BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-02
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XXXX XXXX, 2020 I went into Chase bank XXXX XXXX XXXX XXXX branch. XXXX  XXXX. Oregon. My reason was to get a cash advance off of my XXXX XXXX debt card that is issued through social security. The teller 's terminal closed and I was told by the manager that they could not give me my cash which was in the amount of XXXX XXXX dollars. The money was deducted from my card and not given to me. I was first told that it would be 5 business days before I could get it, after that 5 days passed I was told it would be 10 business days. This left me without any money, any food, or my medication. This caused a horrible hardship on me, and only after I contacted Chase executive offices was my money refunded back to my card 17 days after the incident. I am asking them for monetary compensation in the amount of XXXX dollars the amount with held from me, and nothing less than XXXX I am trying to do this without going the legal route. The only thing that I am being told is that it is in resolution. Not saying that yes they will comply or no they will not. I need to be compensated for what was caused to me as it was no fault of mine. please help me with this. I am a senior citizen XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX/DEPT OF ED 2. XXXX/DEPT OF ED 3. XXXXDEPT OF ED 4. XXXXDEPT OF ED 5. XXXXDEPT OF ED 28 USC 1746 Unsworn declarationsunder penalty of perjury

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 2020-03-05
Company: American Financial Network Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We tried to buy a duplex in 2019, this mortgage lender promised us they can close the loan in 15 days and they had a loan we were already approved for. They charged us {$970.00} for the appraisal and continued to ask for more documents such as pay stubs, forms to be signed, etc. The loan was denied. The 15 days turned into months when finally we said that's it. We were promised a refund for the appraisal in XX/XX/2019. I checked with the broker on the status of the check in XX/XX/2019 which informed me it had already been mailed. I still have not received the refund and the lender will not return any of my calls or texts. I was speaking to a specific mortgage broker and he promised all of this. His name is XXXX XXXX MLS # XXXX ( XXXX ) XXXX and now works for XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Prince Parker & Associates
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Miss XXXX from Prince-Parker & Associates repeatedly called me over 10x per day. She also called my parents home, and work. Over a medical  bill that was less than {$300.00} dollars owed. She was sending correspondence to the incorrect address and demanded a current address. When I refused on the phone and asked her to stop calling, and calling relatives she became belligerent on the phone yelling and raising her voice. Again, this is for a bill in total less than {$300.00}. I asked to be transferred to someone else and I was able to pay the bill with someone calm on the line. She bullied me, raised her voice, and employed poor tactics and professionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: MAJR Financial Corp
State: PA
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/20 Majr Financial Corp.has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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/20 XXXX XXXX XXXX placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming 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 2016-04-23
Company: National Financial LLC
State: DE
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I TOOK THIS LOAN OUT AND I PUT MY MISPLACED DEBIT CARD ON AND CALLED AND PUT IT ON HOLD UNTIL I FOUND IT. THEY TOLD ME THAT ONCE I PLACE A CARD ON HOLD THE CARD WILL BE FROZEN AND SENT A NEW ONE. I EXPLAINED THAT TO THEM AND IT A XXXX CARD I REQUESTED A NEW CARD ASAP, THEY TOLD ME IT WILL COST XXXX DOLLARS. I EXPLAINED TO THE LOAN PLACE AND TELL THEM I AM WORKING ON IT THEY CALL ME EVERY DAY AT WORK EVEN THOUGH I ASKED THEM NOT TOO. THEY GOT ME IN TROUBLE ON NUMEROUS OCCASIONS.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I recently purchased a copy of my XXXX credit report and notice that CONVERGENT OUTSOURCING INC is reporting negative information without giving me the right to dispute. I had moved from the address but I had my mail put on hold until I recieved my approval letter for my deed in lieu, after I recieved my approval I changed my address to my new address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I was issued a Cashier Check for the amount {$1200.00} payable to XXXX XXXX from my credit union ( XXXX XXXX XXXX XXXX XXXX XXXX ) as part of a debt consolidation loan. The Check was mailed into my creditor ( XXXX XXXX XXXX XXXX ). The check never reach XXXX instead it was cashed by HSBC which do not service my credit card. My bank and I have repeatedly since XX/XX/2022 reached out to HSBC to return funds to my bank or myself but keep getting the run around. HSBC has acknowledge to my bank they have the funds but have not returned. My banh XXXX has tried to help recover the funds but are now saying it is nothing they can do further. I do not have any accounts with HSBC and am getting nowhere in getting my funds back. This has been going on for 9 months and as the consumer I am out of my money while both banks are mot fixing the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022 i received email for promotion give away for complimentary XXXX XXXX XXXX XXXX$800.00} value, if I closed on my purchase with them, I closed with this lender on XX/XX/2022, I have reached out to the client over dozen time via email for the status of my XXXX XXXX XXXX, with no luck in getting what was offered to me upon closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Main Street Personal Finance
State: MS
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a phone call from XXXX XXXX at XXXX XXXX on XXXX/XXXX/2016. The number is XXXX. XXXX XXXX. is XXXX. She stated she was not a debt collector but a litigation specialist from the check fraud unit. She stated that I had been charged on XXXX counts, check fraud, malicious fraud of a financial institution and theft by deception. The Docket # was XXXX XXXX. I told her this had been filed on Bankruptcy and she said it did not apply to Federal Monies. She said that they had contacted the prosecutors office and they wanted to officially file charges today. She then stated that the paperwork had already been sent to XXXX County and if they could not locate me within 24-48 hours they would suspend my license until an arrest had been made. She said she checked with the State attorney 's office and I would be issued a bond in the amount of {$4000.00}. She said she could try to assist me in not being arrested if that was what I wanted her to do. I told her sure. She placed me on hold as if to be contacting the States Attorney 's office. She came back to the phone and said unfortunately, I hate to be the bearer of bad news, but these are your options. I could send them a Certified Form - XXXX XXXX from XXXX The blue and white form in the amount of {$260.00}. She said the state attorney 's office agreed that if this was paid before XXXX. they would not charge the court cost, filing fees and other fees. But it had to be received by XXXX It was to be sent to XXXX XXXX the security receive code is XXXX, the Acct # is XXXX in the amount of {$260.00}. I told her I would send the money and call with the reference number. Once I hung up, I contacted my attorney and they told me it was a Scam, and they in turn called XXXX and they also called the Court. Once the money was not received by them at XXXX, I received a call from XXXX which is the Justice Court Number in XXXX County. I answered but nobody said anything. I called back and they said Justice Court and hung up. I called my lawyer back again and they then called XXXX at the Justice Court and they both instructed me not to send any money it was a Scam. XXXX was to contact the Sheriff 's Dept and I am to call also.

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 2022-03-14
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Called at XXXX am on Monday, XX/XX/14 telling me theyre calling for XXXX XXXX XXXX my mother, but they did not know ). She said she was calling from Gulf Coast Debt Collections and wanted to verify my DOB. They had the month and day, but not the year. I told them they had the wrong number. She hung up. 

I XXXX the number and discovered many complaints for the number stating similar stories and that its a scam. I wanted to report this since theyve called so many people. 

Thank you for your assistance. Ive blocked them on my cell and Ive alerted my senior mother to be on the watch for them and not give out any info.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Convergent Resources, Inc.
State: IL
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:
Inaccurate Report to credit Bureaus.

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 2017-03-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
not mine information XXXX account fraud note

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 2015-12-05
Company: Kriya Capital, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Have been called nearly 15 times by Credence Resource Management ( phone : XXXX ) with no attempt to leave a voicemail. I returned call and asked who they were, and they said they were not allowed to tell me without me giving me them my name and information first. I said that was not true and they were required to tell me if this was a chance to collect a debt or even simply what their business did before I gave them personal information. He kept saying " I will not. I will not. '' I said my stepfather works for a debt collection agency and I interned there so I know the rules and ethics. He said, " good for you, but I 'm not saying anything until you give me your name and address. '' Completely rude, unethical, illegal, and harassing as they have called nonstop without voicemail ( even a simple voicemail just disclosing a number and to call back )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: NV
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:
Do to the fact that on going complaint and in unauthorized inquirys 2 of them from XXXX XXXX dropping my XXXX over a 100 points disqualifying me for a mortgage/ I have retained a attorney with the facts ongoing CFPB has been dragging there feet and feel now in my best interest to come after both with law suit

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 2022-07-10
Company: EQUIFAX, 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:
I reported all XXXX major credit bureaus XXXX, Equifax, and XXXX that the collection from XXXX XXXX for XXXXXXXX XXXX XXXX has many inaccuracies. 
XXXX and Equifax reporting a high balance of {$1500.00}, and XXXX is reporting a high balance of {$1500.00} which is different from XXXX and Equifax. 
Balance owed XXXX and Equifax reporting {$1600.00}, and XXXX is reporting {$1600.00} however the Balance owed is higher than the high credit and amounts are different as well. 
Account number for XXXX and Equifax are different from XXXX. 
Date of last activity for XXXX is XX/XX/XXXX, Equifax is XX/XX/XXXX and XXXX date is XX/XX/XXXX all XXXX dates are different from each XXXX bureaus. 
XXXX is reporting on account status as open which is if its in collection account status can not be listed as open account. Equifax and XXXX account status is listed as closed again all XXXX bureaus reporting inaccurate information on my file credit. These inaccuracies are causing me emotional mental distress due to the fact I can not I apply for credit to make major purchases for myself without paying having to pay high interest due to these inaccuracies. 

XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX -- XXXX High Balance : {$1500.00} -- {$1500.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- XX/XX/XXXX Date Reported : XX/XX/XXXX -- XX/XX/XXXX Date Opened : XX/XX/XXXX -- XX/XX/XXXX Balance Owed : {$1600.00} -- {$1600.00} Closed Date : -- -- -- Account Rating : Derogatory -- Derogatory Account Description : Joint -- Joint Dispute Status : Account not disputed -- Account disputed Creditor Type : Collection Services -- Other Collection Agencies Account Status : Open -- Closed Payment Status : Collection/Chargeoff -- Collection/Chargeoff Creditor Remarks : Account informationdisputed by consumer, meets FCRArequirements -- Consumer disputes thisaccount informationSubject has not XXXX. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last Payment : -- -- -- Past Due Amount : {$0.00} -- {$0.00} Account Type : -- -- -- XXXX XXXX XXXX XXXX Account # : -- XXXX -- High Balance : -- {$1500.00} -- Last Verified : -- -- -- Date of Last Activity : -- XX/XX/XXXX -- Date Reported : -- XX/XX/XXXX -- Date Opened : -- XX/XX/XXXX -- Balance Owed : -- {$1600.00} -- Closed Date : -- -- -- Account Rating : -- Derogatory -- Account Description : -- Joint -- Dispute Status : -- Account not disputed -- Creditor Type : -- Other Collection Agencies -- Account Status : -- Closed -- Payment Status : -- Collection/Chargeoff -- Creditor Remarks : -- Customer disputedaccount - reported bysubscriber. 
-- Original Creditor : -- XXXX XXXX -- Last Payment : -- -- -- Past Due Amount : -- {$0.00} -- Account Type : -- -- --

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Experian Information Solutions 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:
Experian has not resolved any of the Identity theft that is still occuring on my credit report, I have contacted Experian Numerous times, and have sent in my Identity Theft Affidavit which is signed under Perjury. I do not have an Account with XXXX XXXX, They have already advised me the address they mailed the card to was XXXX XXXX XXXX, XXXX TX XXXX. Which is not my address, has never been my address. I have not lived there. I never received the card for this account, These accounts both for XXXX XXXX are identity Fraud. These were opened from a thief and used by a thief, I did not authorize these accounts to be opened, and I did not authorize the company to change the account number and resubmit it either. I am not liable for fraudulent debt, I am a victim of Identity Theft and these two accounts were opened from a thief and Experian refuses to investigate, Siding with XXXX because that's their Vendor. One was opened XX/XX/XXXX, and one was opened in XX/XX/XXXX. I received no calls to clear the Extended Fraud Alert on my credit file which specifically states I must be called. I did not authorize these accounts to be opened, and I do not do business with these merchants. Additionally, Experian is allowing a fraudulent inquiry on XX/XX/XXXX for a XXXX XXXX, Which I did not authorize this inquiry is also fraudulent. Again Experian doesn't allow me to call in. I have advised them via mail, and upload numerous times about the theft, and they refuse to investigate. 

Lastly Experian has a name on my profile under XXXX XXXX XXXX, That isn't my name and they won't allow me to dispute that either. 
Also the XXXX XXXX Credit card was stolen, and used for fraudulent transactions which is why the balance is showing as {$27000.00} this is not accurate. 
This is Identity Fraud, and These Two Accounts should be blocked, as I have stated the truth and swore it under perjury.

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 2016-02-06
Company: RGS Financial, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A collection was placed on my credit report XX/XX/XXXX with a date of XXXX XXXX. I called on XXXX XXXX and sent a certified letter on the same day. The customer service rep said this debt was from XXXX XXXX but could not verify my address was the same. There were 3 different times this debt was put on my credit report and one after I disputed the debt. I asked that this be reported as disputed until RGS could provide more details to the debt and the customer service rep said she would need to contact the original creditor. This was not done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in according to fair credit reporting act XXXX, account # XXXX has violated my right 15 U.S.C 1681 section 602 A state have a 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 2022-07-10
Company: Choice Recovery, 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 advised that this account that is reporting on my credit profile through XXXX as of XX/XX/2017 from an unknown collection company by the name of Choice Recovery for the amount of {$600.00} do not belong to me and is reporting inaccurate incorrect information on my credit profile this medical bill showing up on my credit profile is not mine. I do not go and have not been to any hospital 's or doctors ' in Over 20 years. I only use natural remedies only I do not believe in XXXX XXXX or prescriptions. XXXX is breaking the law along with Choice Recovery with report inaccurate incorrect information. Per 15 U.S. code section section 1681b ( g ) ( 3 ) prohibits such information from these collection companies and credit report agency from breaking the law with their alleged investigation 's.

Company response to consumer: Closed with explanation