BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-01
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
When I joined this bank they told me absolutely nothing about hidden fees for not having funds in my account. There were also fraudulent charges on my account which I am disputing with them as well. I do n't believe I should be penalized for the mistakes of others. I reported the issue as soon as my account was {$0.00} at the beginning of the month. There are particulars that should have been explained to me when I joined. That were n't.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-17
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/21, I submitted a mortgage payment online ( {$1600.00} ). I believed I had turned off the auto-pay through the app, but I turned out to be wrong. I observed in my checking account that another payment was set to clear on XX/XX/21. The app was misleading in my opinion ( I work in the financial services space and still didn't figure it out ). I contacted the company immediately ( XXXX ) before the payment cleared. The customer service rep said she would try to reverse the payment, but, failing that, they would send me a check to refund the duplicate payment. To date, I have still not received the check. I called two times to check on the status and was told the refund check was issued on XXXX. The fourth time I called about this issue ( on XXXX ), I learned they had the wrong apartment number. The apartment number was corrected, and I asked the check to be expedited. The fifth time I called ( XXXX ), I was told that the check went out on XXXX. As of yesterday ( XXXX ), I still have not received the check. This has punched a hole in my finances. I applied for and was granted a forbearance last month. Attached is a screenshot of the misleading app. ( I was told the draft date, which is the payment due date, is different than the period to which the draft applies. The app should simply make clear whether autopay is ON or OFF. )

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 2021-11-17
Company: Bread Financial 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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the creditors and collection agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: Trident Asset Management, L.L.C.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Trident by mail and phone to request debt validation because this does not belong to me. A name that is similar to mine and an address I never lived at being reported on my credit reports by them via  XXXX . I contacted   XXXX   which they let me know the information did not match and that ALSO the date of the account was RE-AGED by Trident. So not only are they insisting on keeping an account that does not belong to be on my credit reports, they have also BROKEN & VIOLATED THE FCRA & FDCPA because they listed it from the time they purchased this account from   XXXX   in   XXXX   and  XXXX  informed me that the account was closed in  XXXX . TRIDENT is under SEVERAL VIOLATIONS and I have sent letters and calls and they have changed NOTHING.
I spoke to a supervisor whom attempted to lie to me and tell me it 's the credit burea fault it 's on my report and to file a dispute in which I have filed MANY and they keep telling the bureaus the information is accurate. At this point, I am going to move forward with legal action because   XXXX   XXXX    documentation proves them to be in violation. It 's a similar name to mine, NOT my social, nor my address as I live in NY and never lived in   XXXX   XXXX   XXXX   or any part of Florida. AND they also re/aged the account which is DIRECT VIOLATION of the FCRA as stated. They also lied and said they never received any disputes from me but I have multiple dispute from the credit agencies as well as the BBB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Tidalwave Finance Corporation
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have called numerous times to get the lien release on vehicle which was paid off  XXXX  .17 and t hey stated its there policy too hold the title for 30 days. I have paid the entire loan in full. I am in a chapter  XXXX , but per the attorney, trustee, state of wi, and the financial the loan is satisfied 100 %. They have no rights to my title. Per laws they have to release lien to me immediately and have not.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Williams & Fudge, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Requested proof of debt, including any documents I signed stating I would pay the debt on top of outrageous interest charges. They told me several times they were attorneys over the phone. They have called me for 4 years even through the pandemic. Very rude and aggressive over the phone and have yet to send me anything verifying I actually owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I submitted a letter to the XXXX Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 non-monetary relief
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: GA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
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: Account status incorrect

Complaint:
I have had inaccurate reporting on an   XXXX   charge account for over 6 months now and the credit bureaus still allow the creditor to report the account status as " delinquenc y 120+ '' and  it has been dampening my credit score. I working hard to buy my wife and daughter a new house but the home loan company says my scores are too low and in fact dropped from a  XXXX  as my mid score down to a  XXXX  and the only thing derogatory that changed was   XXXX   report  XXXX  the derogatory remark. I do n't know what else to do we 're suppose to close on  XXXX  and these companies have all the power to affect such a large part of our lives. I have made mistake but for this to keep affecting me the way it has seems very unfair. I also had a loan taken out by in my name that the bureaus still have not taken off even after the police and other government site provided me with everything to hand over and I did now i had to pull the account out of dispute status so FHA will approve us but that i can deal with later. Im desperatley trying to get the ccredit bureaus to delete the delquency states and negative remark so my score and report will reflect accuratley. I made some notes on a credit report which I have uploaded. I 've tried disputing the account atleast 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX XXXX working on a debt placed with them on XX/XX/XXXX by XXXX at XXXX XXXX XXXX owed by my grandson and cosigned by his parents filed a credit complaint against me. The father of my grandson is a XXXX with the same name as mine. In an effort to apply pressure XXXX filed against my credit. It looks like it worked since the claim is listed as settled. Neither XXXX nor XXXX XXXX XXXX took any effort to correct the mistake of filing against the grandfather. My credit report says being turned over to collection will stay on my report until XX/XX/XXXX. XXXX info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX In general, I would say the reporting agencies are sloppy as well. They regularly attach my Son, XXXX, to me. Including debts, jobs, phone numbers and address. This has been going on for years despite my having a statement in my credit report asking that I not be confused with 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 non-monetary relief
Consumer complaint received 2021-11-17
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was treated in XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, NC. ) I am covered under XXXX XXXX XXXX and XXXX and NC XXXX XXXX since XXXX. Apparently 2 invoices of NOT paid were sent to Bull City Finance in XXXX NC for collection. I went to XXXX billing dept and obtained Paid in Full Invoices for All bills pertaining to me. I do NOT owe ANY bill at XXXX XXXX XXXX. I sent 2 copies of the paid invoice to Bull City. No Response at all for 3 months. I ask Bull City for verification of debt. They sent me collection info on a XXXX XXXX XXXX. ( Total stranger to me ) .6 pages. These collections remain on my Credit reports all 3. This account was settles in XXXX XXXX.per XXXX XXXX XXXX . Bull City continues to report this debt to credit agencies and this is NOT fair. They refuse to acknowledge me at all. I have disputed with XXXX, XXXX and XXXX 7 times, still Bull City maintains that I owe this I do NOT. ps NEVER have I received any statement what-ever from Bull City , ever. My credit score and life is suffering from their out-dated, incorrect information. Not to mention H.I.P.P.A violations pertaining to XXXX XXXX XXXX. I have her entire Medical History and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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 am disputing this account according to the FCRA for reporting incorrectly. I have asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original Ink signature. I am requesting the reporting agencies to correct this account to report paid as agreed with no late payments and/or remove it. I've sent the original dispute 6 months ago with no response. Yesterday XX/XX/22 I sent a certified letter as proof they are getting the mail and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Chime Financial Inc
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2021 two items were cancelled with XXXX and I was charged for those items and was supposed to get {$21.00} back for the two items the bank chime is withholding it and won't stop withholding it. I never received my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notice from XXXX XXXX  XXXX bi have never had an account with them nor XXXX. This is fraud and I am convinced my bf did this. I submitted a FTC report and filed a dispute with the CRAs and ask that this item be deleted as they are violating FCRA and FDCPA.

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 2017-06-01
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: Account status incorrect

Complaint:
I have had inaccurate reporting on an  XXXX  charge account for over 6 months now and the credit bureaus still allow the creditor to report the account status as " delinquency 120+ '' and it has been dampening my  credit score. I working hard to buy my wife and daughter a new house but the h ome loan company says my scores are too low and in fact dropped from a  XXXX  as my mid score down to a  XXXX  and the only thing derogatory that changed was SYNCB report  XXXX  the derogatory remark. I do n't know what else to do we 're suppose to close on  XXXX  and these companies have all the power to affect such a large part of our lives. I have made mistake but for this to keep affecting me the way it has seems very unfair. I also had a loan taken out by in my name that the bureaus still have not taken off even after the police and other government site provided me with everything to hand over and I did now i had to pull the account out of dispute status so FHA will approve us but that i can deal with later. Im desperatley trying to get the ccredit bureaus to delete the delquency states and negative remark so my score and report will reflect accuratley. I made some notes on a credit report which I have uploaded. I 've tried disputing the account atleast 3 times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase sent me promotional stuff and I followed opened checking and saving account. I transferred funds to both account as Chase instructed. 

after follow all the instruction, went to branch to verified identity But they closed my both accounts which have funds in it without any notice or a call. They told me they can close any account at any time in fine prints ( what kind of policy is this, there is no consumer protection at all ). 

They closed both my saving and checking and removed from my online dashboard so I can't access any of information and My FUND is GONE, DID NOT GET ANY MONEY BACK YET. It is more than $ 16k, now don't know where it is. CHASE JUST TOOK MY MONEY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am a victim of identity theft. I have contacted Merchants Credit Guide on several occasions to remove these so called medical debts from my credit report and they refuse to do so. They have not complied with my requests under the FDCPA or FCRA and have failed to provide proof or verification of the alleged debt. I am once again enclosing my identity theft report and notice to XXXX XXXX and XXXX. I have never been to these facilities.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX did not validate the debts they allege I owe.  They never sent me anything in writing, I had to find out about them by reviewing my credit report.  They pretend they did not receive my timely, written demand for validation under 15 USC 1692g Sec. 809 (b) of the FDCPA.  HOWEVER, they did (UNTIMELY) respond (how would they respond if they really did not receive my written demand?!?) but their response did not comply with 1692g in any way, shape, or form.  It merely said the account had been "closed" instead of actually validating, per my request.  (See attached).  It has been many months yet they are still listing a negative(s) on my credit reports, despite the law giving them 30 days maximum.The credit bureaus have ignored this fact and are about to also get sued in federal court and pay all of my attorneys fees and costs if they do not immediately remove all negative references from XXXX XXXX XXXX from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
JP Morgan Chase will not permit me to obtain my monthly credit card statement. I am signed up for electronic delivery, and receive notices by e-mail telling me the statement are available. 

When I try to obtain my statements, the JP Morgan Chase website says " We don't recognize this device '' and then no further progress is available. 

The payments on the cards are now past the due date, and damaging my credit. 

I sent a letter to XXXX XXXX, the CEO asking for help. I receive a call from XXXX claiming to be in the CEOs office. When I call back XXXX ext. XXXX, no one answers the phone. I have left at least XXXX messages, but never get a call back. 

My accounts are still unavailable and the intentional damage by JP Morgan Chase continues. 

Where is the accountability?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Experian Information Solutions Inc.
State: GA
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I lost my purse at XXXX 3 years ago. I had utility bills opened in my name, credit cards, and even loans. I've been trying by myself to get this stuff off my reports. I need help. I was told y'all could help me. Please help 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 non-monetary relief
Consumer complaint received 2017-04-13
Company: ALLY FINANCIAL INC.
State: ID
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We went to buy XXXX cars, and the dealership said they would only run our credit once and share the info with the lenders. Now I have XXXX hits on my credit report because the lenders also hit my credit report. There were XXXX companies that hit my credit twice 10 days apart. Ally and XXXX hit my credit on XX/XX/XXXX and again on XX/XX/XXXX. How do I get the second hit removed on each one?

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