BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have contacted Chase initially as I got scammed by a XXXX  scammer in XXXX. I have offered to provide any proofs as necessary and was advised they will contact me when they need it. 

Even thought they have my address on file and it clearly shows I am located in PST zone in WA state I received a call at XXXX XXXX  which I was obviously not awake for. I immediately return the call only to be told by advisor they had no idea about what I was contacted as the agent didn't leave any notes so just keep an eye if she calls back. 

No one called back instead my claim was suddenly denied. I was never asked proofs, never contacted again, chase failed to do any investigation as they never even requested all hard proofs I still have to this day how I was blatantly scammed by a professional scammer. 

I have contacted chase and asked to speak to a supervisor I was denied by the agent- which infringes the right as a consumer to speak to a supervisor. Further on agent opened the claim again promising to actually resolve it and get the evidence and advised me - previous agent did not fill out the claim correctly. I was appalled. Once again I trusted Chase to finally do its due diligence however once again I was scammed on this foolish belief. Only 5 days later the money was taken out of my account again. The most obscene part of this they did not even contact me, did not send any letters to advise my claim was denied. They just silently denied it. I can't believe a bank is actually functioning at this capacity when they treat their customers like this.

Chase has never helped me with a single claim and I may have filed like 3 in 10 years I've been with them. They are greedy scammers and I don't know where else to go to hold them accountable. 

I want the money to be given back and the investigation to be actually done with evidence I have and not deny my claim when I clearly was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this account. At the time, I was moved due to protection battling a XXXX XXXX. I havent lived in XXXX XXXX in years due to XXXX assistance. Ive reached out multiple times to this company and theyve even XXXX my family and contacted them, after asking them not to. Im assuming they are a XXXX XXXX  that my closed account was sold to, and they reopened this year. The XXXX account is over XXXX years old. 

This is not accurate and fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: PR
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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THIS IS NOT A DUPLICATE COMPLAINT, THIS IS A NEW COMPLAINT WITH NEW SUPPORTING DOCUMENTATION XXXX  is reporting from XX/XX/17 through XX/XX/17 that I was up to 120 days late on my mortgage. I was in a TRIAL MODIFICATION PROGRAM. Due to the overwhelmed XXXX Modification Office, my trail period was extended a few times. XXXX provided the letter that it was modified and sold as current and paid. BUT on my credit report, they have reported me as late. 

This is against Federal Law, and you will see attached my supporting documentation of this,

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 2022-02-11
Company: FREEDOM FINANCIAL NETWORK
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
at XXXX on XX/XX/2022, a man called me saying he was from a loan company called Freedom Plus and said I was approved for a loan, he asked for my banking information such as my account and routing number, my bank account login and password, my social security number, and he had my personal information such as where I live. He told me he was going to send me a loan of XXXX in 1-2 hours but first he would send me {$500.00} and I would have to cash app it back to him and then he would deposit the XXXX into my account. He said I would then receive the loan documents through my email and I would have to sign the documents and send them back. Once he mentioned XXXX XXXX I was alarmed so after the call ended I XXXX searched the company and called the number and they said that it wasnt true and it was a scam and to call my bank immediately and talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: FIRSTBANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, I was unable to log in to XXXX to manage my account. I called the branch from which I had originally made my account, and they explained that they had closed both my credit and checking accounts for nonpayment to the credit account, thereby limiting access to my checking account until I physically visited a branch and became current on the credit account. I am currently sick, so it would be unsafe for me to visit a branch at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have contacted XXXX XXXX on multiple occasions to no avail about three accounts they have reported to my credit reports. I have asked for them to send me detailed paper work and proof of the account standings and they will not they are very rude when u try to talk to them. The XXXX XXXX XXXX XXXX has my student loans and I have had conversations with them on paying off my left over balances on my loans but fed loan will not answer any questions for me at all the info they are reporting is inaccurate on my credit report and they refuse to update their system. They have been rude and have blown me off at every turn I'm just trying to get info from them because from my records they are reporting in accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello my name is XXXX XXXX and my XXXX   account name is XXXX with the username XXXX XXXX. On XX/XX/XXXX I made several XXXX   transaction both for XXXX XXXX One of the XXXX $ transactions was sent back to my XXXX account then I requested to send it to my bank account upon doing that I received a estimation date of XX/XX/XXXX that I should have the funds in my bank account t that was not the case my XXXX account was frozen and an investigation began. After the determination of the investigation it was determined that I am permanently banned from XXXX   and my account is deactivated. Which to me is not the problem I am fine with that but they have XXXX $ of my own money in my XXXX account still on hold for up to 180 days which I can not afford to live without that money for that duration of time also I can only communicate through email response and with that the agent states that she can not assist me in this situation so know Im in a situation where I do not have my XXXX $ that me and XXXX know is rightfully mine and no time frame or assistance to when Im getting my funds back. Please help me with this situation is is very stressful and I would just like my money back so I can be done with them thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These are inquiries that were not authorized showing on my report XXXX - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The Servicer : PH Mortgage Corporation of XXXX  XXXX N.J. phone ( XXXX ) XXXX had the XXXX XXXX assigned to my property located at XXXX XXXX XXXX XXXX, N.J. XXXX on XX/XX/XXXX. There is no XXXX XXXX in XXXX N.J. and I need to know why an investor would be involved since my original XXXX purchase mortgage from XXXX XXXX XXXX XXXX ( HCSB ) The XXXX mortgage was current from XX/XX/XXXX to XX/XX/XXXX when it was allegedly refinanced and paid off by NJ Lenders who have no proof of payment to XXXX no release of lien, no satisfaction and no record of discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: EQUIFAX, 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:
This Finance Company sold my mortgage to  XXXX   XXXX  and also is reporting public credit report EQUIFAX that I still owe a mortgage loan. My account ins blocked in their website

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2020, I tried to open a new account at a credit union and was told my date of birth did not match the date on my Equifax records. When I reviewed my Equifax record I saw that my middle initial and my date of birth were in error. On XX/XX/2020, I filed a dispute with Equifax online, submitting a copy of my drivers license to support my correct middle name and date of birth. On XX/XX/2020 I called Equifax to check on the status of my dispute and was told that now in addition to my drivers license they need a copy of a paystub or my social security card as proof. This is their mistake - they should be required to correct it. I have provided evidence of the error and I'm confidant their records contain plenty of incidents of my true name and date of birth - I have a number of credit accounts that I know are in my correct name and my drivers license shows the correct date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am constantly being harassed by XXXX XXXX XXXX XXXX It all started back in 2007 when I was a struggling college student. I needed assistance paying my rent for the month plus other Bill 's. I decided to take out a loan with Cash Call. It was the biggest mistake of my life! I began making payments toward the loan the following month, but then the payments became a burden for me. I was paying more than {$200.00} per month. I stopped paying on the loan as I could no longer afford to do so. Cash Call began to harass me, constantly calling me at home and at work. A representative from Cash Call called my manager at the XXXX XXXX XXXX XXXXXXXX, my former employer, and revealed to him that I had an unpaid debt. They calle multiple phone numbers at my place of employment, and they discussed my debt with my former co-worker, XXXX XXXX. Ms. XXXX told them to stop calling, and they would not listen. She had to inform our chief, and even when he spoke to them and informed them not to call again, they totally ignored his request. It was very embarrassing and humiliating for me. I then quit the job because I could no longer face my co-workers after Cash Call consistently called and harassed my co-workers and I. Then Cash Call sold my debt to XXXX  XXXX XXXX XXXX XXXX then continued the harassment. Constantly calling me on my cell phone and my place of employment. They also threatened me with a lawsuit. They have now obtained judgment against me in the amount of {$7700.00} for a nearly 20 year old debt! And the original loan amount was for {$2600.00}, yet XXXX is suing me for almost TRIPLE the amount! It was determined by the state of California and many other states, that Cash Call was a predatory lender. There was a Class Action lawsuit in California in which consumers who just like me took out a {$2600.00} loan from Cash Call and they were able to have their debt forgiven. I should have been included in this Class Action lawsuit, but because my debt was sold my name was not included. I am no different from those who had their Cash Cash loans forgiven. I was a victim of Cash Call 's predatory lending practices. And not only that, but I've been subjected to more than 10 years of harassment by both Cash Call and XXXX XXXX XXXX XXXX This has taken a toll on my mental and emotional health!!!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Harley Davidson Financial Services Inc
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My ex husband and I purchased a XX/XX/XXXX XXXX, and financed it together. 
We divorced on XX/XX/XXXX. 

I have a court order that states he is the sole obligor to pay off the remainder of the Harley-Davidson loan for the motorcycle. 

I submitted a copy of my divorce paperwork to Harley-Davidson Financial Services / Harley-Davidson Credit Corp. 

This copy seems to have been lost, as they no longer have it on file. They also state that a legal court order has no priority over individual financing, and that it does not have to be abided by, as it was a " legal contract '' signed by both parties. I was told that state law does not come before finance law by the representative I talked to on the phone. This was on XX/XX/XXXX. 

My ex-husband is not making payments on the motorcycle, has numerous reverse payments, NSF 's, and late payment fees. All of his payment deficiencies are hitting my credit report, and have been for two years. 

As of XX/XX/XXXX, the account was sitting at 40 days past due, and I placed an inquiry as to whether it could be repossessed. A payment was made by my ex-husband on the same day, for {$400.00}, but the account is still sitting at {$690.00}, and in a past due status. Which has again hit my credit report. 

I have tried settling this issue with Harley-Davison Financial Services / Harley-Davidson Credit Corp numerous times over the last two years. 

I am being constantly harassed by their finance department because my ex husband keeps changing his contact information, and is unreachable. I continue to provide them with up-to-date contact details for him, but they insist on calling me relentlessly, sometimes reaching 5-6 calls a day.

I have asked Harley-Davidson to remove the deficiencies from my credit report, but was told that a court order isn't adequate in their eyes, and that I am still responsible. 

I have also submitted appeals to the credit bureaus to have the deficiencies removed from my credit history as well, but to no avail. 

A cease-and-desist letter has also been mailed to the Harley-Davidson Financial Group / Harley-Davidson Credit Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Glennon Law Firm, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A month or so ago this firm has decided to garnish wages for an amount over 3 times what the original balance of the alleged debt was. The amount I owe their client on this charged off this alleged debt is {$1000.00}. They are garnishing my check for over {$3600.00} Im am being taken advantage of and exploited. They are extremely rude to deal with. Wont return calls and are making my life XXXX. This is from a debt that is over 6 years old. I had a payment arrangement with the client I paid over {$160.00} already on this alleged debt. I still believe this amount is incorrect because the alleged debt was paid on before. I lost my job due to THE PANDEMIC. I am just now getting back on my feet and this company continues to inflict harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up for XXXX XXXX  AAdvantage MasterCards, issued by Citibank, that earned XXXX XXXX miles for spending on the cards. XXXX XXXX recently terminated my frequent flier account, unilaterally and without warning, claiming that my miles were earned fraudulently. They offered no details to support this claim, and offered no opportunity for me to challenge the decision. They confiscated over XXXX miles which represent a commercial value of approximately {$5000.00}.

Since my miles were earned primarily though the CitiBank credit cards, via an arrangement Citi has with XXXX, this violates the card agreement between CitiBank and myself. I abided by all the terms of the Citi cards and they provided those miles as an inducement for my business. XXXX then stripped those rewards- Citi should be responsible for replacing the value lost.

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 2022-01-07
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
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 {$4400.00}, {$430.00}, {$700.00}. 
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. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

3. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -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