BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have contacted Equifax on two occasions to verify late payments on a closed account with XXXX that was closed XXXX of XXXX. The first request was by certified mail on XXXX XXXX Tracking # XXXX. My second request was sent certified return receipt on XX/XX/XXXX Tracking # XXXX and received on XX/XX/XXXX by XXXX XXXX. The response received was appalling to say the least, which is supported by the documents which I have forwarded to you. Dates were changed and modified at random, not verified or validated to be true or accurate. Information that wasn't there before was added. Please explain to me how can you verify and report that I was late each month for five months AFTER THE ACCOUNT WAS PAID IN FULL AND CLOSED, and to add insult to injury I am a victim of their data breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notification about a supposed debt from XXXX XXXX in XX/XX/2020 in the amount of {$800.00}. I have sent numerous certified letters to the collecting agency, Credit Collection Services in XXXX, MA requesting validation of the debt under my rights in the FDCPA. To date, I have not received any notification or validation of the debt, only continued collection efforts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Big Picture Loans, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I fell into a bit of a financial bind and took out an installment loan through. Big Picture Loans for {$450.00}. To date I have paid {$180.00} back to Big Picture Loans. 

After doing some research I realized that these companies charged me illegal rates of interest under Michigans usury laws. I immediately revoked ACH authorization. I a letter explaining that I would repay the remaining principal balance of the loans in equal monthly payments beginning in XXXX of 2020. I currently owe Big Picture Loans approximately {$260.00} dollars. Big picture loans refused to oblige at all claiming tribal immunity. However it is my understanding that tribal immunity prevents consumers from suing them and that under federal they still have to oblige to usury laws in respective states. After going back and forth with them via email, the matter was not resolved. In learning from my mistakes, the reason I am filing this complaint is because I refuse to be harassed by a company when I have made reasonable attempts to settle the debt on a payment plan trying to circumvent any potential damage this could do to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: HUNTINGTON NATIONAL BANK, THE
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: Account status incorrect

Complaint:
I recieved a letter dated XX/XX/18 from Huntington Bank that I was turned down for an auto loan not due to my high credit score of XXXX in the letter but that I had been delinquent on a past loan with them. 

I have never had a loan with Huntington Bank I only was on a Deed of a Home that my XXXX solely was on the XXXX with Huntington Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
COLLECTIONS AND XXXX INQUIRY WAS DELETED FROM MY TRANSUNION CREDIT REPORT SO I CALLED THEM TO SEE WHAT 'S GOING ON BECAUSE IT WAS DELETED AND THEN 3 DAYS LATER IT WAS REINSERTED I TALKED TO XXXX IN CUSTOMER CARE AT TRANSUNION AND HE REPLIED THAT THERE IS NO ISSUES WITH TRANSUNION AND THAT I MUST TALK TO XXXX WHICH IS THE ONE THAT IS PROVIDING THIS INFORMATION I EXPLAINED TO THE REPRESENTATIVE THAT I ALREADY CALLED XXXX WHICH IS THE ONE THAT MONITORS XXXX OF MY CREDIT BUREAUS AND STATED THAT IT IS TRANSUNION ISSUES NOT THEM BECAUSE NOTHING CHANGED ON THE OTHER XXXX BUREAUS IT WAS JUST TRANSUNION I ALSO MENTION THAT THEY ARE VIOLATING THE FCRA LAW BECAUSE I WAS NEVER NOTIFIED BY MAIL WITHIN THE 5 DAYS OF THE ITEMS BEEN REINSERTED AS THE FCRA STATED AND HE REPLIED THAT HE COULD N'T HELP ME. I DEMAND THAT THE FOLLOWING ITEMS THAT WERE REMOVED AND REINSERTED BACK TO MY TRANSUNION REPORT BE DELETED AS THE FCRA STATES AS I WAS NEVER NOTIFIED ABOUT THIS ISSUE WITHIN THE 5 DAYS THAT FCRA LAW SAYS THE ITEMS ARE XXXX # XXXX,,,,, XXXX # XXXX,,, ,XXXX # XXXX,,,,, ,XXXX # XXXX,,,,, XXXX # XXXX,,,,, ,XXXX # XXXX,,,,,,, XXXX # XXXX,,,,, XXXX # XXXX,,,,, XXXX # XXXX,,,,, ,XXXX Requested On : XX/XX/2017

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 2019-12-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a call from someone working with ace cash express threatening that theyll find me and sue me, call my job and harass me, call my sister also with threats that I defrauded a financial institution and that I owe money. 
Was pretty much a big threat.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: JPMORGAN CHASE & CO.
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:
In XXXX of 2020, I inquired about an extension on my mortgage with Chase Bank. I sent them an email and said the following, " my hours were cut. Can I have a 30-day extension? Chase enrolled me in a COVID-19 Forbearance Assistance program without me even signing any paperwork. They also added forbearance to my credit bureau status on the mortgage. I never agreed to be on the forbearance program. Now I'm trying to refinance my house, and the new lender needs a letter stating the following : " Provide documentation from JPMCB showing when the mortgage was released from forbearance along with the source of funds used to pay off the forbearance balance ''. I inquired about getting this letter several times, and they still have not been able to give me the correct letter. Since I have not received the letter, it has caused the refinance on my mortgage to be delayed. Chase needs to send me a letter with the information above. I never once asked to be on a COVID-19 Forbearance assistance plan. I simply just asked about a 30-day extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have tried to re fi with  Chase and  they have left me no option but to sell or let the house go back to them. At  XXXX   years old, I can not take this variable. While I did sign for it 10 years ago, they bought it from Wa Mu for   XXXX  on the  XXXX  so now they have a free ride. I now have a lawyer to go with me thru the sale or foreclosure of this property. If they give me reason, I will file a lawsuit for damages. They are ruining my credit along with my ability to live a serene life under their bogus loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX, I became aware that my son had been using my XXXX account. I called XXXX several times notifying them that my son was using my account. They changed my password, but he still got in. They deactivated my devices and changed my password again, but by that time he had my full card info. He got it by going into my XXXX account. He then opened a new account and attached my card to it. I then called the credit card company and told them. They told me that they would put a text alert on the account so that I would know if it had been used. The representative put the alert of the wrong account ( I have two accounts at Citibank -- the one I inquired about and a balance transfer account ). I did not want to close my account as I thought we had managed the problem through the secondary verification/fraud alert and I was about to leave on a two-week vacation in XXXX ( I notified them of my dates to be away at the same time ). While I was away, my son made {$3700.00} in XXXX charges. I called the credit card company again ( this time from XXXX ) and they finally put a fraud alert on my card and assured me that I would be reimbursed for the charges. After that call ( the third or fourth call I made ), every time the card was used, I received an email. If they had put a fraud alert like this on the correct account the first time I called, there would not have been {$3700.00} in charges. 

Also, when I called in before I went on my trip, I gave the company the dates I would be in XXXX. I do not understand how someone using my XXXX account repeatedly in Hawaii did not trigger a fraud alert when i let Citibank know I would be out of the country for 2 weeks. There were XXXX charges on XXXX while I was away -- none of them were made by me. 

Citibank now refuses to refund any of the money saying that I have to file a police report. They have tossed me back and forth. I have spent hours on the phone. One person hung up on me when I asked for the contact info for someone I could write to about this. Customer service supervisors refused to speak with me and refuse to take any responsibility for not issuing a fraud alert when I notified them of the activity on my account. My son is XXXX, but he is also XXXX. He has a severe, diagnosed XXXX XXXX problem. At this point, he can not work and has no ability to pay the money back. No one will be served by putting him in jail. 

The whole thing could have been stopped simply -- if Citibank had put a fraud alert on the account the first time I called in.

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 2017-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The following creditors and Transunion have been and are reporting inaccurate information on my credit report. The following creditors and Transunion have been and are reporting hard inquiries without verifiable proofs of my consents. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to both Transunion and the following creditors asking about the permissible purposes of those hard inquiries and verifiable proofs of my consents. I waited more than 30 days to have the verifiable proofs from Transunion and the following creditors of their inaccurate information and I didnt receive them from all of them. Since neither Transunion nor the following creditors have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries should be deleted immediately. Certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Certified mail sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. The following creditors and inquiries should be deleted immediately are : Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX via XXXX Date : XX/XX/XXXX Creditor Name : Transunion - XXXX XXXX XXXX XXXX Date : 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 2020-06-19
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Allegedly i owe {$920.00} to a credit card in which i never had a credit card with that line of credit. I never received correspondence from this agency that they have an closed account under my name. I found out through XXXX XXXX. The company 's name is Jefferson Capital. I sooke to a representative on XXXX XXXX.They are not abiding under the fair debt collection act, by not sending correspondence. As you jnow this further more hurts my credit, not corresponding. For I am also concerned because they are locate at XXXX XXXX XXXX, XXXX, MN. I reside in New York. I asked for debt validation to see if their proof of license can be conducted in New York. When i asked them for debt validation they did not want to proceded but explain the charges on my account.Please intervene, contact this company. Tell them to delete this from my credit report and seize all collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: CITIBANK, N.A.
State: CA
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:
I received a new master card bill opened in my name addressed to my home address that i never opened with a charge of XXXX $ purchase at XXXX XXXX XXXX which is a fast food restaurant to my knowledge. I called the company " XXXX XXXX XXXX Master Card '' at XXXX XXXX the name on the bill and told them that I never opened the account and it's fraudulently opened using my name and ask them to close it and I'm not paying the balance. Instead they asked my SS #!! .I told them. " Are you kidding me?? why would I like to give you my info when this acct is fraudulent .why would I supply my personal info to close an account after i gave the acct name and account last 4 digit? ..i asked them to close it but they insisted to know my SS # and they werent even interested to know the full acct 16 digits #! I hanged up. I think this company is fraudulent trying to lure people giving their SS #. 
The company name is SXXXX XXXX XXXX   MASTERCARD XXXX XXXX XXXX XXXX AZ XXXX It shows connected with the Citi Group.

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 2022-01-21
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I want to close my checking account with XXXX. I transferred the money out of the account over a month ago and have tried to close it ever since. Every time I call, the hold time is ridiculously long ( over an hour ) and I never get connected. I tried to sign up for a call-back on the website, but it says " no time slots are available. '' There does not seem to be any other way to contact the bank other than to visit a branch, which I can not do because I have a full time job ( not to mention issues regarding XXXX ). It is ridiculous that the company is making it impossible for me to close the account. As a result, they have charged me a monthly fee and I now have a negative balance because they have not allowed me to close the account in a timely manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-19
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!

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 2015-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
When the new debit cards with the chip embedded on them are read on a pin machine with the chip reader, it automatically turns it into a credit card transaction, requiring a signature instead of the pin number, regardless if debit option was chosen. As a customer with Bank of America, my debit card was replaced prematurely from it 's expiration date with this new feature. As an agent for a merchant using the chip reader, I know this means the bank will charge us more for the transaction as a credit card than as the debit. I have discussed this with both my bank, who states the chip is a new requirement and with XXXX XXXX, who handles our merchant services, who states it is the card issuing banks fault. This is another case of banks taking advantage of the client.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had a mortgage with XXXX XXXX XXXX, which mortgage was assigned to GreenTree Servicing, LLC. In XXXX 2015, we received calls from GreenTree stating that our payment had increased and we needed to pay an additional {$36.00} per month ; however, no one could explain why the payment was increased. We were told the taxes must have gone up ( we retrieved the real estate tax statement - no increase ). We were told that the homeowner insurance policy was increased ( we called our insurer - our premium went DOWN ). We requested and received the escrow statement from GreenTree. It states that our payment is based on projected figures and states that our payment increased to {$25.00}. On XXXX XXXX, 2015, I was told that we should have paid to avoid the hassle of phone calls and a bad credit report score. On XXXX XXXX, 2015, I faxed a letter to GreenTree requesting that the phone calls cease and that they validate the amount we owe. GreenTree responded by sending us a mortgage default package. Our regular mortgage payment is paid up to date, as it is paid electronically by our bank.

Company response to consumer: Closed with explanation