BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX, Chase, our mortgage lender made an unauthorized withdrawl from our external checking account, after I previously scheduled our XX/XX/XXXX monthly payment. On XX/XX/XXXX, I realized what happened and contacted them to have the unauthorized payment returned to our account, as there were overdraft fees associated with the withdrawl ; the funds were returned to our account on XX/XX/XXXX. I began the dispute process with my credit union for the overdraft fees on XX/XX/XXXX, and the fees were later overturned by my credit union, as Chase had returned the funds. 
When making our XX/XX/XXXX payment, I noticed it showed that we still owed for XX/XX/XXXX, so I contacted Chase and they advised, both payments were returned to our credit union account. I let them know that we only received one returned payment and they began to investigte. On XX/XX/XXXX our credit union provided us a provisional credit, for the dispute, but the funds have been on hold, since Chase returned the funds. 
I have spoken to numerous reps and managers at Chase and was advised this would not go on our credit as it was under investigation, and now it is reflecting on our credit. Chase is advising they returned both payments, have asked for our bank statements twice and conference calls with our credit union to verify there was a provisional credit given. We have complied with all they have asked and have asked for transaction IDs for the refunds, but Chase will not provide them to us. On XX/XX/XXXX, I spoke with a rep from Chase and he advised he did see our funds there, but could not locate where they went, and " escalated '' my call, but I was told they would have to do research. I let them know I would be contacting them again in the next couple of days. On XX/XX/XXXX, I made another call to Chase, this time with my credit union on the line to comply with their second request for a conference call, and the Chase rep advised she did see that Chase had messed up and our funds were there, but they were not able to locate them. She promised to get everything taken care of and we received a follow-up call from Chase on XX/XX/XXXX advising we are still a month behind. During this time Chase sent us a mortgage assistance packet and a letter advising us on how to avoid foreclosure, however, we are not behind on any payments, and continue to make our payments on time. We do not know where to go from here and want this resolved as well as our credit repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Attention : Wakefield & Associates reported me to the credit bureaus and the medical had been paid 6 months ago. 

This medical bill was paid to XXXX XXXX, after XXXX paid their share leaving a balance of XXXX. The bill was paid entirely XX/XX/XXXX. I was instructed by XXXX to pay my share of the bill, only after they paid theirs. 

I received my portion of the bill and paid it within 30 days, after I received my portion of the bill. XX/XX/XXXX. 

XXXX  emailed Wakefield & Associates, that the bill had been paid in XX/XX/XXXX. This could have been devastating if I were refinancing my home. 

When I contacted Wakefield and Associates, I was treated like a criminal and harassed because they made a mistake. They lowered my credit rating by 40 points causing a very high interest rates. 

All of the staff at Wakefield and Assc, should take courses on communication. I would highly recommend XXXX XXXX XXXX course in XX/XX/XXXX, in XXXX XXXX or a XXXX XXXX course. 

As always, the Golden Rule applies : Luke 10:27 - " ... Love your neighbor as yourself ... '' Sincerely, Reverend XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: FIRST HAWAIIAN, INC.
State: HI
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'm a loyal customer of First Hawaiian Bank ( FHB ), and in early XXXX, I opened an installment loan with FHB ; the term was XXXX months, and I arranged for automatic payments/withdrawal. Unbeknownst to me the final payment could not be made automatically, but rather require manual payment. 

I received notice in early XXXX that my final payment was past due because it was not automatically deducted and that I needed to make the final payment manually. Up until the final payment, I had never missed a payment. 

I called FHB on XX/XX/XXXX, and informed them that I didn't know the final payment had to be made manually, and that I could wire payment immediately. I was told if I initiated the wire transfer that day, I would be within 30 days of the due date, and therefore, it would not be reported to the credit bureaus as late. 

On XX/XX/XXXX, I received a call from FHB that payment was received and they would not report the final payment as late to the credit bureaus. 

In XX/XX/XXXX, I reviewed my credit report and noticed FHB did, however, report the payment as late -- and it affected my credit scores negatively by over XXXX points. 

I called FHB on XX/XX/XXXX, and left a message with the loan department to inquire about the situation. On XX/XX/XXXX, I called again and was told the loan department was unavailable but that a message would be left on my behalf and the loan department would return my call. On XX/XX/XXXX, having not yet heard back from the loan department, I called FHB again -- and once again was told the loan department is unavailable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I was the victim of identity theft in XX/XX/2014 and had money stolen from my checking account at XXXX XXXX XXXX during the period of XXXX through XXXX 2014 through unauthorized charges. I subsequently was able to launch investigations and with XXXX XXXX XXXX 's help I was able to recoup most of my money. However, I did fall behind on certain bills because of this issue. I incurred various 30 day late payments on XXXX accounts as a result of the identity theft in the period. XXXX 30 day late on my XXXX XXXX XXXX XXXX credit card, XXXX 30 day late on my XXXX Mortgage account, and several 30 day lates on my lending club loan account. I have been working with these XXXX creditors and the credit bureau ( Equifax ) but they do not seem to fully appreciate the issue. I do n't feel like I should penalized on my credit reporting which impacts cost of credit and job opportunities when I am the victim. When I try to discuss the issue with the creditors they tell me to speak to the credit reporting agency. When I speak to the credit reporting agency, they tell me to speak to the creditors. I am the consumer that is stuck in the middle and neither party can explain to me what the process is to resolve. I have also filed a complaint with the Federal Trade Commission and received an identity theft affidavit. I am including copies of the FTC affidavit as well as several claim forms from XXXX XXXX XXXX where I had to have XXXX XXXX XXXX investigate the claims. The claim documents were provided to the creditors and credit reporting agencies but I could not get a response from them on how to address this issue. Please let me know if you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: POPULAR BANK
State: GA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I OPENED A CD ACCOUNT WITH BANK ON INTERNET ON XX/XX/2016. I DEPOSITED MONEY WITH BANK. THIS IS A JOINT ACCOUNT WITH MY WIFE XXXX XXXX. THIS BANK HAS VERY BAD CUSTOMER SERVICE. THEY DID NOT SENT ANY LETTER REGARDING THIS NEW ACCOUNT BY MAIL. CUSTOMER SERVICE NEVER EVER GAVE PROPER & SATISFACTORY ANSWER TO ME. I AM QUITE UPSET WITH THIS BANK & WORRY ABOUT MY MONEY AT SAME TIME.

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 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT ACCOUNTS THAT DONT THAT BELONG TO ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: NJ
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:
There are some accounts on my credit report that I do not recognize

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 2016-01-13
Company: National Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called my cell phone and left a message and then went as far to call my place of employment and ask for the Human Resources department. This is an embarassment to me at my place of work for three years over something I dont even know of. Possibly debts that were from my XXXX. I am 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 2016-05-19
Company: Summit Financial Corp.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX XXXX, XXXX of Summit Financial Corporation called my place of employment because my payment was about XXXX week late. I asked her not to contact me at my place of employment because I am not allowed debt or credit collection calls at my place of employment. On XXXX XXXX, XXXX, XXXX called my place of employment because they had not received my payment that was due on the XXXX and left a message in my work 's voicemail. I returned her call on XXXX XXXX and spoke with her. I told her that payment was mailed on XXXX XXXX, and I asked her not to call my place of employment because I am not allowed debt or credit collection calls at my place of employment. XXXX became irate with me. I mailed a letter, via certified mail, to the company stating that I have asked them numerous times not to call my place of employment and that I would like them to stop calling because I am not allowed debt or credit collection calls to my place of employment. I also informed them them of XXXX rude behavior. The letter was delivered and signed for on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Experian Information Solutions 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:
I was billed for items I never received. I was charged late fees and finance charges for them. I have been disputing this constantly with the company since XXXX.2015. I have filed an FTC complaint as it is illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX act Convergent, Accounts Assoiated with XXXX, Experian, XXXX # XXXX, XXXX, XXXX, 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 XXXX Its also a consumer reporting agency can not furnish a account with out 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 explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions 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 am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$3200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I've been involved in the below fraud. XXXX  XXXX XXXX and XXXX XXXX keep saying " speak to my bank '' I requested a wire recall over 6 weeks ago originally. That was somehow lost. I've been scammed out of a significant amount of money ( over {$120000.00} in total, {$65000.00} from XXXX ) and I feel like my bank has done nothing to assist and the other banks won't speak to me because I'm not a customer. I need my bank to go to bat for me and get the money bank and have an open line of communication with me. 

XXXX XXXX Case Fraud number : XXXX XXXX  XXXX XXXX Fraud Case number : Claim # XXXX and Claim # XXXX I was involved ( the buyer ) in a real estate transaction where XXXX XXXX called my title company and said they wouldn't release the funds to the seller because they were running a deed fraud scam and the name on the account did not match the account number. Today has marked 7 weeks. This was not able to be recorded obviously because it was flagged as fraud. A wire recall was supposedly requested by XXXX  XXXX XXXX as requested by XXXX XXXX over 6 weeks ago. I cant get any information at all. The title insurance wont pay out because its fraud and XXXX XXXX said theyd return the funds. XXXX  XXXX XXXX won't answer any questions regarding this case either. Both are pointing the finger and saying the other bank isn't responding. If XXXX XXXX is looking to make sure the case was fraud before returning the funds my title company sent hold harmless over two weeks ago, but also if you need proof that it is fraudulent ( and it's the first thing I noticed that the title company should have caught ) is that the notary stamp on page 6 ( below ) you can look up commission ID 's on Pennsylvania 's department of State website and can see that the name does not match the commission number. If you call the notary with this commission number ( her number is in the department of state directory ) she confirms she did not notarize this transaction. The Driver 's license provided as ID to the closer the DL number does not exist according to the records. I can't get any answers from anyone on this they keep telling me to speak to my bank, but my bank has said XXXX XXXX and XXXX  XXXX XXXX aren't responding. Thank you for your attention to this matter, XXXX XXXX ( XXXX XXXX XXXX XXXX )

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: EQUIFAX, 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:
I was billed for items I never received. I was charged late fees and finance charges for them. I have been disputing this constantly with the company since XXXX.2015. I have filed an FTC complaint as it is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$4700.00} 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 XXXX ( Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX XXXX  ), THE XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX  XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$64.00} XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Experian for them to remove the items and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. Experian is given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX, AZ 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 explanation
Consumer complaint received 2020-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I do not identify with this debt please delete

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