BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi it's XXXX XXXX XXXX XXXX XXXX owner operator Chase Bank the problem is pretty much what you questioned me about within the intake I am not able to handle or manage the account wuthin the fact that the representative are not following or processing or making correct decisions based on the checking account policy and regulations I'm filing claims on every transaction I make I don't have access to all my accounts I have to call to access or switch to link clean it card from one check account to the next and ACH transactions procedures or agreement is not followed ... my investment account is on hold by one of the representative which happened in the past when I was in XXXX XXXX..ok my primary office is in XXXX California where I do mist of my primary broker work broker # non-disclosed XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: NY
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:
MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this account is not mine. Portfolio recovery A # XXXX I have retain attorney and this will be my last communication with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I paid off my mortgage to Dovenmuehle on XX/XX/2020. I have {$210.00} on my escrow account that must be sent back to me. As of today, XX/XX/2020, Dovenmuehle hasn't sent me my money back. It has been 40 days since the payoff date Dovenmuehle is not helping its customers. There is no customer service. When I call the customer service line, there is an average of 45 min wait time until I speak with someone. Sometimes, they hang up on me. When I explain the situation, they will open a case with their research department and send a mail to notify me. However, they won't send the money back. 

I came across similar posts from other account holders. It is obvious that Dovenmuehle is keeping escrow balances that are due to customers as long as possible. Sometimes, I probably never pay. 

PS : Attached document shows a response to my earlier complaint I had with Dovenmuehle. In this document, you can see the following Dovenmuehle statement in the last paragraph : " There is an escrow balance of {$210.00}. Our procedure for disbursing escrow funds from a borrower 's account after payment in full is to wait fifteen days from the payoff date to ensure the payoff funds have cleared. Your payoff date was XX/XX/2020. As such, we will disburse your remaining escrow funds directly to you in the form of a check through USPS mail. This check will be sent to the mailing address on file at the time of payoff. '' There is no excuse that this check hasn't been sent yet. Please investigate other Dovenmuehle accounts. You will see that they keep escrow money much longer than necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2020 two separate unauthorized charges of {$4000.00} and {$840.00} plus an additional {$140.00} for foreign exchange fees were deducted from Citizens Bank account. These charges were from a website based in XXXX and a store based in XXXX respectively. That same day I went to my email from the bank and clicked on the option that " one or more of these charges are not authorized '' and then contacted the bank immediately after to file a fraud complaint and was assured that it would be handled and I would not be responsible for the unauthorized charges. I received a case number and was told it shouldn't take more than 7 to 10 business to have the money credited back to my account even though the actual investigation may take months. I received a new debit card and decreased the amount allowed to be charged in a day. XX/XX/2020 I received 2 letters dated XX/XX/2020 stating that there was no error and the money was not posted to my account and they would not be crediting my account back the money that was stolen. I have never shopped at any of these locations and based on my history my spending is done with a few trusted places that I have used frequently and for much smaller amounts. Since then I have not used my card for fear that another theft will happen and my bank will not do anything to help/protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
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: Their investigation did not fix an error on your report

Complaint:
I just got notified of your updates. Extreme inaccurate information on continues to report inaccurate information on my credit report. Three credit bureaus reporting different information. How can there be different information on ONE account???? And original date after 30 years of original day of indebtedness changed from XXXX to now XXXX! I NEVER opened a student loan in XXXX let alone for that amount. 
This is NOT a duplicate Complaint!!! This is on response to your lack of accuracy in your recent update on my credit report. Robots are ruining our lives Inaccurate balances, it's closed therefore should not say balance, monthly payment, past due amount, should not be multiple accounts diliquency remarks are wrong. The closed date is wrong from orginal closed date decades ago. And orginal day of debtness from orginal day of debt in XXXX it shown to begin with from orginal information I saw. It keeps changing in the last four months. 

This as shown says 100 % paid student loan of {$27000.00} etc which you should show on your records!! See attached.

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 2021-12-07
Company: Credit Corp Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has sold an alleged debt in my name to Credit Corp Solutions in attempt XXXX  collect a debt they have already charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX reports a 30 day late payment in XX/XX/2020 for credit card # XXXX. This account was not late and given a deferment due to COVID-19 and was paid in full the following month. During the deferment the account payment was supposed to be set to zero and not reported as late or negative to the credit bureaus.I contacted XXXX XXXX and was instructed that the information was incorrect and to contact the credit unions to dispute. XXXX  completed an investigation but did not update the incorrect information.

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 2020-07-07
Company: Experian Information Solutions Inc.
State: MO
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:
1 ) On XX/XX/XXXX XXXX XXXX ran my credit causing an inquiry on my consumer credit file with Experian. This was a violation of the rules concerning when it is legal to pull a credit report, as XXXX XXXX  sold the account to a collection agency on XX/XX/XXXX. As you can see they pulled it more than a year after they sold it to someone else. In addition I am attaching a letter I recieved from them as a result of filing a dispute. The letter indicates that XXXX XXXX   no longer has anything to do with the account. 

XXXX ) Account Resolution Service collects deficiency balances for XXXX XXXX XXXX, who finances for XXXX and is owned by XXXX. I voluntarily surrendered a car to XXXX and they subsequently sold the vehicle. They violated Florida law when they sold the vehicle without notifying me of the date, time and place of the intended sale at least 10 days prior to the sale. I am attaching the Florida Statute which is underlined and highlighted in the section that requires XXXX to notify me. 

Both have been disputed with Experian, and both remain on my credit file. By accepting the file from XXXX XXXX XXXX Experian has compounded the damage done to my credit, with an illegal action that caused the delinquency balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. In addition Transunion, XXXX, and XXXX has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since Transunion, XXXX, and XXXX has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.

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 2023-02-09
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:
Source, XXXX XXXX Account # XXXX This company is in violation of my rights and this account should be removed immediately 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. 

The following alleged collection account is listed as having a PAST DUE BALANCE of XXXX XXXXXXXX This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. According to the Fair credit Reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate.

This account was removed from my credit report and put back on according to 15 Us code 1681i subsections ( 5 ) ( b ) ( I ) If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Also ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: General Motors Financial Company, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted GM Finance in regards a debt that should not be pending. Their response is it didn't go through to be removed from your credit report. We will contact our department to get it removed and I should receive documents in the mail. However its been pending for a few years and is actually showing debt being paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The complaint is against Experian Credit reporting company, I have disputed the account with these people numerous times to no avail. The account XXXX XXXX XXXX  was opened in XXXX and I was working in the State of XXXX and have had my personal info hacked thru the U.S. Government who monitors my credit. 

Also this is in violation of Nevada Revised Statutes of which I am a resident of.

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 2020-05-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
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:
On XX/XX/XXXX, I made a {$1000.00} payment on the USAA app towards my credit card balance. USAA drafted the funds out of my XXXX XXXX XXXX checking account but never applied the payment towards my credit card. I reached out to them a couple of time and finally on XX/XX/XXXX, a work item was established by them to review my complaint. On XX/XX/XXXX they sent a letter asking me to get a copy of the ETF form from the bank and a copy of the cleared check. XXXX XXXX XXXX does not keep etf data past three months and no paper check was ever generated since USAA sent an electronic request for the funds. I sent USAA a copy of my bank statement showing the internet payment to them. On XX/XX/XXXX, USAA sent me a letter stating that a billing error did not occur and no further action would be taken. On XX/XX/XXXX, I spoke with XXXX at USAA and we went around several times regarding my inability to provide electronic records of a payment initiated on their app. Finally I asked to speak to someone else and was then transferred to XXXX in Executive Relations Team. He told me that without an etf form from the bank they could not help me and my bank statement was not adequate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX just started reporting to my equifax credit report from an account that was allegedly opened 10 years ago. I do not recall ever having an account with XXXX XXXX. If there was an account opened under my name at that time, this still can not continue to report on my credit report after 7 years as this is a direct violation of my rights under the XXXX  and XXXX. I did call them numerous times and they refused to give me any information on this account, refused to let me speak to a manager then hung up on me. I want this REMOVED from my credit report or I will file a lawsuit with XXXX XXXX ( who is currently in a class action suit for fraud ) and Equifax for continuing to report inaccurate information. I appreciate your fast and diligent attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: AFNI INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a out a latter to XXXX and XXXX about a debt that is inaccurate. And I gave them 30 days to reply and they have not yet responded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Klima, Peters & Daly, P.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX never contacted me regarding the accounts they had just reported to my credit history on XX/XX/2021. Instead, they hired an attorney by Klima, peters, and daly to sue me in the Virginia general district court for the amount of XXXX the warrant of debt was sent to the wrong address, the only reason I got that mail notice was because the mailman recognizes my name on the envelopes. the Klima peters daly law firm sent a notice for debt settlement 10 days afters they already file the suit. these tactics are unethical, the customer so suppose to be notified of such actions before filing and as the settlement notice states i had 21 days to settle. even though XXXX  never contacted me regarding these accounts, and XXXX also had access to my credit report that has my current address and number. this is was crooked actions. 

note ; the statements they gave the court clearly show my current address so they intentionally wanted for me to miss the court date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me. I NEVER AUTHORIZED such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I called Transunion and explained to the representative I did not authorize these transactions, and I could not get any assistance from the creditor. Everyone seem to be giving me the run around. I understand that Transunion inadvertently removed inquiries from a number of reports and re-inserted the information. I called and explained that I didn't do this, and I was told I was not a victim ; however I believe I am a victim of their mistake, and therefor I want to file a complaint, and maybe get some assistance. Thank you in advance. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2019

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: 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:
The account named XXXX XXXX XXXX XXXX is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. Therefore this account should be deleted completely 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