BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-02
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
In reference to the listed accounts : XXXX  XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
I requested the Description of the investigation into these accounts on XXXX. According to section 611 ( A ) ( 7 ), XXXX  was required to provide this information within 15 days of requested. They have not done so and is violating my rights to obtain a Description of their investigation. I have tried several times to get this information and they seems to refuse to provide it.

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 2020-08-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received a statement about my savings account, opened as a student savings account, from Chase by mail in XX/XX/2020. I visited Chase Bank ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) to make a withdrawal and a banker told me the original custodian of the account, my mother, would need to be present for them to perform my requested action. 

My mother and I visited Chase Bank ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) on XX/XX/2020 to make a withdrawal from my savings account, and a banker told us to call Chases customer service number to reactivate the dormant account. On the same day, we visited a different Chase Bank ( XXXX XXXX XXXX, XXXX, TX XXXX ) for a second opinion, and the representative told us the same thing : call customer service to reactivate the dormant student account ; only after doing that, they could make the requested withdrawal. 

I called Chase customer services personal banking support on XX/XX/2020 to reactivate my dormant account and the representative redirected me to their loss prevention department. I requested the loss prevention representative reactivate the dormant account and he told me that I would have to go to a Chase branch. I told him I had already visited Chase and he said that is the only option I have. I asked him if there was any way to escalate the situation because theres an issue : the bank told me to call customer service and customer service told me to call the bank, and he once again referred me to a Chase branch after acknowledging my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Champion Mortgage refuses to process any of the documents we have submitted, we have on multiple occasions sent in residency verification letters, authorization letters, copies of our insurance and they continually deny receiving the paperwork. I have been placed on hold for very long periods of time and can not get anywhere with them. They are negligently and purposely not processing paperwork in order to have an excuse to foreclose. They have now begun foreclosure proceedings due to non occupancy and an incorrect insurance and taxes balance because of their negligent actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Honestly I think this a problem caused by both the credit reporting bureaus and XXXX XXXX the mortgage company reporting to them I have tried to fix the problem with all of 3 credit bureaus and the mortgage company. I am literally in the middle of a new home purchase, In doing so I got credit reports in preparation to apply for financing. I found XXXX   XXXX XXXX mistakenly reported my mortgage, which they serviced from XX/XX/XXXX to roughly XX/XX/XXXX as delinquent XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I reached out to XXXX XXXXXX/XX/XXXX with more than 15 pages of documentation..SEE ATTACHED XXXX  Letter Dated XX/XX/XXXX here, confirming they MISTAKENLY reported my loan delinquent in error forXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand would be correcting with credit bureaus "this month" (implying XX/XX/XXXX) I contacted credit reporting bureaus immediately - XXXX, XXXX, Equifax. I was told that even though I had a letter from XXXX that no correction or update on this could be made unless and until received DIRECTLY from XXXX   XXXX. I wen back to XXXX XXXX many many times, by phone, fax and email. I learned eventually XXXX  submits to the credit bureau. Eventually I was told XXXX  had submitted tot he credit reporting bureaus XX/XX/XXXX, then changed to XX/XX/XXXX. I have contacted credit reporting agencies almost daily all say they have not received anything from XXXX and XXXX keeps insisting they have submitted the correction and that "there is nothing more we can do." In turn the credit reporting bureaus keep sending back to XXXX   saying they have no record of the correction and removal of these mistaken delinquencies. In desperation I finally submitted the XXXX letter directly to the credit bureaus. Then was told If they hear nothing from XXXX  in 30 days matter will be resolved in my favor. By then I will have lost my attempt to apply for financing and my real estate purchase. Decisions on whether to approve a consumer for a loan application and at what interest rate and for what term all hinge on credit reports which for me currently reflect, in error, a major mortgage delinquency with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian has reported me deceased.

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 2020-05-15
Company: Experian Information Solutions 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX   XXXX {$500.00} XXXX  XXXX {$500.00} XXXX   XXXX XXXX XXXX {$870.00} COLLECTIONS XXXX {$350.00} XXXX XXXX {$560.00}

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 2020-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I lost my job at the beginning of XX/XX/2020 due to the COVID 19. I called my credit card company Capital One. I was advised that when I made my payment by the next due date they would waive the XX/XX/2020 late charge. I made my payment of {$85.00} on XX/XX/XXXX. I advised that I was still unemployed and that I was struggling with unemployment. The rep advised to please keep them updated. I'm still struggling in XXXX and still can't find a job and still fighting with unemployment. I tried calling 2 different times and waited on hold for over 2 hours with no one picking up and then was disconnected. Today XX/XX/2020 I went online to make my payment due XX/XX/2020 and there are 2 late charges the one from XX/XX/2020 still and now the XX/XX/2020 payment. I called and spoke to a female rep and she advised there is nothing she can do. My Mom called back and spoke to a gentleman and he has waived the XX/XX/2020 late charge. My Mom asked about the XX/XX/2020 payment as still a victim of the COVID 19 and I haven't found a job yet. Per the Capital One website they say if you are a victim of COVID 19 and facing financial hardship they are their for you. Well today they made is VERY clear that they are not and their reps can lie to customers and apparently that is okay. Not cool to take advatange of the situation and they should have to update the website and indicate - Sorry we can't do anything for you! Very upset that I was treated this way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX   XXXX {$500.00} XXXX  XXXX {$500.00} XXXX   XXXX XXXX  XXXX {$870.00} COLLECTIONS XXXX {$350.00} XXXX XXXX {$560.00}

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 2019-10-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/19 we filed an unauthorized and fraudulent telephone transfer of {$11000.00} ( posted on XX/XX/XXXX ) from our Chase Savings Account to one of our checking accounts and then immediately therafter 4 unauthorized and fraudulent transfers ( accounts only identified by last 4 digits, which are not ours, but are Chase accounts ) from our Chase checking account totaling {$18000.00} ( {$4600.00}, {$4500.00}, {$4500.00} and {$4300.00} ) these transactions also indicate transfer via misc debit. All correspondence and paperwork was filed at the Chase Branch XXXX XXXX XXXX, XXXX NJ, XXXX. We informed the Branch Manager that we never do telephone transfers, we did not benefit from the transfers and we were in XXXX Texas when these transactions took place. Initially Chase filed this as a Reg. E claim and as a result the provisional credit to us is due today. However we were out the Branch speaking with Branch Manager today XXXX and was informed that Chase will not be providing us the credit today as they have not completed their investigation. I informed that they were not in compliance with Reg. E, in addition, they can not deny my claim of fraud as the 4 transfers were not into an account I benefited from. In addition, I was told that there is no one I can speak directly to Chase to call me. Meanwhile we do not have access to our {$18000.00} that was misapplied by Chase, as well as no one to contact at Chase for further explanation or clarification. I am appalled that I have to " wait '' for my own money and that as a consumer can not get the answers I deserve. The {$18000.00} should be credited immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-04
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: Information belongs to someone else

Complaint:
These are not my accounts, nor did I authorize these companies to pull my credit. Please remove them.

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 2021-10-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Where in ARS letter does it meets the requirements of both the FDCPA and FCRA? Because I see over 10 violations. Ive gave ARS 3 cease and desist letters and ARS still violated it by sending me mail. Thats mail fraud as well. Not to mention, ARS violated 15 usc 1692g by not providing ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification judgment will be mailed to the consumer by the debt collector ; and a ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ARS hasnt validated nor verified anything. I do not owe ARS anything nor am I paying ARS a dime. Where is the alleged contract between ARS and I? The exhibit, which is a piece of paper, only have some random names and numbers on it. I dont know ARS nor any other company. No evidence or proof I owe this alleged debt. ARS are violating my private protected federal consumer rights by accusing me of owing an alleged debt. ARS believes a piece of paper with words and names on it is validation. My consumer report as well as I, have been damaged so I am seeking monetary relief. I expect my check in the mail for the violations pursuant to FDCPA 15 USC 1692k civil liability.

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 2019-08-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed for bankruptcy chapter XXXX on XX/XX/2018 my attorney included all my debt I was told that I could reaffirm my auto loan with XXXX XXXX XXXX XXXX  I contacted XXXX & I was told I would be contacted by there BK dept in reference to my reaffirmation I was told within 30 days, 30 days 60 days 90 days past no response during this time I was in bankruptcy till my case was discharged on XX/XX/2018 no payments were made on my truck during that period & no credit reporting was made from XX/XX/XXXX thru XX/XX/XXXX. After my discharge was received I asked my attorney what I was too do with my vehicle loan he said begin making your payments so I did I made all my payments on time monthly after my discharge in XX/XX/2018 I was told I was 4 months past due that during my bankruptcy I was too continue making payments well I was not informed nor notified of this from anyone! I paid XXXX  $XXXX in payments in XX/XX/2018 to satisfy the account yet the reported my account as derogatory late more than 90 days when I was in bankruptcy

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 2021-04-25
Company: Diverse Funding Associates LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with DNF ASSOCIATES, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. There is a issue never had any notice no paperwork as to the transfer of title of ownership, who is this third party collections agency. Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?

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 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to get my son a new vehicle because it broke down. My salesman told me that I would be eligible, but with a very high interest rate due to credit. I then asked to see my report and realized there were things on my credit I have never see. These items need to be removed as soon as possible. XXXX XXXX   XXXX {$79.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$59.00}

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX/XXXX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

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 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of and this simply is NOT fair. Section 511 ( a ) it clearly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them ASAP. I demand these accounts be deleted immediately or I will be forced to take action with the FTC. This has been truly stressful. My information was also impacted by the XXXX  data breach and may have somehow gotten into the wrong hands. No matter what I need them to remove these inaccurate things 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 2018-07-14
Company: MONEY SOURCE, INC., THE
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Money Source has locked us out of online payments and requires payment by money order, XXXX XXXX ( their site states they don't accept Money Source Payments ) or certified checks. 
The reason they say is because there were two NSF bounce backs. ( The paycheck deposit is the XXXX ; the bank withdrawal is the XXXX ) and, so the two were not lining up. 

My complaint is that there was no advance notification that online payments would no longer be accepted so consequently we will have a late on our credit report as payment could not be made online and we had to rush to get payment out via overnight. The customer service staff said there is no policy in place to address the lock out from online payments nor is there an appeal process. They said it is a system lock out. 

So, for the next six months we are required to make payments via certified check and put it in the mail. How is this helpful? It just builds customer animosity. 

How is this helpful to the consumer? Why aren't they required to provide advance notice to the customer? Why aren't they required to have a policy in place to notify the customer, provide advance warning, and provide for an appeals process?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation