BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-18
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received notification from credit karma that an account in my name was in collections. I have no idea what this account is. It says {$150.00} is in collections by TRANSWORLD SYSTEMS INC, with an originator called XXXX XXXX XXXX for disaster relief from XX/XX/2021. I have been working in California as a XXXX and have no idea what this is. My credit score is wrecked.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
To whom it may kindly concern : I have a credit card account through Bank of America. This past cycle, my bill payment was 10 days late ( due XXXX, XXXX, 2015 ). I had a health emergency and ended up in the hospital. I can send you documentation to support this claim if you wish. 

I do not dispute the fact that my payment was late, however, the reason was beyond my control. My account is now current. 

The issue I have is, I received an letter that my APR will be raised to a " Penalty APR '' at XXXX percent because of this XXXX late payment! With this exception, I have never had a late payment with this account, whatsoever, or any others in my credit history. The hospitalization was completely outside of my control. I made the payment as soon as I was physically able. 

I would also like to add, I attempted to pay my bill online a few days early, but Bank of America 's website was down for " scheduled maintenance. '' The next day, I went to the hospital, so this is at least partially their fault. 
Any help or advice you could provide with this matter would be greatly appreciated. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: JPMORGAN CHASE & CO.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Appeal appeal appeal Chase manhatten bank REFUSAL Since chase manhatten continues to refuse to send me MY Legally entitled to documents in my names # 1 non authorized lines of creditXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Signed off by the Vice President chase manhatten XXXX XXXX California XXXX XXXX as recorded and attached at city of XXXX  XXXX va Deputy XXXX XXXX. 
ALL GRANTED AS SOLELY IN MY NAME XXXX XXXX BY XXXX XXXX XXXX UNAUTHORIZED TRANSACTIONS # XXXX XXXX RECORDED MERS LOAN against my sole residence XXXX XXXX XXXX XXXX va. A CD certificate # to XXXX XXXX  XXXX  XXXX va showing 100 % ownership. 
WHERE ARE THE DOCUMENTS FOR THIS CERTIFICATE ATTACHED TO THIS CFPB APPEAL # 3unauthorized MERS # XXXX CHASE MANHATTEN LOAN IN MY NAME XXXX XXXX XXXX Not authorized by me # 4 I was sole qualified owner and I paid XXXX XXXX dollars for down payment of a LOAN THAT CAN NOT BE FOUND .As per deed attached from city of XXXX Virginia in the name XXXX XXXX XXXX XXXX  XXXX . 
ET AL entity unauthorized. 
# 4 CHASE ACCOUNT OF XXXX AND XXXX ( attached on 1 XXXX  credit report that has numerous fraud activity on and still is not corrected but I am working on that ) THAT WILL PROBABLY SHOW WHERE my XXXX XXXX dollar proceed check of XX/XX/XXXX from my sole residence XXXX XXXX XXXX XXXX  XXXX va As per XXXX XXXX and XXXX XXXX review of all my documents trying to locate my accounts in bank of XXXX XXXX va.their findings found that my monies must have been transferred to a Chase Bank ALONG WITH MY LIFE SAVINGS XXXX XXXX DOLLARS AND THE CERTIFICATE MONIES AND XXXX XXXX DOLLARS FROM THE SALE OF THE RECORDED MERS LOAN OR THE MISSING LOAN. 
CHASE BANK I NEED ONE OF YOUR FINANCIAL CRIMES DETECTIVE INVESTIGATORS of your fraud department TO INVESTIGATE THESE transactions that took place in my names and issue me copies of these transactions. Your executive representatives that chase has been referring me to do not possess the skills as a fraud specialist of your organization would to locate these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted all 3 Credit Bureaus XXXX, Experian and XXXX several times regarding XXXX accounts that were opened with XXXX as a result of Identity Theft. After several disputes and even filing complaints with the CFPB in which they were again provided with copies of the police reports all 3 bureaus removed the accounts responding that the ID Theft was founded and the accounts had been removed. Now 2 weeks ago I recieve notice the bureaus with out cause relisted the previously deleted accounts. The notation was added " The Creditor is unable to reach you in regards to the ID Theft '' the creditor has reached me numerous times and has been provided all of the information. Relisting the following accounts is a violation of FCRA. The following accounts must be removed from my credit reports immediately or I will be forced to retain legal counsel and seek Judicial and financial recourse. 

XXXX XXXX {$0.00} {$250.00} {$5400.00} XXXX REPOSSESSION {$510.00} XXXX XXXX {$4000.00} {$46.00} {$4600.00} XXXX CHARGE-OFF {$1500.00} XXXX XXXX {$3000.00} {$3600.00} {$3600.00} XXXX CHARGE-OFF {$3600.00}

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 2017-04-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made multiple complaints with Experian for verifying my accounts with  XXXX   XXXX . There are  XXXX  accounts that are currently being reported past the seven year period of the original date of delinquency. I have made several attempts and most recently speaking with a representative on  XX/XX/2017    by the name of  XXXX  and she spoke with her supervisor by the name of  XXXX . What I was explained by both individuals the date of delinquency starts over when the account is made current. I even explained per the companies website this is n't correct.

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 2017-08-15
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan : XXXX Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX To whom it may concern. This is a qualified written request to Chase Mortgage. I have been attempting to work with Chase since XX/XX/XXXX to get assistance in regards to my loan : XXXX Background : This was originally an interest only loan originated through XXXX in XXXX. On XXXX, the loan went adjustable with both principle and interest payments. This rate will adjust every XXXX going forward until the loan is paid off. I have attempted to contact Chase to refinance the loan. However, I was advised as 1 ) I am underwater and 2 ) it is not my primary, they do not have options. There is a second mortgage on this property that is serviced by XXXX. In addition, this is a rental property that the tenants have been paying me on average {$120.00} to {$220.00} less than the expected rent each month and this is an additional hardship. I had missed a mortgage payment on this loan in XX/XX/XXXX and Chase provided me an assistance package. As this adjustment will be a hardship going forward due to the uncertainty of what rates will be, and the delinquent tenants, I requested assistance options. I advised Chase that this can be either liquidation or retention options. On XX/XX/XXXX, I faxed 55 pages that were delivered to Chase Mortgage. I had been assigned numerous different Relationship Managers ; however, the one that is assigned to me now and has their name on the letters I receive is XXXX XXXX. The Broker Price Opinion inspection was completed on XX/XX/XXXX. I have been attempting to connect with XXXX XXXX unsuccessfully since XX/XX/XXXX. I have left voicemails and sent faxes ( attached with confirmation ) requesting status update, on the dates of XX/XX/XXXX, XX/XX/XXXX ( voicemail only ), XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. He does not respond and if he is attempting, does not leave voicemails. On XX/XX/XXXX, I received a letter from XXXX XXXX advising additional information was needed to complete my review. I attempted to contact him, and as he was unavailable, I was able to speak to his co-worker XXXX XXXX on XX/XX/XXXXand provide the needed information. On XX/XX/XXXX, I spoke to another of XXXX coworker named XXXX who stated that the review was with the underwriter and that no additional information is needed. I sent a follow up fax on XX/XX/XXXX, stating that this is a qualified written request. I have not received any response via telephone or notification to that last outreach. Request to CFPB : Please assist in resolving this qualified written request for mortgage assistance with liquidation or retention options in a faster manner with requested updates being provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: SCA Collections, Inc.
State: NC
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 sent a debt validation letter to the company and the only thing that was sent to me was a bill not something actually validating the debt is mine.

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 2021-09-19
Company: EQUIFAX, INC.
State: LA
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:
I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX  and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Sentry Recovery and Collections, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received copies of a writ of garnishment from my employer. A few years ago I received a letter stating I owed a debt from a company I had never heard of to my current address in XXXX  and nothing else since until these copies, which came from my employer and the address for me on the court case is my old one in XXXX. The court case has already been held with out me having any knowledge of it. The debt is now at XXXX where the original debt was XXXX. I believe sentry recovery and collections intentionally used my old address to get a default in court.

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 2015-06-10
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft. I do not owe a debt to American Accounts Advisors. I have repeatedly received phone calls from debt collectors from American Accounts Advisors who has harassed, verbally abused and threaten me with arrest and wage garnishment. American Accounts Advisors in violation of the Minnesota Debt Collection Laws and Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: SYNCHRONY FINANCIAL
State: FL
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 my account on XXXX/XXXX/XXXX. I received my first statement via USPS. The company issued an incentive for me to sign up for online statements only. I requested online statements. However, I could not access my statements online. I received notification that my statements were available on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX and XXXX/XXXX/XXXX. However, when attempting to access the statement online, I received a message that the statements were not available and to review information in the Account Transactions section of their website. On XXXX/XXXX/XXXX, the due date of the payment, I made a payment that posted to my account and was listed on their customer portal. On XXXX/XXXX/XXXX they charged me a {$25.00} late fee. 

I, fortunately, usually pay my bills before they are due. However, I know many that do not, and, wait until the last minute. I contacted customer service on XXXX/XXXX/XXXX at XXXX am. They first attempted to state that my payment was set up for XXXX/XXXX/XXXX. Which, I promptly copied the confirmation for my XXXX/XXXX/XXXX payment for settlement on XXXX/XXXX/XXXX to them. Then they said that it was a system error and that it would correct itself when the payment posted to my account. 

My complaint is that this may be a systemic issue to improperly assess and collect late fees. It seems like I receive erratic statement notifications, I constantly have to keep on top of when I spend money to check the site when payment may be due, and payments made and posted on time are not reflected properly by the creditor. 

I did a quick XXXX search and this is not only happening to me. I see several others discussing these same issues, but to a much greater extent.

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 2020-01-19
Company: Experian Information Solutions Inc.
State: CA
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 complaint is simple. I have a credit card account that is closed due to a hardship and we settled on a 60 month payment plan. However, Experian is still showing I have a credit limit even though the account is closed and thereby causing my credit report to show I am using 100 % of my credit which is false. On XXXX it is correct. XXXX is showing the true credit utilization rate but Experian is not. So when try to apply for financial services of any kind I am unable to get approved. This is causing me additional hardship due to not being able to come out ahead in my financial situation. I already filed a dispute but was not successful. I talked to an Experian representative but no luck. Sent a second dispute but no luck. Called credit card company but nothing they can do because it is already closed. So I need help with showing my true and correct credit utilization rate.

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 2016-05-14
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a mark on my credit score from XXXX different companies ( HARRIS & HARRIS, LTD, and XXXX ) about the same debt. My credit score says that the debt was reported by XXXX XXXX but when I tried to contact all of the possible medical practices that I have been to in the past 2 years, none of them had any record of me owing a debt. I can not find any legitimate information about the XXXX different debt collection agencies to be able to email them and contact them myself. I would just like to pay any debt that I potentially have, or get the mark removed from my credit score if it is a mistake/scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am XXXX XXXX I am not a third party. I sent the Credit Buearu 's a dispute letter regarding my personal information being exposed and someone attempting to use my credit. I see inquires that I did not authorized on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Risecredit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Hello, On XXXX/XXXX/XXXX, I requested a free quote from Rise for a personal loan thru their website. I provided my information but did not know a hard credit check would be needed in order to obtain a free quote. I was notified by XXXX that Rise had requested my credit report. I called into Rise Customer Service and informed them I did not know that I would recieve a hard check on my credit report since a soft check is normally the process for a quote. I then emailed Rise Customer Support and informed them to disreagrd my pending application and to remove the inquiry on my credit report since I did not approve this request. I have not heard from them. 

Please advise Rise to remove this hard check from my credit report and remove this pending application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was incorrectly charged a {$5.00} " XXXX XXXX '' on my business checking account for a " printed statement '' that I didn't ask for. Apparently, the bank defaults all accounts to these paper statements and charges customers $ XXXX for the printing fees, which is straight-up fraud. There were no clear disclosures about this practice anywhere in the account set up process. I wasn't using this account and definitely didn't need a statement printed and I certainly would never have paid {$5.00} for it either. I already tried to resolve this with the bank directly and they refused to refund the money they stole from me. This is not ok. I need reparations!

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 2016-03-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed an insurance claim. My insurance company promptly issued me a check and included my mortgage company. I got estimates, had the work completed, got an inspection that it was done. My mortgage company. Pennymac, is not releasing the funds to pay off the contractor. My mortgage company keeps sending me random forms that I already completed to be notarized and each time I call they give me a different excuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: OH
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:
I've Sent Letters Made Phones calls to XXXX XXXX and Equifax about some troubling items I found in my credit report I've begged for theses items to be removed immediately from my credit report. because it is affecting my creditworthiness and I feel like this is very unlawful and unconstitutional. listed below are the negative items affecting me. I've also included the letters i've sent to XXXX XXXX Equifax that i know they received along with the ftc report their requested my proof of id and bill address are in the letters why are theses items being reported without my consent and knowledge. the companies job is to report fair and accurate imformation to my report and theses items are not. 

Account name : 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Experian Information Solutions Inc.
State: IN
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:
SUBJECT : Case # XXXX ... NO RESPONSE!!! ... Fw : XXXX, hmm, it's been a couple of months... 

OTHER THAN " AUTOMATED EMAILS '' ... I AM GETTING ABSOLUTELY NO RESPONSE FROM EXPERIAN ON THIS MATTER!!! 

NOW, THEY ARE THREATENING TO CLOSE MY ACCOUNT ... OVER THIS SAME MATTER!!! 


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 2021-09-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation