BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
Company: JPMORGAN CHASE & CO.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi, This is regarding the 2 transactions worth {$1800.00} ( XXXX $ & XXXX $ ) that had happened with my Chase Account via XXXX on XX/XX/XXXX & XXXX to a same person named XXXX ( whom I dont know in any capacity ). I reached out to chase on XX/XX/XXXX as it was that time I realized some of my money is gone. This chase account is student checking account and I hardly transfer any amount to anyone apart from myself, my primary account. Chase provided me with temporary credit till the time they researched but later they told they found nothing and took back the credit. I had asked for findings as well but I havent got it till now. Also, Im an XXXX XXXX  here and XXXX $ is kind of very big deal for me. Ive been telling Chase that I dont know this person but they told theres no way they can secure my XXXX  money. I dont know what else to do to get my money back. Kindly help me. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit 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/2023, {$2200.00} was fraudulently charged to my XXXX XXXX card to a company called " XXXX ''. There was XXXX separate transactions for {$51.00} totaling {$2200.00}. I called chase to report the fraud. They said the charges were made in XXXX XXXX with XXXX XXXX. They removed the balance, replaced my credit card, and said they would submit it to their fraud investigators. Today the {$2200.00} balance was was added back to my account along with XXXX separate " foreign transaction fees '' for {$1.00} cents each, totaling {$2300.00}. I called Chases fraud team and they said that my fraud claim was denied and they found the {$2300.00} was a legitimate charge, MADE BY ME, strictly because it was made with XXXX XXXX. I explained to them that I DO have XXXX XXXX BUT the card that was used for the fraud was NEVER REGISTERED to my XXXX XXXX account so there's no way it could have been me. I also explained that I personally made charges here in the United States on XX/XX/2023, the same day of the fraud, so there is no way I could be in XXXX XXXX AND the United States at the same time. They said there was nothing else they could do and that l am responsible for paying the {$2300.00} balance. They said if I could prove it was identity theft that would help in proving the charges were fraudulent. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello. On XX/XX/2023 I closed on a home and sold it to new buyers without any issue. Prior to close, I had a mortgage with XXXX XXXX. At the time of close my loan with XXXX XXXX was fully settled and moved over without issue to the new buyers. Unbeknownst to me ( because it was not relevant to me ), the new buyers of my old home were working with Mr Cooper for their new loan. 

On XX/XX/2023 an automatic withdrawal of {$2900.00} was taken from my checking account with my knowledge or authorization via Mr Cooper. I am not a customer of Mr Cooper 's, never set up an account with Mr Cooper, never enrolled in auto-pay with Mr Cooper and fully settled my loan for this property at close with XXXX XXXX XXXX 

I have since been in contact with Mr Cooper multiple times requesting a refund and demanding an explanation for why they were able to withdrawal money from me ( a non-customer ) without my consent for a loan I was not responsible for. Today I was again promised my money back with a rep on the phone but I am a month out from when I began this process. There are financial implications for me -- lost interest, etc -- - in addition to the absurdity that they were able to access my checking account. I am at a loss for how to proceed and am simply stuck waiting, hoping they return the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

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 2022-12-03
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C SYSTEM is reporting a debt to the credit bureaus that does not belong to me. I am a Texas resident and have been the last 5 years. The debt I.C SYSTEM is attempting to collect on is a from Missouri utility company ( XXXX ). I do not live in Missouri and neither do I have business in Missouri. This collection account ( Acct : XXXX ) has really hurt my credit. I would like validation of this debt by sending me a original consumer contract with my signature on it.

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 2018-08-10
Company: Systematic National Collection, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I went to a seminar on XX/XX/2015 called " XXXX XXXX XXXX XXXX '' by XXXX XXXX XXXX right after graduating high school. Being young and XXXX, this company suckered me into signing something that I regretted immediately after. Almost everyone in the room signed up for the program and they were mean to anyone who didn't sign up so everyone felt pressured to pay. This seminar was full of unethical persuasion tactics telling customers that if they sign up for the program, they will soon become millionaires. 

I knew that I didn't have the money to pay for this program and I tried to leave but they would not let people leave until the seminar was over and everyone talked to a representative. 

For the people such as myself that did not have any money, they made us call our credit card companies and try to increase our limits to buy their program and I didn't even know what that meant at the time. 

There are numerous reports online about how this company has aggressively pushed people into buying their products and using cult-like tactics to persuade young kids to sign up for their programs. 

I would like this removed from my credit. I am a responsible citizen and won't let something like this happen again. I learned my lesson to not let people force me into signing up for something when I am not comfortable. 

Complaints from other unhappy customers : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
This is an ongoing issue, SPS customer service continuously demonstrated a lack of knowledge and is leading my property to Foreclosure. 


I applied for a Hardship on XX/XX/2023 due to the onset of XXXX and medical reasons. My situation has not changed. The written communications received are always unclear as to what is required and request the same documents that have been provided multiple times. When I call customer service, each representative provides different messages on the status of the file/unable to interpret the letters so that I can provide what is being requested. 

On XX/XX/2023 Spoke with XXXX who advised that a valuation is needed, when questioned why another customer service rep stated that one is not needed, her response was that they have a lot of new people and they don't know where to look in the system. 

Underwriting requested documents that are not applicable to my file such as " pay-stubs were received and are missing pages ''. I have never submitted a pay stub or saw any pay stub that had multiple pages. In lieu were tax returns and profit and loss statements were provided. 
Underwriting finally requested the invoices to verify my 1099 monthly income. While requesting documents that are not needed the bank statements expired and updated requested and provided. During this time the lag process providing a final decision places the account into further delinquency. 


A property valuation was completed on XX/XX/2023 immediately followed by a decision review on XX/XX/2023 and then a demand default letter on XX/XX/2023 all events happened with a 24-hour and 48-hour date timeline. Urgency is not being made to review the new application with income and assets provided on XX/XX/2023 to appeal. It is still not clear why the account is not eligible for any resolution with the new income that has been provided, instead, I received letters on XX/XX/2023 and XX/XX/2023 appears an option to one of the retention options was not checked and that correction has been made and waiting for a pending status with a default date of XX/XX/2023. 

I've followed all the requirements and still attempting to retain my home. There is a lag time between when documents are mailed and placed on the website causing issues to meet critical deadlines. I'm being discouraged from applying for credit and the right to appeal causing me grave mental anguish. Discrimination against a person with a XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: IL
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance 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 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been contacted by Capio Partners via mail and telephone regarding medical debt that I have no knowledge of. On XX/XX/2023, I requested verification of the debt to include, but not limited to the original contract giving rise to the debt and other documents to support the debt as I have never received a bill regarding this alleged debt. Capio Partners has failed to provide me with the original contract or services rendered that resulted in this debt. Instead, they have provided me with a simple statement of the debt with no letterhead or records from the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
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: Account information incorrect

Complaint:
I have continued to dispute this account because I do not owe any money on this account. The credit bureaus have failed to properly investigate it and delete it from my credit. I am asking for this account to be deleted because I do not owe any money.

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 2022-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank of America not working with me

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 2023-10-02
Company: Experian Information Solutions Inc.
State: TX
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00XXXX XXXX XXXXXXXX Balance XXXX {$130.00} XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
Equifax has repeatedly published a disputed account on my credit report that adversely affected my credit report. The dispute was due to a fraudulent charge that the credit card company had mistakenly removed then re-added to my credit card multiple times even though it has been resolved in my favor. The dispute center says to file a dispute online, but does NOT allow the option of disputing the same account, even though it says it has been resolved on Equifax and there is NO documentation or investigation results available on Equifax, nor is there anywhere to submit the documentation that says the account is resolved and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: OR
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: In progress
Consumer complaint received 2023-06-22
Company: Sterling Infosystems Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I applied for a job through XXXX who used a background check Through Sterling background investigation company to deny me for employment. On the application it clearly states a 7 year review of criminal history and my employment was denied because of an offenses dated from XXXX  which is clearly beyond the 7 year dates in question. I have tried to resolve this with the company and dispute this manner directly with the company and they did not allow me or give me a proper way to dispute their decision.

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 2023-05-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, 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 with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 c. ( 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: In progress
Consumer complaint received 2023-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
There was a hard credit inquiry from Bank of America on my credit on XX/XX/XXXX and I called the bank to report the issue and also sent over mails to them to dispute the inquiry but nothing was done about it. 

XX/XX/XXXX same hard credit inquiry happened but this time from XXXX XXXX and I called also and also sent in letters to dispute it and explain to them my account was compromised but nothing was done about it. 

On XX/XX/XXXX. A hard credit inquiry from XXXX was made on my credit and I have called and sent in several letters but nothing has been done about it. 

XX/XX/XXXX. A hard credit inquiry was made on my profile by XXXX XXXX which I was not aware of and I have sent in dispute letters but it has not been taken off my credit. 

On XX/XX/XXXX a hard inquiry was made on my credit by XXXX XXXX XXXX which I did not approve nor was I aware off. I have written to them also and nothing has been done yet.

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 2023-07-13
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I received a promotion by mail from US Bank. It was to open a business checking account and keep {$3000.00} minimum balance for 60 days to receive {$500.00} bonus. I followed their instructions and I called them to verify. I was told that all looked good and the promotional code was on file with my account. I didn't disturb the balance and didn't withdraw any money for 60 days because I didn't want to cause any problems by having my balance fall below the $ XXXX which would disqualify me from receiving the {$500.00} promo. Then to my surprise, I received a statement where they charged me {$6.00} fee on an account that was supposed to have no fees. Of course, this caused my balance to drop to {$2900.00} but when I called them, they credited the {$6.00} and assured me that this wouldn't interrupt the promotion bonus. They told me to go online and change setting to paperless. I did so. Following month, I noticed another {$6.00} fee again and called again. They credited the {$6.00}. But now, XXXX months later, still no {$500.00} bonus and I am being told that I will not receive it because my account no longer qualifies since it had dropped below $ XXXX ONLY due to their {$6.00} junk fee. They were not willing to fix this problem and honor their offer. I felt scammed and I don't want others to fall for this " bait-and-switch '' campaign that they are running. They are in breach of their agreement and they owe me {$500.00}.

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 monetary relief
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is reporting inaccurate information the following accounts date last active is incorrect I notified the company via postal mail on XX/XX/XXXX the company has responded that all information remains the same and I disagree there reporting in accurate information and are in violation to 15 U.S.C 1681 XXXX  is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX XXXX is reporting XX/XX/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