BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-03
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 am a victim of high capacity data breach in 2015. The thief was able to take my information as well as millions on others and sell it over the dark web and this resulted to attempts at my credit without my permission and the home loan from XXXX Mortgage 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 2020-06-02
Company: Experian Information Solutions 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}, {$0.00}, {$0.00}, {$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 XX/XX/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. 
-- STUDENT ACCOUNTS -- 1. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XXXX XXXX XXXXXXXX with a balance of {$0.00} -This is not my account. 

3. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XXXX XXXX XXXXXXXX with a balance of {$0.00} -This is not my account. 

4. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit 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 2018-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2018 i deposited roughly XXXX into an atm on XXXX XXXX XXXX, XXXX, NY XXXX the machine gave back about XXXX then told me to take my card. i then deposited XXXX into the next atm but it didnt show an initial deposit. i talked to the bank and they are saying its going to take 10-45 business days to get my money back. that is too long. I need the funds today this is not fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Please refer to the CFPB complaint # XXXX submitted on date XX/XX/2018 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have chase premier checking account. When i am trying to withdraw money from it - I am having various issues : 1 ) If i am using quick pay using XXXX - it says email address already exists. Of course it exists as i did the transaction like that 2 weeks back. So what chase want - for every such transaction create a new email address? 2 ) When entering ABA routing # and the a/c # - then it says that this a/c exists with another customer 's profile??? what???? what should i do? There is no way it allows me to take out my own money ... .called the toll free # ... first first line support and then the supervisor ... paethetic customer service who simply wants to verify me first with my Debit card 16 digit # and the PIN ... i offered them other ways to verify them but they were not moving ... so nothing can be done. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- At that time - at least 5 times Chase reached out to me during my work time - 5 times 4 different folks. Every body assured that they are working on this issue but even now this issue is now fixed.

Today i tried to transfer out money from my chase business account to my ally bank account and faced the same issue.

Neither i can transfer using the ACH ( routing # and the account # ) nor using XXXX. 

They said they are merging both the profiles..but nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Selene Holdings LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In reference to Selene Finance .... 

I have contacted Selene with the problem at hand. First of all. 

I received 3 different letters from them regarding my escrow acct. They say that we have a shortage. The first letter dated XX/XX/XXXX saying we owe {$530.00}. Then I received the second letter dated XX/XX/XXXX saying we owe {$440.00}. Of course these 2 letters say that they have automatically divided the shortage by 12 and included in my monthly payments. This has increased my payment to {$60.00} more a month. I then received another letter dated XX/XX/XXXX saying we owe {$280.00} and that it had to be in by XX/XX/XXXX. So I wrote the check and mailed it on XX/XX/XXXX. It was received by them and cashed on XX/XX/XXXX. 

I called them in the beginning of XXXX to pay my monthly payment, I was told that they would not accept my payment because it was not the full amount, the escrow was added on. I explained to her that I already paid the shortage, she read all three letters that was sent to me, and that she still insists that I did not pay the correct amount. So for the next 3 weeks I have been trying to pay and kept getting the run around. She states that she was going to transfer me to her supervisor. I left a message and have not heard back from them since. I have called at least 6 times with no solution at all. I wanted the number to the escrow dept and was told that they do not have a number.?? What kind of XXXX is that? Big company that has no phone??? Seriously. I am not a happy person right now. They better not try to report my acct to the credit bureau 's either, because none of this is my fault. I was reading the reviews for this company and I agree with a fair amount of complaints on the XXXX site that this company needs to be investigated. 

I have been diagnosed with XXXX XXXX, and do not have the energy to fight with this company. We are living on one income and they have not in anyway tried to help us at all. They say that we have to wait 2 years until we can apply for a loan modification and there is nothing that they can do to help us. But, SOMETHING HAS TO BE DONE. It is not only my mortgage, but alot of other people are being greatly affected by them. 

PS. We did not chose Selene to be our mortgage company, we were with XXXX who then sold our acct to them. Before that we were with XXXX, XXXX and XXXX who embezzled our escrow money along with alot of other customers, and were investigated by the FBI. And we never got our money back from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
At the beginning of XXXX, 2021 I was alerted by XXXX that my account with Chase was frozen due to fraudulent activity. Had XXXX not notified me, I wouldn't have known, tried to use my debit card, been declined XXXX embarrassed ), etc. When I called the number provided by Chase, they wanted my debit card or account number over the phone. Seeing that I had already filed an id theft report, I was not willing to do so. I went to the local branch to find out what the problem was. XXXX, the Customer Service XXXX, got on the phone with the fraud department & all they told him was that Chase wanted to sever ties with me, due to fraudulent activity. No reason why, just be close my account ( s )! Chase has made me feel like a criminal, when I have done nothing wrong! I'm still waiting on a letter ( was told 7-10 business days XXXX explaining what was fraudulent! I am appalled at the way Chase handled this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
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: Account information incorrect

Complaint:
Item 1 : XXXX XXXX XXXX  account balance {$400.00} is not correct, balance is zero. 

Item 2 : XXXX XXXX  account # XXXX is not on credit report. 

Item 3 : XXXX XXXX account # XXXX is not on credit report. 

Item 4 : XXXX XXXX account # XXXX is not 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 2018-07-29
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I had fraudulent activity on a credit card XX/XX/2018. I used online services to report and request a fraud alert with XXXX, XXXX and Equifax. 

I reported the same information to all three agencies. However, EQUIFAX DOES NOT HAVE MY ADDRESS CORRECT IN THEIR SYSTEM. There have been no clarification requests from XXXX  and XXXX. Equifax however, keeps repeatedly sending a form letter that states " the identification you provided does not match our records. '' I spoke to an Equifax rep and her supervisor without resolution, faxed the requested verification documents without resolution and, after I received the same form letter again on XX/XX/2018, sent by certified, return receipt mail the requested documents a second time. The certified mail number was referenced in the cover letter and EQUIFAX SIGNED FOR THE CERTIFIED MAIL ON XX/XX/2018. EVEN THOUGH EQUIFAX RECEIVED THE REQUESTED INFORMATION ON XX/XX/XXXX, ON XX/XX/2018 EQUIFAX SENT ME THE VERY SAME FORM LETTER AGAIN. 

I have twice provided Equifax with the requested documents to make the correction in their system. I have had no credit inquires, do not have a mortgage on my Indiana property, do not have a car payment, have not applied/opened a new credit card, have not closed a credit card, pay all credit cards in full each month, etc. There have been no requests from any other agency, I receive bank statements, bills, etc. timely. The problem very clearly rests internally with Equifax with no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: General Motors Financial Company, 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:
Americredit / GM Financial is preventing me from purchasing a home for my family. During the first quarter of this year, Covid-19 became a global and national pandemic. Fearful of major income loss, I communicated with all creditors to prevent any future financial / credit issues. Being that I was in good standing and current with my auto lender GM Financial, they offered me forbearance " arrangement '' of the loan. I made a large payment of {$1700.00} in XX/XX/2020 when my forbearance ended ( even though I was offered an extension by GM Financial ), another payment was made in XX/XX/2020 for {$3000.00} following me paying off the full balance of the vehicle in XX/XX/2020. GM Financial is damaging my good name and character by inaccurately reporting late payments, inaccurately reporting the account balance, inaccurately reporting the loan term incompletely reporting date of last activity to the three major credit reporting agencies ( XXXX, XXXX, XXXX ). Section 623 of the Fair Credit Reporting Act ( FCRA ) requires furnishers to provide accurate information to the ( CRA 's ) &  correct any identified issues when aware of them. Section 4021 of the Cares act also mandates on how to properly report accounts in forbearance during the Covid-19 Pandemic. I have reached out multiple times to GM Financial and spoke with multiple supervisors and departments in order to correct this errors. I was assured that the late payments would be corrected and that I would also receive confirmation by mail, as of XX/XX/2020 there has been no resolution or correction. The balance reflected on my credit reports is affecting my debt to income as well as erroneous late payments are affecting my ability to obtain a mortgage. I have no other option but to reach out for assistance since GM Financial is in willful and negligent noncompliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Several of my accounts at Chase were victim of ACH fraud which was first discovered on or about XX/XX/2018. On XX/XX/XXXX, I received a call from Chase criminal fraud regarding a suspicious ACH transaction. I reported that as fraud. Subsequently we discovered that multiple accounts had been attacked. In one case we know the perpetrator and have filed both local and federal complaints. 

I suggested that all accounts I had at Chase should be closed and reopened. My Chase banker told me that wasn't necessary. Subsequently, on or about XX/XX/XXXX another account was attacked and approximately $ 200K was withdrawn. Chase has investigated, accepts responsibility, and has allegedly attempted to return the funds. The failure to return the funds is the subject of this complaint. 

I have had *numerous* conversations with my Chase bankers and various escalations departments in the last month. Chase 's back office has *repeatedly* misrepresented the status of the claim to both me and my Chase bankers. These misrepresentations have ranged from whether the fraud complaint was actually filed, to whether and when cashier 's checks had been sent, to what location they had been sent and when they might arrive. 

As we sit, Chase says they have sent not one but TWO roughly $ 200K cashier 's checks to a location in another state that they will not disclose but which is not the address on my account ( about a year ago I spent several hours in person with my banker assuring the correct addresses and signatories on my accounts ). 

Now, in order to replace the funds, Chase is requiring me to sign an affidavit which among other issues has me aver that I have personal knowledge that the alleged checks were lost, provides Chase a unilateral right to require me to get a bond for the checks, and worse has me indemnifying Chase for any loss with respect to those checks. 

Chase repeatedly misrepresents what the affidavit actually says, saying that it only refers to my personal actions. 

This issue has been escalated within the branch banking structure, the customer service infrastructure, and what was referred to as the " executive escalation '' group. The last conversation was with XXXX XXXX with executive escalations who provided case number XXXX. XXXX was engaged and seemed to understand the problem. We were to have an update Friday. No update. 

As instructed, I have not attached the actual fraud complaint forms for Chase as they contain the account numbers in question. If you need them, I am more than happy to provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-15
Company: EQUIFAX, 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 recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My account was set up for auto payments and the autopayments stopped causing late fees to occur and now a derogatory report on my credit file which has seriously lowered my credit score. 

5th 3rd bank did not call, text or email me to notify that I was behind or attempt to collect the late payments, I found out that payments were not made when our credit monitoring service notified us of a derogatory report for late payments. This happened XX/XX/XXXX and I was assessed a late fee and happened again XXXX and XX/XX/XXXX. 

XX/XX/XXXX {$570.00} with a {$28.00} late fee XX/XX/XXXX {$570.00} with a {$28.00} late fee Upon seeing the derogatory report, I immediately logged in and made the payment, then called the company. The customer service representative transferred me to installments so I could set up the autopayments and try to figure out why they were abruptly stopped. The representative in installment loans/auto bill pay could not explain why the autopayments stopped and showed no record of myself or my husband making this request ( because we would not have done this as we rely on this for consistency ). I requested to be transferred to the credit department so inquire about having the derogatory message removed from my credit report and was told that this would not be happening, even though I was not the cause of remark being there. I was told that I was not enrolled in autopay even though I had just transferred from enrolling in the program, was told that was not possible. This was the same call, on the same day after 5-6 transfers from representative to representative, setting up a monthly autopay amount of over and above the monthly requirement, and then told by the credit department this was NOT possible. After another representative clearly read to me that I WAS in the autopay and program correctly identified the bank the money is taken from. The last representative transferred me to his supervisor and of course, we got " disconnected '' ... .the line goes dead.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  is trying to collect a debt from two accounts that I don't know about and have taken negative action against me by damaging my credit and credit score. I have no documents, agreement, or contract with XXXX XXXX XXXX  that's damaging my credit, hurting my credit score, and preventing me from obtaining employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is not my account. I'm unware of this account and did not have the opportunity to dispute before this information was placed in my credit report. Please provide the validation of debt, method of validation and assignment of debt. 

RESURGENT/LVNV FUNDING # XXXX Please remove account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Credit Bureau is reporting a business account on my personal profile. The account only started to be reported after a 60-day late remark which was in direct result of covid 19. I'm in the process to apply for a mortgage and this could potentially cause me severe damage.

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