BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: WA
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:
This inquire isn't recognized dates : XX/XX/2020, and XX/XX/2020 2020

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan Management Services serviced our mortgage. The account holder is my deceased husband. On XX/XX/XXXX, I, the surviving spouse, sold the property which carried a mortgage serviced by Rushmore Loan Management Services. When I sold the property, there was a remaining Escrow Balance held by Rushmore totaling {$480.00} that is owed to me after the debt was resolved from the sale of the home. On XX/XX/XXXX, I had confirmed with an agent that my name was added to the account and a check would be mailed to me, under my name. However, we received the check issued to my late husband, which we can not deposit. Therefore, we re-engaged with Rushmore, speaking with another agent. At that time, they requested we send the check back to Rushmore, as well as writing a letter and signing it, stating I am the executor for the account. We provided that on XX/XX/XXXX. We didn't hear anything until XX/XX/XXXX, where it was stated the letter we provided was not sufficient. We again contacted Rushmore and spoke with a Customer Service Supervisor ( XXXX XXXX on XX/XX/XXXX. He confirmed additional documentation was needed, but was unable to provide what that documentation needed to be. After our call, I proceeded to provide a copy of an attorney prepared, signed, and notarized Affidavit of Heirship and Corroborating Affidavit used to sell the home in the state of Texas. A week has passed and nothing has been resolved with Rushmore Loan Management Services. We still have not received confirmation on what documentation is required, or if the documentation provided was sufficient to collect on the remaining Escrow Balance after speaking with two different Customer Service Supervisors on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. XXXX XXXX XXXX Balance Owed : {$330.00}.

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 2022-11-14
Company: Experian Information Solutions Inc.
State: LA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXXXXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights XXXX 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-07-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Between XX/XX/2019 and XX/XX/2019, your account with XXXX XXXX  was removed from your credit report. 


Between XX/XX/2019 and XX/XX/2019 the following remarks were added to this account : Reaffirmation of debt I was not informed, and by law you must give a written notice within 3 days ... you are in violation There is no contract, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow ... this is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: Global Lending Services LLC
State: TX
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:
XXXX of 2020 a website erroneously sent my sensitive information to multiple companies unbeknownst to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had and have had issues with Chase Bank/JP Morgan Weath Management financial advisor for a lengthy time but put up with it. However, last XXXX I emailed the advisor XXXX XXXX that I needed to talk to her being rates have gone up a lot. I asked her to call me the following Friday morning and never got an email or phone call. I sat tight until XXXX when I ironically got a survey via email from JP Morgan from a XXXX XXXX. I did not fill it out favorably, in fact from XXXX, I put down all XXXX 's or XXXX 's. I got a call from his office, not him about it. I told some lady named XXXX XXXX the complete situation going back quite a while. Obvoiusly they do not want to hear negatives, only saying " apologize for that " but not offering any solutions. I emailed that XXXX XXXX voicing again my dissatisfaction with him being his name was on the bottom of the survey asking WHY hasn't he emailed or called to talk about it, instead of having someone I could not understand nor seemed that interested. Again no response. I emailed him again saying how rude he was and uncaring. One person XXXX XXXX called and we talked and seemed nice but he was not at liberty to say why the upper ups would not call. I found out today, Friday my accounts were closed! When I called to find out why, I was told that they do not have to say why. 

Is that what happens in this Country?? I am a XXXXXXXX veteran and explained to a couple people that if you were the person that was not taken care of by a so-called financial advisor, would you not be upset, and even more so when you complain about it that it still does not get you anywhere. 

Is Chase that big that they can walk over you after you been a customer for over 30 years and have several accounts? I take it CHASE/JP Morgan and who ever this XXXX XXXX is only wants to hear good things so they can put 5 stars next to the CHASE name, but if you complain, they/he only ignores it never correcting the problem JUST saying or having someone else say I APOLOGIZE which is useless since the same problem ( s ) continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Lloyd & McDaniel, PLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have an account in collections on my credit report. Original credit was XXXX XXXX XXXX who turned it to collections thru XXXX XXXX. I never satisfied the debt and when I first called, possibly XXXX of 2020 ( not sure on exact date ) XXXX XXXX directed me to call Lloyd & McDaniels Law office and provided me their number. When I called in, the person on the phone told me my account was new and was locked, whatever that means. So I left my contact info hoping they would contact me. When I did not get a call, letter or email, I called back and was told the same thing. The lady on the phone understood my frustration but would not share a single detail of my account, answer any questions about why it was still locked and said I cant even pay on it. Yet again, still no contact from this law office that is supposedly in control of a debt on my credit report which is severely hurting my ability to get a simple loan or credit card. It is the only account in collections I have and they will not give me any options to move forward. I even submitted a settlement offer on their website hoping it would get things going but still ZERO contact from them. It is wrong for them to be able to negatively affect my credit report without ever sending me documentation as requested, not providing me any information, and failing to communicate with me. I was willing to pay but now I just want this removed from my credit report since they cant verify it or even unlock my file so I could pay on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
See attachment. Due American Express not addressing the concerns and violation brought up. I have decided to include Comptroller of the Currency , Office of Inspector General, United States Attorney General, Attorney General of the state of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Upstart Holdings, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Due to a long-term hardship caused by Covid, my financial situation has been severely impacted. I have successfully negotiated lower payments with all of my creditors ( extended length of term and/or reduction of interest rate ) with the exception of one company - Upstart. Upstart offers a hardship plan which consists of 2 missed payment at which time the third payment then becomes bigger than the original payment because it has the late fees and payment built into it to make up for the 2 " missed '' payments. I have participated in the plan twice, but then realized that this put me in a worse situation long term, because the third payment was always going to be much bigger than the original missed payments. I tried unsuccessfully to negotiate a reduced payment or other option but the company insisted I had to once again apply for the same hardship, which does not make sense because I will always be in a worse position after those 2 " missed '' payments. I finally contacted an attorney to intervene because I want to continue paying but can not pay the even higher payment that is now demanded. Upstart told my attorney that the account has to go into Charge Off status ( after 120 days ) for them to review the case internally or sell it to a Collection Agency. This makes no sense, since after 4 months they will have permanently ruined my credit and I a willing to pay NOW. I just can not pay the even higher payment they are demanding. The company is completely ignorant to what consumers impacted by Covid are facing.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: CUSTOMERS BANCORP, INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023, I applied online for a line of credit. Customers Bank immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of my credit.

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 2023-07-01
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On or about XX/XX/2023, I upgraded my XXXX XXXX Credit Card with Chase bank to the XXXX XXXX XXXX Credit Card with Chase Bank. 

The offer I was presented with, to which I spoke extensively with a representative, referred to the following offer : -- XXXX bonus miles : after you spend {$5000.00} in purchases during the first 3 months your account is open. 
-- These card products are available to you if you do not have the same card and have not received a new cardmember bonus for that card in the past 24 months. 

The Chase Agent assured me that as I had never upgraded a card in 12 years, nor had I ever possessed this specific card, that this upgrade was eligible for the new card XXXX point bonus upon spending {$5000.00} within 3 months ( this conversation took place on a recorded line ). 

A friend of mine also signed up for the same bonus, on the same credit card, on the same day, and had a countdown showing how much more was needed to spend towards the {$5000.00} to qualify for the XXXX point bonus. My account did NOT show the same information which prompted me to call Chase. 

I was told by Chase that the plan I was on for upgrading my card was actually only eligible for XXXX bonus points. I requested they pull up the recordings from approximately 10 days prior as I was told differently when applying for the card. I was told I would receive a letter informing me of the decision. Shortly after XX/XX/2023, I received the attached letter informing me I was ineligible for the bonus miles. This was a bait and switch and therefore illegal. 

The main reason I applied for and obtained this card was based on the assurance I would receive the bonus miles. Had a Chase employee not assured me I was eligible for the bonus, I likely would not have upgraded to this card. There is a substantial change in yearly payment as well, from {$95.00} to {$520.00}. 

At this time, I do not wish to downgrade back to my original card, I would like to be awarded the XXXX points I am due upon spending the requisite amount and an additional XXXX for the inconvenience obtaining what I am entitled to has caused me. I have already spent almost {$3000.00} of the {$5000.00} required due by end of XXXX, 2023. I will likely reach that by the end of XXXX, 2023. 

I have a {$15000.00} limit on this card and spend it every year very actively, and pay it off every month. I have been a cardholder with Chase for over 12 years and would expect better from a bank that has had my loyalty for all these years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Back on XXXX XXXX I filed 2 claims with Bank of America one claim for XXXX # XXXX. And another claim for XXXX claim # XXXX after being denied both claims on XXXX XXXX I called and talked to XXXX from Oklahoma she told me the reason for denial was because they did there investigation and they came to the conclusion that I gave someone permission to use my card So I refiled my claims and this time I had my documents to prove that I filed a police report I emailed the FBI I also filed a claim with the XXXX I also emailed my Attorney Generals office.I also asked for the documents Bank of America used in making this decision which I never recieved.Bank of America ended up approving the claim of XXXX XXXX XXXX but did not approve the second claim which was on the same account as claim one.The XXXX XXXX XXXXXXXX was not approved. I NEVER RECIEVED THE DEBIT CARD BANK OF AMERICA HAS A XXXX LIABILITY JUST FOR THESE INSTANCES HOW CAN THEY APPROVE ONE CLAIM BUT NOT THE OTHER IT MAKES NO SENSE BOTH CLSIMS CAME FROM THE SAME ACCOUNT.AND AT NO TIME DID ANY OF THE REPRESENTATIVES TELL ME THAT I COULD FAX OVER MY DOCUMENTS I FOUND THIS INFO OUT ON MY OWN AND PROCEEDED TO FAX THE POLICE REPORTS THE REPORTS TO THE FBI AND TO THE XXXX JUST WANT THIS ISSUE RESOLVED ASAP.

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