BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Chase granted or approved me for a total checking account with a {$350.00} deposit made upon account opening. 2-4 days later, and they always do this, restrict my account due to processing of immediate forced account closure, account charge-off and end their relationship with me. They say it is done on a per account basis. 5 times in a 8 year time span. I feel they are being biased and discriminatory in their handling of my financial affairs, not always on the surface such as at a branch or over the phone, but in review when they look at my photo identification card ( s ) and make their banking reviews and lending approval/adverse decisions. Account was in good standing and representative stated bank was closing my account due to suspicious account activity and restrictions were placed. I only withdrew some funds via branch atm and check and processed financial balances and one attempted, failed, XXXX transaction. They should not have closed an account that was in good standing without attempting to verify activities with me first. I feel this is biased discrimination and prejudice in the financial institutions account handling in attempting business relations with financial institution JPMorgan Chase Bank. They say it a per account decision and not a or never was a permanent black-listing or ban from doing business with them ever again in, now or in the future but 5 times in an 8 year period is proving otherwise and it goes on with the credit bureaus they report to as well showing new negative banking activities information on my account XXXX  as charge-off account and account forced closed, or Closed due to suspicious activities for me to handle in the aftermath.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I called Equifax on XX/XX/2019 to dispute several inquiries on my credit report which I believed to be fraudulent, many of which occurred even AFTER placing an initial security alert on my file about a month ago. After providing information for 28 different inquiries, the representative attempted to tell me that the information could not be disputed as " inquiries are factual data, '' and that I would need to contact the creditors directly to dispute the items. I explained that there was no way I had the time to call/write 28 different creditors, and thereafter follow-up to ensure the inquiries were properly deleted. I further explained that I had placed disputes with both XXXX and XXXX regarding similar inquiries which I believed to be fraudulent, and both were willing to take my dispute. This got me nowhere, so I requested a supervisor. The supervisor again allowed me to waste my time listing off each inquiry, only to attempt to tell me that she, also, would be unable to initiate a dispute on my behalf for the same reason : " inquiries are factual data. '' She also wanted me to contact the companies directly. I explained to her that as the credit reporting agency, Equifax has a duty as per the FCRA to ensure that the information they are reporting is accurate. They also have a duty to investigate upon being informed that inaccurate information exists on my report. As I advised her, I do not dispute that it is a " fact '' that my credit information was accessed on all of these occasions. What I do dispute, however, is that these inquiries were authorized by me, because they most certainly were not. Finally, she agreed to take the dispute, and issued me a confirmation number ( XXXX ). Later, I received an e-mail with a copy of my dispute results, dated the same day. The results indicated that each of the inquiries would remain on my report due to it being " factual data. '' Again, I do not dispute that my credit was accessed. What I dispute is that the inquiries were authorized. It is a well known fact that excessive inquiries can not only adversely affect one 's credit score, but also be used as a reason for denial of credit even in the event of a satisfactory credit score. As such, these inquiries need to be removed as they will ultimately adversely affect my ability to obtain credit. The request of Equifax that I contact each of these creditors myself is unduly burdensome. I also note, again, that it is THEIR DUTY as the credit reporting agency to ensure the information THEY REPORT is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
While I was in XXXX from XXXX, three fraudulent claims went through my checking account at Citibank. They were titled, " Bill Payment XXXX ADD MONEY '' for {$3900.00} on XX/XX/XXXX, {$6800.00} on XX/XX/XXXX, and {$9900.00} on XX/XX/XXXX. I first discovered this on XX/XX/XXXX, when I happened to be checking my mobile account and saw such a large amount withdrawn. I immediately called Citibank using my wifi calling ( I was on airplane mode during the whole trip ) and did not receive any two factor authentications or emails alerting me of such a large withdrawal. I told the representative this was not me and please be vigilant about my account. She assured me she would take care of it so when I saw another even larger amount that went through I was shocked that this was happening. I immediately called them on XX/XX/XXXX and told them this was not me and I changed my password right away. I was told this would be investigated and notified when there was a decision. On XX/XX/XXXX, I received a letter via mail that all claims were denied stating, " Our records show that you have consistently paid by means of Citibank 's Bill Payment Service and used an established device for the above vill payments, therefore you will need to contact our merchant directly for reimbursement if necessary. '' I have called paypal multiple times and they can't find any transactions for those amounts with my account info. Upon checking my account info I did see another number listed that I did not recognize and brought it to Citibank 's attention. There has been no mention of this during the investigation and I have just received another denial on XX/XX/XXXX after submitting a fax on XX/XX/XXXX appealing the first denial. I really need my {$20000.00} bank and feel a bit helpless at this point since they are not helping me at all and claim no responsibility with the money I entrusted them with. I have also filed a XXXX complaint on XX/XX/XXXX as recommended by my local police department. 

