BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX acct # XXXX XXXX Is reporting in my credit report Transunion and XXXX wrongly and is in violation and defamation of my credit right, Please have this account removed immediatly .This account was settle and paid off by me ( XXXX XXXX ) in the amount {$700.00} total in a monthly court agreedment for a $ XXXX monthly until account paid off, i have all documents to proved it.

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 2022-08-17
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received letter stating debt was owed for a credit card account that was charged off in XXXX of XXXX. Responded to the claim on XX/XX/XXXX asking for further details which included : 1. The original amount of the debt ; 2. The original contract or information about this account ; 3. The name and original creditor to whom this debt is owed ; 4. Verification of each transaction held for this debt, and or any court ordered judgment against it ; 5. Proof of historical payments made, transactional history of the account ; 6. Proof that the collection agency is licensed to collect in the State of XXXX ; In this letter, I clarified that this account was in fact fraudulent, that all charges were not mine/never were mine, which included the information pertaining to the existing police report for fraud ( which names this account, among many ) ; with a named perpetrator who is in prison. 

The response was received by the collection agency on XX/XX/XXXX with a letter stating their accounts were accurate, that they were essentially ignoring the communication sent via certified mail ; followed by a single, final financial statement from the original creditor with interest only charges ; no other historical transactions. They are unwilling to cooperate and acknowledge the criminal findings and formal police report and continue to pursue the debt. 

They have continued to make phone calls to my phone even after requesting on XXXX occasions they cease communications that were not via They blatantly ignored the information in the letter and have been uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Student Services
State: MA
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I am a victim of a student loan debt consolidation scam. I received information in the mail. I was informed that this company worked with the government and they had all my information. they offered to consolidate my loans and give me a low monthly payment. they had me submit tax returns and all of my personal info. one month I noticed a payment was not withdrawn and I called FASFA to discuss my loan amount and they informed me that this was a scam. the company went as far as contacting FASFA pretending to be me to set up an account. They scammed me for XXXX dollars and none of the money went towards my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
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:
XXXX, XXXX XXXX XXXX XXXX contacted me today and left me a voicemail ( attached to this complaint '' stating the following. This is civil claims processor XXXX here with the county. We're calling in regards to a requested summons that was issued this morning from the department of check and arbitration. They have requested that we do have you served between 24 to 48 hours at your residence or place of employment. If you would like to resolve this matter on voluntary terms, you need to speak with the plaintiff immediately at XXXX XXXX XXXX XXXX. If they do end up granting you an adjournment and you resolve the matter voluntarily, make sure they fax us over the stand down order. We need that legal document as soon as possible. If we do not receive that legal documentation, make yourself available. Thank you. Good luck. And you have officially been notified. : This is a total violation of the fair debt collections practices act 1692 d Any conduct the natural consequence of which is to harass, oppress, or abuse any person 1692 e ( 5 ) Threaten to take any action that can not legally be taken or that is not intended to be taken 1692 e ( 15 ) Documents are not legal process forms or do not require action by the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: MIDFIRST BANK
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern ; Midland mortgage, is still being deceitful in their dealings and business practices with me. On XX/XX/XXXX I filed a claim against them for not being clear about my recovery options and being illusive in regards to the calculations I received. On XX/XX/XXXX at or around XXXX XXXX  XXXX, XXXX XXXX offered me XXXX for my new monthly payments, which I accepted. I wrote in to CFPB make sure it was calculated according to the rules, due my poor experience with Midland mortgage. Midland mortgage responded stating, that is the agreement and to get my utility bill in asap. I immediately complied and sent them the document. After calling in several times, they finally verified receipt of document and later sent a letter confirming. On or about XX/XX/XXXX I looked at the modification Midland mortgage has sent and it is totally different than the amount we agreed to and it has a higher interest rate and amount to the price of XXXX. I called in and spoke to a loss mitigation officer who told me, that the interest is calculated from the time it is offered. They made error in calculating my mortgage with the recent rates. The records clearly shows and confirms my offer was made on XX/XX/XXXX at XXXX XXXX by XXXX XXXX and confirmed through correspondence. Please find attached Midland mortgage modification, acknowledgement of offer and confirmation of utility receipt. 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 2020-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
On XX/XX/XXXX XXXX released a refund in the amount of {$91.00} and when you call XXXX XXXXXXXX XXXX they state the have a heavy call VOLUME and then it says they are closed. I contacted them online and received a message to inbox them. I did that on XX/XX/2020. Thousands of people are getting the same message on XXXX and they aren't responding to anyone. I want the credit to my account. XXXX also sent me proof they did the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened an account with Washington Mutual in XXXX XXXX. My last statement with WAMU was on XXXX XXXX, Chase Bank had bought out WAMU. 
Chase raised my interest rate from 8.95 to 10.24 and also dropped my credit limit from {$4200.00} to {$4000.00} when I was close to that limit. 

