BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
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:
It has come to my attention that, although I have written several letters, asking for validation of debt, audit trails, I am not getting any response because of the automated system you have in place, which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws. 

15 USC 1681 AE 15 USC 1691 15 USC 1601 15 USC 1692

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 2023-04-17
Company: JPMORGAN CHASE & CO.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My business email was hacked and they had access to all my business and personal information. They then created a fraudulent bank account at Chase under my name. Using my email system ( XXXX  XXXX ), they were able to convince my business accountant to ACH transfer from our bank account ( XXXX XXXX XXXX  ) {$80000.00} to Chase under my name as : " XXXX XXXX - Chase ''. 

Chase has been un-responsive in taking action against this identity theft and fraud. Their position is that ACH transfer is automatic and it is not necessary to tie the name of the account to the transfer. Of course, the transferred money is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My mother got ahold of my social security card and opened up several credit cards in my name when I was a minor. I have tried to file a dispute and tried contacting legal aide and nobody will help me. Every time I do file a dispute they are trying to make me pay it off. I refuse to pay the debt off when I did not open the account, like I said my mother opened these accounts in my name. It is ruining my credit and it is not allowing me to get a loan or anything because all of it is in my collections. 

XXXX XXXX XXXX  XXXX XXXX A {$680.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  {$760.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} Opened : XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I paid off my loan balance on XXXX XX/XX/21. They did not send me any proof of pay- off. Final bill amount was {$3000.00} on the statement. I called 4 times requested clear tittle on my property. Still, I wait Full Reconveyance.

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 2022-12-25
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On my credit reports with XXXX and Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX put false information on my credit report. According to XXXX, I took a loan out with their company on XX/XX/XXXX under XXXX. Under Equifax, it notes I took a loan out with XXXX on XX/XX/XXXX which is erroneous. 

I took out a loan for a VA Home Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX I never took out an original loan with XXXX on XX/XX/XXXX or XX/XX/XXXX. This information is false and I am enclosing supporting documents from the credit bureaus, along docs from closing who I in fact took a loan out with. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I reviewed my Credit Report with Experian. I noticed my credit score was lower that it should have been after my due diligence I noticed that Experian was reporting that I had a Bankruptcy filed in XXXX. This is not accurate at all. There are so many people in California let alone the country that share my same name. It is very common, with all of the security breeches and Identity theft out there I can see how Experian may have mixed this up. One XX/XX/XXXX I sent a letter to Experian requesting that they open an investigation into the matter Cert Mail Tracking # XXXX which they received according to USPS on XX/XX/XXXX. Since this time frame I have only received a generic response into the matter. I requested that they open an investigation and I would like to know how they indeed found this negative information to be accurate and belong to me. In my research and due diligence I called the Court and asked how this information can be validated and why they would report such a thing and damage my Credit. The court told me they do not report to credit reporting agencies. They told me Experian gets its information through XXXX XXXX which sometimes may have errors. I requested in my letter to Experian that this matter NOT be validated through XXXX XXXX because with a name like XXXX XXXX it is so common and easily able to get mixed up. I asked that their response NOT be automated or have XXXX-XXXX verification because this would simply show negligence and not be in my best interest as a consumer and it would violate several laws of the Fair Credit Reporting Act. All I received back was a generic response which stated the Bankruptcy was validated. My letter was clear and it has yet to be looked at with care.

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 2021-01-29
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I was promised a degree in XXXX XXXX, I was told not to worry about the student loans since I qualify for FREE. I needed help many times from the teachers, who at the beginning of the school year said they were available for questions outside of school hours. I called multiple teachers since I was struggling with the courses. Some of the teachers could be heard at a bar having drinks ( my husband can confirm this ) I did not pass those courses and when I complained to the administrator or aids they appeared to not care. I NEVER received my degree and NAVIENT ( used to be Sallie Mae ) is constantly harassing me for payments. I have been paying on this loan for over 20 years! I've told Navient what happened during the school year and the only thing they care about is getting their money. What XXXX did to me is FRAUD and since the school doesn't exist anymore I have no where else to turn. Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern, The Company Was Put on Notice with the Delivery of the Following USPS Mail Tacking Number : XXXX I, XXXX XXXX In representation of XXXX XXXX XXXX, XXXX Beneficiary, claimant, am writing to inform XXXX, XXXX XXXX TRANSUNION that XXXX XXXX has been reported as a victim of defamation, financial injury, and violations under FCRA Section 605 ( c ) and Section 611 Part ( A ) ( 1 ). This notice is not an attempt to dispute any part of these fraudulent accounts but a legal and lawful demand. Therefore, I am not legally obligated or liable to pay any of these fraudulent accounts or debts under the FCRA. XXXX XXXX has not presented a valid contract with a signature, although it has been requested in the previous affidavit. I want to make it clear that I am reserving all rights under my consumer credit profile with your company as a consumer under the Fair Credit Report Act. XXXX, XXXX & TRANSUNION do not have the legal authority to decline this demand to block information on the basis of a misrepresentation of fact by the consumer or any other reason under 905B ( c ). Kindly send notice if XXXX, XXXX & TRANSUNION declines to block information and provide proof of your claim supported by an affidavit that NAME HERE misrepresented any fact contained herein. Failure to comply with any requirement imposed under 15 U.S. Code Subchapter III- Credit Reporting Agencies will constitute your organization 's willful/negligent non-compliance, making your organization civilly liable pursuant to 15 U.S. Code 1681n and MD Code, Commercial Law, 14-1213 for actual and punitive damages along with attorney fees. I do intend to sue your organization and file a complaint with a court of general jurisdiction in the state of Colorado for your non-compliance with federal and state law. Please govern your actions accordingly and send a corrected report promptly. Parties are subject to fines and a minimum of {$1000.00} per fine under the FCRA ( Fair Credit Reporting Act ). Sincerely, XXXX XXXX XXXX, XXXX Beneficiary In representation of XXXX XXXX, claimant.

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 2019-06-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
When booking a hotel with XXXX, I checked the properties listed ( 4 ) as the stay being in one of the four. There was not a listing for " XXXX ''. XXXX, XXXX, XXXX and one other was shown. Again -- no " XXXX '' listing. I stayed at the XXXX in 2014 and it was TERRIBLE. Feeling safe, I hit " book it now '', and what turns out to be the property? The XXXX. XXXX hid the name " XXXX '' by using the name XXXX. I immediately called XXXX to rebook to another property. XXXX service center   ran me around in circles and told me the U.S. service center wasn't open until normal business hours. Called there and got XXXX again. Disputed the charge with Chase. Even though I told them this was fraud, they refused to help in any fashion. Chase Credit Card services refused to help despite this being blatant fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account with Citizens Bank one month ago. It was a huge mistake. About a week later I wanted to begin online banking on the Citizens website. I was informed that I could not engage in online banking and to call this number ( XXXX ). After waiting on hold for 30 minutes and being directed to multiple people I was still unable to initiate online bill pay or access my funds. I called the customer service number again and no one was able to resolve the problem. The next week I decided to open an account at another bank b/c I was unable to access my money at Citizens and then transfer my money to the new bank and close my Citizens account . I again had to call the Citizens customer service number to initiate a transfer b/c the website would not let me transfer my money to my new account. It took multiple people telling me that they could not resolve this issue until finally someone was able to approve and initiate the transfer. Unfortunately a day later I received an email telling me that the transfer was CANCELLED and that I would have to call the customer service line again. I am not able to get help from anyone at Citizens through this customer service number and I am unable to access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Key 2 Recovery, Inc.
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by mail from Key 2 Recovery Collection Agency in XX/XX/2019. The initial letter stated it was an attempt to collect a debt on behalf of Indiana XXXX University. I replied to this letter via postal services, asking for debt validation Information and proof of authorization to collect in the state of Indiana, because their office is in the state of Ohio. 

In XX/XX/2019, They replied to my request with a letter of charges and fees, but none of the information that I requested. They also failed to prove their authorization to collect debts in the state of Indiana. After receiving this letter, I sent a cease and desist letter to them via certified mail with a signature receipt upon acceptance. I HAVE THE SIGNATURE RECEIPT AND A COPY OF THE CEASE AND DESIST LETTER I SENT TO THEM AND PROOF OF ACCEPTANCE. 

In XX/XX/2019, Key 2 Recovery, falsely reported a collection account to my XXXX  consumer credit report. The information on the collection account states that their initial reporting to XXXX  started in XXXX of 2019, but the open date of the collection account is XX/XX/2019. 

Since then Key 2 Recovery, continues to falsely update this account information and completely ignore the cease and desist letter that I sent to them. The last time they updated the account was XX/XX/2019. 

This is a complete violation of my consumer rights. This company has shown that they are willing to violate consumer laws and collection laws and guidelines. I would like to take them to court and have these collection company closed for ignoring business laws, consumer protection laws, antitrust laws, and collection laws and guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The debt is very old Im getting letters from law offices. There was a class action and I was told I was cleared a couple of years ago. But Im still getting theses letters. 

{$11000.00} letter states it owed XXXX XXXX letter stating Im owed the same amount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: The Bureaus, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023 I sent out letters regarding inaccurate and unknown things on my credit report to XXXX, XXXX, and XXXX. On XX/XX/2023 I sent a certified letters to both The Bureaus Inc and XXXX XXXX XXXX XXXX with no response from XXXX XXXX XXXX XXXX regarding this very important matter. This is effecting my credit score and how I provide for me and family. I feel like in this moment I am be taking advantage of and my concerns are being reduced to something of no importance because my disputes are being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days which means it needs to be deleted promptly. I demand these accounts to be removed immediately or I will have no other choice but to file for litigation due to the stress this has caused me and my family. My information has also been impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Williams, Rush & Associates, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Never received orignal contract with my original signature stating I ow the account. Never received a debit validation letter they put the account on my XXXX  account and messed up my credit score needs to be removed immediately

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I made my XXXX mortgage payment via online banking to my Loan Care mortgage. This money left my checking account on XX/XX/XXXX but the payment was never posted to my mortgage with Loan Care. Several weeks later I received a notice from Loan Care that my payment was past due and I paid it again immediately. 

I then requested that the missing payment be applied as well. I initially started this process with my bank who sent the payment to Loan Care electronically. They called, mailed, and faxed the payment confirmation information multiple times each to Loan Care but nothing happened. In XXXX I started working with Loan Care myself directly. I have called and emailed more than 20 times with proof of the electronic payment since that time. 

Every time I have called customer support ( most recently on XX/XX/XXXX ) I have been told by the support specialist that my proof of payment was received and that they will be posting the missing payment to my mortgage. And that I should see the payment posted the following day. I have been told that since early XXXX and I still have not seen the missing payment posted to my account. 

I have submitted everything needed to prove this payment was made but not posted to my account. I have submitted my bank statement showing the money left my account. I have submitted my mortgage statements showing the payment was never posted. And I have submitted Proof of Electronic Payment with a Case ID, credit trace #, batch # and file trace # showing the money was received by Loan Care. 

Can you please help me get Loan Care to post this payment to my account or refund me this money?

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 2019-01-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Borrower is XXXX XXXX XXXX XXXX XXXX ( PRA ) is refusing to respond to us, will not answer the phone, will not return phone calls, and will not respond via email. 

We are trying to clear a lien that clouds title on a property that went through a Chapter XXXX BK. Since XX/XX/XXXX we have called multiple times a day, left voicemails, emailed several times, and even tried to get a supervisor in that department on the phone. PRA will not answer their phone, will not return phone calls, and will not respond via email. 

I need a response from them or this file will go to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-12-07
Company: Credit Karma, LLC
State: CA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I sent an email Credit Karma support asking to remove vehicle information listed on the Credit Karma website on XX/XX/2019. I communicated with support over a series of weeks. They said they could not remove the information and you had no choice but to have a vehicle listed. I did not like this, so I asked to have my entire Credit Karma account closed. They said I needed to send in two forms of ID, because I had a savings account open with them. 

I have never been asked for this information while closing a savings account. I did not feel comfortable sending in the information they are demanding. I just want to cancel mt Credit Karma account. Below is the information they want. 

" In order for me to close your account, I need : Last 4 of SSN Verified phone number I also need two different forms of identification are required - either two primary or one primary and one secondary document. I can only accept documents that are current and valid, not expired. 

Primary documents include : Drivers License or State ID Passport Permanent Resident Card ( Green Card ) Military ID ( requires front and back ) Secondary documents include : Another document from the primary list Birth Certificate Social Security Card ( can't be laminated ) Full Utility Bill such as gas, water, electric or internet. Your service at address must match whats on file with XXXX  or  XXXX. We can not accept credit card or banking statements or a cell phone bill. 
Once I hear back, I would be glad to continue assisting you. Thank you, and I look forward to your reply. 

Regards, Credit Karma Member Support ''

Company response to consumer: Closed with explanation