BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: VA
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:
Good afternoon, I have applied for a mortgage and rate shopped with three lenders. According to the Consumer Financial Protection Bureau, shopping around for a mortgage will not have a negative affect on my credit score as it is considered 1 inquiry as long as it is done in a 45 day window. My credit score has dropped on all 3 of my credit checks for mortgages. I called all 3 credit bureaus and was told that that only applied if it was the same mortgage company. One tech even hung up on me. I even quoted the information on the CFPB website and was told that was incorrect. I am not able to dispute or have them correct the information so that it won't affect my score 3 times. The inquiries are : XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX  Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX attempted to deposit a settlement check related to a legal complaint against a local company in the amount of {$2500.00} on or around XX/XX/18. Since that time, her account has been frozen and Chase Bank has accused her of fraud. Chase Bank staff were given copies of the attached letter from the Office of the Indiana Attorney General regarding the settlement check and still have refused to re-open her account. This has caused her damage, including hampering her ability to buy groceries and pay her bills. When I contacted the attorney who authorized the check on behalf of his client, he indicated that on XX/XX/18 he was contacted by Chase Bank regarding the check and related to them that it was authorized. Yet the account remains frozen without clear direction from Chase Bank as to why this has happened and why they are not allowing her access to her account - even after confirming that the check was authorized. It does not at all explain why the entire account was frozen instead of simply disallowing withdrawal against the check until it was investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I made a call when I was struggling to make my monthly student loan payments about possible repayment options. They told me that if purposely missed my scheduled payment someone from their " hardship '' department would reach out to me within a few days to talk about repayment options. I did this and waited a few days and did not hear from any such department so I called again and was told that their hardship department was actually collections and there are no repayment options. I was completely mislead to believe that if I didn't make my scheduled payment a department would reach out to me directly about repayment options. I am still struggling to make payments and have received little to no help from the loan company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Debt Recovery Solutions, LLC
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: Account information incorrect

Complaint:
Some agency called Debt Recovery Solutions is attempting to collect a debt from XXXX, 2021 for a company called XXXX XXXX XXXX. 

The amount is {$3200.00} which I have no recollection and never replied to. 

This is fraudulant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
Lower price for a item ( XXXX XXXX {$370.00} XX/XX/2018 ) bought from XXXX site ( Price {$470.00} XX/XX/2018 ) was found for a lower price in the store itself. The request for lower price protection was denied stating unable to verify price stating valid lower price can only be an online ad or store catalog. XXXX store does not have all items it carries in a catalog. I found the lower price on the store item display took a photo of the item and the store price tag for the item. The was submitted as evidence of lower price and denied by the 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 explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Good afternoon, I have applied for a mortgage and rate shopped with three lenders. According to the Consumer Financial Protection Bureau, shopping around for a mortgage will not have a negative affect on my credit score as it is considered 1 inquiry as long as it is done in a 45 day window. My credit score has dropped on all 3 of my credit checks for mortgages. I called all 3 credit bureaus and was told that that only applied if it was the same mortgage company. One tech even hung up on me. I even quoted the information on the CFPB website and was told that was incorrect. I am not able to dispute or have them correct the information so that it won't affect my score 3 times. The inquiries are : XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXXRemoval date : XX/XX/XXXX XXXX/XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 2021-08-11
Company: The McHughes Law Firm, LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
District Court of XXXX County XXXX, AR Judgement of unverified and disputed debt McHughes Law Firm PLLC was filed by 2 judges signing an order to distribute funds without proof of debt, nor process server receipt of service, nor right to hearing or trial to prove/disprove alleged debt unverified, no documents filed by plantiff of any kind including answers by garnished, dispute of inaccurate info owing debt was ignored by all court parties and garnishee & objection to garnishment hearing was denied in order to object it, negotiate if necessary, challenge unverified judgement, & negotiating alleged 2 debts in the judgement was never an option. Nor consent given to garnish wages, nor any receipts of garnishments made paid to either of alleged debts as required by me to assign if they existed and they do not. 

Magistrate judge, city attorney, clerk 's, & other judges violated in using XXXX  XXXX XXXX XXXX wire transfers to Michigan and deposited in Arkansas & 15 USC sect 1672.

Wages exempt were garnished. Loss of information by denial and without filing required documents causes inability to use required materials to determine damages & loss of profits, proof of payments were made to either of the 2 fake debt accounts by McHughes required payment from Michigan to be made in XXXX county at their p.o. box address in XXXX XXXX, Arkansas. 

No direct deposit authorization was given.

8th amendment requires REVIEW before going through with garnishment.

No right to counsel or appeal.

Error of law & abuse of discretion by judges.

Loss of rights to injunctions against any labor organization fees unlawfully deducted, unpaid minimum wages or overtime wages, unemployment insurance withheld by state and the federal cares act funds, forgery & FRAUD CHARGES existing, title III established of conspiracy satisfied, & stop of garnishments without any explanation or balance calculated from payments deducted by garnishment establish theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: BMW Financial Services NA, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted BMW Financial over a month ago regarding account. I also contacted XXXX, XXXX, and XXXX XXXX regarding this fraudulent account. It is illegal to report anything that is inaccurate and I would like this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a Chase Mortgage without an escrow account for fifteen years. Through a series of miscommunications Chase set up an escrow for tax payments with my town of XXXX, MA XXXX which I have paid. to. Chase claims that the Tax Dept. reported my account late while town of XXXX says that they do not report late payments. Chase has set up an escrow which after numerous communications Chase has closed with a balance of $ XXXX. The town of XXXX has {$700.00} in prepaid tax payments which I have asked Chase to repay to escrow on XX/XX/23 to reduce escrow which I want to pay off. After numerous communications with Chase Bank and attempts to reach my " relationship manager '' I can not find out whether Chase has gotten the {$700.00} tax payment back into pay down on escrow. This has been going on for three months. I have requested that Chase get the money from XXXX XXXX ( the treasurer has said that he would expedite the process once he received the Chase request ). I have had no response from my " relationship manager '' XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: DISCOVER BANK
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Discover card will not refund my account for fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted XXXX XXXX over a month ago regarding account. I also contacted Experian, XXXX, and XXXX XXXX regarding this fraudulent account. It is illegal to report anything that is inaccurate and I would like this account removed immediately.

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 2021-02-22
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Read the testimonies I uploaded SLS business is to lai that all home owners are late Lady due Then they turn the past due to delinquent so they have excuse to immediately foreclose This is how they do it Please read what I sent and put this Crocks our I am in a same basket of all those home owners With the government ban eviction and foreclosure specially fraud foreclose I and sending my situation and what SLS does to my governor Congress SLS should be pay and wipe off for what they are doing Its pure fraud cheat and stilling They are in business based on fraud cheating and get rich by fraud SLS is owned by XXXX Put them out Please take action

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 2021-08-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Their is a loan from XXXX XXXX that was closed in XX/XX/XXXX, and there was a late payment made in XX/XX/XXXX. XXXX and XXXX are showing the accurate information, but on my Equifax report it shows the account was closed XX/XX/XXXX, a late payment in XXXX of XXXX, and then it shows payment history 'OK ' all the way to XX/XX/XXXX with another reported late payment. They continue to update the account at Equifax, and will not removed any of the data after XX/XX/XXXX ( when the loan closed ), so it is showing that I have a late payment on the account a year after it was closed and paid in full. I have asked XXXX to fix it but they state they are reporting correctly ( this is why the other two CBs are showing accurate information ), but Equifax continues to tell me its correct and they do nothing to fix it even though it clearly shows the account was closed - paid in full in XX/XX/XXXX. So now it looks like I had a late payment in XX/XX/XXXX on that account and only on my Equifax report. This prevented me from getting a home loan, and I am not sure who else to go to have this fixed. They are clearly violating FCRA rules and they do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: LOBEL FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
On all 3 credit bureau reports, Lobel Financial is reporting that I am missing payments each month since ive had car repossessed. I have called multiple times to Lobel Financial and they have told me they have no record of them reporting missed payments or that my balance has been increasing each month. I have disputed with all credit bureaus informing that my balance should be the same as it was when it was first reported and that my score shouldnt be changing in regards to these " missed payments ". Lobel states my balance has not changed in their system and is showing XXXX for my balance and not XXXX which is showing on the credit bureaus. The credit bureaus are getting information directly from Lobel so my concern is the company is not reporting correctly. I do not know what to do from here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account online with Citi a few weeks ago at the beginning of XXXX. I had funded my account with XXXX mobile check deposits and an ACH bank transfer from another account. Citi unjustifiably deemed a perfectly fine checks as fraudulent and closed my account without adequate notice. The ACH transfer was supposedly sent back to my originating bank, but there is no supporting record of that, as the bank has refused to show supporting bank statement documentation of the return. I am still waiting to receive my money at either my new Citi account or my originating bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: MS
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 writing this due to non-compliance with the (Equifax, XXXX ,XXXX). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 writing this due to non-compliance with the (XXXX, XXXX ,Transunion). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on 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 2020-05-15
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had an account put into collections by XXXX. ERC is the company that collections account was sold off to. To date they have sent only one letter in the mail. I responded to the letter within 1 week of  receiving the letter. They have been harassing my phone line, calling VOIP, using spoof numbers in my area and when I answer they hang up directly. My phone number is not a toy to be played with as I conduct business on this line. I've set up payment arrangements and have spoken to multiple people about removing my phone number from their registry and they still continue to call me. I've submitted forms online and nothing happens. I've called them back every single time they call me which is every day and tell them to remove me from the registry. All the way up until the day of this complaint and a payment plan HAS ALREADY BEEN ARRANGED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Include dates, amounts, and actions that were taken by you or the company : In XXXX I had spoke with a rep from IC system who asked me if I could use the child tax credit payment on this bill that was on collections with XXXX. I kindly said I would call back or make another arrangement. I found my documents and started making payments online in XXXX XX/XX/XXXX I received a call from IC System concerning a collection account from XXXX. I started making bi weekly payments of {$25.00} via internet back in XX/XX/XXXX to IC systems. The rep confirmed that she did see the payment. I also received emails from XXXX confirming payment! was received to them I guess. The company still calls me although I am making payments. I had paid off another account with the same company two weeks ago. They can clearly see that I am making payments. I thought they were calling me about another account however it was for a XXXX bill that they do see payments are being made.

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 2017-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My bank told me On XX/XX/2017 a withdrawal of {$360.00} was made, then on XX/XX/2017 a check of {$700.00} was deposited in a different city also in the same city another withdrawal was made of {$340.00}. I filed a claim stating my debit card was lost and that none of those transactions were made by me. A credit was issued to my account but couple weeks later the credit was reversed. I called the my bank to ask what happen and i was told that it wasnt posible that someone else other than me made those transactions. I just hope that CFPB finds the proper resolution before i have to take legal actions.

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 monetary relief
Consumer complaint received 2018-03-01
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Stolen identity fraud open account open in my name XXXX XXXX XXXX/ XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX Opened XX/XX/15 Account number XXXX Amount 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 non-monetary relief