BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing to express my disappointment with the experience I had with Chase Bank on XX/XX/XXXX. On that day, an account hold/levy was placed on my checking and savings account in the total amount of {$4700.00}. I spent the morning on the phone with Chase 's legal department/levy department and was told misinformation several times about whether they received the letter from the company who placed the levy, Texas comptroller , on whether it would be reversed or not. 

Despite speaking with the Texas comptroller and having them escalate the issue on their end and fax the document over on XX/XX/XXXX at XXXX, Chase Bank failed to receive it. I waited until Monday to give Chase Bank time to receive it, but when I spoke to XXXX in the levy department on XX/XX/XXXX, she stated they had not received it. 

Texas comptroller emailed the fax confirmation for XX/XX/XXXX along with the documents as XXXX advised I go to a branch and have them fax it in to a completely different fax number which would " escalate the process, '' but two business days would still be the turn around time. I explained to XXXX how the error of them not receiving the fax should not fall on me and if they could backdate or expedite the process as it is their system error or not receiving this. She explained that is not something she could do, to which I asked to speak with a supervisor. 

Despite requesting to speak with a supervisor on XX/XX/XXXX at XXXX, I did not receive a call back. I followed up at XXXX, and XXXX was able to find the document and stated there was nothing else to be done. However, when I asked for her manager 's name, she told me she could not give out personal information such as a last name or a good business email to reach her at. She was rude and unprofessional along with lacking complete empathy. 

After reaching out to other departments, I was informed that Chase Bank 's levy team customer service reps would be the only ones who could assist me. However, after 48 hours wasted on Chase Bank not having proper procedures for their fax machine regarding such important matters, I feel lost as if anything will ever be resolved with them. 

I hope that you take this matter seriously and look into the issues I have raised. I expect better from Chase Bank and its employees, and I hope that something can be done to rectify this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-28
Company: Statebridge Company
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This Statebridge XXXX has hired an attorney to foreclose on my home even though they have a XXXX mortgage and I have a first mortgage. I talked to someone this week by calling myself as I received a letter from their attorney that stated if I want to try to resolve this to call their number at Statebridge. The lady I talked to was very helpful told me to send my first mortgage statement to loss XXXX and that I want to request a loan modification. Which I did XXXX days and had no reply so I then called. I spoke with XXXX was contradicted himself several times as I am sure the call can be pulled and verified then he stated XXXX is my rep and would call me back after the investor reviewed it and would probably be next week. Now XXXX calls today and he stated he was told to call me so I am assuming he has information for me as XXXX stated nope so I had to tell everything again and he states he does not see my email even though XXXX did say he seen it in the system with my first mortgage statement attached and there is nothing they can do even me telling him what the attorney letter said to call them for a modification plan. XXXX also stated back in the summer they called me every day with a blast campaign which is untrue or if they did call no messages were left and I would like to see proof of where they called me every day and left a message This company all XXXX people told me something different no one knows the same thing so I do not know what to do or believe. XXXX finally gave me the attorney phone number to call and said they would have to help me but XXXX states they would not help me and would refer me to them. This is ridiculous that no one will help try to resolve. Still today if I had not called NO ONE has tried to call me and has had a conversation with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/22 I sent Experian a letter by certified mail to remove XXXX inaccurate addresses that's currently reporting in my Experian credit file. Experian also disregard my request to send me credit reports to my physical address once an account is updated or a credit report is requested to be sent out.

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 2022-06-15
Company: EQUIFAX, 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:
I acquired a copy of my report in XXXX dated XXXX and I found out that Equifax still indicates my dispute of information in my credit report. As of todays date, Equifax has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX BANK XXXX because I believe it was reporting in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Bridge It, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I had used their lending service paid off my loan. There is a {$9.00} subscription fee for using the service. When I went to stop the subscription, I tried to log into the app but it kept getting stuck at " reviewing bank information '' as it was loading. I tried to login on the website and got the same message. I reached out to their customer service who said it may be an issue with their connection provider, XXXX. Now I have connected my bank many times with XXXX  to no issue, before and after this incident. I told them I was still being charged and wanted to make sure my account was in order so I could close it. They said to try again later. I tried a few days later but it was still happening. Another customer service agent removed my bank info and had me try again. The same issue occured. I asked for help and they kept blaming it on XXXX and said try again later. I tried again a few weeks later after not only trying to ask them for help but also after seeing I was still being charged the subscription fee. This was probably the XXXX  month in a row. I asked them for help and they finally just canceled my subscription. No offer to refund me or care. I asked why I should accept this and not report it. They just replied that my account was closed and good luck!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has 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 also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Between the dates of XX/XX/XXXX-XX/XX/XXXX, I have filed and sent several letters to the credit reporting agencies of fraud accounts. I have submitted copies of police reports and identity theft affidavits. The fraudulent accounts are ( 3 ) XXXX XXXX  accounts, 2 XXXX XXXX accounts opened XX/XX/2016 with balance of {$900.00} and account opened XX/XX/2016 with balance of {$460.00}, Account with XXXX XXXX, and account with XXXX XXXX. I recently filed complaints with all said companies for reporting inaccurate information. However XXXX  and Transunion both are still reporting these accounts after several communications with them that I never opened any of these accounts.

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 2021-10-03
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My loan is almost paid off my payoff amount as of XX/XX/21 is {$1600.00} while my principle balance is {$910.00}. I am being charged excessive fees and have been through the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a certified letter each credit bureau challenging the bankruptcy as incomplete/inaccurate/false information on my credit report. The bureaus didn't complete an investigation or Mark the item as disputed, as required by the fair credit reporting act.

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 2017-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have submitted a complaint about my credit report however I have not received any changes. There are tax liens as well as inquiries that do n't belong to me. I have no knowledge of this debt. Please help me! I am furious!! Take them off!! State lien paid in released XXXX XXXX XXXX State lien XXXX XXXX XXXX State lien XXXX XXXX XXXX KY higher 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 Inquiries that were not authorized! XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX city of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX identity rise consumer info Please Remove them immediately!! It should be illegal to report items that do not belong to 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 2017-07-20
Company: Ditech Financial LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Through XXXX I received a trial loan modification from DiTech which began in XXXX, 2017 and successfully completed my payments in XXXX, 2017. I have been waiting since the completion of my final trial loan medication to receive my finalized loan modification documents. XXXX, XXXX XXXX XXXX worked with a XXXX . XXXX in DiTech through this process, however in XXXX, 2017, DiTech forwarded to me through their attorney Default asking for the amount that I am paying through Chapter XXXX. I have been current and so they withdrew those documents. Now they are refusing to forward me my finalized loan modification documents. When I got the loan modification I was told by my bankruptcy attorney and XXXX that my payments to the Trustee would be reduced or cancelled once I received the final documents. DiTech after months of trying refused to speak to XXXX and they have my written consent to do so, and they refuse to speak to me. When I call they tell me that they are still working on the documents. When I ask how long its going to take or why is it taking so long, they wo n't answer and try to brush me off to the loan modification unit which only transfer my call back to the bankruptcy unit. My attorney called them last week, on the XXXX to be exact and was told that I would receive my documents when I made my final payment in XXXX. I never received any thing from DiTech informing me that they had changed my trial loan modification documents and when I contacted XXXX XXXX of XXXX they had no knowledge of this either. So I immediately called them back and they informed me that they were still working on the final papers. They had no problem sending me a Default notice to foreclose on my house in XXXX, which they withdrew once XXXX and my attorney got involved and we sent them copies of the trial modification submitted by them. They have made it virtually impossible to live. I pay the trustee XXXX per month and them XXXX. So they are collecting monies from the trustee which should be stopped because those amounts were added to my trial loan modification, plus my monthly mortgage which increased from XXXX to XXXX. I ca n't afford my medication, to buy food, pay my utilities and if the Federal Government was n't paying my transportation costs to and from work, I would n't be able to get to work. Please make them forward me my final loan modification papers. They are illegally getting money from the Trustee and me and they have gone up twice on my mortgage since I 've filed bankruptcy and my homeowners payments decreased by XXXX. Please help me. Thank you. PS I won several class actions suits, though not a lot of money, for predatory lending and submitting false balances on my account, like they did to others. Please help, I am XXXX and need my medications or I could die. I have XXXX XXXX XXXX, XXXX, and some other aliments I would like to keep private.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I paid Wells Fargo {$690.00} on XX/XX/2021, as part of a refinance application. An appraisal was done on my home. Since applying, it became clear that Well Fargo was not going to be able to complete the refinance, so I switched to another lender. The new lender needs the appraisal, proof of payment, and AIR certification ; Wells Fargo will not release the XXXX  two, making the appraisal unusable. I have a XXXXday rate lock with the new lender, so there is a time constraint here. The new lender insists Wells Fargo is legally obligated to release these items ; Wells Fargo disagrees. Obviously, I cant afford to sue Wells Fargo. Please help.

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 2022-06-15
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX has 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 also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX has 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 also states a consumer reporting agency can not furnish an 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 2018-02-09
Company: ZWICKER & ASSOCIATES
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was behind on all of my bills and needed to fix my credit card issue. I had recently moved into a new home and things needed to be done, one of those things was a fence for my yard because my dog ran out and got hit by a car and XXXX. So I contacted XXXX XXXX XXXX for help, I thought finally I can rest because I thought they were going to handle everything,They first told me to STOP making my payments and change my address and phone number to theirs, So that is what I did and this eventually wound up to XXXX sending all of the info to XXXX XXXX XXXX and I didnt know anything about it and I thought it was being handles until I was served with lawsuit papers. I even called XXXX and asked that they place this account ahead of my other accounts and they told me they would need $XXXX more, So thats what I gave them in addition to my regular payment so they can get this resolved. Needless to say they never resolved it and it got turned over to a law firm named Zwicker and associates. I made payment plans with them That were automatically taken out of $XXXX bi-weekly. I was never told that I had to contact them again to set up more payments. I thought this was already taken care of as I set this up with Zwicker for an auto deduction, I looked online at the XXXX XXXX   court records yesterday XX/XX/18 and found that they were placing a lien on my bank account and never notified me by phone or mail that I had to set up payments again or that they were placing a lien on my account.I called and tried to get back on a payment plan and they advised me that I could not do this until I had $XXXX for them to even consider taking the lien off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: DE
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has 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 an 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 2018-03-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XX/XX/XXXX, I received a notice from one of my credit monitoring companies, stating that a bankruptcy that I had disputed with the credit bureaus, had been removed from my credit report. On XX/XX/XXXX, I printed out a copy of that report. On XX/XX/XXXX, the credit bureaus added the bankruptcy back my credit report, as a new bankruptcy, without notifying me within 5 days. Violating the Fair Reporting Credit Act ( FCRA ) 611 ( 15 U.S.C. 1681I ) ( a ) ( 5 ) ( B ) ( ii ). You will see from the  documents I submitted.

Company response to consumer: Closed with explanation