BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-13
Company: Experian Information Solutions Inc.
State: TX
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 DO NOT RECOGNIZE THIS COMPANY nor the Original Creditor that's showing. I've disputed in both XXXX and XXXX and XXXX the account and it came back verified. I have requested method of verification on XX/XX/2018 and AGAIN in XXXX for this account of XXXX XXXX XXXX XXXX ( XXXX XXXX ) was told to contact the creditor. Based on FCRA 611 ( a ) ( 2 ) ( B ), I was supposed to receive all of the relevant information used in the investigation to " verify '' this as a valid debt/account belonging to me. I only received a notice telling me the account was verified and to contact the creditor. WHICH I HAVE and they have NOT been able to send me any valid documentation that they own or have right to any accounts belonging to me. If this is unresolved, I do plan to contact the XXXX XXXX XXXX and the FTC and FCRA about the false information that is remaining on my report without any validation or verification that it belongs to me. 

Experian mailed me a document stating the account was verified. I have requested METHOD OF VERIFICATION. Meaning what documented proof was given by the creditor to Experian that this account belongs to me. I have yet to receive any of this information other than a letter from Experian stating the creditor verified the account belongs to me. I need to see what and how this account was verified because I have not seen or received any PROOF of this from Experian or XXXX XXXX XXXX XXXX. XXXX and XXXX  have since removed this account due to the information being UNVERIFIED and I expect Experian to do the same.

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 2019-01-16
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:
I dispute XXXX XXXX account for payment history. The payment history is incorrect for XXXX XXXX account on my credit report. I am requesting that XXXX XXXX account is deleted off my credit report and credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14
Company: JPMORGAN CHASE & CO.
State: VA
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:
I am a Chase account holder of a Chase Freedom Unlimited credit card. In my online portal ( to which I have to login ) - I received a targeted offer for a Chase Freedom credit card. The offer stated in large letters " Because you are a Chase customer, just provide the information below and get a decision in seconds! '' I provided the requisite information and submitted the application. Chase pulled my credit card. Chase subsequently not only did not provide a quick decision on the application, but kept it pending until I called in on XX/XX/2018 as I heard no additional feedback other than the application was pending. When I called in, I was told that I had to prove it was me who applied by providing a copy of my original social security card. I offered to provide a copy of my ssn through my XXXX or tax forms as those were readily available. That was denied as only a copy of an original ssn card would suffice for Chase Bank. I applied through my logged in Chase portal - my identity should have been immediately verified once I logged in successfully and prepared an application/ This is a huge inconvenience for me as I wouldn't have applied had I know Chase was not intending to honor their statement : " Because you are a Chase customer, just provide the information below and get a decision in seconds! '' Now I have to go to a social security office to get a copy of my social security card because its not readily on hand and alternate verification for Chase are not sufficient. I believe this is unfair/deceptive trade practice by Chase Bank. I believe their targeted ad was intentionally misleading to me as a current Chase Bank customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: EQUIFAX, INC.
State: AK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Contacted XXXX  on XXXX XXXX discovered account balance on Paid account listed over 900 dollars. Tried to file dispute and was blocked from filing dispute on the account. 

I also tried with XXXX  via XXXX XXXX of which I am a member and they have added information to my account access as to who is my grandfather and asking for his first name. I have never given this information and once again feel my private non public information is compromised via a third party source. I am XXXX years old and know who my grandparents were. They had or have nothing to do with my financial life. 

