BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Loan # XXXX On Wednesday, XX/XX/2022, at XXXX XXXX  CST, XXXX. XXXX XXXX wrote : To Whom This May Concern : We need all timely filed records and official and legal records generating my signatures on the contract. 

Everyone clearly knows what I am asking for and requesting. 

Chase Bank of Financial institution needs to be sending me the Department of the Army Records and Department of Veteran Affairs ' legal records and the Department of Veteran Affairs ' Appraisal record certification on this property on the proper starting date from XX/XX/XXXX - XX/XX/2022, and after XX/XX/2022, to this date. 

I still have not received any official and legal record from Chase to support their statement or claim as to why this deal was not closed on the date and time it should have been closed. 

I still don't have your official and legal records from my employer or anything from my employer showing support records to support such a statement of record. 

If this is not discrimination, then please explain to me what discrimination under the law is. 

The attached records are returned for more work. I am not going to agree to end anything until I get the PROPER RECORDS that I am asking for. 

This process is very simple people. I do business that is legal, accurate, proper, and correct, and not business just done any kind of way that is not legal, accurate, proper, and correct. Explain to me what I did wrong and what I failed to do in this process, and I will counterclaim your statement with my PROPER RECORDS. 

As soon as Chase Bank turns over those professional records they should have been verified by now and if the seller still wants to terminate this agreement, then he can do so. 

Chase should be talking to my legal counsel of records on file to get any legal records they may need or should have used in the parts of this process ; therefore, your records must be PROPER RECORDS and sworn and certified under a sworn affidavit under oath with proper signatures in blue OR black ink.

Chase Executive Office still knows that their consent records are still outstanding as of you receive this email notification. 
All your records will be used and are needed in other legal records. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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: Information belongs to someone else

Complaint:
I have attempted to file several disputes already with the credit bureaus regarding a fraud auto lease which identity thieves obtained by using my personal information. I have been a victim of identity theft and this auto lease was opened fraudulently due to the identity thief using my personal information to obtain services from the creditor XXXX XXXX XXXX and XXXX XXXX XXXX. This auto lease is a closed account reporting on the credit bureaus, however, it does not belong to me because I did not lease nor did I buy a vehicle from the mentioned creditors. I have attempted to dispute the fraud account that has been reporting on the credit bureaus however the credit bureaus have refused to cooperate claiming false allegations that the accounts are mine. I have explained it to them countless times that these account are fraudulent however, they do not seem to understand. This issue must be resolved, the reason I am filing this complaint is to notify the proper authorities of the countless violations that the creditors and the credit bureaus have been conducting. They have been cooperating with identity thieves which they fraudulently used my personal information to obtain fraud services by tarnishing my financial credibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have attempted to file several disputes already with the credit bureaus regarding a fraud auto lease which identity thieves obtained by using my personal information. I have been a victim of identity theft and this auto lease was opened fraudulently due to the identity thief using my personal information to obtain services from the creditor XXXX XXXX XXXX and XXXX XXXX XXXX. This auto lease is a closed account reporting on the credit bureaus, however, it does not belong to me because I did not lease nor did I buy a vehicle from the mentioned creditors. I have attempted to dispute the fraud account that has been reporting on the credit bureaus however the credit bureaus have refused to cooperate claiming false allegations that the accounts are mine. I have explained it to them countless times that these account are fraudulent however, they do not seem to understand. This issue must be resolved, the reason I am filing this complaint is to notify the proper authorities of the countless violations that the creditors and the credit bureaus have been conducting. They have been cooperating with identity thieves which they fraudulently used my personal information to obtain fraud services by tarnishing my financial credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Transunion LLC are consumer reporting agencies and I am the XXXX. 

Any and all consent to XXXX, Transunion, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of informationto credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission.

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 2020-07-27
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern : On XX/XX/XXXX, I received the attached response ( " XXXX NJ Response XXXX '' ) from Shellpoint regarding my complaint that was filed and submitted to CFPB and the New Jersey XXXX XXXX XXXX XXXX XXXXXXXX ). The rebuttal date was XX/XX/XXXX. 

In the complaint was detailed information that highlighted the fact that Shellpoint Mortgage is knowingly overcharging my tax escrow account and assessing anticipated figures that are entirely incorrect. In their statement Shellpoint said the following : " Shellpoint completed an escrow analysis on XX/XX/XXXX, based on the anticipated hazard insurance payment of {$3400.00} and anticipated county tax installments of {$4900.00}, {$5100.00}, {$4800.00} and {$4900.00} ( totaling {$23000.00} for the upcoming yearly bills from XX/XX/XXXX to XX/XX/XXXX ). '' It should be noted that the alleged anticipated tax amount of {$23000.00} would represent an unprecedented 17.68 % increase over the previous year ( {$19000.00} ), which is undoubtedly incorrect. As explained in a letter from the City of XXXX  ( see attached " City Response Regarding Taxes '' ), this is not possible unless there was something done to change the assessed values. I've lived at this address from 17+ years and my assessed value has been pretty stagnant. As proof, the attached history ( see attached " XXXX XXXX XXXX_Tax History '' ) of my property over the past 7 years clearly shows the same assessed value since XXXX. Moreover, according to the city, the only way the assessed value can be changed is with a successful tax appeal, an improvement done to the parcel that would increase the value of the property determined by the Assessor, or a municipal wide revaluation ; none of which applies to my property. Therefore the alleged anticipated county taxes is completely made up and not justified in the city of XXXX. 

