BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-13
Company: JPMORGAN CHASE & CO.
State: VA
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:
To whom it may concern, My name is XXXX XXXX XXXX I was under forbearance due to covid-19 for my property I reside at XXXX XXXX XXXX  XXXX, XXXX, Va,XXXX.I was going under my house refinance when I learn that my credit showing 3 late payments from JP Morgan Chase I called JP Morgan Chase which share my loan real estate home equity after I find out I have late payments showing on my credit and why I was not inform about when to start making my normal payments after searched agent came back on line and mention we had wrong address in file however its still reported late and we cant take that off from your credit until its paid in full which I made full payment right away and within time frame I was given I went back to my auto pay setup for monthly payment will be draw from my account automatically .I called back and ask the chase why its still showing on my credit late payment when I made the full payment and they were the one had wrong address in file sending the communication to the wrong address in first place it wasn't non disclose to me at any point of time without any proper communication in stead agent spoke rudely and I had wait on hold 1hr 47 min then call was disconnected. I had to call back again this time I was connected to XXXX XXXX his ext XXXX he took my concern and called me back week after chase has denied my reporting .As a fair resolution to this situation all I am asking to remove those late payments reporting from my credit in all fairness it was right after the covid happen I have always made my payment on time even after I find out I made full payment and went back to auto pay chase failed to disclosed the communication to me about my account not having correct address I am not asking a lot please look in to this matter I have a family I have been supporting all along in covid and still ensure all my payment are made on time I have been working all this time as an essential worker to help people and still ensure I wont loss my house I just need help and clear this misunderstanding as I am getting refinance this mortgage to pay chase remaining home equity is one of the reason to get refinance. 

Sincerely Thanks Name : XXXX XXXX XXXX Cell : XXXX Chase account # XXXX Property address XXXXXXXX XXXX XXXX XXXX, XXXX XXXX VA,XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 I attempted to transfer {$10000.00} from my bank account with Citizens Bank to an account I have with XXXX XXXX XXXX XXXX XXXX. I went through the process of verifying my AAFCU account with Citizens Bank, but my transfer was flagged as possible fraud, the transfer cancelled and my account frozen. After multiple attempts to get it unfrozen, I was able to clear the matter up with a Citizens representative over the phone on XX/XX/. I was told to initiate another transfer, and that there would be no issues on the next one. I proceeded to initiate another transfer of the same {$10000.00}. After several days of it not appearing in my XXXX  account, I contacted Citizens Bank again regarding the transfer. I went into a local branch and dealt directly with a representative. He called the banks transfer department and was told over the phone that Citizens had definitely transferred the money and that XXXX must be holding it. I contacted XXXX and they said they had no record whatsoever of any transfer for any amount from Citizens Bank. Today I spent over an hour on hold to finally speak to someone at Citizens, who finally admitted that some mistakes were made but still made the claim that Citizens had attempted to send the {$10000.00} to XXXX, but that my credit union didn't verify that the account belonged to me so they wouldn't allow the credit union to accept the funds. The representative claimed that once they put a hold on the {$10000.00} until XXXX verified I owned the account I was sending money into, even though I had verified it before I was even allowed to attempt to transfer money. Then something timed out and they froze my account so they were " unable '' to return my money. They said that they're going to try returning the money now, but it's going to take several days to appear back into my account and there is nothing they can do about it. This seems insane, since they never actually sent and money in the first place. They've been holding {$10000.00} of my money and have not allowed me access to it for almost 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Sarma
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX supposedly I owe them XXXX $ and decided to send it to collector debt ( Sarma collection Inc ). 
I was patient at XXXXXXXX XXXX  and you have to pay the deductible before they start treating you, and we agreed about the the payment in advance and i paid my deductible in advance then my dental insurance will pay the rest, later on they decided to charge me extra because I decided to go to another company. I don't know they think they can charge me extra if I change XXXX I paid them all my parts and they need to stop bothering me. 
thank you

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 2023-02-27
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX. XXXX  XXXX XXXX XXXX has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25
Company: Caliber Home Loans, Inc.
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Caliber Home Loans Foreclosed On Me and My Wife XXXX, XXXX XXXX They Won the Foreclosure!! However We Won a Judgement of XXXX Dollars Against XXXX XXXX XXXX Which was Our Credit Life and Disability Insurance Provider and as I Became XXXX They Denied My Claims But in Court They Lost Which Honorable Judge XXXX XXXX Awarded Me XXXX Calibers Attorney XXXX XXXX from XXXX, XXXX and XXXX XXXX XXXX in XXXX Ohio Agreed to a Stay UNTIL My Award was Collected and I Have Been Receiving Harrasing Phone Calls Morning Noon and Night I Have Asked Them to STOP Told Them The Attorneys Names and Numbers to Contact Them and They Continue to Harass Me and My Wife All Hours of the Night and Day if Something Dont STOP THEM I WILL Once and For All!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: EQUIFAX, 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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit reporting 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:
looking through my credit report i saw that wellsfargodealersvcs gained unauthorized access to my credit report on XX/XX/2023 this cause a dent on my credit report. this is a violation 15usc1681n

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 2023-06-06
Company: EQUIFAX, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$2300.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX CPS Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXXnquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX ; ; XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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: Reporting company used your report improperly

Complaint:
As I know and as you, Experian, should know that pursuant to 15 USC 1681 ( b ) ( Permissible Purposes ) as well as the FCRA section 604 ( a ) ( 3 ), you are in violation, by allowing multiple 3rd parties to access my private and personal information. This has not only damaged my personal but my family and household as well. By allowing my report to be viewed by MANY without my direct authorization is an invasion of my privacy as well as being illegal! I have made NUMEROUS attempts to have them removed to NO avail. TODAY, The remedy that I seek for your violations is deletion of all soft inquiries and {$5000.00} payable to myself. However, I am willing to negotiate. If I do not receive remedy or counter, from this notice within 5 calendar days, I am ready to file documents in small claims court. 

Notice to agent is notice to principal, notice to principle is notice to agent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

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 2017-10-04
Company: ENCORE CAPITAL GROUP INC.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received mail from Midland Funding LLC about an alleged debt owed. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account # XXXX ( Please note : XXXX omitted account 's last four digits for security reasons ]. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), I sent via certified mail [ Mailed XX/XX/XXXX ; received XX/XX/XXXX ] a request to Midland Funding LLC to provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Maine ; and 4. proof of the last payment made on the account. Midland Funding LLC has contravened its 809 ( b ) statutory requirement to sufficiently validate the debt. Furthermore, in the event XXXX can sufficiently meet its 809 ( b ) statutory requirement to validate the debt, debts older than seven years are inoperative by positive state and federal law ( e.g. debt older than seven years and must be removed pursuant to the Fair Credit Reporting Act ; Maine & Massachusetts statute of limitations bar attempts to collect debts older than six years ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My wife XXXX XXXX had her email and accounts hacked. She alerted credit agencies as well as XXXX XXXX XXXX Bank to flag and stop any fraudulent charges. 
Over an approx 6 day period XXXX XXXX fraudulent transactions totaling approx {$1800.00} were taken from our checking account. We notified both XXXX and XXXX XXXX. Both did an incomplete investigation. 
Several of the transactions note XXXX to XXXX, however she did not do this. XXXX XXXX used this as a basis to deny. XXXX then called cash App, without doing an investigation, said they denied our claim, XXXX XXXX denied our claim. 
We requested from XXXX XXXX the following several times but have not received anything. In fact when we call XXXX XXXX and my wife speaks to a claim rep, they ask if we travelled to a different state or location. Indicative of them seeing inconsistencies in our locations vs the transactions. 
Here is what we requested : All items used to deny our claim ; including, but not limited to : IP addresses of both sides of transactions ; locations including addresses of transactions ; signatures ; locations of atms and accounts associated with transactions ; How Cash App verified the accounts using our phone number and email identified by our IP address ; The identity verification process as a whole ; Cash App advertised that they collect credit bureau XXXX, had they done so they would have seen a fraud alert, what verification did they use re their advertised credit bureau XXXX ; Any other item deemed applicable. 
If XXXX XXXX truly contacts credit bureau XXXX they would have seen fraud and hacking. Their verification through email should have stopped the transactions. 
What extent did they do to verify XXXX address of our devices?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a company vehicle on XX/XX/2023. First Citizens Bank is the lienholder. As part of the purchase, First Citizens Bank said that they would register the vehicle & get the tags through their XXXX vendor. 

As of today, my vehicle is still not registered with the XXXX of Georgia. Ive been in constant communication with my First Citizens Bank XXXX XXXX & even contacted the First Citizens Bank XXXX department. In fact, I have an XXXX XXXX containing XXXX emails between my relationship XXXX & me, yet there still is no resolution :/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my handwritten instructions.

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 2021-02-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 I had a VA loan associated with XXXX XXXX that was closing on a house in Texas. I was told everything was okay I would be looking for my payments to start on XXXX of that year. So without my knowledge or email or phone call or letters from XXXX XXXX. My account was sold to Wells Fargo with a new account number and login. They say they sent a letter XX/XX/XXXX to my mothers home, but that was a lie it was sent when I requested it and it was no back date on it. My mother always checked the mail and it was forwarded to her. I was stuck in XXXX because of covid and had all my mail sent to my moms house. I made sure to do that once I closed on the house. So with all this going on Wells Fargo took it upon themselves to start reporting me being late to the Credit Bureaus of none payment when I didn't even know at the time my loan was sold to someone else. Then on top that my loan was a XXXX XXXX XXXX and was supposed to not be reported to the credit bureaus. Now I tried and tried to do everything I known I could dispute with the credit bureaus all that. I don't like Wells Fargo they are corrupt and they don't care. So I was hit {$45.00} late fee here and there even when I started paying on the loan for my house. They said they would waive them but never did. Also all government backed loan during then pandemic where not subjected to late fees as well. So I don't know what they are doing over there but I want to get help. My score when from a XXXX to a XXXX because of them. I am a single XXXX XXXX XXXXXXXX XXXX not able to work. Also I have email correspondence with XXXX XXXX and XXXX XXXX of XXXX XXXX and I never received a email of my new account number and where was my account being sent. I found out on my own. And no correspondence from Wells Fargo telling me my new account number.

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