BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: JPMORGAN CHASE & CO.
State: TN
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
1. CD originally purchased by XXXX XXXX ( father ) and XXXX XXXX ( daughter ) on XXXX XX/XX/XXXX from XXXX XXXX XXXX XXXX, XXXX Indiana ( now part of JP Morgan Chase ). 
2. On XXXX XX/XX/XXXX, attempt made to redeem CD at Chase Bank XXXX, XXXX XXXX, XXXX, TN ( XXXX XXXX, Asst. VP ). We were advised that it could not be redeemed as the bank had to check their records. A pdf file of the CD was provided as well as marriage record for XXXX to verify current last name. 
3. After several exchanges with Mr. XXXX, he called ( XX/XX/XXXX ) and said to check with Indiana State Treasurer to see if CD funds had been turned over by bank to state as ( lost ) or abandoned funds. 
4. Indiana State Attorney General 's Office reported back ( XX/XX/XXXX ) to us that these funds were never turned over to State and thus were retained by the bank. 
5. In a number of exchanges with the bank branch ( including XXXX XXXX, Vice President ), XX/XX/XXXX and later, we were told that the bank continues to check and determine resolution ( that never happened ). We advised bank of call to State Attorney Generals Office and again provided copies of CD and marriage certificate. 
6. Further sporadic calls ( XX/XX/XXXX, XXXX ) were received from Chase, from people who only gave their initials or first names, ( AD, XXXX, XXXX, ... ) ; including from " Dispute Resolution ''. All said that digital records could not be found due to age of CD and redemption unlikely. 
7. Shortly thereafter, a call was received from a specialist from the executive office who said our CD would not be honored. Our position was that : We have the original of the CD, and that should be evidence of its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EdFinancial Services
State: LA
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:
All the accounts that are listed on my credit report was not given permission to share my social security number with anyone and the distributed it without my consent. They all have violated 15 USC 1681, 15 USC 1681 Section 602A, 15 USC 1681 Section 2 of 604A. I have sent all information to both Experienced and XXXX and have not gotten the problems corrected. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX Bank all violated according to the XXXX Bank XXXX of 1863, 31 USC 5118, 15 USC 1602g, UCC 3-104, 12 USC 1431 , and 42 USC 408 . All were sent out negotiable instrument from attached statements as well as approved 1099-A payments and all of the companies kept the negotiable instruments as payment but didn't apply it to my account. I sent all companies a copy of my documents with a Conditional Acceptance Letter. I do not owe neither of them because I am not the person of the " all caps '' name. I am the representative of that person and they knowingly sent the information without consulting me. I request the original primossary note, 1099-A, that was filed according 15 USC 1666D , 15 USC 44 , and 12 CFR 1026.17 that is defined in the IRS Publication XXXX. Still have not gotten that and its been since XXXX. Everyone was asked to provide me with proof of claim that the credit agreement was a lawful and enforceable contract signed by both parties giving equal consideration. As well as asking for proof of claim that they had my consent to issue any of my personal trust information to any third party pertaining to valid lawful agreement signed by both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I requested my credit score and paid a special reduced fee for providing the score from Experian. Later, when I found out they had charged me {$21.00} in addition to the {$1.00}, I called them to cancel the charge and the account they said I had opened. Their representatives made me wait a long time on the phone before I could even talk to someone, and even then I found no legitimate reason for the charge. They said it was for a monthly membership but I told them I was not interested in this service. But they said I could not cancel it even though it was the XXXX day of the month-long " service. '' I have no idea what service they are providing and would like my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05
Company: Avid Acceptance, LLC
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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, XXXX, Avid Accepta add a hard inquiry on my credit report. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I sent certified letters disputing these unknown inquiries to no avail they were not removed. it has been over 60 days since i have been requesting for validation and deletion

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 2016-03-22
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Delinquent account

Complaint:
There is a judgment against me from Citi Bank. This credit card did not belong to me. I never filled out an application for this card. I never had a credit card from this company with my name on it. I have contacted the collection agency for this account over 30 days ago and the collection agency states they still do not have a no response from Citi Bank. I contacted Citi Bank and they would give me absolutely no information and kept telling me to contact the collection agency again. Citi bank also told me over a week ago someone from their legal team would contact me. No one from Their legal department has contacted me. When I was married my ex husband had a Citi Bank card but I was never even an authorized user. I am not sure how his debt got put in my name. This judgement was placed on me without any notification. I was never served any court documents. This account dosent show on my credit report at all as being delinquent. Just out of no where a judgement was placed against 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 monetary relief
Consumer complaint received 2022-06-04
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: Credit inquiries on your report that you don't recognize

Complaint:
i have reported on several occasions about the unknown inquiries and they were not validated or removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: MD
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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-21
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have submitted multiple letters and have made phone calls to start thethe process to remove my PMI. I have different pages in my original note that ate conflicting. However, Per one of my notes, I am eligible to pay for a appraisal, of their choice, to be able to determine removal of my PMI. My home is now valued at more than the the required amount to remove my PMI. Citi Mortgage will NOT honor what my original note states. I have been paying PMI fees for way too long. My home has a balance of XXXX and is estimated worth XXXX. 
Please Help. Also, my payment goes up XXXX % until 5.25 %. My loan Modification in 2009 appeared to be good, but is n't.

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 2015-07-06
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Other fee

Complaint:
Best Buy Credit Card ( hereinafter referred to as " company '' ), offered through CitiGroup, assessed a non-disclosed " debt protection fee '' on credit card by a third party vendor. Requested documents pertaining to this service and refund for fees inappropriately assessed in XXXX XX/XX/XXXX and XX/XX/XXXX. Company stated that they were unable to cancel the service and that I would have to contact the third party myself. Informed the company of my intent to cancel the card. Company responded that they would cancel the debt protection service and proceeded to terminate the card. Company failed to provide copies of privacy notices and documents pertaining to the card per my initial request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-25
Company: Mercedes Benz Financial Services
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
Mercedes Financial has been reporting incorrectly to all bureaus and I have written letters and contacted them directly no correction has been made. I even wrote the bureaus and still over 6 months no corrections. Also they have reported 3 late payments and I was never late. I would like this resolved because of inaccurate information for the loan payment amount which should be {$810.00} they show {$760.00} which I have a contract so do they. I have done my part numerous times and bureaus only tell me its correct even though my contract says otherwise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Total Card, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen and used to open up credit cards including this one I contacted XXXX Bank and XXXX to no avail then they sold the debt to XXXX this is not my dad I have disputed it with all three credit bureaus and XXXX without investigation or providing any proof says the debt is mine and the credit bureaus believe them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have recently disputed an item I feel is inaccurate or does not belong to me. Some items are reporting as duplicate accounts and the credit bureaus refuse to investigate my account in dispute. XX/XX/XXXX with Experian, XX/XX/XXXX as well.

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 2016-02-11
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
When applying for a XXXX account online on XXXX XXXX I was given the option to fax in a form to use a credit card or debit card for funding. I called on XXXX XXXX to see if I could speed up the process and complete the funding by credit card over the phone but was told they would no longer accept that type of funding per corporate communication that very day. I asked if any of the faxed forms would be processed if it was already received and I was told it would not. 
XXXX, a supervisor, gave me a call back on XXXX XXXX to explain that they could no longer accept this type of funding. Because I was given the option upon completing my account registration online, I believed that I should still be given the option to fund by credit card unless there was something stated in the terms and condition that the option could be taken away at any time without notice. XXXX could not verify that there was any such language in the terms and conditions to that effect. 
I think anyone who signed up for an account prior to this new exclusion to funding sources should be allowed to complete funding under the previous rules unless it was otherwise stated in writing prior to signing up for the account that the option could be removed at any time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04
Company: Chime Financial Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My issue is with CHIME / XXXX XXXX IN XXXX OF XXXX I deposited {$1000.00} FROM MY XXXX XXXX XXXX TO MY CHIME. 

CHIME KEPT MY {$1000.00} and CLOSED MY ACCOUNT!!! 

The first refund check they sent me was drawn on XXXX XXXXXXXX XXXX THERE IS NO XXXX XXXX XXXXXXXX WITHIN 100 MILES OF XXXX NM!!! XXXX WOULD NOT CASH IT CHECK N GO WOULD NOT CASH IT SO IT EXPIRED!!! 

The SECOND ONE WAS LOST. 

Now FOR THE 3rd ONE I HAVE SENT THEM A PICTURE OF ME HOLDING MY DRIVERS LICENSE THAT I TOOK MYSELF AS WELL AS JUST MY DRIVERS LICENSE ALONE OVER 5 TIMES NOW ALL ARE VERY CLEAR!!! 

I HAVE DONE EVERYTHING THEY ASKED AND THEY KEEP LYING TO ME SAYING I SHOULD GET IT NO LATER THEN XX/XX/XXXX THEN THEY SAID XX/XX/XXXX IT IS NOW XX/XX/XXXX AND I STILL DO NOT HAVE MY {$1000.00} FROM CHIME!!! 

THEY KEEP GIVING ME THE SAME AUTO BOT RESPONSES!!!! 

I HAVE BEEN WAITING FOR 2 YEARS NOW FOR MY {$1000.00} REFUND!!! IT IS THEFT!!!! 

I WANT MY MONEY I NEED IT NOW!!! 

I no longer have access to the email I opened the account with and I have explained this many times and provided a good one I use now. They keep saying how sorry they are and the check is in the mail!!!! I STILL DO NOT HAVE MY {$1000.00} I HAVE SENT PICTURES OF ME HOLDING MY DRIVERS LICENSE MANY TIMES SELFIES I TOOK!!! I DID EVERYTHING THEY ASKED MANY TIMES NOW YET THEY JUST GIVE ME AUTOBOT RESPONSES I CAN NOT GET THROUGH ON THE PHONE NOW TO SPEAK WITH ANOTHER MANAGER TWO YEARS IS WAY TOO LONG!! 

Its THEFT THERE IS NO FRAUD ITS MY MONEY MY ACCOUNTS I HAVE PROVEN THAT SO THERE WAS NO REASON FOR ANY OF THIS I JUST WANT MY MONEY IT SHOULD NEVER BE THIS HARD OR TAKE THIS LONG TO GET MY MONEY BACK!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, N .M. XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX {$1000.00} FROM XX/XX/XXXX WHEN CHIME KEPT MY MONEY AND CLOSED MY ACCOUNT I OWE CHIME NOTHING!!! 

TWO YEARS NOW!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Other fee

Complaint:
I had a bestbuy credit card account with a {$300.00} line of credit. They wanted to charge me an annual fee of {$53.00} in XXXX. I sent them an e-mail requesting that they waive the fee since I was uncomfortable paying the fee. They refused. I spoke with them again and asked on their chat application. They said they could n't waive it so I asked them to close the account. They never said they would continue to charge me for the fee and now they 've hit me with a {$32.00} late fee. They also call XXXX a day harassing me. I want this resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-04
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX, 2016 at XXXX, I received a voicemail message from Dynamic Recovery Solutions from phone number ( XXXX ) XXXX stating that there was a " matter to discuss in our office ''. The message asked me to call back a phone number XXXX. I promptly called back the number requested on the message. I spoke to a representative who refused to give me any information without disclosing my social security number. I refused to disclose my social security number since I did not know who they were and how they obtained my information. I requested that any debt collection information should be sent to me in writing. 
I did not receive a dunning letter from Dynamic Recovery Solutions until XXXX/XXXX/2016 with a letter dated XXXX/XXXX/16. This is in violation of the Federal Debt Collection Practices act that requires a written or verbal notice within 5 days of intitial contact containing : 1.The amount of the debt 2.The name of the creditor 3.A statement noting the debt will be considered valid unless disputed within 30 days 4.Notice that the debt collector will send a verification and validation of the debt if the request is made within 30 days. 

I did not receive this notice until well after the five days of initial contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-15
Company: Omega RMS, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a charge on my credit report stating I have an account in collections with Omega RMS. It shows that I owe over $ XXXX. This is a bogus charge. I called Omega RMS and they stated they do not have an account with my name on it, however it is on my credit report. I have never heard of Omega RMS prior to finding this charge on my credit report. I want it removed immediately. All of my accounts are in good standing and I have nothing in collections. I have no supporting documents because I have no account/experience with Omega RMS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am filing a dispute against Mercantile Adjustment Bureau , LLC, for their failure to validate a debt and for harassing phone calls. Additionally, I would like to file a violation under the Texas & Federal deceptive trade act by XXXX XXXX XXXX for knowingly making false statements in order for me to purchase electricity service for a lower price and making false or misleading statements of fact concerning the reasons for, existence of, or amount of price reductions which resulted in a lump sum amount due of {$860.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Radius Global Solutions LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
These people call about twice a day. And stagger the call times. About 3 calls are before XXXX, even though I 've repeatedly told them that I 'm now on PST instead of CST

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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