BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, JPMorgan Chase dishonored a check we wrote even though the account had sufficient funds to pay the check. When we called the bank, we were told that the account was blocked because of a fraud issue with a check we had not written. At no time before we called did the bank notify us of the problem or that it intended to dishonor our checks. After we communicated with the bank, the bank informed us via email that before dishonoring additional checks, " Fraud Services will notify you by email and/or phone when outstanding items are presented for payment to confirm if these items should be paid. '' In fact, the bank continued to dishonor our checks and did not inquire of us whether any checks should have been dishonored or paid. In all, the bank dishonored 17 of  our checks even though the account included sufficient funds to pay all the checks. We have suffered significant embarrassment, our credit may have been damaged, and our counterparties may no longer be willing to do business with us. We supplied the bank with a list of the dishonored checks and asked the bank to honor them and to contact the payees of the dishonored checks. The bank did not do either of those things despite agreeing to do so. We want the bank to make us whole by honoring the checks that were dishonored, notifying the payees that the bank made an error to minimize our embarrassment, and notifying the credit bureaus if that should prove necessary to prevent damage to our credit records.. Given that the bank failed to follow its own procedures as stated in its email, we also wonder how common this occurrence is and how many other Chase depositors have been similarly afflicted. We urge the Bureau to investigate whether the bank is conducting appropriate verifications before wrongfully dishonoring checks and damaging consumer relationships with payees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-13
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In late XXXX, I received a letter from XXXX XXXXXXXX XXXX XXXX XXXX claiming that I owed them {$1100.00} relating to damage to a rental vehicle with which I was involved in a minor accident and for which they claim I am responsible. Because there was no damage to the vehicle in question resulting from the accident in which I was involved, in XX/XX/2020, via phone, I asked that XXXX send me a copy of the police reporting relating to the accident but continued to receive multiple letters claiming that I owed the money. Finally, on XX/XX/2020, after asking via phone on multiple occasions, I did receive a copy ( via email from XXXX ) of the police report in which it is written that there was only minor damage ( scratches to the bumper ) to the vehicle in question. I advised her that I didn't think I was responsible for the debt because there was no damage caused by the minor accident I was in and the claimed date of loss was almost a month after the date of the accident. The vehicle may have been damaged, but I didn't cause the damage. Notwithstanding all of this, the matter was sent to a collection agency ( Transworld Systems Inc. ) and they sent me a first letter dated XX/XX/2020 and continue to send subsequent letters. I have now been sent to collection for a debt that I do not owe and which has not been established that I owe. I worry that this improper attempt to collect a debt I do not owe will soon show up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Santander is reporting a charge off on my credit report that should be removed as settlement with XXXX XXXX. I have attached them for review. Then a collection account with XXXX also hit my credit report which shouldn't be on there either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
While I was contacting different XXXX dealers, I contacted a company called " XXXX XXXX XXXX '' based on a XXXX XXXX guide advertising to inquire about the best package they can offer. XXXX from that company answered the phone and made me an offer that sounded ok. I explained to him that I 'm still contacting other companies and comparing offers, so he asked for some personal details to secure the tailored offer for me by saving it under my name. 
Few days later, I got an alert ( Through an ID monitoring service ) that my credit report had a hard inquiry twice, once from a company called " Alert center reviews '' which I have never heard of, and another from XXXX XXXX. 
By the time this has already occurred, I had already found the company that has the best reputation and best offer and signed up with them. Few days later I found XXXX more hits on my credit report ( Hard inquiries ). 
I called Equifax to dispute the first XXXX pulls as that company never had my consent nor mentioned they would run my credit. Equifax denied helping and instructed me to contact the company directly. I called the company and got their manager 's number ( Or at least who I was told he was ) XXXX. And called him to sort things out, he said he will reverse the pull but never did. 
I tried to google the company " advanced home security '' to get their address and send a formal registered letter asking for any evidence of my consent they had when they ran my credit. Only to find out that the company does not exist. At that point I realized that I was a victim of a scam and they fraudulently ran my credit. 
I called Equifax again on XXXX/XXXX/16, and spoke to XXXX ( Customer Service Agent ) who completely refused to help. I then asked to speak to a supervisor, was transferred to XXXX who helped me put an initial 90 days fraud alert but still refused to do anything to reverse the credit pulls and their impact on my credit score. She insisted that I contact the company again and ask them to do it. 
XXXX refused to consolidate the hits in one single it as they are all related to one single topic and still left me with XXXX different pulls from XXXX XXXX plus XXXX pulls from the companies ( Total of XXXX ). 
As I am only left with a phone number of a person who -supposedly- is the manager of a company that in turn does n't exist online nor have a physical address. My only hope at this point is that you can help me remove the extra credit pulls from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recently obtain a copy of my of credit report and noticed accounts and inquiries i did not authorize.

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 2016-05-09
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
just a quick note I 'm not talking about them the creditors I 'm talking about you! Send me the information that I asked you for Months ago. seems like you do not have it. the way you been dragging your feet! Please send the documents to me..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: M&T BANK CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I told the bank to stop payment for a mortgage i was going to pay at a later date because I knew i had insufficient funds. They told me that i have nothing to worry about and that they 'll take care of stopping the transaction.I told them again as a reminder 2 days before the trancsaction. I gave them 5 days notice total of the transaction, I later found out they had let the transaction through not once but XXXX, since i didnt have enough funds i was charged XXXX insuffiecnt funds fees for XXXX dollars each. And now they are telling me its my fault for not having the funds even though I gave them a notice to not allow payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/2016 XXXX CST, I recieved a call from XXXX, claiming to have a " collection matter '' that was placed with Statewide Credit Corp , in XXXX IN. The femaile caller refused to indicate " who '' the creditor was, and demanded me to verify who I was. I still demanded to name of the " creditor '' and was refused. The female caller became very abusive, and I terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My spouse & i have banked with Wells Fargo for years, I wanted to deposit XXXX into our checking account, they ran the money through their machine and the branch manager said a XXXX bill was counterfeit. I then took my sharpie money marker and made a yellowish green mark on the bill to prove to him that it was good. He said to me "no that is counterfeit & i can't allow you to leave here with it, I insisted on a copy of it front & back, He gave me a copy of it and put the bill in his pocket of his suit. I told him we got the money from this bank, he argued that i did not. I told him that we always cash checks here & have for 25+ years. I ask him a question, "what kind of bill would i have had to cash to get back a XXXX bill ?" He replied "It didn't come from this bank:. God knows as well as we do that that bill came from that bank. I have my copy of the bill with the serial number's on it clear as water. Even though we got a checking, saving's, XXXX & an IRA with this bank and all of the tellers know us very well, The branch manager kept the money and did not once offer to re-place it. This particular bill most definitely came from Wells Fargo Bank. I have tried to get help with this & it seems it does not matter to anyone. I am considering not only changing everything to a different bank but also hire a lawyer and see what can be done about this, Just to prove to the branch manager that this bill was a good bill and definitely NOT counterfeit. I am contacting the XXXX and filing a complaint there as well. This is not right, Nor is it fair........In my opinion he just made himself a free XXXX dollars. We are very upset about this & i will not stop until justice is served. No matter what it cost me out of my pocket just to prove to him that i am right. He took our money & thinks he is going to get away with it, But he is not !!!! My opinion would be for people to beware if you are banking at Wells Fargo Bank....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Windham Professionals, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
My name is XXXX, but I was XXXX in high school which I never graduated from XXXX. I since have had my XXXX change at XXXX I 'm now XXXX, I still never got my highschool degree nor GED and I 'm being harrashed about paying this back

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 2020-08-13
Company: Grant Mercantile Agency
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On a daily basis I continuously receive notifications about my credit report collection  increasing by Grant Mercantile, a collection  agency attempting to collect a debt for an ambulance  bill. I have submitted a complaint on this company numerous of times as well as requested debt validation and my signature to show proof. All the company provided was a document with signature. Nothing else that I requested such as the billing statement, insurance payment made or if insurance was billed, patient, etc. 

They continuously report increases in the collection amount on a daily basis for this debt drastically affecting my credit. Ive offered numerous times to settle this debt that they refuse. I have someone willing to help me with settling this debt so it may be removed and will payment immediately of {$250.00}. 

Per FDCPA, The agency did not provide proof that this debt belongs to me or has been assigned by the original creditor upon the first request. Therefore by law the debt collector is not allowed to continue pursuing the debt nor should the debt be listed on my credit report. Yet they continue to do so. 

Beware of this company, they will ruin your credit and not provide information you request to validate a debt. Just continuously argue that it belongs to you. I have yet to receive any documents by mail they just racked the debt to my reports and then constantly increase the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Transferred {$500.00} to Coinbase and the funds were taken from my bank account. Coinbase is refusing to allow me access to the funds and it has been three years. Coinbase is claiming that they have reversed the funds to my bank. I have evidence that the funds were never returned to my bank, but Coinbase refuses to view the evidence. I now have to take them to court to even get a reply from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: EQUIFAX, INC.
State: MD
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 recently obtain a copy of my of credit report and noticed accounts and inquiries i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Numerous times this month, I have faxed my driver 's license, utility bill and Social Security Card to you without a response or correction to my credit report. XXXX Is my report number where XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX is my address. The other addresses do not belong to me. Please delete these addresses as they are hindering my ability to obtain credit. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
State: MA
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 explanation
Consumer complaint received 2016-09-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I renegotiated my student loan with Wells Fargo. The original terms of the loan was to pay XXXX XXXX dollars a month for fifteen years. The new terms was to pay them XXXX XXXX monthly for a shorter period of time. When i requested a im school deferment i was told to send in the paperwork. I then received a letter months later stating paperwork with a bill. I called and they verbally notified me that my loan was charged off three years ago without my knowledge. I had been calling in phone payments every month consistently. I have no idea where that money has gone since the bank is refusing any access to my payment records account history etc. i am attending an accredited program at this time for a higher education.

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 2015-08-20
Company: National Arbitration Forum
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I continue to get calls from ( XXXX ) XXXX on my home phone looking for XXXX XXXX. I have advised them XXXX in the past year I do not know this person - please remove my phone #. I got another call 2 days ago and called them today to advise they have a wrong # referencing the # they request of XXXX. In a few months they will call again - a live person leaves a message about a pending Court date for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
State: NY
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 sent a certified letter to all three credit bureaus disputing derogatory posts on my credit report from two different creditors with no reply.

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 2022-01-29
Company: PNC Bank N.A.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, the insurance agent contacted PNC to obtain a payoff since the car was totaled. On XX/XX/XXXX the check was issued. I have contacted the PNC bank on XX/XX/XXXX and XX/XX/XXXX to see why the funds have not posed to the account. On the XX/XX/XXXX the representative stated it will be applied with with in 10 business days. I called on XX/XX/XXXX first time the agent tried to collect even though I had previously told PNC agent I am filling bankruptcy. The supervisor called back and could not provide any on formation on why the insurance check was not applied to the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-09
Company: CORELOGIC INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I want to remove my consumer statement an fraud alert from my credit report, Please remove it permanently. 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 explanation
Consumer complaint received 2023-03-30
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-08-13
Company: CITIBANK, N.A.
State: OH
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:
The statue of limitation is up and this negative items are still on my credit report and i wish to have them removed.

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 2020-11-20
Company: Experian Information Solutions Inc.
State: NJ
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:
I sent letters to the credit bureaus but they have not investigated about my case. I have inquiries that I didn't authorized and negative accounts that should not be there.

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