BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone had access to my account after Chase Bank 's fraudulent department contacted me. 

On XX/XX/2023 I received a call from Chase Banks Fraud Department informing me that someone tried to make a purchase at XXXX XXXX in XXXX for an amount of {$390.00}. And that it was declined. 

Friday, XX/XX/2023 I logged into my mobile bank and noticed my SAVINGS ACCOUNT was debited the amount of {$280000.00} with a total of 36 debits of {$80.00} per transaction. 

XX/XX/2023 - 18 ATM Withdrawals from SAVINGS ACCOUNT for the amount of {$80.00} each. 
XX/XX/2023 - 18 ATM withdrawals from SAVINGS ACCOUNT for the amount of {$80.00} each. 

On Tuesday, XX/XX/2023 / XXXX I received another text and a call from Chase Fraud Department regarding a transaction for {$170.00} for an XXXX XXXX purchase from BUSINESS ACCOUNT. The text states if this is not me, we will close your current card and send a new one. ( of course no card was sent ) On Tuesday, XX/XX/XXXX, XXXX XXXX I received another text from Chase Fraud department for my BUSINESS ACCOUNT for the amount of {$1700.00} and if its not me they will issue me a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Affirm Holdings, Inc
State: OH
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: Was not notified of investigation status or results

Complaint:
XX/XX/2023 asked why wasnt I notified never opened 3 accounts with company representative assured me nothing was reported and that was not true

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I evaluated my Experian Credit Report and noticed several inaccuraries related to reporting information. Specifically, XXXX XXXX is reporting several late payments that are not accurate. Below is a copy of transactions. 

XXXX XXXX XXXX XXXX Closed 51 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XXXX XXXX, XXXX Credit Limit - {$1300.00} Payment Info Status Paid, was a charge-off Status date XXXX XXXX Past due amount - Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX View less XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO XXXX - - - - - - - - - - - On Time CO Charge off 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter yesterday from PennCredit Corporation stating that I owed back Maryland State Taxes. I checked my tax returns from XXXX and XXXX and I received a refund. I did not owe. Also, this debt was not reported to any of the credit bureaus. 
I tried calling the toll free number for Penn Credit Corporation XXXX and got a recording for XXXX XXXX. This recording was over 30 seconds long. I was not able to press # until it was finished. When I pressed #, XXXX answered and went into a spiel of how I should get a XXXX XXXX. I was not able to interrupt her so I think that too was a recording. 
I feel this is a scam even though this is a legitimate company and I got the phone number from the website online not from the letter. 
They should be reported for fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023, I requested Western Union to initiate a money transfer of XXXX to XXXX XXXX. Transfer number XXXX XXXX. The receiver could not pick up the money due to transfer issues with Western Union. Call back Western Union and they suggested I cancel the transaction and start a new one. I did as they suggested. Western Union has failed to issue a refund for this transaction. I have called 5 times now to follow up on the refund. The current escalation number is XXXX. When they issued the escalation number to me on XX/XX/2023, they said the issue would be resolved in XXXX to XXXX hours. Call back today XX/XX/XXXX, and XXXX days later they can not provide any updates on my refund. I need help getting my money back. Western Union is just stalling on this issue and is providing no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: TX
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 listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
I have filed online disputes with Equifax 5 times for the same incorrect collection account.The debt is from a debt collector by the name of XXXX XXXX, a man claiming to be an attorney in AL, though I cant find any evidence of him on the State of XXXX XXXX XXXX page. He has no license. 
I sent a certified letter to XXXX XXXX XXXX XXXX how the charge in incorrect. The signature for the certified letter was returned without the required signature. Im assuming he refused to sign. There are literally hundreds of complaints on this man in the XXXX XXXX XXXX. He is unprofessional and I cant get a hold of him to address the error. 
I have filed the dispute with Equifax multiple times, each time with more documentation. Incuded was a bill which proves they gave me a credit for equipment return and then added the charges back. I then found the return receipt from XX/XX/XXXX from XXXX from when I returned the equipment at their storefront. The credit reporting company Equifax still refuse to remove it. Equifax needs to erase this inaccuracy from my credit report. Ive called the Equifax consumer line at XXXX however it s a recording that is stuck on a loop. The times I've called in before, they've given different stories such as account number was redacted so I sent updated copy, anothe rite they said no documents were attached so I resubmitted. The story changes every time I speak with them. 

These are the dates and file numbers of my multiple dispute attempts. 

XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: PA
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 NEVER LATE ON THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan

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 2018-11-24
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After receiving a permanent modification in XX/XX/2018. XXXX XXXX XXXX was overcharging the escrow amount causing the monthly payment to be incorrect by approximately {$400.00} over per month. We bought this immediately to XXXX attention but to no avail of them correcting the monthly balance due. After continuing to report this error to XXXX, We had our Servicing of our mortgage switched from XXXX XXXX XXXX XXXX to Specialized Loan Servicing. A company that deserves it thousands of 1 star reviews. While they amazingly have the correct monthly amount due, which is {$2800.00} compared to XXXX {$3200.00} we then had an XXXX XXXX statement with a HIGHER amount due then the next month XXXX SLS statement. When we ask SLS how is XXXX XXXX statement HIGHER than the SLS XXXX statement, we were told by SLS they are not responsible for previous servicer mistakes and then they harassed us and mentally abused us, stating they will just foreclose on us if we don't pay the full amount, no matter they have incorrect statement balances, post dated late fees charges when they were not servicer and now this XX/XX/2018 just charged us {$750.00} in forced placed home insurance when we had home insurance coverage sent in as proof by XXXX 3 days later. We have offered numerous easy solutions but they just threaten foreclosure. This debt collecting organization needs to be closed immediately and what they are doing to us is criminal, in our opinion and they need to answer for their actions and verbal harassment. We hope CFPB looks into this serious matter, contacts XXXX XXXX and let them know what both servicer XXXX and SLS have done and can make them straighten up immediately and no longer financially harm our family with XXXX young boys caught in their shell game.

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 2023-12-03
Company: NIC, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Nemo 's Coll XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Charging me XXXX dollars for medical payments. 

I had a therapist for a while. But he was charging me an absurd amount of money for therapy. Nearly XXXX dollars an hour. He was also not proactive in therapy and even drove during our sessions. 

I paid for all of my sessions, then they tried to send another collection of {$110.00} for diagnostics or attempt to prescribe drugs. I was not aware of this nor was I aware that they would charge {$100.00} dollars plus a late free for a " attempt '' to prescribe.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-09
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I make my monthly payment, i had one payment return due to double payment which i gave them a heads up about. They acknowledge the error and advised they will make note of it. Ever since that payment they have ever payment from debit card, ach, and cash on float, I understand ACH due to the nature of ach payment. Debit cards payments are real time payments applied immediately into Citi Banks possession. They recieved one this past month and wouldnt clear untill i made it a point. I have had several team members from exectuive team and managment always giving me bad information. I ask how long floats last for they advised me " whenever the system wants to. '' To hear that is a insult to my intelligene espically when i worked in the banking industry. Im constantley mislead. They want to call my bank on three way to see if funds cleared when ach team should be doing that. That representive isnt privileged to hear my full social security number and full bank details,

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 2023-12-18
Company: Spring Oaks Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
My consumer rights are being violated by Spring Oak Capital they obtained my information from a 3rd party without my consent and my privacy rights are being breached. I sent a letter to Spring Oak Captial on XX/XX/XXXX asking them to cease and desist the sharing of my information with other 3rd parites. They fraudlent obtained and shared my information with credit reporting agencies. I reserve all right to the rights of my privacy, Privacy Act of 1974. Furthermore the may have violated others Acts as well.

Fair Debt Collection Practices Act ( FDCPA ) : The Fair Debt Collection Practices Act prohibits debt collectors from using deceptive, unfair, or abusive practices in the collection of debts. Obtaining personal information from a third party without the debtor 's consent may be deemed as an unfair practice under this act. 

Gramm-Leach-Bliley Act ( GLBA ) : The Gramm-Leach-Bliley Act protects the privacy of consumer financial information. Unauthorized access to and acquisition of nonpublic personal information without consent is a violation of this act.

Right to Financial Privacy Act ( RFPA ) : The Right to Financial Privacy Act protects the confidentiality of personal financial records. The unauthorized acquisition of my financial information without my consent is a breach of this act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, one paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below, as I do not recognize these accounts. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately.

( SEE ATTACHED ) Also See identification attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: CNG HOLDINGS INC
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I filed a complaint with the CFPB against Tempoe LLC XXXX XXXXXXXX for deceptive practices and converting a purchase agreement into a lease arrangement after the product was paid in full ( CFPB Complaint ID XXXX ). On XX/XX/XXXX the CFPB ordered Tempoe LLC to pay {$36.00} XXXX in penalties and provide relief for tricking consumer and hiding contract terms ( CFPB choice of words from their press release heading ). Docket number XXXX. Tempoe consented to this order. In XXXX of XXXX, Tempoe sold the alleged debt to XXXXXXXX XXXX XXXXXXXX XXXX. With the assistance of the CFPB I was able to get them to delete the tradeline from my credit reports and received a commitment from them to never resell the debt. ( CFPB Complaint ID XXXX ). However, XXXXXXXX XXXX XXXX purchased this debt and refuses to acknowledge the terms of the consent order and all previous CFPB actions. This tradeline remains on my credit file and is resulting in a significant rate bump on my mortgage application due to it lowering my credit score. Over the course of the mortgage term, this rate bump is equal to {$86000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent XXXX letters asking for validation of debt and proof of where debt came from, where it was opened, address on file, and have not gotten a response for what i have asked. I made them aware what they are sending me is NOT VALADATION LETTER OF DEBT. At this time the debt has been written off they have not provided a XXXX or proof of debt in validation letter or deleted from my report. This debt was sold to multiable collection agencies and was resolved earlier this year as fraud by the first one and not XXXX more have been assigned to it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 to 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor may not treat a payment on a credit report account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Debt Recovery Solutions, LLC
State: CA
Product: Credit reporting 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:
Debt Recovery Solutions runs my credit twice a year since XXXX without any legal right under Truth and Lending. Debt Recovery Solutions is a debt collection agency with no debt to collect from that I am aware of, at least not for the last 9 years, evidenced by CRAs reports. Debt Recovery Solutions is branding my credit reports as being of interest to collection agency. They have no right to run my credit for any reason. Being a victim of Financial ID theft for many of the years that this company has helped themselves to my reports, they present a clear and imminent danger to security.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: CA
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank of America decided to close my account for no reason while I had several disputed pending against the reason why my account was in a negative balance. They were allowing someone access into my account by not removing the number ending in XXXX from my sign-in verification after I had removed the number from my account. They were giving other people access into my account. They lied about a check being deposited on XX/XX/XXXX, which I had disputed before it even deposited so I can assure you that check was never deposited into my account. The check was fraudulent and I did not deposit it which is why I disputed the check that was deposited into my account. Now Bank of America is stealing money from my dispute resolutions knowing lying saying that the check deposited on the XXXX when that check never deposited into my account. They only closed my account to stop me from getting the money I am entitled to. I want my money back they stole, and I'm ending my banking relationship with them.

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 monetary relief