BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To Whom It May Concern, I hope this letter finds you well. I recently received yet another letter, dated XX/XX/XXXX, in the mail stating that my credit card accounts will be closed. When the same issue arose recently, I was informed by the Chase Executive Office that the closure of my accounts were due to a systemic error and there was indeed no fraudulent account associated with my name under Chase. Please refer to case # XXXX as well as the attached letter, dated XX/XX/XXXX. 

I've spoke to both Credit Card Services and Checking Account at the Chase Executive Office and my accounts were successfully reopened two months ago. I've disappointed to receive another letter in the mail indicating the closure of my accounts. It is apparent to me the previous systemic error was not fixed after the recent incident. 

I have always been a loyal and responsible customer of Chase, and I expect the same level of respect in return. However, the handling of this situation has left me feeling unsupported and frustrated. The stress and inconvenience caused by this error have had a significant impact on my daily life, as I have had to spend an excessive amount of time and energy trying to resolve the issue. 

I kindly request that Chase XXXX XXXX thoroughly investigate the issue I have outlined and take immediate steps to rectify the error. I also ask that you provide a detailed response outlining the actions taken to resolve the problem and prevent it from occurring again in the future. Additionally, I believe that a gesture of goodwill, such as a refund of my annual fee that was charged to my account on XX/XX/XXXX, would be appropriate given the stress and inconvenience I have experienced. 

I value the relationship I have had with Chase Bank over the years, and I hope that this matter can be resolved in a timely and satisfactory manner. I look forward to your prompt attention to this issue and a swift resolution. I can be reached at XXXX or ( XXXX ) XXXX. 

Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-24
Company: GOLDMAN SACHS BANK USA
State: NC
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:
Marcus by Goldman Sachs put an unauthorized inquiry on my report on XX/XX/XXXX the issued documentation on XX/XX/XXXX stating it would be removed but XXXX has failed to remove it so I am filing a complaint against both companies to have the inquiry immediately removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a letter to Convergent Outsourcing , Inc dated XX/XX/2021 requesting debt validation. Instead of sending proper debt validation, I received a letter from Convergent Outsourcing , Inc, dated XX/XX/2021 indicating : X This debt is valid, attached is verification of the debt. 

Attached to the letter were XXXX statements. 

Convergent Outsourcing , Inc., did not properly validate the alleged debt according to applicable debt collection laws. Convergent Outsourcing , Inc., failed to provide a signed contract between myself and their company. Convergent Outsourcing , IncXXXX, failed to provide proof of a business relationship between them and XXXX. Convergent Outsourcing , Inc., failed to provide proof that I legally owed the debt they are attempting to collect.

To CONVERGENT OUTSOURCING, INC., and all Agents or Assigns : I am in receipt of your computer-generated letter dated XX/XX/2021, unsigned, unverified, unvalidated statements alleging a debt. 

It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. 

Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 
I have no recollection of a business relationship with Convergent Outsourcing , Inc. ( CONVERGENT OUTSOURCING, INC. ). Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX and Convergent Outsourcing , Inc . 

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme pursuant to 15 U.S.C. 1692. 

Please send me a certified copy of your license to collect a debt in California. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved,

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 2021-10-28
Company: PLANET HOME LENDING, LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Planet Home Lending has the second mortgage on my primary property and this matter is in Supreme Court in NYS regarding a foreclosure preceding the institution is trying to commence with. My complaint stems from the Servicer/Lender continuing to provide statements and other letters that are not court documents to the agency thats handling the foreclosure proceeding on my behalf. 

Recently, in a letter dated XX/XX/2021, Planet Home Lending requested proof of insurance for my primary property. The Servicer/Lender is clearly addressing the letter to the Legal Aid XXXX XXXX XXXX , New York instead of my address being XXXX XXXX XXXX XXXX , New York XXXX . Subsequently, the Servicer is well aware of my first mortgage with XXXX  XXXX XXXX requires up-to-date insurance for the property and I do not want to pay for additional insurance through their institution. 

If the Pandemic elevates workers/attorneys from The XXXX XXXX XXXX could be forced to work elsewhere and notices sent to their office may be delayed for an extended time. I am requesting the Servicer/Lender forward all statements and notices to my address. They may provide the bureau with any/all other court briefs. I have attached the requested proof of insurance for their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/XXXX I had my name changed in court, just my middle name, so supposedly once info is corrected with social security offices it should be " easier '' than if it were my full name, but I still did as I was advised and tried double checking after with the credit unions to make sure my middle name had been changed and didn't run into any issues down the line. No issue with 2 of them, but with equifax not only was the info not changed/updated but. 

- they say to just make an account on their website. You do this and you'll never be able to login. Doesn't matter device or browser, their site is poorly and insecurely constructed. You're led to a " sorry we can't do that please call this number '' page every single time. 

- you call that number like I did on XX/XX/2022, and twice last week and the week before ( XXXX, XXXX, and XXXX I think are the right dates ) and you're connected to a call center where English is clearly the XXXX XXXX  the call center is very audible in the background in a way that makes me believe the employees aren't given headsets ( I used to work in a XXXX XXXX, for me to hear other operators in the background this clearly you'd have to not have headsets ... which for customer support at XXXX  would be one thing but this is a major credit union where SSNs are being thrown around! ). I know they have a script to read from but it was also clear that on each time the operators just couldn't understand me and made no effort to actually fix or help with the problem. All they do is tell you to reset your password and then hang up on you. By try 3 or 4 I was firmly saying I won't be doing that because that's clearly not the problem, the solution, nor ever was. It's very clearly a problem with their website itself. They just keep repeating their script to change your password over and over again to the point that if it weren't for the clearly audible call center in the background I'd think it was a robot I was talking to. 

- I've sent certified mail and haven't gotten a response yet but I've seen online many others saying they did the same and just got ignored, and ran into the same issue with the same useless call center. 

Equifax 's support is nonexistent, their site is unesecure and broken, and they don't bother fixing issues or updating account issues when you try to contact them. And there's no way to get around this and try to fix it other ways! I'm at a loss for what to do at this point. 


Here 's a link to a MyFico forum of others having the same issue as me over a year ago : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: TN
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 2015, I XXXX XXXX entered Into a consumer credit transaction XXXX XXXX which became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, shortly after that I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this XXXX  XXXX has violated many laws according to truth and lending & fdcpa .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I attached my license and will be mailing my invoice.

Bank can not lend money ....

In the federal courts, it is well established that a national bank has not power to lend its credit to another by becoming surety, indorser, or guarantor for him. Farmers and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, 11 F 2d 83, 271 U.S. 669.

A national bank has no power to lend its credit to any person or corporation. Bowen v. Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637.

A valid rescission of a credit sale contract does not render inoperative the disclosure requirements of the Truth in Lending Act, as creditors obligations to make specific disclosures arises prior to consummation of transaction. Truth in Lending Act Section 102 et seq., 15 U.S.C. Section 1601 et seq. ; Truth in Lending Regulations, Regulation Z, Sections 226.2 ( c ) 226.8 ( a ), 15 U.S.C., following section 1700. ONeil c^ 484 F.Supp. 18.

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 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A, states I have the right to privacy. 

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which ante cedes the report by more than XXXXeven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to.a consumer to any consumer reporting agency if the person knows or has reasonable cause. to believe that the information is inaccurate.

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 2022-09-12
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent Experian two letters to dispute 2 accounts that they have reported inaccurately. The first was sent XX/XX/22, the follow up was sent XXXX It is now XXXX and I still have not received a response, nor have they corrected these two accounts. 

They are reporting inaccurate payment statuses on both accounts. 
XXXXf- is a closed and paid in full account- they are reporting the payment status os " late 60 days '' which is not accurate- The payment status is to be the CURRENT payment status. Ive asked them to correct this to show Current of paid as agreed. the two year history that is older than two years old needs to be removed also. 

XXXX XXXX is a closed and paid in full account- they are reporting the payment status os " late 30 days '' which is not accurate- The payment status is to be the CURRENT payment status. Ive asked them to correct this to show Current of paid as agreed. the two year history that is older than two years old needs to be removed also. 


Ive included both letters sent as well as a copy of my credit report for both accounts.

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 2019-04-23
Company: EQUIFAX, INC.
State: OR
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 currently trying to get a truck refinanced. I learned from the dealership that there was a fraud alert on my credit file. I called Equifax the agency reporting the Fraud alert and answered there questions multiple times, they also stated that I had answered the questions correctly and they still tell me that they can not verify my identity. This is simply ridculious. I received no alerts or notifications that this existed on my credit file and the fact that there is nothing left on my credit report due to the Chapter XXXX bankruptcy we had to file last year. They will not assist me with removing the faults information that they have listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MS
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Upgrade, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Charging fees for late payments when an automated payment failed for no reason. Money was available in the account they were drafting from and a PDF Print Out from my bank showed the available balance and their fee. They continue to claim they don't see the money being charged against me and can't explain the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-24
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
First, I do not know who is BSI and had no business association with that bank or company, but called my home several occasions asking for my address and the condition of my house. So I to sent them a debt validation letter, no response, and likewise QWR no response. Yet keep sending Mortgage Statment with some ridiculous and extravagant sum which was paid off. 

The balance was {$28000.00}, XXXX received a grant in my name for {$18000.00}, plus I had paid XXXX for 5-years {$520.00} per month = {$31000.00} + {$18000.00} grant= XXXX. 
Enclosed with BSI Mortgage statement. When I filed Chapter XXXX Bankruptcy BSI was not on the creditor list but they appeared at the hearing as a creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I faxed a cease and desist letter to Diversified Consultants @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against Diversified Consultants. I requested that Diversified Consultant send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from Diversified Consultants and they failed to do so. There is 2 accounts that this collection agency is harassing me about REF # XXXX. 

Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. 

I need signed documentation with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions 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:
I have relentlessly tried to fix this issue and for some Ive yet to get a response another response is that theyre unable to find an account for me due to recently obtaining a SSN etc.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of above accounts 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion is reporting that I have a collection account. They are reporting the company " XXXX XXXX XXXX ''. They added the company to my credit file on X/XX/2017. <P/>I have no contract with such company. <P/>XXXX XXXX Reported : XXXX. XXXX, 2017

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