BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-30
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am XXXX years old and I have been repeatedly called by an unknown caller who leaves the following voice mail, which I have transcripts of - " We are contacting you from process division we received an order for you it looks like two pending charges. Now unfortunately because we were not able to reach you by phone you will be actively pursued at your place of employment and your residence. 
You have the right to contact the client to resolve the case voluntarily. Understand when you are located -- you forfeit that right. To speak with an agent press one or contact our office at XXXX. When calling be sure to reference your case number. '' I have the transcript of another voice mail which is very similar- same phone number. 
I finally took the call. The caller- who identified himself as XXXX XXXX or something similar, new my name and the last of my SS #. I asked him what company he was calling from and he said- XXXX XXXX  XXXX. He said they had tried to contact me by mail at an address- where my daughter had once lived. He then told me I still owed $ 13,000+ on a previous car repossession. And knew my entire social security number and named the model of car. And that they would resolve the debt for {$960.00}. 
There in fact had been a voluntary repossession of that XXXX XXXX. I am currently paying off the balance with another collection company and have been for several years. 
He said it was probably too late and already headed to court, but would try to intercede. He put me on hold and when he returned said he could accept the payment. 
I told him I had to go into a Dr appointment and I would ball him back. He gave me this number and extension- XXXX XXXX. He said I only had 2 hours or it was going to court. I did not call back and continue to get the call- voice messages.

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 2017-07-30
Company: BHFC Financial Services INC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I entered into a automobile loan agreement with BHFC Financial Services  XX/XX/XXXX . I maintained a good payment history with them and any time I was going to be late (twice)  I notified the company in advance. Beginning in  XX/XX/XXXX  I made several attempts to payoff the balance of the vehicle due to its high interest rate (

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Experian Information Solutions Inc.
State: RI
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:
In XX/XX/2019 i filed an ftc ID theft affidavit to have certain fraudulent items on my credit report blocked in accordance with the fcra. The bureaus blocked the information but now one of the accounts has re-appeared on my experian report. This account was blocked for the last 6 months and randomly is back on my report. I resent them my FTC documents and letter to have it blocked, however Experian is still reporting this item and is showing up on my reports now for some reason. This is a violation of the FCRA and I want it resolved immediately.

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 2021-03-05
Company: JPMORGAN CHASE & CO.
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:
On my reports there is a closed account with huge amount of missed payments. JPMCB CARD SERVICES XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB CARD SERVICES has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I have sent multiple letters and emails ; also called both companies and exampled to them that this account is not mine. By this account reporting false information on my credit report, it has caused lenders to refused applications ; which put my business in a financial deficit. Please assist me with this issue by removing is fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX, XXXX I received a credit notification that a negative item was listed against me, On review of my reports it was listed as Midwest Recovery System in amount of {$2600.00} for payment for XXXX XXXX XXXX. I was never contacted by Midwest about this account. Further more The amount that they request is the same amount XXXX XXXX XXXX stated I overpaid and sent a check to me, I called them and unsure about amount asked them to verify but in mean time was told to return check to car dealer which I did..check was not cashed by me.. ( Second ) date of first late payment was in XXXX not XXXX. Amount in question is incorrect account should be {$0.00} please research check amount submitted by Original creditor and returned as instructed to car dealership. check bank cashing information as I did cash check. Also regarding Midwest a review of my phone and mail history for certification of recipients shows no calls or contact history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: FIFTH THIRD FINANCIAL CORPORATION
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 deposited {$1000.00} into a Fifth Third account and paid a {$24.00} account fee solely for the purpose of establishing a trade line that would report as " Always Pays As Agreed. '' While I always paid the account on-time and as agreed, Fifth Third failed to properly report all on-time payments as well as the final account payoff to the major credit bureaus as agreed and as was the only purpose for the establishing of the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: NEW YORK COMMUNITY BANCORP INC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2023 I paid {$4700.00} {$100.00} of which was a disputed late fee that I very clearly did NOT agree with paying.and they took the {$100.00} out of my checking account without my consent. This was fraud. 
I set up auto pay and on XX/XX/XXXX they deducted this amount from my checking account {$2300.00} and instead of applying this to my account they held it as of today for XXXX days in 'suspense '' and it is in their account collecting interest while my account shows unpaid and i effecting my credit history with late payments. They themselves can not ive a reason Why I am in suspense as if looking deep into the account they see that it is actually paid even though it shows past due.which is concerning amd scary. 

We just want our payment history to be reflected on our credit history as we have been paying on time and the bank is not applying the funds properly as is their responsibility.

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 2023-04-25
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
This company is reporting status of account incorrectly to XXXX, XXXX and 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 2021-07-17
Company: Atlanticus Services Corporation
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Fortiva Credit Card. 
XX/XX/21 logged onto account to make a payment. The payment screen does not fit on my phone using the mobile app or on my computer using XXXX XXXX or any other search engine. the screen does not scroll and I can not get to where I need to make my payment. Called the phone number listed and system will not recognize my social security number. Used the chat feature and I only got pre printed canned responses that the " person '' I was talking to, XXXX, was looking into the situation and I should call in. I explained that I tried and couldn't get through, got the same response. Now my payment will be late. Please look into this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: IN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my 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

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 2018-12-23
Company: EQUIFAX, INC.
State: MA
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:
Please see attached a stipulation from the office of Attorney General, Commonwealth of Massachusetts. Several years ago I obtained what was to be classified later as a usurious vehicle loan from XXXX XXXX. This bank later merged with XXXX XXXX and hundreds of their charged off vehicle loans were disallowed by the Attorney General in 2017. Accordingly, as the XXXX charge off is still on all of my credit bureaus, they exist illegally. XXXX is in violation of their subscriber agreement with all credit bureaus, and the evidence is attached that there is no permissible purpose for the trade line to exist. The trade line must be removed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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. 

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

15 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 2023-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
The entire ordeal started with 18 charges to a fraudulent website starting last XXXX. It took multiple calls to customer service to try to dispute the charges and get adjustments. In the end there was only 14 of the 18 adjusted. Of the 14 adjusted all of the charges reapplied.

After multiple calls to customer service I was told it was because you needed additional information, and electronically sent a letter requesting it.

However, I have no access to such letters, and agin multiple calls to customer service couldn't explain why I didn't have access to the documents. Finally I was told computer error, but the charges couldn't be readjusted because I didn't respond ( to paperwork I never got ).

At this point, all I wanted to do was close the accounts, but wasn't allowed to do that either. So I decided to withdraw the funds. Nope, account locked, and again, multiple calls to customer serve ( which is a joke in itself ) resulted in nothing. 

So... 

XXXX. There's $ XXXX dollars in reward money that was supposed to be credited to the account which has just disappeared. 

XXXX. There are {$830.00} worth of charges to a fraudulent website, which neither you nor I can get in touch with that you wont adjust and wont re-dispute. 

XXXX. There's a checking and saving account with funds that you wont release.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am extremely frustrated at this point! I have tried to be as professional as possible and its seems that the nice people ALWAYS get over looked and the end of the XXXX stick! These false reporting accounts on my credit report has been an extreme distress to me and my family and has been hindering me from taking care of my family and getting approved for housing and sooo much more you cant even imagine!!

These accounts need to be removed from my account IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: LD Holdings Group, LLC
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
I am in the process of selling my home. It has an assumable VA loan and the mortgage is held by Loan Depot. I had a buyer sign an contract to buy my house and assume the loan on XXXX XXXX. Loan Depot received the Loan Assumption Application from the buyer on XXXX XXXX ( verified through their customer service ). I have contacted Loan Depot multiple times over the last three months for updates and they continue to say they are 'working on it '. They will not provide the name or number of the loan specialist working on it and when I have gotten a return call, the response it always, we are working on it. On XX/XX/XXXX, I created a help ticket with the VA as there was still no update with firm dates from Loan Depot and we were to the 45 day point from Loan Depot receiving the loan application. Per VA Circular XXXX the Loan should have been approved ( or denied ) within 45 days of receipt. Both the VA and I reached out and were told the loan would be processed NLT the XXXX of XXXX. It was not until XXXX XXXX that the buyers received a message from Loan depot saying they received conditional approval for them to assume the loan. Since that time, I have asked for updates and a firm closing date, and have received nothing. Last week, XX/XX/XXXX, I called for an update and filed a complaint in the Loan Depot system. I have not received communication from them since and called today to follow up. I was told the complaint was opened yesterday ( XX/XX/XXXX ) and they loan was 'at Stage 3 and with the VA for approval '. I then contacted the VA this morning ( XX/XX/XXXX ) and they have nothing in the system from Loan Depot other than the answer to the initial VA inquiry on XXXX XXXX saying Loan Depot would provide an update. the loan is not 'with them'.. 
I have extended the date of closing on my new home twice and now risk losing it as we can't get a firm closing date on the assumption of my current house. 
Finally, when calling today, Loan Depot told me they would not update me again until the XXXX of XXXX ( another 3 weeks ). This process should have taken around 60 days and we are now at the 90 day point with no end in sight. I am looking for assistance to get this loan finalized so I can move on. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: JPMORGAN CHASE & CO.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
JP Morgan Chase blatantly lied to both Consumer Finance Agency/Federal Trade Commission with the intent to cover up numerous violations of the Fair Credit Billing  Act. In JP Morgan Chases response to complaint XXXX it said they sent me a notice on XX/XX/2019 that said the fraud that I reported on XX/XX/2019 was under investigation. That is a complete and utter lie and I proved that to you, Consumer Complaint Commission/Federal Trade Commission, with the screenshot of my account PROVING I received NOTHING until XX/XX/2019. 

I will not stand for being lied to by a corporate entity who is supposed to have a fiduciary responsibility to protect me from fraud using THEIR CARD! If you can not hold companies accountable to compliance with the FCBA, and protect consumers like me, please tell me what government agency to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Second Round Limited Partnership, Austin, TX Branch
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I filed a dispute with XXXX XXXX regarding a XXXX card that is reporting negatively on my credit report. 

I received a letter in the mail on XX/XX/XXXX dated XX/XX/XXXX stating that my account had been sold to Second Round LP on XX/XX/XXXX.

I never received a letter or any documentation from Second Round LP regarding any accounts and Im not even sure that this debt is mine. 

I received the letter on XX/XX/XXXX and as of XX/XX/XXXX its reporting negatively on my credit reports. I want it removed as I never received any documentation from this company and am not even sure that the account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This company continues to contact me after I have advised them no longer call me and only send something in writing. They have contacted my employer on multiple occasions.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was called by a debt collector on XX/XX/XXXX to collect a debt I didn't owe. 

They used a name I don't go by, XXXX XXXX XXXX XXXX, that my parents have used on occasion in the past for certain things, but is not a name I use ever, and not my legal name. They also claimed 'they didn't have my current address so past forms weren't received ', though I have lived there for 4 years and have used only that address since. 

They referenced a medical visit that occurred last year on XX/XX/XXXX to XX/XX/XXXX, that I had previously paid all bills in full on. I had received medical care under my legal name, XXXX XXXX, under my current address, and all related bills and other info had arrived addressed as such. 

I stated clearly I didn't owe the debt and when the caller was persistent I gave them my address and told them to send me the info in the mail along with proof they owned the debt. The caller stated 'owe we don't own the debt ', but was still persistent in wanting to send me the info anyways. 

Today, XX/XX/XXXX, I have received the info in the mail, from a 'UCSB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ', again, with the wrong name, with random charges on it, and I was insured at the time so if those charges weren't fraudulent, some of them would be taken care of by my insurance, and without the proof that the debt is owed. That is why I'm filing this complaint. 

Attached is the fraudulent debt from USCB, and an actual debt from the medical service referenced that has since been paid in full. 

Best, XXXX XXXX.

Company response to consumer: Closed with explanation