BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-12
Company: Focus Holding Company
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have not used XXXX XXXX XXXX in four years. All of my payments for this company are up to date. I have statements for all my payments and never received any calls or mail about missed payments. 

Then suddenly I am hit with a letter demanding {$150.00} from me saying I owe, I sent a detailed letter with attached statements asking them to prove the debt or remove it. I have not heard back but it is still on my credit report!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Select Management Resources, LLC
State: WV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
loan max in XXXX has been calling me and my finances phone two to three times a day. we told them I will be making a payment this week and the lady called me today and said she needed to know what day I was making payment. I told her I would told them this week I was going to go get my check and I told her I did n't like that they where calling me many times a day and the lady yelled at me and said you made the loan so pay it. I think it 's really disrespectful and not appropriate to talk to your customers like that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Ive been getting repeated phone calls from Phoenix Financial threatening me to pay {$1000.00} or they will put it on my credit report. 

I dont know this company never done business with this company this company do not have any contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I original sent a letter on XX/XX/21 to Experian regarding child support. First off this account with child support has already been paid in full and is past the SOL for reporting. And Experian is even reporting a negative payment history which is damaging my report Im requesting deletion of account l. I even sent a follow up letter and still didnt receive response

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 2016-04-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been attempting to use the short sale option to sell for over a year now. Although I have been working with Chase bank providing any and all documentation requested of me in a timely fashion they are now going to foreclose due to a multitude of internal delays mainly caused by internal value disputes between the appraisal and BPOs, which is no fault of mine! I was told to list at {$58000.00} which forced them to deny the original offer of {$20000.00}. I finally received and submitted a new offer of {$35000.00}. However, since the appraisal was {$18000.00} and the BPO was {$40000.00} the variance was denied. They are going to foreclose in a few days, and they stated that since they are waiting on more values to come in there is nothing they can do ; even though I have good offer well over the official appraisal amount and within the FHA percentage for BPOs. The wo n't even postpone the foreclosure until they get their values back. PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2015-04-17
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
NEW DOCUMENTS - THIS IS NOT A DUPLICATE FILING - JPMORGAN CHASE CONTINUES TO DENYMY CLAIM OF FRAUD IN MY NAME. THEY HAVE DENIED CLAIMS FILED THROUGH THEIR COMPANY / POLICE REPORTS / CFPB AND NOW DENIED ONCE AGAIN. PLEASE SEE ATTACHED DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: DISCOVER BANK
State: GA
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 have been using  Discover Scorecard to track my FICO score for a little while now and my score has been steadily improving. I was on the Discover site and saw where it says to see " my offer ''. It also stated that it would not affect my score. I put in my name and last four digits of my social, knowing that I already have an account with them. When I submitted that information, I was directed to " My offer '', the Discover It card. After completing the application in is entirety and EVEN choosing my card design, my application was DENIED and when I checked my credit score , my score dropped due to that particular inquiry being added. There website is misleading. Particularly the wording of " Your offer '', letting me choose my card design, and stating that it wo n't affect my credit. i am working so hard to repair my credit and this is just devastating. I called   XXXX   and explained what happened and asked that they remove the inquiry, the representative told me that I had to call Discover Bank directly and that they would be able to remove it. When I called  Discover , I spoke with a supervisor named  XXXX  who claimed they could not remove the inquiry even after I explained that it was misleading. I asked to speak to HIS supervisor because I was tired of being lie to. He told me that there was n 't one  available and that one would be there at   XXXX   XXXX   eastern standard time. That was at   XXXX   XXXX  . He asked me for my callback number. I gave him the number ( the same one on my application/account ) and here it is   XXXX   XXXX   and I have still not received a call yet!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: TCF NATIONAL BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/2021 I called TCF Bank to close all four ( 4 ) of my accounts with them. XX/XX/XXXX they closed two ( 2 ) of the accounts and mailed me a check for the balance on those two ( 2 ) accounts. The remaining two ( 2 ) accounts were not closed and the bank still continues to charge me service fees. 

When I called on XX/XX/2021 TCF Bank advises me I have to close them in the branch. I live in XXXX XXXX California. I'm nowhere near a branch. 

This bank is clueless and of no help, for months they have charged me fees on accounts I can't use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-29
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have made a settlement which was for less than half the balance owed on  XXXX   XXXX ,  2017  and it 's still on my credit report for a different collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: SLM CORPORATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am a victim of Identity Theft. Someone opened an account with several banks and organizations. I have been working with XXXX to fix these issues, most all companies have taken care of the Theft my removing the account and fixing it with the credit bureaus. the exception to this is Sallie Mae. I contacted Sallie Mae with XXXX and they were extremely unhelpful. After several calls we finally go the information we needed to work on fixing it with them. So I mailed all the information they asked for ( Police Report, Letter Statement, and several other forms ) this has been over 30 days now and no responses from them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Transunion isn't responding to my serious matter as i've written to them certified with no response under the FCRA this item shall be removed as in no response especially inaccuracies with no proof of validation. 