I need my {$20000.00} back from Citibank. They showed complete negligence for letting this happen three times, even after being alerted for the first two. Not only is the security subpar but also their lack of empathy as they just do not care about their customers. The incompetent investigation team should really restructure the way they handle investigations and should not merely accept what shows to be true on the surface. These are high level hackers that did this to me and I expected more answers and a deeper level of probing to get to the bottom of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am a victim of identity theft and have 3 fraudulent and unauthorized credit card accounts that arent mine, and dont belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX, {$12000.00}, XX/XX/2017, XXXX XXXX XXXX XXXX, {$380.00}, XX/XX/2017,  XXXX XXXX XXXX, {$3.00}, XX/XX/2017, the following hard inquiries arent mine and dont belong to me : XXXX XXXX XXXX, XXXX, XXXX Consumer Affairs. My 2 U.S. Senators from Arizona, XXXX XXXX XXXX and XXXX XXXX, is investigating this matter as well on my behalf. XXXX XXXX XXXX and XXXX XXXX sent me a letter informing me they considering calling Congressional/Senate Confirmation hearings for XXXX XXXX, XXXX XXXX, XXXX, XXXX and Trans Union Executives to appear before Congress to answer to my complaint and other constituents in their district who have similar issues/complaints as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I contacted experian. Concerning XXXX XXXX and my credit report. I informed them of the fraudulent foreclosure or guess my property that usbank file I against me. Without any legal standings. I sent them to pull report along with support and documents. Informing them of the incidents and hardship that would brought upon me and my family. I asked for a credit update in writing to remove us bank from my report yet I were refuse. I first contacted experian XXXX XXXX 2017 about this situation and to date I have n't had anything in writing. 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 non-monetary relief
Consumer complaint received 2018-03-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage lender, Citizens One, erroneously paid the taxes for a home I do not own out of my escrow account with them. This is causing my estimated payment for the following year ( 2018 ) to be falsely inflated. I sent a payment to Citizens One that matched my prior payment and they sent it back to me. I contacted the XXXX County Tax Department and they verified that the taxes were paid by me. I first notified Citizens One of this in mid-XX/XX/XXXX, when I received my annual escrow account review. Their initial estimate had my mortgage payment potentially increasing by {$2800.00}. It has been 2 months now that the tax department at Citizens One has had ownership of this issue and they have still not resolved this. I have attached a copy of the 2 escrow statements that I received from Citizens One ( both incorrect ), and the letter they sent me when my payment was rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
XXXX XXXX XXXX , XXXX Account XXXX I recently uncovered that XXXX XXXX XXXX continues to falsely report to each of the credit bureaus that my account was closed due to an involuntary repossession. Furthermore, they continue to attempt to collect a {$31000.00} balance and report to all of the credit bureaus an incorrect balance owed, saying that I owe the original balance plus their added on penalty fees and falsely report that the vehicle was involuntary repossessed. I had contacted them several times and told them to pick up the car and they REFUSED to pick it up. Only after I filed a complaint did they actually pick up the car and send a notice saying that they would sell the car at auction and the amount collected from the sale of the car would be applied to the balance owed leaving me responsible for any remaining total to be paid because they were suing me for the balance. Based on all of the information they are reporting to the credit bureaus, they NEVER sold the car and applied the amount to the balance, and they are continuing to report to each of the credit bureaus that they are continuing collection efforts on the full {$31000.00}. They have done so intentionally to cause further damage to my credit and prevent me from obtaining accurate information to file bankruptcy. Furthermore, each of the credit bureaus continues to report the false information furnished by XXXX XXXX XXXX each month including the incorrect balance and disposition that the account was closed with an involuntary repossession with in fact, each credit bureau should be reporting that the account was closed with a voluntary repossession. Shortly after my original complaint, XXXX XXXX XXXX began reporting my account correctly to the credit bureaus as closed voluntary repossession. A few months later I checked my credit reports to obtain the correct balance for this account and the balance is still the full {$31000.00} and they went back to falsely reporting that it was an involuntary repossession. After consulting with a legal advocate attorney who is handling other complaints against this credit reporting agency, I intend to seek all options including any compensation available to me based on the evidence I have accrued that documents in full detail the deceptive business practices and false credit reporting to the agency by the data furnisher, failure of the data furnisher to abide by a cease and desist even after receiving notice of my intent to file bankruptcy, and failure of the credit reporting agency to report correct valid information or remove the invalid/erroneous record from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-03
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Tried to fund a trading account with XXXX, didn't go through. 
Said BANK OF THE WEST-PERSONAL & SMALL BUSINESS is blocking you from enabling external applications. 

Called customer service, they saw no problems, and that was the end of their help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have attached a Complaint letter. 

This complaint is regarding the credit unions namely XXXX, XXXX  and XXXX. My identity was compromised in the year 2016 which I was not aware of then. I received my social security number around that time and not being originally from the United States of America, I was not aware of the term identity theft and how it can affect your life. Unfortunately, being a victim of identity theft myself it has not been easy life since the year of 2016. It has been over 2 years since I am constantly requesting and disputing accounts in my credit report which was not opened by me. The credit bureau has not been very cooperative, I have sent several letters stating to send me proof of verification or else delete the accounts. 

XXXX deleted all unverified accounts but failed to remove all non-account holding inquiries. 

XXXX and XXXX did not delete any unverified account, nor did they send any verification of the accounts. 

I request Consumer Financial Protection Bureau to help me with this issue and protect my rights as this issue has affected me emotionally as I can not purchase a vehicle or house for myself or my family. This inconvenience caused to me for all these years and I would want to be compensated for my time and struggle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: SYNCHRONY FINANCIAL
State: IN
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:
Hi, I contacted SYNCB/XXXX ( XXXX XXXX XXXX XXXX, FL XXXX ) three times to dispute their fraudulent tradeline on my credit report. I also disputed with the credit bureaus. They haven't remove the tradeline. Because this issue is damaging my credit rating I offer SYNCB/XXXX a payment of {$750.00} to settle the account but they didn't accept. At this point I need help from your agency to help me remove this unknown tradeline from this company.

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 2018-02-14
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing this in hopes you can help keep a family in their home. My husband and I are hard-working taxpaying citizens. We came across some difficult times, and Chase Bank refuses to work with us, despite our best attempts to get current on our mortgage with them. 

This past year has been extremely hard on us. My husband lost his mother and his sister. This caused XXXX to miss some work. Because of this missing income, it became impossible to make ends meet. We tried our best to keep up. When we did have money to give to the bank, they refused it, saying we needed to pay everything right then. In just XXXX months, we were in danger of losing our home. 

When we said we couldnt pay that much money at once, Chase Bank said they would had an assistance program. We were provided a list of documents we needed to submit, which we did. This is where things went bad. Our paperwork was lost, misplaced, etc. multiple times. We would talk to a different person every time we called in, and they would always offer to send us information wed never get. Our application is sitting at Chase Bank, and our mortgage is getting further and further behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: AES/PHEAA
State: PA
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:
Requesting for student loan information, late payment history, etc to be removed from credit report this debt has been written off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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:
On XX/XX/2022 I sent a certified letter to the XXXX credit agencies requesting that they verify a bankruptcy claim that is listed on my credit report with them. I also contacted a United States XXXX court in my state to find out if they were reporting this said Bankruptcy. I received a letter from the local United States XXXX Court that they do NOT report any items to any credit agency and that XXXXredit Agencies use 3rd party vendors to obtain public information. I then received a response from all 3 credit agencies in XXXX " validating '' the bankruptcy information but did not state how it was verified. I then sent another letter requesting a reinvestigation and the steps and companies they used to validate such information. All 3 responded that they verified the information via XXXX. I contacted XXXX directly and asked for a complete report of all the information they retain under my name, date of birth, social security number and address. On XX/XX/2022 I received the XXXX report and they do not list ANY bankruptcy, which is contrary to all 3 credit bureaus claims and re-investigation into this matter. I have attached the proof of my XXXX report, specifically page 27, where liens, judgements and civil filing records are reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted on Monday, XX/XX/XXXX by XXXX at Huntington Bank ( XXXX ) in regards to an account for XXXX XXXX. The account was short-paid last month and they have been trying to get in touch with the primary account holder, XXXX XXXX, but had been unsuccessful and needed to speak with me. 

I returned their call on Tuesday, XX/XX/XXXX and informed them that XXXX XXXX is my ex-husband 's business. We divorced in XX/XX/XXXX and I no longer have any interest in the business. I asked them to remove me from the account. 

I was informed that I was a guarantor on the loan and they could not remove me. Again, I repeated that I have nothing to do with the business and am not on any loans. I was told that I was on a loan back in XXXX and they rolled that into new loans in XXXX and again in XXXX. As a result, I am still listed as a guarantor. 

The XXXX loan was repaid, in full and on time, by XX/XX/XXXX. My divorce was approved by the court and I ceased to have any interest in my ex-husband 's company in XX/XX/XXXX. 

My ex-husband requested the business funds in XX/XX/XXXX and XX/XX/XXXX. I was not notified of any loans where I am listed as a guarantor and would not have approved this. I was never contacted by a loan officer to confirm that I wanted to be listed as a guarantor. 

Now, Huntington is telling me that I need to seek legal help to get off the loan or have my ex-husband refinance it without my name to remove myself as a guarantor on a loan I never even knew about. I have been requesting copies of the XX/XX/XXXX and XX/XX/XXXX loans that show me as a guarantor and Huntington is not responding. I have contacted XXXX both via e-mail and phone. I have a copy of the original loan, which was provided by Huntington.

Company response to consumer: Closed with non-monetary relief