Per the attached ( see attached " XXXX XXXX XXXXCurrent Tax Bill '' ), which shows the actual tax bills for XXXX covering the last 4 quarters are as follows which totals {$19000.00}, an actual decrease of .11 % under the previous year : - {$4800.00} - {$4900.00} - {$4900.00} - {$5000.00} Based on these facts, I have been mis-billed by Shellpoint since XXXX of XXXX. In which case, i hereby request that a total of {$1100.00} ( $ XXXX since XXXX ) be returned to me immediately. 

cc : NJ Consumer Affairs Attorney General Office of NJ  Department of XXXX XXXX XXXX of NJ

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: AMERICAN EXPRESS COMPANY
State: NV
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: Was not notified of investigation status or results

Complaint:
Yes, I have tried to contact you guys multiple of time over the phone that I'm in the military and that I was told that american express Would waive off the annual fee but i kept getting different answer over the phone XXXX rep has told me that i wouldn't need to do anything and a few other rep took down my social number and date of birth that i would need to submit a claim.. is there way for me to get this done asap? I'm just tired of getting different answer on what to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-04
Company: Navient Solutions, LLC.
State: NY
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:
My student loan was with Salle Mae, about 27years ago. I consolidated in XX/XX/XXXX and made payments accordingly. in XX/XX/XXXX I  refinanced and made a lump sum payment to Salle Mae for XXXX dollar and another {$2300.00}. to pay off the balance of my student loan. I have had no communication with Salle Mae since then, until 2 years ago i started getting call from Navient saying I was in default and how much money can i pay to bring my account current. of course i did not believe this was legitimate, since i paid off my student loan and did not know of Navient, i thought they were scam calls. The calls still kept coming, when finally i ask for proof. The proof sent to me was a copy XX/XX/XXXX promissory note, which does not prove that i had a balance. I call Navient to explain how i happen to owe a balance after my lump sum payment -they said they would look into my account - i ask for a copy of they account history. I finally got a copy a couple months ago. It show may lump sum payment, but no balance after the payment was posted, but a lot of other charges over the years to the tune of {$26000.00}. I ask how is it that after 10 years they are now contacting about this issue. I have no explanation. I have now contact Navient, XXXX, XXXX, XXXX XXXX. They threaten garnishing my salary, my Social Security, my taxes. but no explanation of the balance which they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/2020 I have received a marketing offer ( attached ) for a business visa card that requires a spending threshold of {$7500.00} in first 120 days to receive a {$750.00} bonus. I applied for the card and received it. However the credit limit was set at {$1000.00} making the threshold meet impossible. I have contacted the XXXX of the card at the bank and ask for either increase of the credit limit to {$8000.00} so the spending threshold can be met or transfer my credit limit from other existing credit card that I have with US bank that has currently {$0.00} balance. The staff at the US bank refused and the supervisor at the bank XXXX informed me that he's not authorized to address this issue. 
Here is the bottom line : it appears that the US Bank sent me an offer in bad faith as it has sent the credit limit purposefully low so the offer 's spending benchmark can not be met.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
After the breach by the cash app employee, multiple attempts were made against my account to use my card at XXXX. Most were denied due to suspicious activity but one was paid and Im out XXXX XXXX Cash app referred me the XXXX but I dont have an order number or anything to file a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was charged {$36.00} XXXX dollars for two years of education though the annual dicots is {$11.00} XXXX. In addition I have paid {$31000.00} but they are still demanding {$26000.00} more. I spoke with the customer service team to no avail. They too are confused how this could happen but suspect it is due to multiple forebearances. However at the end of the day it would make the loan 100 % interest which would be impossible to pay off. When the call center could not explain what the issue is, my request to have them revise my bill ended with an itemized list of payments and charges ( about 25 pages ) but still ended with me owing {$26000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I do not understand why I have to keep submitting the affidavit and disputes to Equifax in one year. The first time was XX/XX/XXXX the second XX/XX/XXXX and the third was XX/XX/XXXX. We are now at the of XX/XX/XXXX and Equifax has still not DONE ANYTHING!!!!!!. XXXX  has already fix the issues why hasn't Equifax makes no sense. 
They are keeping me from opening an account with XXXX  XXXX XXXX because they have yet to conclude my fraud case. I have sent in the affidavit several times, so why is this taking over a year to complete? 
These are not my collections on my report and I have sent in proof they are not. If this is not taking care of I SUE!!!!! .. There is no excuse for this and why it hasn't been taking care of.. 

FIX IT NOW!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 following accounts have violated my rights : XXXX XXXX XXXXXXXX account numbers XXXX, XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX  Account number XXXXXXXX XXXX Account Number XXXX XXXX XXXX  Account XXXX 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 States that a consumer reporting agency can not furnish an account without my written instruction.

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 2021-09-21
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was affected by the Covid-19 Pandemic 2020 and I called Discover to discuss covid-19 payment options. Discover offered me a program to split my payments into {$150.00} per month until the balance was paid being that I was affected by Covid-19. I did not know my credit limit would be frozen once I started the covid payment program. I paid the balance off to {$0.00} but my available credit line is still not available. I have had no late payments since I completed the covid payment program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX has changed the CD and terms of this loan. They were allowing the seller credit to take care of all Fees and disclosed this in the XXXX they send me, but now that we are trying to fund, they are saying that we can not use some {$5000.00} of the seller credit to close. My contract expired on XX/XX/10 I have an extension to the XXXX. But we have not funded. My name is XXXX XXXX XXXX and My Email address is XXXX my phone number is XXXX. My loan # XXXX XXXX XXXX is 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 2023-10-24
Company: Experian Information Solutions Inc.
State: MI
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: Investigation took more than 30 days

Complaint:
I have filed a dispute with the credit reporting agency in regard to the inaccurate information reporting to my credit report. I never received any notifications in regard to the investigation results. It has now been more than 30 days since I filed a 30 demand to comply with the credit bureaus and still have yet to receive any response.

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