BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX I was charged {XXXX} from XXXX XXXX for services that had not yet been provided. Then another {XXXX} in XXXX, XXXX and {XXXX} in XXXX, XXXX. This was all charged and the only services that were provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was told that I had a credit for a partial and when I went to get it, they told me that I owed another {XXXX}. I started pulling all the documents from my insurance and XXXX XXXX billed them for the same amounts. I should have only paid {XXXX} per my EOBs. I was overcharged by {XXXX}. I have contacted Genesis Credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been hung up on, talked over with no resolution. I have faxed 30 pages of documents 4 times showing I was overcharged and they said they never received my fax even though I have confirmation it went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Meridian Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attended a timeshare presentation several years ago but did not make any purchase or commitment. 
Meridian Financial is now trying to collect from me for XXXX XXXX, but I never made a purchase, or signed a contract, or paid them any initial payment. 
I demanded that Meridian send me some sort of proof that I signed an agreement but they ignored my demand. 
Meridian has placed this fraudulent collection on my credit report at all 3 credit bureaus, which is damaging my credit score and causing me financial damages by inhibiting my ability to obtain 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 2022-09-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been living at XXXX XXXX XXXX. XXXX, XXXX, VA for the last 11 years the previous addresses on my credit report I no longer live at these places. I also have been working at one job for the last 7 years and that is XXXX. All I want to show on my credit report is my Home for the last 11 years and my job for the last 7 years. I have been doing everything in my power to work on my credit for the better and I feel that this information on my report is misleading.

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 2023-11-07
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On three occasions within the last thirty days, Chase Bank has sent me letters to my Chase online portal account to call a credit agency and release a " FREEZE '' on my credit scores so they can process a credit card application for approval These were all fraudulent applications.

I notfied Chase of the first two and they assured me they would put " notes '' on my account to prevent this from happening again.

It happened for the third time again today.

I hole one credit card with Chase and have no other relationships. 

I tried to notify Chase again today, but have been given no less than 4 different telephone numbers to contact.

I've spoke to three Chase agents today, one asked for my full social security number and date of birth ( not ), the second said they could not help me and the hold time for the fraud department was over 30 minutes and they provided me a number to call back, which was the basic main number for Chase Credit Cards.

I tried to use online chat, but it kept asking me for which existing credit card was I asking for help with and sent me back to the main menu for credit card.

Chase DOES NOT have a FRAUD flag attached to their Credit Card accounts which rejects online applications outright. This is XXXX! 

My only venue for relief is to close my Chase account at this point, but I can't be the only customer having this issue. 

There are NO OTHER fraudulent applications coming in from other institutions, as such, I believe this is also a CHASE DATA breach. 

Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase froze and locked and closed my checking account and IRA account and will not release the funds Went into the branch several times and was told I would receive a check overnighted by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 requested an proper investigation to XXXX, TRANSUNION AND XXXX regarding an account for 5 months since XXXX XXXX after XXXX followups XX/XX/2022 XX/XX/2022 XXXX XXXX and also XX/XX/2022 and XX/XX/2022 i still havent received the requested information. Also, i have pointed out numerous errors [ ie. billing dates, balances and etc ] regarding the charge off account showing on my credit report requesting them to be removed this has caused detrimental effect on my health and welfare [ ie. billing dates, balances and etc ].

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 2023-09-12
Company: Experian Information Solutions 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:
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 2023-06-17
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Reached out to Experian credit reporting to submitted complaint about false address on file ( XXXX XXXX XXXX XXXX XXXX, XXXX OR XXXX ). They continue to use this and report this address. Not lived in this place. I want them to report correct information all other address should be removed and only XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX is valid. Experian is reporting false information on my credit report. I've submitted several times asking for this address to be removed. Same results everytime using the same address as a completed task it what it states.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 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 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 2023-09-05
Company: Experian Information Solutions Inc.
State: LA
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 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 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. 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 2022-04-06
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Credit report was run without permission. I was a previous jpcmb card holder and have closed my account years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: 21ST MORTGAGE CORP.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The amount due on the loan for XX/XX/2018 was {$480.00}. I had requested at an earlier date that any overage be applied to the principal. I sent in a payment of {$1300.00}. The amount they applied to escrow was {$140.00}. The amount applied to the principal was {$780.00}. The amount applied to interest was {$420.00}. My interest rate is 8.24 %. The amount that should have been applied to interest was {$210.00}. The excuse they used for charging so much interest was they thought I was making two payments. I did call and they said that they would resolve the issue but my concern is that if this is a common practice other people might not catch this and end up paying more interest than they had agreed to. The company 's name is 21st Mortgage Corp. NMLS # XXXX, XXXX XXXX XXXX XXXX TN. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: Experian Information Solutions 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:
Experian and XXXX are not following the correct steps that I have researched when requesting to remove an item from your credit report. I am disputing my bankruptcy. The bankruptcy was for my business XXXX XXXX XXXX and should not be reflected on my personal credit information. Experian and XXXX continue to report it and they have not contacted the XXXX District US Bankruptcy to verify this information. XXXX removed it from my credit report almost two years ago. I am asking this information be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Baird Home Corporation
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage loan is currently being serviced by XXXX XXXX XXXX XXXX ( XXXX ), operating as a financial arm of Baird Home Corporation. XXXX has refused to complete a loan modification, stating that it is a retail installment contract. However, the loan is tied to a single family residence, so general RESPA and HUD law apply. Any contractual agreement instituted outside of a HUD and RESPA complaint mortgage would be a clear violation of the law. Furthermore, when the loan was in default three years ago, XXXX issued a claim with the XXXX XXXX XXXX XXXX. XXXX received over {$41000.00} from the Hardest Hit Funds. The U.S. Department of the Treasury established the XXXX XXXX XXXX XXXX XXXX for the Hardest-Hit Markets ( Hardest Hit Fund ) in early XXXX to provide financial assistance to families in the states most impacted by the downturn of the housing market. In XX/XX/XXXX, U.S. Treasury announced that Indiana would receive {$83.00} XXXX to help *unemployed homeowners pay their mortgage. In XXXX, an additional {$130.00} XXXX was added to this funding making the total investment for XXXX over {$220.00} XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) who oversees the XXXX XXXX XXXX XXXX ( XXXX ) will administer the program as an additional tool offered to troubled borrowers through XXXX and will offer individuals who are unemployed and eligible for unemployment insurance benefits. This assistance consists of a monthly benefit to cover a portion of their first mortgage and related expenses while the individual seeks new employment. Assistance in bringing mortgage payments current is also available for those individuals who were unemployed and eligible for unemployment insurance benefits but are now re-employed and able to make monthly mortgage obligations moving forward. Additional underwriting criteria may apply. 
The distribution of these funds is designated for mortgage loans and not retail installment contracts. Since XXXX  collected funds directly from a government agency fraudulently, they have violated the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a  Federal Government Agency. 

I owned the land separately, prior to closing on this loan in XXXX. The loan was closed in a Home Owners Funding home show room, where proper 48 hour RESPA and TIL disclosure prior to closing was never performed. I was initially advised that the rate would be 7 %, but when the loan documents were issued the rate was switched to 13 %. The 13 % rate violates the High Cost Mortgage Law, TILA Act and RESPA ( Regulation X ). I was also advised that I had to borrow {$7000.00} from my father, in order for the loan to fund. This is a clear violation of RESPA law as well. 

Since XXXX is now pursuing foreclosure action and has set foreclosure sale dates, I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The trust account was closed due to my brother 's death. The money came to me, and I was give a temporary K-1 and could not file my 2022 taxes, so I had to file an extension. I was told that the final K-1 would be REQUIRED to be mailed to me by XXXX XXXX. I have been waiting on this since last XX/XX/XXXX. 

I have kept in touch with the trust officer in charge, but I usually do not receive an email in return. The last contact was XX/XX/XXXX or so. I had to copy the trust officer 's boss to get a response. At this point, he said he was sending the info to the tax preparer to get me my K-1. 

What this means it that NOTHING was done since XX/XX/XXXX to create a final K-1. The only way it was finally sent was when I requested again. This make Regions NOT IN COMPLIANCE with IRS regulation since this form was due XXXX XXXX. 

My life and taxes have been totally ON HOLD, waiting for this form for 5 months, and nothing was done at all.

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 2022-04-06
Company: Aldous & Associates, PLLC
State: AL
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 pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Experian Information Solutions Inc.
State: MT
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:
In XXXX XXXX mortgage company inaccurately reported a 90 day late payment on our mortgage. I have called them countless times to have it removed. Now we are trying to qualify for a new home loan, and we cant qualify because this is still on our credit report. The loan number is 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 2023-10-19
Company: EQUIFAX, 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 recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following itemsfrom my file. 

XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX LA XXXX, GA XXXX ; XXXX GA XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXXBalance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXBalance Owed : {$170.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXXBalance Owed : {$180.00} ; XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no a knowledge of this account according to the FCRA This item must be removed

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 2022-04-06
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:
THE CREDIT REPORTING AGENCIES HAVE BROKEN THE LAW AND I AM TIRED OF BEING VIOLATED! 

I NEVER gave XXXX, Equifax, or XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agencies has caused severe stress and anxiety due to the abusive and unfair practices by the creditors listed on my credit report, not to mention I have been denied employment due to the inaccurate information on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Today, XXXX  XXXXXXXX  Day, I contacted Navy Federal Credit Union to discuss my credit card rewards and a new application. The person who picked up had no idea how the rewards work and he was part of the Credit Card team. Repeatedly he gave me the wrong guidance on the program and mis-directed me on the web site. 

I then asked him about application XXXX which denied me an additional card. He said it was because I only make {$10000.00} a year. I told him I make much more than that and he said well that's what I put in the application. I explained that every time I apply for a mortgage, auto loan or some product NFCU just screws it up and never grants it. 

They have my true salary and also get direct deposits from my employer 2 times a month. They have all my information and my FICO score is XXXX. 

So this XXXX  tells me that I put that value on the web site and I had to tell him 5 times that i did not. He said well we dont have access. I corrected him and said of course you have access to the application, the database and all components. i requested an audit and to speak with the Fraud Department. He refused to transfer me to either group. 

Meanwhile it impacts my credit by NFCU always running my credit score and then not providing a product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation