BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-02
Company: JPMORGAN CHASE & CO.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Received a letter dated XXXX XXXX, 2015 stating my CHASE Credit Card ending in XXXX was going to expire within the next two months. Since the card had not been used within the past XXXX years, they were closing the account when it expires. 

It went on to say if I would like to keep this account open, please call toll free and they would review. 

I called and after giving them my income and information they were willing to keep the card open at {$1000.00} limit whereas before it was {$6500.00}. They also went on and reduced my other XXXX cards from Chase as well taking the limit from {$5000.00} to {$1000.00}. 

What these actions have done is drastically reduce my credit score from good to below average of which I told them so, but they did n't care stating that was my problem. 

With banks doing this to customers no wonder people have bad credit scores and banks can charge more for loans when you need XXXX. This action also prevents people from acquiring a mortgage or car loan and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a refinance of my home mortgage to lower my rate with a credit score over XXXX and excellent debt to equity ratio. My mortgage payments have never been a day late. My net worth is high. I was told it would take 9 weeka Now almost 5 months later still no approval. I am XXXX XXXX and feel this is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have asked TransUnion to remove an incorrect report that showed up on my credit profile about 2 months ago. 
This report is completely incorrect. This collection account should not be showing up on my report as a XXXX month old account. The account is closed this account was taken care of years ago. 
It has not been reported by any other credit bureau. 
I have informed TransUnion on this matter concerning this error, and they are refusing to do anything about it. 
I have asked them to delete this account, especially because of the reported young age of this past delinquent closed account. There is no way that this account should be 2 months old when I am currently a client of charter communications, and I have had great relationship with charter communications for quite some time. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion has violated my rights.

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 2022-10-14
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Creditors Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) On their first collection notice, they are required to allow dispute of the debt, but the listed dispute website is non-functional. 
2 ) They indicate as required that the debt can be disputed by calling them, but there is no specific number to call to make the dispute. Their general number only allows automatic payments, no dispute process.

3 ) The Mail-in form does not have place to indicate why the debt is in dispute.

4 ) The Company is attempting to collect medical debt where the provider has yet to correct the original procedure code error that would discharge fee/bill to {$0.00}.

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 2022-10-14
Company: SYNCHRONY FINANCIAL
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:
To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts.

Secondly according to the 15 USC 1681.The law clearly states.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately.

1. XXXX XXXX 2. Account Number : XXXX The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. 
I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO HAVE ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT. 

15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Sincerely, 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 2022-10-14
Company: BSI Financial Holdings, Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and i purchased an income property in XX/XX/XXXX. Bsi is the lender. At the end of XXXX i received notice that there was a shortage in my escrow and that my mortgage payment will increase from {$970.00} to {$1500.00}. I reached out to the mortgage company. They explained that the shortage was due to me not having the property insured and that they had to get insurance on my behalf. This caught me off guard because I was unaware that my insurance company dropped me. Even more important, I never received any written notification of any forced placed insurance being placed on the property prior to the mortgage company acting. In fact the insurance company didn't notify me either. The insurance policy was cancelled in XXXX of XXXX. I found out XXXX of XXXX. The policy has been reinstated and the mortgage co has been sent proof of the new insurance. I have tried to reason with the mortgage company to reassess my inflated mortgage payment but, they are uncooperative. The mortgage company did not send an intent to contract a forced placed insurance prior to doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To whom it may concern, I have tons of old debts, collections, and charge-offs on my credit file. Some are very old that should have fallen off by now, and some that may show inaccurate amounts. I was turned down for being pre-approved for a va home loan. However, these old debts were calculated and mostly the ones I paid in full. 


1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX ( inaccurate dates ) account was opened XX/XX/XXXX in XXXX XXXX Utah located at the XXXX inside of XXXX XXXX 's building when I was in training to become a XXXX XXXX. Date is showing I opened this acct XX/XX/XXXX. This information is false. 
5. XXXX XXXX XXXX XXXX 6. Sears is still on my credit file after 8 years and payment in full. 
7. XXXX XXXX XXXX was supposed to settle this debt after the SCRA case was closed.

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 2015-07-25
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is not removing a negative credit inquiry from my credit reports. The account & delinquency is from 2004. Instead they keep changing the date as to when the account was open to keep it on the report longer. I 've asked for them to verify debt information and dates and they refuse to provide the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
ALLIANCE ONE COLLECTION AGENCY CALLED ME AT THE ABOVE PHONE NUMBER WHICH IS MY EMPLOYER, I ADVISED THE COLLECTOR TO PLEASE " DO NOT CALL '' MY POE PLEASE CALL MY CELL PHONE AND PROVIDED THE PHONE NUMBER TO HER. THE FOLLOWING CALL I WAS CALLED AGAIN AT MY EMPLOYER. I ASKED THE COLLECTOR IF MY ACCOUNT WAS NOTED TO NOT CALL MY POE BUT TO CALL MY CELL PHONE AND I WAS TOLD THAT MY ACCOUNT DID NOT REFLECT ANY TYPE OF NOTES OR INSTRUCTIONS, I ADVISED THE COLLECTOR TO " DO NOT CALL MY PLACE OF EMPLOYMENT '' ONLY CALL MY CELL PHONE AND AGAIN PROVIDED THE PHONE NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Chaplain Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have been contacted by a very rude, harrassing and disrespectful lady from these phone numbers XXXX and XXXX at least 6 times today. She has left me very threatening and serious voice messages on my cell phone and on my work phone. I work for a XXXX XXXX and she is threatening to contact Human Resources to have my wages garnished. She also threatened to take police action against me, take me to court, have me served in public, contact my neighbors and my family members. All I asked her for was a validation notice for this " debt '' from 2011 and she has gone out of her way to threaten me. I was in the process of giving her my email address so that she could send me the validation notice and she did n't like that I was spelling out my name for her. She has called me at work requesting the fax number of Human Resources. And then she left another voice message pretending to be talking to someone on the other line saying " yeah at least now we know where she works. '' I will be informing the XXXX PD at the XXXX where I work so that they can be aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Late payments XXXX, XX/XX/2020 capital One bank USA Late payment XX/XX/2020 XXXX XXXX  These cards are business accounts used for Counseling Solutions, a counseling health care business in XXXX, Texas. 

During COVID we were closed for two months until we could service clients online. The payments were caught up immediately when we returned to the office late XXXX, 2020. 

I have spoken to the companies and appealed these items since they destroyed by credit score. Both ascertain COVID is no reason to not pay ; I also explained that I had called each business at the end of XXXX to let them know the payments would be late. The Customer a service Reps told me to do what I could to pay ( whatever that meant ). 

I had exceptional credit history before these. 

Please help me resolve these horrible marks on my credit report ; these businesses will not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Wilber and Associates, P.C.
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was involved in an auto accident last year and unfortunately my insurance refused to pay for the damages. Last month I got a call from Wilbur and associates who informed me I owed a debt due to the damages that took place during the accident. The representative I spoke with scared me and told me my Drivers license would be suspended if I did n't pay the bill. I informed her that my boyfriend and I are barely making ends meet, and it would be impossible to pay he debt off. The person I was speaking to informed me again if it was n't paid she would in turn have my Drivers License suspended. She told me in order to avoid that I would need to pay {$900.00} plus per month. Although I agreed to the payment, I in turn knew there was no way my family and I can afford to pay that per month. I was scared, and did n't know what to do and I was intimidated in setting up the payment arrangement in order to avoid my Drivers License from being suspended. I then called a friend to help me and told him I could pay {$200.00} a month at the very most. I also learned that a judgment had to be obtained before my driver 's license could be suspended in the state of Colorado, but they told me it would be suspended by the end of the month. I 'm really confused on what to do. We 're willing to make payments, and they informed us that they would take them, but it would n't stop them from suspending my driver 's license. I also had a friend to help me, and he agreed to call in and speak on my behalf. He called them, and they informed him the same thing. The rep also told him to tell me to open a Credit Card to pay the debt. There 's no way I can do that. I ca n't go into more debt, just to pay another debt. The company refuses to work out a reasonable payment plan and I feel there 's nothing we can do. I feel we 're being taken advantage of and this has caused emotional stress that 's unbearable. We do n't know what to do. If we ca n't drive we ca n't get to work, buy food for our family, and live.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 requested validation from TransUnion on an item they have listed on my credit report as a collections account from a company by the name of : XXXX XXXX XXXX w/ an account # beginning in XXXX. Each time I write to TransUnion disputing this item and requesting validation they write back stating they already verified the item. So first thing is, I didnt request verification I requested validation. Second of all Ive also requested they send me the information they have in their files that validates this alleged debt, and each time they ignore that request and refuse to send me this information on MY credit file. 
On their most resent response dated XX/XX/2020, to yet another dispute and request for validation for this same item that I sent to them, they replied we previously completed an investigation of the below item and { verified } the information on your credit file. 
Now, neither XXXX or XXXX were able to validate this alleged tradeline and have since removed it from my credit file, nor has the company themselves been able to validate this debt as belonging to me and isnt paying to report it against me any longer. So I truly do not understand how TransUnion claims they are able to do something thats not even possible to do, and validate an alleged debt that doesnt belong to me! I would like TransUnion to immediately remove this from my credit file with them, or supply me with the information they state they have on file that VALIDATES this alleged debt as undoubtedly belonging to 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 2016-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had fraudulent activity on my credit card from Bank of America XX/XX/XXXX. When I reached out to them, they asked if I ever shopped with the specific merchant. I told the truth and informed them I have shopped with them but I was not present on those transaction dates and I never made or authorise those purchases. They said because of that reason it would be a dispute, which is not correct. During the dispute, they sent to me the receipts from the merchant. I told them again I was never there to make those purchases on that day and the receipts the merchant provided where not my signature. They went ahead and finally pursued it as fraud-which they should have done in the first place. They told me I was " XXXX not liable for the charges '' and they will continue to do their investigation. After awhile, they came back and put the fraud charges back into my account. When I asked them why, they informed me because I have shopped with that merchant before it is not fraud. I work in credit cards for another group and this is ridiculous! I even had another card compromised for the same dates and same exact charges from the same merchant. The other credit card company took care of my needs right away as fraud. I never shopped with the merchant on those dates nor signed those receipts and I told Bank of America they needed to pursue with the fraud case again. They told me they would not. I went ahead and closed the account and told them I will not pay anything. They continue to send me notices of payment dues. I do not want this to end up being sent to the credit bureau when I have fraud charges on my account not taken care of. I 'm pleading to ask what I can do to have this matter handled correctly. Thank you for you help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: SC
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 fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts name : XXXX XXXX XXXX XXXX  # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than XXXX vears. 

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 response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Citi Credit Card ( Costco Card ) Changed my statement close date with no notification or approval. They then proceed to charge me late and interest fees along with not deducting a {$4100.00} payment but instead adding it on top of my new balance, which comes to {$7700.00}. They provided no explanation for why this happened. This is clear Fraud. Fraudulent charges ex. late fee, interest fee, {$4100.00} all ready paid. If I tried to take upwards of {$4000.00} i would be arrested. XXXX ( Customer Service Manager ) XXXX was who I spoke with after demanding to speak to a manager and before he transferred me to

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