BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, I transferred {$56000.00} from my XXXX business account # XXXX to my suppler, XXXX XXXX. XXXX at Chase XXXX put a hold on my suppliers account and then closed it for unknown reasons. The case # XXXX was given to my supplier, XXXX XXXX. What is important to know is that XXXX has made as many as 15+ communications to Chase without a response. 

XXXX, Senior VP, XXXX XXXX, XXXX, XXXX who was looking into my case told me that Chase was going to reissue a cashiers check to me for {$56000.00}. This was 123 days ago because Chase has lost the check twice and did not track the check. 

I have my home mortgage with Chase and my business credit account has been with Chase for 20+ years. I know that if this is happening to me it is happening to other loyal customers of Chase. They think their untouchable resulting in my closing my XXXX XXXX and laying off employees. I need someone to report this because this shows the real incompetence from Chase. 
Pleasse contact XXXX XXXX, CEO, JPMorganChase, XXXX to let him know of the incompetence of his Chase employee who has caused my XXXX XXXX and many others to close their doors during the Covid-19 epidemic. Please help me with this situation. This should not happen in America. 

Best regards, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: AES/PHEAA
State: PA
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:
AES has  XXXX  accounts on my  XXXX  and  XXXX  reports that are over the seven year period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was working with Portfolio recovery on a payment arrangement for a bill. As soon as I gave my checking account number-within that same breath-the rep asks me if I am aware of debt for XXXX XXXX in their office. 

I have a Current XXXX XXXX card I am in repayment on-in past when I received these phone calls it upset me because I was confused about which debt they were referring to. 

This debt they were referring to is over 13 years old. 

I felt Harassed and manipulated-I would not have gone into a payment arrangement with this company for XXXX -- had I known they would combine the two companies in our conversations, and during our payment arrangement no less. 

Thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this company over a year ago through XXXX XXXX. XX/XX/XXXX. I confirmed with company. Recently XX/XX/XXXX they said I still owed, I contacted them. They have tracking number for the money transfer from XXXX XXXX but it was never put on account. They said they would call me back. A week later I got a letter, they could not get enough information and I still owed the debt.

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 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I mailed certified letters to TransUnion XX/XX/2022, which was received XX/XX/XXXX at XXXX and XXXX, which was received XX/XX/XXXX at XXXX, requesting the removal of several inaccurately reported accounts. To date, I have yet to receive a response. I understand they have 30-days to reply to my request once they receive notice, but I have not received response or notification of a conducted investigation as required by law under the FCRA.

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 2018-05-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They said I owed a bank of hbc bank I dont remember having this card and if i did is was pay for. In XX/XX/2007 ending of the card they said is XXXX and they saying they trying to take me to court to pay this off. I need help because i think this is a fraud company trying to take my money.thank you the amount is XXXX and the name of the company is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, 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:
The company XXXX XXXX XXXX has yet to respond to the request sent via US mail on XX/XX/2023 to provide the following : Original contract with wet signature, name, address, DOB. An invoice does not properly suffice as a method of validation. This company continues to violate my consumer right by adding false information to my credit profile. I have made several attempts to request the this debt be validated correctly and this company has failed to provide me with the requested information. Please remove this erroneous information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
To Start we were contacted by our current mortgage company Lakeview to do an XXXX, back on XX/XX/XXXX. We closed on the loan in XXXX XXXX. We were told no refinance was required that we can get the interest lowered to 2.5 %. My husband and I agreed. Once my husband received a letter from the VA that he was now 100 % XXXX, we sent that paperwork to our county office to have that document recorded. The county of XXXX XXXX sent a letter letting us know that he had been recorded in the county office as 100 % XXXX and we were not required to pay taxes. We sent a copy of the letter to the subservient company XXXX to have this also recorded and for the taxes to be stopped and for the loan to be redone to provide a new mortgage payment. We waited 3 months for this to happen. My wife continued to call to get an updated status. Finally, she was told that the county needed to send XXXX a bill saying that we no longer had to pay taxes before they will redo the mortgage amount. My wife and I went to our county office to see if they can give us a bill for zero amount, they intern gave us a zero bill, saying we did not owe any money. Lakeview said they will not accept that because it needed to say we did not owe any taxes. They will send the taxes in XXXX. when they are due and if it comes back saying we don't owe then they will redo the mortgage, but in the meantime keep paying the XXXX. This was not acceptable to me and my wife, so my wife filed a written request as well as called to have the escrow stop. On XX/XX/XXXX, my wife called to request an update on the status and was told that the request was denied because 80 % of the loan had to be paid off before the escrow could be stopped. When my wife asked for further explanation, she was told that Lakeview did an appraisal on XX/XX/XXXX, for XXXX. We became very upset because we were told in the beginning that no appraisal was going to be done. This company is very shady, and they did not tell us that they did an appraisal.

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 2022-02-14
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
THERE ARE 6 INACCURATE ACCOUNTS REPORTING TO MY CREDIT REPORT THAT ARE FRAUDULENT AND NEED TO BE REMOVED IMMEDIATELY 1. XXXX XXXX ( ACCOUNT # XXXX ) AMOUNT : {$4600.00}, 2. XXXX ( ACCOUNT # XXXX ) AMOUNT : XXXX or {$6700.00}, 3 ) XXXX XXXX ( ACCOUNT # XXXX ) AMOUNT : {$890.00}, 4 ) XXXX ( ACCOUNT # XXXX ) AMOUNT : {$3400.00}, 5 ) XXXX XXXX XXXX  ( ACCOUNT # XXXX ) AMOUNT : XXXX {$6.00} ) XXXX ( ACCOUNT # XXXX ) AMOUNT : {$280.00} XXXX ALL OF THESE ACCOUNTS ARE INACCURATE AND NEED TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: ALLY FINANCIAL INC.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This is regarding my high yield money market account ending in XXXX. I was suppose to receive a XXXX bonus for meeting the requirements. I verified with ally several times that I qualify and was confirmed that I do. They said after the XXXX if I dont get it to call back. I have called 4 times and I am getting the run around.

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 2023-02-10
Company: CMG MORTGAGE, INC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Cmg mortgage sent my XX/XX/2023 payment back, then sent letter stating payment was never paid and they're going to charge me late fees & report to my credit even threatening of foreclosure for non-payment if not paid in 60 days. I sent a certified letter which they received it on XX/XX/2023 they signed for it so therefore my mortgage was never late CMG also tries to increase my mortgage then they sent me a recent letter changing my mortgage again I have a fixed VA loan mortgage therefore my mortgage should be staying the same not changing as CMG has no justification for the change. They also said my home owners insurance is {$2000.00} a yr, but then after a call to XXXX my home owners insurance it's was only around {$1200.00}. Cmg said i have to pay the {$2000.00} before they would fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello. I disputed with XXXX XXXX at the end of XXXX about a false bankruptcy on my credit. They have since had it deleted. They have sent manual disputes and I disputed with the credit bureau as well. They keep coming back as verified when XXXX XXXX has clearly removed it from the report. They are refusing to delete this incorrect information even though I have provided valid proof. Also the addresses listed on the furnisher does not give out this information to credit bureau nor do I even live in any of those locations to have filed.

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 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 and Transunion should not be reporting. me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Problem getting your free annual credit report

Complaint:
I am unable to get my free credit report on the transunion website. I'm able to get the other two ( XXXX and XXXX ) on annualcreditreport.com, but transunion won't comply.

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 2023-02-23
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: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$550.00} ; XXXX XXXX XXXX XXXX : {$24000.00} ; XXXX XXXXXXXX Balance : {$0.00}.

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 2022-02-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After studying my credit report, I identified some difficulties that were incorrectly stated. The Fair Credit Reporting Act has given me the power to dispute and correct inaccurate information on my credit report ; nevertheless, the following are also prohibited by the Act ( FCRA ).

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 2019-04-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I updated the automatic payment information with our mortgage company to automatically withdraw {$390.00} from our bank account. I received an email notification on XX/XX/18 that the information was updated. Somehow, the automatic payment information was removed from our account by the mortgage company and we were not notified. We received no email messages or phone contact from the company until, on XX/XX/18, I was informed that we were in collections. We paid the overdue mortgage of {$800.00} on XX/XX/18 even though the error was not on our part. The mortgage company refused to remove the collections report from our account, even though we submitted the exact same information for the automatic draft and have had no issues since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
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:
A check was deposited on XX/XX/2023. I received a written notice the deposit was being placed on hold. On XX/XX/XXXX and XX/XX/2023 I received emails that my hold had been released and funds available. I then got a notice on XX/XX/2023 that my account was overdrawn and my transactions would be returned. XXXX received the funds from my bank on XX/XX/2023. I called in to customer service and spoke with Manager XXXX XXXX who could not explain why my funds were on hold on XX/XX/2023 and no further notice was issued. They also had not explanation why they did this. when I received a written notice there was no hold on my account. They then pressed a button and my funds were released. 

This is not the first time this has happened. XXXX is discriminating and holding peoples funds illegally. They should not be allowed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The collections company is called Portfolio Recovery. 

Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX XXXX ID : XXXX I have informed them ( Portfolio Recovery ) on multiple occasions that I'm filing for bankruptcy and have a lawyer representing my case, as well as providing my lawyer 's name and contact information, and asked that Portfolio Recovery stop calling me and any contact go through my attorney. I have requested this more than once via phone contact with representatives from this debt collection agency operating under the name Portfolio Recovery. 

Despite this, they call upwards of 7-8 times a day, from varying number spoofs of local area codes. The number sometimes shows up as Portfolio Recovery on caller ID, and when I have spoken to them they've identified themselves as Portfolio Recovery. They call on evenings, weekends, even holidays ; one day they called upwards of 14 times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21
Company: Risecredit, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company RISE is showing up on my credit report. I have never done business with company, never had a loan or any interaction. 
I have disputed this with the credit reporting agencies and written to the company personally asking them to validate the debt or provide other information. I have received nothing from them. I have called a been left on terminal hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THESE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WERE OPEN IN MY NAME SOMEONE USED MY NAME SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of 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 2017-12-18
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Nationwide recovery systems has called me several times concerning a debt for a XXXX XXXX ( XXXX, I do n't know the name of the person ). I have asked them several times to remove my phone number from their systems because she does not own the phone number that they have been calling and has not had it for several years. These calls come several times and each time I have demanded that they remove the number from their system, they have yet to do so. Most recent contact was XX/XX/XXXX at XXXX XXXX Central Time. I have never owed them any money and I am tired of receiving their calls for someone whose debt is owed to them. I am filing this complaint to see what can be done to get them to stop calling my number.

Company response to consumer: Closed with explanation