BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
On or around XX/XX/XXXX I signed up for a six week subscription to our local newspaper XXXX XXXX XXXX XXXX for {$29.00} -On XX/XX/XXXX I called to XXXX XXXX about an unauthorized charge for {$24.00} on my credit card, I called canceled my subscription before the end of my six week trial and requested a refund for the unauthorized charge. My paper stopped being delivered shortly after this call. I noticed a 2nd unauthorized charge for {$29.00} on XX/XX/XXXX, called again to inquire about the unauthorized charge. On XX/XX/XXXX I complained to my credit card company. My credit card company declined my claim because I could not prove that I canceled the paper. I shared that I canceled via a phone call and paper stopped being delivered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
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:
I was sent a certified letter by mail but have not responded to sign for it but new it was for court so I looked up and I found they are taking me to court over debt owed but I have never heard of portfolio Recovery Associates and have never owed them nothing I have never got a letter or a call that I do so to me I dont owe them. Can I get help with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: DISCOVER BANK
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
discover bank has falsified debt collection against me, so they obtained judgement against me in Ohio state on XX/XX/XXXX, while I was live in anther state so they have used unethical attorney to falsified address for me in Ohio that i have never ever lived in. and some how they obtained that judgement against me on XX/XX/XXXX, I have prove of address that I have never lived there plus they are demanding that money frorm person called XXXX XXXX, XXXX A BUT MY NAME IS { XXXX XXXX XXXX } SO THEY HAVE FILED WITH THE COURT TO GRANISHEMENT MY WAGES ON XX/XX/XXXX, SO EVERY THING WAS FRAUD TO GET OVER MY WAGES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 disputed the account XXXX  XXXX  XXXX/XXXX  XXXX XXXX  act # XXXX with XXXX, XXXX  and Transunion and the fraudulent, incorrect information is still there. 
I do not know who XXXX  XXXX  XXXX/XXXX  XXXX XXXX  is. 
I have never signed an agreement with XXXX  XXXX  XXXX/XXXX  XXXX XXXX  They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX XXXX XXXX account XXXX with XXXX, XXXX  and Transunion and the fraudulent, incorrect information is still there. 
I do not know who XXXX XXXX XXXX  account XXXX is. 
I have never signed an agreement with XXXX XXXX XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020

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 2019-06-13
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called XXXX XXXX because i have been receiving 7 to 8 calls a day from them regarding a debt and the representative XXXX called me a XXXX liar after i asked about settling my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: AZ
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:
Card opened in XX/XX/XXXX. I haven't ever received a statement from them to this day, and didn't receive my card until Months later. Didn't have online access because I didn't receive a statement/billing/card info. They stated I have a late payment marked for XX/XX/XXXX. I am not receiving statements, no online access, no communication AT ALL. They removed multiple late fees due to this internal error previously so if they can admit it was an error qnd remove the fee, why won't they remove the remark to the credit bureaus. As soon as they called me stating I was being sent to collections for a late payment I had no idea of, I paid the balance. I have received NO communication from them for late payments, no statements, calls nothing so I didn't know when my payment was due or what my balance was. I have asked for this to be removed from my credit report multiple times due to an internal issue on their end and even filed with my credit bureaus and provided all information from my account with them as well as screenshots from the online system I finally got access to end of XXXX XXXX from a helpful representative that finally wanted to assist. Today I spoke with a manager and they said they will not do anything at this time and to " wait for the letter '' ( that I'll never receive ) from the last dispute for removal even though I can clearly prove I'm not getting mail and have no access to see what they wrote. This has been going on since the day they called me in XXXX stating I was late. This is the only late mark on my credit report as I don't pay bills late and always try to pay early but without statements and access to what I owe and when it's due, How can a company expect someone to pay them appropriately. In the screenshot you can see all payments to prior to XX/XX/XXXX were made by phone and are on different dates because I didn't know when my bill was due nor did I have online access to see statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase Mortgage Financial is refusing to honor my Mortgage Modification that was accepted thru the HUD HOPE program. I completed the program thru XXXX XXXX XXXX where I was advised that I would be receiving paper work that outlines the fresh new restructured Mortgage interest rate and monthly payments. This was suppose to happen around XX/XX/2019. As of today, I am still waiting for this paperwork. I have tried to contact Chase yet my Relationship Manager refused to return my calls. Even my Financial Consultant reached out to this Relationship Manager and he was also unsuccessful. Due to Chase 's negligence in properly managing this mortgage and refusal to honor the new Restructured Mortgage, it has turned into a complete nightmare. I am being harassed by their Debt Collector ( who is a law firm ), who not only refuses to honor a cease and desist order but continues to file FRIVOLOUS Motions with Connecticut State Court of law and threatening me with foreclosure. 

Chases " explanation '' in the past to their blatant negligence is egregiously incorrect! Not only have they been calling a number that is not even mine, they are claiming they needed new information stemming 5 years ago which is new news to me. The mortgage was never 184 days late! They purposely refused payment due to their negligence in properly managing the mortgage. My Mortgage has COMPLETED THE MODIFICATION PROCESS! It has been restructured with a new interest rate and monthly payments!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/2018 I contacted Equifax and submitted disputes online for the accounts listed as XXXX with the amounts of {$75.00} and {$190.00}. There is no information provided such as company name, contact information or that this is mine. I worked with a financial advisor and we could not find any company or contact information nor anything linking this to me. I was advise this is fraud. On XX/XX/XXXX I was notified by equifax that the information shown on my report was accurate but provided no information how to contact this company to either resolve or remove this if it is not mine. Currently, it is still on my account and I have resubmitted another dispute on XX/XX/XXXX to dispute this again as it is still fraudulently on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,  Incorrect balance, the date reported, and the account type are inaccurate. 

XXXX # XXXX XXXX XXXX XXXX XXXX - XXXX XXXX # XXXX XXXX XXXX # 109 XXXX XXXX # 109 XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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 status incorrect

Complaint:
This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC overaccountsXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Third-Party Collection Agency unable to validate debt. Other problems have included debtbuyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtorsaccount ), or debt buyers attempting to collect monies in excess of the balance of a previously disputed debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that proof of Claim and verification.

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 2019-08-30
Company: Experian Information Solutions Inc.
State: NY
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:
Hello. My private information including d.o.b., SSN, & address amongst other things has been breached and sold on the darkweb several times over the last few years according to the credit reporting agencies. Now I found several accounts I have no knowledge of and attempted to get them removed by a dispute but all results were nil. They're the ones who told me my information was compromised and offered a settlement but when I try to explain I have no knowledge of these accounts they just say it checked out and your stuck. It's not fair or just, they know my credit information was sold because they're the ones who told me but because my name and information checks out it was me. This entire system is crazy! I have no knowledge of these accounts and don't even know where they originated from. I just hope someone can help me clear this up.

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 2021-04-10
Company: States Recovery Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello I have been dealing with a serious issue with the States Recovery Systems Company in XXXX XXXX, CA. Since XX/XX/XXXX, I noticed on my credit report that the company States Recovery Systems had shown up as a debt collector " claiming '' I owed them a debt. In XXXX of XXXX, I reached out to them via certified mail trying to dispute the matter by requesting the original instrument of indebtedness they that claim I owe as well as a contractual agreement between myself and SRS. I let them know that if they couldn't provide me with anything within 30 days then they have accepted the " debt ' they claimed I owed them. The company have failed to respond back to me but still is reporting the erroneous item on my report. They have violated 15 usc 1692 codes f through g.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
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:
XXXX  and Transunion are fraudulent on my following accounts : XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX  is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXXXXXX XXXX XXXX, XXXX is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I got a text that said the following : " CHASE : Your account has placed on Hold! We need to verify your information to remove hold. Please visit XXXX : XXXX to regain access '' Since I don't have a Chase account I know this is a fraud attempt. I didn't click on the link and I blocked the phone number it came from ( XXXX ). Fortunately, since I've had fraud issues in the past I'm aware of what to look for. However, another person may have received this and if they had a Chase account they could easily become a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Credit Corp Solutions Inc.
State: NJ
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:
Credit Corp sent correspondence to my residential address violating FDCPA after being told DO NOT CONTACT me. Credit Corp flagged my complaint ( XXXX ) as a duplicate complaint to complaint ( XXXX ). Complaint ( XXXX ) provided specific violations of Metro2 such as, reporting data on my credit report as a credit grantor when Credit Corp is a debt collector, providing credit limits, terms, payment, utilizing comments within credit report, credit history/ratings, original charge-off violations. FCRA violations, NO FCRA date, falsifying FCRA dates by not aligning with payment history and failure to report alleged debt as medical. PLEASE DO NOT delete this complaint and review the supporting documentation attached that specifically calls out all credit listing violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good Afternoon, After attempting to seek restitution of funds through the bank system directly and through a complaint filed with the Office of the Comptroller, I'm hoping you will be able to help me. An aide in my local senator 's office suggested I try filing this complaint to see if it would help. 

