BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: WI
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:
XXXX XXXX reported my payments delinquent however they are in violation of my rights as I never provided this company permission to report our transaction to the credit bureau which is a data mining company whos inaccurate information is effecting my life and enabling me from purchasing a home for my growing family. As remedy I am requesting you remove ALL NEGATIVE reporting from all 3 credit bureaus and report my balance as XXXX, as your company has already written this off of your ledger and your insurance company has made you whole.

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 2017-07-16
Company: BANCO POPULAR DE PUERTO RICO
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am sumiting this complaint on my mother morgage with Banco Popular de Puerto Rico ( BPPR ), she pass away on  XX/XX/XXXX  i am the sole surviving son and executor of her last will and testament my residence is in NYC USA payments where miss and on a visit to PR for house maintanance discover Court papers to procede with sentence on the auction of the property, got in contact with the Lawyers that submitted the testament for advice and hire them for representation in PR, and temporarily has stopped the process.Since that time numerous attemps to reach an agreement or accomodation has not been offer or not even answer, from the begining i have stated that im willing to continue payments on the morgage my bank (   XXXX   ) send two checks {$2000.00}, {$220.00} to cover until  XX/XX/XXXX they proceeded to refund those checks on behalf on my deceased Mother to the address of the residence which is uninhabited by regular mail, in my view completely inproper and close to " mail fraud '', i don`t earn enough and have no collateral, meanwhile the days keep passing, lawyers continue billining and ( BPPR ) continues sending account statements but don`t allow to update the 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 2022-07-12
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX continues to unfairly deny me a credit line increase for my XXXX and XXXX accounts. XXXX XXXX has claimed the following ; We made this decision for the following reason ( s ) : Based on your credit report, you are or were past due with another creditor ( s ). Based on your credit report, you have to many requests for credit. After speaking with Experian Special Services and their Fraud Unit, Experian said XXXX XXXX is providing " misleading information '' related to my credit report. Experian confirmed, THERE ARE NO PAST DUE ACCOUNTS ANYWHERE IN MY CREDIT FILE. Experian confirmed, THERE ARE NO REQUESTS FOR CREDIT ANYWHERE ON MY CREDIT FILE. XXXX XXXX is fraudulently claiming there are negative marks on my credit report which prohibit them from considering my credit for a line increase. This is a violation of the FCRA. I am formally filing a complaint against XXXX XXXX for violating my rights time and time again. Experian outlined that the information presented by XXXX XXXX in relation to my score is outdated and not valid. Experian suggested that XXXX XXXX ask for or review a current credit report that outlines the facts.

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 2023-01-16
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I reported about XXXX fraudulent transactions I discovered on my account all charged by the same vendor. The Chase website told me to call a phone number and report the fraud. I did so immediately. While speaking with the customer service representative, I learned that there were an additional XXXX unauthorized charges on my account dating back to XX/XX/XXXX. I asked him to submit every single charge from this vendor as fraud. He agreed to do so and then asked me to dispose of my credit card as a new one would be sent within XXXX days. I never found out the exact amount of the total charges but assumed Chase would have to also deduct interest paid, etc. I was told that a provisional credit would be issued immediately. Today is XX/XX/XXXX. I have received neither card nor credit. I have called the bank XXXX times this past week and also have sent several emails. I keep receiving the same response which is that the bank is going to escalate my dispute to the next level and I should have a resolution with XXXX hours. In the meantime, I have repeatedly checked the dispute center online and I always receive the response that I have no disputes pending. Today, I called the Fraud Resolution department XXXX more time. I found that the initial fraud I reported was never disputed. The bank did find at least a portion of the older charges to be fraud and I was promised the provisional credit in another email received this morning. The woman I spoke to today finally reported the original fraud charges I reported from XX/XX/XXXX to XX/XX/XXXX. I asked her what the credit would be for just the most recent XXXX fraudulent charges. She gave me an amount that was over {$400.00}. I did not ask about the other XXXX charges but I imagine there must be around {$1000.00} that was stolen from me. Again, I was told I would immediately receive this credit. XXXX hours later, my card balance remains exactly the same, no charges have been removed and Im still paying interest at a very high percentage ( 26 %? ) while Chase prolonges this process. I do have a XXXX and can not work. Thus, I have a fixed income from XXXX monthly. Chase is well aware as I disclosed this on my credit application. My bill is always paid early each month and Im infuriated about the lack of response. I am convinced that my status as a XXXX XXXX is behind Chases slow and illegal processing ( as per my signed agreement with Chase ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was stolen by someone and used for multiple charges on my account. Multiple charges were processed and allowed to go through. I did not know about them right away because I did not have my phone as it was lost. When I finally received my new phone I saw charges were made on a site called XXXX. I contacted this merchant and they confirmed that the incorrect debit and credit card details regarding the billing and shipping address were made however chime still approved the purchase to go through. Even though this is 100 percent proof of fraud. If someone gets your bank card and puts the name on the card and the card number thats not enough for the charge to go through. They must also have the correct billing and shipping address. However they did not. Somehow chime bank approved this purchase and many others even though I reported them as unauthorized. They denied my claim saying they found NO ERRORS. Which is 100 percent FALSE. The merchant XXXX confirmed with me that the billing address and shipping address used to make the purchase was in fact the wrong address. This is a ERROR. So it seems Chime bank is just denying claims without even properly investigating them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I receive regular emails from Chime that I have sent money to various individuals from my account. I never heard of Chime before this, I never asked for an account, and sure don't recognize the supposed recipients of my largesse. I am not aware of an account number, only that Chime claims I am sending money to individuals. I want these scam artists to go away and remove any trace of my existence from their ledgers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Dear XXXX XXXX XXXX, Hello, I am contacting you to formally dispute the late payment charges levied against my account, specifically related to the late payments on my credit report for payments due in XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX for my Auto loan XXXX. I understand the importance of fulfilling financial obligations promptly, but I find it necessary to explain the circumstances surrounding the delay in payment. 

As you are well aware, the COVID-19 pandemic has had far-reaching effects on individuals, businesses, and the global economy. Unfortunately, my personal and financial situation has been significantly impacted due to the ongoing pandemic, leading to unforeseen hardships around those months.The pandemic had caused disruptions in financial stability, leaving me with limited resources to meet all my obligations in a timely manner at the time. I also called to get assistance with customer service in making payments to catch up on those obligations and those late payments were still placed on my credit report. 

I want to assure you that my intention has always been to honor my financial commitments, and this delay in payment is solely due to circumstances beyond my control. I have actively worked towards stabilizing my financial situation and have taken necessary steps to regain financial stability from that sickness, which has not caused anymore issues in my payments. 

Considering the unprecedented nature of the COVID-19 pandemic and its widespread impact and the Hero Act Section 110401, helping consumers not have adverse affects on credit reports due to the pandemic. I kindly request that you review my situation and reconsider the late payment charges on my credit report and fees. I understand the importance of maintaining a good credit standing and wish to rectify this situation as soon as possible. It would be greatly appreciated if you could waive or reduce the late payment charges and take them off credit report, which would significantly alleviate the burden I currently face.

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 2023-07-12
Company: EQUIFAX, INC.
State: NC
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Back in XX/XX/XXXX, I filed a chapter XXXX bankruptcy. For XXXX of XXXX, I owed Fay Servicing ( Mortgage company ). In XXXX I started making payments to the courts for the bankruptcy which included arrearage for the past three months plus the current months. My mortgage was {$1600.00} a month plus an extra {$300.00} of the {$4900.00} that was owed. When the bankruptcy went to verify what my arrearage was Fay Servicing came back with {$10000.00} for arrearage. I requested from the bankruptcy to get approval to speak to my mortgage company which was approved in XXXX of XXXX about the {$10000.00}. No one could tell me where the {$10000.00} came from and the mortgage company told me to talk to bankruptcy and vice versa. No one could give me a straight answer as to why or how I owed so much. This went on for months, In XX/XX/XXXX I took my current mortgage payment out of the chapter XXXX and started making payments on my own of {$1600.00}. Got statements in the mail that I still owe $ XXXX I called Fay Servicing and started talking to my account manager XXXX XXXX XXXX She requested a payment history which we never received, which went on for 6-7 months. She didn't understand how I owed the {$10000.00} as well. Recently she requested a payment history that we never received until XX/XX/XXXX, she sent me someone else 's personal documents. I asked her to explain the information to me and she put me on hold to get her manager and hung up and never called back. I called ack and she didn't call back after that. I've left several message and never got call back. On XX/XX/XXXX got an email from XXXX XXXX which was a payment history statement form XX/XX/XXXX until XX/XX/XXXX. I stll don't understand the payment breakdown and I've Ms XXXX back and no answer from her or Ms XXXX at all from XX/XX/XXXX and XXXX. I want them to explain how I owe {$10000.00}. I feel as if something is going on with my mortgage that I'm not aware of sneakily. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
XXXX has violated my rights.

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person 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 non-monetary relief
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please remove all derogatory accounts XXXX sXXXX 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 2023-02-14
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was not given proper notice by Old Navy and Barclays that Old Navy 's credit card services was being transferred to Barclays and that my automatic payments would end. I only became aware of this when my credit score dropped XXXX points because of one missed payment by Old Navy Barclays. I immediately paid my credit card balance. I've contacted Barclays and Old Navy and neither will help me. 
I've always paid my credit card balances in full by the due date and have always had an excellent credit score well over 800. I had an Old Navy paperless account but I should have been notified by email or something. This is wrong that I was never notified that my automatic payments would end and that I needed to set up new payments with Barclays. When my home mortgage changes servicing companies they always notify me about the transition and that my payments would need to be set up with the new company. Old Navy and/or Barclays should have done the same. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 closed my XXXX credit card account however they still billed the annual fee and in XX/XX/2021 they reported the annual fee 30 days past due in XXXX. 

My assistant went ahead and paid the annual fee because she saw the late bill and was concerned. 

I should have never been billed an annual fee and the late mark is invalid.

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 2021-08-26
Company: AMERICAN HONDA FINANCE CORP
State: CO
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 was out of the country and had my vehicle payment set up on automatic payment. When i returned home months later. i was notified that the car had been repossessed for lack of payment which i was unaware of. I explained the situation when i returned and paid the balance off. As they researched it they realized it was their mistake. However it is still showing on my report as a paid charge off and affecting my credit in a negative way even though it was not my problem. Please assist me in helping to get this removed from my report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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:
Account Name : XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent you the wrong company. So acct XXXX is wrong just delete it ) Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that are 100 % incorrect from Transunion In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate

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 2022-12-31
Company: EQUIFAX, INC.
State: CO
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:
Hello Equifax, I have tried mailing in my dispute for this XXXX XXXX XXXX account however I sent this in Early XXXX and have not received a response. So I'm now writing this complaint to get this account removed. I have attached all the Documents for this to be suppressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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