BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-23
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
whatever company this is has been calling my cell phone repeatedly since XX/XX/XXXX since XXXX/XXXX   XXXX, they constantly call, pretend to leave a voice mail ( with no message ) and continue to argue with me that I am a person called " XXXX or XXXX '' so I assume this may be a debt collector. I have repeatedly called them numerious times and told them I am not XXXX or XXXX and to take me off their callling list. They continue to call me numerious times a day and when I call back they put me on hold or hang up on me and when I ask to speak to a supervisor they put me on hold for a long time, hang up on me or argue with me. I am ready to pull my hair out. In the last two weeks I have had at least 30 to 40 calls and when I finally get someone to answer my call and demand that they take me off their list to call they say that I need to wait 24 or 48 hours and to " give them a chance '' which is the same story they have been giving me for 2 months now. I can not believe that a company can be so RUDE and abusive!

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 2020-10-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a Chase checking and savings account package on XX/XX/XXXX and transferred {$15000.00} into the savings account next day. A few days later, Chase closed both accounts and held my fund. In order to release my own money to me again, I was instructed to visit a Chase branch during the pandemic with two forms of identification. 

The whole thing feels like a scam now and the process is just plain ridiculous. Why would a bank open accounts for you and accept your money, only a few days later, claiming they couldn't verify your identity and hold your money? If it's really to protect the customers, why don't you ask for verification before opening the account and why would you ask customers to go to a branch during a pandemic? Not to mention I already have a few Chase credit cards and have been a Chase customer for years - why suddenly my identity becomes a problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Halsted Financial Services, LLC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called today with the name of XXXX XXXX at XXXX at XXXX XXXX I answered they hung up I called them back and the XXXX lady started trying to get me to give my personnel info to her before i could find out who she was and who she reprrnted. She finally said halstd financial in XXXX Il. then I asked in what is in reference too and she stated it was a bout a XXXX credit card and wanted me to pay in full today. I told her to send me somethng in writin gto valid the debt and she hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On Sunday, XX/XX/XXXX, Transunion XXXX XXXX XXXX, at the behest of XXXX XXXX XXXX, and in turn screening on behalf XXXX XXXX XXXX, fraudulently claimed to have run a background, credit, and civil judgment check on myself ( XXXX XXXX XXXX ) and my roommate ( XXXX XXXX XXXX ). This background check could not possibly have actually been made, because the result they obtained, and published to me, included a civil judgment against mefor {$5000.00} by XXXX XXXX XXXX XXXX which no longer exists. Any search of XXXX XXXX Illinois court records would subsequent to XX/XX/XXXX would have fail to show this case. In an XXXX action, XXXX XXXX XXXX XXXX ordered that XXXX judgment vacated and the record sealed, which was reflected in the record shortly thereafter. My examinations of the records as of XX/XX/XXXX confirmed this, as did XXXX, a clerk in the Circuit Court records office in an in-person visit that day. The Cook County Clerk can confirm this to you, as well. Logically, therefore, the only way that Transunion, and thus XXXX, and in turn XXXX, could have displayed such a judgment is to have re-copied a report run some time previously. The credit check charge was {$130.00}, plus a {$400.00} administrative fee which I was told would be refunded " immediately '', but now am told may take up to a month. This fraudulently-represented non-report has been costing me more than {$240.00} per day in time lost from work combined with continuing temporary housing expense. They have defamed my character. Several properties would like to rent to me now, based on no criminal history and adequate credit scores, but can not until such time as this situation is rectified. Both XXXX and Transunion and XXXX have the documents from me proving that this {$5000.00} settlement no longer exists, but do not as yet have an end date to remedy this. But meanwhile, I am technically homeless, my XXXX XXXX job made difficult, and XXXX 's fragile health is threatened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30
Company: EQUIFAX, 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 am a victim of identity theft and have been trying to get these unauthorized inquires off of my credit. I called, I have sent in letters and I have tried reaching out to the credit bureaus to have these unauthorized items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge inaccurate accounts on my Equifax credit report. FTC ID Theft report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2018 Porfolio Recovery called my work. Not appropriate! They constantly call and harass me on my cell phone as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11
Company: EQUIFAX, INC.
State: NJ
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 creditor has illegally re-aged my accounts and the creditor and CRAs have failed to rectify the problem after multiple requests and a previously filed complaint with the CFPB and NCUA. 

The accounts appear to have been charged off in XX/XX/XXXX, first delinquency reported as of XX/XX/XXXX. However, the credit card account then begins to show as if it was being paid again from XX/XX/XXXX to XX/XX/XXXX and then resets to 30 days delinquent in XX/XX/XXXX then charged off again in XX/XX/XXXX. The one that was finally fixed ( XXXX ) shows that it will be removed as of XX/XX/XXXX, the other ( XXXX ) now reflects that it will be reported until XX/XX/XXXX, meaning the date of first delinquency was reset. 

These accounts have been illegally re-aged and should be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 creditor has illegally re-aged my accounts and the creditor and CRAs have failed to rectify the problem after multiple requests and a previously filed complaint with the CFPB and NCUA. 

The accounts appear to have been charged off in XX/XX/XXXX, first delinquency reported as of XX/XX/XXXX. However, the credit card account then begins to show as if it was being paid again from XX/XX/XXXX to XX/XX/XXXX and then resets to 30 days delinquent in XX/XX/XXXX then charged off again in XX/XX/XXXX. The one that was finally fixed ( XXXX ) shows that it will be removed as of XX/XX/XXXX, the other ( XXXX ) now reflects that it will be reported until XX/XX/XXXX, meaning the date of first delinquency was reset. 

These accounts have been illegally re-aged and should be immediately removed 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 2018-09-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX I applied for and received a GE Money Bank Credit Card with the understanding that I would start payment in 6 months but billing started immediately. I tried unsuccessfully to change the terms with GE Money Bank based on what I felt was a BAIT & SWITCH Scheme. GE Money Bank did not agree but they stopped billing me. The item was placed in collections and has since been on my credit report. AT THAT TIME I WAS UNAWARE THAT IT COULD HAVE BEEN DISPUTED. I eventually disputed it in XXXX and was informed that it would be in XX/XX/XXXX but GE Money Bank sold the account to XXXX XXXX and created what appears to be a recent collections item. XXXX XXXX has placed the item on my credit report, significantly reducing my credit score by 26 points for a debt that is over 7 years old and one that they have not yet billed me for. I have disputed the matter with XXXX and XXXX XXXX and they both confirmed that the debt would be removed in XXXX but I believe because of the mitigating circumstances, it should be removed immediately. Thank you for your consideration in helping me resolve this matter.

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 2023-02-17
Company: EQUIFAX, INC.
State: DE
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:
My Account with XXXX XXXX should not be reporting any negative information. PENDING LEGAL LITIGATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In 2012, I obtained a loan from US Bank to purchase a new boat. I have made regular payments over the life of the loan, and several years ago I started making principal only payments. I received monthly statements which indicated the principal balance outstanding, which I was steadily working down to the point this summer where the loan should have been paid off. My monthly statements for the past couple of years have always reflected " interest due '' of XXXX. When I got to within a couple of thousand dollars of having the principal paid in full, the bank claimed for the first time that there were thousands of dollars owed in interest. My monthly statements never reflected this. I requested a loan reconciliation/history of payments, which also shed no light on the interest now supposedly due. The explanation I received on the phone was incomprehensible, and I was assured there were no errors. Every time I call, there is a material difference in the sum they now claim to be the payoff amount. The bank has failed to disclose material information, and I have no confidence whatsoever in the accuracy or honesty of the amount they now claim is due.

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 2018-09-11
Company: Riverwalk Financial CORPORATION
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Riverwalk called me to offer help lowering my student loan repayments however they did not explain the fee will apply. Instead they declared the money will go toward my loan repayments considering giving a fault statement. I did not want to pay fee to lowering my loan because it can be done free through fafsa.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-11
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX  XXXX. for breach of warranty under the Uniform Commercial Code.

Final measure in a long term probate case which involved a check written to the estate that was mishandled ; received and deposited into a personal checking bank account instead of an estate bank account. 

Check written XX/XX/2017 to the Estate of XXXX XXXX XXXX deceased in the amount of {$15000.00}. It was received by XXXX XXXX XX/XX/2017 and deposited into a personal checking account.

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 2021-08-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, you close a complaint # XXXX - XXXX Here my answer for the bank : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I received your letter that disrespect you are a lying bank. The denial of the secured credit card, according to his staff, " was part of a process they do, first they deny it and then they approve it '', that's what XXXX told me, after that excuse, XXXX said and write me : " it had been a mistake ''. 

I have everything in writing. Your answer for me is : " If you don't like it, close the account '' HSBC should be respect the users, you sold me a lie. You offer me : " if I opened the account they gave me the secured card '' The truth was you denied it, that's the point. 

I do not share your lying answer. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- CFPB - How can they close a case when the bank lied and nothing happens about it? What is the protection from you?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF EDUCATION/XXXX, XXXX   XXXX XXXX, XXXX XXXX Company Inquiries : 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 2018-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 have Multiple inquiries on my credit account that i did not personally apply for, i have gone through a credit repair service as well as reached out to these companies myself and was unable to get anything to change

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 2021-11-27
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification after my forbearance plan was over. I lost my job in XXXX of XXXX due to Covid. I didn't make payments for 18 months. Now I can make the regular monthly payments as I fortunately found a job in XXXX of XXXX. However, I can't pay the entire amount I owe. I would like the missed payments to be deferred to the end of my loan, loan deferral. My lender has just told me over the phone, today, that I don't qualify for a modification or as a matter of fact other options. My only option would be either to increase my salary, reduce my spending, or sell the house or I will take risk of it being foreclosed.

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 2021-08-12
Company: CORELOGIC 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I sent a letter to Credco requesting a copy of any and all documentation with my signature/authorization for them to pull my credit as their business is listing on my credit report as an inquiry XX/XX/XXXX. On XXXX XXXX I received a response to please fax over my SSN for them to verify. I called a representative at Credco on XX/XX/XXXX by the name of XXXX who explained they would not be able to remove such inquiry and was not able to provide any documentation bearing my signature. I then informed her I would move forward & file a complaint for immediately removal

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 2020-07-03
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Keep reporting to credit scores on an account that not to be paid until 2021 which keeps bringing down my score, which I have been trying to improve for years. I have tried to talk with them NO corrections

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This was a secured credit card for {$3000.00} dollars and every time I used the card I made sure my payment were made on time through their online payment methods that were provided by the credit card company, however on three different occasions the credit card claim they did not receive the payment or didn't received it on time. After the third time the credit card company made the exact same mistake, I decided to close the secured account of {$3000.00} dollars and take my business else where. The credit card has since charged off the account with an outstanding balance of {$160.00} dollars which is completely not true and I have made several attempts to resolve this issue with the credit card company and through the credit bureaus to no avail. This is severely hurting my credit.

Company response to consumer: Closed with explanation