BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: Aldous & Associates, PLLC
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: Problem with personal statement of dispute

Complaint:
I have settled a debt with Aldous and associates on XX/XX/22 and they have not cleared the debt to the credit reporting agencies. Worse yet, they also have other collections made in my name ( no social attached btw ) that are another person not mine ( I dont even live in Utah and never have! ). When I told the associate this, she hung up on me so it remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I sent a debt validation letter. LVNV Funding received my letter on XX/XX/2022. I later received 2 letters and included billing statements. There was no contract of agreement included. Licenses of business or any of the required documents. I recently responded back to LVNV funding on how they violated my rights has a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage is owned by XXXX, we have painfully dealt as best we can with all of the shenanigans our lender has stuck us with over the past 10 years. XXXXGreentree&gt;Ditech, A XXXX company.  We have battled almost every step of the way when my husband was XXXX in XX/XX/XXXX.  Now we are in foreclosure again due to a modification trial payment mishap which now has us devastated and in fear of losing the one thing that we have worked so hard to keep since purchasing in XX/XX/XXXX.  I've tried calling my "acct rep" multiple times, left many messages, emailed a request for them to call me, and have called the main number several times with no success getting someone to help us.  My calls going unanswered and ignored have me furious and suspecting that we are being mistreated in every possible way.  Like many others I've read about dealing with similar problems with this company, I feel certain these are not simply "isolated cases" and certainly no accident.  I want to keep my home and they don't care to help properly. They've changed my account number multiple times, and assigned me many different reps through the years, now I feel I'm falling on deaf ears.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Experian Information Solutions Inc.
State: FL
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:
This is the second time I reaching out, I never Authorized this Joint account that is on my Fraudulently on my Experian Account. Please remove 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 2017-10-03
Company: EQUIFAX, INC.
State: CT
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:
My XXXX Credit Report shows that I had a XXXX Card, XXXX XXXX Card with a balance. Those cards are not mine and they refuse to remove them.  My XXXX Credit Report also shows a Bankruptcy and a XXXX  Card that is not mine.  They refuse to remove these items.  Please contact XXXX to remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: JPMORGAN CHASE & CO.
State: MO
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:
My ex husband was awarded the credit card debt in our divorce per the divorce decree MO case number XXXX. When I had access to the joint funds, I had paid these and had the accounts in good standing, but since the divorce, he has neglected to pay them, and it has dropped my credit score significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital Accounts claims that I owe a debt # XXXX for {$3000.00} from XX/XX/XXXX. They say they are from XXXX?? 

I explained to them that this debt is not mine. I also explain to them that I was incarcerated in a Federal prison in XXXX?? It would have been impossible for me to make these charges!! 

I never signed and document of agreed to any of the charges they claim. they are not my charges. I have been divorced since XXXX. I believe these bills were made by my ex-wife. I know nothing of these bills, nor was I ever called to authorize them or assume responsibility for them. 

I have asked Capital Accounts SEVERAL TIMES to remove this item from my credit report. I also asked them to provide me with PROOF of these charges and PROOF that they are mine. They have informed me that they have NO supporting documents to supply me!! 

This item # XXXX has to be removed immediately! It is over 11 years old! It is  unlawful to makeup charges and attach them to someone credit report without any supporting documents or proof that the claim is valid. 

Please have them remove this item from my Credit Report with XXXX, XXXX  and XXXX XXXX Immediately. Thank you I 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 2022-05-18
Company: Kriya Capital, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX the collection agency Credence Resource Mana add a derogatory mark on my credit report per XXXX. Upon, Further research, this account was transferred/sold and i am no longer responsible for the account. This creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( Credence Resource Mana ) has violated my rights as a consumer and i am requestion legal actions to remove this account immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04
Company: Arnold Scott Harris, P.C.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I called the law office of Arnold Scott Harris located In XXXX II on XX/XX/XXXX to inquire about phone calls I had received. The girl told me I had a " ticket '' for resisting arrest and another ticket from XX/XX/XXXX for speeding. She asked how would I like to pay the fine and I told her I was unable to at this time. She then went on to say there 's a hold on my licence ( which is not true because I just renewed it XX/XX/XXXX ) She then went on to say that I would be taken to court and " XXXX county will put a judgement against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Mortgage Modification completed XX/XX/XXXX, signed docs and submitted to bank. This was a fixed rate for first 5 years then rate increases almost a point per year for the next 3 years ( Stepped rate ). Less than 30 days later bank sent a new contract with same rate but fixed for 30 years and told me I had to the choice to keep the current or go with the new contract that was provided in XXXX XXXX. Second set of docs were signed as it was a better deal offering fixed rate for 30 years ( no brainer ). The same 30 year fixed rate contract was submitted to XXXX XXXX NJ as official record. XX/XX/XXXX I received a letter explaining my 5 year fixed rate lock would expire XX/XX/XXXX and rate would increase by a full point. I explained my situation that the signed contract I have from XXXX XXXX is the one that Chase bank said was the one in force. 4 weeks later ( XX/XX/XXXX ) Bank said they were not going to honor the XX/XX/XXXX contract ( Fixed ) and only use the XX/XX/XXXX ( Stepped ). They also told me this is what they decided and that there was nothing I could do about it and would not allow me to talk to any supervisors as it is a done deal. 
Please also note they raised my rate XXXX XXXX XXXX instead of what on the stepped contract of a XXXX XXXX XXXX execution date. 
Chase has come up with so many poor excuses for not honoring the contract I have, also I always get a different story on why they are going with the XXXX contract but no reason why they ca n't honor the XXXX. 
Please help me get JP Morgan Chase honor the contact that we agreed to 5 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter of on XXXX XXXX to remove personal information/incorrect spelled names,0ld address that i did not want on my consumer report according the fair credit reporting act 15 U.S.C.1681 I have the right to privacy, 15 U.S.C 1681b ( a ) ( 2 ) also it states a consumer reporting agency can not furnish a account without my written instructions. Also according to 15 U.S.C.6802 no financial institutions are not suppose to share my information to third party people. There is a clear violation of my federally protected consumer rights

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 2017-01-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, 2017 CFPB : XXXX XXXX XXXX JPMChase refuses to disclose to me the information about my Residential Mortgage Loans that it has reported under the Home Mortgage Disclosure Act ( HMDA ). I want, and need, to receive all such information. 

Sincerely, XXXX XXXX, IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I went a mortgage broker that I had previously work with to request for a preapprvoal for a purchase on my primary home. He is now working at Chase Bank. The initial process went fine without a hitch. However, the loan is now held up with their XXXX in XXXX, FL. No one is getting back to me on when my loan documents will be at Escrow for closing. My purchase is now out of contract and possibly I may lose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I got a car loan from XXXX XXXX XXXX and every time I made a payment my balance never went down for 2 years until noticed 2 yes later and started getting money orders then I started seeing balance get lower but until then no. Overdraft fees that shouldn't have been and also in XXXX of 2022 the atm took my {$150.00} and it NEVER came back on my card and banker act like they couldn't help me. I need up loosing my truck and still owe XXXXXXXX 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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXXXXXX XXXX XXXXXXXX this isn't 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 590. 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 n 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2017-01-30
Company: Receivables Performance Management, LLC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On XX/XX/2017, I received an alert that a collection has been placed on my XXXX credit report by Receivables Performance in reference to a XXXX account. I tried contacting Receivables Performance directly to inform them that this account is fraudulent, and that I had this issue once before with another collection about the same account. The first representative hung the phone up in my face. The second call I asked to speak with a manager, I was placed on hold and the phone disconnected. The third call, I inform the receptionist that I need to speak with someone, she told me she could not help me, and transferred my call. Once again I could not speak with a live person about this account. I have made six attempts via telephone and was unsuccessful each attempt. I have never heard or had any communication with Receivables Performance. This is the second time a collection company has put fraudulent, inaccurate, and non-validated information on my credit report. I have all the documentation from the previous collection company, and XXXX clearly stating the account is fraudulent. Please remove this account from my experian credit file 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 2017-02-20
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I REQUESTED DEBT VALIDATION WHICH WAS SENT VIA CERTIFIED MAIL REF # XXXX WHICH WAS REC 'D BY COLLECTION CONSULTANTS ON XX/XX/XXXX/17. I HAVE NOT RECIEVED ANY RESPONSE WITHIN 30 DAYS AND SENT 2ND REQUEST ADVISING THEM TO REMOVE FROM CREDIT REPORT DUE TO FAILURE TO RESPOND TO MY REQUEST FOR DEBT VALIDATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a Citibank checking account online in XXXX of 2021, but the checking account was closed by Citibank for violating bank standards, even though I never even used the checking account at all. Citibank is discriminating against me based on my race, me having a Chapter XXXX bankruptcy discharged on my credit report, and Citibank is denying me an opportunity to open up a checking account, and secured credit card with the bank. Citibank is in complete violation of the Equal Credit Opportunity Act ( ECOA ) under federal law.

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 2021-09-04
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I believe this is an issue for the FTC but the FTC website took me here but anyway : Chase Freedom XXXX Card website. 
See https : XXXX? XXXX & XXXX & gclsrc=aw.ds & XXXX & XXXX XXXX XXXX The website has numerous superscripts that appear to be intended as footnotes presumably intended to refer to limitations or warnings regarding the terms of the card. However, no footnotes are on the web page. 

I believe this violates the FTC standards on unfair competition.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
NYS Child Support put Restraining Notice on my account. Now the bank is doubling the order. I want to close my account because Chase say I have to pay Overdraft or Insufficient Fund fee plus they Monthly Fee since I will not be using my account till this problem is resolve. I no longer want this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-04
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Louisiana Recovery Services is reporting a collection on my credit report that I have requested on more than one occassion to be validated or more information be sent to me on this account and I 've yet to receive any correspondence. Because I am having tons of issues with billing and my I have lots of medical debts, I have no idea how to compare what they are reporting without any documentation or how to contact my insurance company about a debt they are reporting because I have nothing to go off of and no information to give to the insurance to see if it as properly claimed etc. Because this company refuses to respond they are violating the law and I am requesting the account be truly validated or removed from my credit report immediately. I mailed a certified letter on XXXX/XXXX/2016 and also XX/XX/XXXX and it 's now XX/XX/XXXX and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My business account being charged a business analysis fee monthly by Regions bank when open document nothing is there and I have asked and asked why and there is no report. I was told that's a report and fee charged to all business

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 2021-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't really accept that I had this record with these authorities/leasers. I attempted a couple of times to get in contact with them and solicitation proprietorship verification, however, they neglected to give me the significant desk work to demonstrate that I really own this record.

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 2020-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I came home and had a court ordered document taped on my door for everyone to see. I was out of the State for a few days because of a family emergency so I am just receiving the notice. I was never contacted by phone by a constable. I left to go out of town on XX/XX/XXXX that afternoon and it shows on the document that it was left on XX/XX/XXXX at XXXX. I was never served by the constables or by certified mail. I live in an apartment complex which anyone has been able to walk by and see the documents with personal information on it. We are in a pandemic right now which funds are very low because I am a single mom. I am being sued by Portfolio Recovery which XXXX is the original creditor. The amount I am being sued for is in the amount of XXXX. A few weeks ago a lady came to my door and wanted me to open but refused to identify herself. I live alone with my son and I am taking every steps to avoid being around anyone who is sick with COVID-19. The lady kept telling me I needed to open the door so she could hand me a document but I told her that I needed to know what this is about and there is no way I'm opening my door for a random person. I asked if she could leave the document and she refused. So again instead of me being properly notified meaning by certified mail or by a constable the court document was taped on my door with personal information and for the apartment complex to see. 

On the court document it says that the petition was filed on XX/XX/2020 but papers was left on my door on XX/XX/2020.

Company response to consumer: Closed with explanation