BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: JPMORGAN CHASE & CO.
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:
Vacation in XXXX at my parents home in XXXX, on XX/XX/2023 around XXXX XXXX XXXX ( XXXX EST ), I was checking my XXXX emails and saw 3 emails from chase. XXXX email says I have added a payee by name " XXXX XXXX - XXXX XXXX BANK '' XXXX email about bill payment of {$4000.00} to the " XXXX XXXX ''. XXXX email about the balance below {$50.00}. All XXXX emails got into my inbox around same time at XXXX XXXX time ( XXXX EST ). Received emails around XXXX mins before I checked the emails. 

Immediately, I signed into my chase account to check and surprisingly I found a payee added by name " XXXX XXXX '' with a XXXX digit number and a transaction for transfer of {$4000.00} paid as a bill to this payee. 

I have not signed into my account on that day before this and never added this payee ( dont know who is this ) and never transferred any money. I saw that the transaction was still in pending status. 

I called in Chase and reported about this activity and filed a claim # XXXX XXXX XXXX XXXX, they mentioned it will be taken care of. 

I called Chase again on XX/XX/2023, assuming that they sorted the problem out, it is to my surprise that they said, in their investigation it is found that the activity happened thru the same device that I have used in the past, and they believe that the transaction done by me. And they said the case has been denied not willing to re-open it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Fairway Independent Mortgage Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/22 I was contacted by Fairway Independent Mortgage after I was looking to get matched with a mortgage lending company to get more information of FHA loans and other loans for first time home buyers with a credit portfolio similar to the one I have. I spoke to XXXX XXXX and told him I was merely interested in figuring out where my wife and I stood, but that I did not have her information readily available since she was at work. Most importantly I told him we were not prepared to purchase just yet, ONLY to get some ideas on what we needed to do and where we needed to go next. I gave him my personal information for him to get started, expecting no more than a soft credit inquiry. I added what information I could to the online profile and was not even finished adding my W2 information when I received an email from the company that due to my income and credit score they would not be able to provide me financing at this time. Which is not what I asked for. My credit score then showed a XXXX hit to both my XXXX and XXXX for the hard inquiry that Fairway Independent Mortgage performed without my consent and before I was even done with my application process. Now this is on my credit score and could be for the next two years and could severely impact my ability to finance a home. This hard credit inquiry was done without my consent. Fairway Independent Mortgage has not returned my calls or emails regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

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 2022-01-04
Company: Statebridge Company
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Started a refi in XX/XX/XXXX to consolidate debt and to pay off the account I have with them. 

It is now XX/XX/XXXX and they still wont provide a payoff statement and have completely held up my refi as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: NY
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:
This is my complaint to Experian for continuously reporting fraudulent and questionable accounts. I sent out letter to the bureau but they take no action, the accounts that I reported to them still reflecting on my file. I sent out the letter last XX/XX/ and until they did not take action in correcting the accounts. I have attached also my FTC report number XXXX for the references of these fraudulent accounts.

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 2023-09-06
Company: Atlanticus Services Corporation
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am enrolled in credit protection, I was approved for credit protection. Per the Credit protection ADDENDUM, Fortiva will make the minimum payments due for 6 months if need be.. Fortiva did not make the minimum payment XX/XX/2023 nor are they willing to make the minimum payment for XX/XX/2023. The minimum payment due XX/XX/2023 is XXXX they are willing to only pay {$88.00} leaving a balance of XXXX so they can report my account as late to the credit bureaus, Again. XX/XX/2023 my payment due was XXXX they made a payment XX/XX/2023 of XXXX left a balance and reported my account late to the credit beaureas. I disputed it with the credit bureaus and they sided with Fortiva. 
This is what is in their Addendum. i copied ands pasted it. 

Minimum Payment Benefit : During a Minimum Payment Benefit Period, your responsibility to make a minimum payment on your Account is eliminated ( excluding any past due or over-limit amounts ) as a result of your activation of a Benefit for Involuntary Job Loss, Disability, or Hospitalization. We will not bill your Account for Fortiva Credit Protection Fees, and we will make any minimum payments due on your behalf during the Minimum Payment Benefit Period. However, finance charges will continue to accrue during the Minimum Payment Benefit Period. Any scheduled annual fee provided for in your Agreement will be deferred until the Minimum Payment Benefit Period has ended. Once the Minimum Payment Benefit Period has ended you will be obligated to repay the amount outstanding on your Account, including any charges posted during the Minimum Payment Benefit Period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
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:
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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX ( Bank ) Account name : XXXX XXXX XXXX XXXX ( Finance ) Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX  XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX  Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : 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 non-monetary relief
Consumer complaint received 2023-08-18
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 file is attached with all information needed. Please remove this from my credit report. This is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: Experian Information Solutions 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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 2023-04-27
Company: Experian Information Solutions Inc.
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 submitted a complaint last XX/XX/XXXX, XX/XX/2023 and XX/XX/XXXX and they were all closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved and CFPB closed my complaint because it has already processed your earlier complaints about this problem. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 non-monetary relief
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NJ
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 and XXXX XXXX XXXX XXXX Account # 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

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 2022-12-30
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is in reference to PHH Mortgage handling of escrow account funds ; including the failure to adhere to the Maryland Code Commercial Law XXXX Interest on escrow accounts as well as the mishandling of Maryland XXXX XXXX XXXX XXXX to PHH ( due to tax credits ) on XX/XX/XXXX. 
XX/XX/XXXX - Annual escrow statement [ Attachment 1 ] Reveal escrow shortage of {$230.00} with a new mortgage payment in XXXX of {$1400.00}. I utilized Option 1 ) Do Nothing and added 12 months of {$19.00} that began in XX/XX/XXXX. Document supported no evidence of adherence to Maryland Code ; interest on escrow account XX/XX/XXXX XXXX disbursed remaining balance of tax assessment - {$1600.00} [ A ] XX/XX/XXXX The taxes paid on XX/XX/XXXX were refunded in its entirety {$1600.00} [ B ] due to MD Maryland XXXX tax credit program. 
XX/XX/XXXX Called XXXX XXXX. to inquire of the refunded escrow dollars and was advised that an additional escrow analysis was required. See OFF-Scheduled Escrow statement dated XX/XX/XXXX. This document also does not include evidence of adherence to the Maryland code. However, a refund was issued to me in the amount of {$1400.00} [ C ]. However this refund was NOT received until XX/XX/XXXX. This was ( XXXX ) days are they received the refund. 
On numerous occasions I have inquired as to my escrow account and why this account was not eligible for the accrued interest along with supporting documented law that suggest this action. See attachments for evidence of previous request along with their response letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Freedom Mortgage approved my Loan Modification on XX/XX/XXXX, my call history and promised date back to XX/XX/XXXX. Finally got a manager XXXX ID # XXXX on XX/XX/XXXX he promised an overnight the modification paper next day. I waited til XX/XX/XXXX called and talked to operator whom then got me to XXXX ID # XXXX, whom started an email conversation with QNA department to expedite my process. The company acknowledges it knows the law and has up to 45 days to get me my documents for the modification loan. Still didn't get a answer so I called back XX/XX/XXXX and was still stone walled with excuses. I need my modification documents, please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Problem company : SPECIALIZED LOAN SERVICING. Problem : I am paying my monthly loan payment in advance before the date it is due and instead of crediting my loan payment to my loan as a monthly loan payment the company is crediting my payment as a " principal only '' payment and then when the monthly loan payment due date arrives the companyis stating that they never received my monthly loan payment. Then, the company is marking me as not paid and is then charging me a " late fee. '' I tried calling the company to get this corrected. They never corrected the problem. 
I tried writing the company to get this corrected. They never corrected the problem. 
Instead, they said they corrected the problem - which they did not - and they said they were sending me a " confirming letter '' confirming that the problem was corrected. Instead, they sent me another borrower 's information - and they never corrected the problems with my accounts.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Im completely unaware and have NO KNOWLEDGE of any of theHard Inquiries on my credit report.

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 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING. HARD INQUIRIES XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. 

XXXX XXXX  XXXX XXXX {$570.00} XXXX XXXX XXXX {$680.00} XXXX {$20000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$20000.00} XXXX The XXXXXXXX XXXX XXXXXXXX Department of Education all XXXX loan accounts. 
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 2022-01-03
Company: National Advisory Group, Inc
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
a company called national Advisory was going to manage my student loan debt, Ive sent them XXXX per month for the last 5 months, but have heard nothing from them. I called the Federal Student Loan office and they have never heard of this company. this company does not return phone calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed a collection account ( XXXX XXXX ) on my credit file with Transunion and XXXX telling them that this collection account was dismissed in court. They have stated that the account is " closed ''. The problem is that the account should not have been reported to begin with. 

The reason it was dismissed is because the plaintiff knew they had no evidence that the account belongs to me. I am trying to secure a new car lease and am unable because of this problem. 

I have asked them to verify, then validate ( they said the account was validated ) when I pressed them for methods of validation. There was either no answer or the same " verified '' comment on correspondence.

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