They didnt validate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account 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 2016-06-28
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a XXXX Mortgage with JP Morgan Chase and a XXXX Mortgage with XXXX XXXX XXXX. I refinanced the XXXX Mortgage with JP Morgan Chase with the assistance of The Hope Help Line around XX/XX/XXXX. The issue I am having is the HAMP program was new with a lot of mistakes and non help at the time that I received a modification. Because of the newness of this program, I was not aware that I would be able to get my XXXX Mortgage with XXXX XXXX XXXX through the XXXX LIEN MODIFICATION PROGRAM ( 2MP ). As I was starting to realize that I was in need of the XXXX Mortgage with XXXX XXXX XXXX Modified also, I received a XXXX loan through my XXXX Mortgage with JP Morgan Chase which changed the account number. I did not request this new loan. Chase just offered it to me and since it had adjusted the payments slightly lower I accepted the loan. This then disqualified me from getting my XXXX Mortgage with XXXX XXXX XXXX XXXX due to the now new mortgage was no longer the HAMP mortgage. I feel that chase hurt my situation of have the much needed XXXX mortgage modified. I have worked with Chase and XXXX XXXX XXXX since this happen XX/XX/XXXX and neither back is willing to help me. They are always referencing the current loan does not apply the originating loan was not created prior to the XXXX XXXX, XXXX. The XXXX refinance was originated before XXXX XXXX, XXXX. I feel that I have been duped by Chase and they are working hand and hand with XXXX to block me from having my XXXX mortgage with XXXX XXXX XXXX from being refinanced under the XXXX LIEN MODIFICATION PROGRAM ( 2MP ). I have been trying to resolve this refinance issue of the XXXX mortgage since XX/XX/XXXX. 

This Complaint should be forward to XXXX XXXX XXXX as while It is there XXXX mortgage that I needed to have refinanced on the XXXX LIEN MODIFICATION PROGRAM ( 2MP ). It is them that are denying the XXXX LIEN MODIFICATION PROGRAM ( 2MP ). See attached document for account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Focus Holding Company
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Focus Receivables Management has contacted me several times to collect a debt for XXXX. Each time I call back they tell me they are trying to reach someone else and not me. I have asked them to stop contacting me that I do n't have XXXX and have n't in over 7 years. Each time they tell me they have no record of me contacting them back to ask to be removed. Spoke to them again today and was told I would be removed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
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: Their investigation did not fix an error on your report

Complaint:
I have disputed an incorrect account on my credit report with the three major credit bureaus : Experian, XXXX and XXXX. They have not provided any documentation to validate or verify the account, even after I informed them that I never opened an account with XXXX XXXXXXXX. The account is showing closed as of XX/XX/XXXX and is also indicating that the account is past due as of XX/XX/XXXX. I would like this account to be deleted from my credit file with the three major credit bureaus. As I stated before, I have disputed this account with all three bureaus twice : XX/XX/XXXX and XX/XX/XXXX, and despite informing them that I have never opened an account with XXXX XXXXXXXX and none of them providing documentation to validate or verify the account, they have not done so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: AXOS FINANCIAL, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a personal checking account with Axos bank at the same time that I registered a sole proprietorship and wanted to use this account to receive payments. The Axos website says that while they recommend it, there is no legal requirement to create a separate business checking account as a sole proprietorship is legally just an individual under a business name. This is also what my accountant told me and I don't want an unnecessary business account. 

On XX/XX/XXXX when my first payments arrived for my new business I got an email from Axos Bank stating that they can not accept payments made to me under my business name. 

I attempted to explain the issue by emailing them, calling them, and sending them messages through their online portal. I asked if I could add my business name and offered to provide them with my EIN. 

Despite that, they have returned my most recent payments to the sender. I tried every reasonable option to remedy the situation with them but their representatives would not allow me to add my business name, or have a supervisor return my call, or even return my email. 

In a moment of weakness, I even agreed to accept one of their foisted business accounts via their online message portal but they still wouldn't call me back or help me in any way. not even on XXXX. 

Axos emailed me again on XX/XX/XXXX after the payments I told them were coming had arrived to tell me that they were going to close my account due to 3rd party transactions. I had spent the intervening week trying to resolve the issue but it is not possible. 

When I called no rep is able to help me and they can only refer me to a supervisor but the supervisor doesn't call me back. They have completely closed off any reasonable avenue of resolving this issue or getting my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a account with XXXX XXXX company. It has been over 10 years and they are still trying to collect XXXX from me and they keep going through different collectors its currently with I C systems I tried to dispute it but they are telling it hasnt been 10 years which in fact it has been. XXXX keeps giving different collectors my account.

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 2020-01-20
Company: CITIBANK, N.A.
State: HI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Online access to my savings, checking, and credit card accounts was blocked by the company on XX/XX/2019. It has now been over two weeks since my online access was blocked. After multiple times contacting the company 's customer service, I was not given any information as to why the account was blocked, how to unblock the account, or how long the process would take. Each time I contacted the company, I was given a generic response to the effect of " someone will contact you '' and still have not been contacted by a bank representative.

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 2016-03-17
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Dear Sirs : I have been referred to you by XXXX XXXX, XXXX Oregon. 
I am writing on behalf of a Chase client, XXXX XXXX XXXX, now in fragile health. I was appointed by her to act as her Power of Attorney, and her testament was drafted by XXXX XXXX, Attorney at Law, recently signed by her and witnessed. I presented to JPMorgan Chase Bank , NA, Branch XXXX, XXXX XXXX and XXXX on XXXX XXXX, 2016, mid-morning. I was assisted by XXXX XXXX, a polite and professional gentleman. who entered the required information in the computer after receiving acceptance by the legal team. I was told to allow XXXX business days for processing. The following Thursday I again presented to Chase, and was told by XXXX XXXX that XXXX was on vacation, that the POA had not fully processed, but she was able to process XXXX CD account for me. I presented again this morning at XXXX XXXX., and met with XXXX who explained that the POA had indeed not fully processed, and that he would expedite the matter. 
I need to review documents contained in the safety deposit box. I have been waiting eleven days and continue to wait as I try to expedite several matters on behalf of XXXX XXXX. I am grateful she has accounts at another bank at which I was not detained for more than one hour while all data was processed at that time. 
I am now at thirteen days and waiting. I appreciate your kind assistance in this matter. 
XXXX XXXX, XXXX XXXX, OR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX  you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation