BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-22
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello I have a business account with Chase bank. I have text messages or emails set up to notify me of a low balance. My balance was below 50.00, I normally get a message informing me of this issue and I immediately transfer money to prevent an overdraft. Well, for some reason Chase bank did not notify me and continued to pay my charges and charged me XXXX, 9 times. I feel they were intentionally trying to make money off of me. There is not a XXXX balance in fees. I went into the bank and spoke with a manager, XXXX XXXX, she also could not assist me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-01
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX has been non-compliant with removing the unverified account ALLY FINANCIAL Opened Date XX/XX/2016 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that ALLY FINANCIAL was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy, 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXX had a so-called processor call and text my sister stating that if they don't hear from me a process server will be dispatched out for service at home and place of employment. They then called me but number said scam likely. They called again and stated that I owe a debt from 2001 and they are filing a judgement against me in my home county and they would be suing and taking my property, put a lien on my vehicle and other adverse action. I asked to not be contacted and to be provided via mail with this information. They continue to call and threaten and provide info/threaten action to family members and recei

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XXXX XXXX, 2017 I received my second unsolicited and unwanted American Express credit card ( this card came at least with a return address on the envelope : XXXX XXXX XXXX, XXXX, NE XXXX ). Just the month before I had received the first American Express card AND a sheet of checks to get cash from credit, which totally appalled me! This 1st card had a much higher credit limit than the 2nd one received called XXXX Credit Card from American Express. Both of these unwanted, nor ever asked for credit cards were followed within a day or so by a letter from American Express containing my PIN numbers! I have never used a PIN # in my life. Any phone numbers provided by American Express were those to confirm/use these cards or to automated menus which gave me no relevant options to demand these cards and cash-back checks be stopped immediately! I surmised these financial assaults also included surveying my personal data from credit reporting companies without my consent. I resorted to destroying the first credit card and checks, which if misdelivered, as much of our other mail has been to the house just down the block with same house number, could have done copious mental and financial damage. I contacted consumer finance.gov which failed to send me the complaint form I requested for the first mailing and feel very violated and vulnerable as we have mail delivery/misdelivery problems in this very populated and unbridled-growth city of XXXX XXXX, Fl that we live in very close to downtown. We feel this unsolicited and irresponsible, predatory financial marketing is endangering our very good credit, as well as carelesssly exposing us to identity theft and financial liability. We do not owe anyone anything. We have paid off our mortgage, our cars and pay our XXXX credit cards off each month in full! We resent American Express and any other corporate predator endangering our privacy and financial security. Please help my husband and myself with this matter. Very sincerely, XXXX XXXX XXXX XXXX, Florida

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: MA
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 was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX XXXX BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
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: Their investigation did not fix an error on your report

Complaint:
I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit. 


the following inquiries : XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX 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 2017-07-22
Company: WELLS FARGO & COMPANY
State: GA
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:
On XXXX XXXX, 2017 I made a payment online with my Wells Fargo mobile app to my secured card. I made this payment mid morning Eastern standard Time on the Friday. Wells Fargo states that payments made before midnight Pacific time will post to the account the date made ( paraphrase ). I called on XXXX XXXX, 2017 at XXXX XXXX to see why my payment was n't posted and they told me that it was n't there and I had to wait for their system to update in 1 to 3 business days. There system never shows the pending payment but shows it in posted so they do n't allow them to push the payment through. This causes delays in using my card.

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 2022-01-26
Company: Experian Information Solutions Inc.
State: MA
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 was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, XXXX, Experian ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of 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 non-monetary relief
Consumer complaint received 2022-06-17
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with XXXX, DMI my escrow account got messed up and home insurance did as well. I got granted forbearance XXXX, then started working with loss mitigation XX/XX/22 when I got my first packet. I been actively working to get everything to them and no communication from DMI or loss mitigation after 10 phone calls I finally contacted someone on XX/XX/22. Told they have everything and that would escalate to help avoid foreclosure. Dual tracking has occurred and I have been working with a HUD approved counselor to get everything working. However foreclosure has commenced while Im actively working with loss mitigation, Im trying to avoid foreclosure and help prevent others from experiencing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been trying to get a mortgage modification with CitiMortgage since XX/XX/XXXX. We filed bankruptcy because CitiMortgage was trying to foreclose on the house. In bankruptcy we have been paying the mortgage for the last 2 years. In XX/XX/XXXXwe had the taxes and homeowners insurance adjusted saving {$15000.00} a year to make the mortgage payment lower. CitiMortgage just keeps requesting the same documents over and over again. All documents are now sent in to CitiMortgage by our Attorney. Attached is a Letter from our Attorney and supporting documents.

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 2017-07-22
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Original Creditor : XXXX XXXX XXXX ( collection agency- Central Control Financial ) I recieved a call from this agency -- They advised the debt was for my XXXX year old daught but, my name was on the insurance card that she used. Therefore, the company put it on my credit report, I never signed anything or had knowledge of any visited to this agency. However, my daughter has insurance through social security with medicated and it should have been charged. I am not responsible for her bills -- secondly, i found out through the credit report and they called from my report.. I did not have any insurance under my daughter in 2015 but, I am a victim of Identity fraud and furthmore, my daughter lives in XXXX County..

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: CITIBANK, N.A.
State: NY
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:
I contested a charge to my Citibank XXXX XXXX. 
The charge was for a cleaning service for my home. 
I had contracted for a price, but the company was unable to complete the job as contracted for. They came back another day and charged me an additional amount {$360.00} ' it is this additional amount that I was contesting. 
I went online and filed a dispute with citibank. I checked the most appropriate category available, although it did not exactly correspond to what had occurred. 
Citibank issued a temporary credit, and requested additional information from me, which I provided. 
Citibank then informed me that they were reversing the temporary credit and reinstating the additional charge because I had provided them with conflicting information ; they refused to comment on the substantive issues based upon all of the detailed information that I had provided them, they simply denied my appeal based upon their perception that I had provided conflicting information. 
I explained to them the same as above, that their website limited my choice of a dispute reason, but that I had subsequently provided them with all of the necessary information for them to review and reconsider their initial determination. 
Citibank has refused to do so, in violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: Experian Information Solutions Inc.
State: OK
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 am XXXX percent total XXXX service connected Veteran. I had a Federal student loan first with XXXX XXXX then it went to XXXX XXXX XXXX XXXX then to XXXX but is showing on my credit repots all Three that it is negative over 90 days I did not have to pay the student loan according to Federal Law but they kept billing me for the loan and then reported it to the Credit reporting agenies. This is hurting my credit score I have tried to resolve this with the credit reporting agencies and the student loan companies but they say the reporting is true and accurate. This is Unfair credit reporting and should I am going to submit it to the XXXX. If the student loans were to be forgiven as Federal requires then it should not show on the credit report as late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: On-Site Manager, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for an apartment in XXXX on XX/XX/XXXX, about couple hours later I was emailed a copy of a Rental Report. In the report it reads, a rental company filed evictions against me three different times. The first one was on XX/XX/XXXX then XX/XX/XXXX and the last one on XX/XX/XXXX for an address I NEVER LIVED AT. With that information I was declined for the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: AZ
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will take action due to the stress you caused me. My information was also may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will take action due to the stress you caused me. My information was also 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 2017-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 am XXXX percent total XXXX service connected Veteran. I had a Federal student loan first with XXXX XXXX then it went to XXXX XXXX XXXX XXXX then to XXXX but is showing on my credit repots all  Three that it is negative over 90 days I did not have to pay the student loan according to Federal Law but they kept billing me for the loan and then reported it to the Credit reporting agenies. This is hurting my credit score I have tried to resolve this with the credit reporting agencies and the student loan companies but they say the reporting is true and accurate. This is Unfair credit reporting and should I am going to submit it to the XXXX. If the student loans were to be forgiven as Federal requires then it should not show on the credit report as late payments.

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 2022-01-26
Company: Amsher Collection Services, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
T-mobile, working with Amsher Collections harmed my credit score substantially by prematurely reporting a debt to all three credit bureaus without proper notification on a closed, paid in full account. I have not received any correspondence from either XXXX or Amsher. My first notification of any amount due was an alert from my credit monitoring service. 

Upon further investigation it appears to be standard operating procedure for these two entities to act in this manner, which may be a violation of the Fair Credit Reporting Act. There are multiple complaints online of similar behavior from these companies which appears to be retaliation for dropping them as a wireless carrier. 

I called XXXX yesterday, and they refused to speak to me stating that they could not verify my identity because I didnt have some PIN code they wanted. I do not recall ever having a PIN code and when I requested that they verify me by some other means, they refused. 

I called Amsher today, and was repeatedly placed on hold for long periods, hung up on more than once, yelled at and then threatened with a ludicrous accusation that I made a false statement. This company should be investigated for their unethical business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation