BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: JPMORGAN CHASE & CO.
State: OH
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:
An unknown individual attempted to open a chase credit card in my name. I received a notice through chase journey and credit karma in regards to a hard inquiry on my credit, which wasn't me. I contacted chase to deny the application and they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had an account with Union Bank for years. Now that my account has been merged with US Bank, I have had an account with US Bank. As soon as I have enabled XXXX on my account, I have been unable to access my account on multiple browsers, on multiple different devices. Whenever I try logging in on a computer I encounter an issue where the page no longer logs in and instead continually tries to reload. If this is not fixed soon, I will be closing my account and contacting the credit bureaus. The fact that a large bank is allowed to have such incompetent web devs working for them is a XXXX XXXX. A XXXX XXXX XXXX XXXX XXXX XXXX could do better.

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 2023-11-14
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Ive received my credit report in the mail after I requested it because I got denied a checking account from XXXX XXXX XXXXXXXX. My chase account was also closed and I believe it was hack for some because I see a transaction from XX/XX/23 that I never seen till now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Date Opened : XX/XX/2022 Defamation Of Character Defamation is the act of harming a person 's reputation through the use of words. When defaming words are in writing this is known as libel defamation. 

1. Publication of information is required 2. The person being defamed was identified by the statement 3. The remarks had a negative impact on the person 's reputation 4. The published information is demonstrably false This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data for the account opened XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Consumer Adjustment Company Incorporated
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: Information belongs to someone else

Complaint:
I got an alert that there was a " check by phone '' loan opened in my name in 2017. I disputed this with the creditor and with the credit reporting agency. 
ACCT NO. : XXXX ACCT BALANCE : {$360.00} ( this is with interest included ) ORIGINAL BALANCE : {$300.00} This was NOT me, I had a slew of loans and accounts opened in my name around the time of this happening. My email was hacked as well as my bank accounts. I have reported this previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: SYNCHRONY FINANCIAL
State: GA
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:
i was incarcerated up until XX/XX/XXXX in which ive filed identity theft reports from whomever may have used my info i did not authorize nor benefit from any of these thingd there are inquiries from 17 and 18 that are not me due to me being incarcerated and this can be proven as far as my whereabouts theres XXXX XXXX XX/XX/XXXX walmart syncbc XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX i even see some recent from XXXX XXXX that i did not do therefore im placing a security freeze due to whomever still having my info a XXXX XXXX XX/XX/XXXX a XXXX XXXX XX/XX/XXXX a XXXX XXXX XX/XX/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 2019-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Background Information : In XX/XX/XXXX, I hired a photographer, XXXX XXXX, for my wedding. Initially XXXX was booked for my original wedding date XX/XX/XXXX so she said that if I changed my wedding date, she would provide free 6 hours of videography. My husband and I agreed to move our wedding to XX/XX/XXXX, and we paid the deposit, {$400.00}, on XX/XX/XXXX. We paid {$1100.00} on XX/XX/XXXX and another {$1100.00} on XX/XX/XXXX. The invoice attached, # 137,  states 6 hours of wedding day coverage, 6 hours of video coverage, printing rights, online gallery, and a bridal session. 
After the wedding, XXXX stopped communicating, she lives in Idaho. She became difficult to reach and we did not receive sneak peek photos or anything until XX/XX/XXXX. I began inquiring about the video coverage but she either ignored my phone calls, stated she was in the process of moving or did not have internet. At one point she reminded me, per the contract, she had 8 weeks to deliver, XX/XX/XXXX, and she mentioned that she'd reach out as soon as the video was ready. 
On XX/XX/XXXX, when I still had not received the video coverage, I reached out and I received no response through text, email or phone calls. Since then she has not indicated that she is working on our project. XXXX XXXX does false advertising and doesn't complete projects within the contracts timeframe. If we knew that we would not receive the video then we would have gone with another company and kept our original wedding date. It seems as though she baited us with the incentive and never intended to complete such project. 
Reading XXXX reviews of her now, many other clients are stating the same thing and are pursuing legal action. She had done this multiple times to other clients. 
I sent a XXXX online complaint on XX/XX/XXXX but she refused to reply and XXXX   closed the complaint as a no reply from business, I reached out to Bank of America over the phone to attempt to get my money back as this was clearly fraud. Over the phone, in XX/XX/XXXX, the representative of Bank of America stated that because it had been over a year since the first transaction of {$400.00} ( XX/XX/XXXX ), she was unable to pursue the claim but she could pursue the other two claims on XX/XX/XXXX and XX/XX/XXXX. I understood that was fair and shortly after I received a credit for {$2300.00}. 
However on XX/XX/XXXX, I received a message from Bank of America stating the time frame for them to pursue this matter was closed, contradicting what was stated over the phone. Over the phone the representative stated they had a year to pursue the claim. It is unethical to contradict this statement especially in the face of 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 2023-05-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed.

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2022-06-01
Company: Experian Information Solutions Inc.
State: AZ
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:
I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : XXXX Collection : XXXX Balance : {$2000.00} Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN Collection : XXXX Balance : {$2000.00} XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$100.00} XXXX XXXX  Balance : {$150.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection : XXXX Balance : {$2000.00} Inquiries : XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XX/XX/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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2023-05-10
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

The Bureaus are govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed.

According to 15 USC 1681, I have the right to privacy and i did not give a written permission to furnish these accounts. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 2022

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 2023-05-10
Company: Experian Information Solutions Inc.
State: MO
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 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 explanation
Consumer complaint received 2022-06-04
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On XX/XX/2022, I closed on a home equity loan with PNC Bank. After my 3 day recision period, my loan product was not available to me and was not yet funded by the bank. I was advised by my loan processor that after the mandatory recision period, I could request a convenience check from a local branch that would give me immediate access to my funds until my checks and access card came in the mail within 7-10 business days. PNC has placed a lien on my property and I do not have the loan proceeds in return or a copy of my closing documents. I have been given all sorts of internal administrative excuses that were not disclosed to me during the loan process or recision period. During this entire process their was a complete lack of transparency and communication from PNC. I did not sign any agreement giving PNC an indeterminate amount of time to process or hold the loan beyond our closing agreement recision period. This is a deceptive practice by PNC. Whereas they have a right to my home, but I have dont have immediate access to the funds. Additionally, if I wanted to cancel and move forward with another lender, I cant proceed because my recision period has expired and this would be an administrative burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have received a bill and attempted to reach Edfinancial via phone on XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23 and after waiting for longer than XXXX hour each time to be disconnected from the call queue. I have sent a " contact us '' message via the portal on XX/XX/23 and have not received any response. I have also uploaded court documents into the web portal as this debt was XXXX in bankruptcy and still no response and the online portal indicates the debt is past due. It is very difficult to reach someone at XXXX by any means.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-06
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: Problem with personal statement of dispute

Complaint:
I have disputed a collection from XXXX XXXX XXXX XXXX in my Transunion credit report because the delinquent XXXX  XXXX XXXX account does not belong to me. The account is opened by my tenant, and I don't how the account is a joint account with my name on it because I have not signed any contract. My credit score is lowered at no fault of my own. The dispute result states that the collection is " accurate and updated '' as of XX/XX/2023. How did Transunion verify the collection without requesting for the signed contract? What law states that the landlord is responsible for the actions of the tenant? Transunion is blindingly taking XXXX word without requesting for hard evidence. Transunion is complicit in this fraud allowing XXXX to use my credit score as a harassment tool to cause undue stress. Furthermore, my tenant has paid off the balance. The attached shows XXXX has cashed her check on XX/XX/2023. I want to upload this new evidence in Transunion 's website, but it looks like that upload option no longer appears on the dispute web page. So after one dispute submission, Transunion has blocked me from submitting a new dispute or follow up on an existing dispute again. FYI, XXXX does allow you to follow up or submit a new dispute.

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 2023-05-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX BANK XXXX  XXXX XXXX XXXX XXXXXXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
This is a request for information as well as notice of error. On XX/XX/2023 RightPath Servicing responded to my complaint. In their response, on page 2 paragraph 2,3,4 and 5 RightPath Servicing quotes information found in my master insurance policy and states page 82, section A.2. states that building does NOT include any personal property within the individual units or limited common elements except as provided in Paragraph A.1.f of this endorsement. Then goes on to describe permanent attachments/fixtures to the structure such as electrical fixtures, built-in cabinets and countertops and appliances etc. as being personal property. 
ANY permanently affixed fixtures, cabinets or wall & ceiling coverings ( paint ) and floor coverings ( carpet etc ) would NEVER be considered personal property in ANY type of insurance policy. 
I am not sure where XXXX learned that what she has described as personal property is considered such but I am requesting the documents she has relied on to make such a claim. 
It appears the response letter is a mix of language found within the policy and the letter provides no nexus to the claims made that these described features/fixtures of the condominium fall under personal property and are not covered by the All-In proof of insurance I have provided. Page 82, section A.2 and Paragraph A.1.f are mentioned but not provided to show that 1. These features/fixtures of the condominium are considered personal property and 2. These fixtures are not covered by the insurance policy. 

Please respond promptly.

Company response to consumer: Closed with explanation