BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XXXX. XXXX, XXXX I became legally XXXX according to Social Security XXXX. I contacted XXXX when the final decision was made at XXXX in XX/XX/XXXX and in XX/XX/XXXX, XXXX approved a Discharge due to XXXX on my student loans from XXXX and XXXX XXXX XXXX, both XXXX and XXXX agreed to the discharge. 

In XXXX XXXX XXXX also discharged my private student loan through XXXX. 

I pulled my credit report from XXXX  and XXXX in XXXX and XXXX is listed with three discharged loans, the two federal school loans from XXXX and XXXX XXXX XXXX and private school loan from XXXX. 

My credit report in XXXX also showed XXXX and XXXX paid. But XXXX XXXX XXXX status is listed as Open as Unknown. I called XXXX XXXX XXXX and their customer service states, " Yes, the loans show here as paid. The discrepancy will clear up next month, because there is a backlog in reporting and updating status information. '' I called again last week and XXXX XXXX XXXX repeated the same and said they were not obligated to clear it up now. I complained to XXXX, XXXX and Equifax and they say I have to get XXXX XXXX XXXX to clear it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Lockhart, Morris & Montgomery Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an outstanding debt with XXXX XXXX back in XXXX because somehow my insurance did not cover the entire cost. I paid the full amount directly to XXXX XXXX  in XXXX now Im receiving another bill from collections for XXXX XXXX  which I have no idea about. It was put on my credit report at a time when we are going through a pandemic and times are very tough. 

Collections agency : XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Just before XXXX, I XXXX XXXX had my debit card number compromised. When i noticed a negative balance on his account a week later, i immediately reported fraud and was issued a new debit card. Chase reimbursed each transaction totaling almost {$1300.00}. 


However, Chase reclaimed this money on the flimsy defense that because i did not log into his online account during the fraudulent activity, it made me liable -- even though i reported fraud the moment he noticed it, well within Chase 's policy that requires its bankers 60 days to report fraud. 


There are many variables as to why someone would log into their account or not. For me, I had a surplus of money in my account and my bills were paid, so i did not need to check his online accounts as frequently that week. Instead, i freely spent my hard earned money on gifts and social engagements during the holiday season. 


But when i logged in a few days later and noticed his account was drained, he did what anyone would do -- he closed his account and reported fraud. I have since made a police report as well. Also may i add i was never notified by chase of fraudulent activity i found it myself and reported it from looking at my online information. 

Chase 's reasons for not reimbursing XXXX XXXX based on online login patterns are suggestive and unsubstantiated. The patterns Chase should be concerned with is that of blatant fraudulent activity that Chase should have been monitoring to alert him. Chase has an obligation to protect their customers from fraud as a member of the FDIC. 

Even the Branch Manager Vice President, XXXX XXXX, immediately recognized that transactions on a debit card issued solely to myself were being made in both XXXX and XXXX sometimes within hours of making purchases in his my of XXXX, XXXX. Also, the charges in these XXXX other states were always made at gas stations -- sometimes several in the same day -- for similar monetary values of {$100.00}. These are patterns of fraud that is evident in concrete FACTS. 


To think that Chase is more concerned with the subjective patterns of login activity instead of obvious patterns of fraud is downright absurd. Chase is violating their own policies and practices -- the 60 day reporting policy for fraud, the zero liability as a Visa card holder, and the membership Chase holds with the FDIC. 


Due to Chase 's unethical business practices, i had to borrow {$880.00} from family to cover my XXXX 2017 mortgage payment so that he does not default I am appalled at the conduct of this bank and expect Chase to reimburse me so that I may recover my funds as soon as possible. 

But even still, Chase REFUSES to reimburse me. 

