BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-16
Company: Bread Financial Holdings, Inc.
State: NY
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:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 

Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. 

I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, and for the ones I recognize, I dont believe I owe as much as it says I do, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone.

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 2016-09-16
Company: Medical & Professional Collection Services, Inc. NC.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Medical claims against my children. It is the responsibility of my ex-spouse. I never received any notice of the bill or collection attempt. All correspondence was with my ex-wife, in her name only. I never received any communication in my name. Negative entries reported to Credit Bureau and my credit score has been negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: ALLY FINANCIAL INC.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I initiated an ACH withdrawal from my ALLY bank savings account to my Chase checking account. The delivery date of the transfer was XX/XX/XXXX. On XX/XX/XXXX I received a notice from ALLY bank that they have suspended my transfer. Agents on the phone at ALLY bank are unable to help me complete the transfer and have told me the transfer was frozen due to insufficient funds which is clearly not true if you know how to read numbers.

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 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not recieved a response yet, I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and its been over 60 days, so it should be deleted promptly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong person hands.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX County Court Pleas continues to furnish information on credit profile. Late payments are causing scores to deplete. With the false payment history, this is against FCRA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Collections Acquisition Company, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt of {$64.00}. I was in the process of moving at the time the debt went into place so I never received any notification. The only way I found out about it was running my credit report. The debt was valid and I paid in full as soon as I saw it. With that being said today  XX/XX/2017    I called the company asking them to remove from my credit report because I was in the process of buying a house. They said no it was not against their policy. When I paid the debt I was never informed that they would not remove the debt due to their policy. I was never informed that this would not come off my credit report. If this is their policy they should inform people that when they call and pay the debt. I never received anything that this was their business practice

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 2020-08-16
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
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: Account information incorrect

Complaint:
I have a loan with UAC/CARHOP. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both all 3-bureaus and UAC/CARHOP with no successful resolution. All 3 bureaus are reporting me late. There was definitely an error on their part. I was never 30 days late

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 2015-07-27
Company: AAA COLLECTORS, INC.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a letter Back in XXXX. I responded and Asked for proof of debit Via fax ( i have proof of fax enclosed ). I also mailed out a copy that I faxed to them for proof of debit ( I have provided the printed tracking numbers as proof as well ) I got a letter today stating they are going to Sue us if we do not pay. This is the only response we have received and still have not been provided with any signatures and proof we owe this debt, or anything we have asked for in the letters we have sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: GA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I started a company and used my PayPal to collect goods and services from customers. They then banned my account on XX/XX/XXXX and when I called they told me that they had no reason to ban my account what so ever. They said and I quote we can not give you specific reasoning to why this account was banned because we dont have one. They then said they are holding the almost {$2000.00} for 6 months. But said that I should make a business account and that I can still use my account that way. I then made one and connected my website to it via XXXX. Immediately once I connected my bank account they put my account under review on XX/XX/XXXX. While I followed every single guideline for PayPal.  Then today on XX/XX/XXXX they banned my account again for not one reason at all and am holding my money, around {$7000.00}, for 6 months. They are making money off of my money while I need that money crucially to run my business. They discriminating against me for no reason at all what so ever. They told me I could use my business account but immediately banned it once I had more money in there and found out it was my business. Which this business is  legal. I own a XXXX XXXX business where I XXXX XXXX XXXX XXXX XXXX. I have all legal documents to run this business, Tax ID, Kansas Tax number, Kansas State resell certificate, and every other document I can think of. This is getting ridiculous from PayPal as they are holding close to {$10000.00} in 2 accounts that I need now. They accused me of being a liability, but I have NEVER had a customer charge me back or even start a case to charge back. Thank you guys for all the help you will provide me with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16
Company: STERLING BANCORP
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I contact Sterling National Bank, to inquire about mortgage forbearance in XXXX. We requested the terms of any possible forbearance to be sent to us in writing. Within a few days, the bank sent us a letter detailing the forbearance. After review, we decided not to execute the forbearance paperwork. We continued to pay our mortgage on time, in full. Interestingly, Sterling National Bank continued to send us our regular monthly paperwork, showing that our payments were received, and showing an ongoing reduction in our mortgage. I would emphasize, we NEVER signed paperwork executing the forbearance paperwork. 

On XX/XX/2020, we received notice that our forbearance period was ending, and we immediately investigated our credit and saw that Sterling National Bank had put our account into forbearance ( but collected our full mortgage payment monthly ), and notified credit bureaus. Sterling National Bank had no right to put our accounts into forbearance, and unilaterally put our account into forbearance without our agreement. This is in clear violation of federal law not to mention traditional contracting principles. Moreover, Sterling National Bank continued to receive our full timely mortgage payment monthly, and never mentioned forbearance on our monthly mortgage statement. 

We request that the CFPB immediately investigate Sterling National Bank. Their mistake will likely have impacted not only our mortgage, but countless others. 

XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: TRANSWORLD SYSTEMS INC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received anything from XXXX XXXX XXXX apartments. Now I see Transworld Systems is reporting this issue on my credit file. I did a dispute to the credit bureaus and a direct letter to Transworld Systems asking for validation. The bureaus mailed me that Transworld verified as accurate, but no response from Transworld. 

I asked for validation of the {$2800.00} current balance amount. An itemized statement showing all charges and fees. The date when I vacated the apartment. A list of any damages. 

Plus according to Ky. Rev. Stat. Ann. 383.670, I would like to know what steps were taken to re-rent the unit to limit my exposure to additional rent costs?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a checking account ending in XXXX and I provided the CPA letter to show business ownership to Chase Bank via email and sent it to XXXX I need my funds that are rightfully owed to me. This is {$22000.00} that I have to pay back to the government. I also need the other remaining funds of {$4700.00} which is a total of {$26000.00} I spoke to XXXX at the executive office and did not hear from him nor anyone at Chase since XX/XX/XXXX and it's already XX/XX/XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
MY NAME IS XXXX XXXX. MY PHONE IS XXXX. MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX. I HAD A SECURED CREDIT CARD ACCOUNT WITH CITI BANK SINCE ONE YEAR NOW AND I DECIDED TO CLOSED IT SINCE THREE MONTHS AGO BECAUSE I NEED MY FUND TO PAY MY BILLS DUE TO THE PANDEMIC, I HAVE NOT WORKED FOR A FEW MONTHS NOW AND I NEED THE FUND TO PAY MY BILLS BUT EVERYTIME I CALLED THE SAID THE FUNDS IS ON THE WAY TO ME FROM SINCE LAST MONTH BUT I HAVE NEVER RECIEVED ANY. MY ACCOUNT NUMBER IS XXXX XXXX XXXX XXXX. I ALSO HAD CHARGES THAT WAS REFUNED TO ME ON THE ACCOUNT BUT SINCE I CLOSED THE ACCOUNT THE PUT BACK THE CHARGES THAT WAS REFUNED AND REMOVED FROM MY FUNDS WHICH I HAD TO PAY. THESE CREDIT CARD COMPANYS DON'T CARE ABOUT HOW MUCH PEOPLE HAVE TO STRUGGLE IN LIFE BUT ALL THE WANT TO FIND A WAY TO RIP YOU OFF, THIS IS ONE OF THE MAIN REASON WHY EVERYONE HAVE HAVE TO SUFFER THIS PANDEMIC. THER ARE NO HONESTY NO SYMPATHY FOR ANYONE, EVERYTHING THAT MATTERS IS MONEY AND POSITION NOTHING ELSE. I WOULD BE GREATLY APPRECIATE YOUR HELP AND YOUR SUPPORT ON THIS MATTER AS SOON AS POSSIBLE. THANK YOU. 
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 2015-07-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have deal with Chase for some time, trying to work out a modification agreement. The have been very difficult to deal with and they seem not to want to actually deal with the customers. I always get a new person assigned to my file, and now I have a sale action date of XXXX XXXX 2015. I still want to keep my home. Their executive office is difficult to deal with as well, even though they own the loan and there is no third party investor. 
I contend that Chase offered me a modification agreement last summer that I accepted with their on line portal, however they sent in writing a modification offer that was $ XXXX/mth higher than what I accepted on line. I asked for an explanation and inquired to Chase what happened to the first offer, but they took the stance that they would only acknowledge the second offer they sent. I still made all the trial payments, in the good faith that they would see the error and honor the first set of modification terms. By XXXX they still did not acknowledge the first offer, even though it was still showing online ( of which I have screen prints to show ) and would no longer accept payments from me after I made all of the trial payments. 
I have been trying since XXXX to have asstiance with someone in helping with Chase as they seem to hold all the cards. Chase owns the loan there 's is no 3rd party investor, so they can do whatever they want, which is to foreclose. It is clear this is the way they do business as evident with the numerous settlements for XXXX of dollars including the XXXX XXXX dollar Mortgage Foreclosure Settlement. They have gotten me to accept one offer they switched it with another more expensive offer, it has been a classic bait and switch situation. It seems this happened all too often in communities like ours, right now there are XXXX empty foreclosed homes on my block ... I do n't want to be the XXXX XXXX. I must speak out and fight on with this because I know I am not the only one who has been victimized by Chase Bank like they, and they need to be called out on it. I simply want to keep my home of XXXX years and for them to honor the terms of the first modification agreement they offered. I am asking for any assistance that you can give in this matter, please feel free to contact me so I can send you any documentation that you may need. Your help is appreciated, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Long & Foster Financial Services, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was with Prosperity Home Mortgage LLC and I had difficulty in the application process. I was not happy with the service or how I was being treated. During this time I was made to pay {$500.00} for an FHA appraisal before any underwriting began and I would like to have a copy of it as I was promised. I called this morning XX/XX/2020 and was promised it would be emailed to me today XX/XX/2020 immediately. This company always promises things and then doesn't carry through. Please allow me to get my appraisal and have my FHA loan number freed up for my new lender to process my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received notice of this debt, even ate disputing it with XXXX XXXX. Company has had 5 years to verify the debt and refuses to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I made a purchase of a cashier 's check from my bank account on Chase by XXXX/XXXX/2015 to pay my move in fees in a new apartment located at XXXX. The amount debited from my account was US {$6400.00} and the check number was XXXX. On the other hand, last friday XXXX/XXXX/2015, I received a 30 days notice to vacate the premisses because the landlord told the check was fraudulent. I went to speak with the representant by the lease office and she told me the amount on the check was different than the amount generated. I went to Chase and the banker told me a problem happened and would take up to 10 business days to send the money back to my account. This is unreal and now not only my reputation but my integrity are burned in the building I just moved. By the lease office, the lady told me they could n't even deposit the check. I need a solution ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2022-02-21
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On several occasions I tried challenging some inaccuracies that has been reported on all three of my reports. Experian, XXXX and XXXX hasnt removed any inaccuracies from my report even when proof was provided on my end. 

For instance, I have a bankruptcy being reported. Ive reached out via mail several times to the court that has reported the public record asking them to verify theyve mailed me back correspondence adding they were unable to verify the bankruptcy. Ive mailed a copy to each bureau and nothing has changed.

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