BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have two issues. The first issue is with a claim/dispute against XXXX XXXX for {$190.00}. I am being ignored despite providing proof that the service was done incorrectly. I had to have the service done over twice and even some auto repairs after XXXX XXXX finished their coolant flush. And I have the consumer affairs attorney sending them notices to give me a refund. Chase Bank has lied to me about trying to assist me from the customer service level to the executive level. I want this situation resolved. 

The second issue is that my debit card was marked as fraud ( not by me ) yesterday and I am unable to add my card to XXXX XXXX. I talked to six reps and one person even hung up on me. The Chase Bank has been tampering with my debit card to prevent me from using it when I travel and basic cardless atm functions are disabled. This is a scam artist bank with disrespectful employees all the way up to leadership. I kept trying to add my card and was told verification was required to add the card to XXXX XXXX. No one would verify my card. These monsters are completely unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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:
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 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 2017-07-17
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Bankruptcy was dismissed  XX/XX/XXXX  and still has not been removed. ( Was originally filed XX/XX/XXXX  ).
Judgment was satisfied Supreme Court State of N.Y  XX/XX/XXXX  and still has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Novad Management Consulting LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
I believe in XXXX, I applied for a reverse mortgage on my home that I've lived in for nearly 45 years. My husband had passed and I wanted to make several repairs to the home. I became gravely ill and my daughter packed me up and relocated me to XXXX. While in XXXX, I spoke to representatives from NOVAD Consulting in XXXX about my illness and relocation and could not continue to live in the home. They stated I had to pay the property taxes and that was all the fees. My neighbors called to let me know that a sign was placed in the window, grass was high in the front and back, and a lock was on the front door. I had someone cut the grass immediately. I want to rent out the property but NOVAD sent an invoice stating the loan had been tabulating since I left the property in XXXX ( relocation ). I explained that the loan is no way near the property value for the homes in that neighborhood and couldn't afford the price which was 3 times the amount of the property value. They gave me an option to either purchase the home or use the deed in lieu ( DIL ) of foreclosure to HUD. A letter of intent was sent to NOVAD on XX/XX/XXXX and 25 days letter when asking if received, an email was returned no valid. What can I do now to rent out the property, save the family home, or have HUD payoff the loan and take title?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: PNC Bank N.A.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Well its been about 45 days since i made my first complaint against this company. I've done everything they have wanted me to do and yet i still haven't received my payment and no one will answer or return my calls or emails at this point when i try to inquire about what's going on with my payment. Just from this experience I will tell you I will never bank with this company after all this run around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more clarity on. I am not stating that they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. 
Some of the people reporting things on me, I have never heard of, which is why I am contacting you. Are you familiar with something called 15 U.S. C. Sec.

1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. I'd really like these accounts deleted if they are not 100 percent accurate and correct. Please check on these and get back to me? I also was informed by a free lawyer on this forum site that you have 30 days to complete this investigation. Please investigate the following account and remove them if anything is missing or incorrect. I attached the inaccurate information l 've obtained from the reporting agencies. I demand the following accounts be accurate and verified or removed immediately. 
DISCOVER BANK, ACCOUNT NUMBER : XXXX. PERSONAL INFORMATION NAMES : XXXXXXXX XXXX XXXXXXXX AND XXXX XXXX. My one and only name is XXXX XXXX XXXX. Please update my report to reflect that I also read where I can get the updated report after you investigate this from the free lawyer. In accordance with the Fair Credit Reporting act 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 : Also states a consumer reporting agency can not furnish my account without my written instructions.

Attached is the account in question in details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: SN SERVICING CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to SN Servicing Company on XX/XX/2022. I was charged a late fee prior to the end of my forbearance. I received a statement regarding my escrow account. The letter stated that the escrow account was negative {$3000.00} and that the additional payment was {$200.00}. I requested an escrow analysis on XX/XX/XXXX according to my RESPA rights. I have not received a response from the mortgage company and it has been almost two months. I have continued to make the additional payment with no response from the company. The mortgage company also charged me a late fee in XXXX for not including the additional payment for the escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX Bankruptcy Case Number # XXXX, has violated my rights. 

XXXX XXXX Bankruptcy Case Number : XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX  Account Number : XXXX, has violated my rights. 

XXXX XXXX Bankruptcy Case Number : XXXX, has violated my rights. 

XXXX XXXXXXXX  Date of inquiry : XX/XX/XXXX, has violated my rights. 

. XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 

XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 

. XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights. 
XXXX XXXX Date of inquiry : XX/XX/XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 witht he fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

ACCOUNTS 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 15 u.s.c. 1681 section 602 a. states i have the right to privacy 15 u.s.c. 1681 section 204 a section 2 : also states consumer reporting agency can not furnish an accoiunt with my written instructions.

15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a 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 2017-07-17
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I pay on the auto loan the  XXXX  amount between very end of   XX/XX/XXXX   and beginning of  XX/XX/XXXX . I also sent the document of the list of fees and total loss from the insurance to the Gap coverage. The Gap coverage is only suppose to get   XXXX   of the  XXXX  and the remains balance was for me for the storage fees. They refuse to reburse the 600+ amount back to me. So if I can not get the amount funded back to me, instead my focuse is Gap coverage paying the remainder balance of the loan. I have try to work this out, I have contacted the   XXXX   insurance I have yet to here a response from them. I have done what all I can do. Still I am left without a car because my car was a total lost. I have Gap coverage on the loan but they are making it so hard for me and I am too. The point of fed up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've been disputing my credit file with Transunion, XXXX and XXXX to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, Delinquent student loan accounts that has a {$0.00} balance, Open accounts Payment data history does not coincide on any accounts, Revolving account creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide. Last payment does not coincide, XXXX does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XX/XX/2023, XX/XX/2023, and XX/XX/2023 the companies of XXXX And Transunion were contacted numerous times regarding the removal of hard inquiries on my credit report. XXXX and Transunion has failed to delete or perform a reasonable investigation of my dispute and have failed to respond. According to 15 U.S.C 1681 there should not be any damages on my report this is a defamation to my character.

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 2023-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/2023, i sent Portfolio Recovery Associates a certified letter see attached, disputing their claim and requested validation of me owing them and my signature for their agency. I asked them if they were licensed in my state and they did not verify this information. On XX/XX/2023, i received a letter from Portfolio Recovery stating that my dispute was irrelevant. The letter stated that this is communication from a debt collector but is not an attempt to collect a debt, then why is it showing on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Tans Union is reporting fraud accounts on my credit report. I previously sent Trans Union letters, for months, disputing these fraud accounts below in my consumer file : XXXX XXXX acct # XXXX {$2500.00}. XXXX XXXXXXXX acct # XXXX {$2200.00}. 
I am a victim of Identity Theft & have already uploaded a FTC report to Trans Union.com Trans Union received my letters and were required to take the appropriate action within 30 days of receipt. This company is NOT legally verifying theses fraud accounts, there is no true proof or wet signature, that these accounts belonged to me, anyone can open an account online using my info! However, Trans Union has willfully failed to delete the disputed information as I requested in my dispute. Trans Union 's action or inaction is an intentional violation of the FCRA. Trans Union is also reporting inaccurate or fraudulent Names, addresses, phone numbers & employers. 
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 non-monetary relief
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 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.

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To update the damages to my credit, no matter not asking for credit, the free credit report from Trans Union provided by XXXX Bank is already showing XXXX point less, a missed payment and a false recent delinquency, which is no other than the loan from XXXX de XXXX XXXX XXXX. also known as XXXX. 
I want to thank XXXX Bank Chat Representative XXXX, and her supervisor named XXXX as the included chat transcript shows, both were great and tried to do all they could, but because of the unfair consequences to my credit report, is better to send this through the C.F.P.B. than directly by fax to XXXX, now that there is a Lawsuit filed on my part. 
This is not to complain against XXXX, but to show to Trans Union, that if ask XXXX for a simple credit card limit increase, this fraud authorized by XXXX XXXX XXXX XXXX XXXX will make any XXXX Bank automatic revision process for this purpose null, because it shows a delinquency and a missed payment, no matter, is false. 
No matter I request a credit line increase, or if it is XXXX with an automatic periodic revision, it will be denied because this false delinquency is counted, as fatal cutoff criteria by any Bank or Credit Union, not allowing me to pay attention to current needs requiring credit, like now with this emergency repair for my XXXX XXXX XXXX owned since new, even Toyotas require repairs no matter this is the original factory installed alternator that is going to be replaced after close to 18 years of use since new and more than XXXX miles. The most reliable car, maybe it is, is the one I have in the middle of all this, and is used for my job as self employed at XXXX XXXX, an 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 explanation
Consumer complaint received 2017-07-17
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I called the number provided on becu website. I ask to speak to a Loan department. Spoke to a lady she asked me for my basic information social security, date of birth, and the reason for my call. I stated my hardship and explained my issues that I was 2 months behind rent and will be evicted, and the reason I can possibly fall behind on my bills on the credit cards I currently have open with becu and I am active searching for a job everyday and I do not have a vehicle due to recent denied request. I have children and been calling around to any charity programs.
After my explanation to her, I was transferred to collections departments not knowing, because he did not state this was collections I was speaking to. I thought I was transfer to Loan department hoping to tell me different options that are available to low income assistant program loans. But the collections person I spoke to did not provide available resources or option available for my current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: MD
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 received a notice from my attorney in reference to XXXX Lawsuit. I reached out to XXXX in reference to this. I was told that it would be removed off my credit because of the fraudulent activities that XXXX XXXX XXXX has caused. This has been hindering me from moving forward in life and I've been investigating this for a long time now. 
XXXX XX/XX/XXXX {$3400.00} XXXX XX/XX/XXXX {$10000.00} & {$9000.00} XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX {$10000.00} XXXX  XX/XX/XXXX {$5200.00} XXXX  XX/XX/XXXX {$6700.00} XXXX XX/XX/XXXX {$2700.00} XXXX XX/XX/XXXX {$4500.00} XXXX XXXX. XXXX, XXXX {$1300.00} XXXX XXXX. XXXX, XXXX {$2400.00}

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