BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have reached out to chase to apply for mortgage assistance numerous times since XXXX of XXXX XXXX. I have had multiple offers given to me for my house and every time we get close to closing on the home, something pops up on Chase 's part. One of the offers I received for my home was to go-ahead and do a short sale. I waited weeks for chase to respond and give us the go-ahead to move on with the short sale. As the closing date approached, I then find out my request was denied because HUD stated that chase failed to do their due dilligence. I could have sold my home months ago and avoided the hit the credit but because they seem to want to keep me looped into this foreclosure process, they are not approving any of my requests. 

Recently, I re-applied for mortgage assistance to see if I could apply for another short sale now that my foreclosure date had been removed. I sent in the documents on XX/XX/XXXX - I am working with an investor who has been calling chase on my behalf to see if they had assigned a manager to open up my case yet. The told me I needed to send in an offer for them to review anything. I sent in an offer with a contractors bid and an explanation of all the fixes the home would need. This was sent over and stated it was received in XX/XX/XXXX. We called today ( XX/XX/XXXX ) to see what the status was of getting a manager assigned and they said they are not going to assign a manager because there was a foreclosure date set for XX/XX/XXXX again after it had been removed on XX/XX/XXXX and told to me during a conversation on XX/XX/XXXX that there was no foreclosure date set. Chase seems to be playing a game in that they don't have their information straight and every time I call in, I get a different answer. I wouldnt be in this predicament if chase had completed what they needed to do and approved the offers I had received the first time around. I have received 4 offers on my home since XXXX of XXXX that meet what the principal balance is for my mortgage but they dont seem to care and are not taking my account seriously. My life is going to be severely impacted because of their lack of attention and their lack of caring for the customers they service. My son is a XXXX veteran and wants nothing more than to see his mother get out of this situation but I cant seem to get help from the company that says they are going to help me - they simple dangle a carrot in front of me offering to help and once there looks to be light at the end of the tunnel, they come up with some sort of excuse as to why I cant be helped. Their practices are very inconsistent and very unethical in the way they are managing their clients accounts. My loan number is XXXX. Please help me with the issue I am having with my servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-07-16
Company: Resurgent Capital Services L.P.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no idea what kind of credit card XXXX XXXX XXXX  issues. My identity has been stolen, I lost my wallet a few years ago & made a police report due to my debit card being used and cell phones being applied for under my social security number. I also had not been contacted about this debt nor had any knowledge until I pulled my credit report. Apparently, the debt was sold to a third-party company that purchased charged-off accounts in bulk for pennies on a dollar in hopes of collecting a debt. I have not been contacted before being charged off nor sold to this company. I will speak with an attorney if this debt isn't removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I tried fixing it with the company but I cant get them keep over drawing my account and so they keep putting me more in hole and I am on a fixed income

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: TX
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:
on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 non-monetary relief
Consumer complaint received 2023-07-15
Company: DISCOVER BANK
State: MA
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:
Discover SSN Inquiry & New Account Alert : Your SSN/New Account/Inquiry alerts will soon come from a new number XXXX. There are no additional changes to your SSN/New Account/Inquiry alert messages you enjoy today, and no action needed from you. More details discover.com/text-migration I am not associated with number XXXX and believe this is fraud. I did not make any new credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: General Motors Financial Company, Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company GM FINANCIAL account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$14000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: DISCOVER BANK
State: IN
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:
I am a student and for a long time I used my Discover student credit card because it provided good benefits. Over the summer of 2022, I traveled abroad and let Discover know that this was the case. I got stuck there with covid and forgot to extend the travel dates with discover, as a result of this, my account got flagged for fraudulent activity, and the only way to fix it was to fill out the physical form that they sent to the United States. For whatever reason, I submitted the form and they still couldn't verify that it wasn't fraudulent so they went ahead and closed my account resulting in not only a huge drop in my credit score because of a closed account but also I get automatically declined whenever I try to apply for the card again. This is extremely annoying because I've called, they cant help, and there was never any fraudulent activity in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 non-monetary relief
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: PA
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:
Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, Please Delete these Inaccuracies on my 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 2023-12-06
Company: Experian Information Solutions Inc.
State: IN
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2023-07-02
Company: FC HoldCo LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2022 i contacted each bank that showed on my report i did not apply for

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 2023-03-24
Company: Paramount GR Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife and I cancelled the Loan within 30 days. XXXX our solar panel representative signed us up with 2 different solar companies and 2 different finance companies. 
XXXX XXXX XXXX and XXXX XXXX 

We asked to cancel the loan and installation of the solar panels because they were installed with no permit and havent been turned on since. XXXX XXXX has prevented the solar panels from being uninstalled and our credit has been ruined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent two debt validation letters to this company requesting VALIDATION not VERIFICATION that the debt is mine. The company has failed to provide validation for the account # XXXX. This was submitted with the previous complaint request the company failed to remove this account from my credit report. This company has failed to validate the debt and failed to provide a Hippa authorization form. This business violated my health privacy rights and committed another violation of my privacy by not providing me the requested debt validation information,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: Creditors Bureau Associates
State: GA
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:
Creditors Bureau Association {$860.00} and {$700.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: NY
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:
My credit was ran at XXXX without my knowledge and resulted in a hard inquire on 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 non-monetary relief
Consumer complaint received 2019-03-26
Company: Thaxton Investment Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company calls 2-3 times a day about past due amount on personal loan that was taken in XX/XX/XXXX. Company calls references and leaves messages frequently. Company has come to my home several times. Company pulled credit report without authorization in XX/XX/XXXX. I called and complained to corporate who supposedly was suppose to check why this was done. No response back but company kept with calls. Company pulled my credit AGAIN without my authorization in XX/XX/XXXX. I AGAIN called the XXXX number and was told that they would look into it and I requested to be contacted only via email. I am still getting collection calls and XXXX  has gotten back to me about unauthorized pulls on credit report in an attempt to damage credit. They also reported it delinquent to the credit bureau so there was no reason for credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to access the funds in my capital one account. I have had to call 6 times. They keep freezing my account. Their customer service support can not help and my funds are locked in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX opened credit card ac. w/ Home Depot ( XXXX XXXX ) Store in XXXX . PA. 
I arranged for payment through my electronic bill payer with XXXX XXXX XXXX. 
On or about XX/XX/XXXX received 1st billing statement. Due date XX/XX/XXXX Bank records show payment was made in amount of {$5.00} on XX/XX/XXXX XX/XX/XXXX received late payment notice with fees assessed. 
XX/XX/XXXX Sent ltr. to Home Depot Credit Card Serv. with copy of negotiated bank check by Home Depot. Ltr. sent after several call to the Credit Department. 
Began receiving delinquent notice telephone calls from collections agents ( several ) daily. 
XX/XX/XXXX Received ltr. from H-D Credit Services acknowledging receipt of my payment and that payment should have been credited previously and that it would be immediately credited to account. 
01 thru present continue to receive late notices with {$2.00} charge each month. 
Negative entries have been sent to credit reporting agencies affecting credit score Credit Score of over 800 was down to XXXX as of XX/XX/XXXX. 
No other negative activity has occurred with any other creditor.

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 2023-12-06
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: Credit inquiries on your report that you don't recognize

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identities as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN

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 2023-07-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I closed my business account with a branch of citizens bank located XXXX XXXX XXXX XXXX PA XXXX on XX/XX/2023. I was instructed on the XXXX to wait until someone contacted me because all pending transactions had to be completed before they could give me the sum of my account. These instructions came from XXXX XXXX XXXX, I received that call from XXXX a banker that I could come and get the check but I had to pay a XXXX fee and again that was the XXXX. Little did I know that they had not informed me that XXXX XXXX XXXX cashed a check for XXXX on XX/XX/XXXX but my account was XXXX balance. A day later I received a call from a Citizens collections representative who stated that my account was overdrawn by XXXX because they sent the check to XXXX. They claimed that they could open my account and send this check because it was on bill pay. I closed the online banking bill pay and the opened my account again claiming they could open my account and send checks even with

Company response to consumer: Closed with explanation