I subsequently contacted XXXX  XXXX regarding this matter and they sent me a letter noting I owed nothing on this account RE : Case Number XXXX phone Number XXXX. Finally I am tired of having to disclose any personal private public or any familial information regarding my finances. I realize that you are not in a position to offer legal advice, however is this a matter I can take up with an attorney since these agencies are continued to abuse our good names with their refusal to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello XXXX and XXXX XXXX here. We were approved for HAF Homeowner Assistance Fund back on XXXX and the XXXX have told us that they would be sending the payments to our Wells Fargo Mortgage beginning XX/XX/2022 for 18 months and by the time you receive this letter it will be XX/XX/2022 and Wells Fargo hasn't processed the payment yet as the XXXX have told us that the payment was sent on XX/XX/2022 and it was up to Wells Fargo as of XX/XX/2022 to release the funds and apply them into our account. We do not know who else to contact .... 
Thanks again and God Bless. 
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 non-monetary relief
Consumer complaint received 2019-09-10
Company: First Data Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
XX/XX/2019 I went to withdraw money off my work card and the atm declined, so I logged into my account and saw that XXXX took {$570.00} off my card which was unauthorized, I have XXXX  as a carrier. I contacted XXXX and got nowhere, so I decided to contact XXXX XXXX and they sent a new card XX/XX/2019 and a dispute form. I did everything they told me to do I emailed the forms back Friday XX/XX/2019 at XXXX have been calling them everyday to check on updates and kept getting the same answer we are still processing your claim. So I called Tuesday XX/XX/2019 and they said they needed additional so 10 minutes later I wrote up a letter stating what happened. Later that day between XXXX and XXXX I contacted them again to get updates on the letter I sent earlier that day and they said my investigation was closed the last night the night of XX/XX/2019, nobody told me that I just proceeded to continue to send in documents they asked for every time I called and they told me I would have to wait for a letter in the mail to appeal. One associate told me I would receive my credit on day 10 which was a lie because XX/XX/2019 is day 11 and they closed my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was charged for an XXXX XXXX account without my permission. When I tried to get a refund they closed the account they kept me on the telephone for an hour trying to prevent the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Caliber Home Loans, Inc.
State: SC
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:
I couldn't make my mortgage payment due to COVID and worked with Caliber to correct this. They claimed this as a natural disaster - like they were supposed to but also hit me with a 90 day late. this was not supposed to happen and it is effecting my score. This was never supposed to be reported as a late and they stated that to me when i called. My credit report shows different.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Meade Recovery Services, LLC
State: UT
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:
Meade Recovery Service # XXXX is reporting a new collection on my credit report, however I never got any notice for this collection nor did I get my 30 day right to dispute letter. I had no idea this collection existed until it showed up on my credit report. They also have my information incorrect and I am settling it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit ( XXXX ) is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a complaint against Transworld Systems and XXXX. I am in receipt of a statement dated XX/XX/XXXX ( attached ) which indicates an account balance of {$5300.00}. I called the number for XXXX collections on the statement to make payment arrangements. There was no option in the automated call system to speak to a representative at XXXX. The system told me to call a different number which I did. At that point I was connected to Transworld systems. The representative told me they have had the account since XX/XX/XXXX. Further I was told the balance I owed was over {$6300.00} due to a 'collection fee '. 

-I received NO notification of transfer of my account from AAFES to a third party or of any punitive fees being assessed since XX/XX/XXXX -Payments have been made to AAFES through out XX/XX/XXXX -There is no disclosure or itemization of any fee on the statement ( see attached ) -This is a PREDATORY debt collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Upgrade, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Your card product has some issues. Lets start with the one Im most annoyed with currently that I believe to be the biggest UDAAP risk to upgrade ... there is no way to schedule a payment close to your statement cycle date, and the payoff option is also not available. I wanted to payoff the card on Friday before the account cycled, but was unable to. The closest it would let me get was the day after my statement cycles. And before you say, oh, you could have called us, just know I tried and I sat on hold for almost two hours waiting to get to a person. 

Because the upgrade card is less of a card product and more of a line of credit product, you are not charging compounding interest, you are charging daily simple interest. I am unable to keep myself from receiving this daily interest charge between XX/XX/XXXX when I wanted to pay my card and XX/XX/XXXX when the screenshots below say I could pay my card because your system unfairly disallows customers who want to pay off the balance in full. Also, you are then causing a trickle down effect with your already incredibly delayed credit reporting - now my account wont show as paid in full for two months which can adversely impact me if I am trying to get credit elsewhere. 

This brings me to my next point. The way the card is presented to the bureaus is deceptive at best. You call the product a card but in your metro2 reporting, you represent it as a personal loan. Maybe somebody got lazy when you were building the product and didnt want to create another metro2 file every month, but it has negative consumer impacts. You are not showing the available credit, you are not showing it as revolving, you are constantly editing the highest account balance with every new report because they see the trade line as essentially new. If I thought it would get me anywhere, Id have filed an FCRA dispute by now, but I know it wont. 

Third issue Im currently facing with my upgrade card - your company does not follow NACHA requirements. There is no way for a customer to cancel their payment on your website and obviously hiring enough people to answer the phone is a challenge. You need to rework your payment confirmation emails to contain all of the necessary pieces of information to remain NACHA compliant as well as allowing self-service options for cancelling payments via app/web.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: CW Financial
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was called at work by Crestwood management at XXXX. They threatened legal action for a pay day loan received in 2014, over 7 years ago and past the statute of limitations. When I refused to pay they stated " See you in court '' and very rudely told me to hang up. When I informed them that I was going to file a consumer complaint the person on the other end asked me, " are you having fun yet? ", laughed and hung up the phone.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-10
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I was contacted by my loan officer due to me trying to purchase a home and was informed that a credit card from XXXX XXXX XXXX XXXX was on my credit report with a balance of {$460.00} that was opened in XX/XX/XXXX and closed XX/XX/XXXX. I contact XX/XX/XXXX and informed them that this is not my debt and need to submit this to the fraud department and ask them where did they send this card. They informed me that they sent the card to my current address ; however I never received this card. I then ask them was there an email address or phone number on file they said no. They informed me the debt had been sold to Jefferson Capital Systems which they are sending me an affadavit report because they said they did not receive any Identity theft report from XXXX XXXX XXXX XXXX which I sent to XXXX and XXXX XXXX XXXX XXXX said they had received on XX/XX/XXXX and electronically sent over to Jefferson Capital. Identity theft report will be attached this information as well. I informed XXXX XXXX XXXX XXXX that they are the original creditors and need to investigate and REPORT THIS AND REMOVE FROM ALL 3 CREDIT REPORTS IMMEDIATELY. I have also called all 3 credit bureaus and reported as FRAUD AND PUT FRAUD ALERTS ON ALL REPORTS AND SENT IDENTITY THEFT REPORTS AS WELL. Please Please have them remove this information the account number is XXXX. Also this account was opened after my Chapter XXXX  which I filed in XX/XX/XXXX and they used my maiden name which I have not used since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began disputing this entry with XXXX as it is reflected on my XXXX  credit report. For the last year, this company has denied that they have any account with my information attached to it. This is ludacrous. Why then is there an entry reflected on my report? I have never opened an AMEX nor XXXX 's account. This account is fraudulent and should not be reflected on my credit report. 

Being that XXXX by phone and in writing has stated they have no records with this account information or can't provide any documentation to substantiate what they are reporting, the entry must be DELETED! I am prepared to hire an attorney as it seems that the company does not want to cooperate with my requests and this account is continuing to report on my credit. 

This account does not belong to me, was fraudulently opened and therefore I am demanding that it be deleted!

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 2018-05-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recieved a notice for a collection of debt from the Law offices of XXXX XXXX XXXX on XX/XX/XXXX, I called them directly disputing the charges in the amount of {$1900.00} and requested to receive an itemized list of the charges to compare to my inspection that I received from XXXX XXXX Housing Authority. At the time I was on housing and its required in order to leave a property the complex has to sign off on a intent to move notice, which I received on XX/XX/XXXX and told them i was planning to move by XX/XX/XXXX because of the 30 day notice rule there, and the housing authority has to complete a full inspection of the unit to ensure the property was not damaged from the tenant on XX/XX/XXXX, which in this case is myself. I was told by XXXX on XX/XX/XXXX who answered my call to the law office that she was going to mail out my documents requested and that I should receive them in 7-10 bs days at the most. On XX/XX/XXXX I only received a copy of my old lease from XXXX XXXX XXXX verifying that I paid a {$300.00} deposit, that's it! NOTHING VALIDATING THE CHARGES AGAINST ME as proof. Till this day I never received the charges I asked for, so I contacted the bureaus to initiate the dispute process because the debt was reported 6 times, 2 times with each reporting agency. I received notification from XXXX of the removal and with Experian they removed the debt from {$1900.00} to {$1700.00} and at that point XXXX and Experian requested my inspection proof and all supporting documents which I provided XX/XX/XXXX. I never once received written notification from these 2 agencies of a reinsertion even though they discovered initial inaccuracies to update the debt to {$1700.00} in XX/XX/XXXX. I am currently in the process of paying off alot of stuff so my credit monitor company questioned me about the change because no notification otherwise had ever been received. This is clearly fraud reporting one debt amount twice on each trade line, then to report the wrong amount without a response from the debt collector from XX/XX/XXXX, then to decrease the debt voluntarily, then to just not send me reinsertion notifications at all? How is this legal, I dont feel this is right to me to wait 6 months where I am only obligated by law to wait for the proof within a 30 day time period with written notice that of course I never recieved. Now when I call Experian they auto decline my calls so I have to call using a random social that I just type in and have also blocked me from using any online method of use through their website.

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