BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-29
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company XXXX ( XXXX XXXX XXXX )  contacted me repeatedly and my parents repeatedly in a 2 day time period starting on XX/XX/XXXX. The first person to contact me was XXXX XXXX XXXX XXXX XXXX. He left multiple messages on my phone and my parents phone. He claimed he was trying to collect a debt from Citibank from the year XX/XX/XXXX. He said that the last activity on the debt was XX/XX/XXXX and that because the bank put the debt on hold due to the government bailout and now he was coming back to collect the debt. I asked him if he could do that and he said yes and if I didnt pay he was going to report it to all three credit bureaus. I told him I filed chapter XXXX bankruptcy and he said that didnt matter and he was going to do whatever was necessary to collect the debt including garnishing my wages. He said since I have repaired my credit now that when he did report it to all three agencies it would ruin it again. I asked to speak with his supervisor and thats when he let me speak with XXXX XXXX. XXXX XXXX said the same things including ruining my credit, garnishing my wages, said he was happy to call my parents to see if they could pay the debt for me. He said a debt is a debt and they can come and collect at anytime until I die.

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 2023-01-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have been banking with Chase for many years. 
Several months ago, I set up a XXXX account THROUGH CHASE. 
When I set up the XXXX account, I created only ONE recipient, my landlord, XXXX XXXX, which was linked to his XXXX ADDRESS. 
For several months, I successfully transferred money to him through XXXX to pay my rent. 
On XX/XX/2022, using XXXX, I transferred {$2000.00} to XXXX XXXX for the XXXX rent. 
The next day, XX/XX/2022 I transferred {$1100.00} to him to cover the remainder of the XXXX rent. ( The total rent every month is {$3100.00} ) On XX/XX/2022, I received an email from XXXX XXXX saying that he NEVER RECEIVED the money I sent via XXXX. 
I checked my checking account at Chase and saw that both payments, totaling {$3100.00} had been taken out of my checking account. 
Then I discovered that someone ( NOT ME ) had created a second ( phony ) XXXX recipient. 
This second recipient was also named XXXX XXXX but it was linked to a PHONE NUMBER. 
This phone number is the SAME as my landlord 's phone number except for one digit. 
As I already mentioned, the one recipient I created was XXXX XXXX and it was linked to his XXXX account, NOT his cell phone. 
So, the questions are : 1 ) WHO got into my Chase XXXX account and created a second ( phony ) recipient? I repeat, IT WAS NOT ME. ( Is it possible that XXXX XXXX did this? ) 2 ) WHO received the {$3100.00} I sent for XXXX, 2022 rent? 
SOMEONE received the money. 
3 ) HOW did someone get into my account to create a second recipient?? 
I have spent HOURS on the phone with both XXXX and Chase. BOTH blame the other. 
Neither Chase nor XXXX have offered any information, nor have they refunded the stolen money. Neither have attempted to identify the thief. 
Allegedly, Chase carried out an investigation ( at my request ) They concluded that there was no evidence of fraud and offered no information about the so-called investigation. 
I already filed a complaint with CFPB against XXXX. XXXX responded that I need to take it up with Chase. That is why I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
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:
Accounts listed my XXXX XXXX continue to be listed as negative marks for XXXX XXXX and XXXX on account # account # s XXXX, XXXX and XXXX. In fact the XXXX mark is listed as 60 days late. For that to be 60 days late it means XXXX wasnt paid till XX/XX/22. Beings they posted the 60 days late on XX/XX/22 truly backs up the claim that all posted marks have been done wrong and not reflected correctly.

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 2021-08-19
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have my mortgage now with Lakeview. I began a refinance search since the rate is 2.85 %. Lakeview reach out to me after being a customer for about 5 year or more, never making a late payment and paying more then what the monthly statement asked. I've given them all documents needed. My credit score is a XXXX. 
What was stated to me by XXXX XXXX, Lakeview wanted a break down of two years of overtime XXXX, XXXX & XXXX. The reason XXXX I grossed XXXX and XXXX I grossed XXXX. I advised XXXX your looking at my pay where it shows I made {$40.00} per hour.

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 2023-07-19
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
my account was hacked and social security card, identification card, birth certificate, and debit cards along with phone was stolen and used to access my accounts and make transactions I didn't know about. I called PayPal and informed them of the problem but was refused access to my Account because my information had been changed and I could no longer verify the account. my money was stolen from XX/XX/2023 until XX/XX/2023 when I was finally able to regain access to my account with the help of a PayPal representative. I filed disputes against the unauthorized charges and they were automatically denied by PayPal without an Investigation I was told by several representatives. PayPal then took. oney from my account After informing me that XXXX cases would be closed I my favor and refunded to my account instead of crediting my account with the amounts PayPal debited the amounts fro. my account bringing my account to a negative balance. again they brought my account into a negative balance after allowing a person to lie and say that I sold the something when I explained to them that XXXX XXXX added his money to my account because theyhaimitatiobz on his account so that he could retrieve his money to use. I was told by several representatives that if I submitted a statement that I had no knowledge of the charges mentioned that I would receive my money back to my account within 3 days I had to submit statements 3 times and still havent received my funds back to my account. I have threatened to sue the company for funds they stole from me and the funds theyve failed to replace which is supposed to be FDIC insured they just placed a limitation to my account and deleted all messages between us that had anything to do with my complaints against them they made emails and messages disappear and stopped my ability to screen shot transactions I question. they failed to respond to me in a timely manner. at the same time my fiance account was hacked and take over they made sure to return his funds without any questions or requirements that they said were necessary to receive stolen funds I feel I have been immensely discriminated against as XXXX XXXX  XXXX  in XXXX by the company I requested information to file suit and was denied information stating they didn't have access to any corporate information. they once again denied me any funding return after no investigation after removing limitation to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Experian Information Solutions Inc.
State: OH
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 contacted Experian with a dispute in writing as soon as I noticed a debt for {$590.00} on my credit file in XX/XX/2019 from Report Number : XXXX Account Name XXXX XXXX   XXXX Account Number XXXX XXXX XXXX XXXX   Contact Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX  XXXX XXXX, GA XXXX I sent in a copy of my drivers license and deed to my house and a utility bill, and my birth certificate. the debt in question is a total different person, in a different city and different name. The attorney for XXXX has confirmed that this is not me, but Experian will not remove it from my credit file, going on the 5th month and it dropped my points by 50 plus!! I can not apply for my XXXX card or XXXX card and I'm still waiting to do my refinance on my house, but I cant until this is taking care of. When I called the attorneys office again to check on the status, they told me Experian was givien the info several times to review and delete it and has not responded.

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 2023-07-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was a victim of fraud for a total of XXXX. I was believed to be talking to a chase representative. The fraudsters manipulated the app, they added accounts under my name that werent mine, they sent me texts using the chase app, they authorized themselves using the chase app, and I was manipulated to believe I was speaking to chase because they followed the entire protocol. 
I was 100000 % believed I was sending money to myself and I have proof of it. There was never any intention to send money to someone else. I called chase seconds after realization, and their first response over the phone was NOT to close or freeze my accounts. I had to go to a branch to speak to someone directly. Banking with chase I do NOT feel safe. I have a personal AND business account and I dont feel safe making any transfers. 

Ive called the executive offices and the manager refuses to give me the information to her boss. I need my case to be reached to higher ups. I promise you, I will not quit. 

I will make 100000 more complains and 100000 police reports. I am try my hardest to take my case to the news, and I will 100 % be telling my story to social media in hopes someone will hear and fear to bank with Chase unless I am helped. I am a small business owner trying to to run a successful business without that XXXX but it is so hard. 

Chase, you are the number 1 bank in the United States. You have the means to help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Upgrade, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/XXXX Upgrade.com was offering a {$400.00} promotional bonus if a customer opened a rewards checking account, made 3 debit card transactions, and opened a line of credit. I opened an account, completed the 3 debit card transactions and opened a line of credit as was exactly stated in the requirements. In the following months, I called Upgrade three times to ensure I completed all of the needed requirements to be rewarded the {$400.00} bonus and was assured that I did each time I called. It is now XX/XX/XXXX and I still did not receive this bonus. When I called customer service, I was told even though my line of credit was open, I needed to verify my account to actually open the line of credit. This was never explained to me and I was never notified of this needed verification. Anytime I logged in to my account, it would say my line of credit is approved ( which means I opened the line of credit ). Now Upgrade is saying it's too bad and too late and they will not pay the bonus. This is extremely unfair due to their mishandling internally on their side.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: EQUIFAX, INC.
State: WI
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:
Tried to dispute fraudulent inquiries on my file with Equifax & XXXX wrote letters several times even tried calling the dispute department for both Equifax and XXXX, even claiming the inquiries are fraudulent they still both denied me to dispute them, both bureaus told to call each collectors, the collectors doesnt have contact information on most of the items, and even stated my FCRA rights to the bureaus they both just put me ON HOLD FOR SO LONG TILL I Decided to hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE BEEN BATTLING THIS ISSUE SINCE XX/XX/2023 WITH A FRAUD CREDIT CARD REPORTING AND ALSO A COLLECTON ON MY ACCOUNT THAT WAS RECENTLY ADDED. FOR THE CREDIT CARD I ALREADY SENT IT ALL DOCS PROVING THAT I AM A VICTIM OF IDENTITY FRAUD AND THE ACCOUNTS I AM DISPUTING DO NOT PERSONALLHY BELONG TO ME. BY LAW YOU ARE BREAKING THE LAW AND TRYING MY RIGHTS AS A CONSUMER. PER 15 USC 1681 IT IS ILLEGAL TO FURNISH ANY INFORMATION ON A CONSUMERS REPORT WITHOUT THEIR PERMISSION. AND REPORTING FALSE INFORMATION AT THAT. I DID NOT AUTHORIZE NONE OF THE BUREAUS TO FURNISH THIS INACCURATE UNORMATION. THIS INFORMATION MUST BE DELETED BY LAW OR I WILL HAVE TO TAKE LEGAL ACTION SOON. I HAVE ALREADY REACHED OUT TO MY STATES ATTORNEY GENERAL AND ALSO THE 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 2023-03-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on my Experian credit profile and I noticed there are an incorrect addresses on my report. If you can also take a look at my name appearing incorrect as well. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The incorrect names are XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX. 


The incorrect address is XXXX XXXX XXXX XXXX, GA XXXX and the CORRECT Address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2021-10-27
Company: EQUIFAX, INC.
State: NY
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 recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: NCB Management Services Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
New Info I pulled my Credit Report and noticed inaccurate information reporting by credit agency 's. They are in violation of in reporting inaccurate personal info, inquiries, charge offs, and collections. 

15 USC 1681 ( a ) ( 4 ) 15 USC 1681i 15 USC 1681s-2 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 15 USC 1681i ( 7 ) 15 U.S.C. 1692g I am requesting as the CONSUMER a description of the procedure used to determine the accuracy and completeness as stated in 15 USC ( 6 ) ( B ) ( iii ). 

FTC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EdFinancial Services
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Im frustrated with EdFinancials refund situation. The last week of XXXX I called to get a refund on my COVID payments and they stated it would take approx 150 DAYS to process my refund. Why is it that other servicers are quoting 4-6 weeks but EdFinancial is quoting 150 days? Seems suspicious as EdFinancial has proven to be a sketchy servicer. After calling again to make sure my request was put through I was told that my refund would take a very long time to go through. After all that, the icing on the cake is that EdFinancial had a data breach compromising my personal information!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 two accounts on my credit report XXXX  XXXX XXXX XXXX that are reporting inaccurately they both are showing past due balances and they are open. According to the fcar I have a right to an accurate credit report. There in violation

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 2023-07-19
Company: HYUNDAI CAPITAL AMERICA
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I was denied a car loan from XXXX. My income is {$1900.00} with my XXXX  as a co-signer. But they still denied me saying I would need a 3rd co-signer which I don't know anybody. So I'm stuck between a rock and a hard place. My XXXX  checked is credit report and it is a good credit score of XXXX and I was still denied. I am being unjustly denied a car loan. I'm getting all these car loan offers for a car loan because my bankruptcy has been discharged for a year now. But they still deny me. They just get me into the dealership to embarrass me. It's because of my race white and my gender being a female and my age.

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 2022-11-17
Company: EQUIFAX, INC.
State: CA
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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am a natural person, I am a living human being, I have right under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of time. I demand the accounts listed be remove because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation