BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I found a listing on XXXX for a place to rent. I got in contact with the lister and began negotiating a lease, which I signed and sent back to the lister. The next day, I made a transfer on XXXX to XXXX for {$1000.00} as a security deposit. Immediately after, he tried to get me to send more money, and refused to send me the key. I then realized that I had fallen for a fraud. I immediately called Chase Bank to get them to freeze or refund the payment, to which they told me that it would be impossible to reverse even though it showed as pending transfer in my account and that it would take XXXX weeks to audit the account and ask the partner bank for the money back. XXXX weeks later, and they were unable to retrieve my money from the partner bank, unable to share the fraud accounts information due to what they say are privacy concerns, and when I reached out to XXXX directly, they didnt even take my call. The XXXX transaction number is XXXX. Obviously the owner of the account can be traced knowing these details. I would like Chase Bank to refund the money which was due to a fraud and scam and the person, whose identity can be determined from these details, be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Enclosed evidence of errors in Credit report. Wrong information regarding XXXX XXXX XXXX report, per enclosed 4 pages of evidence ; 1 ) XXXX XXXX action following a late payment dispute, was to refund to my husband and l, 100 % ONE HUNDRED PERCENT, of all late charges, XXXX refunded to us over {$4900.00}. 2 ) At no time during this dispute did XXXX XXXX apply late charges in 2016. 3 ) XXXX actions prove the dispute existed .At that XXXX were guilty of wrongful actions against their customers, which is part of the public record. . 4 ) The Credit Agency, in wrongfully showing late charges that were refunded to us, seriously harms us. We cant get a new mortgage, which is depleting our savings. Current cost to us is very substantial, over XXXX And growing by the day. 5 ) In refusing to alter the record, the Credit Agency unfairly negates our right to dispute XXXX XXXX XXXX XXXX unfair actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Byrider Franchising, LLC
State: MS
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:
Even though XXXX XXXX and XXXX deleted all of the unnecessary info. XXXX is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway for my understanding. Again they are showing wrong/incomplete account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. Other companies to become included on this complaint are : 1  ) every one that just has finance as the company name and they are three 2 ) XXXX  XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX  5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX ( XXXX  )

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: TD BANK US HOLDING COMPANY
State: NY
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 have A TD Bank on my credit report which is reporting wrongly. 

I have reached out to all three bureaus and TD Bank to make the necessary changes which they have not done. The bureaus are not consistent with which months they are reporting late. If they did a proper investigation they would all match up to be the same months. Which leads me to be concerned that it may all be inaccurate. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Had never even heard of Jefferson Capital Systems until I received a notification from XXXX XXXX my score had changed and I checked it. I have never received ANYTHING from this company in an attempt to collect any type of debt. On my credit bureau Jefferson Capital Systems is shown as " CLOSED '' but are reporting that I am in default to them although I have never had any type of corespondance with them. Jefferson is claiming I owe XXXX XXXX {$170.00} on an account I had CLOSED 7+ yrs ago WHEN my CONTRACT ENDED! They have NOT supplied me with ANY type of documentation, statement, account number, contract or contact I will be contacting the FTDCA dept. How can a company possibly report you as deliquent when they have NEVER contacted you! This is Blatant Violation of FDCPA rules and regulations. Time Barred Accounts and Non Validation of this account. I will be filing with the FTC and the Attorney General 's office as well regarding their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
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: Public record information inaccurate

Complaint:
I filed bankruptcy chapter XXXX XX/XX/2013 & it has been discharged. It appears on both XXXX & XXXX  but doesn't appear at all on my Transunion credit report. Many of the discharged accounts still appear as delinquent on all three credit reporting agency credit reports.

