BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-17
Company: CAINE & WEINER COMPANY, INC.
State: TX
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:
my XXXX  had contract with XXXX XXXX  company. i cancel contract with then in XX/XX/XXXX, i received a letter from company in XX/XX/XXXX that i owe then XXXX because they over paid, i called XXXX and asked them i need a date so i can verify with my bank if i received any over payment i will send a check, they didi not send me any information .after few month i received a letter from caine & weiner colection agency agent name was XXXX  i called her and asked her same thing i need exact amount and date so i can verify with my bank. thursday she sent me XXXX XXXX statement i called her and asked her i need date and exact amount so i can verify with my bank she had no idea. she hang phone on me and threat me. cain & weiner send me a letter without getting any evidence from XXXX over payment information try to collect money from me i been telling XXXX AND CAIN & WEINER i have no issue to pay XXXX any over payment made to my company but they are unable to provide me any evidence of over payment made to my company. i told them i will not pay untill they provide me date and exact amount XXXX deposited in my bank. i am surprised they try to collect money from me with out any information from from XXXX and evidence when i asked her she had no idea and unable to answer my question

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i have an ITIN and when get a report they inform to me that DESEACED or unverificable application information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sent my schedule c in because I have an XXXX loan in my personal account. Now chase wants to cancel my account because of the loan. My account is frozen and I want it unfrozen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18
Company: Nelnet, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX/NELNET Opened Date XX/XX/2009 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX/NELNET was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In reviewing my credit report I discovered a new debt from Credence Resource Management for XXXX XXXX XXXX. I do not owe this debt and in addition filed XXXX in 2014. This debt is being reported without and amount on my XXXX credit report with XXXX. No account number or amount is listed just the debt collection agency listed. I wish this to be removed from my XXXX  credit report and any other credit bureaus. 

No date was entered as to the timeframe for the inquiry. This has lowered my credit score and is impacting my ability to re-establish credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This agency has 33 items listed on my XXXX credit file IC SYSTEMS which is CRAZY and I DO NOT OWE. I want ALL of them removed. This is violation of my rights 29 items all stating I owe {$59.00} which I DO NOT 4 items all stating I owe them {$150.00} which I DO NOT

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 2021-05-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear sir/madam My name is XXXX XXXXi have a checking account with chase.i got a XXXX  XXXX loan I'm a self employed.chase locked my account on XXXX stating that I need to provide my tax returns, a loan letter from XXXX and a Irs ein number.i did provided them all the documents and they opened my account and I used some money. But as on XXXX they have locked my account again saying that the ein needs to be before XX/XX/2020. According to law self employed don't need a EIN number to file taxes and to get XXXX  loan.i used my personal social security number when I applied for the XXXX loan.i got XXXX XXXX loan last year which was a higher amount into my same checking account .at that time chase didn't blocked my account and didn't send me any messages regarding EIN number.i f this is chase requirement than why wouldn't they ask me last year when I got my 1st loan from XXXX.i need a fair inquiry about my case. And if chase can't help me out than please send me a written letter explaining the reasons why my account was locked.you can contact me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have had a few card terminated that I was authorized user on a while back. I was told all these terminated accounts Transunion and any other credit reporting agency 's would take off. Here the following accounts I would like removed from my credit report as promised. 

I have 3 XXXX cards all 8+ years all terminated would like that off A XXXX card that was opened on XX/XX/XXXX & another one opened XX/XX/XXXX A XXXX  XXXX card with a credit limit of {$7500.00} & another one with a {$10000.00} limit XXXX  XXXX opened on XX/XX/XXXX. 

These cards some were an ex bf 's and some were my mother 's I just don't want anything to do with them off my credit report as I am trying to build good credit and do not need or want there help. 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 2020-08-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I always make my payments before they're due. On XX/XX/2020, I made my mortgage payment {$2500.00}. I did not find out until XX/XX/2020, they put my XXXX payment all to principal. Since XX/XX/2020, I have had to call every month, because XXXX told me I never made a payment. The incompetent customer service representatives did not figure out the issue until XXXX of this year. They have charged me late fees every month, and continue to tell me I didn't make a payment each month. They're going to ruin my credit due to their own mistake. I have called at least 5 times, for them to fix the problem. Each time I have called, they have refused to fix the problem that they created.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-03
Company: Butte County Credit Bureau
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have tried calling the collection agency trying to get some things on my credit fixed and twice a rep. by the name of XXXX answered and was extremely unprofessional, rude, combative and bad tempered. I tried asking her some questions but she wouldn't let me speak and she would just respond with she doesn't have to let me speak, so I asked for a supervisor and she refused she said there isn't a supervisor and hung up on me. I have repeatedly tried to get more information on these bills and I get absolutely no where. Butte County Credit Bureau is a HORRIBLE company, treating people so poorly and disrespectfully is not OK in anyway shape or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX my wife and I were returning an item at the XXXX XXXX in XXXX XXXX, CA. In hind sight we can only assume our HSBC credit card was lost at that location. At approximately XXXX XXXX. I received a text from HSBC indicating there are suspicious charges on my credit card account. I contacted HSBC immediately and was informed someone had used our HSBC card twice at a XXXX 's store in XXXX XXXX, CA., one charge for {$500.00} and another for {$1000.00}. The card was closed and thus an investigation started. I contacted HSBC the next day to ask them how to proceed. I was told the investigation would take approximately 90 days to complete. I waited. Around the XXXX of XX/XX/XXXX, I contacted HSBC and was told the investigation was still ongoing and to wait another week. I contacted them again a week later and was told the same thing again. I pressed for more information and was told I needed to complete a police report. I filed an online report XXXX # XXXX ) and again waited another week. On XX/XX/XXXX HSBC told me the investigator had talked to the XXXX  detective and that the detective would be calling me. Proactively I contacted Detective XXXX XXXX of the XXXX Police Dept. who told me he had no questions for me. Detective XXXX further indicated that the investigator he spoke with mentioned the charges were indeed fraud. I contacted HSBC again to speak with XXXX XXXX unknown last name ) the investigator. He was not available and after be assured on three separate phone calls that XXXX would be returning my call, he has never done so. On XX/XX/XXXX I spoke with HSBC investigator XXXX who told me to submit a complaint in writing to a PO box in New York. I sent a certified letter on XX/XX/XXXX to the address I was given and it was returned today with a NS # which I assume is no-such number. To date this remains unresolved and I have had NO communication in writing or a phone call from HSBC. ALL communication has been initiated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2021 I accepted a pay to delete agreement from XXXX XXXX. I paid the requested amount for the account in full. All three credit bureaus refuse to delete the XXXX account from my credit report, they only updated. I have enclosed a copy of the letter from XXXX XXXX XXXX  ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
To whom it may concern, I have 2 separate complaints. XXXX for XXXX   and one for experian. 


XXXX  : Has not updates my score since 2019. No information on this report is accurate and it shows my score as a XXXX almost XXXX points less than XXXX  or Experian due to the bad information on the report. I reached out to them via email and have not heard back. They dont take calls. 

Experian : Does not let me dispute items on my report due to previous disputes. However I have a valid reason to file a dispute for the item I am trying to and they refuse to let me file the dispute. The information is not accurate this account was paid directly to the lender and resolved.

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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax is blocking lenders from pulling my credit report for a mortgage. Two different lenders have tried several times over the last 3 months, always receiving this error message : Inquiry information identified as fraudulent by consumer. When they call Equifaxs business support line, available only to lenders, they are told that I, the consumer, must call the consumer support line. I have done so many times, speaking to many people over the last 3 months, and each time Im told that there is nothing no flag, freeze, block, etc. preventing the lender from pulling my report. They say they know nothing about the fraudulent error message, that only the business support team sees that, and they refuse to allow me to speak with that group. Interesting that one lender was able to get my report in XXXX, but when he tried again in XXXX, XXXX, and XXXX received that fraudulent error message. I am about to lose my home ; I have already had one lender give up and pass me off to another lender because hed reached the end of what he was willing to do, given the constant finger-pointing back from business to consumer support. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
To whom it may concern, I have 2 separate complaints. One for equifax and one for XXXX. 


Equifax : Has not updates my score since 2019. No information on this report is accurate and it shows my score as a XXXX almost XXXX points less than XXXX  or XXXX  due to the bad information on the report. I reached out to them via email and have not heard back. They dont take calls. 

XXXX : Does not let me dispute items on my report due to previous disputes. However I have a valid reason to file a dispute for the item I am trying to and they refuse to let me file the dispute. The information is not accurate this account was paid directly to the lender and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: VALLEY NATIONAL BANCORP
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, NJ who obtained financing for my auto loan with Valley Bank. When it came time to have the loan documents signed, the finance associate that they sat us with had my husband sign all of the loan documents, despite the fact that he is not on the loan, only I am. He stated it wasnt a big deal with this bank hes very familiar and theyre not too picky. Not one signature on the loan documents is mine. 
Fast forward to the present on XX/XX/XXXX I made of payment of {$200.00} XXXX my required regular payment is {$800.00}, I accidently inverted the 2 and the 8 and didnt catch it the day of ). On XX/XX/XXXX I made a payment of {$590.00} to make up the rest of the payment, as it was my intention to pay the whole amount originally. On XX/XX/XXXX I was mailed a delinquency notice that my loan was now 15 days overdue. I called the number on the notice, at approximately XXXX on XX/XX/XXXX, and inquired about the notice as I had made my payment, it was just coming through as two by mistake. She was extremely rude, and informed me that the reason I got the notice is because I need to make my required payment, and that the bank doesnt consider partial payments as a regular payment. I informed her that my bank had sent the money, and again stated it was a simple error I corrected the next day, the payment still wasnt due until XX/XX/XXXX. When I finally got her to understand that that was not my intention, that I wanted to make the entire payment by the due date, she found the rest of the money and stated she was going to fix the payment to be applied correctly that day. 
On XX/XX/XXXX I was mailed yet another delinquency notice that my loan was 15 days past due. I double checked my records, as I knew I made the required XXXX payment ( XX/XX/XXXX - {$800.00} payment not due until XX/XX/XXXX ). On XX/XX/XXXX at XXXX am I called Valley bank yet again and spoke with XXXX, who started to tell me I didnt make the required payment. I AGAIN explained the situation, and that it was supposed to be corrected on XX/XX/XXXX ( I was assured at that time I would not pay any late fees and my credit would not be impacted ). She said she had no record of that, and that she had to send it to a supervisory for review. I asked to be put through to the supervisor at which I was told they had to research it and that I needed to call back later in the week. 
I dont appreciate being treated so poorly my loan has never been late, and its a loan that wasnt even signed by me! I would like the CFPBs help in getting this matter resolved, as it is extremely annoying to receive a delinquency notice every month on a loan that is current.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-13
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I wrote a letter to the collection agency agreeing to settle the debt if in return they remove the account from my credit report. They sent me a letter back stating that once the check/funds cleared they would remove it from my credit report. The Funds cleared on XX/XX/18. In my letter I requested that it be removed from my credit report within 10-15 days. This account is still showing on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I placed an application and paid the application fee for the apartment complex XXXX XXXX. However, I never signed a contract or lease to lease an apartment. I only placed a application and inquired about the apartments. The company is now charging me 300+ dollars and because I refused to pay they placed the debt on my credit report. I don't know where this charge came from because I paid the application fee of $XXXX  in full so not sure why they are showing that I owe them anything.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-17
Company: West Realm Shires Services Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Access to my account was changed during an app update. I reached out to XXXX. it was very poor support. It took months to get a reply. I was asked to contact XXXX, I am still waiting for a response on my concerns. I was advised ftx has no record of my account. I have a confirmation email, support emails and bank records that support I do I have an account. I had just over XXXX XXXX XXXX coins which I also have screen shots of. 

Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation