BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
Company: JPMORGAN CHASE & CO.
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: Was not notified of investigation status or results

Complaint:
XX/XX/2020 I purchased some XXXX XXXX components from Amazon. One was ordered by me incorrectly and I received an authorization to return it and order the correct one. This I did and Amazon notified me that they had received my return and had shipped the correct item. The transactions took place using my Chase Bank Amazon VISA card. 
I received my Chase Amazon card invoice in XXXX and did not see the credit for the returned item and wrote Chase a letter on XXXX regarding this matter. Copy enclosed as first attachment. 
Upon receiving my Chase Amazon card invoice for XXXX, the credit was missing but interest on the disputed charge was included. I therefore sent a certified letter to Mr. XXXX XXXX, copy enclosed as attachment 2, and included my check # XXXX in the amount of $ XXXXwith an appropriate explanation in the letter. The USPS submitted to me signed hard copy indicating receipt of the letter by Chase. To this day the check has never been cashed, however. 
Subsequently, the Chase Amazon card invoice for the following month was in error and I therefore wrote a second certified letter to Mr. XXXX dated XX/XX/2020. A copy of this is provided as attachment # 3. Once again the USPS also provided me with signed hard copy indicating receipt of the letter. Also this time check that I included to pay the accepted charges was cashed. 
I received on Saturday evening XX/XX/XXXX at XXXX XXXX  a broken up voice mail from a lady in the " executive office '' of Chase. A month later ( XX/XX/XXXX at XXXX XXXX ) I received another voice mail this time from from XXXX in the executive office. While this one was clear enough to understand, I did not respond to either voice mail as I prefer to conduct business in writing where proper thought can be given before responding and fewer misunderstandings occur. I felt that having sent several letters this would be understood by any responsible party particularly given the complexity of this dispute. 
With no written response from Chase, I learned that Chase reported me to the credit reporting agencies and my credit score dropped from the 800s where it has been for as long as I can remember to the low 700 's. Then on XX/XX/XXXX they sent me notice that they were reducing my credit limit on my other Chase card to {$500.00}. While not certain, I believe it had been somewhere between {$10000.00} and {$20000.00} prior to this slap on the wrist. 
I have followed XXXX XXXX 's career prior to his going to XXXX XXXX  and, while I really did not expect these letters to actually reach him, I believe he would be extremely distraught to learn of the actions - or lack thereof - of his " executive office '' staff.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
*In accordance with the Fair Credit Reporting act XXXX XXXX Partial Account # XXXX, has violated my rights. 

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 a account without my written instructions *In accordance with the Fair Credit Reporting act XXXX XXXX partial Account # XXXX, has violated my rights. 

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 a account without my written instructions *In accordance with the Fair Credit Reporting act XXXX XXXX partial Account # XXXX, has violated my rights. 

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 a account without my written instructions *In accordance with the Fair Credit Reporting Act XXXX Partial Account # XXXX, has violated my rights. 

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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Westwood Legal
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They insisted I owed a medical debt from 2003. They said I had 24 hours, and basically nothing could be done. I had to call 5 times to beg them to just update my contact information, and give me any information on the debt. All they would tell me at first was I had 24 hours, the medical debt was held in-house by a hospital for 16 years then given to them. I tried to explain that I had no problem checking into the debt, but I needed information, since it was 17 years ago. I finally on my 5th call, started by verifying the line was recorded, I said wanted to work with them, gave them my updated contact information, and the lady agreed to give me 24 hours to review an email which came through docusign with no email to dispute this. She told me there was no disputing, and that information would be filed with courts and " turned over to my social '' in the morning. They claim to have camera footage of me entering, and exiting the hospital. I have no way to even look into records 17 years back within 24 hours. They did not want to update my name or address. I was insulted, and hung up on numerous times. I only spoke kindly to them. I did make the mistake of verifying my social security number, which was the first thing they did. There is no legitimate company information or website. Also I have found th exact same scenarios of other 's tied to their phone number.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-08
Company: CAVALRY INVESTMENTS, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 my bank account was charged for 2 amounts labelled XXXX XXXX. First was for {$120.00} processing fee, second was for {$2500.00} XXXX XXXX County with Funds. Spent 2 days trying to find out from my bank what this was and contacted township tax collector, since I thought it might be the tax portion of my mortgage payment. Finally found out it was a collection put through by the court by Officer XXXX XXXXAttached is the reply I received from him. 
Mr XXXX The docket you listed below is for a judgement that was filed by attorney, XXXX XXXX  XXXX. on behalf of plaintiff Cavalry SPV. XXXX XXXX XXXX   phone number is XXXX. You may contact them for more information regarding this matter. 

Thank you Officer XXXX I have had communications in the past disputing the charges on this account which was originally held by XXXX. I do not have any records saying that this was going to the courts for a judgement or that I could dispute it. The amount charged was not what I had with XXXX, and considering the fact that after this debt was purchased for probably a few cents on the dollar, These parties made an exhorbitant profit after XXXX wrote it off as bad debt. Also XXXX never made an effort to work me me to straighten it out. 
Would appreciate any help you can render. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, Dovenmuehle Mortgage took over my mortgage from XXXX XXXX  XX/XX/2018. Since then they refuse to post my XX/XX/XXXX and XX/XX/XXXX payments I made on a timely basis. They have added late charges and forwarded mitigation paperwork. I have called their customer service every day to get this resolved and they keep saying we will know something in ten days. This has been happening since XX/XX/XXXX. They have my payments and they are showing on line, though they have not taken off late fees and still will not credit my account. I am so discouraged. Where do I turn? 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: AMERICAN EXPRESS COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX a portion of my pay was direct deposit into Bluebird account in the amount of {$320.00}. Bluebird has set aside account like savings accounts tied into main checking I transfer {$310.00} into set aside account. Later I looked on my online account and someone got into my account transfer {$310.00} back into the checking then did a p to p transfer of {$320.00} to a person I do not know nor did I do this transaction. I called customer service the rep from fraud himself said your account was hacked into you need to change your password. I changed password filed the dispute the next day I got email denying my claim. Then I got email stating my account was locked someone tried getting into account again I called customer service back the next day spoke to fraud stated again I did not do this. I was advised to change email and all they could do is refill claim. Today is XX/XX/XXXX and I have heard nothing. I know claim will be denied. Wheres my protection Bluebird states they are alternative to checking I am very upset and need my hard earned money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2019-05-14
Company: Synovus Bank
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 I mailed a payment in the form of a money order First Class, Certified mail to First Progress in an attempt to satisfy a debt they stated I owed in the total of {$120.00} to the following address that was given to me over the phone by their company and was also reporting on my credit report : XXXX. XXXX XXXX XXXX XXXX, Tennessee XXXX. On or around XX/XX/2019 I contacted XXXX XXXX to find out if they had received the payment, since I had not received a receipt or any correspondence, and a representative from their company stated that they had not received my payment. However, when I checked the tracking number it states that the letter and payment I mailed arrived XX/XX/2019 at XXXX am to a Postal Facility in XXXX XXXX, TN XXXX and was " Delivered, Individual Picked Up at Postal Facility XXXX XXXX, TN XXXX '' at XXXX XXXX on XX/XX/2019. When I questioned the First Progress representative about who may have picked up my payment they informed me that I had mailed the payment to the wrong address. I am certain that I addressed the payment to the same address that they gave me over the phone when they called to collect on the debt and the same address that was reporting on my credit report. I would like to dispute this account that is reporting on my credit report as if I still owe a balance on the account when in fact I paid the account in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a letter from XXXX XXXX Back dated on XX/XX/2019 stated that I need to further provide information, otherwise, the credit card application will not be approved. Upon the time, I was aware something wrong, so I checked my credit report, it did show XXXX XXXX requested my credit report on XX/XX/2019, but the customer Rep at XXXX  said XXXX XXXX requested credit report but did not have a track of credit card application. Just over a weekend, I received a full pack of information included a credit card from XXXX XXXX on XX/XX/2019. I called XXXX XXXX and asked to close the account on XX/XX/2019. 

First at all, I did not submit the credit card application ; secondly, I did not reply the requested further information, but the credit card was still approved and sent out. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Per my previous CFPB compliant XXXX ( attached ) I reported that TransUnion is in violation of FCRA 623 ( a ) ( 6 ) ( B ) which states " If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency ''. TransUnion 's mailed response ( attached ) states " the document submitted does not appear to be a copy of an official valid law enforcement report that we can accept as an Identify Theft Report ''. I have repeatedly submitted official FTC Identity Theft Report # XXXX ( attached ) to TransUnion via mail as well as via CFPB but TransUnion refuses accept as official. Per the FTC ID Theft Recovery Steps document highlighted page 4 ( attached ) a consumer " may choose to file a report with your local police department ''. This is NOT a requirement of the FTC. Also TransUnion 's own Fraud Victim Checklist page 2 highlighted ( attached ) states " contact government agencies, such as the Federal Trade Commission ( FTC ), to report the fraudulent activity '' and " Download the FTC 's Universal Fraud Affidavit ( https : XXXX ) ''. Nowhere within TransUnion 's checklist does it state that a local police report is required. That said how is it that TransUnion states in their complaint response letter that they do not recognize my FTC ID Theft complaint as official while TransUnion 's own ID Theft Recovery Steps document specifically states to contact the FTC to report fraudulent activity via the FTC universal Fraud Affidavit? TransUnion 's failure to block this item from my credit report is a clear, indisputable and deliberate attempt to cause harm to my credit rating and a blatant violation of my rights under the Fair Credit Reporting Act. Failure to block this trade line will result in a formal complaint against TransUnion to the Federal Trade Commission as a well as explore any legal remedies of which I am entitled under the FRCA. 
.

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 2020-02-10
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:
Related complaint # XXXX XXXX XXXX XXXX has replied to my complaint by stating that they will no longer report this item on my credit report. They have however notified me that it will take 60 days for the credit bureaus to update their records.

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 2022-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have been with capital One for over XXXX years and they refused to give me any form of credit line increase they go off of and effort information from my credit report I have provided done with all accurate information and they still refused to review or do a manual credit pull for my application

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I referred XXXX XXXX business account to Regions from my business referral account, and she recently received her {$150.00} incentive as part of the Regions referral program. I never received mine ( while I was the one who referred her business from mine ), and over the last few months, Ive contacted Regions technical support multiple times since the account wouldnt even let me log in to the referral portal. The error message has reflected either Login Failed or Connection Unsuccessful. Login failed. In XX/XX/XXXX, I was given the ticket number XXXX. Ive spoken to at least 10 representatives about this issue, have spent hours on the phone, and I even went in branch and followed up with emails to XXXX XXXX and XXXX XXXX ( XXXX branch ) neither of whom replied to a single email I sent. Everyone insists the issue will be resolved and then absolutely nothing happens. I also never got the incentive for person who referred my business account ( and neither did they ). 
Talked to XXXX on XX/XX/XXXX ( dialed XXXX ), and shes submitting a request to the marketing team to look into why I didnt receive the one for XXXX. She couldnt explain why XXXX wouldve gotten mailed out while mine didnt, and said she could see where all requirements were met. She also said the marketing ticket number can not be provided. XXXX said she would contact me by email. I obviously have no trust or faith that this will happen given Ive been transferred to many departments and have spoken to so many reps all of whom have not provided any resolutions over the last few months. Its extremely disappointing that shes saying a technicality prevents the incentive for XXXX referral of my business when there were technical issues setting up the account due to them combining personal and business accounts with the same login. They even made me update my login credentials after opening the 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 monetary relief
Consumer complaint received 2020-02-19
Company: MOHELA
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested validation of this alleged debt many times from the companies reporting the debt, such as XXXX XXXX and XXXX. The original creditor Mohela could not provide proof of the debt in which it was removed from XXXX and XXXX, However XXXX has failed to provide me with any valid documentation supporting the alleged debt. The original creditor is Mohela and the account number is # XXXX. According to the FCRA proof of this debt is required in order to report it to the credit bureaus. I have filed a police report in regards to this fraudulent activity and I have not been notified by either party involved with my compliant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: ONLINE Information Services, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
COLLECTOR IGNORED CEASE AND DESIST ORDERS AND CEASE COMMUNICATION NOTICES. THEY HAVE VIOLATED THE DODD FRANK ACT FOR THE LAST TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 disputed the following Collection Account with TransUnion & XXXX - I am in the process of disputing with XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance -  XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements. 

I want this illegal Collections account removed from all 3 of my credit reports immediately & all collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.

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 2020-11-28
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:
Im a victim of idenity theft by a family member which im currently seeking legal action

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