BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-06
Company: JPMORGAN CHASE & CO.
State: AZ
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:
Applied for a Chase Saphire Preferred card in the Chase branch located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, AZ XXXX on XX/XX/XXXX. 

Banker took my information and a full application was submitted. After a long wait, it was apparent that there was some sort of error and the application did not appear to go through. Out of an abundance of caution, the banker called the Chase lending department to inquire about the status of the application. He was told that an application did not go through, my credit was not pulled, and was advised to resubmit my application through the chase website directly. 

It was noted that this was a known error when applying for this card in branch, and that I would not be at risk of two hard inquiries. The banker then submitted my application again and I was approved. 

The following day, my XXXX  credit report showed two hard inquiries from Chase Bank. The first on XX/XX/XXXX, and a second on XX/XX/XXXX, the day after my initial application. 

The banker who processed my applications reached out directly to the lending department on XX/XX/XXXX to request that one inquiry be removed as it was the direct result of incorrect information given from the Chase lending department. The agent said there was nothing that can be done, instead passing the blame onto the banker. Again, I was present when the banker called the lending department to advise if my applicaiton had been submitted and was ensured that it had not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage payments have always been prior to their due date and never behind schedule. We received a tax bill from our Township stating that the taxes had not be paid. Upon reaching out to Bank of America, they informed us that the taxes had not been paid. They had an incorrect due date of XX/XX/2022. The correct due date for my taxes is XX/XX/2022 with a delinquent date of XX/XX/2022. Once a discussion was had with the Bank, they also informed me of the correct amount of taxes being paid by about {$800.00}. The best that they could promise was that the taxes would be paid " sometime before the delinquent date '', which again was in XXXX days.

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 2021-12-08
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Paypal Holdings, Inc
State: FL
Product: Credit card or prepaid 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:
paypal is billing me for a charge i did not make or i did not apply for their card or any credit. i have tried 14 times to have them stop harrassing me but they continue. please have them stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX, I filed a FTC report due to fraudulent accounts on my credit report. There were different social security number and some addresses that didn't belong to me reporting on my profile as well. I filed a dispute with XXXX, XXXX and Experian along with FTC report, some accounts were removed but not all. I also noticed several Inquiries were not removed from report. 

I am asking for all accounts to be removed, due to these accounts are not associated with me and is keeping me from applying for credit. 

XXXX XXXX XXXX XXXX XXXXXXXX letter is attached to prove this company Deleted account but its still reporting on my profile. 
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 non-monetary relief
Consumer complaint received 2023-07-31
Company: LFG Data Services Holdings, LP
State: MI
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 have reached out to XXXX XXXX and XXXX to demand them to remove any bankruptcy information they are report in their data base i have provide information showing that any information pertaining a bankruptcy in their data base. Their company is storing inaccurate information and must be removed immediately, i provide documentation for the courts, stating they do not report any information like that to no company or any credit bureaus. This information is not verified from the actual source, they source has stated the information is not mine and they dont report information to any company, or third parties, or credit bureau agency , this bankruptcy is not verified information from the US court, because I have documentation from the courts stating they havent provide any bankruptcy information attach to me to no company, and no information of me is known in the data base pertaining bankruptcy by them. XXXX XXXX have stated in a certified letter mail to me that I have no information in there data base after addition search and XXXXXXXX XXXX has not verified this bankruptcy with the actual source that l have provided that documentation from the US Court that has stated in in the records, and no information is provide by them of this bankruptcy or information with me. No XXXXXXXX XXXX  and XXXX has not provide this information, Under my FCRA rights its an violation under 15 U.S.C1692g And demanding to be removed immediately from there data bases,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 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 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 non-monetary relief
Consumer complaint received 2022-06-15
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:
In accordance with the Fair Credit Reporting act XXXX Account 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

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 2020-07-31
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a bill in XXXX from XXXX XXXX  for a supposed visit in XXXX. The address was correct, however my last name wasn't on their invoice. I called the company and talked to XXXX ( ext XXXX ) and said it must be a mistake. I have a different company that installed my Water Heater and services it - since its under warranty. She said she is not changing any records - so I talked to the owner of the company and he said he will get back to me. 6 months later, in XXXX of XXXX I received another invoice with a different visit date, postmarked for XXXX - which I thought was also odd. The amount it {$240.00} dollars. I called to XXXX ( ext XXXX ) and went through same conversation. She said she is not changing anything so I requested any documentation to show that its me they dealt with. A PO, a signed purchase order, anything with my name on it, there was nothing. Then I get a call from Transworld System, a collection agency and they are now inquiring about this debt. So now this somehow spiraled out of control without me being involved. I have never done business with XXXX XXXX, and the fact that they can simply submit me to collections is amazing. With no proof or even my correct last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Valor Intelligent Processing, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A few weeks ago I received a call from someone claiming to be from Valor Intelligence Processing, LLC.. 
Without providing any context for the call, they asked if I had an XXXX account associated with my address, which they provided. 
I declined to confirm that they had my address correct unless they could give me more information about the purpose of their call. 
They refused to say and I eventually hung up. 

Today, I received a letter from Valor Intelligence Processing saying they are trying to collect a debt on behalf of XXXX for the amount of {$870.00}. 
They provided an account # that is not mine and doesn't even appear to follow the format XXXX uses. 

I have no outstanding debts with XXXX but am concerned about engaging with the collections agency as it appears to be a scam. 
Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: CITIBANK, N.A.
State: DC
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 purchased a flight via XXXX  on my Citibank debit card. After flight cancellations, I was unable to take a flight to XXXX to be with my family for Christmas. After contacting the airline, XXXX, and Citibank, I disputed the transaction. 

Citibank provided a credit then reversed it and refuses to honor the dispute or do their due diligence.

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 2022-01-02
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt.This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. 

I am sure that I settled this account before because it was not mine. This account was taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, 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:
I am XXXX XXXX, and I am submitting this complaint on my behalf I been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these account violate the FCRA and FDCPA these accounts must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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 have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to 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 2023-09-06
Company: EQUITY LOANS LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
EPM mortgages purposely sabotage my efforts to refinance my mortgage with another lender and due to the damage by EPM to my credit it has force me into applying for an request for 6 months forbearance.

In fact, since my respectful submission to EPM for their mortgage assistance on XX/XX/23, they purposely even delayed marking my application as completed until XX/XX/23, to provide their underwriter unusual extensive processing time. 

Also following my completed application EPM notify me by telephone that the processing time would take up to 30 - 45 days to complete for an answer by the underwriter! 

However, on today XX/XX/23, EPM 's repXXXX XXXX advised me that now it would be 60 or more days before EPM would complete my application for mortgage assistance!

It's evident that EPM are NOT in the business of providing any assistance to their customers but rather force customers into a foreclosure arena before assisting them. 



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 explanation
Consumer complaint received 2019-05-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Usaa came by my home to audit a renters insurance claim and never read the police report but came in my home Deny everything I stated in the report with no proof whatsoever in an attempt to deny me due process. They claimed my window could not open and silly things like that. The person ( XXXX ) came in and then asked me for my cell phone text transcripts when it was not required to process my claim whatsoever. They have receipts, a police report, photos and instagram video footage of everything I claimed. They were more concerned about the items I did not claim which made it look like they were trying to build something on purpose discriminately. I want my claim to be treated with respect and to recover the items I reported and not be harassed for reporting it. He also lied on management and on the detectives and on my roomate in an effort trying to profile me and deny me my claim.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I noticed that my escrow payment went up {$280.00}. When I called, PNC explained that a needed to carry a certain percentage over my obligations " just in case ''. After I thought about it, I called back and a new person told me that my taxes and insurance must have went up by a few XXXX dollars per year and that I would have a big payment that month. After noticing the same increment on XX/XX/XXXX, I called my insurance and tax collector who confirmed that my annual amounts did increase by a few XXXX dollars. After doing the math, I will have paid PNC bank {$9100.00} by XX/XX/2022 where my annual expenses don't exceed {$6300.00}. I called PNC bank again on the XX/XX/XXXX and talked to XXXX who first asked me to make a {$2200.00} escrow payment. I said " absolutely not '' and he told me that he understood and will request that I manage my own escrow. He also told me that I would hear back in 10 days, which I did not. I called PNC bank again on the XXXX of XXXX and spoke to XXXX. Not only did she tell me that she couldn't find my request, but she said that this " wasn't something that they could even do. '' When I pressed for a resolution, she told me to email a letter to XXXX which I did on the XXXX of XXXX. It's been nearly 2 months since I asked for PNC bank to stop illegally taking my money and their staff seem ill equipped to resolve this issue. Even after my first tax disbursement in XXXX, I still won't be close to have a XXXX XXXX and will be well over 10 % in escrow. As a consumer, I shouldn't be forced to provide a bank an interest free loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Bread Financial Holdings, Inc.
State: NE
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 this creditor has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: CA
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 sent my letter off on XXXX, XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I attached the letter I sent out and here is the tracking number # XXXX XXXX XXXX XXXX XXXX. 

According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing multiple inaccuracies. 

Accounts listed Name : XXXX XXXX XXXX XXXX XXXXXXXX Name : XXXXXXXX XXXX XXXXXXXX Account # 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