BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 at XXXXXXXX XXXX an unauthorized fraudulent wire transfer was made from my checking account by a person unknown to me. I went immediately to my nearest Chase Bank branch. At XXXX the XXXX Banker make a request to recall or stop the fraudulent wire transfer. The wire was not stopped or recalled and a thief got {$14000.00} out of my checking account. I have been trying since that day to get resolution but have not received my funds back and it appears that Chase has no intent to refund them.

I did what I was supposed to do. Chase did not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-21
Company: EQUIFAX, INC.
State: GA
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:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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 XX/XX/XXXX Account # XXXX XX/XX/XXXX XX/XX/XXXX Account # : XXXX XXXX Account # 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

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 2021-07-23
Company: Freedom Mortgage Company
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
1- Around XX/XX/XXXX I was contacted by Freedom Mortgage regarding a zero fee refinance. I had previously opted out of all solicitations by Freedom Mortgage. 

2- Repeated requests were made by me, the borrower, to bring cash to closing so as not to increase the value of the loan. Representatives of Freedom Mortgage always acknowledged the requests and ensured that all costs would be due at the time of closing. Representatives of Freedom Mortgage never followed through on those requests despite providing proof of funds on XX/XX/XXXX & XX/XX/XXXX. All associated costs were rolled into the loan which increased our total loan cost and added additional interest. 

3- After receiving a final closing disclosure on XX/XX/XXXX and being explicitly told by two freedom mortgage representatives that no conditions would change prior to closing, Freedom Mortgage issued a revision to the closing disclosure on XX/XX/XXXX, the date that closing was scheduled. The closing notary arrived at our house at which point I identified the discrepancies. At no point prior to closing was the revised closing disclosure provided to us as borrowers. 

4- No resolution has been achieved regarding false statements made from Freedom Mortgage staff, misrepresentation of terms of the refinance, cash to close discrepancies, bait and switch tactics, or other consumer protection violations that are likely occurring. As young borrowers of relatively low means, I believe this loan was designed to target us as vulnerable candidates to predatorily pursue.

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 2017-06-28
Company: DISCOVER BANK
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:
I opened a secured Discover Card with a {$200.00} deposit. After 7 months, they deemed my account eligible to become an unsecured card and as such, the owe me my deposit back. They claim to have mailed it  ( after 7-10 business day shipping ). I never received it. I called in and told them and they told me to wait another 30 business days for them to process and check to see if I had cashed it. As expected, I had n't and they claim to have mailed another one. After 7-10 days, I still have NOT received it. I called in and they told me my only option is to wait another 30 days for them to process and another 10 to mail. I need my {$200.00} and they are essentially stealing from me. The main demographic for this card is college students or other non credit worthy individuals and this is extremely malicious behavior. I mail using USPS every day and it has yet to fail me. I do not believe the problem is in USPS, I believe Discover is illegally not sending me my check. P lease help me retrieve my money. I can not afford to wait another 30 days for them to correct their own mistake, I need the money to buy my books for school, pay tuition, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hard inquiries were made, Ive included the attachment. 

Ace Cash, XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX , TX XXXX XXXX XX/XX/XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Checkr, Inc
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for a XXXX position and I was told that my background check had some criminal history and was denied. My criminal record was set aside in the state of Arizona XX/XX/2016. my rights were restored and I was released from any disability a XXXX would cause me such as the inability to gainfully be employed. I am a XXXX 's level XXXX XXXX   and having my charges set aside is vital for my profession.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: JPMORGAN CHASE & CO.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
ILLEGAL OUT OF STATE GARNISHMENT - I live in XXXX XXXX I have XXXX accounts with Chase Bank. Someone got a judgment against me with regard to a company that went bankrupt in XXXX  State that was determined to be a ponzi scheme. All transfers made by that company before it went bankrupt were able to be avoided by the trustee including payments to me and others. I was a victim. That person went to jail. A judgment was entered against me in XXXX. A debt collector law firm registered the judgment in XXXX XXXX, XXXX on XX/XX/XXXX and filed a writ of garnishment against my bank accounts in XXXX XXXX in XXXX XXXX XXXX where I have never lived or done any business or even visited. They sent it to Chase Bank because Chase bank does business in XXXX XXXX and I bank at Chase Bank in XXXX. Chase Bank froze my wife 's and my XXXX accounts XX/XX/XXXX for XXXX. XXXX was a sole proprietorship dba business account with most of our small business ' customers ' money, XXXX was a joint personal checking and XXXX was a personal savings account. They almost put us out of business. I had no money for food, no working capital, no money to survive on. We received the notice of course after the freeze. The courts don't care, the lawyers don't care. XXXX has exemptions that allow you to have some money left to survive on but XXXX doesn't. Chase applied the XXXX state exemption of {$500.00} and left us with only {$500.00} to live on. We work for ourselves so we had no paycheck coming in for money. They took our whole source of income. That should be illegal. The collection lawyers are supposed to come to XXXX with the judgment so I can fight it in XXXX and apply XXXX exemptions. My agreement with Chase says my account is located where I opened my account in person or where I live if I opened it digitally. I didn't open my account in the state of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I was notified by XXXX XXXX  on XX/XX/2018 that they reduced by credit limit. At this time my card balance was XXXX and my previous credit limit was XXXX. XXXX XXXX advised me that because of information they obtained they dropped the credit limit to XXXX which will not only report to the credit bureau as 100 % card usage and also over the limit which will tank my credit report score even more. I am contact XXXX XXXX and they advised that there is nothing they can do they reduced the limit due to the information they obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: NCB Management Services Inc.
State: OK
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:
I had a loan through  XXXX    XXXX   and in the past few months I 've been hospitalized and become   XXXX   XXXX   XXXX    XXXX  and have been awarded  XXXX  benefits-although I have n't started receiving any payments yet. I fell behind on my payments but I did call the bank and try to alter my payment plan. The balance owed to them was around {$1200.00}. Without my knowledge, they sold my debt to  XXXX  collection company and  XXXX  has falsely placed a collection on my credit report for a whopping {$3200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Credit Karma, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I transferred money from my Credit Karma savings account to my external bank account that was linked.The amount was {$940.00}. It shows on Credit Karma that it arrived in my XXXX account on XX/XX/XXXX. There is no money. I spoke with several Credit Karma reps via email and over the phone, and they told me XXXX is at fault, or that I can speak with their specialty team. XXXX has no record of this transaction pending, or even existing. Credit Karma has said they would escalate it but refuse to put me in contact with their higher ups to resolve this, they said they cant dispute it since theres no proof the money didnt land in the external account, and various other excuses. I have provided proof to them it did not land in my account like they asked and they still will not dispute it or refund my money. I am out almost {$1000.00} because of this. I am not the first person they have done this to if you look online. They are embezzling money from the customers that bank with them I believe. And when asking if I can dispute this, they told me theres no way to since its in my account. They also claimed XXXX told them they have my money, and when I asked for proof of who they spoke with at XXXX Bank and the email showing this, they couldnt provide me with anything. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My credit reporting for XXXX XXXX XXXX and XXXX XXXX - both closed accounts. It has been over 7 years since paid late, although the credit late payments are now recorded incorrectly. <P/>Yet they are on my credit as over 120 days late. I can not get credit because of this old credit that should be removed. <P/>Additionally, the XXXX account for {$8000.00} on XXXX is a duplicate account ONLY WITH DEROGATORY PAYMENT HISTORY. FALSE REPORTING. <P/>I 'm not as important to them although I am a paying member of these credit reporting companies.

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 2019-11-21
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019 my Mortgage loan was sold to Loan care. 

Loan care has tried to force change the terms of my loan since acquiring this loan, including : -charging fees to make a payment via phone or internet, where I had no charge options under my previous terms from my original loan -Indicating I have a prepayment penalty on billing correspondence, which is a change of terms from my original loan -Loan care is asserting I must and harassing me to pay my property taxes with my payment, which is a change of terms from my original loan -On XX/XX/2019 Loan Care paid my property taxes without my consent. 
-I called to object as this is unwanted and it was put aside -Loan care has again tried to change the terms of my loan to force me to pay my taxes with the payment and is currently holding my, on time, XX/XX/2019 payment and playing games again. 
-The last days I received calls from an unrecognized number and they finally left a voice message, it was Loan care asking me to call. I did and can get not satisfaction within the company. These unlawful actions by Loan care are causing anguish, interfering with my life and taking my time. 
I ask Loan care to abide by the law and stop attempting to change the terms of my loan.

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 2017-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Bank of America and XXXX Based BOA XXXX XXXX XXXX XXXX XXXX are yet again depriving me of my rights and preventing me from doing the right thing. 

Given the trauma, uninformed staff, its predatory nature, its refusal to allow a supervisor to speak with me, its illegal non-compliance with existing banking law, and the its apparent illegal discrimination against me in banking decisions because of my XXXX I today decided to close my BOA account. 

In doing so I was alerted by XXXX in Nevada that I could not close my account because there was deficit of XXXX dollars listed yet there was no listing of the nearly XXXX dollars BOA has of my money which it is refuses to deposit. Nice scam is you can make it work! 

Anyway I am so tired and traumatized by this whole experience that will be extent of todays post with a great deal to follow in the future. Thanks..

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 2019-11-21
Company: Experian Information Solutions Inc.
State: OH
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:
I have a collection for XXXX XXXX XXXX being reported to my experian report. Currently even after disputing the information it still shows i have made no payments, remains unpaid and has been on my report for 9 years now which exceeds the 7 year rule by two years. I have contacted XXXX  XXXX and left a voicemail a week from today XX/XX/2019 but still have had no call back. I have disputed this with experian many times with no prevail. For the past many years my check has been garnished for this account plus past due arrears. My report does not reflect these payments nor does it show that i am paying on the past due balance. Never the less being reported 2 years past the 7 year law is taking advantage of my rights under the FCRA

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 2019-11-21
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the past month, I have received repeated phone calls, multiple times a day, from diversity consultants, stating they are calling on behalf of XXXX.when asked regarding the nature of their call, they refused to give me an answer, and continue to ask me for personal identifying information. they then hang up on me when I continue to inquire to the nature of their communications. I then get calls back from them multiple times a day, while I am at work, and on the device I use for work. I have not received any written communication from them or comcast regarding any dispute, and feel that their level of communication has risen to the degree of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: AL
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 information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$9000.00}, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00}. Inquiries : XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: UT
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 XXXX XXXX  # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: AR
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:
XXXX XXXX {$300.00} XXXX XXXX XXXX {$8400.00} XXXX, XXXX, AND EQUIFAX ARE NOT COMPLYING WITH REGULATIONS BASED ON MY REQUEST FOR AN INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: UT
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 XXXX # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-28
Company: EQUIFAX, INC.
State: GA
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:
I am writing to dispute the following information in my file. I recently received a copy of my credit report and these inquiries remain on my report after explaining several times that these are not valid. The credit report showed credit inquiries that I didnt authorize. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: GA
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, the item listed below has violated my rights. 

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 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 XXXX XXXX XXXX XXXX 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 an account without my written instructions. ''

Company response to consumer: Closed with explanation