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 2022-08-15
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My recent mortgage was underwritten by XXXX Mortgage ( BHM ) for XXXX XXXX XXXX XXXX XXXX XXXX ). During the application, we advised XXXX that we intended to make a large payment to the principal amount shortly after closing and seek a recast of the payments. We were advised by XXXX that we could do this at any time. Shortly after we closed and before we had made a single payment, our loan was apparently purchased by XXXX and servicing transferred to Specialized Loan Servicing ( XXXX ). When I called XXXX to do the recast, I was told that I would have to " apply '' for the recast, pay a {$500.00} fee, and that it could not be done according to XXXX 's internal policy until after 90 days had elapsed from closing. 

I spoke to XXXX and this is not a requirement it imposes, but seems to be imposed by XXXX at its volition in an attempt to generate fee and interest income by charging unwarranted amounts to consumers. It is not disclosed in any of the documents I received from XXXX, XXXX, or XXXX. This seems to me to be an unfair practice under the XXXX XXXX XXXX as it causes substantial ( financial ) injury ( in my case, I estimate more than {$2000.00} ) ; it is not reasonably avoidable as it is not disclosed prior to closing ; and its benefit is not outweighed by the harm it caused me and potentially numerous other consumers.

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 2022-02-16
Company: DISCOVER BANK
State: MI
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:
I'm not swayed that XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Bureaus are reporting inaccurate information on DISCOVERBANK with account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: CORELOGIC INC
State: LA
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:
In XXXX of 2017, I visited XXXX XXXX XXXX in XXXX XXXX, Louisiana in search of a vehicle. During my visit I requested that my credit be run through XXXX XXXX only. Within minutes of leaving the dealership, I received alerts from my credit monitoring service that my credit from several places. It was written on my application XXXX XXXX only. Since then, XXXX XXXX XXXX has been able to locate this application form for me & has provided me with a letter clarifying I requested for XXXX XXXX only. 

XXXX XXXX & Credco were both places my credit was pulled & I have informed them about the letter from XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MN
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 was one of the people affected by the Equifax data breach and wanted to file a formal complaint against them. I already have identity theft protection but I am very upset that to get protection from Equifax they required you to waive your legal rights. 

Equifax owes us a lot because this could affect our future, our retirement, and our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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:
This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular item in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$6600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$2300.00}

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 explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-07-07
Company: Experian Information Solutions Inc.
State: NY
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 had once reported this issue involving Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted to all credit bureaus. Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) .These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). 


Credit bureaus ' response but never about what they should follow per the FCRA : XXXX. You may contact the company that reports the information to us and dispute it directly with them. If you would like written proof about your accounts l ( such as the original agreement ), please contact your creditors directly. 
XXXX. You may contact the Consumer Financial Protection Bureau or your State Attorney General 's office about your issue or complaint against XXXX or l the company reporting the 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 2020-06-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
-Initially phone call on XXXX information for settlement request. - rep did not know -phone call - XX/XX/20 in regards settlement request - fax # XXXX provided -fax letter requesting settlement date XX/XX/20 - to fax # XXXX XXXX fax # given by Citi Cards rep ) XXXX phone call to check on letter submitted, rep did not know about this type of request and stated that it can take few days to view any letters on them systems. 
XXXX phone call to check if fax was received, rep stated no they don't have anything on them systems about any of my request. 
XXXX - received letter stating that my request was not clear. 
XXXX - fax letter explaining request for settlement reason and provided proof of funds. 
-phone call XX/XX/20 to check if any correspondence was received they stated nothing, they don't have anything. 
XXXX - fax letter requesting settlement. 
XXXX phone call - rep stated that they don't have any letter from me on them systems. 
XXXX fax another letter requesting settlement XXXX phone call - representative stated that they don't do settlement and stated that I have to talk to the repayment plan dept. was transfer - long hold time did not talk to anyone on the repayment plan dept. 
XXXX phone call rep stated that for settlement request I have to call on of after XX/XX/20 when my statement is ready to be cut out. 

Besides of response from letter received dated XX/XX/20 about Citi Cards not understanding my settlement request, never again Citi Cards responded or provided me any information about my request, neither a denial, a suggestion or an offer or explanation or instructions on my request. Every representative I spoke with had no clue of an idea about a request for settlement, they always said that no documents from me on them systems. I was provided a few time the same fax # XXXX and I did a few times ask for a different fax and they keep given me the same fax #.

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 2019-11-26
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ON XX/XX/2019 I FIRST REACHED VIA TRACKING SIGNATURE MAIL IN WHICH THIS COMPANY SIGNED FOR THIS REQUEST ON XX/XX/2019 AT XXXX XXXX   ACCORDING TO MAIL GREEN CARD USPS TRACKING THIS COLLECTION AGENCY NCB MANAGEMENT SERVICES NEVER REPLIED BACK WITHING 30 DAYS OF MY REQUEST FOR VALIDATION OF DEBT AMOUNT XXXX ACCOUNT NUMBER XXXX IN WHICH I DISCOVERED REPORTING ON MY CREDIT FILES WITH XXXX, XXXX, XXXX ON XX/XX/2019, I EVEN DISPUTED THIS ACCOUNT WITH LISTED CRA AND THIS COMPANY NCB MANAGEMENT SERVICES VIA TRACKING SIGNATURE MAIL NEVER REACHED BACK TO ME SO I THAN REQUESTED AGAIN ON XX/XX/2019 VIOLATION OF DEBT VIA TRACKING GREEN CARD SIGNATURE MAIL BY THE USPS IN EACH LETTER I ADVISED THIS COMPANY TO cease and desist ALL COLLECTION ACTIVITY AND TO STOP REPORTING UNVERIFIED DEBT TO CRA IMMEDIATELY ON XXXX I RECEIVED A COPY OF A BILL SUMMARY LISTING A INACCURATE NAME LISTED FOR DEBT, DEBT AMOUNT OF {$7700.00} IN WHICH NCB MANAGEMENT SERVICES IS REPORTING FALSE TO LISTED CRA AGENCIES I DISCOVERED THE ACCOUNT NUMBER REPORTING ON NCB MANAGEMENT SERVICES BILL SUMMARY IS REPORTING A DIFFERENT FALSE ACCOUNT NUMBER XXXX COMPARED TO ACCOUNT NUMBER { XXXX } LISTED WITH CRA AGENICES XXXX, XXXX, XXXX I THAN ADVISED EACH CRA TO INVESTIGATE FCRA VIOLATION AND FDCPA VIOLATION AND EACH CRA REPLYED THAT THIS COLLECTION AGENCY IS ADVISING THERE AGENCIES THAT ITS COMPANY IS REPORTING REPORTING ACCURATE ACCOUNT INFORMATION UNDER THE FCRA AND FDPCA HOWEVER I HAVE MAILED NCB MANAGEMENT SERVICES VIA TRACKING MAIL A COPY OF ITS BILL SUMMARY THAT WAS MAILED TO ME ON XX/XX/2019 I HAVE ASKED THIS COMPANY TO IMMEDIATELY STOP REPORTING ITS FALSE AND UNLAWFULLY REPORTING AND TO DATE XX/XX/2019 THIS COMPANY HAS STILL REPORTED FALSE AND INACCURATE ACCOUNT INFORMATION TO EACH CRA REPORTING AGENCIES CLEARLY IN VIOLATION FCRA SECTION, { 15 U.S.C. 1681-1681 } { SECTION 15 USC 1692 ( g ) Section 809 ( b ) } Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ), which prohibits unfair or deceptive acts or practices in or affecting commerce ; SECTION USC 1692 ( g ) Section 806 ( 5 ) AND MANY MORE VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Medical Data Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
With my last XXXX I had to go to the XXXX  often and they would always tell me to pay or they will sue me for not paying. I cant afford to pay the {$200.00} copay every other week when I was trying to cover other expenses and just make sure my baby was healthy and I was healthy. Also went to a dentist, paid in full, cash. No insurance at the time so I paid everything up front to get my XXXX XXXX  and they still ended up sending me a bill for extra costs that arent even listed.

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