BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was employed at a bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, Ca XXXX. From XXXX through XX/XX/XXXX. In XXXX XXXX I received a letter from the Social Security XXXX, informing me of a potential private retirement benefit. The Plan name : XXXX XXXX XXXX XXXX  Pension Plan. Plan Administrator address : XXXX XXXX XXXX. XXXX XXXX, Ca XXXX. Plan number : XXXX Year reported : XXXX Estimated amount : {$170.00}. Type of benefit " C '' Life annuity, Payment Frequency : monthly. I strongly believe there is an annuity plan in existence. XXXX XXXX XXXX was bought by Washington Mutual Bank, and then taken over by Chase Bank. Chase Bank, I factually know has JP Morgan handle all retired employees retirement plans. I have tried to track down this plan with no luck to date. I have a very strong hunch that my sister, XXXX XXXX XXXX, has hijacked my retirement plan. She has been impersonating me and committing crimes against me. If you google her or other internet sources, she goes by the name : XXXX XXXX. To me, that alone is very suspect. I am her only sister and she actually assumes my legal first name : XXXX, as her alias. I have other reasons to believe it is my sister who took claim to my retirement account. She has a history of stealing from me, she impersonated me when I was employed at XXXX XXXX. 
She gained access to my employee account and changed my payroll and retirement benefits and took out hsa distributions on two occasions. She has a long history of mistrust and deceit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For the record, sufficient bank account funds were available for every incident outlined in this consumer complaint. 

Bank records are available for review upon request. 

XXXX XXXX XXXX, XXXX is using the Fair Credit Reporting Act as a crutch/an out/scapegoat to justify their deceitful/deceptive business operations ( See attached " Exhibit D '' and XXXX : XXXX ) which include, but are not limited to, collusion, fraud, negligence and malicious intent against consumers of XXXX XXXX XXXX, XXXX 's products and services. 

1. I DID NOT and I NEVER cancelled my mortgage payment on XX/XX/XXXX ( see attached file/Exhibit A as well as the XXXX Payment Receipt and Confirmation electronic document attached ). XXXX XXXX XXXX, XXXX  PAYMENT SYSTEM ( S ) failed to properly process and apply my XX/XX/XXXX payment to my account and kicked it out of their system ( 1ST malicious incident in XX/XX/XXXX ). I received the attached BOGUS email ( attached file name " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) stating a consumer act that NEVER TOOK PLACE. I resubmitted a payment on XX/XX/XXXX ( See attached file/Exhibit B ) after receiving the attached BOGUS email ( attached and titled " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) from XXXX XXXX XXXX XXXX . 

2. On XX/XX/XXXX, XXXX XXXX XXXX, XXXX failed to process/apply my 2nd XX/XX/XXXX payment AGAIN on XX/XX/XXXX ( See attached file/Exhibit C ). This time they claimed that I entered the wrong number of digits. I entered the SAME NUMBER of digits that were used as always ( I.e. : See attached file/Exhibit B ) and XXXX XXXX XXXX XXXX PAYMENT SYSTEM ( S ) failed to process and apply my XX/XX/XXXX, payment/kicked it out of their system AGAIN ( 2ND malicious incident in XX/XX/XXXX ). 

3. XXXX XXXX XXXX, XXXX consistently misapplied my bi-weekly mortgage payments throughout the tenure of my loan ( see attached file/Exhibit E ). 

4. XXXX XXXX XXXX, XXXX sent me " refund '' /suspense payment checks totaling {$1500.00} ( ~ {$500.00} from escrow ) in XX/XX/XXXX that WERE NOT cancelled by XXXX XXXX XXXX, XXXX 's accounting department which SHOULD HAVE BEEN APPLIED to my mortgage account before my account was closed by XXXX XXXX XXXX XXXX . 

XXXX XXXX XXXX, XXXX needs to correct ALL of my, and the joint account holder 's, consumer credit reports TODAY/IMMEDIATELY.

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 2021-06-11
Company: AMERICAN EXPRESS COMPANY
State: MA
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 have this accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft AMEX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Capio Partners, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently Disputed this matter with XXXX, XXXX, and XXXX. Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a 601 goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
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: Was not notified of investigation status or results

Complaint:
I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report. 

Please see attached documents of proof of me sending the letter. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very serious that you please investigate and resolve as this is destructive to my character and is obstructing my potential to obtain loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Experian Information Solutions Inc.
State: PA
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:
There are a lot of hard inquiries listed on my credit report that indicated " unknown or unspecified '' company. I asked them to removed them because I have no knowledge of what the companies are and who requested a copy of my credit report. I was notified by XXXX Agencies that there personal files was hacked and my information along with others were taken. Then when I heard about the breach in the Equifax I decided to pull my credit report to see what my reports look like. I noticed a lot of inquiries and inaccurate information that I am trying to dispute or investigate. For the past year or XXXX I have paid a lot of things off and the only thing I applied for was an automobile loan back in XXXX XXXX. How is it fair for a Credit bureau to report unspecified information without listing where the information came from especially if the source is not verifiable or validated.

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 2021-02-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Below is a list of items that are to be removed from all my report ( s ) OR accounts due to the information being in inaccurate. 
Names XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXXAddresses Addresses XXXX XXXX XXXX XXXX XXXX VA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX VA, XXXX Address ID # XXXX Multifamily Phone Numbers ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
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: Personal information incorrect

Complaint:
I contacted Experian about the inaccurate addresses on my credit report. XXXX XX/XX/XXXX and again XX/XX/XXXX when I received a reply stating no changes were made to credit report. 
I disputed the addresses they are reporting which are not deliverable by the post office. 

The following addresses are inaccurate : XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX CANT BE ABBREVIATED ABD THERES NO APARTMENT NUMBER. Mail would noit be delivered to me at this address. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX. Again there's no apartment number and the XXXX  digital code is incorrect. 
My correct address is : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX I included copies off my current address as proof. The reply was sent to the correct address I submitted to them and yet the have not changed my credit report. 

The FCRA states that the information contained within my credit report is to be accurate and when there's an inaccuracy that it is to be corrected and a new report is sent to creditors in which the applicant applied for credit within the last 30 days.

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 2020-02-06
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have to call Mr. Cooper Mortgage company often because my payment keeps increasing. I have a lot of questions for them, often. My problem is every time I call for a question, they are extremely adamant about selling me a refinance. They are greedy as can be, they are far more concerned with grabbing yet another five grand or worse from me by tricking me into yet another refinance than they are with answering my questions. I already refinanced several times and because of refinance costs I owe more than I did when I took out the mortgage over 20 years ago. They are stealing from me and draining me of all my money, then all they want is more. More more more more more money, constantly trying to hard sell me on the phone. THIS NEEDS TO STOP. STOP TRYING TO SELL ME MORE MONEY! STOP MARKETING TO ME, STOP THE PUSHY SALES TACTICS EVERY TIME I CALL FOR A MERE QUESTION!!! Today I was assaulted once again during a call to find out why my payment went up {$50.00} per month, the woman on the phone kept insisting I needed another refinance. This is evil, pure evil. She refused to take NO for an answer. I was forced to hang up on her because she refused to let me go! And their automated phone robot does the same thing, it offers only choices that lead to either paying them or buying something from them. It's infuriating and disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: ALEXANDER-ROSE ASSOC, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was alerted by XXXX, XXXX and XXXX  that a collection agency by the name of Alexander Rose Inc. added a file to my credit report. I reported this as fraudulent due to the fact that I have never signed a contract and/or account with said company. Of course nothing was done about this. XX/XX/2019 I have discovered that this company is not licensed or bonded in the State of Florida to collect debts owed or otherwise. It is illegal to try and collect a debt if the company is not licensed in the State of Florida. This company is not even in the State of Floridas record database.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: FL
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:
XXXX accordance with the Fair Credit Reporting act XXXX 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 2020-02-06
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/XXXX my credit card account was opened with a {$500.00} limit. Hadn't used it since I was only using it for the credit from its existence. On XX/XX/XXXXI went to increase the card 's limit to {$2500.00} ( Hard inquiry to XXXX ).

