BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Per CRA dispute in XX/XX/XXXX with the following USPS tracking numbers XXXX. XXXX XXXX XXXX XXXX XXXX Certified Mail Receipt and XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking numbers and XXXX Disputed Item Number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Certified Mail Receipt and XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking numbers and EXPERIAN Disputed Item 1. XXXX XXXX XXXX XXXX XXXX Certified Mail Receipt and XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking numbers and XXXX Disputed Item XXXX 15 U.S. Code 1681a - Definitions ; rules of construction Even though the above CRA reported all disputed items were 100 % accurate, I believe most information and investigation process was one-sided and not fully in complaint per the following ; The term investigative consumer report means a consumer report or portion thereof 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 information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Since15 U.S. Code 1681a states clearly that " my consumer report shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer '', then it means that most of these information are not accurate and should therefore be classified as inaccurate. With not prejudice, my CRA investigation and information obtained from XXXX source, especially creditors is not accurate. 

Question ( s ) to the above CRA : How was the investigation conducted Who did the CRA spoke to How do you know these information is accurate per cyber security bridges and gaps where my information had been compromised and notified by the XXXX XXXX XXXXXXXX as a former XXXX 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 2015-10-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
This is in regards to a past complaint I had with Chase bank. Case # XXXX. I have made a dispute regarding the money they refunded and will accept the {$100.00} as a courtesy, but it still does n't justify the remaining {$700.00} something dollars that was overdrawn on my account. Most of the time is was because of the time factors with my payroll check going in 1 hour prior to their allotted deposit time. In that situation I ca n't control. I literally work pay check to paycheck and for any unnecessary means that come out of my bank account upset my budget and most of the times by bills come thought and I do n't have enough money after the " fees '' to cover them. They say " we can only refund back so much '' so what they can live off of low income families with all these fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Riverwalk Financial Corporation
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My husband and I ( We are elderly, both XXXX, and often the victim of scams ) keep getting letters from Deville Asset Management LTD that they owe XXXX that does not explain what it 's for, but demanding payment. We have no idea what it is but are very concerned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-10-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened up a highschool account for my daughter. 2 years ago it was changed to the regular checking account. I was not given any reminders when it changed over, as to am I still linked to her account. In XXXX my daughter started school at XXXX. She received an email through the school where someone offered her a job which turned out to be a scam. While the checks were pending my daughter asked that the checks be stopped by Chase who refused.

Chase decided that they were going to make the checks available in good faith, so by daughter dispersed the checks that was deposited into her account before she realized that it was a scam. My daughter and I contacted Chase about XXXX times concerning this issue. We were told that they were locking her account for 10 days to see if those checks or others were going to through. 
Also we were told that the if she didn't pay the {$2600.00} overdraft within that 10 days that they were going to close the account. The last conversation was on XX/XX/XXXX. I looked at my account on the XXXX and found that the money was taken out of my account without prior alert. First I feel like there should have been some type of letter to let me know that I was still connected. Secondly we were lied to about what was to happen with the account. Thirdly I think that it's fair that I get my money back and contact made to my daugter to make arrangements with her to pay the money. That money that was taken out was for home improvements that underway.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: State Collection Service, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This concerns a debt reporting by XXXX and the University XXXX. 

It began with an attempt to collect a debt that I had paid in the amount of Apporx. {$70.00}. I submitted my proof. 
Then somehow with out a billing XXXX sent notices that {$38.00} ( approx ) was due with NO PROOF. Just letters. 

I spoke with XXXX today upon learning that they had reported the {$38.00} to the credit reporting agencies. This XXXX item has signifiicantly effected my score. 

So I asked XXXX if I were to pay the bill would they asked that the {$38.00} be removed. They said no. I aaaked to speak to a supervisor and was sent to VM. No return call at this time. 


However State Wide told me that there was no bill for the amount they had reported to the Agencies. And they had no bill for this amount came from their client, The XXXX billlinh system in convoluted and difficult to follow. The bills dont carrry an account number or an invoice number that you can track. Each bill, even rebills all carry a separate " MRN '' number.You are not sure where rhe bills, some the same amount, are rebill and separate billings. 

The XXXX billing / collections staff are unhelpful. Some work at home. i received a call from a XXXX employee at XXXX on a Saturday morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: The CBE Group, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is in regards to two ( 2 ) each cable boxes that were returned in XXXX when we stopped using their cable TV service. We continued with the cable internet ( no leased equipment ). 

The cable boxes were returned to XXXX  at their XXXX Indiana location. 

For approximately five ( 5 ) years I received no communication from XXXX or anyone else regarding any equipment or any other issues until we sold the house and stopped using any of their services in XXXX of XXXX and moved internationally. 

I have spoken to XXXX and explained to customer service about the return of the cable box. 

I have no intentions of paying this, I complied with return instructions, If XXXX is unable to properly record returns it is their problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We could not maintain employment in XXXX ( now in XXXX ) and could not make the payments on our house. We sought help from every resource available, HARP, HUD, PFS and relators among others. We attempted to execute a short sale on 3 different occasions and Chase bank deferred in each instance until the buyer could wait no longer. We contacted Chase several times regarding each of these contracts of sale but they would not respond. We also contacted Chase and asked them to supply the original documents to illustrate their proof of ownership and again they did not respond ; as we thought that perhaps that might be the reason they did n't process or acknowledge the contracts of sale. We completed the required change of address with the U. S. Postal Service and all mail was forwarded to our XXXX address. We also provided the same information directly to Chase. The contracts of sale were also constructed to cover our delinquency of community association dues. 

The short story is that Chase foreclosed on the property via a third party and subsequently purchased the property themselves via the same. Although the transaction history they supplied in the foreclosure documents indicated documents were mailed informing us of the auction and foreclosure, they were never received. The only document we received was the final foreclosure document, followed by a subpoena to address the delinquent community association dues ; as these were not addressed by Chase. Also, Chase 's final purchase price was well below any of the contracts of sale provided to Chase. 

We can not afford to pay the almost {$3000.00} of delinquent community association dues. We feel this was a deliberate action by Chase to ignore the contracts of sale and then purchase the property leaving us with the fallout. Our opinion is that this does not even pass the smell test. As our court date is about a month away, we would very much appreciate your immediate assistance so as to not incur additional cost. Thank you so very much for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have a file with Ocwen, and informed them on XXXX XXXX that their is a Auction from the HOA. Every time we call, they play dump and act like they do n't care, I have informed the XXXX attorney who informed their contact, the payment is due now. They requested info that was emailed on XXXX XXXX and XXXX. Auction is Friday the XXXX of XXXX. 
The mortgage is a XXXX XXXX XXXX.

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

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-08
Company: AFNI INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
AFNI is reporting a account on all XXXX of my credit reports. XXXX, and XXXX. I have disputed this account with all XXXX credit bureaus and AFNI several times, and requested investigations. All XXXX credit bureaus informed me that AFNI verified and confirmed that the account belongs to me. I have not received any proof or documentation from AFNI that confirms this account belongs to me. I also submitted copies of the police report indicating that my personal information such as Social Security Card, Driver 's License, Birth Certificate, and briefcase that held all my credit cards, debit cards, and check book was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am not able to access my bank account. I received a letter from XXXX that says I owe {$1800.00}. I was a victim of check and bank fraud. I was away at school and a guy I knew said his brother was sending him money but he did n't have a bank account so he asked if the money could be wired to my account. I agreed because I did n't know the guy was scamming me. I never saw a check or signed a check. I just withdrew the money out once I saw that it had posted to my account. I thought that because it posted and showed available that it was ok to take out. Once I took the money out I turned it over to the guy and he gave me {$500.00}. I still did n't think anything of it. I thought I was helping someone out in need. I found out later that this happens to college students all the time and that I should have been smarter. I think this guy came after me on purpose because I lost my wallet with all my ID and other personal information in it. I believe he found my wallet. Please let me know how to clear this up?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
1. I have been un-successfully trying to submit a dispute for all XXXX XXXX union auto loans as agreed to by XXXX in the attached e-mail. Also the history records, and the entries need to be taken out of " potentially negative '' results. There are XXXX separate accounts2. I have been unsuccessfully trying to get removed the XXXX collection account, " recovery '' item also agreed to by XXXX to remove in the attached e-mailThank you for your helpXXXX XXXXDOB : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX : XXXXXXXXXXXX : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
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: Account status incorrect

Complaint:
The department of education is now showing the account as open and past due. This is not my service provider. I have already provide the proof. They are influencing my FICO scores at two credit bureaus now. One bureau just dropped 69 points. None of information they are providing is accurate. This has been under investigation for 56 days, why have these inaccurate accounts not been deleted? _______________________________________________________________________ 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and88 623 - 15 U.S.C. 1681s-2 ( ii ) the information is, in fact, inaccurate. ______________________________________________________________________ 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( d ) Notification of deletion of disputed information. Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: IL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 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

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 2016-12-23
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Everbank is claiming we have a 2 or 3 month history of late payments when in reality it was the fault of the bank. Everbank claimed we put a stop payment on a check we sent to them. 
I supplied all the bank info to prove there was never a stop payment issued by me or my bank. The bank made several errors that they admitted to but now claim it was our fault. I have been trying to work this out with them for over 6 months now with no success. 
They have asked for lots of info and we supplied it. Then they look into it and then ask for the same info again as the file or whatever was passed off to someone else. 
Most everytime we call we get a different person and have to start from scratch We are trying to get a refi and a equity loan and due to the erroneous reporting we are being denied. This situation has caused us much grief, lost time from work, interest rates are rising and without the equity line we are losing rental income. 
We need to have the negative reporting reversed. 
Do we need a lawyer? We can not afford one! 
We need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Andrews & Cox, P.C.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
After an Emergency Exemption Hearing on XXXX XXXX, 2016, plaintiff attorney XXXX XXXX XXXX of XXXX asked to meet with my wife and I in the hallway. When we asked the questions, " Why did we not know about the lawsuit? '' and " Why does n't your office return phone calls? '' XXXX XXXX got very defensive and told my wife XXXX XXXX XXXX, " I know what you do for living. I can have you arrested for calling my office. '' XXXX went on to ask about all of the complaints filed against them from the XXXX Office, to which XXXX XXXX stated, " I 'm licensed in XXXX states. You have no idea how powerful I am, I know people and I know where you live. You better be watching over your shoulder. I WILL hurt you, and destroy your business ''. XXXX reached in her bag for her phone, and he tried to take it out of her hand. When she turned to avoid his grab, XXXX XXXX tried to grab a folder out of my wife 's hand, which contained the complaints. She backed up and told him not to touch her or her things. So, he grabbed her wrist and said, " Let me see what 's in the folder. '' XXXX pulled away from him, visibly shaken, and said to XXXX XXXX, " We 'll see you in court. '' We immediately filed a police report with the XXXX XXXX XXXX XXXX XXXX. XXXX # : DP XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation