BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase bank locked my accounts. I can not log in or access any of my accounts. This started because a friend of mine sent me money using Chase XXXX  XXXX ( about {$1200.00} ). My friend sent the money from her Chase account, to mine, and yet they locked my account because they could not verify her. She is currently on XXXX leave in XXXX and will not be back to the US for months. Chase told me they will not unlock my account until she comes to America to verify her account with them! I asked, how can you lock my account because of an issue with someone else 's account?! They could not provide any reason or explanation to me. This is a big problem for me since Chase has my checking account and money that pays for my bills and credit cards, and I can not access any of my funds or accounts for two days now. Chase also has control of my XXXX XXXX XXXX XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Merchant Credit Guide continues to harrass my family by phone. 
We have asked them to stop but they refuse.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: NE
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:
XXXX, Equifax, and XXXX  are committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine on my consumer report. This debt is not mine and this is illegal and fraud and a result of identity theft which I have been a victim of twice already. I do not owe alleged amount from these fraudulent accounts placed on my consumer report and a company cant just say you owe money and place an item on tri-bureau reports fraudulently and falsely. I have been denied employment twice because of these inaccurate accounts on my consumer report and causing my family and I a high level of emotional distress because we cant move forward. I demand for these accounts to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I have been requesting verification of the following account that Equifax continues to report on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Equifax listed that XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XXXX XXXX, XXXX. Also with the new law that was passed on XXXX XXXX, XXXX stated that beginning XXXX XXXX, public records data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens must contain minimum identifying information and be collected at more frequent intervals as follow : Minimum reporting of : Name, Address, and Social security number/ and or date of birth. Or Minimum frequency of courthouse visits to obtain newly filed and updated public records at least every 90. I contacted Equifax to provide the information and verify the account with the new law and have not received any correspondence to the law. 
On XXXX XXXX, XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Agent XXXX and he informed me that a security freeze was placed on my account as of XXXX XXXX, XXXX. I have a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. On XXXX XXXX, XXXX, I also contacted the number listed at the bottom of my XXXX XXXX confirmation paper XXXX and spoke to Agent XXXX and she also advised me that my security freeze was confirmed and set into place as of XXXX XXXX, XXXX. She also stated that there is NO inquiry from Equifax or mode of verification from XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: First Data Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
There is a {$500.00} charge on the card for a money transfer service I purchased from a third party that never happened but they debited my account. Wanted start a dispute. Money Network agreed but they said they had to send me a form to sign first. Never received such a form.
 XXXX 
Also contacted them by sending them a letter, still no response.
 XXXX 
I have no idea what their intentions are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I purchased our first home and closed on XX/XX/2021. The closer, XXXX XXXX, XXXX collected and sent the wrong flood insurance payment to XXXX XXXX corporate. Our local insurance company, quickly rectified the problem by collecting the extra {$600.00}, and re-issuing our Flood insurance declaration to HOMEPOINT FINANCIAL, our mortgage company. Unfortunately, XXXX also has several different insurance declarations for my policy, which is very confusing. 

HOMEPOINT FINANCIAL refuses to acknowledge that we have adequate Flood insurance and is about to make us pay for forced flood insurance, despite many hours of phone calls, emails, and three way communication calls with me, our insurance carrier, and HOMEPOINT FINANCIAL. We have received at least two or three threatening letters per month from HOMEPOINT FINANCIAL, telling us we have insufficient coverage, then sufficient coverage, then insufficient coverage, then sufficient coverage, etc. On my most recent call to HOMEPOINT FINANCIAL last Monday I spoke to XXXX who 3 way called XXXX XXXX, and was emailed the correct updated insurance declaration. XXXX assured me this problem was solved, that she sent and email to the department stating I had adequate flood insurance that that department had received the email and that I was going to receive one final letter stating HOMEPOINT FINANCIAL was cancelling the forced insurance. INSTEAD, I was sent a FINAL NOTICE LETTER, stating I will be charged THOUSANDS OF DOLLARS for FORCED FLOOD INSURANCE that I already have and have always had since we purchased this home. This is an absolute nightmare, I don't know what to do, or who to turn to for help. No matter how many times we contact HOMEPOINT FINANCIAL, or what we send to them, THEY REFUSE TO ACCEPT mine, or XXXX XXXX binding legal flood insurance documents as proof of insurance. HOMEPOINT FINANCIAL seems bent of ILLEGALLY STEALING OUR MONEY. PLEASE PLEASE PLEASE, SOMEBODY HELP US!! Is there any way to prevent HOMEPOINT FINANCIAL FROM STEALING FROM US???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I refinanced my mortgage with Quicken loans. I told my loan representative that I didnt want my payment taken as the refinance funded and paid the prior loan. I was assured again and again that they would not take my payment. They did. I've talked to numerous people including the district manager of mortgage lending and was assured they would correct their mistake. 22 days later I still dont have mymoney back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: MIDFIRST BANK
State: WY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Sold my house on XX/XX/XXXX without following legal procedures : did not notify me of sale date or pending foreclosure by certified mail, and did not publish the sale 4 consecutive weeks before sale. Sent me letters that took an unexplained and unacceptable amount of days even for the US Postal Service. One took 14  days and the other took 10 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 explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: MD
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 Account : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX - Account # XXXX has violated my rights 15 U.S.C. 1861 section 602 A. States I have the right to privacy. 

15 U.S.C. 1861 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 2020-02-25
Company: Experian Information Solutions Inc.
State: AL
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:
I contacted XXXX/Experian in regard to over 14 inquiries which were not made by me and even spoke to them via phone numerous times.

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 2020-02-25
Company: The Bureaus, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Experian Information Solutions Inc.
State: FL
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/2018, I was made aware that my twin sister and I credit file may have been merged with one another, as one her accounts was reporting on my experian report. I contact the lender and they, of course, stated the credit reporting company made the mistake and they were not complicit or culpable. I checked the rest of my report and noticed my sisters name listed as one of my names.

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 2020-02-25
Company: EQUIFAX, INC.
State: AL
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:
I contacted Equifax/XXXX  in regard to over 14 inquiries which were not made by me and even spoke to them via phone numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Turning Point Solutions LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Capital Solutions continues to call and harrass me over a debt that is way past the statute of limitations. I have requested numerous times that they not call anymore, they refuse to stop calling. 

I am continually being told they are going to process my paperwork and serve me over a debt lawsuit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have gone through an identity theft situation within the last few months and i have been doing everything to clear this misinformation from my report as it is affecting me during these hard times greatly. someone tried to open accounts with different banks using my name. I have filed many paperworks with the bureaus to no avail. 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 explanation
Consumer complaint received 2022-04-28
Company: Convergent Resources, 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: Personal information incorrect

Complaint:
On my report there are addresses, accounts, and social security numbers that do not belong to me.

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 2022-04-28
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Acct # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on credit card account under a open end consumer credit plan as late for any Purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Diversified Recovery Bureau LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2020, XXXX XXXX with Diversified Recovery Bureau, called XXXX XXXX, someone who is not a co-owner on my account, and told him my balance and asked him to pay it. This is unacceptable given that XXXX is not on my account. XXXX claims this is legal in her state, but XXXX is not on my account and this is not legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I just learned of this in XX/XX/XXXX when I received bank statements that I requested going back as far as XX/XX/XXXX for a pending divorce I am in. Since XX/XX/XXXX I have been trying to acquire more documentation from Wells Fargo and they have stopped cooperating giving me what I am asking for as I think they know that they are liable since they sent me a mediation invitation letter. In my review of what I have been given so far, I am seeing the following wrongdoing on their part : *opening 6 bank accounts without my knowledge, presence or consent *failure to audit or flag these and a myraid of other WF accounts that my soon to be ex husband solely managed. I am seeing what looks to me like crimes of embezzlement, money laundering, money mueling, identity theft, fraud, tax evasion etc.and WF Bank did not catch any of it because they were with not auditing/flagging accounts or someone on the inside of the bank was turning a blind eye and allowing it all to happen *failure to report submit and IRS Form 8300 's and failure to report to XXXX XXXX ( XXXX XXXX XXXX XXXX ) regarding all deposits that were made over XXXX ( or increments totaling XXXX ) within a 15 day period between XXXX and failure to report to either entity suspicious banking activities *Wells Fargo cashed and/or deposited a bunch my payroll checks that my ex took fraudulently endorsed without my knowledge or consent.

*Wells Fargo allowed multiple debit cards in my name to be used at the same time without raising a question, so it is clear that my ex was using or allowed his girlfriend of 5 years to use my card ( he was living a double life during our marriage ), whilst I was using the another debut card with my name on it that he gave me, telling me that my old card was no good anymore ( which clearly I now know was a lie ). 
*I believe that my soon to be ex had a bank employee on the inside helping him to facilitate white collar crimes and may have been getting paid some hush money to turn a blind eye. I am speculating this but I do not know how my ex got away with everything he has done all those years without someone raising a hand. My ex had a personal po box that he was having everything financially related to that I had to access to and he did not allow me access to anything which is why I never learned of his crimes earlier than XXXX XXXX of XXXX because had I discovered it sooner I would have blown the whistle on him sooner. Wells Fargo in my view failed in their duties as a financial institution and should be held accountable and I believe I am owed restitution from them for my losses which between XXXX was over XXXX XXXX dollars.

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 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
it's been 90 days since my first request and this company keep reporting inaccurate information in my credit report.

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 2018-12-31
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After going through numerous stages to obtain a Federal employment position, the final stage is a background check which includes pulling my credit report from the 3 agency 's. Two came across no problems but the 3rd from Equifax returned a fraud alert error. This alert was not placed by me, and i was never notified of this error. I have spent now 30 days attempting to remove this alert, calling every day, faxing requested documents numerous times. I get different explanations from them each time i call. Nobody at Equifax can tell me why the alert was placed in the first place, and now i.am being told they have no file for me at all. I am now in jeopardy of loosing this position i have worked so hard for, and nobody at Equifax will help me.

Company response to consumer: Closed with explanation