Chase Claim # XXXX ( Document Included ) Police Case # XXXX XXXX XXXX XXXX XXXX ( Document Included ) Chase Acct. # XXXX Ive also included my bank statements which show transactions in both states at both times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
State: OH
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:
I ( the consumer ) noticed a lot of random inquires on my account that I didn't authorize, i think i may have become a victim of identity theft and want these accounts/ inquires removed. I believe I have a right to privacy and I also think that by having this information on my consumer report is a violation of 15 usc 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-02
Company: CITIBANK, N.A.
State: IA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Per a credit report pulled in XXXX and disputed several accounts listed with all XXXX credit agencies, as the accounts were not even mine. XXXX XXXX Account XXXX, Sears.CITI Account XXXX and XXXX XXXX XXXX Account XXXX. All XXXX of these accounts belonged to a different XXXX XXXX. Additionally, there was no social security number on file for XXXX of them, and there was also an invalid address attached to my credit reports for the state of XXXX and I have never lived outside of the state of XXXX in the XXXX years of my existence. When calling XXXX the representative told me in XXXX that name on file was for a XXXX XXXX XXXX, that there was NO social security number captured from that person for the account AND when reporting the credit situation, they did n't know where to attach it so they put it on mine. These XXXX companies have attached information for someone named XXXX XXXX to my account since XXXX, which has impeded my ability to secure fair interest rates or even securing loans to purchase vehicles or a home. Lastly all XXXX of these companies informed me when calling in XXXX that my social security number was not even in their system, and upon formally disputing these items with the XXXX credit reporting agencies, it took over 2 years and more than one attempt to get these items removed from my credit report. In XXXX, I was refused a car loan, in XXXX I secured a car loan for a rate of 10.75 % interest, in XXXX and XXXX I was refused home loans when attempting to purchase and as a result was required to relocate myself and my children XXXX times in seven months shortly after their father passed away.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Bank of America is reporting an original charge off amount of {$850.00} to all XXXX CRA 's. This was a secured card which I paid {$600.00} down. The limit was {$600.00}. The card was never over the limit and I paid {$250.00} which was considered payment in full of past due balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/2016 {$1500.00} was withdrawn from my bank of America account using a fraudulent duplicate debit card. The debit card was in my possession and the withdrawals took place in a city XXXX miles away from my location. Bank of America has denied refunding my money three times and advising the claim is not valid and it was not fraud.

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 2016-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX received a text on my cell phone. Said it was from my bank. When I opened it the bank insignia looked legit along with bank name. It said there was a problem with my account and they needed to set aside a certain amount. The attachment was a questionnaire want my bank information. Felt it was a fraud since my bank does not have my cell phone number and know they would not be asking for my information via a text. Called Bank of America and they verified that they did not send it. They asked me to email the text to their Fraud Department. Did so immediately.

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 2022-04-19
Company: EQUIFAX, INC.
State: IL
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. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX. The credit Bureaus stated that the information was verified and was accurate upon the completion of their investigation. How can this be true if the open dates are incorrect, the dates last active are inaccurate, the dates last reported are inaccurate and the balances are inaccurate. All of this incorrect information reporting on my credit is grounds for the accounts to be removed from my credit report. My rights have been violated under 15 U.S.C. 1681 section 602 A. States I have a 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 instruction. 15 U.S.C. 1681 section 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 information is incorrect. 15 U.S.C. 1681 ( a ) ( 5 ) states : no consumer reporting agency may make any consumer reporting containing any of the following items of information other adverse item of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I submitted a request to Navient to have my cosigner released from my private student loans was was denied because " I failed to meet the eligibility criteria for a cosigner release due to the following reason ( s ) : insufficient income//proportion of loan balances to loan amounts too high//amount owed on accounts is too high ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
SLS recently began servicing my loan when the IR reset causing my payment to double. So starting in XX/XX/2016 I began submitting all of the required documentation to have the loan modified. Since this time the experiences I have encountered have made me lose confidence in their ability to execute loan modifications timely. Today is XX/XX/XXXX and I just got another call stating the XXXX doc that I sent back in XXXX is now invalid because the date is old. Furthermore, they told me the XXXX submitted for the co-borrower was also invalid when in fact just a few weeks prior they confirmed it was fine. It appears every 15 days or so they contact me to tell me about another random document that was n't requested up front is now needed and if I do n't send it I wont qualify. I have been very responsive when it comes to providing the necessary documentation but these long delays between calls and these random requests for documents that were not requested up front need to stop. In addition my single point of contact is 'bullying ' by stating [ with attitude ] that the mod wont get done if do n't supply the documentation. I do understand this but the aggression she showed is class-less. 
I am struggling to pay my mortgage and need a decision ASAP on if I qualify for a loan modification. I am borrowing money to keep the loan from going 60 DPD but it is becoming increasingly harder to make the payment. Based on these poor experiences I now believe SLS is purposely delaying the execution of mortgage assistance because the MHA program has ended and so has the Obama administration. this perceived negligence needs to stop and I only hope the CFPB can help end the madness. I think it is safe to assume hundreds ( if not thousands ) of other customers who have SLS servicing their loan are facing the same situation. I take confidence knowing the long reach of the CFPB and thank XXXX almost daily for their existence. Please help

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 2022-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a Capital One, 360 XXXX  account. I have had security concerns for about a year regarding why the online security settings could be changed without me changing them because this is an individual account. Recently I made XXXX Capital One, credit card payments. What occurred was a total of XXXX payments were debited from my checking account. I made a {$200.00} credit card payment to my son 's credit card. There was also a {$250.00} payment applied to my son 's credit card that was withdrawn from my checking account causing a negative balance. I contacted Capital One, requesting the {$250.00} payment be applied back to my checking account. I was informed that a dispute would have to be created, but the funds would be applied back to my account. I received an notice from Capital One, regarding their investigation that they claim I authorized the {$250.00} to be applied to my son 's credit card and I also authorized a electronic payment for {$250.00} to a XXXX XXXX XXXX, routing number XXXX, XXXX account # ending in XXXX, showing XXXX XXXX # XXXX, XXXX XXXX # XXXX, dated XX/XX/2022. I did not authorize any external payment of any kind and I do not nor does my son have any banking relationship with XXXX XXXX Bank. It shows proof of electronic payment - case ID : XXXX. I also received another notice informing me that on XX/XX/2022 a transaction for {$6.00} was declined due to my checking account has a negative balance. I did not attempt to make any purchase from my Capital One, checking account on XX/XX/2022 for {$6.00}. I knew their was a problem with my checking account that I was attempting to resolve the issue and did not use the account under any circumstances. I would never consider having funds debited from my account knowing it's in the negative {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was trying to make a payment to Select Portfolio Servicing on XXXX/XXXX/2016 and it was refused. They threatened to put a foreclosure on my home.. In XXXX I filed a RMA Modification with them, they 've been making constant claims that they have not receive the XXXX pages needed almost deterring progress, they 've been giving me the run around after receiving the XXXX pages and then proceeding to ask for all pages, the first set of forms were faxed and mailed. I uploaded the form on XXXX/XXXX/2016 waiting to hear from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have been mailing written correspondence to Experian since XXXX of this year and as new inquiries appear on my credit report that I am not aware of authorizing. Unfortunately, there has been absolutely XXXX progress or traction regarding my written requests. 

The lack of action is very similar to when I was trying to update my personal information via their consumer portal at Experian.com. It is a dead end every time, and I am unable to sit on hold and wait for someone to answer. 

The climate surrounding the XXXX fiasco, has me very leery of just how seriously these folks take consumer protection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
There has been a theft robbery and burglary cases involving me lately. My XXXX XXXX  me with weapons and stole my account several times. I made report to dispute the hard inquiries that are on my credit reports and the soft ones. I reported this to XXXX XXXX tx police dept. They made attempts to keep me safe. But this man came back an ssf took my cards and finding some way of using it to get a room at XXXX XXXX and withdraws XXXX dollars from a store. Then with my identity he been trying pass it off as me and make out online or at stores and apply for loans to XXXX ace cash Express XXXX XXXX  and a numerous others. Please as she remove these negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I keep getting an address on my report and i have never ever lived there, so please remove it. XXXX XXXX XXXX XXXX, IL XXXX I have never even been there in my life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received my escrow analysis dated XX/XX/XXXX. There was an overage of {$3600.00}. It clearly stated that I had until XX/XX/XXXX to request the refund. 

I called XXXXXXXX XXXX on XX/XX/XXXX to inquire how/to whom I should send the request. I spoke with XXXX. He instructed me to email a letter, signed by my husband, with the account number in question to " XXXX ''. I emailed the letter on XX/XX/XXXX. 

I followed up on XX/XX/XXXX via phone and spoke with XXXX. He instructed me to resend the email to the same email address. I resent it. 

On XX/XX/XXXX I followed up via phone and spoke with XXXX. He instructed me that no notes were taken on the last two calls. XXXX said that he was a " supervisor '' and that he would get it straightened out and a check sent. 

on XX/XX/XXXX I followed up by phone and spoke with XXXX. She sent me a confirmation email that they had indeed received my email with refund request letter. She said that she would call me back with an update. 

on XX/XX/XXXX I followed up via phone and spoke with XXXX. She read the notes, put me on hold several times, and then proceeded to tell me that " they needed the refund request letter by XX/XX/XXXX '' and that I would have to wait for the next escrow analysis because I had missed the deadline. I instructed her that the letter clearly states " XX/XX/XXXX '' is the deadline and that I sent it in on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and received a confirmation email of XX/XX/XXXX. I did not miss the deadline. XXXX insisted that someone would call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: PA
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 have never applied for an auto loan with XXXX XXXX, this is a fraudulent account reporting on my credit profile which is violating my rights under Fair Credit Reporting Act 15 U.C Code 1681. This Fraudulent account is hurting my ability to obtain credit because my credit report is not updated accurately. I didn't give Equifax the right to furnish my consumer report to XXXX XXXX. Equifax is a third-party corporation, and I didn't give them permission to use or communicate my information with any third parties under U.S. Code1692c ( a ). I am demanding that XXXX be remove from my credit file immediately. 
I will be seeking statutory damages.

Company response to consumer: Closed with explanation