BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-16
Company: Experian Information Solutions Inc.
State: FL
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:
1- XXXX XXXX/XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 2- XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 3- XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 3- XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 4- XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 5- XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 6- XXXX XXXX XXXX XXXX XXXX, XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 7- XXXX XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 8- SXXXX XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 9- XXXX XXXX XXXX. XX/XX/XXXX UNAUTHORIZE INQUIRE ON MY EXPERIAN 10- XXXX XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 11- XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON XXXX 12- XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON XXXX 13- XXXX XXXX, XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON XXXX 14- XXXX XXXX XXXX  XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON XXXX 15- XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON XXXX 16- XXXX XXXX XXXX XXXX XX/XX/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 2017-07-07
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a story of the little guy getting trampled by the big corporation. A total lack of customer service. I bank with Chase Bank, I moved a few years ago and began mobile banking since there is no branch in Minnesota. I tried to do a large wire transfer one night for payment on the construction of my new house and suddenly my online account was frozen. I called them and they said they locked it as a security measure but I had to go to a branch to get it unlocked. I explained I lived XXXX miles from the nearest chase, and after XXXX hours on the phone over the next few days, getting transferred and hung up on multiple times, and after pleading and begging for help, I was told to go bank with a different bank. Completely unbelievable. I still do n't have online access to my account, which is the only way I can access anything, I have checks I can no longer deposit, and I have spoken to a very high up member of management, who has not returned my phone calls. I stand under the feet of one of the largest banks in america .... trapped with no way out. I did n't do anything wrong, but chase expects me to travel XXXX miles, take time away from my family, and take time off of work to show my face for XXXX minutes at a chase branch. They wo n't accept anything else and It sure feels like a crime to me. An side effect of my checking account being locked is that my credit cards and my mortgage are both managed through the same site. So now I ca n't manage any of those things.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Synovus Bank
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : FSTPROGRESS XXXX XX/XX/XXXX DEPTEDXXXX XX/XX/XXXX and XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have had a credit card with this company for several years and have never been late. I have been having problems since XX/XX/2019. I have been told a payment is not due or the payment due is not showing correctly on their website. I have made several attempts to make a payment and have been told several different amounts that contradict the other representative. I spoke with XXXX, XXXX, etc. I eventually returned a call for XXXX, a manager, but have not heard back from her. I have also been notified that my credit report has been negatively affected by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
Over the last 6 months have been trying to get JPM Chase to correct the information they are displaying on my credit report. They are stating XXXX is the loan servicer, JPM is listed on the credit account. Now, This has been transferred to a government entity and payments are current! If was suppose to pay JPM or XXXX then how do I suppose to pay them????
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Please provide detailed information on how this investigation was conducted with the following : 1. Names of people conducted investigation for the information displayed on my credit report 2. Dates, times, and e-mails when these conversations has taken place?
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3. Last date of activity for this account? Which is not displayed on the credit report why??
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4. Explanation on how to can you " MARK ACCOUNT LATE '' when you do n't have control over the account and have not provide a payment method to kept the account current?
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5. Please provide the original documentation sign by XXXX XXXX
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6. Please provide the date and time when the account was transferred from Chase/XXXX to a government servicer.
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7.Please provide the proof and accurate information schedule payments that were missed. This should be displayed by financial statements from your accounts.
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8. If the BALANCE OWE IS XXXX??? HOW CAN YOU BE LATE?
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This does not make sense at all and should be investigated all my accounts are to date and JPM Chase/XXXX is violation of the FCA. From this point I will consultant the attorney that sued XXXX for XXXX XXXX dollars  because they refused to remove inaccurate information of her credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My Mortgage is serviced by XXXX XXXX XXXX Suposedly owned by XXXX XXXX XXXX XXXX as trustee For XXXX XXXX loan trust XX/XX/XXXX-XX/XX/XXXX My loan was originated with Wash Mutual Bank  XXXX in XX/XX/XXXX My loan was sold to XXXX XXXX by WAMU   XX/XX/XXXX Chase purchased WAMU in XX/XX/XXXX from FDIC Chase send letter they are now the " investor '' in the loan ( NONE ) of these transfers are recorded as is Required by law in NJ In XX/XX/XXXX- Chase assigns my loan acting as power of attorney from FDIC according to purchase and assumption agreement that took place in XX/XX/XXXX How do you by a loan from FDIC on XX/XX/XXXX that WAMU  sold on XX/XX/XXXX Chase retained certain documents as loan servicer that it used to perpetrate this fraud Both XXXX   and Chase refuse to prove ownership of my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Consumer Credit Counseling Service of San Francisco
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My husband is a XXXX veteran and XXXX XXXX XXXX civilian. He has severe health issues. We fell on financial burdens after a car accident took his health in XXXX. A person came to our home today, stopped me when I was locking our privacy gate at the end of our driveway. She said she was from the bank. She handed me a letter after exclaiming in a very loud voice if " Does XXXX XXXX lived here?! ''. I said his name has been XXXX XXXX since XXXX. Legally. 

She handed me a letter from this " counseling '' agency of Balance and XXXX XXXX and said in the letter that they work with the mortgage company XXXX and XXXX XXXX exclaiming as loud as she could in front of our neighbors that she knows my husband 's father in front of neighbors that were outside and on social media. Calling him by his former name of his abusive father XXXX XXXX. XXXX legally changed his name to XXXX XXXX in XXXX. 

She claimed she knew his dad and as loud as she could that she went to school with him in front of everyone. She never identified herself by name. Only saying she was from the bank. One neighbor was recording the event on her phone. This took place at the end of our driveway when I was trying to lock our privacy gate. All our neighbors and now his family knows of his financial problems. Our neighbors are very popular on social media and they were recording and listening. She then demanded that she had to take pictures of our home of 20 years because " she had to '', forcing me to unlock the gate and let her in. She not only took one but two or three. She continued to talk about his father as if she was insinuating that she would tell him & his family.

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 2021-02-24
Company: JPMORGAN CHASE & CO.
State: CA
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:
A balance is reporting on my Chase account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off. I have tried to resolve this issue directly with Chase and they have failed to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX accounts # XXXX and # XXXX are reporting debts I do not owe. These debts are past the New Mexico statute of limitations and I do not legally owe these debts. I would like these accounts to be removed off of my credit as I no longer owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, 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:
Hello, I am a victim of Identity Theft and have already reached out to all 3 of the major CRAs as well as XXXX XXXX XXXX. I have also ailed all major CRAs as well as their registered agents they are associated with. I have never entered a consumer transaction with XXXX XXXX XXXX XXXX or XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX, XXXX was not authorized to inquire about my credit in any way. I have no knowledge of who they are. I have contacted them about this matter and asked that the inquiry be removed from my credit report but, I have yet to receive my request. The FDCPA requires a {$1000.00} fine if this unauthorized inquiry is not removed. Various amounts of {$240.00}, {$87.00}, {$980.00}, {$58.00}, {$140.00}, {$240.00}, {$410.00}, {$130.00}, {$320.00}, {$280.00}, {$480.00}, {$590.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I made a SEPA transfer of XXXX Euros to COINBASE on XXXX XXXX, XXXX. Until this day the amount is n't available in my Coinbase account. My bank told me that the transfer has gone through. Coinbase usually has the money available within 2 to 3 working days, which was the case of my previous transfer. For this one, it is taking too long. The phone support line does n't handle money transfer issues, so I used the online " submit a Request '' form at Coinbase 's website to no avail. The details of the request are : " I did a SEPA transfer from a XXXX bank on XXXX XXXX and I still have no available funds on coinbase! I could have doubled this amount by trading by now. Where is my money? 
Case ID : XXXX Updated : XXXX XXXX, XXXX XXXX PST Created : XXXX XXXX, XXXX XXXX PST. " This is preventing me from making some good investments I had in mind and I urgently request help in solving this issue. 


I 'm attaching the transfer details ( One PDF with the summay of the transfer, from my online account, plus the picture of the document that the Bank gave my in paper with all the transfer details along with its translation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Experian Information Solutions Inc.
State: CA
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 complained several times about inaccurate information on my credit report and Experian refuses to delete wrong information. There is address that is inaccurate they refuse to delete it. I want it removed 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 explanation
Consumer complaint received 2017-11-12
Company: Navient Solutions, LLC.
State: AZ
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:
My loan recently transferred to a new serviced XXXX XXXX is first payment ). With my previous servicer, I was sending an extra amount for the last several months to pay down the principal. The new servicer adjusted the payment schedule to require the higher payment every month without asking me. Sent me a letter saying to account for the payment you like paying, weve adjusted your payment schedule. 

By doing this, my extra funds, when I have them, are no longer going towards principal alone. I called on XXXX to ask them to put it back to my original monthly payment. The payment amount listed on all the material they sent me in the transfer, and was told theres nothing they can do. Best they could do is offer me a payment that is {$100.00} higher than my normal payment. Essentially still cutting into how much my extra funds, when i have them, applies towards principal. Navient is shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: EQUIFAX, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax is not allowing consumers to dispute stuff on the report. They are in direct violations of Federal Law. They continue to destroy communities with their Fraudulent behavior. Getting tired of not being able to access our own information. They have it to where you have to pay to dispute inaccurate information on your own credit report. These crooks need stopped for once and all. STOP RIPPING OFF THE AMERICAN PEOPLE > AND ACTUALLY DO THE RIGHT THING

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: BlueChip Financial
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a loan of {$700.00} on XXXX/XXXX/XXXX from XXXX. I have paid 4 payments of {$260.00} since my first payment ( monthly ) on XXXX/XXXX/XXXX. Before my third payment I called to ask the exact amount for payoff of this loan and was told $ 900+ which I could not pay at the time. I assumed after the third payment and the 4th payment my total payoff would be much lower so I called before my 4th payment to ask the payoff amount so that I could get this bill over with and was again told the payoff amount was $ 900+. I have paid {$1000.00} as of my 4th payment on XXXX/XXXX/XXXX. I feel that I have paid my original amount of {$700.00} plus {$350.00} in interest. 

Now, I am beginning to feel scammed because that is enough for a {$700.00} loan. I am a senior of XXXX years old on a fixed income, and this becoming unbearable  for me. I have borrowed from XXXX  before and only paid approx $ 100-200 depending on the amount borrowed, however, I always made the loan off on the first due date, this loan of {$700.00} is the first installment payments I have made. I am scared and know this is wrong, so please help me with this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: EQUIFAX, INC.
State: NC
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 called Equifax to have the hard inquiries removed from my credit bureau and they directed me to the company. I went to the companies and the directed me to Equifax. I was a victim of the Equifax breach and I dont think its fair for the burden of their misuse of my credit information be placed on me the consumer. I have 17 hard inquiries on my credit file that I didnt authorize or dont recognize and I want all of them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: Experian Information Solutions Inc.
State: GA
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 have written letters as well as called each of the bureaus describing the issues I was facing regarding the multiple inquiries. I have letter certified mail receipts of when I attempted to contact XXXX, Experian, and XXXX. I have also called the companies in which the inquiries were made and they were unwilling to help.

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 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
ON XX/XX/2020 XXXX  INCORRECTLY AND FALSELY LOWERED MY CREDIT SCORE AS THE REPORTS DATED XX/XX/2020 SHOWS SCORE 698 AND THE REPORTED DATED XX/XX/2020 SHOWS SCORE DROPPED 6 POINTS.

ATTACHED COPIES OF THE SCORES FOR THE TWO DATES ON XX/XX/2020 I RECEIVED TWO ALERTS AS ATTACHED. 

THE ACCOUNTS HAVE NOT CHANGED BUT XXXX  FRAUDULENTLY LOWED THE SCORE AS THE ACCOUNTS STATUS HAS NOT CHANGED. AS THE ACCOUNT WERE UPDATE. 

XXXX  HAS REPEATABILITY IN THE PAST LOWED MY SCORE WHEN THE ACCOUNT WAS UPDATED WITH THE SAME DATA. 

TRANSUNION AND XXXX  ARE ALSO GUILTY OF THIS FRAUDULENT PRACTICE. 

XXXX  NEEDS TO STOP THIS FRAUDULENT PRACTICE WHEN ACCOUNTS UPDATED AND WHERE THE STATUS HAS NOT CHANGED.

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 2020-02-17
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I've noticed that Synchrony has closed my Rooms to Go account without giving me the chance to dispute it. I received emails on a regular basis and went to go make a purchase this weekend and learned that my account is closed. I have also received notices from Synchrony to inform that they rechecked my credit and have decided to reduce my credit limit without notifying me first to see what the problem is or to see if its something that can easily be fixed. I admit that I may have missed a payment due date a time or two but is that grounds for reducing my credit limit and ruining my credit? I have had a devasting reduction in my credit score and unable to hardly get any credit now. Like I said, I knew that I had missed a payment or two here and there but couldn't figure out how my credit score took such a big hit but now I know why. I feel that Synchrony has taken advantage of me and I don't like this. Unfortunately, they do the financing for 7 or the vendors that I am currently doing business with. I owe balances on each of those cards except Rooms to Go. I am in need of a good mattress but could not get reapproved this past weekend. I have paid off the previous balance a few years ago. I could see me being approved as an issue if I was in default with them. Why does Synchrony get to treat hardworking consumers in this manner?

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 2017-07-07
Company: The Receivable Management Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX To who it may concern ; i have several collection agencys named THE RECEIVABLE MANAGEMENT & XXXX XXXX XXXX. Please be advised that i am disputing these collections due to the fact that the collections agency ( THE RECEIVABLE MANAGEMENT & XXXX XXXX XXXX ) does not currently have a valid license in FLORIDA to collect on debts. I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that THE RECEIVABLE MANAGEMENT & XXXX XXXX XXXX ) are licensed to collect in Florida. Your immediate response will be greatly appreciated.

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