BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Kriya Capital, LLC
State: OH
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:
Credence Resource management popped up on my XXXX report showing an amount of {$190.00} owed on XX/XX/. I disputed it because I had never heard of this before. No calls, letters, anything of that nature. XXXX ruled in my favor XX/XX/, removing it from my report. I mailed a letter requesting verification of the debt. On XX/XX/, Credence Resource Management showed up on my XXXX report for the same amount. I disputed it. While waiting a month for a resolution, I have not heard back from them regarding my request. The dispute was resolved XX/XX/XXXX  in favor of CRM. I have emailed to try to get more information about this debt. I have only received an email that was password protected. The password is invalid. I do not even know the account number to even try to begin to resolve this debt and my requests keep going unanswered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have a lot of problems with my Ally Account. Ally claims that I owe them currently an overdue amount of {$1600.00} for missing only one month of payment. My monthly payment is {$620.00}. I pay through my XXXX Checking account, in which this account has been previously blocked by Ally to make payments to. It took me months to get through to clear that up due to unprofessional representatives and unknowledgeable representatives. I am currently on hold making my last attempt at speaking to a representative to come to some resolution on my car payment. They post all over the place that if a person needs help due to circumstances like reduced pay, which is my current situation. I have asked for loan refinance and loan extension, I am told by representatives that there are no options for me. This is HIGHLY DISCRIMINITIVE AND IMMORAL BUSINESS PRACTICES. Please investigate and 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 2020-12-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A business associate and myself years ago purchased a condominium together ... .he fraudulently transferred it out of my name, then he was XXXX  of XXXX  from me, and went toXX/XX/XXXX For 3-5 years, I've been trying to sell the condominium in a short sale ... ... Citizens mortgage company always " goes along with the sale, '' then at the last minute declines it. Citizens mortgage has prevented a short sale of the property on multiple occasions. I'm at wits end on it. I can't sell it, they won't foreclose on it ... ..how can Citizens Mortgage company accept XXXX money XXXX and then not extend to struggling citizens a short sale? Who can address this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Sensible Auto Lending, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have a car loan that is due weekly. I get paid every 2 weeks soon the off weeks of my pay the day after the payment is due the company ( sensible Auto ) will call me 8 times a day some on my phone and some on my spouse, s phone. Even if we talk to them on the phone they will still repeat calling an hour later. My voicemail box is full for the company repetitively calling me and I only owe a little over {$100.00}. I explained to the company numerous times about my pay schedule and they still harass me. They even call me back to back when I'm at work trying to make the money to pay my payment, I have stated this to them and an hour later they call back and act like they are doing nothing wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed my credit reports from Experian, XXXX and XXXX and noticed that the reports have credit inquiries that I did not authorize. ( Provide details about every inquiry including the date and the name of the company. Mention why you believe the inquiry is incorrect ). 

I did not make the following inquiries and I believe that these inquiries are fraudulent because I did not have access to telephone, internet, a computer or a smartphone during these dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request you to investigate and remove the inquiries as soon as possible. I will be applying for an auto loan through my credit union. I may not be able to gain transportation because my credit score does not display my accurate credit standing. In case you come across data that doesnt align with my complaint, I request you to please send me the information. 

Thank you for your diligence in looking into this issue. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2021-08-27
Company: AMERICAN EXPRESS COMPANY
State: OH
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/2021, a charge of {$82.00} was added to my card. My card was stolen and this was a fraudulent transaction. However, my credit card is telling me to contact the merchant for a refund, whom, I don't know since the I never made the purchase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received a check from my accountant on XX/XX/2023. The check is my tax refund amount and was issued via a bank called XXXX XXXX. The check is for {$3000.00}. I deposited the check via mobile deposit on the Chase app on my phone and I received a notification that the check would not be available until the next day. 

After the next day, I received another notification that the check would be on hold for a week. I was able to use my account until the second day after cashing the check and Chase put my whole account on hold. 

I called Chase and asked why my account was on hold, they said that they were unable to verify the check, although the verification number is clearly on the check. I also provided them with another verification number, that is clearly presented on the bank 's website. 

Basically, Chase is refusing to release the funds and they are even holding my personal funds that are different from the check. 

2 weeks later after depositing the check, I walked into the branch to see how I could verify in person rather than verifying on the phone. They said the maker of the check has to come in with two forms of ID, which is impossible because the maker of the check is a small bank. I asked if my tax lady could come in and verify but they refused. 

I had three accounts with Chase and they only let me take out funds out of one account. The rest of the funds are still on hold. It has been 2 months and I still cant get ahold of my funds. 

On XX/XX/XXXX, they told me they would send the funds from the check plus my personal funds through a cashier check and I would receive it through mail within XXXX business days. I only received a check from them for {$46.00}. I called again on XX/XX/2023 and they are basically stating that they will hold on to my funds for two years and eventually send the funds to the government. This is ridiculous. I have been unable to pay bills. I am a single mother that depends on my funds. 

The next solution would be contacting a lawyer to see what can be done. My tax lady has even called and requested that they send the check back to her so she can issue another check to me or find another solution. They refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: JPMORGAN CHASE & CO.
State: TX
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:
On XX/XX/2020 I was billed a charge for XXXX XXXX XXXX XXXX  in the amount of {$200.00}. Someone called me under the name of XXXX XXXX to offer a travel package. I immediately found out that they were not Marriott and reported the fraud to Chase bank. Chase bank keeps telling me that the charge was good, but it was not. I have received no goods or services from XXXX XXXX XXXX  XXXX. Chase says that I did, but have not provided me with what goods or services that they believed that I received. I have no detail as to the vendor, what goods or services they are talking about, I have no contact information for the vendor.. I have written many letters to Chase to resolve the dispute. They write back without any information as to the goods and services provided ; without any information about the vendor : They just refuse to honor their policy to remove fraud charges. My advice to other is not to accept any calls from those who identify themselves as Marriott.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was discriminated against by the Chase Bank at XXXX XXXX XXXX, XXXX, CA XXXX. I was incorrectly told by the Chase banker that a XXXX XXXX XXXX XXXX is required to open a checking account. My husband called the Chase customer service phone number and spoke to a Chase telephone customer service representative named XXXX who informed him that a XXXX XXXX is not required to open a Chase checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX at XXXX XXXX I closed on a property that had a mortgage with Ditech in XXXX XXXX XXXX. Ditech 's closing instructions required a closing fee of {$550.00} to cover the cost of their attorney XXXX and XXXX XXXX to attend the closing and collect the payoff check. Both of these items were completed as required. However, Ditech posted the payoff to my account onXX/XX/XXXX claiming that they did not receive the payment until that date and that it was wired. They went on to reported to credit bureaus non payment for the month of XXXX and make additional notes inXX/XX/XXXX that have brought my credit score down significantly. They also refuse to return any of the per diem that they owe me fromXX/XX/XXXX - XXXX. I have contacted them numerous times via phone and in writing to no avail. I have also reported them to the BBB and they refuse to make adjustments. 

From a legal, professional and ethical standpoint, XXXX and XXXX acted as Ditech 's agent, extension of their company in a legal capacity and was in receipt of my payoff as ofXX/XX/XXXX at XXXX XXXX. My account should reflect the exact date and time of the receipt of that payment. Ditech 's internal process is none of my concern nor should I be penalized for their complex internal protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Navient Solutions, LLC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Company, XXXX XXXX XXXX, continues to call me on my cell phone and work phone for debt that is not mine. This debt is most likely owned by a family member who shares my name. Even if this debt was mine, they can't call me at work. I called once to get them to stop, but they wanted me to identify myself, despite them not knowing they had the right person. They hung up after I got angry. But I would have reiterated the fact they were calling me at work, which is wrong. 

The Company 's phone number is XXXX XXXX XXXX XXXX. My reference number is 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 2023-03-18
Company: Block, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2023 I called cash app to file a dispute for 1 transactions that I made online for the amount of XXXX because I never received my merchandise from the merchant well cash app denied my dispute so I called back on the XXXX, XXXX, XXXX, XXXX and each time my dispute was denied. On the XXXX I called back and asked cash app could they send me a statement stating what steps was taken to come to the conclusion that did and they sent me a receipt I sent cash app a demand letter stating that I would file a lawsuit if this matter isn't resolved and they closed my account. I sent emails to the merchants with 1 reply and nothing from the others now I am out of money and I have no merchandise. I do have documentation confirming this I even have a witness to this event also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have made numerous attempts to have National Credit Systems be removed from my credit report do to inaccurate information being reported, I did try to verify the outstanding account with the information that is being reported on the National Credit Systems website but it shows that i do not have an account. I have not had any successful attempts in getting the information updated on my credit report to have it removed. I contacted the collection agency directly and there is a different amount the what is being reported. No one is assisting me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called the original supposed debtor XXXX and their systems were supposedly down. I then tried to call the XXXX XXXX which is supposed to be the debt collection agency. The man who answered the phone kept saying " hello can you hear me now? '' I told him I could hear him fine and asked if he could hear me and he replied yes he then asked again if I could hear him now to which i just responded that I was calling about a debt. He asked for my name and I gave it. His response was " You have a very common name and I will need your social security number to look up the collection '' I told him I would only give the last 4 and if they have a debt associated with me as they claim it would bring up the account he said " Your name is too common and that even with the last 4 of my ssn he would not be able to find it without the whole number '' I told him they are trying to collect a fraudulent debt. I told him I would not give my entire Ssn to him and ended the phone call. 
I did have XXXX XXXX in the past but I had it for 4 years when I discontinued my service I A ) was no longer under contract as the contract I signed was only for 2 years B ) When terminating my services I paid my final bill and C ) I returned all equipment XXXX sent me back to them. I have dealt with debts before and I know his answers to be lies. I believe this is one of those yes scams just trying to steal information and identities posing as a collection agency. Oddly enough this supposed debt is only appearing on my XXXX  Credit Report ( this debt was supposedly from 2012. ) after their breach I am wondering if all this is a result of my stolen information

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 2023-10-16
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting 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:
I cant pull my credit report because they removed all my accounts off of my report. Please put moy open accounts back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I have recently reviewed. The report contains incorrect personal information and unauthorized credit inquiries, as well as accounts that do not belong to me. The items are as follows : Incorrect Personal Information : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request that you investigate these items, remove or correct the inaccurate information, and provide me with an updated copy of my credit report. If you are unable to resolve these issues, please provide a written explanation as to why the information is considered accurate.

Please note that I am attaching a copy of my credit report highlighting the disputed items. Additionally, I am enclosing copies of relevant documents that support my dispute. For your reference, my Social Security Number last digit is XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
i had a account with XXXX  XXXX  from XX/XX/XXXX. i paid the debt off but instead of it reporting as debt paid and closed it is wrongfully reporting as collection/chargeoff this debt was paid two years ago. i spoke to a XXXX rep on XX/XX/21, they assured me a manager was going to call and it is XXXX  & experian  who refuses to put correct status on the report this effected me horrible and drop my score over 200 points and i can not receive my fha loan for my house. i am a father of XXXX  living a middle class life. i need my credit to reflect correctly, i owe no one and this was not reporting on my XXXX  at all, i would like this to be deleted off my XXXX  & experian  asap so i can purchase my family the home they deserve its irresponsible & unfair. I sent a demand to comply & method of verification 2 weeks ago because i havent had any communication.

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