BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: AZ
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:
1. XXXX XXXX ( ACCOUNT # - XXXX ) 2. XXXX XXXX ( XXXX XXXX : XXXX XXXX ) ACCOUNT # - XXXX 3. XXXXXXXX XXXX XXXX- ACCOUNT # - XXXX 4. XXXX XXXX- ACCOUNT # - XXXX XXXX. XXXX XXXX ACCOUNT # - XXXX IT HAS BEEN LONGER THEN 15 DAYS FOR RESPONSE. 
According to the provisions of the Fair Credit Reporting Act ' 611 ( a ) [ 15 USC 1681i ( a ), I asked Experian, XXXX and XXXX to do a proper investigation and a proper validation constituting this item showing as a collection on my credit report. They failed to provide in documentation that I requested of the names, addresses and telephone numbers of individuals they contacted during their investigation. I asked to please delete the item if they can not provide proof of what I requested but instead they updated the item and stated ( Our reinvestigation of the dispute ( s ) and/or other request ( s ) you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, or if you requested the addition of a statement, we have done so. ) They did not provide any information that I requested.

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 2022-11-08
Company: Experian Information Solutions Inc.
State: TX
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:
I have sent out dispute letters and certified letters dated as XX/XX/2022 and XX/XX/2022.

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 2015-06-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I received {$1800.00} from my Granddaughter through a " quick-pay '' transaction since we XXXX have Chase accounts. Once I got the money, I did a " quick-pay '' transaction back to her account utilizing her phone number as an account destination. The phone number that I used sent her transfer to a XXXX XXXX account that does not exist. My granddaughter has not had a account with XXXX XXXX for thee years. I opened a claim with Chase and they credit my account back {$1800.00}, while they did research. I went into the bank to physically put the money into my Granddaughter 's account. On XXXX XXXX, 2015 Chase did a reverse credit to my account for {$1800.00} with the explaination that XXXX XXXX never responded to them. Chase say they transferred it, and XXXX XXXX say they never got it. But I 'm left with negative {$1600.00} in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
CAILBER HOMES LOANS WAS NOT HONEST ABOUT THEIR POLICY AND PROCEDURES REGARDING MODIFICATIONS..I REQUESTED A MODIFICATION ON XX/XX/XXXX THEY ADVISED ME THAT ONE OF THE QUALIFICATIONS TO EVEN BR CONSIDERED IS DEFAULT OF MORTGAGE PAYMENTS FOR 3 MONTHS ... ... CONSIDERING MY SITUATION @ THAT TIME I AGREED, ,HOWEVER I WAS TOLD THAT THIS WOULD NOT REFLECT MY CREDIT EXPECIALY SINCE I HAD NEVER ACQUIRED ANY LATE FEES ON LATE PAYMENTS SINCE I HAD BEEN WITH CALIBER HOME LOANS .I BELIEVE THEY DID THIS TO DISABLE ME, SO I COULD N'T GO TO ANOTHER MORTGAGE COMPANY THE PROCESS TOOK SO LONG THAT I PAID THE REARS IN XX/XX/XXXX IN FEAR OF LOSING MY HOME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: CITIBANK, N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was unable to access my Citibank savings account for several days due to an expired debit card ( XX/XX/2022 through XX/XX/2022 ). But I had never received a debit card from Citibank in the first place and didn't know I was supposed to have one. I had to request a new debit card be mailed and get the associated card numbers before I could log into my account. Then, I was unable to complete a wire transfer and still am unable to complete it. I am trying to transfer {$50000.00} to my lawyer in order to purchase a house. I continuously get an error on the website : " For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service at XXXX [ TTY XXXX ] and mention Error Code MFA. '' I called customer service and spoke to four different people, none of whom have been able to help me. They said the only thing I could do was wait until their system refreshes and the security flag is cleared. I have been waiting and trying hourly but am still getting the same error and can not access my funds.

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 2021-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank Of America said I opened an account that I did not open

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 2021-06-16
Company: NAVY FEDERAL CREDIT UNION
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:
Navy Federal Credit Union is reporting an account to XXXX and XXXX that is not mine. I was not liable on this account and was only an authorized user. The account has since been closed. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-21
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was revoked my XXXX credit cards by CHase and there are still many fraud charges not credites back. I request CHase to give me and re activate my credits or let apply to new ones without this negative history being considered in the process of opening a new card and applying for it. I also request Chase to refund me the XXXX dollars they still owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i have contacted the credit companies by mail and stuff asking them to remove addresses that are not mines in the last few 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 2022-11-08
Company: Williams & Fudge, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original Creditor - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. 

Date on XXXX - XXXX XXXX. XXXX ( I never attended during this time. ) Statement Date from XXXX : XX/XX/XXXX ( attached ) Payment Made by XXXX  XXXX in XXXX of XXXX for XX/XX/XXXX - XX/XX/XXXX ( attached ) XXXX provided Debt Company a Falsified Statement with the same charges numerous time. ( See Statement attached ). Amt. stated as owed XXXX. 

Neither Creditor or Agency can explain the Statement or tell me why this is owed. 
I'm a Texas Veteran and used my Ch. 33 VA-EDU benefits XXXX Which paid for the Course in FULL ( see VA receipts attached ). 

XXXX  Billing department will not provide me any information. Will not send proof or explain details of Statement. I've been harassed for over 4 years & this account was at one time deleted from my Credit report due to XXXX not being able to verify statement. 
Please assist & investigate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: VA
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've been working with them to remove a 30 day late that is on my account. The banks dashboard was being updated and I did not want to be outside because of covid so when I paid them XXXX XXXX XXXX said they would refund me my late fee and take care of the 30 day late. XXXX did refund me the late fee but the 30 day late is still showing up on my credit reports. XXXX XXXX XXXX told me to dispute with XXXX, Experian and XXXX and then they would remove it. I have done this about 7 times and they keep saying it's being verified but XXXX XXXX XXXX says they are not verifying the 30 day late. I have even written a letter to the XXXX XXXX XXXX about this issue. The 30 day late is on XX/XX/2022 2022

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 2021-12-17
Company: Mid-Atlantic Finance Co., Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Your statement is false and I encourage you to educate yourself on consumer laws as it relates to finance charges so that you are not taken advantage of in the future regarding associated fees. Your statement is completely false and I will continue to escalate until my concerns are addressed. Congress clearly outlines the laws as it relates to finance charges there are no exceptions when it comes to down payments. 15 U.S. Code 1605 clearly outlines how finance charges are calculated and should be adhered too. Fortunately, your known policies and procedures do not overrule federal law. 

( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : As you can see above there are no exceptions and/or in the law. The law simply states that finance charge should not include any comparable cash transaction which was the down payment. 

Based on my legal binding document that Mid-Atlantic sent to me you assumed this agreement, therefore, you are just as responsible as XXXX XXXX XXXX in the illegal activity that transpired during this consumer transaction. I am requesting as a consumer that you either facilitate the reimbursement of said fees, reimburse me directly and receive reimbursement from your client ( XXXX XXXX XXXX ) or I will continue the Attorney General who may have a better understanding of the law. I have attached a copy of your prior response as a refresher.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Exeter Finance Corp.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2022, I called XXXX XXXX XXXX a partnering company with Exeter Finance for repossessions. I was told that my car had been sent to Auction today, and that I should set an appointment to come and retrieve my personal property from the company 's office. The letter that I received from Exeter Finance stated that I had until XX/XX/2022, with a 10 day extension option to submit a payment in full for a redemption of my vehicle. 

On XX/XX/XXXX, shortly after receiving the letter I submitted a tender for payment in the amount of {$16000.00} via certified mail with the return card # XXXX according to UCC 3-603 which states : ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.

I never received so much as a refusal phone call, email, or notice that the tender of payment was refused by Exeter Finance, and that my vehicle would be sent to auction before the date stated in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a follow up on case XXXX. The Bank responded by removing some wrong information from my credit. As said before, while paying them interest and principal from XXXX to XXXX, the Bank charged me interest for that same period. This added to " {$86000.00} '' ; said the Chase Bank. This money was added to my principal while doing a modification. It is obvious that I will be making interest payments XXXX and in addition, since it was added to my " NEW '' Principal, I will be paying interest again on those two previously paid interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: U.S. BANCORP
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Someone has acquired a loan through US bank in which they are recieving monies and borrowing acquiring loans. Additionally attempting to acquire a XXXX XXXX credit card which I cancelled. 
XXXX XXXX XXXX XXXX is My social security #

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 2022-11-08
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company foster and Garbus LLP send me a letter saying I was being sued sometimes at the beginning of XXXX, around XXXX of XXXX I send a certified letter asking for information in regards to the debt they accused me of owing, the bills I was sent did not belong to me it had someone else complete information. I am being harassed by this company and threatened to be sued. I requested information again they did not provide and threatened to sue. Finally, when they send me information did not add up to what they are accusing me of. They ask me to send my current information but I believe this is a tactic to use it against me as multiple times they did not send me accurate information but once I gave them more information they use it against me. They are saying my current driver 's license was used to open and online account in XXXX that's not possible and the information they send me is not from that year. They are unable to provide me with any information and continue to harass and threaten me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company did not send enough information verifying the legitimate balance of the debt. What they mailed to me showed a written-off balance of {$0.00} from the original creditor. After speaking to counsel, I decided to settle the debt vs. it remaining on my credit report while we continue to dispute it. We agreed on a settlement amount for deletion, but now the company refuses to provide a letter based on our agreement after I processed the payment. They are stating that I have to wait 30-45 days and callback before they would consider generating a letter confirming our agreement, and now I don't feel comfortable or confident that they are going to hold up to their end of the bargain.

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 2021-06-16
Company: FlexShopper, Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are Reporting Inaccurate and Fraudulent Debt Amount on my Credit Report. I reported this to the CRA 's and directly to the company. I requested a Complete Account History of Account Opened, Purchases, and Payment History, necessary to verify legal accurate information. The Account History was not provided and inaccurate information is being reported by company and CRA 's. 

I authorized Flex Shopper to take monthly payments from my bank account. Flex Shopper took multiple unauthorized payments out of my bank account several times a month causing additional overdraft fees. I had to close my bank account. I called into to pay off remaining balance of {$200.00}. Flex Shopper refused my payment and demanded my bank account information. I tried several times to pay off the {$200.00}. and my payment was refused. Flex Shopper / XXXX XXXX XXXX XXXX are reporting to CRA 's that I owe {$1600.00}. and refuse to provide account history. They are committing acts of fraud and inaccurate reporting they are not being held responsible by CRA 's. 
A complete Account History must be provided for burden of proof in establishing the Validity of Legal Reporting Accuracy. 

Submitted Under Oath & Integrity XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: EQUIFAX, INC.
State: AZ
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:
RE : XXXX XXXX Thank you for your last response and extention of time until XX/XX/XXXX. 

One last point of clarification, can you please comment on the legality of transfering negative equity from one party ( single owner ) to an entirely another party ( single owner )? 

{$13000.00} which you claim needs to be paid in full by XXXX Car Purchase price {$35000.00} You claim the vehicle was sold for {$30000.00}, how much was the XXXX XXXX  sold for that was received for this purchase? 

You received {$2000.00} cash for this buy contract for which you breached Difference of $ XXXX {$2000.00} = {$3000.00} Negitive equity recorded was {$12000.00} which should not be reported on my credit report and actually should be recored to the owner of the debt. I can not purchase debt, this would not be a legal purchase contract, and youve now since cancelled the contract. 

The XXXX XXXX in a 3rd party name ( other than myself ) was sold for a profit by your company. 

Would you now return the original vehicle ( XXXX XXXX ) involved in this purchase to its buyer which was not me? Since the XXXX XXXX was voluntarily surrendered under the understanding the Chapter XXXX agreement would be honored, we would have asked for the vehicle to be returned and hold the position it was sold prematurely and prior to the outcome of the chapter XXXX. There should be consideration of these other factors involved. 

We had every intention of using a vehicle as we are a 2 vehicle family and this brought us down to 1 vehicle. We subsequenly purchased another XXXX to replace this vehicle and have even purchased another XXXX since then with both accounts in good standing with one vehicle paid off entirely and another with on-time payments and have records showing this intention. 

Please let me know your stance on the final debt you believe should be reported on my credit as I have included the original breached contract and can included additional documentation as necessary. 

Thank you.

Company response to consumer: Closed with explanation