BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have had my chase freedom card since XX/XX/2022. I have been on time with my payments. I had a payment on XX/XX/XXXX which I had missed because I was going through a hardship. I went to schedule my payment of {$80.00} which is due on the XXXX of XXXX on Friday XX/XX/XXXX I got a phone call from an XXXX number from chase it asked me to enter my 16 digit account number. Which I didnt because I wasnt sure if it was legitimate. I tried calling chase and i was on hold for 20 minutes. This morning I got a call from a number XXXX. And it is from chase card services. I called XXXX and I spoke to agent who told me her ID number and said that my account is 9 days past due but I have already scheduled a payment of XX/XX/XXXX and the system doesnt have a way of stopping calls. I am aware that it is past due and I already have the payment scheduled for XX/XX/XXXX. I would like chase to cease and desist. I do not need stress when I am getting back in my feet financially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My name is XXXX. 
I feel frustrated because I don't understand why my account has been limited without any reason. 

XXXX XXXX. 

I don't have any dispute on my account. 
I just received {$1.00} XXXX  from family and friend and after payment the system place the limitation. 

I do not associate with nothing ilegal. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: GA
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:
The account in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report, especially when the income reported does not belong to me as the consumer. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. Account Name and Numbers : 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 explanation
Consumer complaint received 2023-12-11
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: Information belongs to someone else

Complaint:
l Statement I have complained numerous of times about these same accounts. i have mailed multiple letters and even called to complain about these accounts. these accounts are fraudulent and do not belong to me. I am a victim of of identity thefy and these accounts where opened with out my consent. This has caused me to get denied auto loans and also numerous credit cards. These companies send mefraudulent validation contracts and signatures of accounts that arent mine, these companies fail to remove these negative incorrect accounts from my credit report. These also fail to semd me a updated copy of my credit report with the correct information. My next step is to file lawsuits on all parties involved for defamation of character and damages. This is my finel time demanding these fraudulent accounts to be removed 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 explanation
Consumer complaint received 2023-10-27
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: 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 The 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 2023-08-28
Company: Comerica
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello my name is XXXX XXXX. and I am on XXXX and selected to use the debit card that the XXXX uses. The bank is Comerica and the card company is Direct Express. I placed several online orders with XXXX, my account was debited twice for XXXX different orders. I spoke with XXXX to see if they submitted the purchase amounts multiple times. XXXX states that they only submitted the amount once. I contacted the bank ( Direct Express ) to dispute the charges on XXXX different occasions and each time my claim was denied. 
I have 10 different charges from 10 different orders that amount to over {$700.00}! I included my bank statements which show the duplicate charges. and each time Direct Express still denies my claim. I don't know who else to contact regarding this. Any information that you have that would help me, would be greatly appreciated. 
I am enclosing the order numbers, order date, duplicate date & the amount of the purchase. 
XXXX Order Number Order Date Duplicate Date Amount XXXX XX/XX/23 XX/XX/23 {$300.00} XXXX XX/XX/23 XX/XX/23 {$21.00} XXXX XX/XX/23 XX/XX/23 {$17.00} XXXX XX/XX/23 XX/XX/23 {$67.00} XXXX XX/XX/23 XX/XX/23 {$53.00} XXXX XX/XX/23 XX/XX/23 {$100.00} XXXX XX/XX/23 XX/XX/23 {$32.00} XXXX XX/XX/23 XX/XX/23 {$47.00} XXXX XX/XX/23 XX/XX/23 {$4.00} XXXX XX/XX/23 XX/XX/23 {$68.00} Total {$720.00} I am also enclosing the claim dispute numbers that have been assigned to my complaint : XXXX, XXXX, XXXX I would appreciate any and all help in this matter, Direct Express has been very unresponsive to my concerns. Someone from the Claims Dispute department called one day, left a voicemail telling me to call her back at the number on the back of my card. When I called back, which was in a matter of minutes. I was informed that they could not transfer me to the dispute department because they could not receive calls, as they could only call out. While on the phone the representative that I was speaking with informed me that my case had been closed because they had not been able to reach me by phone and my case was once again denied. 
I thank you in advance for any help that you can give me in this matter. Please feel free to give me a call regarding this matter @ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20
Company: Experian Information Solutions Inc.
State: LA
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 sent Experian documents proving that the bankruptcy was reported by XXXX XXXX that there is no public record shouldn't appears on my credit report it was reported as someone gain access to my information and used it, so they could not verified it with no proof.

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 2018-08-31
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I came into this branch today to open a savings account after the security guard informed me that the banker was already late she told me that he had no appointments in front of me and that I would be the first person he saw it he came in the bank teller XXXX was late he immediately ignored me he went into helping other customers and decided to ignore even the security guard telling him that I was waiting on him for customer service and then began to still sit there and do whatever he wanted to I waited patiently going on XXXX upwards of 20 and 30 minutes away Ting I came up to the window and I told the young lady I said you know it at this point can I just close my account and withdraw my funds she told me I could not without speaking to a banker I said what I know I should be able to withdraw my funds without talks about 30 minutes now and she told me that I could not have to have a seat and then I said the lady that was sitting there threw up her hands very disrespectfully and walked away the branch manager with her little XXXX attitude told me that they were going to ask me to go to another branch because I was being rude and I told her what was rude was having the nasty late Banker sit there and ignore me while I was waiting going on 20-30 minutes for his service so that I can open a savings account and close my savings account at the same time I began to leave and me and the branch manager began to have heated discords back and forth with her being sarcastic and nasty and telling me to leave and when I asked who she was she just slammed her business card under the window at me and said what time the branch manager Etc the security guard began to in a threatening way hold her hand on her firearm as if that was supposed to provoke me to leave the building faster and which I told her that I was not scared of a XXXX all the cuz she had a XXXX she's not the only one with XXXX and things like that and I left with the same that actions like that is how people get shot XXXX Branch I've ever went to I went to another Branch immediately after and inform them of what happened and at first it was no problem with me opening my account and getting my funds for savings account and then after that I got a call some evening by some security for XXXX telling me that the bank was going to be closing my account because of the comments I made still without addressing any of their customer service issues so that is going to be handled in court on Tuesday I've never had such a nasty unprofessional unethical XXXX ran building Bank in my life one branch and BMO is siding with his XXXX employees as if I'm the villain in this and I did something wrong XXXX ridiculous

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: IN
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:
The collection XXXX XXXX  XXXX XX/XX/XXXX. XXXX {$850.00} Im not responsible for this account and I gave no permission for this account to appear on my report as the law states that I have a right to privacy.

This is the 2nd time this account has been place on my Experian credit report and I ask it be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Tried to lower payments during financial hardship during XXXX and was unsuccessful then vehicle was repossed.

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 2018-11-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was reported to XXXX XXXX and collection agency by the name of XXXX XXXX XXXX XXXX that said account was a result of identity theft. FTC ID theft affidavit # XXXX and XXXX, FL. police report # XXXX by officer XXXX, Badge # XXXX. Portfolio Recovery Associates says that this account is valid because they attached a copy of the credit card statement to their collection notice stating that such attachment establishes it's validity. A copy of a credit card statement proves that the account is not Fraud as I have reported? This collection company violates the Fair Debt collection act on a continuing basis and I have filed a complaint with the Attorney Generals office. Furthermore, I was notified by Equifax that I was a victim of the XXXX breach. I have had over 32 fraudulent accounts removed from my credit reports that were not mine and some even had the same name but the last four digits of the social security number did not match. Moreover, I have contacted XXXX XXXX  and they have in fact verified that the name on the account matches my name but the last 4 digits of the social security number do not match. It is clear this account belongs to another person with the same name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: Fay Servicing, LLC
State: PA
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:
I learned the bank account I use to pay my mortgage would soon change routing number and account number. So on XX/XX/XXXX I initiated an early payment of my mortgage ( {$1600.00} ) to Fay Servicing for the month of XXXX. 


XX/XX/XXXX - I paid {$1600.00} to XXXX XXXX. 
XX/XX/XXXX - Fay Servicing attempted to charged me {$1600.00} ( using old bank details ). This ACH returned/failed ( due to old account ). 
XX/XX/XXXX - Fay Servicing charged my old account {$1600.00}. This ACH returned/failed ( due to old account ). Fay Servicing then charged my new account {$1600.00}. This charge went through. My bank verified it via trace # XXXX. 

I have shared all this information with multiple Fay Servicing customer service representatives and all they tell me is that they don't see the money ( that they withdrew from my account ), there is no problem, and nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a XXXX mortgage and my servicer is Specialized Loan Servicing in XXXX. I had requested a XXXX month XXXX/financial related forbearance for XXXX payments, XXXX through XXXX of XXXX and I advised the servicer I would be able to make full payments again in XXXX of XXXX. I had contacted XXXX XXXX prior to my request to see what options were available and according to XXXX XXXX I was entitled to a maximum of XXXX months of forbearance and that I could also have these XXXX payments simply deferred until the lien was either refinanced or the home was sold without a formal Loan Modification. I made it clear I would make every attempt to repay these XXXX payments much sooner than this scenario. 

I attempted to make a full payment as promised on Monday XX/XX/2022 and I always use the online services of the servicers website. Every available payment option has been blocked from me to use without any explanation and I have repeatedly called the numbers I have to reach this servicer and I can never be connected through to the supposed representative assigned to my account. Its unacceptable that even after faxing my requests and copies of correspondence sent to this servicer previously I get no answers. 

I will file chapter XXXX bankruptcy as an option if I have to, to send this XXXX loan servicer a message, and Ill get a XXXX month plan to repay the past due payments which will amount to approximately XXXX a month plus a normal monthly mortgage payment. 

This servicer is intentionally ignoring XXXX investor servicing guidelines and Im not your typical mortgagor as I am a XXXX XXXX XXXX man with a prior XXXX year career as a mortgage servicing operations manager and Loss Mitigation Manager for some of the biggest banks and mortgage companies in the business. 

It is unacceptable that XXXX will not simply defer these payments pursuant to XXXX XXXX servicing guidelines.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that 3 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I hadn't heard from them yet. 

I am sending the third letter to them today, XX/XX/2023, letting them know that I still have not heard from them and that further action will be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm that they have done a single thing to protect me and my credit.

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 2018-10-30
Company: CITIBANK, N.A.
State: NV
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 have lodged disputes with Best Buy/CBNA, Citicards/CBNA and XXXX XXXX/XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During the time frames listed I also asked for assistance from each of the credit bureaus. I initiated the dispute process because I contracted with the XXXX XXXX XXXX in XX/XX/XXXX and they were to assist me with paying my creditors. Although I was struggling to keep my payments current I was not late with the accounts listed above prior to contracting with 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
Consumer complaint received 2023-10-27
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:
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