BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-19
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To summarize my claim I will start out by stating the facts. I was excited to refinance my home from an FHA loan to a Conventional Loan and save on the PMI insurance. We qualified with a small margin but we qualified. One day before closing docs were to be printed, I informed my loan officer, XXXX that my son ran into an emergency with his car and purchased and financed a new vehicle. My son and I are both listed on the home loan. XXXX mentioned that we barely qualified but being we were closing soon we should be ok as long as they dont run your credit prior to signing the docs I thought that meant everything was good. XXXX had every opportunity to tell us not to sign but he didnt. Loan docs were printed and we signed all of them the next evening. XXXX also failed in advising that we were going to be signing a document stating we did not incur more debt Being that there are so many papers and its overwhelming ; this particularly important statement which I signed didnt register with me. I hold the loan officer, XXXX, as the professional, responsible for not acting in my best interest. He has full knowledge of what goes into these legal documents and failed as my agent. I was honest and upfront prior to signing. XXXX also knows what happens after closing. My loan was audited 6 months later. Basically the owner of the Brokerage decided to ignore my file after the initial contact of notifying me that I signed said paper. He never offered me a solution. Since then UWM my lender has informed me that the current loan has to be paid off. 
I just finished refinancing at a higher interest rate. I incurred XXXX in closing costs and my payments went up {$1300.00}. I had to sell my car and take a loss of {$5000.00} in order to qualify for the re-fi. 
Property Address : XXXX XXXXXXXX XXXX  XXXX XXXX CA XXXX I recently found out that the loan officer listed below, does not have license and uses the Brokers number. This means he can not discuss certain things with the client. 
XXXX XXXX XXXX  XXXX XXXX, owner ( XXXX ) XXXX email XXXX XXXX  # XXXX and XXXX # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  # XXXX ( XXXX ) XXXX email XXXX One reason Im making this claim is so no one else goes through what I have gone through to try and save my home. We as the consumer lean on the professional to act with integrity dealing with someone's livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: JPMORGAN CHASE & CO.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account has been closed since XXXX and has not incurred any charges since.I have written statements quoting that this account is paid in full dated XX/XX/XXXX from your bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
transunion and XXXX are showing inquiries on my credit report that i do not recognize. although i know i must go through a process, it will be hard for me to do so since i am a XXXX veteran and have a hard time getting around and moving due to my declining health issues :

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 2023-11-27
Company: BARCLAYS BANK DELAWARE
State: IN
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:
I received fraud alert on XX/XX/23 via text. At that time I responded I do not approve the transaction as it was not known or authorized. My card was placed on hold and I was unable to use it. I called Barclay on the next business day to report the charge as well as 2 others I found not authorized. I also flagged the charges online. 
When I spoke directly to the fraud department about a week later they said there was no record of reported fraud although they did see a mistake was made that I declined authorization of purchase that was posted to my account 48 hours after card was placed on hold. I went through the entire process of reporting again and was assured it would be thoroughly investigated and result provided in XXXX statement cycles. I called the fraud department two more times ( after about 2 months ) and was given no updated information and told they had 90 days to resolve it so I would have to wait. I have accrued finance charges on the purchases that totaled about {$1500.00} ( total fir 3 purchases ). It is now well past the 90 days and there is no resolution and I have reviewed zero communication from Barclay concerning the fraudulent activity.

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 2023-06-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have contacted chase to advise them that transaction that took place on XX/XX/XXXX in the amount of XXXX from XXXX, order number XXXX have never arrived. Tracking number XXXX has never arrived and was trying to dispute the transaction with the bank because i have never received the merchandise i paid for. I have tried to contact the merchant by phone and email without any luck. The bank told me because i have i have paid for the order from my personal checking account they are not able to submit a clim dispute on my behalf. I do not understand why my bank will not refund me the money i have paid from my checking account to an an order that was clearly was never delivered to me, and i am claiming my money back from a fraud company. 


XXXX ORDER # XXXX Thank you for your purchase! 
We're getting your order ready to be shipped. We will notify you when it has been sent. 


View your order or Visit our store Order summary XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$27.00} Subtotal {$27.00} Shipping {$5.00} Taxes {$0.00} Total Your order is on the way Your order is on the way. Track your shipment to see the delivery status. 


View your order or Visit our store XXXX  tracking number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have excellent credit and work hard to maintain my credit rating. Today, XX/XX/2021, I applied for a loan to purchase a house. I was told that a credit check will lower my credit rating with all three credit reporting agencies. I think its ridiculous that the credit reporting agencies prejudge people and lower their scores for an inquiry. An inquiry should have no impact on someones credit report. How is that fair or legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: MA
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 and 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receive daily calls from multiple numbers. They are attempting to collect on a debt that was charged off 12 years ago. This is a non collectable debt. I have told 3 different representatives to remove me from their call list. The calls continue daily. When I block a number they call from a different number. Also Portfolio Recovery ( they ) has made and continues to make anywhere from 3 to 5 soft inquiries to my credit per week. There is no reason for any of this.Having already requested these actions to stop. They ignore my requests and continue the harassment. I'm fairly certain all of this is not legal. I intend to seek legal council, as I have been harassed for 2 years nonstop. This is first step in my process of documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: FL
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: FL
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.

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 non-monetary relief
Consumer complaint received 2023-09-03
Company: Harley Davidson Financial Services Inc
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please be advised this will be the last time I complain to the Consumer Finance Protection Board about Harley Davidson Financial ( HDF ) as it relates to the information HDF is reporting to XXXX. Keep in mind, there is an expiration date, one day I will no longer have to deal with HDFs poor business ethics and practices, unprofessional conduct and substandard credit reporting clerks. Bottom line, each and every time I have disputed, complained and or notified HDF about the information HDF is furnishing to XXXX, rather than update XXXX ; HDF modifies the account descriptors on my XXXX credit file. No changes, updates or account descriptors are reported to XXXX, even after HDF wrote accurate information would be reported to XXXX. Is there a glitch in your credit reporting to XXXX? Does XXXX believe it is XXXX as it relates to my disputes? Are your credit reporting clerks competent? Is your failure to furnish accurate information to XXXX punitive, malicious and or spiteful? The following dates accurately reflect how when I complain about XXXX, HDF notifies XXXX : ( See attached ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please pay attention to the attached XX/XX/XXXX XXXX DESCRIPTORS FOR AN ACCOUNT LISTED ON YOUR CREDIT REPORT HAVE BEEN UPDATED. This is downright shameful and a corporate disgrace, what sense does it make to dispute a XXXX balance reporting on XXXX? Playing these types of games with my credit file because you can is a clear reflection of the lack of morals and ethics in this profession. So if HDF is empowered by falsifying the truth to XXXX, so be it. Have at it Harley Davidson, shame on you! FYI for anyone at the CFPB who cares, the last time XXXX reported information to XXXX was before my initial complaint to the CFPB, the last reporting was XX/XX/XXXX! The process of complaining to the CFPB is worthless, just because the CFPB does not advocate for the consumer does not mean you allow businesses to treat consumers as I have been treated. I plan to notify XXXX XXXX, FTC CHAIR in the hopes she will help me. 

ALL OF THE XXXX ATTACHMENTS WERE PRINTED FROM XXXX XXXX XXXX ... XXXX Be Well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
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: Their investigation did not fix an error on your report

Complaint:
This is a written request that you investigate specific items that I believe to be reported in error. I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
This item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-24
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied to the Public Service Loan Forgiveness ( PSLF ) program and my federal student loans were transferred from XXXX to FedLoan Servicing, a requirement of the PSLF program. FedLoan accepted me into the program, but rejected ( for false reasons ) the vast majority of the payments I made on my student loans over the past 10 years. I have made, upon my review, 50 qualifying payments on one loan that were deemed " ineligible '' payments and 41 qualifying payments on a second loan that were similarly deemed " ineligible. '' Almost all of these rejections were based on a payment being made late, even though they were made on time. I submitted evidence of these timely payments to FedLoan Servicing a month ago and have gotten no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
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 information incorrect

Complaint:
I have sent the proof to Experian, XXXX, & XXXX that they are reporting wrong information on my credit report and that it needs to be removed, but they have not removed or sent any response to me at all. I have sent 3 letters to each company starting from XX/XX/2021, XXXX & XX/XX/2021. Ever since Civil-19 they have been getting worse and worse. This isn't fair.

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 2023-06-16
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX  Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX  Account name XXXX XXXX XXXX Account number:XXXX XXXXXXXX U.S.C 1681 Section 602 A4. 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 7 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.

15 U.S.C 1681 b- permissible purpose.

15 U.S.C 1681 E- compliance procedure.

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 2023-06-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 2021-12-07
Company: DISCOVER BANK
State: NY
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:
On XX/XX/XXXX, i sent discover a Cease and Desist and I never received a response. i sent the letter via certified mail. Discover bank denied me of credit and told me on one hand it was because XXXX furnished something on my consumer report, and they also said on the other hand XXXX had no part in the denial of credit. its very confusing and misleading. Pursuant to 15 usc 1691b ( b ) a consumer can not be denied credit due to the primary purposes of personal family and household purposes ; these transactions are exempt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/23 XXXX PST I received a debt collection phone call from Navient . I spoke with the person about my missed payment and informed them I would make a payment on my lunch break. 

On XX/XX/23 XXXX PST I made a payment online. 

On XX/XX/23 XXXX PST I received another call from Navient for purpose of debt collection on the same account. I requested to speak to a Supervisor and it took a lot of talking to finally get transfered to a Supervisor. Once I spoke to a supervisor they couldn't find in their system that I spoke with someone earlier in the day. 

My payment was 10 days late in regards to the debt collection harassment I received.

Company response to consumer: Closed with explanation