BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-16
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I get calls on a daily basis, something two or three in a day from phone # XXXX, claiming it is JP Morgan Chase bank. The automated message says that it is important the I immediately return the call, and provides a toll free #. The latest call was after XXXX XXXXXXXX XXXX on Sunday, XX/XX/2019. I have been ignoring these calls because I haven't received any electronic messages ( e-mails ) from Chase, and there are no messages for me on the Chase web site. However, I called Chase ( phone # on the back of my Chase card ), and was informed that XXXX is a " phishing '' #. Please investigate the organization that owns this #, and prosecute them to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: EQUIFAX, INC.
State: DC
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:
Certified Mail No. XXXX XXXX XXXX XXXX XXXX United States Postal service document to remove inquires that are inaccurately reporting and not 100 % verified thereby must be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Company: EQUIFAX, 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:
Hi, I have been trying to get in touch with equifax for over a month with access to my account so I can submit a dispute. For some reason, my account can not submit disputes. 



I have called weekly since XX/XX/24, and I am told there is nothing they can do to fix my account. I have my ticket # which should be resolved, but it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
on XX/XX/XXXX I wrote a letter to XXXX, Equifax, and XXXX asking them to delete all inaccurate personal information from my credit report I mailed in supporting documents such as current drivers license, birth certificate, social security card, current utility bill, ect. and they still failed to update my personal information. again on XX/XX/XXXX I sent a second letter to all three credit bureaus with supporting documents and again on XX/XX/XXXX a third letter with little to know result. Some information was updated and removed with XXXX, and Equifax, but nothing changed with XXXX, and XXXX has been the most difficult to work with. I even sent in a police report where my wallet was stolen that had my current drivers license, and social security card in it. 

I have continued to send letters with little to no results : XXXX letter sent XX/XX/XXXX letter sent There was a collection from XXXX that showed up on my credit report at the end off XXXX or the begging of XXXX I tried to dispute that, but that came back as verified. I have requested a debt validation letter from all three credit bureaus, and I have not received anything. I have not received anything in the mail from XXXX and I truly believe that this collection does not belong to me. 

After my wallet was stolen I started seeing hard inquiries appear on my credit report I don't know what else to do, but the information that they refuse to update or delete is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Santander Consumer USA Holdings Inc.
State: TN
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:
Last year I had XXXX XX/XX/XXXX to XX/XX/XXXX of 2020. I had a late payment with Santander auto finance. I immediately had my aunt die out of state due to XXXX. I had to travel to take care of my grandmother. I was completely devastate by COVID during this era of life. I asked Santander to help with the late payment reported and they said there was nothing that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Aldous & Associates, PLLC
State: NY
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:
I recently went on XXXX to check my credit and saw that there was a derogatory account listed. I was surprised and looked into it and saw that it was put there by a collection agency operating out of Texas called Aldous and Associates, with an address of XXXX XXXX XXXX, XXXX, UT, XXXX and telephone number XXXX I called up the company to find out what was going on, at which point XXXX the agent, was very rude and only interested in a payment. He told me that they would continue to put the derogatory payment on my account unless I paid the {$100.00} owing. I tried to explain to him that the debt was not valid and moreover, the Fair Trading Practices Act clearly states that a debt collector must send a consumer a written notice containing certain enumerated information about the debt and state that I have 30 days after receipt of such notice to dispute the validity of the debt or any portion thereof. No such letter was sent out to me and so I had no idea about this so called debt, so I was not able to validate the debt, which is ruining my credit. He hang on the phone on me because I told him that I was not going to pay the so called debt. This failure on their part violates my rights afforded by the statue and also the fair debt collection practices act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following information on my file. I recently learned that my personal information was used to open an account at FRANKLIN AMERICAN MTG. I did not open or authorize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
To whom it may concern, I was going over my credit report in the past few days. Today is XX/XX/XXXX. I have noticed a bunch of fraudulent activities I do not recognize. I tried calling some of these companies and have gotten the run around and basically told to dispute with transunion. I called trasunion a few times to get these items removed but never a live human on the telephone. They have given me 34 hard inquries. Only a handful of these are accurate. Going forward I am changing all my passwords and stuff so this does not happen again. Here are all the ones that are inaccurate that I need off my credit report. I will even attach four screen shots from my XXXX XXXX account so you guys can see. All of the following was never authorized by me XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2019-08-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Helllo, I attempted to transfer money ( {$1600.00} ) from my XXXX account to my checking account on XX/XX/2019. However, I inadvertently sent it to a USAA checking account I do not have access to. It's an active account but I am no longer listed as a user on the account and haven't been for over a year. When I realized the mistake I contacted XXXX ; the representative said that because the transfer was accepted by USAA that I'd need to call USAA to fix it on their end. So, I contacted USAA. The USAA representative said that because I do not have access to the checking account, there's nothing USAA can do and it would need to be resolved with XXXX. I contacted both XXXX and USAA additional times to relay what the other institution told me, without luck any time. Ive filed claims ( denied by XXXX, determined that it wasnt actually unauthorized activity ) and sent messages but both insist that it must be handled with the other institution. I also contacted the CFPB by phone but the representative said the only thing she could find was to contact XXXX, which of course, I've already done. The money didn't go to the intended recipient and I just want it to go back to originating account. I'm stuck and havent been able to find any potential resolution to recover the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX   CARD, XXXX/XXXX  and XXXX 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 2022-04-01
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have been found fraud in Financial agreement with Credit acceptance. Stated By law under Truth in Lending Act, these violations must be compensated and due to fraud the contract automatically goes into default. I have sent out letters to Company CEO XXXX XXXX to resolve this matter asap.

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 2021-03-29
Company: U.S. BANCORP
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2021 I made a {$27000.00} payment toward a new vehicle loan with US Bank. The total value of the loan was approximately {$29000.00}. 

US Bank withdrew {$27000.00} from my XXXX XXXX account TWICE, taking a total of {$54000.00} dollars. I have been in contact with US Bank at least three times a week since, and have been promised the money will be returned " in time '', and I simply have to wait. It has been three weeks, and I don't believe it is reasonable I should continue to have my funds withheld. 

Additionally, I have not received even an apology, or any indication I will be compensated for the interest I am losing on this money. However, I am continuing to to get invoices for my next monthly payment! 

I have filed a complaint with US Bank several times, each time being told someone would follow-up with me in 24-48 hours. I have never received a response. I don't believe US Bank intends to respond. 

I was originally told US Bank would return the funds last week via XXXX, and that did not happen. Supposedly a check has been issued, but it may have been placed in regular mail. US Bank clearly demonstrates it sees no urgency in returning these funds. 

I would like to receive a pay-off amount, without penalty, and close this loan. I do not wish to do business with US Bank any more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11
Company: Experian Information Solutions 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:
I am disputing to remove ALL inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per 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 2021-06-14
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I had a lot of trouble with US Bank ReliaCard. My card and all of my personal information associated with the card were compromised on XX/XX/XXXX. After alerting US Bank ReliaCard services about the security breach, my card was locked, and it had been a nightmare trying to get restore my personal information and unlock my ReliaCard. To date, we are still disputing several fraudulent charges and waiting for resolution to unlock the card.The bank has asked me to fax them VERY sensitive personal information, a handwritten note about restoring my personal identity, along with photocopies of personal ID. I have provided everything as requested, both with my driver 's license for the first fax ( sent on XX/XX/XXXX XXXX, and a passport for my second fax per their request ( sent on XX/XX/XXXX ), and they still have not done anything to resolve my issue. We are racking up on our credit card debt to cover the cost, and I am also deeply concerned about my personal information. Out of fear, I started to pay out of pocket to monitor my identity and credit activities due to distrust of US Bank 's security system and their handling of my personal information. Right now, our family have no access to thousands of dollars of my unemployment fund. I sit on the phone for hours every day and US Bank ReliaCard has done nothing to help me resolve issues. I appreciate your advocacy for all of us who are struggling during this difficult time. 

Thank you.

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 2019-08-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
WE ARE GOING TO START A INVESTIGATION ON OUR TOXIC MORTGAGE WE HAVE WITH SELECT PORTFOLIO SERVICING INC. 

UNDER OUR HOMEOWNER BILL OF RIGHTS YOU NEED TO INVESTIGATE THESE VIOLATIONS ON OUR MORTGAGE. 

WHEN YOU COMPLETE YOUR INVESTIGATION ON OUR REQUEST MAIL YOUR COMPLETED INVESTIGATION VIA UNITED STATES POSTAL SERVICE TO OUR HOME ADDRESS XXXX XXXX XXXX XXXX XXXX CA XXXX Stop foreclosure process on our home immediately. 
1. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( A ) 2. VIOLATION OF CALIFORNIA CIVIL CODE 2923.55 3. VIOLATION OF CALIFORNIA CIVIL CODE 2923.7 4.VIOLATION OF CALIFORNIA CIVIL CODE 2924.9 5. VIOLATION OF CALIFORNIA CIVIL CODE 2924.10.

6. VIOLATION OF CALIFORNIA CIVIL CODE 2923.17 7. VIOLATION OF CALIFORNIA CIVIL CODE 2924.18 8. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( C ) 9. BREACH OF IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING 10. VIOLATION OF THE UNFAIR COMPETITION ACT CALIFORNIA BUSINESS & PROFESSIONS CODE 17200, ET SEO 11. NEGLIGENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX *XX/XX/2019 XXXX XXXX  * ACCOUNT 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 2020-01-29
Company: RELIANCE FIRST CAPITAL LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been working with reliance first capital llc out of Ohio. This process started in XX/XX/XXXX. We found a house in XX/XX/XXXX and began the process of an fha loan with myself as the borrower. I had a bankruptcy in the past with a discharge date of XX/XX/XXXX. I do however make over XXXX $ a year. 
From XX/XX/XXXXXXXX XX/XX/XXXX I have sent all documents including court papers. My attorney wrote up documentation and also sent documents. The underwriter stated he does not see enough evidence and will not allow a loan until XX/XX/XXXX 2 months after the discharge date. The underwriter has asked for item the I feel are outside of the scope of this loan. Including student loans from 20 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute the following information on my file. I recently learned that my personal information was used to open an account at PORTFOLIO RECOVERY A. I did not open or authorize this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the accounts listed below have 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 XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: WESTERN UNION COMPANY, THE
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I initiated the transfer of $XXXX MTCN XXXX from USA to XXXX on XX/XX/2019.This transfer never went through. Western Union never contacted me to inform me that the transfer was rejected by the mobile wallet carrier until I contacted Western Union 3 weeks later. All this time I presumed that the transfer had gone through.After contacting them several times they continued to tell me that I would get my refund as soon as possible. I have been chatting online with their representative who acknowledge that my transfer was rejected by the mobile wallet carrier and the chat team directs me to call this number XXXX  or XXXX and whenever I call my call is always get my calls dropped. The last time I had the chat team call me instead of me calling them was on XX/XX/2019 where one of their representative named XXXX informed me that I would get my refund within 24 to 48 hours. Still nothing happened to date. I just  finished chatting online with one of their XXXX XXXX XXXX who told me the same story. See attached chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Civil action lawsuit judgment has been in the favor of the consumer. Reconciling this debt and to be removed permanently from consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In  XXXX    XXXX  , the medical lab,  XXXX , performed wrong blood tests, not what was ordered by my doctor. They acknowledged the error and I was told there would be no charge to me. Shortly thereafter I began receiving bills from  XXXX  which I forwarded to my doctor 's office. They called  XXXX  who assured them the matter was taken care of but I continued to receive bills from  XXXX , and now from debt collection companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
My name is XXXX XXXX and I am writing about an entry listed on my credit report which does not belong to me and should not be listed. Apparently someone with a similar name to mine filed bankruptcy in the in the US Bankruptcy Court of XXXX XXXX, and it appeared on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. They said it may have come from a 3rd party furnisher called XXXX XXXX. I contacted XXXX XXXX with my address, full name and full social security and they do not have any record. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
XX/XX/2020 Im having trouble linking and adding funds on my virtual accounts through XXXX  XXXX   XXXX. After putting my login info i would get a message saying that you bank has made changes to prevent you from linking your account. Ive called my bank and all they told me was to try to link it manually and its doest working.

Company response to consumer: Closed with explanation