BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and I was denied credit limit increase on my XXXX card because of too many inquiries from XXXX XXXXXXXX and BMO harris bank and I have duplicate inquiries from XXXX XXXX and 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 2023-11-06
Company: JPMORGAN CHASE & CO.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX I called in a stolen/lost card to Chase. The company assured me the card hard been cancelled and that a new card had been sent. I continued on with my business trip only to find out that my checking account had {$10000.00} dollars on dates XX/XX/XXXX and XX/XX/XXXX. One of Chase ' employees must not have submitted the cancellation. I went in to the Chase branch, opened a claim against the charges. The charges were initially reversed, and then on XX/XX/XXXX the claims were reversed on my account by Chase. I went in to the branch again today XXXX XXXX XXXX XXXX XXXX to ask why the claim was reversed. I was informed that due to the pin being used on the charges that the claim was changed. I had to remind them that it was their fault for not cancelling the card on XX/XX/XXXX that the charges here after were Chase 's fault. Chase should have safeguards in place, as for each of the 5 {$1000.00} dollar cash back requests at XXXX that were not authorized by me. 5 separate transactions for XXXX dollars each was not once verified by text or a phone call to me on a card that should have been cancelled debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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: Credit inquiries on your report that you don't recognize

Complaint:
The Credit Bureaus are aware that there has been unauthorized activity using my credit profile. I have issued fraud alerts with all 3 Bureaus to ensure that proper verification is used when applying for credit. I have disputed these inquiries with the Credit Bureaus and the creditor grantors. XXXX sent back written response explaining that all inquiries are a matter of fact and will remain to affect my credit report for 2 years ( see attachment 's ). I have submitted a complaint with the Federal Trade commission Claim number XXXX ( see attachment ). These inquiries are unauthorized without permissible purpose I want these hard inquiries removed from my consumer profile immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-09
Company: BANCO POPULAR DE PUERTO RICO
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account was closed and resolved. It was not on my credit report. The last payment on this house was XX/XX/XXXX and it went to foreclose in XX/XX/XXXX. This account did show on my credit report for the past 11 plus years. I have spoken to several employees from this bank and they all just give me the round around, most of them just hang up or leave me on waiting. They do not want to give me any proper documents to support my case.

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 2023-02-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have a Visa with Citizen Bank My statement for XX/XX/2023 balance was {$710.00} I paid in full on XX/XX/2023, at branch location. I received a statement for XX/XX/2023 with summary activity payment of {$710.00} no charged but {$7.00} interest charged {$7.00}. I called and was told because I didn't pay in 5 month the balance time frame I received. I this fee. I said I never been late and was paying {$500.00} for three months because of the interest was high so interest on XXXX is {$7.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-01
Company: Experian Information Solutions Inc.
State: SC
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 have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2023-08-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPE BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715,719, 1 PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Flagstar Bank, N.A.
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:
This is Flagstar Bank. Flagstar Bank has now reported me late payment twice now for XXXX and XXXX. I have made every payment on time. My problem is in XXXX, my boat has been up for sale and actually sold today, however the XXXX payment went through the cracks because my wife had major XXXX for her XXXX that she had and also I did not think I had to make the payment as my boat was up for sale and the loan would be made whole. I did make the XXXX payment on XX/XX/XXXX and made the XXXX payment on the XXXX. I apologize for making the XXXX payment late however I have a lot going on and my boat was up for sale as well but I did make the payment. I reached out and made a dispute with XXXX XXXX in which was denied by Flagstar. I called Flagstar and spoke with a supervisor who was very rude and was not able to assist me, I asked to speak to someone above him in which he said there was no one else I could speak to and said Im here all day and hung up on me. I would like to file a complaint against Flagstar Bank as they have negatively affected my credit score. I am asking that because I have made all my payments on time throughout the course of having my boat I ask for this to be resolved with my credit score and the late payments to be taking off my credit. My credit is very important to me and I have shown to have excellent payment history. Also Flagstar will also be made whole in their loan as my boat has just sold today. I would like to speak to someone about this further ( XXXX ) XXXX. I would like this resolved ASAP. 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 2023-02-14
Company: EQUIFAX, INC.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 11 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Liberty Home Mortgage Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was under a contract to purchase a property located at XXXX XXXX XXXX, XXXX XXXX, IL on XXXX.The lender was Liberty Home Mortgage Corporation in Ohio. Process went well, submitted all the paperwork, paid for FHA APPRAISAL of {$520.00} and Home Inspection of {$350.00}, earnest money to listing agent of {$1000.00}. I spoke to my lender 2 days prior to closing and everything was great. I received a call from the lender the day before closing which I did not have full disclosure the property taxes were {$8500.00} instead of {$3000.00}. So, the deal fell through. I am asking for my XXXX plus XXXX. I am waiting to receive my earnest money ( XXXX ) returned to me. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Jon Barry and Associates, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The XXXX XXXX XXXX is trying to collect a debt from a hospital visit, however it was discharged in Chapter XXXX this past XX/XX/XXXX. I explained this to them, but they proceeded to add this to my credit report as debt owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My lender keeps on lying and giving false information. I submitted an application for loss mitigation to keep my home but they stated the investor does not offer Modification that is why there was no review made. They accepted the application and now they are telling me that my application cant be reviewed when they clearly said that I have options. They are not helping me at all with situation. All I want is help to save my home and have my application reviewed and modified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had following 3 loan # s in COVID-19 related forbearance with Mr. Cooper/Nationstar Mortgage with the unpaid balances as follows : # XXXX for {$360000.00} ( primary residence ) # XXXX for {$110000.00} # XXXX for {$120000.00} I just finished trial payments and was approved for a loan modifications for all 3, however the Mod. Agreements they sent me had a paragraph that basically directs me to transfer leasing authority to the lender even if I'm not in default. 

I called the Customer Service on XX/XX/XXXX and the rep. agreed that the language needed to be added and stated that I should add the statement about applicability only if I'm in default which is what I did. However, a week later, they sent me a note saying that I either need to sign the agreement as is w/out any changes or face foreclosure -THIS INTIMIDATION WHEN THEY MADE A MISTAKE, IS NOTHING BUT PREDATORY LENDING! 

Yesterday, I called the service again and followed up with an email below. Today I called them and told them that if I didn't receive a written confirmation of what rep told me over the phone, I would be filing a complaint w/CFPB. 

They have not responded since and the pmt is due tomorrow. 

-- -- -- -- -- Forwarded message -- -- -- -- - From : Luxury Realty XXXX Date : Tue, XX/XX/XXXX at XXXX PM Subject : URGENT : Loan ( # XXXX ) Modification Agreement language To : XXXX Hello, I'm contacting you regarding the ticket # XXXX that I received via secure Message Center in response to the issue I reported on XX/XX/XXXX w. the Modification Agreement I signed. Specifically, Section 6 ( g ), paragraph 1 implies that Mr. Cooper can take over existing leases or execute new ones, regardless of whether my loan is in foreclosure status or not.

I called the Cust. Service on XX/XX/XXXX about this issue and the rep agreed that the language should indicate that paragraph being applicable only if I default on the loan and told me that I should add that statement and initial it, which is what I did the same day ( see attached ). 

I just got a letter stating that the agreement language can't be modified so I called again and the rep confirmed the same, but also confirmed that Mr. Cooper would never try to change any existing leases or start new ones unless I was in foreclosure. 

Verbal confirmation is great, but I need someone to respond to this email stating the same in which case I will send back that page w/out my handwriting ; basically something that tells me that my current tenants are not going to be asked to leave or I'm told that I need to lease the property to a new tenant. 

Same exact issue exists on agreements for my other 2 loans, but a single email or letter ( if that's easier ) that states that Sec. 6 ( g ) Paragraph 1 is applicable when loan is in Foreclosure status will be sufficient. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
There is a credit card that was opened under my maiden name in XXXX of 2019 but I got married XX/XX/2019 and it was opened after. I changed my name the next business day after getting married and I wasnt aware of it until we tried to get a house this year. I opened one with a XXXX $ credit but I closed it because I no longer needed it. And now this one is unknown to me and its in collections so Im trying to figure everything out

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 2022-11-03
Company: EQUIFAX, 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:
I am writing this letter because I still believe there are some errors on my credit. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate the following items : XXXX XXXX XXXX : {$0.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or remove this from my file. 

DEPT OF EDUCATIONXXXX XXXX Balance : {$6700.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this deleted immediately. 

DEPT OF EDUCATIONXXXX XXXX Balance : {$5100.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate deletion of this item is necessary. 

DEPT OF EDUCATIONXXXX XXXX Balance : {$5100.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this updated now. 

DEPT OF EDUCATIONXXXX XXXX Balance : {$2000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, delete the account from my report. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$1500.00} - An account showing to be currently 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and remove the current status to reflect accurately. Otherwise, remove this account immediately. 

XXXX XXXX XXXX Balance : {$3700.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, delete or remove ASAP. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} - Please review your records regarding this account, as we have established your bureau 's propensity for reporting inaccuracies, and validate this item immediately. Remove if unable to validate. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - This account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST delete this immediately. 

I would appreciate it when you have finished your investigation to receive a detailed report on each of the items I requested investigation for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Racism and discrimination Closed my account before I authorized/no notice I contacted to close month before but they just reversed my pay They took {$75.00} annual fee without letting me know in notice first I DID NOT KNOW ELSE I WOUKD HAVE CLOSED They were trying to sabotage my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX and gap  insurance. My finance company was Chase auto finance. On XX/XX/XXXX my XXXX was totaled. My insurance at the time XXXX. Paid Chase auto finance XXXX. My Gap insurance paid the rest. Chase auto finance still says I owe them XXXX. I have disputed this information and submitted documents. To XXXX and XXXX on two Occasions. This information still remains on my credit as unpaid. The documents below will prove I am telling the truth. Proof of what XXXX paid and proof of purchase of gap insurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: VA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I received a response from the 3 reporting credit bureau 's XXXX, Experian, and XXXX  that 2 items on my credit report were correct and could not be deleted until XXXX. 

The two items in question is with XXXX # XXXX date opened XX/XX/XXXX and date open XX/XX/XXXX. On both accounts its reporting the last payment made was XX/XX/XXXX which is not true I never made a payment on either account so they are reporting false information to keep these negative accounts on my record for more than 10 years. 

When I received my credit report in XXXX it showed on these two accounts that they would be eligible to be deleted in XXXX. That did not happen so when I contacted the 3 reporting agencies they ended up extending it to XXXX which is greater than the 10 years of which these accounts were first open and I was over 120 days past due.

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