BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase Holding Funds On XX/XX/XXXX I went to my home bank in XXXX, Georgia and spoke with the lead teller, -- -- --. I informed her my visit to the bank was because my account was restricted. XXXX asked if I filed as an XXXX or XXXX XXXX. I told her I filed as a XXXX XXXX and that I have a listed dissolved XXXX, to show proof of business since XXXX. As we waited for my documents to be approved, she ensured me that the government was holding my funds. -- -- -, with a very condescending voice, wanted me to know that Chase was not involved in my account being frozen. I informed her ; I was able to withdraw funds on XX/XX/XXXX. She rudely responded, You should not have been able to pull those funds out. I was automatically met with poor customer service and treated like I was at a check cashing business and not my personal bank. 
XXXX -- -- - informed me that the legal department would not accept my documents ( Schedule C, loan documents ) and to call the SBA and ask for an EIN number dated before XX/XX/XXXX. I tried to explain that the Small Business Administration does not assign EIN numbers and filing as a schedule C ( XXXX XXXX ) my social security is my tax ID, which is written, as such on my schedule C. According to section D : Employer ID number ( EIN ) ( see instructions ) If you do not have an EIN, leave line D blank. My business qualifies as an eligible entity under the CARES Act : An individual who operates under as a XXXX XXXX, with or employees, or as an XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Radius Global Solutions LLC
State: NM
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:
Two weeks ago, I reported an account that does not belong to me to Radius Global Solutions, and the FTC identitytheft.gov report for the amount of about {$2100.00} dollars. This account is fraudulent, and Radius Global Solutions has not sent me any communication regarding this issue, and they have not removed this account from the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureau to verify my accounts and the claims to verify but the same information keeps coming up even the names, telephone numbers, employments and inaccurate information. 

In accordance with the fair credit reporting act XXXX  the various account have violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried many times to reach Experian with no response whatsoever. I have no accounts or credit score showing on this agency even though I have many good standing accounts open with different credit card companys and financial institutions. I ve reached out to this credit cards and banks to ask them to report the major credit agencys and their response is always the same. ( We report every month please reach out to Experian ) this is my last resort since Experian never answer phone calls or letters.

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 2021-05-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am disputing my credit score drop in  XXXX  points from mortgage inquiries. According to  XXXX  my on time payments are 100 %, my oldest credit line is 9 years, credit usage is 29 % and my new accounts in the last 2 years are  XXXX  and below average. I have been looking to pull more equity out of my home. I believe its current market value based off of comps is {$150000.00}. I have inquired twice with mortgage lenders,  XXXX   XXXX  and   XXXX   XXXX  . In  XXXX ,  XXXX  and  XXXX     2017 my  credit score was in the  XXXX . In  XXXX  it dropped by about  XXXX  points to about  XXXX  due to a mortgage inquiry on  XXXX   XXXX     2017. I   reached out to the agency to determine why it plummeted so far, and after hours online and on the phone posted a complaint. I did not like their terms or rates and inquired with   XXXX   XXXX   within  XXXX  weeks. I received a notice today from  XXXX   XXXX  indicating my Credit score is  XXXX . My credit wise shows it as dropping  XXXX  points to  XXXX , but will update in a week. I believe there is a major discrepancy and that while my score should have dropped a little,  XXXX  points is absurd. I have included the letters and info detailed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
the loan was modified b y Ocwen loan servicing but i could not make payments on the Loan because they lost my mortgage modification papers twice after approving them .by the time they finally fixed my loan the loan was kicked off by their system.they closed the loan and said and put in my credit report that loan was charged off as a bad debt. they actually sold the loan to another company and I am actually paying on the loan .Ocwen loan servicing  has committed an act of fraud against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I noticed my Citibank accelerated savings account had been closed without any notice. The account held a considerable amount of savings that I built up and contributed to regularly. In the sum of a little more than {$10000.00} USD. There was no email notice. I only received a hard mail notice weeks later that due to a fraud risk they closed my account. 

I called 4-5 different times and spoke to fraud representatives of Citibank but they were highly unhelpful and said I would receive my funds via mailed check within 30-60 days. I asked to speak to a manager and they said they dont have a manager for me to speak to. They all sounded like they were speaking from a script and regularly cut the phone call while I was still asking questions and for help. 

Ive been reading multiple consumer complaints online that have had the same issue and it took very long to receive their funds or still have not received their funds. I am starting to become concerned. Many online reviews are negative. 

Citibank has not been able to communicate effectively about my concerns and I am starting to worry that I will not receive my money back.

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 2017-06-08
Company: First Credit Services Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is regarding account # XXXXXXXXX, which you claim I owe {$170.00}. This is a formal notice that your claim is disputed.
<P/>
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
<P/>
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,   XXXX   and  XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
<P/>
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
<P/>
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
<P/>
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
<P/>
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
<P/>
Sincerely,   XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: VALLEY NATIONAL BANCORP
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: Account information incorrect

Complaint:
I have Never applied for an auto loan with XXXX XXXX, Valley National Bank, XXXX XXXX, XXXX XXXX However, there are two inquiries on my credit report dated for these  lenders all on XX/XX/2017. I contacted the lenders, and there were unable to provide me with proof that I applied for an auto loan with them and gave them permission to pull my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Mid-Atlantic Finance Co., Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: MARINER FINANCE, LLC
State: GA
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 began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus. I have made SEVERAL calls and spoken to several representatives at the company who have ensured me that not only is my account in positive standing and never has been delinquent, it was not shown or indicated to " charged off '' or late EVER!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX, and XXXX was notified and a police report was submitted stating I was a victim of identity theft, XXXX XXXX XXXX {$47000.00} for a vehicle, XXXX, {$300.00} Capital one in the amount t of {$740.00} was also notified. these items are still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.s.c 1681 section 604 A. Section 2 States a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
There is information that does not belong to me and I need this information fixed to prevent further identity theft. I have been a victim of identity theft, thus note the IP PIN I have to use not just to file my taxes.

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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XX/XX/XXXX, i called the courthouse asking do they report bankruptcies to the credit reporting agencies. " The courts responded and said they DO NOT report any bankruptcies to anybody and that i can go to they're website and print off the letter they have on the home page stating that they do not report to the agencies. '' So if that's the case how did the credit bureaus certify my bankruptcy as 100 % accurate. They never did a fair invistagtion according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report " mean a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C 1681 section 602 A. States i have the right to privacy.

According to : 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

And i also want to inform you guys that the credit agencies removed one of the bankruptcies the one from XXXX when i originally filed a dispute threw them and then put it back on my report which i will provide proof in the following documents which is also a violation and also put a change on my report as making it seem i just filed a new bankruptcy with a new case number.

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 2022-04-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a complaint against timeshare XXXX XXXX. I've dealt with their employees whom I can't remember the names of, they have my ID during this time, they all claimed to not work on commission and to be something other than a salesperson. They told me I can definitely make money from this timeshare such as earning rental income, they said I can rent it out ; they also said it had some tax benefits or I can also make money if I re-sell it because according to them, the resale value would go up. Everything were just lies. They also lied about maintenance fees, they told me at some point that I will never have to pay maintenance fees again, convincing me that it was actually a good financial investment. They promised things would be positively different but each time things just keeps getting worse. I felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. They had me in the meeting longer than what they said it will be. It was supposed to be 45 minutes but it turned and cost me almost 3 hours of my vacation. I was never made aware of all the fees involved. I didn't know how to cancel, they never properly educated me regarding their cancellation process, like how many days to cancel and such. I even requested to cancel but never received help from them. This timeshare is just a financial burden that I really can't use, which was different from what they made me believe it would be, using false and misleading statements in order to convince people, it's just plain fraud. They lied and take advantage of people, coercing, convincing us with enticing unreal sales tactics. I was simply defrauded by them.

Company response to consumer: Closed with explanation