BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Bank XXXX XXXX gave us a XXXX. Loan to purchase XXXX trucks for our trucking co. The loan was paid after bank of XXXX was sold to XXXX XXXX then sold again to Wells Fargo. The loan is paid. XXXX separate lien releases were filed in XXXX. XXXX for the deed of trust, XXXX for the loan. The problem is somewhere in the repurchase of these banks the numbers got transposed? Or XXXX lien releases were filed on same property, but did n't release the deed of trust. We have XXXX working in this for over a year. First case opened in XXXX XXXX, then closed in XXXX XXXX will no resolution. ( XXXX buyers walked last year because of waiting on Wells Fargo to find the problem ) Now this year, we opened a new case in XXXX & it 's been 8 + weeks &! norhing is getting done. We have house sold & buyers are ready to walk again.

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 2021-06-15
Company: Experian Information Solutions 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:
This Collection is showing on my credit report with Experian : XXXX XXXX, XXXX XXXX creditor : XXXX {$370.00} Account number XXXX Collection opened XX/XX/2021 Balance updated XX/XX/2021 This does not belong to me I call and verify this is under a XXXX XXXX with a SS # ending in XXXX. When I advise them to deleted the collection agency disconnected the call. I never had 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 2021-06-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX/XXXX  xxxxxxx XXXX I completed the Student Loan Rehabilitation Program so this account should NOT be reporting any LATE payments. Correct or delete the account right away!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear Sir or Madam, This is my second complaint letter about the same inconvenience the bank caused me. I was not convinced by their previous explanation.     I received a letter from  Chase  requesting documentation late  XXXX   XXXX . I am copying part of it listing documentations requesting : Proof of immigration Documentation Please bring one item from the list below to any branch by  XXXX / XXXX / XXXX  to prevent account closure.     Proof of Immigration Form  XXXX  Permanent Resident Card or Alien Registration Receipt Card Form  XXXX  Receipt Notice for an  XXXX  Application to Adjust Status to Lawful Permanent Resident Foreign passport that contains temporary  XXXX  stamp Foreign passport that contains  XXXX   XXXX  printed notation on a machine readable immigration visa Form  XXXX  Re-entry Permit Form  XXXX  Employment Authorization Document  XXXX  with parolee, refugee or asylum stamp Although their letter had a typo (  XXXX  instead of  XXXX  ), I provided them with my Employment Authorization Card ( OPT card ) which is issued by  XXXX  and is valid until  XXXX   XXXX . They closed both my checking and saving account on  XXXX   XXXX ,  XXXX . I issued a complaint and here is part of the explanation letter : We sent you the enclosed letter dated  XXXX   XXXX ,  XXXX , requesting proof of immigration documentation. The letter included the list of acceptable forms of proof of immigration documentation. The letter requested that you provide the additional documentation by  XXXX   XXXX ,  XXXX , in order for your accounts to remain open. We thoroughly reviewed the documentation you submitted and determined it was unacceptable because it was partially illegible and reflected an invalid category code.       They claim my  XXXX  card reflected an invalid category code. How would I know the valid category code? They didnt even include valid categories in the first mail they sent me requesting additional documentations. If I knew my card is invalid as they call it, I would have never bothered. I spent a lot of time reaching a branch and talking on the phone to their executive office.     The bank gave me a lot of hard time. They wasted a lot of my time. They caused me a lot of inconvenience which was listed in my previous complaint letter. I still believe they didnt act responsibly. Id appreciate your investigation.     Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I discovered that someone had opened XXXX Chase credit accounts without my knowledge or consent. I 've reached out to Chase, provided them proof in the form of ID theft affidavit, and asked them to provide me with whatever proof they have in claiming the a account is mine, but they refuse to do so. I 'm attaching my last correspondence with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  & TransUnion have not removed a disputed debt currently owned by XXXX XXXX XXXX reported on my credit report. XXXX  purchased the alleged debt from XXXX XXXX. 

XXXX  has done their proper due diligence and has had the incorrect debt removed from my credit report.

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 2015-06-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have tried to make a charge on my card # XXXX, but my charge was declined. 
on XXXX XXXX, 2015. I called customer service and was told that JP Morgan chas had unilaterally closed this account as well as my other chase credit card account # XXXX. 
When I asked was JP Morgan chase closed my accounts. i did not get any answer from customer service representative XXXX and his supervisor, except that theydecided to do close my accounts. 
XXXX my account were in good standing, not in default. I have always made payments on time. However, Chase had consistently discriminated against me based on racial bias in the past, and I have several current complaints against Chase with Financial Consumer Protection Bureau, I insist that the closure of my accounts by chase was in retaliation for my complaints of racial discrimination against me by chase to the Consumer Finacial Protection Bureau. The closing of my accounts by chase is unlawful retaliation for my complaints to Consumer Financial Protection Bureau and is a violation of federal fair credit act. ON top of that chase had closed my XXXX account XXXX year before its anniversary when they had to provide a free night state certificate for me XXXX. by closing my account now, chase is trying to avoid the expense of providing me with the said certificate. these actions of chase are illega.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: Late fee

Complaint:
I went onto Chase.com and paid my bill but the website somehow did not process my payment. I put my bill away and went back onto Chase.com the following week and noticed that the payment was overdue. I called Chase to explain I was certain I made the payment, but they would not remove the late charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-16
Company: TRUIST FINANCIAL CORPORATION
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: Public record information inaccurate

Complaint:
Sheffield Financial a subsidiary of Suntrust Bank is reporting an inaccurate account on my XXXX credit report. They are reporting and verifying an account as a charge-off that was included in a bankruptcy proceeding. This is against federal rules and regulations. It is inaccurate and must be removed per the FCRA. 

I spoke to the bankruptcy department a week ago about this issue and they did not return my call.

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 2015-12-28
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
I initiated several disputes on my chase card and after sending over very detailed explanations as to the cause for my dispute. Chase somehow turned this into to a quality of service issue and denied my claim. I do not believe Chase even read my complaint as it was not a quality concern it was an issue of the services not being provided. I did not receive what I paid for PERIOD. These XXXX companies have scammed me out of a lot of money for doing nothing. Chase informed me that they reached out to the merchants and they did not honor my request. Of course they would n't honor my request they are getting away with murder and Chase is helping them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a XXXX scammer from XXXX ruin my account at the Chase Bank in XXXX, XXXX. I cashed the check but it was a counterfeit check and the bank closed the account and sent it to collections. I need to pay off everything I owe Chase Bank and have an account in the positive. I have written them letters and phone calls and BBB complaints and it is not resolved. I see money scam after money scam on TV and get mail fraud from XXXX XXXX in XXXX, XXXX XXXX. XXXX XXXX claiming " XXXX wants me to be rich '' and he says he gives away " miracle money '' and he does n't. The US Postal Inspector should do something about this and they do n't. According to the show American Greed on XXXX mail fraud is a felony. Why do n't they do anything about it? They are on XXXX XXXX XXXX XXXX, XXXX. They and my bank need to communicate to pay off my debt and to open a legit account in the positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
THis is my Complaint with Chase Morgan Bank Please HELP. CHASE MORGAN BANK keep trying to FRAUD me with my OVERDRAFT. 
Ok for over a week all my purchases has been pending and these purchases are was paid and and delivered threw mail but yet it was still pending. Chase just want me to be confused that show I have money when actually my account is already negative. They just want me to buy more when my account is already overdraft. 
RIGHT WHEN I send them online message about why all these almost or XXXX purchase are still pending. They fix it the same day or night. 

WELL NOW. I paid XXXX {$330.00} and it actually showed up on my Account. But when XXXX charge me for {$450.00} why did Chase all of a sudden put this {$330.00} pending and charge {$450.00}. You see I figured out my purchase. I paid the $ 335 days before and it was not pending. So that left me with about {$59.00}. Then I knew XXXX was going to charge me the {$450.00} whcih I will be charge an Overdraft fee. 

But what does Chase go and do so I can PAY for XXXX OVERDRAFTS. The put the {$330.00} that was not pending days ago in pending now and they paid for the {$450.00} which was just posted today and should of been pending. 
And this is how they charging me for XXXX OverDraft. 

I am sick and tire and I am tired of CHASE taking advantage of my XXXX becuase I have a payee too. CHASE has been doing this and IM FINALLY FED UP.Im XXXX and angry and having problems with this. I am on SSI and struggling. They know I need the bank for my SSI. What they think im to dumb or stupid and to sick. 
PLEASE I am going to file with the Consumer Complaint and XXXX and WHo ever else I can reach. and XXXX XXXX ect ... 


THank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20
Company: Credit Systems of the Fox Valley, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
The company is XXXX their phone # is XXXX XXXX at XXXX am they called my place of work. I answered and they asked for me using my full name-when I asked what it was regarding they said it was personal. I said it was me & they wanted to talk to me about a bill because they could n't reach me by phone ( had my phone # changed when I switched carriers several months ago ) I had a patient standing in front of me waiting to get checked in so I told her to not ever call me at work again or I would get XXXX of an attorney. This was very embarrassing for me as my co-workers and the patient heard the whole thing. Very sad that they would stoop that low and put my job on the line by calling me at work. We are not supposed to take or get personal calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: Hauge Associates, Inc.
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
During this period I was hospitalized for XXXX surgery, immediately following the XXXX I was transferred to XXXX for XXXX XXXX and remained hospitalized for 5 days. I have XXXX XXXX XXXX XXXX insurance and had met my full individual deductible at which point XXXX covered 100 % of the remaining medical expenses. I have disputed this with XXXX and the collection agency " HAUGE ASSOCIATES INC '' The Hague Group XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX and they refuse to remove this from my XXXX credit report. I do not owe this debt and feel as though I 'm being extorted to pay before they remove move it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/XXXX, XXXX issued a credit card to a thief in Florida. I live in NJ, never live in FL. After I called XXXX, I faxed a file and sent 2 mails to dispute it. the documents included NJ driver license, home equity loan bill with NJ property address, and my NJ utility bill to prove that I never live in FL. XXXX did not have any response. I hired a lawyer to send similar document to XXXX  & Equifax in XX/XX/XXXX and XX/XX/XXXX. These 2 companies completed investigation without any change. Equifax even did not remove all of FL addresses generated by thief. Even credit unions ' report along shows 3 evidences that XXXX and the 2 report companies did poor job.

1. Credit report shows 2 reports from XXXX for the same fraud account. One report shows every payment is OK. The other one shows 4 late payments. Two reports show opposite results.

2. The account had more than {$3000.00} balance in XX/XX/XXXX. I don't think that the thief would pay the balance. The balance is XXXX since XX/XX/XXXX. XXXX was cheating on this balance. 
3. XXXX 's report made credit union companies believe that I paid off the balance, so that the fraud account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: AL
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The bill is not my responsiblity which i have stated once before it is in my brothers name due to he is the patient i am not resposible in any way shape or am not paying on it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Talbot, Adams, & Moore, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This collector is reporting a debt that I have no knowledge of to the credit reporting agencies ; I have disputed the debt, first with the credit reporting agencies and then have sent this collector a request for proof of the debt via a validation letter submitted under the FDCPA, both with no response other than continued reporting of the account to the credit reporting agencies. The account did drop off of XXXX, however is still reporting on XXXX. I have attached the validation letter, sent on XXXX/XXXX/16, to which they did not respond. Per FTC Opinion letter, the reporting of a debt to a credit reporting agency is a collection activity, therefore this collector has violated the FDCPA by continuing to collect on an account after receiving a validation demand but before providing the requested proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Blitt and Gaines filed XXXX lawsuits against me without my knowledge. They did not send me any information of a verification of the debts or any validation notices. I did not know about the lawsuit in first case until I received a settlement letter after I contacted them for a XXXX XXXX account at the direction of XXXX XXXX in attempting to get a loan modification. The second lawsuit was mentioned in a response to a CFPB complaint. These are illegal tactics and on the internet you can see endless complaints occurring from this company. If XXXX XXXX had not directed me then I do n't know what they would have done to me or still might be doing to me since they are deceptive in their tactics. I will be a XXXX in a few years and I understand this can be ongoing for many years to come. I also do not have information of the outcome of either of these lawsuits from either Blitt and Gaines or XXXX XXXX, since no one ever sent me any correspondence in the mail. Furthermore they never sent any information of the actual debt they are suing me on, to prove that they actually have the right to sue, what the fees and charges are, how the breakdown is, etc. I have been trying to get information from XXXX XXXX since approximately XXXX, 2015 and there has been no response to any of the information I have requested in detail except for general repetitive form letters.

Company response to consumer: Closed
Consumer complaint received 2016-10-16
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Chase has royally messed up. I signed up for Auto-pay at the initiation of my Auto Loan and I was given a slightly reduced APR because I was enrolled auto-pay. Apparently, Chase calls this program " Paymatics ; '' however, they never used that terminology in the loan origination documents. I signed up for Auto-pay, not " Paymatics. '' With Paymatics, Chase wo n't generate billing statements. How is this even legal? When I signed up for Autopay ; I did not waive my right to a monthly statement. I attempted to resolve this matter with the bank, and nobody seems to care. I spoke with a XXXX XXXX who claimed that they do not staff supervisors on the weekend. Being one of the largest banks - if not, THE largest Bank ... how can there not be a Supervisor available?? XXXX transferred me to some other representative, who stated that they are de-enrolling me from " Paymatics '' but Ill still be enrolled in Auto Pay .... She said that since im no longer enrolled in Paymatics, Ill recieve monthly billing statements going forward ... and that Chase will generate monthly billing statements for the previous months that I 've had the loan. I doubt any of these statements are true.. And I did n't want to discontinue my auto-pay because I am no longer elligible for monthly billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Collections Acquisition Company, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
they refused to provide the address and contact information of the original creditor, just the XXXX and no other info ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have submitted a dispute to TransUnion regarding duplicate accounts on my credit report. 
XXXX is listed on my credit report twice. Please advise why the same information is on my account twice and lists the same information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation