BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
i have a checking account with chase and yestarday i try to send a XXXX transfer and they cancel it and send me a message saying that is was cancel because they didint hear of me when they never call or send a text or email after that ther block my online acces and im been calling for help but they say that theres no way to help me because i dont have a social security number and after that they disconect the call or other tell me to go to a branch im in XXXX and for the moment i cant cross to USA and i need access to my money my mom needs a XXXX and all my money is in the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT.

( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

-- I am entitled to Fair Credit Reporting.

-- I have given them authorized permission to report my address on my consumer credit report.

-- I Demand it to be reported and every violation of failure to report authorized information on my report is a {$1000.00} fine.

-- Letters have been sent with this address by certified mail and return receipts have been received by me. 

-- My permission has been given orally, in writing, and electronically to report my address on my consumer report and I demand it to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: AR Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Assignment clause Notarized letter of debt purchase Signed contract from original creditor Signed HIPAA form I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions 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 have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my 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 explanation
Consumer complaint received 2016-01-05
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am in XXXX XXXX Bankruptcy, filed XXXX XXXX, XXXX. I tried desperately to avoid Bankruptcy but Citifinancial refused to work with me and continued to inaccurately post my payments, etc. I could not refinance because no matter how much I paid, the balance would not go down, so I did not have enough equity to refinance. So, I had to file in order to keep them from foreclosing. I communicated with CFPB several years in an attempt halt their abusive tactics and practice, to no avail. Please reference the following complaints and responses : XXXX ; XXXX ; XXXX. Their responses were riddled with a lot of untruths, which I did rebut. But the ultimate solution was never received. This brings me to my new complaint. I know that I am not supposed to communicate with them directly, so I am using this venue in order to get their spin on the situation. Just curious to know how far these people will go in using their deceptive tactics to cheat the consumers. 
Citifinancial sent me a letter dated XXXX/XXXX/XXXX, informing me that they had paid my property taxes in the amount of {$1100.00} on XXXX/XXXX/XXXX. They also asked me to contact them to discuss payment. Strangely, the letter was unsigned, but the phone number is a working Citifinancial number because I tried it yesterday. There are several problems with this letter : 1. The bill has not been paid. The taxes are included in my chapter XXXX payment plan. It is now XXXX XXXX and the property taxes still have not been paid. 
2. Citifinancial broke Bankruptcy law by contacting me after my filing date. 
3. Citifinancial suspiciously, neglected to sign the letter. 

I submit that Citifinancial wrote this unsigned letter in an attempt to harass and intimidate me into making payments to them, on a none existent debt ( they lied about paying it ), and they wanted me to make the payments outside of my chapter XXXX plan. Again, they 're using underhanded tactics by not signing the letter so that they can deny sending the letter. 
Could you please help me stop these people harassing me through their abusive tactics used in servicing this predatory. I do n't feel safe from Citifinancial under the protection of my chapter XXXX, even though thy are being paid through the plan. They are bold and corrupt because they continue to fabricate stories and avoid the strong arm of the law with their deceit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: PA
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:
ON XX/XX/2021 THERE WERE COLLECTION ACCOUNT ADDED & DEROGATORY MARK ON MY CREDIT REPORT PER EXPERIAN. XXXX XXXX XXXX I DISPUTED THESE ITEMS AND STATED INFORMED EXPERIAN THAT THESE ACCOUNTS WERE NOT MINE AND SHOULD BE REMOVED/DELETED/ UPON FURTHER RESEARCH THE ACCOUNT WAS TRANSFERRED AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT, DEBTOR CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO THERE WAS NO FORM OF WRITTEN COMMUNICATION, CONTRACT OR SIGNATURE FOR THIS ALLEGED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANYBODY CAN SNED A BILL AND SAY ITS MINE. ACCORDING TO THE FCRA EXPERIAN HAS VIOLATED MY RIGHTS AS A CONSUMER AND IM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from XXXX XXXX, a debt collector collecting a debt for XXXX XXXX. I spoke with XXXX XXXX and sent them the police report. They said I would also need to send a copy of the police report to the company that now owns the debt. I have now attached a copy of the police report through the CFPB portal.

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 2020-05-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX  XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Solutions To Portfolios, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have been contacted by a collection agency on behalf of XXXX. I asked for verification of debt to be mailed to me, I was instead placed on hold and told that I had XXXX hour to respond to them or they would file charges. I advised that under federal law it was illegal to threaten me. I was then told they know the law and accused me of not wanting to pay a debt I owe. When I stated I wanted to verify I owe the debt and it was n't fraud, I was asked if I have a police report. Advised I do not because they have not sent me written verification in order to do so. I was then threated again that charges would be filed. 

This is a clear violation of federal law. They would not provide me with the company name, instead the supervisor hung up on me. Another violation. I called back and asked for the company name and was only given SPP.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: EQUIFAX, INC.
State: OK
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:
Back in XXXX I filed a dispute with all three credit bureaus and the company XXXX ( formerly known as XXXX Bank ) about an error listed on my credit report. I was notified of this error when purchasing a new vehicle for my daughter at the end of XXXX from the dealership. I was notified that they were reporting a repossession and my account was over 120 days late which was not the case. The account manager at the dealership even stated that it was recently updated this year and asked if we still had the vehicle in question. I told them we had the title and letter showing the lien was released and the vehicle has been paid off. When calling into XXXX today to dispute this again, due to a alert on my credit monitoring service, I have yet to receive any information from the past dispute. When I asked about it, she ( XXXX XXXX XXXX stated that it has been updated and a dispute has been filed on it, I asked what was the resolution of the dispute and why haven't I been notified of this, her response was it has been updated and goodbye, they hung up on me. I called back and was placed on a lengthy hold which I thought was unusual so I waited and got disconnected again. I did not call back due to being highly upset over this matter and wanting it resolved so I am filing this complaint and hope it gets resolved ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Back in XXXX I filed a dispute with all three credit bureaus and the company XXXX ( formerly known as XXXX Bank ) about an error listed on my credit report. I was notified of this error when purchasing a new vehicle for my daughter at the end of XXXX from the dealership. I was notified that they were reporting a repossession and my account was over 120 days late which was not the case. The account manager at the dealership even stated that it was recently updated this year and asked if we still had the vehicle in question. I told them we had the title and letter showing the lien was released and the vehicle has been paid off. When calling into TransUnion today to dispute this again, due to a alert on my credit monitoring service, I have yet to receive any information from the past dispute. When I asked about it, she ( XXXXTransUnion rep ) stated that it has been updated and a dispute has been filed on it, I asked what was the resolution of the dispute and why haven't I been notified of this, her response was it has been updated and goodbye, they hung up on me. I called back and was placed on a lengthy hold which I thought was unusual so I waited and got disconnected again. I did not call back due to being highly upset over this matter and wanting it resolved so I am filing this complaint and hope it gets resolved ....

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 2015-10-06
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
After making a XXXX deposit in my Citibank account last week. 
I attempted to pay some bills once the banking website saidThat my funds are available. XXXX bills including my mortgagePayment were denied payment even though the money isIn the account. As an alternative I attempted to transfer theMoney to my Citibank credit card so I could pay the bills that wayHoping that it might be faster now that I am behind on my bills. 
This was denied as well. 
I called into Citibanks customer service who told me I needed to goInto a Citibank location for resolution. Problem is theyDo not have a location in XXXX where I live and do not haveOne in XXXX or XXXX. So unless I buy a plane ticket the onlyOther way for me to access my own money in my checking accountIs to write a letter to Citibank requesting access. This is the most ridiculousSolution I have ever been given to access my own money. 
My account was not overdrawn when I made the deposit and myCitibank credit card has always been on time and is also in good standing. 
The Citibank Customer service agent would not give me any reasonWhy my account is on hold. She also refused to give me anyFurther escalation phone number including a number for their '' Office of the President '' so I could make a formal complaint. 
So at the end of the call with XXXX in checking on an accountThat is good standing as well as a credit card I am left with writing a letter. 
That is completely unacceptable resolution to a consumer and I amAsking for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Person with account at XXXX XXXX XXXX XXXX cashed my check of {$110.00} for {$1100.00} by altering the amount of the check and name on the check. Blatant fraud. Check was obviously altered. Have been back and forth with my bank, Chase, and XXXX XXXX XXXX to try to recoup my money which was taken out of my account by their error. Check number XXXX which was cashed on on XXXX XXXX, 2015. It is now XXXX XXXX, 2015 and I still have not been reimbursed. I have made numerous visits to both banks and am still getting the run-around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: OK
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:
Back in XXXX I filed a dispute with all three credit bureaus and the company XXXX ( formerly known as XXXX Bank ) about an error listed on my credit report. I was notified of this error when purchasing a new vehicle for my daughter at the end of XXXX from the dealership. I was notified that they were reporting a repossession and my account was over 120 days late which was not the case. The account manager at the dealership even stated that it was recently updated this year and asked if we still had the vehicle in question. I told them we had the title and letter showing the lien was released and the vehicle has been paid off. When calling into XXXX today to dispute this again, due to a alert on my credit monitoring service, I have yet to receive any information from the past dispute. When I asked about it, she ( XXXX XXXX XXXX stated that it has been updated and a dispute has been filed on it, I asked what was the resolution of the dispute and why haven't I been notified of this, her response was it has been updated and goodbye, they hung up on me. I called back and was placed on a lengthy hold which I thought was unusual so I waited and got disconnected again. I did not call back due to being highly upset over this matter and wanting it resolved so I am filing this complaint and hope it gets resolved ....

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 2016-01-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Account XXXX from the XXXX XXXX. XXXX XXXX is reporting inaccurately on my consumer credit file. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. Please take the necessary measures and properly investigate the inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Credit Card Acquisitions Group
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Assignment clause Notarized letter of debt purchase Signed contract from original creditor I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
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:
Someone stole my identity and opened up a joint account in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I made an appointment to refinance my home with XXXX Home Mortgage consultant with Wells Fargo home mortgage XXXX California. our appointment was for XXXX when I arrived I was in her office less than five minutes when her personal cell phone started ringing it ring four or five times in the middle of our conversation she said if I do n't take this call they will just keep on calling she picked up her cell phone and started XXXX very very loud I waited a few minutes and then I told her I was going to go because she seem to be too busy when my hand touch the door she replied okay goodbye I have been a Wells Fargo customer for 20 years I have never experienced such rudeness from a Wells Fargo employee I would like to bring this to the attention of someone who cares about customer service 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 2016-02-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX RELATED TO CASE NUMBER:XXXX.SECOND REQUEST TO QUESTIONS XXXX REQUEST DOCUMENTS FOR VERIFICATION OF SALE TO XXXX XXXX XXXX WITH PURCHASE AMOUNT INCLUDES REGRISTRY OF DEED ON PROPERTY LISTED ABOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Other problem getting your report or credit score

Complaint:
XXXX XX/XX/2020, I contacted the XXXX number as instructed only to find out that my current account that has always been paid as agreed will not be reported to any Credit Agency because even though my Bankruptcy was dismissed prior to my loan with XXXX. 

XXXX has a policy not to report on those accounts however XXXX will not even release to me that policy in writing. I find this very interesting. 

XXXX is a sub prime type lender. I have made every effort to make my payments before or by the due date as my sincere desire is to improve my credit status and maintain it. However I while I appreciate the services that they have provided for me I do pay a high interest rate and am really working diligently to qualify for lower rates in the future. Please note that it does benefit this type of lender not to report favorably on those who are making on time as agreed or better payments. 

Thank you for reviewing this matter. 

Respectfully,

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