BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Issue: Billing statement

Complaint:
I got a credit card from TD Banknorth in XXXX 2015 with a {$7500.00} credit margin. I gave them my Florida adress as well as my northern adress because I live in Florida only 4 months per year. I used the card without problem until the spring of this year. An amount of {$250.00} was put on my card and the account sent to my Florida adress. The Bank says the the US Postal Service returned all statements sent to my Florida adress even though I had advised the US Postal service to forward my mail at my XXXX adress. 

I did in fact received at my XXXX adress all the mail sent to my Florida adress excep of course the statements coming from TD Bank. 
TD Bank had my XXXX adress in their file but they decided to ignore it. They had also phone numbers that they could use to reach me but did n't care to use them. 
Instead, they notified the credit agencies that I was delinquent, that my credit card was suspended and that they had written off the loan. 
I learned of all this from another Bank and after having paid off the amount owed to TD Bank I asked them to notify the credit agencies so that my record be clean but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-13
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to SourceRM. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was validated wrong by SourceRM. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of SourceRM and XXXX XXXX XXXX. Because neither collection company is abiding my Texas FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Monarch Recovery Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hi, on or about XX/XX/XXXX I got a solicitation to open a XXXX XXXX credit card issued by Chase, and got approved, shortly there after Chase begun harassing and disturbing the ability to use it. Although have communicated in good faith, there is not good faith on their part, and several calls were either disconnected or the put in hold indefinitely, calls for supervisors or managers were not returned. 

Have filed the following, Sent XX/XX/XXXX XXXX XXXX  To Chase Card Services Subject Account inquiry ACCOUNT NUMBER : XXXX CATEGORY TYPE : Account inquiry ATTACHMENTSIZE:0 I tried using the credit card in two different stores and was declined, then online at the electric utility and was declined again, can you explain? Tnx XXXX begins, ends XXXX Thereafter they resolved some of their issues till XX/XX/XXXX, were they blocked with no reason, attempts to reach them were met by a angry customer service agent in XXXX who asks to much personal information irrelevant to the matter. She refused to identify herself but said to record, asked for a full social security, there is no need, its enough the last four digits, asked for checking account account information, its really irrelevant, finally the same agent has called from a toll free number and from a XXXX country i believe XXXX, ironically the same agent-voice needs a gift card or XXXX  card to unblock the account, clearly Chase 's employees in XXXX or elsewhere conspired with their friends to defraud. 

The following communication was not replied by Chase of yet neither. 

The account was blocked as of yet for any transaction. 

ACCOUNT NUMBER : XXXX CATEGORY TYPE : Account inquiry ATTACHMENTSIZE:0 I made a charge today and was declined, chase did not send a message or email to inquiry. 

Later I got a call from XXXX, a female with non US accent saying she is with Chase to discuss a denied charge. She had children voices and dogs in the background, I asked her for her id and why she had the voices and sound, she said that I can call number in back of the card, I asked to speak to someone in the USA who can identify as a Chase employee as well, and she hanged up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am writing a letter of complaint regarding XXXX and Enhanced Recovery Collections Agency. I did have XXXX service 8 years ago but cancelled it 2 years later because I didn't utilize the TV service. I had no recollection of owing any money to XXXX because I always paid my bills. I had not received any notices or phone calls since I cancelled the service over 5 years ago. Fast forward 5 years, In mid XXXX, 2019, the lender alerted me to a collections notice that appeared suddenly on my credit report. It was from Enhanced Recovery Collections for the amount of {$380.00} for a debt from XXXX. It sank my credit score! I called XXXX immediately. They couldn't retrieve any information because it had been so long since I cancelled their service. I called on two separate occassions and on both calls was told to wait a week for a call back from their administration. I never did receive a call back. Meanwhile, my credit score has been held ransom from an unscrupulous collection agency and I am unable to refinance my mortgage. This is criminal to hijack someone's personal identity and ruin their financial credibility! It is about the principle of the matter and I refuse to pay a debt that I do not owe. I wonder how many other people have been victims of this type of wrongdoing?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have started disputing inquiries with TransUnion since XX/XX/2021. These inquiries are not valid because they are for business credit which I did not authorize to have placed on my personal credit report! I wasn't even told it would be. When I sent in my disputes in XXXX, I never got an answer from TransUnion so I sent another dispute on XX/XX/XXXX. When they didnt respond AGAIN, I sent another letter on XX/XX/XXXX and this one was sent through certified mail, which they received and I have included that delivery confirmation.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: EOS Holdings, 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 sent a challenge letter XX/XX/2019 to XXXX  about an incorrect account on my credit report. I ask XXXX   to investigate the account serval times only to get back that the account is verified or accurate. There's no way the account is accurate or verified. I never received a proper investigation from XXXX. The service address for this account is a place I've never lived or authorized service too. This account is not mines! 

I mailed at least 3-4 times about this matter and I called yesterday and was told there's nothing they can do if the data furnisher deems it accurate? I've never received any proof or letter proving this account as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Ocwen Financial Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Originally I had asked them to remove the charge off wording on my credit report and they say they ca n't but what I do n't understand is why they submitted the same charge-off again on my credit report when I paid them off now they have it being charged off again on  XXXX   XXXX ,  XXXX  originally they charged it off on  XXXX   XXXX ,  XXXX . I do n't understand why they submitted it again preventing me not to be able to get a refinance of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage payments are made directly to my Mortgage company from my Credit Union account on a monthly basis. My original loan was with Chase and then was sold to XXXX XXXX Services. When it was sold to Chase XX/XX/2013 there were two payments that were never posted for XX/XX/2013 and XX/XX/2013. They were just forwarded over to XXXX and I have been charged with two late payments ever since that time going forward. I have contacted XXXX and Chase both to have them do an audit of my account and they both said nothing came out of it to change my account to bring it up to date to clear the two late payments. I have also filed a dispute on several occasions with the credit bureaus with no changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 30 days past due as of XXXX 2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: HI
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:
This is my 6th attempt that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/2018 XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/2018 XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I am on XXXX and receive benefits through a prepaid visa card managed by Bank of America. I attempted to use my card and was unable to do so. I called the bank and was informed that there appeared to be fraudulent activity and that my account it had been frozen. Myself and the agent canceled my card, ordered and ordered a new one. I went to withdraw money once I received my new card, however I was unable to do so. I called the bank again and was informed my account was empty, after reviewing the transactions with the agent, I filed a claim with the bank, claim number XXXX, the claim has been denied twice. When attempting to obtain information on why, I am not given any information on what needs to be submitted to process the claim. The bank appears to be purposefully uninformative, I have asked many pointed questions and have been told that information would be mailed to me. The information I have received is a printout of my bank statement stating this is what they used to make their determination, with no explanation. I filed a police report a fraud report sent an affidavit stating that I did not make the transactions, and I am still being denied with no explanation except a printout of the transaction ..... This has caused so much stress to my family and the bank is not attempting to assist in any way and this is the bank XXXX requires me to be paid through, and they have allowed someone to take XXXX XXXX with no consequences to be experienced except by the victim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/22, I contacted to Capital One to request a waiver of my annual fee. I have been a loyal customer closed to 15 years and asked that they be proactive and change my card profile after company waived the annual fee for the last 10 years. This year, they refused to remove the fee and also had no alternative products to offer as an upgrade for a person with excellent credit ( XXXX XXXX XXXX ) .After talking to two agents and being hung up during the call, I talked to an agent that processed ref # XXXX formal complaint. I received no response after they stated they would contact me within seven days on outcome. 

I called back on XX/XX/22 to ask about my complaint and no-one could find the reference inquiry. I talked to a multiple agents that refused to escalate my call. I also was hung up on during one call with a XXXX agent. I had my next call escalated from XXXX to XXXX and she processed my additional complaint where Capital One changed my due date and billing cycle. I assume they would waive the annual fee as they made predatory changes to my account by changing the due date to an earlier date. I asked for a new complaint to be escalated. They processed that complain reference # XXXX. They also did not respond within the committed 10 day XXXX. 

Lastly, I called today on XX/XX/22 and asked about a interest rate charge for a " purchase '' of {$0.00} cents. My account balance was XXXX and I made a partial payment to the annual fee awaiting a response to my previous complaints above. The company institute Unfair Deceptive Acts and Practices ( UDAAP ) by charging an interest on an annual fee which is not a purchase. The agent XXXX refused to provide me a reference number but did provide a case # XXXX after multiple requests so I could file a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The servicing for my loan recently transferred from XXXX to Chase. At XXXX ( and any of the prior servicers I have had in the past ) I was able to make bi-weekly payments. Chase does not. I called their support line and I was informed that 'Chase does not advice bi-weekly payments '. Furthermore, I was instructed that if I made bi-weekly payments I would need to call them to make sure the funds were applied correctly because they were not setup to handle bi-weekly payments. 

The fact that Chase does not advice bi-weekly payments completely contradicts all other financial institutions in terms of how to effectively pay down a mortgage and minimize interest payments. And the notion that I should call in each time I make an extra payment to ensure funds are accounted for correctly is frightening. XXXX would hope that Chase could handle this basic loan accounting themselves. 

Please recommend that Chase offer the proper options to those people with mortgages that are serviced by Chase. We should all be entitled to make bi-weekly payments if we choose and feel confident that Chase can process said payments correctly. 

Thanks in advance for you help and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had  XXXX   XXXX  many years ago ... .Account was closed by me for billing errors ... .on  XXXX   2014 , ... account was paid in full by me ... since then It has shown up on my credit report with a few different collection agencies ... .I have disputed them all and they were taken off ... now as of recent they sent to another collection agency  Eos Cca  {$2200.00} and now is back on my credit report! I do not owe them anything ... .please remove ... .thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: MS
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are three collections reporting on my credit file for over many years with. The debt is being bought and resold under other companies, after the investigated under the previous companies and deleted. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX all allowing this to repeat after each bureau has repeatedly removed these collections I have never owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: CA
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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Bankruptcy XXXX  XXXX-discharged Reference # XXXX, US DEPT OF EDXXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. 

Because I did not apply for credit with the lender and/or creditors below, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into the inquiries to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if the below lender/creditors are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/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