BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.

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 2019-02-22
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: Account status incorrect

Complaint:
Acccont information is being reported incorrectly

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 2017-08-30
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted several times by Midland Credit Management about a credit card debt. They repeatedly called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not provide them with my current telephone number and do n't know how they retrieved it. They are harassing me to take me to court or other legal action if I do not pay them. The balance they are claiming I owe is {$930.00} for a XXXX credit card. The initial credit amount was {$600.00} and they are charging me extra. I called and spoke with someone on Monday XX/XX/XXXX. I tried to setup a payment arrangement for the {$600.00} but they would not remove the extra charges. I was only given an option to pay the balance in 2 payments and nothing else or I would be sued. They also sent a letter to an address I did n't provide them with. It is not even someone I 'm related to where they sent the letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: TRUIST FINANCIAL CORPORATION
State: TX
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 provided the following information and I got a generic response. 

" I applied and was approved for the Truist XXXX XXXX. When I received it I had issues registering for online banking and the account was locked. I talked to the fraud department and when they tried to verify my information against the phone carrier, they claimed that my name does not match. The phone bill is under my name and I've used this number for 12 years. The lady I spoke with said that I had to call XXXX XXXX XXXX to have them change what it shows in their system. This is the only banking institution I've had issues with when it comes to verifying my number. I was told that until the carrier shows my name on Truist side, they can't unlock my account. '' I DO NOT have a problem registering for online banking. I have a problem with the card being locked and I'm unable to use it. Truist can't verify my identity with a phone I've been using for over a decade. I don't want to go to a Truist branch or deal with anyone there. It's ridiculous that Truist only relies on phone billing identity verification and doesn't offer an alternative such as questions from credit reports and public records, etc. I should not have to go to be inconvenienced and have to drive to a branch.

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 2020-06-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid the debts through XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/24 ( see attached evidence ) HSBC Recovery Department admitted the debts was cleared ( XXXX - XXXX ) bank didn't updated the balance, never provide a statement to show the debts was cleared. which seriously impacted my house purchasing loan approval.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-25
Company: LD Holdings Group, LLC
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Loan depot called me, at work, and said they were calling me regarding my inquiry online for a loan for property located at XXXX XXXX XXXX, XXXX, Tn. I explained to them that I have n't applied, inquired or anything else for a loan. He said the request came from email : XXXXXXXXXXXX. They called me last week also but did n't give me any information until today. What do I do next?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Credit determination

Complaint:
I have a credit card from Chase Bank XXXX This account was closed as of XXXX/XXXX/XXXX. 
Chase is reporting this account late and in default. 
I had filed a complaint in XX/XX/XXXX, and Chase the resolved the issue then, but i=t still keeps on showing up on my credit report. This has caused irreparable harm to my financial situation, and i am demanding that Chase remove the negative information immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have sent letters to the buro for more than 90 days, they have never responded. I have not received mail at home.

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 2022-07-22
Company: EQUIFAX, INC.
State: FL
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 have sent letters to the buro for more than 90 days, they have never responded. I have not received mail at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a senior citizen and just refinanced my home and used the equity to pay off debt. The escrow company issued a check to me so I could mail my payment of {$2100.00} to XXXX XXXX XXXX ( Comenity Capital Bank ), which pays my account in full. After a week, my payment did not show up on my account. I called them, they said they didn't get it. I waited another week and sent them a message and a copy of the check I sent them. They sent me a letter saying they would investigate the dispute. 

I called the escrow company a couple of days later and they said the check was cashed on XX/XX/XXXX. I sent another message to the credit card company and attached a copy of the canceled check to prove it was cashed. I did not receive a response. 

I called them today and waited almost 40 minutes to get a customer service representative on the phone. Although she was polite and professional, she said it had to go through a dispute process! XXXX

I asked to speak to a supervisor and waited another 22 minutes for him to get on the phone. He was very rude and mocking and said it had to go through a dispute process and would probably take up to 90 days. 

I am totally being jerked around. I have given them proof that the check was cashed. 

Please advise. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I authorized {$1.00} to XXXX third party account but later {$99.00} was withdrawn from my checking account. Dont know how it happened

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have request validation of this account many time and never received it Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] from XXXX XXXX and have notified Trans Union of XXXX XXXX noncompliance I do n't know who this account belong to. This is how Trans Union report this account. I ask that this account be deleted from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: FL
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 have sent letters to the buro for more than 90 days, they have never responded. I have not received mail at home.

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 2017-05-22
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: Investigation took more than 30 days

Complaint:
I have provided both Equifax and   XXXX   with police reports and affidavit from the FTC they have stated the information provided was not good enough to investigate these accounts. I submitted documents in accordance to the FCRA and they have refused to adhere.   They are stating that the police report or affidavit has t o be signed by an officer, when the police department has accepted the report and provided a verifiable police number online . If the CRA is doing a proper investigation they will be able to verify the police report number through the  XXXX  Police Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Chase Bank Mortgage representative on a recorded call to Chase Bank XXXX XXXX ( XXXX TX ) Branch Employee stated 'there was a process in place by which an heir simply completed paperwork to assume complete and full responsibility for a mortgage with no need to qualify or pay fees '. Chase bank has admitted to finding these recordings and that there is 'at least partial error ' on their part ' and now they want me to attempt to qualify for this loan while they 'see what they can do ' ... 

Based on this information from bank employees from the bank holding my mother 's hoarded, underwater loan, I proceeded to do much work to bring the property back up to value. Work and funds expended included 10 days of assistance by many of my mother 's friends removing items to good will/ other nonprofits, renting large dumpsters and exposing these friends to an environment that the homeowner 's insurance policy claim team deemed Hazmat contaminated. Moving forward to process the homeowner 's policy insurance claim, which included subcontracting o a Hazmat trained cleanup crew and special waste truck for some of the debris. Then moving forward from a gutted property to beginning to restore the property ( all while Chase STILL managed to find reasons to withhold the insurance check in an escrow account! ) This meant withdrawing funds for my mother 's ( now beneficiary ) IRA and accruing taxes and penalties and fees to have the funds to pay the contractor. Now that the property is improved beyond original, Chase comes forward to say there was a mistake & they are sorry ... Sorry does n't fix a broken plate once it hits the floor. You are either pregnant or you are not so there is either a CHASE error or there is not! I would not have endured all the stress, subjected my mother 's friends to the environment, been hospitalized with XXXX, much less spent this huge amount of funds for a 'long term retirement investment ' had Chase simply told me the truth! I would have walked away & allowed them to foreclose on a property that was worth less than half the loan!! 


I have additional questions regarding [ predatory lending as I am curious how my mother, an XXXX deceased military widow whom was retired and unemployed could qualify for thes loan with a XXXX balloon payment to occur 40 years later - when she would be over XXXX years old!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX and XXXX XXXXXXXX XXXX are reporting me late when Im not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was with XXXX mortgage. I signed all my docs with them with no escrow included, I was paying my taxes every year plus my home insurance no payment missed. I have all documents to prove. My mortgage payment was {$1000.00} every month. 4 months ago I find out PHH mortgage bought out my loan. Loan number XXXX Name XXXX XXXX Address XXXX XXXX XXXX XXXX TX XXXX. My dir number XXXX. I have been with these people almost 4 months. These people added escrow to my account and raised my monthly mortgage payments to {$2200.00}, even there is no escrow shortage and provide them all the tax docs I paid last year and this year. I sent all the docs they needed to fix my account. These people sitting in a different country committing fraud to a consumer. I have been paying over for the last 4 months, communicating with these people almost 4 month but they dont listen. I would go legal if it dont get fix soon. I want them to fix my mortgage payments back to where it was and refund my amount I was paying um for last 4 month asap,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Granite Bay Acceptance 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:
On XX/XX/XXXX17 I mailed a request to remove an unauthorized inquiry from my credit report to the company and they have failed to respond. I mailed the inquiry to the address in which they provided to the credit bureau that provided me with the report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Block, Inc.
State: AR
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:
On XX/XX/22 I booked an hotel and checked out on XX/XX/22. I contacted the hotel and they stated the release has been lifted & the funds shouldve been returned by now. I contacted cash app on XX/XX/22 at through out the day on chat and then by phone at XXXX and I were then left in a incomplete chat and then phone call I were left on hold and kept being asked to hold for close to 45-50 minutes for the cash app representative to repeat where they left off in the chat of asking me to supply the receipt from the hotel of XXXX. I gave them what the hotel supplied me and they refuse to settle the hold on my account because it does not have the last 4 of my card number on the XXXX receipt. Then also complained about the receipt legitimacy of the logo of the company. In which I feel accused of wrongly submitting a document that they refuse to verify with XXXX and ask for their own copy to determine legitimacy ; instead making me as their customer out to be wrongfully accused. The hotel also stated that they have no control over the receipts of the company supplies to its customers & they too have to abide by HIPAA compliance by not supplying generated receipts with sensitive information on them. Also Cash App advertises that 1 - 3 business days is the time where transactions is then returned. I have been told by a cash app representative of 14 days in which under the screen shots I have supplied it clearly states 1-3 days. Cash App is falsely advertising on their processing with their bank, no bank has ever asked me to provide receipts when I visually used their card to purchase, then after supplying the receipt its told its missing information/invalid when no one but XXXX company can decide what their receipt says/are the only ones that can validate their customers stay. Cash App stated they are refusing to settle my refund & stated they will take longer to process. This is unrightfully holding money of customers and should be investigated ; with poor service. Also advertising conflicting criteria to its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: EQUIFAX, 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:
HELLO, MY NAME IS XXXX XXXX XXXX  AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY SOCIAL SECURITY AND ID TO OPEN THE FOLLOWING ACCOUNT IN MY NAME:XXXX XXXX XXXX XXXX (XXXX XXXX) Account number XXXX the amount is $XXXX Opened XX/XX/XXXX 2014.  I SENT THEM A COPY OF THE POLICE REPORT IN WHICH I HAVE ENCLOSED, ALSO FTC IDENTITY THEFT REPORT (  Thank you for reporting identity theft to the FTC.Your reference number is:XXXXIALSO SENT THEM AN NOTARIZED IDENTITY THEFT AFFIDAVIT.EQUIFAX STARTED MY INVESTIGATION ALL OVER AGAIN, EVEN THOUGH THE 30 DAY TIME LIMIT WAS EXPIRED. SO THEY ARE MAKING ME WAIT ANOTHER 30 DAYS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14
Company: Consolidated Recovery Group, LLC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a collection charge on a non existent debt. Their client, who placed the account with them, forgave the debt when their equipment was returned to them. They have refused to remove this from my credit in order to extort money from me. This is an unscrupulous company and should be fined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Identity stolen on XX/XX/XXXX Multiple at least 5 credit inquires to experian XXXX XXXX and XXXX Multiple cards attempted to be opened with the above XXXX XXXX successfully created a XXXX XXXX XXXXt XXXX  on XX/XX/XXXX, but I detected it and was able to cancel the account XXXX XXXX XXXX card attempt XX/XX/XXXX card attempt identified as fraudulent XXXX XXXX XXXX XXXX attempt XX/XX/XXXX identified as fraudulent US postal service on XX/XX/XXXX entity tried to forward my mail to a different address All credit union agencies notified accounts frozen and fraud alert placed The criminals created an experience account in my name ( providing their own email and address ) prior to XX/XX/XXXX and were able to unfreeze experian on XX/XX/XXXX until I reached experian and permanently froze the account

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are fraudulent account on my credit report that I did not file.

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 2015-11-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was a customer at chase bank, I recently found out that someone had been trying to hack into my account. I 've gotten emails from the bank saying that there was a large amount of money goin into my account, it seemed weird, a couple of days later I noticed that my own money that was already in my account was starting to disappear and that 's when I went to the bank to find out what was going on. The young man that I spoke to be told me that someone was trying to deposit fake checks into my account and by them doing that they froze my account and they also told me that I could never open an a account with them again nor could I take my money that was left in there. I felt like that was n't right I should n't be punished because of what someone else did and you telling me I ca n't take the remainder of my money! I work hard for my money and for you to just take it away like that was not right and now I do n't know what else to do, so I 'm hoping you guys can help me to fix this problem.

Company response to consumer: Closed with explanation