My Chase account was closed on XXXX XXXX. Amount on my account at the time was {$4000.00}. For 4 months after my account was closed, interest and fees totaling {$390.00} were added. My credit report showed that Chase " charged off '' {$4500.00} which is {$140.00} more than what they reported was " charged off '' and {$530.00} more than what my account was closed with. 

I had spent some time in the hospital and was trying to work out my debt with Chase. I asked them to change my due date to XX/XX/XXXX, since that was when I was paid. The Chase employee told me that " I was wasting their time making minimum payments ''. 

Chase sold my account to XXXX, a collection agency. The first letter I received from XXXX was in the amount of {$5200.00}, which was a lower amount on my credit report. 
The {$5200.00} is {$760.00} more than Chase had " wrote off '' and {$620.00} more than what Chase had reported was " charged off ''. XXXX should of never been able to add that much. I was n't using the card and the amount on the card was going up faster than when I was using the card. I dealt with XXXX and they took their name off my credit report. 

Chase reported 2 times and XXXX reported 1 time. This was XXXX strikes against me and I was a homeless Veteran for 36+ months because of this error and lack of communication. 

Chase claims they " report accurate information '', I guess more than one time, if they choose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent out certified letters XXXX XXXX, XXXX to each of these companies below to verify that it was in fact me who made these inquiries with verified proof. They neglected to respond and now you are at fault on reporting this unverifiable information. You are required by a Federal law to remove them from my credit report. 
Name of Company Date of Inquiry Type of Business XXXX XXXX XXXX. XXXX/XXXX/XXXX Department And Mail Order XXXX XXXX. XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX BANK. XXXX/XXXX/XXXX XXXX And XXXX XXXX. XXXX/XXXX/XXXX XXXX And XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX And XXXX XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX The failure on their behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX XXXX, FL Courthouse in order to defend yourself.

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 2022-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On or about XX/XX/XXXX, I mailed a check for {$35.00} payable to the XXXX XXXX XXXX XXXX ( along with my holiday cards ) in the mailbox outside the post office on XXXX XXXX in XXXX XXXX, NJ. This mailbox was emptied by thieves at some point in the next XXXX XXXX. I filed a complaint with the US Postal Inspection Services at the time ( CCC Case No : XXXX ). 

My check was then altered to be made out to a different party ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) for a much larger amount ( {$9500.00} ) and deposited into a Bank of America account. Funds were taken from my XXXX account on XX/XX/XXXX. I notified XXXX as soon as I noticed the issue and completed all necessary forms and provided a picture of my check register showing the original check recipient and amount. 

As of today, XX/XX/XXXX, I have still not received the funds back from Bank of America. 

I have reached out to XXXX many times in the 9 months since this fraudulent activity has taken place and they continue to tell me they are waiting on a response from Bank of America. 

Please help me get my hard earned money back. I am happy to provide whatever you need to help you plead my case. As you mention not sharing any confidential information on this forum, please contact me directly at XXXX if you want me to provide the supporting documentation that I have. 

Thanks in advance, 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 2022-07-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have had a Wells Fargo account for over 25 years. Recently I was notified that, without my permission, my account was " upgraded '' and if I did not keep {$250000.00} on deposit, I would start to be charged monthly fees of {$35.00}.

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 2015-05-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Delinquent account

Complaint:
Opened an XXXX.com rewards VISA account with CHASE bank in XX/XX/XXXX. Never received statements either electronic or via mail. Called multiple times to arrange payment and have statements updated after receiving calls from debt collectors. This happened XXXX, where the only notice I received was from a debt collector within a few days of being past due. Even after paying the balance, CHASE still reported negative XXXX days past due to all XXXX credit reporting agencies. This happened XXXX for XX/XX/XXXX and XX/XX/XXXX. Have since gone to XXXX.com and setup accounts to send paper statements via XXXX and have not received them. Just noticed on XX/XX/XXXX that once again a payment was XXXX days past due ( no statements or alerts were sent ). Payed the balance and have now cancelled all cards with CHASE bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Experian Information Solutions Inc.
State: VI
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:
There are quite a few hard inquiries showing on my credit report that was not authorized by me and therefore I am asking the credit reporting agencies to please delete them. The only ones that I know of are 1.  XXXX XXXX XXXX  XXXX 2. XXXX XXXX XXXX .3XXXX XXXX XXXX. The other hard inquiries was not authorized by 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 2022-09-06
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was scammed via XXXX  for a service that I didnt receive. I asked the merchant for my funds to be returned profusely. Chase refused to go forward with disputing the claim. XXXX couldnt help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am the probate and power of attorney for my aunt XXXX XXXX, She passed away in XX/XX/2021. My probate lawyer sent them correspondences in XXXX XXXX XXXX, XXXX and XXXX and they have not responded and will not release the money. Everything has been done and money should have been released but they will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Today I received in the U.S. Mail a letter from " Experian '' dated " XXXX XXXX, 2016. '' Under the " Address '' section of my " Experian '' credit report it lists a false address of " XXXX. XXXX XXXX ; XXXX, California ; XXXX. '' I have never lived in " XXXX, California '' nor I have ever own a " XXXX. XXXX XXXX '' in " XXXX, California '' nor anywhere else in California! I am the victim of Identity Theft. I had written to " Experian '' about " Deleting '' this " XXXX, CA '' false address over 30 days ago, all to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have reached out to capital One over a dozen times in the last XXXX days but Im unable to reach a single person in their auto loan department. Every single time I call, I get bounced around their automated system and then hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On Tuesday, XX/XX/2022 at XXXX a.m. I received an email from " Experian '' with the following email address XXXX. This email states that my credit FICO score had changed, then stating that it increased. I have reported numerous emails to the FTC, as I get frequent responses by Experian ( i.e. several in a month ) without using any of my credit and not sure why they are continuously reporting that my credit is increasing and decreasing. It concerns me that someone has accessed my personal information, although when I check my XXXX credit card and my XXXX banking account that I own, there are no fraudulent charges. I have also looked at my credit report at the beginning of this year and did not see any unknown activity. I currently can not access a free report, but will do so when I can. Is someone able to utilize financial information that belongs to me to create accounts that I would be unaware of? 

This is the last email I received : XXXX, your XXXX Score has been updated XXXX Mail / Spam Experian Alerts XXXX To : XXXX Tue, XXXX XXXX at XXXX AM For your security we XXXX all images and links in this email. If you believe it is safe to use, mark this message as not spam.Show images Why is this message in Spam? 
We believe this message is spam as you marked previous messages from the same sender as spam. If you want to receive future messages from this sender, please mark it as XXXX XXXX '. 
It's not spam Experian Membership ID # XXXX Member Sign In XXXX, please review your alerts FICO Score Great job! Your hard work paid off and your score increased. 
FICO Score Your score rating changed. 
See all alerts XXXX XXXX XXXX XXXX XXXX Why am I receiving this email? 
This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian XXXX XXXX emails in the past, dont worryyou no longer receive newsletters or special offers. 

You can update some alerts and communications preferences any time on your Experian XXXX XXXX profile, but youll continue to receive notifications like this one on the status of your account. 

To ensure that youll stay up to date on account notifications, add XXXX to your address book and avoid marking these messages as spam. 

Privacy Policy View Your Consumer Right to Obtain a Security Freeze 2022 XXXX XXXX XXXX. XXXX is a trademark of XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX an Experian company. All rights reserved. 
po box XXXX XXXX, TX, 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 2015-10-14
Company: Leading Mortgage Solutions
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a refinance loan with Leading Mortgage Solutions in XXXX XXXX, and with XXXX XXXX. After approval and before the closing, I was told directly to NOT pay my XX/XX/XXXX payment and that the loan would close before then, and there would not be a 30 day late marked on my credit report. I took their advice. Fast forward a month to XX/XX/XXXX, when I applied for a loan with a different lender for a XXXX home, I was told that my credit report showed a 30 day late payment from the refinance transaction that I was assured would not be there. I complained to the company, they informed me that I was incorrect, that there is no blemish on my credit, and that I should call the old company to resolve myself. I found this unacceptable, and filed a poor review on XXXX. They contacted me via email, as well as rebutted the XXXX review, and again claimed I was wrong, and to clear it up myself. I told them I expect them to clear it up as it was their advice that led to it. I have filed a complaint with the XXXX, but am hearing the same from the company about how I am incorrect. Even after I sent XXXX XXXX screen shots of all three credit reports showing the blemish, he tells me to call the former lender and clear it up myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: CITIBANK, N.A.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My previous Citi account number was XXXX. On 2018, my loan was with Citi but was sold to XXXX XXXX. Currently, our mortgage is with XXXX XXXX. 

Our credit XXXX score is significantly better but it can be improved by having Citi remove and update our mortgage information that is used by all Credit bureaus. Based on the fact that our loan was sold in 2018, and the information that Citi entered is currently affecting our credit rating. If the information is removed, then our credit score will show improvement. 

The information, if left there, only downgrades or credit ratings. 
I ask that this outdated credit rating information be removed.

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 2022-08-26
Company: EQUIFAX, INC.
State: TX
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:
the accounts/ inquires cant be verified and need to removed from report XXXX XXXXo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation