BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2017-03-17
Company: Ridge & Valley Realty, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
On XX/XX/2017 I contacted Credit Systems Inc in regards to an alleged debt of XXXX approximately XXXX. In doing so individual discussed information from XXXX XXXX without reading the attempt to collect a debt disclosure. She provided me with email address to dispute. After our entire 3 minute and 52 second conversation she attempted to advise me of something in which I disconnected because I was furious that XXXX sent me collection without any prior attempt to advise me of a balance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Billing disputes

Complaint:
We were debited earned cash back rewards from Citi Visa. The credits were earned with purchases on their card. We had a refund returned on the Citi Visa for a purchase that was made on XXXX XXXX. Both cards were issued through Costco. We received a {$12.00} reward from the XXXX purchase but deducted {$74.00} in cash back rewards from Citi on the refund. They should have only deducted {$12.00}. We made two calls to them to correct the error and they refused stating it was an automated process. It is our position that this was a fraudulent transaction on their part. We earned the cash back credits per the terms of their card agreement and Citi wrongfully deducted the earned cash of {$62.00}.

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 2016-03-14
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We have a Mortgage & Home Equity Line of Credit with JCMorgan Chase. 
The problem we are having is when we filed Bankruptcy Chapter XXXX, JPMorgan/Chase was notified we were continuing our payments for the Mortgage & Home Equity Loan. 
We recently applied for credit & was denied. So when I checked our credit reports I found that JCMorgan Chase had reported we filed Bankruptcy on our Home Equity Loan. Our last payment was in XXXX 2013, they wrote it off & we had a {$0.00} balance. 
This was an untrue statement so we went to our local branch in XXXX, IN to get this straightened out. 
The Chase employee contacted the mortgage dept, after trying to straighten this out, he told her it made no sense & wanted her to explain it to me. 
She explained that since we filed for Bankruptcy they wrote off all our accounts and could not do anything about this. 
I told her we did n't include our home equity loan, she said we did & would need to get an affirmation from our lawyer. 
There was nothing I could say to convince her that this was an error. 
I contacted all XXXX credit bureaus & notified them of the error, sent them copies of the papers I am including along with this letter. 
I talked to a customer service representative from one of the credit reporting agency & was told Chase claimed this was true & they could n't do anything about this. 
We went back to Chase in XXXX & talked to another person who looked up our account & showed us our account is in good standing, our current balance & the payments were always made on time, & could n't say why Chase would n't correct this. 
I talked to another dept from XXXX about getting the info on who it was that was reporting this inaccuracy & told me they have all the info they need to correct this but their hands are tied because Chase will not give them the OK to do it. 
I asked what else I can do to fix this & she gave me the number to contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I applied for a credit card with Chase. They mailed the card to an old address that I have n't lived at in years. Fortunately, I know the people who live there now, otherwise I never would have gotten my card. I called to ask them what happened and they just ignored me. They wo n't tell me what data they have for my address or what went wrong. Then for some reason they they tagged my card for fraud and shut off my credit access. They wasted a lot of my time trying to solve a mistake they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a Chase account which I watch very careful and I cash all of my checks through this bank rather then any of my other bank accounts. I spoke with Chase bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX amongst other times. At these times I told them that I had a check with my landlord XXXX XXXX. Several times I was told that it would be documented on my account so that I would have time to put in $ XXXX cents or around that amounts. I woke up on the XX/XX/XXXX at XXXX and there is was a message on my app that I was charged a {$35.00} fee. I am a little concerned this transaction was done XXXX which I should have had the weekend to replace that money. When I called on Saturday and ask to speak to a supervisor I was told that nothing could be done. I would really like this situation addressed and I thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-11
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX times per day, sometimes several different phone numbers even if just 1 day late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a Citi checking bank account after being sent a promotion to receive a promotional bonus after keeping my funds of XXXX or more in the checking account for more than 60 days. After the 60 days there would be a 90 day wait, I have waited over 120 days and have yet to receive anything. I opened 3 support tickets and all of them have led no where. 

The banker I spoke to has told me multiple times that I have met the requirements and it should be paid out. 

