BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
i contacted my citi home depot credit card on or about XX/XX/2018 to tell them my bill i mailed them never got there so i had to cancel the check since it was stolen out of the collection box in front of the post office along with my vehicle registration to the DMV. I informed them i would make my minimum monthly payment at the Home Depot store either in XXXX, CA. or another one. and the next day i did!! yet on XX/XX/2018 I got 3 phone calls from them XXXX on Sunday XX/XX/2018 at XXXX XXXX XXXX, and XXXX. then the next morning, Monday XX/XX/XXXX they had the nerve to call me at XXXX XXXX in the morning, i answered this call and asked them why they were harassing me for {$58.00} after i called them two weeks ago and told them i had mail stolen. the rude jerk said we are required to contact you ... .er i mean we are authorized to call you when you account is delinquent. i asked him how longs my account been delinquent for? he said your 3 weeks late were allowed to call you after 3 weeks, or some XXXX like this. I asked him how am i late when i made a paymen on or about XX/XX/2018? and how many times have i been late in the past 15 years ive owned this credit card, he said he didn't have this information in front of him, but my XXXX bill is past due. so I asked him " Then why the XXXX are you calling my house 3 times yesterday, and then asked him why the XXXX hes calling me at XXXX in the morning when i just made a payment? he didn't have an answer, and started to make more excuses, so i interrupted him and asked him how much credit i was in debt for since i just called them a few weeks ago?? he said your account has an outstanding balance so were authorized to call you. I asked him so i owe you {$800.00} and you harrass me after 3 XXXX weeks after 15 years of NEVER being late, and calling you and making a payment? then i just hung up.

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 2023-07-23
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original amount was allegedly from the XXXX XXXX, it's from XXXX of XXXX and was originally {$1100.00}. I did not owe this money and due to the age of the account the amount was disputed and successfully removed from my XXXX credit report in XX/XX/XXXX. The creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX responded by fraudulently increasing the amount to {$3300.00} and changing the origination date to XX/XX/XXXX. I have attempted to have this removed, attempted to contact the company directly without success. This money was not owed by me to begin with and has had a significant impact on my credit, as well as my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XXXX dated XXXX, issued by XXXX XXXX XXXXXXXX, which recorded the XXXX XXXX XXXX  with the XXXX of XXXX XXXX. Chase now claims ownership but no documents were filed by XXXX, with the government recording agency. We are trying to ascertain the distribution and payment amounts, and close out the XXXX of XXXX. 

After we sent several letters to Chase we received a response several months later. By letter dated XXXX, Chase indicated : " ... the additional history that was requested is unattainable .... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Please refer to case number XXXX for detailed explanation. 

BBVA 's claim : A request was emailed to branch personnel on XX/XX/2020 for the following supporting documentation : copy of Driver 's License and Social Security Card. 
According to branch personnel, they contacted you and requested the documentation on XX/XX/2020 ( This never happened ) Above statement from BBVA claims that it has fulfilled its part as a financial institution. However upon making numerous calls to both BBVA card service and the branch that I submitted application, none of them mentioned about submitting my DL and SSN prior to my call to XXXX XXXX on XXXX. 

I logged all my call history between myself and BBVA to keep the track of process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The day after the due date, the XXXX, they begun harrassment calls every 3 hours. This continues 7 days a week. Ive never been 30 days late. They claim i am late at 10 days after due date. However the harrassment begins the very next day, day after the due date. I have logged all calls and plan to consult an attorney to sue in civil court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion have injuries on my report that I didn't do. I even called car place and they told me it's nothing the can do. Inaccurate info on report. Etc

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My loan servicer : XXXX XXXX XXXX is denying my rights under the Servicememeber Civil Relief Act. They refuse to decrease the percentage of my loan to 6 %

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
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 information incorrect

Complaint:
XXXX deducted 24 points from my credit score last month and I can not get a reason for this change from them. They had no reason to deduct 24 points from my score. I am filing this complaint to get this solved.

I have been working hard to get my score higher and I have been paying my bills on time and should not have any deductions from my score.

This goes on continually and there seems to be no one monitoring what the credit reporting bureaus are doing.

I want my score reviewed and my points returned and updated like they are supposed to be. I also want to know if race is a factor that is used to rate credit, since I know algorithms are utilized to manage our credit scores and is a process or set of rules to be followed in calculations or other problem-solving operations designed by man. 

Thank you. 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 2023-06-08
Company: National Business Factors
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted National Business Factors to pay medical debt and have the account removed from my credit report. They refused to allow me to pay the original balance and want to charge me interest that is not part of my agreement with the original creditor. I asked for the deletion to be confirmed in writing and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed by someone on a website who sent me a check through email, I had thought I trusted this person judging that I talked to him over the phone and he reassured me so I tried cashing it through the banking app and I later found out it was fraud and got in trouble and I'M getting punished for something that was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions Inc.
State: MI
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 have 2 XXXX XXXX accounts reporting on my credit report. The accounts were charge offs that were paid during settlement for a lesser amount. I have since launched 3 disputes with corresponding bureaus. The 3 bureaus have reported back separate payment status for the accounts.

Account 1 : Experian shows ( Current/paid, updated XX/XX/XXXX XXXX XXXX shows ( derogatory, updated XX/XX/XXXX XXXX XXXX shows ( unknown, updated XX/XX/XXXX XXXX. 

Account 2 : Experian shows ( Current/paid, updated XX/XX/XXXX XXXX XXXX shows ( Derogatory, Updated XX/XX/XXXX XXXX XXXX shows ( unknown, updated XX/XX/XXXX XXXX. 

According to the previous, XXXX XXXX is reporting different status and and not providing accurate updates from each investigation, which is grounds for immediate removal. I am demanding the immediate removal of these accounts from my credit report across ALL THREE BUREUS as they violate my Fair Credit Reporting Act ( FCRA ) laws.

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 2023-07-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX, Experian, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 Says XXXX, Experian, and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX, Experian, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Experian, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

Prohibition : a law or regulation forbidding something 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There have been a few times over the last few years that I receive a collections notice regarding this false " XXXX  '' debt. Every time I contest it, stating that this is NOT my debt. Each time it gets resolved and the conclusion is that I do NOT owe this debt. 

Last year, approximate XX/XX/XXXX, ERC claimed the debt on my credit reports with XXXX XXXX XXXX I disputed the claim of debt. I contacted XXXX and engaged in a dispute claim of false debt report from ERC. XXXX did their own investigation, concluded that ERC attached this debt on my credit reports in error, and XXXX removed the false debt off of my credit report. The Confirmation # of XXXX XXXX investigation conclusion report # is XXXX, XX/XX/XXXX. 

Today, XX/XX/XXXX, I received another letter from ERC stating that I owe this " XXXX debt '' ; account # XXXX. 

I immediately contacted CFPB for help to resolve the harassment from ERC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: CashRepublic Holdings, Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Company charged added interest and fees Loan begins with XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
DEAR CFPB, MADAM/SIR : On : XX/XX/2019. Simons Collection Agency send me a letter that I owe my provider ; XXXX XXXX XXXX the amount of : {$16.00} Than on : XX/XX/2019. I Responded via U.S. MAIL, that this debt was already PAID BYE XXXX. Today, XX/XX/2019. Around! XXXX XXXX New Jersey time. I received a telephone call from unknown male person that refuse to give me his name and He stated to me that he was calling from XXXX XXXX XXXX, asking me to give him : 1 ) my date of birth and 2 ) My adress. I told Him that i DO NOT GIVE NO NAMES OR ADRESS TO NO BODY ON THE TELEPHONE. And when i called his telephone number back he was not form XXXX XXXX XXXX. He was from Symons Agency debt collector. I called than my provider XXXX XXXX XXXX and told the lady that some body call me asking for my date of birth and adress and that was FRAUD. I also in my letter dated : XX/XX/2019 to Symons agency to please NOT TO CALL ME, NOT TO HARRAS ME, NOT TO THRETENING ME< AND NOT TO CONTACT ME ANY MORE AS PER FEDERAL AND STATE LAWS DICTATE. Thank you : Respectfully yours : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: IL
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 have sent letters to the three credit bureaus Experian, XXXX and XXXX to remove a charge off for a vehicle thats on my credit report and neither companies complied. I have written them twice to verify this account and provide me documentation verifying this account and they havent sent me anything verifying this account is mines. XXXX is reporting an incorrect name on their report as XXXX XXXX XXXX when my name should be XXXX XXXX. Also I have requested to have inquiries that do not hold any accounts on my report past 30 days to be removed also. Please take action as soon as possible!

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 2021-03-02
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX Balance : {$730.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX Balance : {$580.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Balance : {$560.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX XXXX Balance : {$550.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX Balance : {$0.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chime Dispute Number : XXXX XXXX ATM Case Number : Case XXXX On Wednesday XXXX, XXXX at XXXX I utilized the company XXXXXXXX ATM inside of my local XXXX located on XXXX XXXX XXXX XXXX XXXX . The machine didnt dispense any of {$140.00} nor gave me a receipt. I checked my chime account and I was still debited for the {$140.00}. I notified the XXXX employee and she just put a " out of order '' sign up on the machine and instructed me to call the the XXXX number on the back of the ATM. Well I did just that and was told I would have to file a dispute with my bank. Well on XXXX, I phoned my bank ( Chime ) and filed a dispute and the same day they denied it without even really investigating it. I then reached out on the XX/XX/XXXX to see why I was denied and they emailed me a letter of them saying why and decided to reopened the claim. Well now I was told I was eligible 100 % for the provisional credit since I have emailed and uploaded proof to XXXX. The date I was given was XXXX and the day has came and went. Now when I call chime and ask about why I havent receive it ; they just read to me " word to word '' about the rebuttal states that I should receive it on XX/XX/XXXX and their still investigating. Well their policy states ( which can be found on company website ) that if the investigating lasts more than 10 days they would issue this provisional credit ; in all honestly, its been more than 20 days and I still havent been issued a refund for my money I never received out of the ATM. Im just getting employees who are employed by chime to keep reading me rebuttals and a typical generic resolution call flow off a computer screen and not getting any real updates about my investigation. At this point, im willing to get a sheriff out to the store to retrieve footage because XXXX ATM merchant has not been out to the ATM to service it since I reported the fraudulent activity nor have been out to check to see if theirs extra money in the tray that I debited from their ATM. I need help and Im willing to bring in legal help in on this case if it isnt resolved before the New Year. Thank You for future reference for helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
specialized loan servicing was the company that on XX/XX/XXXX send me a certified letter that i have 90 days to pay past due amount of XXXX by XX/XX/XXXX i will be forclosed on. the loan was modified in about XXXX from XXXX XXXX  XXXX. i have never been late since this was done... why would anyone wait almost 15 years to send a certified letter to forclose and not send it a year into the loan. loan amount i found out was XXXX now over XXXX is do,, i dont remember this, its should have been with modification. i also was in bankruptcy at the time of ythe housing crash. 

also note at the time my name was XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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