BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2017-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reported to   XXXX   an error on my report that knew nothing about. The dispute confirmation number provided to me was  XXXX . I requested that  XXXX  to provide me with the original application so I can verify that I am associated with this balance amount. I never received anything that I requested but received a report that the account has been verified. I ca n't get  XXXX  to provide me what they used to verify that this account was mine. It 's my position that this account does not belong to me and since  XXXX  has not provided me with validation - original application for product/services with my SSN or signature, this collection placed on my record should 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 2016-09-06
Company: Platinum Holdings Group, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a call from a man stating he was with XXXX about a month ago, stated I had received a payday loan from them in 2013 and that I only made XXXX payments. I do not know anything about this and told this man so, I also informed him that I was a victim of identity theft in 2013. I was contacted on a phone number that was not in use in 2013 and have no clue how he obtained my current phone number. He proceeded to name things on my credit report, my address and such, I was totally freaked out and hung up. Not too long later, I started getting calls on my work number from XXXX XXXX, also a number that was not even in conception in my life in 2013, different employer, do not know how they obtained this information. I called back once, told the guy the same thing I told the original guy, notified him this debt was not mine and if they felt they need to proceed with legal action that I welcomed it. Received voicemails from a XXXX XXXX requesting me to contact her with my availability and basically an appointment to be served, who seriously does that, are thugs going to show up at my door instead? Also this morning, they called and left a mail on my daughters phone stating that I refused to sign for being served for legal action. I do n't know how they got my daughters phone but that is extremely inappropriate. I found this company is XXXX XXXX and not even licensed. They need to be stopped!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Our checking account was emptied via XXXX fraudulent wire transfers on XXXX XXXX, XXXX. We have not yet received our money back from Chase Bank who is telling us that they have 30 business days to investigate and decide whether to return our funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
At approximately XXXX on XXXX XXXX I went to my local Wells Fargo branch in XXXX TX ( located at XXXX XXXX and XXXX ) to obtain a XXXX Signature for an asset transfer form. This was the third time over a several week period that I had visited this branch for service but had been told no one was available. As such, I decided to close out my checking account. I demanded that I receive cash from the account but I was told they do not keep cash on hand to fulfill such requests. When I demanded it again I was told by the clerk that " that 's enough money to get XXXX over ''. They refused to fulfill my demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XX/XX/2016, a deposit of {$940.00} from my XXXX pension and {$110.00} from my XXXX XXXX XXXX pension was deposited into my Chase Bank personal checking account. I stopped at a Chase atm at XXXX XXXX XXXX in XXXX, NY to withdraw {$600.00} however the atm was faulty and never distributed the funds. I stood in front of that same atm until the branch opened at XXXX and the Chase representative immediately shut down that very same atm machine. He then called the home office and was advised that the account would be rectified within six ( 6 ) hours. I trusted their word and on XXXX/XXXX/2016, I checked my account via mobile banking only to learn that the funds had still not been credited back to my account as promised. Consequently, I returned back to the same branch on XXXX/XXXX/2016 and the same representative that assisted me on the initial incident date, assisted me again and made a subsequent call to the home office. At this time, my account was credited the {$600.00} ( as a pending transaction ) and the home office representative advised that Chase was having problems with postings credits/debits to accounts and that I would have to wait until XXXX/XXXX/2016 for them to reconcile their books in order for them to make the necessary adjustments to my account. On XXXX/XXXX/2016, my social security benefits {$1600.00} was deposited into my account and on XXXX/XXXX/2016, the pending {$600.00} transaction was deducted again. Once again, I returned back to the same atm branch and a different chase representative called the home office again ( 3rd time ) and I was informed that they would credit another pending {$600.00} until XXXX/XXXX/2016 and if Chase had not reconciled my account by then, the same pending {$600.00} would again be deducted. To present date, I am still fighting to rectify my account since XXXX/XXXX/2016 when I NEVER received the initial {$600.00} withdrawal from the atm and I have incurred numerous overdraft fees as a result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We applied to refinance our current home loan XX/XX/XXXX. We were pre-approved and given an interest rate of 2.875 %. However, we later learned that our mortgage is classified as a Home Equity loan, so the rate will be higher ( 3.625 % ). We have never applied for a home equity loan, so we requested a copy of the original note, via telephone conversation with the bank rep on XXXX/XXXX/16. The rep was unable to locate the paperwork, so a request to locate a copy of the loan was put in. Estimated time to locate the documents was 3 days. After not receiving the documents, I called again on XXXX/XXXX/16 and was told a hard copy was mailed to me on XXXX/XXXX/16. On XXXX/XXXX/16 I called again because I had not received anything. I was told the original owner of the notes to locate the loan papers would call me directly. On XXXX/XXXX/16, no response, so I called back and was told a letter indicating documents could not be found was sent on XXXX/XXXX/16 and further research was being done. We received 3 letters from CHASE indicating the loan papers could not be located. On XXXX XXXX, 2016, we sent a certified RESPA letter to CHASE. Our request was " escalated ''. We received several phone calls from the bank 's rep, each time indicating that the " home equity '' loan papers could not be located. Phone call : XXXX/XXXX/16 -- issue still being researched. Phone call : XXXX/XXXX/16 -- 'still in review by legal partners, no update at this time '. Phone call : XXXX/XXXX/2016 -- 'Upper management and the legal department working to find a resolution '. Phone call : XXXX/XXXX/16 -- According to bank records, our loan is 'classified as a home equity loan, but put in XXXX mortgage position '. ( Please note that CHASE recognizes that the loan was incorrectly coded ). They are unable to locate the original note. As a resolution, they will send a Lost Note Affidavit with the same information as the actual original note and send us a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: MI
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:
The credit bureaus failed to respond to my request to validate the negative information that they are illegally reporting to my credit report. I disputed the accounts and asked for them to be removed as they are in direct violation of 15 USC 1681s2 ( 7 ) ( E ) says that nothing under the FCRA requires a financial institution to furnish negative information. these violations are a directly affecting my ability to gain housing and employment. I am demanding that the following accounts. The following dates showing XX/XX/2017 by XXXX XXXX during this period I was incarcerated and disputed this as identity theft. 
XXXX XXXX is howling incorrect information. And the State of Michigan Child Support has never proven the DNA of the children and should not be reporting to my credit.