The promotional code I received was XXXX. I opened the account on XX/XX/2020. The banker told me I had met all the requirements in XXXX and it should have been paid out by now. 

One representative told me I wasnt target by I have the promotional code XXXX as proof that I was targeted.

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 2015-06-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Company continues to report incorrect and incomplete information despite multiple notifications of error. Company lists XXXX accounts as a charge-offs, closed by credit grantor, with a balance owed, although debt was discharged via bankruptcy in XXXX 2014. Have contacted Consumer Reporting Agencies following instructions on their websites, XXXX via certified mail, and supplied supporting documentation. Also contacted this creditor directly via certified mail. 

Requesting company to immediately report accounts correctly as discharged in bankruptcy, with no balance due, and recall monthly reports of charge-off for the period spanning XXXX 2014 to the present.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: JPMORGAN CHASE & CO.
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, JPMCB CARD add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
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: Information belongs to someone else

Complaint:
I want to report an identity theft in my credit file, I checked my credit for accuracy and I saw a number of accounts that I didn't recognize, resent bills in the mail make me suspect that my identity was stolen, now I'm following the steps to try to remove these account from my credit.

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 2015-10-01
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have several issues with Navient, my private student loan servicer. For months following XXXX, I was only able to get part time work. Navient still wanted me to pay over {$200.00} a month. Now that I have a great job as XXXX, I still have a high debt to income ratio. I tried explaining this to Navient and gave them all of my financial information. They proceeded to yell at me/talk over me and insisted I made more than enough money. They threatened me with litigation, so I foolishly set up an automatic payment in the amount of {$200.00} for XXXX/XXXX/15. Unauthorized by me, they stole {$150.00} from my bank account on XXXX. I called and they said they would just take {$50.00} out on XXXX for a total of {$200.00}. They did take {$50.00}, but they also took another {$200.00} out on XXXX. So they never cancelled this as agreed. I call about this and they say they have no record of this and that it was cancelled. Do they not keep proper accounts? They then told me to upload bank statements to them. I did this-the statements are in pdf format so they should have had no problem viewing them. They told me the docs are blank and I need to try again. So I upload them again. I call and they tell me they are still blank. What is going on here?!? I feel completely scammed. When I asked them for the millionth time why they took {$150.00} out unauthorized to begin with, the rep just hung up on me. This is not okay. Something needs to be done about this fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2021 @ XXXX am I received a message from an unknown employee with the same company I work for telling me that a bill collector called and left me the name number and company of a collection agency on my WEB Ex meeting messaging board. I work for a XXXX and we are not allowed to received debt collection phone calls. This debt collector called our general XXXX insurance service line and spoke with a customer service representative with my company. They asked of I worked there and the CSR told them they would relay a message to amongst other things I don't know were said. The CSR should not even have engaged in conversation with the person or looked up my information for them. This debt collector had no right to call my place of employment asking a random person for information about me. This incident has been reported to my HR department for further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am being billed by XXXX  for a {$1800.00} ambulance transport on XX/XX/XXXX. My insurance company, XXXX, has determined that XXXX  is a national provider and as such, required to accept the contracted amount of {$390.00}. XXXX issued a check to XXXX for {$390.00} on XX/XX/XXXX ( ID # XXXX ). 

Both XXXX  and MSB collection agency  continue to send letters indicating that I owe {$1800.00}. I sent certified letters to both MSB and XXXX  detailing the above information on XX/XX/XXXX. While I received a return receipt from MSB, signed by XXXX XXXX, XXXX failed to pick up the correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I was approved through a program called XXXX program that grant or dissolve student loan debt if you are XXXX. I was approved on XX/XX/2014. So, they sent a XXXX to file for the debt but I also file bankruptcy in the same month. Now since I disputed my concerns with Department of Education/Nelnet they are putting negative information on my credit report because I have received several credit alerts were they are saying I am 120 days late. They should been paid through the XXXX program but now they are sending negative remarks to my credit report. I would like to have this investigated and if they are wrong I would like to have all Nelnet accounts deleted from my credit report immediately. I received a total of XXXX credit alerts in 4 days about this company. They are trying to hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: SUNRISE CREDIT SERVICES, INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sunrise credit bureau fraudulently flagged my 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 2020-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020, I needed to unlock my Transunion credit report for the purpose of a home equity line of credit loan. 

I logged onto Transunion, and they asked for a credit card number without telling me what it was for. I entered it for identity purposes. I later found out it was was a monthly subscription and was billed for {$26.00}. I find it very deceptive that I was not notified at any moment that I was being billed for a monthly subscription. 

I then went to unfreeze or unlock my account and was notified that I was not able to do so. The agency has reduced its hours due to COVID-19, and I can not reach anyone to unlock my report. 

Unlocking my account should be easily accessible to me as a user, as it is with XXXX and XXXX. Also, customer service should be accessible, which it is not.

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 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I attempted to obtain a copy of my consumer REPORT AND CONSUMER FILE from transunion and XXXX via annual credit report but I was given error messages every time I attempted to get the files. This is my third month attempting to get these reports without success.

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 2021-01-14
Company: PNC Bank N.A.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I purchased a vehicle from XXXX XXXX of New York. I was sent an invoice for {$17000.00}, money to be wired to a business account for XXXX XXXX at PNC bank at XXXX XXXX XXXX, New York, NY. I contacted the bank directly to make sure it's a legit account. Then after wiring the funds, I contacted the bank later to see if the funds have been cleared because the seller, XXXX XXXX, told me that the bank was holding their funds. The bank would not answer my request and told me I can not inquire about an account I don't own. I then asked for the wiring department so I can speak to someone that can verify that my wiring from XXXX XXXX  has been cleared through PNC wiring department. Again, PNC declined to answer. Throughout the numerous emails and phone calls with XXXX XXXX in New York, they kept claiming that their funds were never released so they could not ship out my vehicle that I bought. Then I asked my bank, XXXX XXXX to intervene and inquire about a possible refund since the funds were never cleared. After few weeks, XXXXXXXX XXXX  responded that PNC never answer them directly either. Last week, I filed a fraud complaint with the FBI internet crime division after having no choices left and recommended by my own bank, XXXXXXXX XXXX Till now, PNC has never answer me directly, contacted me in any way, or assisted my bank to see what happened in this situation. Even if it's a straight scam, I felt like PNC could have answer quicker giving the consumer like me a chance to go after the criminal, if proved so. It's now past 90 days since the funds wired, chances will be slimmer to recover. I like PNC to answer directly to me if the funds were indeed verified and cashed out, if not, is it possible to have it refunded to me through the same means it was wired. Please help in any way possible so that I or anyone else can avoid losing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed that XXXX was a fraudulent account due to the fact, due the fact of me filing a police report stating I was a victim of identity thief. This account was removed from my credit once but since then it 's back on my credit file and reporting negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: OH
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Exeter Finance Corp.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Forster, Garbus and Garbus
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My Daughter XXXX XXXX, had XXXX student loans with XXXX XXXX. I co-signed XXXX of the loans and my daughter failed to pay the loan back and a collection agency called XXXX in NJ was hired to collect the money. The collection agency without telling me decided to combine both loans and put a judgement/lein against my house. I feel that combining both loans with only my name on XXXX of them should not have been done. Because of that, I had to put up {$45000.00} in escrow so I could sell my house. The loan went from XXXX XXXX to XXXX and they hired their own collection agency called Forster, Garbus & Garbus, which seperated both loans as they should have. I contacted them and I settled the loan with my name as co-signer, with them on XXXX XXXX, 2015. I have been trying since then to get a warranty to satify judgement document to send to my attorney to release my {$45000.00} funds in escrow. I have contacted numerous people so many times and left voicemails hoping to get the documentation and no one returns my phone calls. I called XXXX hoping to get some answers and was told that the collection agency did not report any information about Loan settlement. I am reaching out to you as a last resort hopefully to put some pressure on them so they can treat me the way consumers ought to be treated. 
Thank you, XXXX FL XXXXXXXXAccount with Forster , Garbus & GarbusXXXXClient Ref. No. - XXXX

Company response to consumer: Closed with explanation