Within a month, I discovered all three credit bureaus were reporting that the credit account 's opening date was changed to the date of the credit increase. A huge no-no, considering this account is one of two ( Three including an auto lease, which expires later this year ) with the account in question being the oldest. I immediately contacted all three credit bureaus and started disputes with them to  correct this information. 

Experian and XXXX promptly confirmed the original opening date and corrected it within their credit reports. Although XXXX  seems to have reverted the correction in the very next report. I am unsure if Experian has adhered to their correction.

Now here 's the beef. When I went to file a dispute with XX/XX/XXXXon XX/XX/XXXX explicitly about the account 's opening date, they concluded on XX/XX/XXXX : " Verified the date of last payment. '' without correcting the necessary information. I opened another dispute on XX/XX/XXXX, making myself even clearer. Same response received XX/XX/XXXX. I nearly just made a third with bountiful supporting documentation, but it wouldn't let me attach any documents because of a few " Bugs ''. 

The bank is reporting the account 's information opening date to the credit bureaus correctly and continues to do so. XXXX, Experian, and XXXX  have received disputes from me regarding the matter. Experian and XXXX  seem to have corrected the issue, but I can not monitor the former 's consistency ; the latter has resumed reporting the incorrect opening date ; and XXXX   has " Verified '' irrelevant information after two separate disputes were filed.

I did some digging about XXXX  's troublesome process ( Or lack-there-of ) and PR quagmire, even stumbling onto a recent lawsuit regarding similar issues that I'm experiencing. Time to step my game up and get someone to light a fire under their pants, my credit is on the line. We're talking about a 60 point+ neutering that drop kicked me two brackets down.

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 2019-10-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My tenant deposited the check on XX/XX/19. Initially, there was a problem with the check. So Wells Fargo, decided to put a 15 day hold on the check. My tenant then got proof of funds from XXXX XXXX   showing that the funds are in fact available and have been available since XX/XX/19. 

My tenant, the depositor then faxed a letter to Wells Fargo showing proof of funds. Wells Fargo has continued to drag their feet in expediting these funds so they deposited into my account. The check is for {$870.00} and it's deposited into my account every month for the entire year - same amount, same accounts. 

I have a family and children. My children depend on this money to eat and basic living. We're literally waiting on this check to clear so we can continue to eat and live normally until the next payday as I'm back to work next week. The attitude of Wells Fargo is " I don't care ''. I don't care about your family or when they eat. They are terrible in terms of understanding and expediting when necessary. My case number with Wells is XXXX. I spoke with XXXX XXXX and she told me it takes 24-48 hours to speak with her manager XXXX XXXX. I asked to speak with the CEO XXXX XXXX. There's no way to escalate to his office. 

Right now, my children need to eat and we as a family function normally. The money has been available since XX/XX/19 actually XX/XX/19 but it was a timing issue. It is now XX/XX/19 and I'm told I won't be paid until XX/XX/19. Unacceptable - especially to my children who need to eat. Please expedite and send to president/CEO XXXX XXXX. I'd like a phone call from him personally. Thank you.

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 2021-12-01
Company: EQUIFAX, INC.
State: NV
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
$ I made several payments for a vehicle via Cash App, but the dealer never processed the paper work for the title and tags. I attempted to request a refund in the amount of {$700.00}, of the {$8200.00} paid, from Cash App. The request was not sent to the dealer, but denied by Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
After XXXX XXXX account XXXX was deleted as unverified, it was reincerted back. 
According to :15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I have never received any notes from any of CRA.

Futhermore, Following FCRA procedures was never executed and therefore not only CRAs do respect FCRA but at the same time violating Metro-2 and E-Oscar compliance procedures.

Company response to consumer: Closed with explanation