BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-23
Company: Forster & Garbus LLP
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a personal loan with XXXX XXXX in XX/XX/XXXX. I wasn't able to continue paying the high monthly payments. Eventually, my loan was charged off. On XX/XX/XXXX, I received a letter from Forster and Garbus informing me that they are taking over collecting on the loan. I do not want to deal with Forster and Garbus because several years ago they filed a judgment against me for a different debt. They sent court documents to me several weeks after the court date, which I wasn't able to appear in person due to them sending me court papers after the fact. Furthermore, without prior notice they had placed a bank levy on my account and began garnishing my wages. In addition, they had harassed me with calls. Forster and Garbus has had many lawsuits because of their illegal debt collection practices. I am very, very concerned that Forster and Garbus will continue their illegal tactics and I won't have an opportunity to defend myself as I have learned from previous experience.

Please assist me as I am extremely concerned that Forster and Garbus will take action against me without giving me the chance to respond. I am hoping that this debt can be eliminated and Forster and Garbus can be investigated because of their unfair practices. 

Please assist me. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: JPMORGAN CHASE & CO.
State: VI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
While I deeply appreciate the services and credit extended to me by financial institutions, I find myself perplexed at the inability to secure credit limit increases on my accounts. Notably, all of my accounts are in good standing, with a consistent history of on-time payments. Additionally, I have recently experienced a significant increase in my monthly income, which bolsters my financial stability and capability to manage credit responsibly. Given these positive factors, I am keen to understand the criteria or concerns preventing the approval of credit increases. I believe that a reconsideration based on my improved financial position and impeccable credit management would be both fair and beneficial for both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had my House Foreclosed on, after I had an Agreement with Wells Fargo. You filed a suit which was decided in XXXX of XXXX. Wells NEVER did contact me so I contacted you and have Case Number. I then received a letter from Wells Stating they would contact me by today, XXXX. I also spoke with the Person handling it at Wells ( XXXX XXXX ) Friday who stated he would discuss. So I called him today, he was " out of the Office so I called Wells Management and was told, he would be calling me ( guess he magically appeared in the office ( smh ). He then stated, today, He needed another 10 days. All this, its a stall tactic for Wells to hold onto the money and get interest. They started screwing me in XXXX ( about time of Foreclosure ) and now that I filed, they are asking for my time. In summary, Wells agreed to the reduce payment in XXXX, took my checks, then Foreclose on me and then sent me about {$7000.00} which was the payments I made, on time and agreed to. Now, 15 years later, after admitting liability they want to keep me hanging longer in order for me to get restitution. This 10 day delay is a stall tactic and simply Wells keeping our money to gain interest. These guys are rampant abusers of Consumers

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 2023-10-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Chime Financial Inc
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
After being charged {$83.00} from XXXX I contacted XXXX and they agreed to give me my money back only they needed the transaction number to do that. Chime bank has refused to give me the transaction number and even after I dispute the transaction they have decided that Im going to pay the {$83.00} even though I didnt create this account and XXXX agreed to give me my money back now my account is in the rear of {$100.00} and Im not going to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: JPMORGAN CHASE & CO.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Six or seven years ago Chase Bank credit card tried to collect on debt that wasn't legitimate. It was fraudulent. I filed a complaint with the CFPB ( XXXX XXXXXXXX ). After some communications back and forth, Chase said they would no longer try to collect the debt. Unbeknownst to me, they filed it as a charge off. Now they're sending me a 1099-C for 2022 saying the debt is being forgiven. This means that I wold have to pay taxes on it as income. The IRS told my congressman 's office that I have to get a corrected 1099-C from Chase. I want Chase to send me the corrected 1099-C saying there was no debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/2018 I was the victim of a robbery. My wallet and other personal items were stolen. I attempted to notify every single company that I could recall having an account with about my robbery so they could complete their due diligence and take appropriate action. I had excellent credit and had many many credit cards ( more than I could remember at the time ). Apparently one of my accounts ( XXXX ) ended up being used fraudulently. When I found out about it, I immediately contacted XXXX and began the fraud process. To my shock they refused my claim and are trying to make me responsible for a debt I did not incur. I believe I even had fraud protection on this card! Now I am in the process of trying to buy a house but I can not qualify because of this fraudulent item is still on my credit report. I have made numerous phone calls, sent letters, completed affidavits, filed police reports and have done everything I can to get this issue resolved, yet XXXX nor the credit bureaus are helping me. I am extremely disappointed 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 2023-10-25
Company: Experian Information Solutions Inc.
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:
You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts included in disputes letters attached below :

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 2021-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2022 I booked a hotel on XXXX for an upcoming XXXX trip. This was reserved for XXXX XXXX with the XXXX being the checkout date. I have provided the XXXX receipt where I originally booked and paid for the hotel months in advance. Upon checking in I gave them my credit card as the XXXX receipt said there would be a {$66.00} fee upon checking. We were instantly bombarded by people trying to sell us activities. We do understand there is a resort fee at most hotels. We enjoy our stay, and upon checking out we are given this ridiculous receipt totaling {$1200.00} that is not only charging us once again for the stay which we already paid on XXXX, but they also tried charging us for room service we never ordered. I have provided the receipts I received from the hotel proving they tried charging me for the stay again. I refused to pay for any of it but of course they still charged me. What additional evidence do you guys need? I provided the XXXX receipt that proves I paid for my reservation, and then the receipt the hotel gave me which proves they are trying to basically extort me with the two main issues being that they are trying to charge me for my stay again and room service I didn't order. If there is any additional evidence you guys need please give me a call at XXXX or my husband a call at XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: OK
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:
Im begging you please remove this to the 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 2023-03-22
Company: Southwest Credit Systems, L.P.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I Used to have XXXX XXXX and was a client for over 15 years and had gotten a replacement sent and I sent back broken item was told 4 months later that they received box with no phone I went back and forth with them and told them that made no sense that they should track phone they told me they could not help so I told them would leave as they did not help so I cancel services and they kept a line open another issue I sent back the XXXX I had just purchased and told them mail me out final bill so I can pay months later they send bill and added both phones know they said they never received XXXX XXXX back again I had tracking info but they would not budge back.Well this pass XXXX I received a job offer after months I took over they had to do a credit check and come to know a company had put me in collections without my knowledge never received letter to calls letting me know I try to reach out and left messages and no response company name was SOUTHWEST CREDIT SYSTEMS I have the phones tracking numbers I have never had a collections account and pay all my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent two previous letters to Credit Bureau, all by certified mail ( receipts enclosed ) requesting that Credit Bureau remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that this account is inaccurate and that Credit Bureau violated the Fair Credit Reporting Act by ignoring my requests to investigate the item. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and this reason was not frivolous in any way.

I will file a civil suit in my county for damages and Credit Bureau can travel to defend yourself. 

XXXX XXXX XXXX NEVER LATE

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 2021-06-23
Company: Fay Servicing, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Faye Servicing sent me a " right to cure '' notice regarding my home mortgage. Within 15 days, I got a statement from them, increasing the balance due by over {$1000.00}. As I am in a chapter XXXX bankruptcy ( they got the stay lifted because my attorney failed to respond ), they continually refuse to speak to me on any level to try and resolve this situation or find a solution. 

I have made over 10 calls to them today alone, and 5 yesterday, spending over 4 hours on hold, and can not get any direction or support or assistance. My attorney was in email correspondence with their attorney, and a lady who identified herself as a Vice President for their company ( XXXX XXXX ). He specifically told both of them in writing that they had permission to speak with me, Faye Servicing simply keeps stallling, and putting me off no matter how much I try to find a solution. I have over 85 % of the funds to bring my mortgage current, and will have the remainder within 20 days, but Faye just keeps sidestepping any and all efforts I make, I have to believe that thier ultimate goal is NOT reslving my issue, but in trying the get to take my property, and the approximate {$120000.00} of equity it holds. PLEASE HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 

XXXX5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 contacted the creditors & bureaus regarding these inaccurate inquires on my report. I have not gotten any help I keep calling and calling getting the run around its been months I need this removed ASAP going against my rights I dont even have accounts with these inquires man.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Convergent Resources, Inc.
State: TX
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 has not removed or deleted inaccurate information reporting on my credit report. Convergent outsourcing HAS NOT provided PROOF OF OWNERSHIP OR VALIDATION WHEN ASKED. Convergent continues to report inaccurate information and even though I have sent letters and called XXXX, XXXX will not delete the inaccuracies. Letters were first sent XXXX XXXX and have continued to be sent to both parties requesting deletion. I also contacted the original creditor and they informed me that they are unable to verify account and it has been written off since 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 2021-08-30
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was offered a BestBuy Credit Card on XXXX XXXX  with a credit limit of {$2500.00}. 
and The Home Deport Credit Card on on XXXX XXXX XXXX. I was making payment till I lost my job. Then I fell behind in payments. 

I reached out to the bank to negotiate settlement, but the bank refused to respond to my letters. I have tried several times without success. I send letters via USPS certified mail to negotiate settlement, but the Citi Bank N.A. will not respond. There are proofs that the letters were delivered. See attached. Now they send multiple Attorneys and
Collection agencies to harass me. Several agencies claim the same account has been assigned to them. I do not know if they are scams or not, because the Citi Bank NA will not respond to my letters. See attached. 

Citi Bank has not informed me that the accounts have been sold or assigned to any debt collector agency. There is no document to show that the accounts were assigned to any of these collection agencies. So, I do not know whether these collection agencies are genuine or scammers. 

I have also found several irregularities on the Credit Card applications and account statements which might be violation of Federal Laws : 1. The Loan application shows that my annual income was {$7000.00} ( XXXX  XXXX XXXX Dollars ). How was I approved for a credit line of {$2500.00} ( XXXX XXXX XXXX XXXX dollars ) with an annual income of of {$7000.00}? 
Ability To Repay ( ATR ) was neglected. 

2. Interest and fees were capitalized to capital balance and interest charged on the balance thereby charging interest on interest and fees. This is compound interest which I believe is illegal. 

3. At a time when the Credit Card utilization was at 85 %, the bank increased the credit limit by 44 % without my request for increase of credit limit. Please see more details 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