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 2016-10-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
18 month no interest to purchase a bed statement said minimum of {$60.00} plus change Ipaid {$70.00} per month. I just paid the {$70.00} every month expecting to pay off the loan a little quicker. paid attention to XXXX bill and it had charged me interest tnen i saw my debt back over {$1000.00} I called they said my months were up and i still owed $ $ $ i hadnt paid so all of the interest was now charged

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 2016-08-26
Company: Stuart-Lippman and Associates, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a collection letter from Stuart-Lippman & Associations claiming they are attempting to collect a debt of {>= $1,000,000} from claimant " XXXX/XXXX/2016. '' The date of loss is " {$1800.00}. '' Despite these strange discrepancies, my name and address are correct. I called the XXXX number on the letterhead and after providing my reference number, I was sent to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: JPMORGAN CHASE & CO.
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A protective order, a divorce, a complaint with the XXXX fraud unit on XX/XX/XXXX internal invest. On my complaint processed, I was offered an assumable loan, I was in the process of going through my credit union, not legal represented, false filings with court, no signatures or knowledge of PERMISSION from myself, not even served papers, no affidavits by me as joint owner, approved by XXXX XX/XX/XXXX, I took my home 3 x off of sheriff 's sale block in 6 months, paid XXXX mort, payments, bank rep told me no modification even under a protection order and a pending divorce, they only look at numbers, but quit claim deed would be the only way. I was put in a false modification XXXX XXXX by bank representative and my ex without My signature, knowledge or permission, income and other pertinent info., Just a handwritten XXXX letter dated XX/XX/XXXX, from my ex to the bank representative. I was discriminated as I am XXXX, XXXX XXXX since, XX/XX/XXXX and marital status, XXXX, all parties guilty had info on the foreclosure but myself, was not given the right to obtain legal counsel, breach if confidentiality as all my personal info was released with my social security. Etc., all personal information was sealed with the courts XX/XX/XXXX. My income is well above the qualification level. XXXX escalations unit did not contact me or provide a conclusion to my mortgage fraud complaint. I was penalized for??? Criminal charges are my recommendations.. I lost XXXX in equity. I also am an identity theft victim XX/XX/XXXX, identified by the FBI ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
Dear CFPB Staff, I have citibank Credit Card for more than several years with credit limit of {$7000.00}. Last XXXX 2016, I made a minimum payment as {$180.00}, then on XXXX, XXXX 2016, I made another payment of entire balance of {$6800.00}. That will pay off the balance, then I closed my account. On XXXX, XXXX 2016 I called in to talk with Citibank representative to make sure my account pay off and close. However Citibank staff told me I needed to pay the last interest charge of {$24.00}. I then paid anther payment of {$24.00}. 
As single Mom with XXXX kids, I worked hard to take care a lot of thing, surprisingly I got the email from Citibank again and asked me to pay another {$31.00} dollars. They told me because I still owed them {$0.00} ( XXXX cents ) and I did not pay them therefore I charged me for late charge and other thing. I then decided to pay them {$31.00} on XXXX, XXXX 2016. I did call in to dispute but everything talking to them it took me more than 45 minutes, I then decided to pay them {$31.00}, but this month XXXX they billed me another {$31.00} they told me because they charged me late fee again ... I have no clue why this big Bank abused the law and overcharge and rob the poor us citizen like me. 
It is not big money but it is a against the law and why the big bank continues to cheat and steal the money from poor Citizens. I am please to ask your help to investigate this illegal overcharge the consumers and steal money from people. Since the account has been closed, I do not have a full credit card numbers. I Only have the last four digits of the card. Therefore, I provide you my ss # XXXX XXXX. This is not big money but it is against the laws and it needs to be stopped sooner rather than later otherwise Citi bank will continue to abuse the laws and use illegal business practice to steal and cheat consumers. 
This is my credit card information Citi Forward-XXXX. 
My name : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: DC
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-03-02
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The bankruptcy reporting has several inaccuracies. Reference Number XXXX. I do not know the source of their information on this bankruptcy and because of the Equifax has violated the Fair Credit reporting Act. I am requesting the removal of the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I began the process of refinancing my home in XXXX. This was my second refinance with Chase so I was relatively familiar with the process. At the time I placed what was supposed to be a refundable XXXX XXXX dollar deposit to secure my rate. 

