BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
At the time that this account was opened on my credit profile, I was not given prior notice that such action was going to take place. The last I had known, that particular account had been closed! 

Upon seeing it newly opened on my account, I only realized after doing some research that it was related to my past closed account with XXXX XXXX. 

My last known notification was around XX/XX/2019, asking for about {$1000.00} to settle the account. At the time I was on XXXX XXXX without pay and could not afford it. Shortly after, about 4 months later, while still on XXXX XXXX I further experienced hardship by then being placed on furlough from my place of work due to the Covid-19 pandemic. 

So in the midst of all of this, the newly opened account popped up on my credit profile without prior given notice and when I researched and called, that is when I discovered that a new company called Jefferson Capital had acquired the account and was asking around about {$1500.00} to settle the account. 

I tried explaining to them both my situation and disposition but they were unwilling to accept any amount less.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: PA
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, XXXX XXXX, XXXX 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 2017-03-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
In XX/XX/XXXX, I found an unauthorized charge on my Chase credit card. I contacted the vendor to find out the reason for the charge, but I did not have a reply for over a month. Therefore, I disputed the charge on my Chase Credit Card on XX/XX/XXXX in the amount of {$33.00}. Chase issued a temporary credit for the charge. On XX/XX/XXXX, the vendor sent email saying they still had not found documentation to support the charge. I again asked Chase to resolve the matter. Chase refuses to resolve the dispute, leaving the credit as temporary. The FTC regulations are clear. " The creditor must resolve the dispute within two billing cycles ( but not more than 90 days ) after getting your letter. '' The rule is posted here on the FTC website. https : XXXX It has been over 145 days since I filed my dispute. I have tried calling Chase 3 times and have submitted 4 online requests that the dispute be resolved. I have spoken to both regular customer service agents and also to managers and Chase still refuses to comply with the FTC regulations. I would like you to inform Chase of the requirement to resolve the dispute within the stated time frame and send me a letter closing the dispute. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with chase esponding to an ad that if you deposit a direct deposit into your account they would give you a XXXX dollars bonus. They closed my account after the direct dposit hit giving them a chance to securitize the deposit. Then they denied me my bonus after I met their requirement. I can understand their stipulation of taking the bonus back if I closed the account but not them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: ROC Asset Solutions, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a voicemail message ( on my private cell phone ) on XXXX XXXX, XXXX. A woman named " XXXX XXXX '' said to call back the number XXXX XXXX XXXX XXXX. On the voicemail she claimed to be looking for a relative of mine allegedly over a summons they wanted to serve. The message told me to call back an " XXXX XXXX '' and gave me a reference number. " XXXX '' was out for the day. However, the man I spoke to did not say their company name when answering. They could not provide their company name, nor a business address, nor could they tell me if they were a debt collector etc. 

Based on other Internet postings, this is a Scam alert. Other people have reported this number. If they were a debt collector they would say their company name. I blocked that number and have digital security protection, and I advise others to do the same. Again, ( XXXX ) XXXX should be looked into, flagged, and reported to authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: MD
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 just cant figure out whats going on and I also dont understand what it is that Im doing wrong, or what it is that Im not saying. Ive reached out to these creditors and was notified that theres been no investigation at all and youre just receiving an electronic response from them! I know that this isnt considered legal verification and that youre required to do your own investigation beyond what they submit to you. Wheres this info? Wheres this documentation? How was the investigation done? Who did you speak with? How can you prove to me that you didnt just parrot what they told you?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
At XX/XX/XXXX, Im trying to change USD to RMB, Im in a rush so Im sending help on social media, and a guy text me he can help with it, Im in a rush, he blocked me after I send XXXX $ through cash app to him, I try to contact cashapp and they said they could not help because Im under 18 and they need my SSN, they could help me anyway either Im a minor, that is not fair, Ive contact them like ten times, they all said they could not cancel a transaction, so I contact bank for this, at XXXX XXXXThey denied my claim at XX/XX/XXXX and takes a month, everytime I called them four times and I get a completely different answer from every call and still can not solve my scam problem, they replace my card and saying that could help report a fraud, i call today and they said I could not get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have several accounts on my credit report that are double reporting and I have several accounts on my report that the agency is saying it is accurate but when I notify the companies they can not provide me with information and they said that if I have any information to send to them but per the credit reporting agencys investigation they can not verify the account. But the credit reporting agency has stated that they verified it Is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: UT
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 fraud to equifax and they didnt remove the items even with proof that it is fraud, XXXX XXXX and XXXX XXXX  is due to ID theft, I submitted police report, id theft report, they didnt care and didnt remove it, I also notice inquires on my credit I havent pulled my credit for 1 year they wont remove it due to fraud. I wnat those inquires and XXXX XXXX and XXXX XXXX removed and blocked

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Payment was not applied in a timely manner and notifications for lack of payment were mailed, but there was no attempt to reach me via phone or text, etc. 

This caused a negative mark on my credit score. 

Once i was notified there was a payment issue, i paid the amount due and the amount for the next 2 months immediately.

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 2020-10-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX has things on her credit profile in-accurately reporting. We reached out to the Experian credit bureau on XX/XX/2020 and sent out another 30 no response letter on on XX/XX/2020. Neither letter has given a response. I have evidence for both.

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 2020-10-21
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Prior Case # XXXX ( Held by NationStar according to XXXX ) was not properly closes out. 
That lender must complete an " escrow close '' out in order for a refinance of my current loan that is with XXXX. 

FHA Resource Center regarding a closeout repair escrow reference number for a call to them is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion completed an investigation and still claims that their error is accurate. The account that they claim is still open has been closed for XXXX months.

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 2022-09-01
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: Account information incorrect

Complaint:
EQUIFAX is inaccurately reporting the balance on my XXXX XXXX  personal line of credit. The balance owed should reflect {$770.00}. {$8200.00} is the actual available balance. I have attached the letter I sent EQUIFAX informing them of the error. I've also attached the letter from XXXX XXXX that validates the change that needs to be made to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
New York and Company credit card website is always down and unavailable. On XX/XX/XXXX the website was working so I attempted to make a payment on the website, but an error appeared since it was after XXXX. The system forced me to make a payment the next day. I paid off the account with the payment date as XX/XX/XXXX since the system wouldn't allow me to make a payment. 

I recieved a statement indicating I owe the company {$31.00}. I sent a message through their portal & recieved a response to call the company for assistance. I called and a representative named XXXX told me that they can't help or refund the late fee although the account was paid off in full. Also, while on the line with her, the online payment system was unavailable, so she offered to take the payment over the phone. I never make payments over the phone because they charge you to do so. This time she said I would not be charged. 
My complaint is that I am charged a late fee when their payment website is down daily and they charge if you call on the phone to make a payment. It is also unfair to prevent payments from being made if it's pass a certain time. There are time differences in the world & everyone is not on the same time zone. 
I have closed this store card account as their website is always unavailable, not alllowing customers to make payments but charges late fees when you call or get through online after there cutoff time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello. 

This complaint is against Citi. 
I have a XXXX credit card with Citi. 
Last night, I noticed that they have been taking money out of my checking account without my authorization or consent. 
Specifically, they have taken {$400.00}, {$470.00}, and {$590.00} in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I called and asked them to return the money to my account because I have never authorized them to withdrawal money from my account. 
First, they claimed that I have enrolled in an automatic withdrawal program which I have never done, and they have no evidence showing that I did. 
So, they refuse to put the money back into my checking account and claim that they have taken the monthly payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Unfortunately, I do not have the money to hire an attorney and need your help. 

XXXX, XXXX XXXX XXXX ( Cell )

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 2022-04-09
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent Merchants Adjustment Service a debt validation letter XX/XX/2022 I have proof of a return recite. So I waited until XX/XX/XXXX to call them and ask them where are the validation of this debt I need proof they avoid sending me it. Then I call back and spoke to a male representative and ask them again about this debt validation letter and he said that they sent it out on the XXXX but I never received this. So he advised that he will send it to my email I gave him my email address and he said it will be sent out before the day end I waited and never received the validation and I also check my spam box to make sure it didnt went to spam. Its a violation of the collection practices act for a debt collector to refuse to send me a validation notice or fail to respond to my validation letter. The law is very clear as to the Civil liability and the remedy available to me for negligent XXXX XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. From the date I sent the debt validation letter which is XX/XX/2022 I gave XXXX 30 days to send me validation documentation thats this account is mines if I dont receive anything as In proof of what I listed in the debt validation letter from Merchants Adjustment Service by XXXX XXXX please remove this account from my credit report immediately and dont say you sent it out because I didnt receive it if you sent this out please provide a certified recited with the date that the male representative told me it was sent out which is the XXXX please show me proof of you cant show me proof Im asking that you delete this account from my credit report Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: MO
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:
RE : Account # XXXX XXXX XXXX XXXX currently reporting to my Equifax consumer report has exceeded the Statute of Limitations for the State of MO.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: JPMORGAN CHASE & CO.
State: ND
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/12 my account ending in XXXX was closed due to fraudulent transactions due to errors made by Chase. Chase allowed someone to deposit a fraudulent check in my account and immediately take the funds out of my account. The fraudulent check amount was {$3200.00}. Upon this discovery, I was told file a police report and return it to the branch. I did this, and the branch manager at the time told me everything was ok, and my account was closed with a balance of {$0.00}. This was fine, but years later I find out after trying to open an account with another bank, that I could n't because Chase has reported on my XXXX consumer report that I failed to maintain my account XXXX. In fact, Chase has on my consumer report that the account was closed due to insufficient funds totaling in the amount of {$3200.00}. Not only is Chase violating consumer reporting laws, but they are also asking me to pay a {$1000.00} settlement to remove this error off my consumer report. I provided Chase with the police report # XXXX precinct XXXX but they are still refusing to remove this derogatory marks off my consumer report. The branch manager assured me my account was closed in good standing with a {$0.00}, and to add insult to injury they even told me I could open another account with Chase. Why would they do that if they claim I owe money?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written consent. 

I never authorized or consented to any of the accounts being reported on my credit report. 

XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/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 non-monetary relief