrench my valid deposits

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
told me informations on all three bureaus are correct but its not all have conflicting accounts

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 2021-09-29
Company: TrueAccord Corp.
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 information incorrect

Complaint:
My name is XXXX XXXX. I paid off the balance with XXXX and sent in all the paperwork stating that it was paid off. They sent the balance to a different company TruAccord who has also been paid off in full. I paid this balance in XXXX and have been trying to get them to get this off my credit or confirm that I have paid. The confirm that I paid but refuse to do they part. Its has been 6 months and they are paid but will not report such. Please if you can help me with this. Im in the process of buying a home but this is holding we up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: T.S. Holdings
State: IL
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am disputing a debt and I.Q. Data International- the company name I found on my credit report will not take my dispute seriously. They were assigned the account on XX/XX/XXXX  and first reported it to the bureaus in early XX/XX/, without me included at all in the process. They continue to update the account with a new " Date Reported '' each month with additional fees tacked on. 

I have a very large file of documentation, and they have not reached out to tell me how to get it to them electronically. Instead of looking at what I have, they have reported me to the credit reporting agencies and keep adding the charge in interest. I have attached the second payment I gave to XXXX for XX/XX/XXXX  payment. They would not take the first one as it was a few cents off of the total owed. My cashiers check was photocopied, accepted, and signed by XXXX, office staff at XXXX XXXX in XXXX, IL. There, a series of events on their part took place that need to be reviewed because they are extremely confusing. There is no indication in any document that I owed them more money, other than the double-billing for XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: OK
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: LD Holdings Group, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Approximately XXXX years ago, I refinanced my XXXX XXXX mortgage loan through Loan XXXX Working under the assumption that all prior obligations were settled in accordance to established guidelines, I resumed regular payments as agreed. 
Much to my dismay, I was subsequently served notice that a particular attached debt incurred during covid pandemic had NOT been addressed, leaving me holding the proverbial bag for approximately XXXX  which was due immediately and not available to me at the time. 
Consequently, my credit scores and home equity suffered greatly as this development was totally unexpected and seems to be the product of some sort of legal malfeasance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened the disputes for wrong merchandise received on XX/XX/XXXX for XXXX $ from XXXX XXXX XXXX  XXXX XXXX. The merchant wouldnt come to get his products ( XXXX rolls of artificial turf ) and wouldnt issue a refund. 
Not only the Citi bank dragged the case into the XXXX, it sounds like they didnt read any of the proofs and docs i submitted to them. All they went with is the merchants response denying the charge. Case closed, investigation complete on XX/XX/XXXX! Unbelievable! They refuse to reopen the case and deny my appeal and I know I have a right to do that! 
Citi bank is the worst bank I ever dealt with, wish these charges were made with 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 2019-06-12
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was told by a Mr. Cooper representative ( XXXX ) that came to my residence that an in person meeting could be arranged and would be requested. A month later Mr. Cooper had not reached out to me regarding a meeting or the issues I raised and they put the mortgage into a wrongful default causing me unnecessary expenses, fees, and grief. 

I first contacted Mr. Cooper in regards to errors in their notices and amounts in arrears in XXXX. I requested an updated statement reflecting an accurate balance and current account be sent to my attorneys and the trustee. This did not happen. I went through all payments and made additional payments and the Mr. Cooper Agent on the telephone assured me that no payment on the account was due until XX/XX/XXXX. Mr. Cooper contradicted themselves and sent me notices months after for payment due XX/XX/XXXX. It is impossible to get accurate and timely info from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: JPMORGAN CHASE & CO.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
While we were in the process of closing on a home in South Carolina, I received fraudulent wire transfer instructions for sending money to the closing attorney. On XX/XX/XXXX, I wired {$200000.00} for my XXXX  account to XXXX XXXX, XXXX XXXX Account SC at JPMorgan Chase Bank. On XX/XX/XXXX, I wired {$250000.00} from my XXXX account to the same account. About two hours after the second wire, it became apparent that this was a fraudulent account. I notified XXXXXXXX XXXX XXXXXXXX who filed a report with Chase. I also filed a IC3 report with the FBI who also notified Chase that the transaction was fraudulent. We tried to speak with someone at Chase, but they would not speak to us. I have since worked with the XXXX XXXX on this issue and have learned that the two deposits remained in the Chase account for almost one month before the funds were withdrawn. Obviously Chase had able time and opportunity to freeze and return the funds after receiving notification from the FBI, XXXXXXXX XXXX XXXX. While I admit that I " fell for '' the scam, Chase had plenty of opportunity and I feel the responsibility to return the funds since the funds remained available for almost one month before they were withdrawn. XXXXXXXX XXXX XXXXXXXX have also done very little to correct the situation, only contacting Chase once. They have since told me to stop calling them. I feel Chase should return the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This has damaged my credit and for me to buy a house as a single parent

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 2023-09-01
Company: Affirm Holdings, Inc
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I purchased a streaming device from a merchant and used Affirm to make payments ; once I received the product, it was not as described on the merchant 's website. I reached out to the merchant several times via email, phone calls and even requested a refund via their webpage and no response was ever received from the merchant. I filed a complaint with Affirm that I would not pay the loan due to this situation. Affirm stated after investigating my concerns, they found the merchant creditable and that I still own the loan and payment is required. I requested Affirm to provide all correspondence and/or documentation on the process they used and what they received from the merchant and Affirm would not provide anything from their investigation. I then got a notice that a negative remark was submitted by Affirm to XXXX XXXX XXXX. I disputed this with XXXX, and XXXX stated " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' The report does not provide any details. I called XXXX and the Rep was no help and now I am making a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: EQUIFAX, INC.
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:
I have paid down considerably on this account from XXXX XXXX  XXXX, Equifax, XXXX, and XXXX  are reporting incorrect information. The balance is now XXXX and it should reflect that.

Company response to consumer: Closed with explanation