On XX/XX/XXXX, a check I had mailed to pay town taxes was forged and cashed after being stolen from a post office mailbox and altered to change the payee and the signature. It was clearly a forgery and a tampered check. I did not realize this happened until XX/XX/XXXX when the taxes on my home were delinquent and I faced a tax sale situation as a result. I contacted the bank immediately. While I was hopeful at first and a local bank manager was also optimistic, the end result was denial of my claim for the {$6200.00} stolen from my account. Ever since, I have been trying to find a way to be able to retrieve the funds from Citizens Bank. I have a police report and other notes as part of the request. I filed complaints with Citizens directly as high as I could go in the Office of the Chairman. I contacted my senator 's office and others for assistance. Repeatedly, I have been informed that they are only obligated to act on the forgery if discovered within 30 days. While I understand they may be within the law to deny my request, I'm still distraught over losing {$6200.00}. Last winter was a particularly busy and uncertain time and I just can't believe Citizens bank is applying and flexibility with customers. The end result may be that I and a few other friends and family close all accounts with Citizens but I continue to hope I might find a resolution. Thank you in advance for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I was given a Closing Disclosure that showed {$3000.00} that I needed to pay to close. On XX/XX/XXXX, ONE day before closing, I got yet another Closing Disclosure that had increased to {$5500.00} leaving me less than 24 hours notice to sustain an increase that was almost DOUBLE! It's illegal as the amount should not increase any more than 10 %.

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 2021-04-10
Company: EQUIFAX, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax has been placing negative items on my credit report and it's making my score go down. I've tried contacting them to let them know that those negative items are not mine and they refuse to remove them. I was denied a house loan because Equifax is reporting false late payments from these accounts that are not mine. I called both companies which are World finance and Security finance to find out more information about these false credit lines and neither company can find me in their system. They are not able to find me with my social security number, name, date of birth or address. I've informed Equifax and still, they have refused to remove them. I asked them if they sent the dispute to both companies and a gentleman told me that they had sent out a dispute on XX/XX/2021. I called both companies to verify if what the gentleman told me was true, unfortunately both representatives from both world and security finance told me that information was incorrect. I called back on XX/XX/XXXX, XXXX and XXXX and still neither company hadn't received a dispute from Equifax. I want more information on seeking legal reparations from Equifax for the harm they have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We contacted PHH on multiple occassions to obtain a payoff. They finally after multiple times provided a payoff for XXXX & XXXX. Which delayed our closing until XXXX. However, we had to pay the whole {$2700.00} in interest for 31 days and they state that according to fha rules they must collect the whole month in which i know that is the case but during a payoff why should they be able to keep those funds when it when we closed on XXXX? I know there were several law suits in the past over this. I was already very disappointed in them because for over a years time we sent in for requests and forms to stop charging pmi on our loan. They continue too state that we had to submit a request annd send in a form. We did this multiple times which cost us over {$200.00} mo. They blamed some on covid but i dont believe that every time my form was lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone fraudulently hacked my my checking account by stealing my debit card number and using XXXX pay to steal {$500.00} on XX/XX/2021. I immediately contacted my bank and let them know it was fraud even though it was still processing. They cancelled my card and sent me a new one. 10 days later i receive a letter from Bank of America stating my claim is closed and they are not refunding my money. I have NEVER used XXXX  pay before in my life. ALSO bank of america denied another transaction FOR THE SAME THING tagging it as fraud and then let this one go through. I want my money back.

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