Contact with my broker has been limited, he often takes a week or two to get back to me. After what was much longer than the initial time-frame indicated, he had an offer that was much different from what it began as. The lenders were apparently heavily scrutinizing my income source and were refusing to recognize the value in shares I own in the company as equity. It being a company started in 1996, with XXXX locations in XXXX states and over XXXX employees, to which I have been able to prove I own over XXXX percent. Both my attorney and accountant have supplied everything the lender requested to substantiate my ownership, but they said it not being a publicly traded company, my shares were not even worth the XXXX XXXX dollars I needed to prove I owned. The XXXX XXXX dollars of annual gross revenue did n't matter to them, nor did the XXXX XXXX dollars in assets which our tax returns correlate. 

At this point I indicated that the only cause for scrutiny was the fact that our business was not mainstream, ( we are a chain of XXXX ) that they were unfairly discriminating against me, and I wanted management involved at this point. I also requested a letter with all of the specific reasons for delay and any adjustments to the offer also being explained and itemized. That was almost two months ago and I have n't received anything other than an initial response that they 'd get right on it. 

I know I 'm being discriminated against, that my company is being unfairly judged despite sufficient documentation, and that Chase is trying to sweep me under the rug. I also know that I have rights in this situation and am looking for assistance defending those rights. If there 's any help your offices could lend me or direction you could steer me, I 'd be deeply appreciative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-21
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am an XXXX-year-old man who went to XXXX XXXX in XXXX, California to buy a used car. The salesman told me I did n't have good enough credit to buy a used car and said that I could get a loan for a new car. He arranged a loan with Westlake Finance for a loan with 22.19 % interest for the cost of the car plus a {$2500.00} extended warranty. My grandmother helped me realize what I would actually be paying for this car and took me to her credit union who bought out the loan and is charging me 2.44 % interest. On XXXX XXXX, 2016, I cancelled the extended warranty. XXXX XXXX told me the {$2500.00} would be sent to Westlake Finance within 60 days who would then forward the money to my credit union. After many visits to XXXX and phone calls to Westlake, I now have a copy of a cancelled check in the amount of {$2400.00} sent to Westlake by XXXX and endorsed and cashed by Westlake on XXXX XXXX, 2016. They deny all knowledge of it. XXXX says they have done their part and have washed their hands of the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-23
Company: LendKey Technologies, Inc.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been paying my private student loan since 2011 at about {$600.00} a month. My private student loan is still the same amount, since I left college ( {$120000.00} ) because I have only been paying the interest down. My loan payment is soon going to increase to over {$1000.00} a month and I can not afford that option. I am also interested at going back to school so I can make more money to pay this student loan down, however I do not have the option to put the loan on deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Hello, I have been with Chase bank for approximately 45 years. Chase bank has charged overdraft fees which the deposits in my account ( ... ... XXXX ) was held/pending. There was a recording that noted deposits may be held 1 business day due to the XXXX Holiday. Upon calling over the weekend, I was told my account will not be charged, this is a recording line. Documentation notes that Chase received {$300.00} ACH deposit on XXXX XXXX, but they noted it on XXXX XXXX, XXXX so I can be charged {$34.00}. It was also done again with {$1400.00} ACH deposit and charged another fee of {$34.00}. Somehow they are finding a way to obtain funds from consumers but credits should be before debits. The ACH department comes in late and leave early.

Company response to consumer: Closed with monetary relief