BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-22
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I requested to close my Chase card ending XXXX, Chase did appears to close this account. 

But Chase keeps sending me blank checks to be used against the closed account. I consider this practice fraudulent, since I did not request these credit card blank checks. 

I tried to login to the closed credit card account, to log complain against this practice of sending blank checks for closed credit card account, I couldn't because the online access appears to no longer available. 

I will not be responsible in the event the blank checks are used by unauthorized people. I want Chase to discontinue all correspondence on all my requested closed accounts with Chase. 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
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:
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.

The letters are stated with items and issues.

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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: JPMORGAN CHASE & CO.
State: DE
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:
I ordered clothes from XXXX online that was supposed to be delivered to my home. Due to renovations at our home, we were relocated and I reached out to Free People to request that they have our package held at the local FedEx to avoid the package being stolen. XXXX XXXX customer service promised the packages would be held at the local office but the packages were delivered to our home anyway. When I told XXXX XXXX XXXXhat the packages were delivered and we werent home, they told me that I needed to go through my home owners insurance to pay for the missing package. I then disputed this charge through Chase four times and provided text message proof of the conversation where XXXX XXXX promised not to have the packages delivered to our home. We also advised Chase that we never received the merchandise. Chase declined every dispute saying they dont see anything wrong and theres no reason to refund the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: NC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and listed on my credit report XXXX XXXX Balance : {$250.00}

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 2021-12-22
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez account number : XXXX We need our mortgage servicer NewRez LLC DBA Shellpoint Mortgage Servicing to confirm that they have received our XXXX policy renewal documents for our homeowners insurance of which NewRez needs to pay from our escrow account. We had issues last year with NewRez claiming they had not received the proper documents etc which resulted in NewrRez telling us that they would be buying lender placed insurance on our home, NewRez did pay our XXXX insurance policy on XX/XX/XXXX. We would like to avoid receiving any letters this year telling us that NewRez will be buying Lender Placed Insurance on our mortgage. We ask that NewRez confirm receipt of our XXXX Homeowners Policy Documents from XXXX and immediately make a payment for the renewal of our XXXX Homeowners Insurance Policy. 

We have included our XXXX insurance renewal policy documents for our XXXX XXXX Homeowners Insurance Policy. NewRez should of already received the XXXX renewal policy documents for our homeowners insurance policy directly from XXXX ( the company that provides our homeowners insurance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: NV
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:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX  XXXX Balance : {$330.00} ; XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SS XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
FAMILY SUPPORT DIVISION # XXXX account is reporting 120 DAYS LATE on XX/XX/XXXX since I requested assistance due to the pandemic. I am shocked that this has happened when I had already been in contact with the FAMILY SUPPORT DIVISION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, I was told that my account would be fine and no late payments would be reporting. The office of FAMILY SUPPORT DIVISION WAS ACTUALLY CLOSED during the pandemic so I am having a hard time trying to understand how the late updates were even reported when no one was even in the building

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 2023-05-19
Company: Experian Information Solutions Inc.
State: TN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$32000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$19000.00} Consider this as my follow-up complaint.

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 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 first seen a late payment reported on my report late XXXX of 2021. A credit card payment from XXXX XXXX XXXX reported as late. Days prior that I made the payment as usual on the date and time that it was due. I went into a XXXX XXXX XXXX and spoke with a representative about the payment reporting on my credit as late when it wasn't. The rep said I had no late payments and I need to contact the bureaus about the incorrect information. I called the bureaus and advised about it which they concluded I needed to send a dispute letter via mail. On XX/XX/2021 I sent them a copy of the bank stating that I didn't have a late payment reporting on their end. I called a many times and had a hard time getting a hold of someone and if I did I was disconnected or hung up on by the bureaus. A month after no updates, I sent another letter after having another late payment report for both XXXX and XXXX. The 2nd letter I sent express and the bureaus still till this day say they haven't gotten anything from me. I'm tired of being patient for them to remove the 2 lates that the bank says are NOT late, off of my report. I need help please I don't know who I can speak with about this matter at this point. I understand bureaus are busy and may make mistakes but I do not want false information reporting to my report!! It should be against the law to have no say in false info on something as vital as my credit report! I'm burnt out 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 non-monetary relief
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: TN
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:
The United States Bankruptcy Court does not release any information to the credit bureaus and is not responsible for verifying information or validating information from consumer credit files. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) my rights are being violated under the law. Remove this bankruptcy immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
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 have disputed unauthorized inquiries that appear on my credit report. Unfortunately, Experian has not removed any of these items. Experian has not provided any proof that I initiated these inquiries or that an investigation was even conducted. The unauthorized inquiries are as follows : Creditor : XXXX XXXXXXXX Inquiry XXXX : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12
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 Convergent Account # XXXX XXXXXXXX XXXX  XXXX and # XXXX 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 2022-06-12
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  XXXX and # XXXX 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 explanation
Consumer complaint received 2022-06-12
Company: Blitt and Gaines, P.C.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2022 I received a summons for a debt to which I had contacted the debt collector twice informing them that I am a Social Security XXXX recipient. I even forwarded to them copies of my Social Security Award. I responded to their summons with an Answer and Counterclaim, I also attached copies of my communication with them showing my communications ( 2 ), and Exhibits showing actual communications, where their letter informed me to send these communications, Social Security Award letter. I mistaking thought that when a debt collector pursues you even after your have filed a dispute showing you are judgment proof, they were violating the rules of FDCPA. I asked for strict liability damages of {$1000.00} in my counterclaim filed with my answer. The debt collector responded with a Motion to Dismiss my counterclaim since they did not break the FDCPA rules. All documentation has been attached showing all of the above. All exhibits are included my official Answer to their complaint. 

Can you please help me? I now have a lowered credit score because of this, and I followed the rules. I am not well and informed them of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently having a problem with my mortgage company Ditech Financial. I received major damage to my property through a windstorm on XX/XX/18. My insurance company wrote me a check for repairs which is being held my Ditech Financial. I am eager and willing to make all repairs as soon as possible however Ditech will not release the needed funds for the repairs. Ditech is relying on unreasonable requests from me. I have been in XXXX XXXX for 35 years and will make self repairs. However, Ditech Financial will not allow this. I have already completed large amounts of the repairs to prevent further damage. I have been dealing with Ditech on a daily basis and they have released very minimal amounts of money. I will be unable to make my continued mortgage payment on the property due to Ditech not allowing me to complete repairs. I am in fear of losing this home due to foreclosure caused completely by Ditech 's unwillingness to use common sense. I have been supplying Ditech with all the paperwork they require but they have been uncooperative. Ditech will ultimately cause more damage then the storm did. It should be a crime for a financial institution to hold your money hostage and delay repairs of my property. They should be a helping hand not a road block. I have sent several letters and request with no responses. I do not know what else to try. I am currently making complaints to whom ever may be able to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, 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:
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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
I have tried numerous time to dispute the late payment information on my account with both the lender ( NavientXXXX ) and all three major credit bureaus ( CBs ) and they will not update and/or remove the information. 
It is on record with the National Student Loan Database System ( NSLDS ) that specific accounts were in forbearance during a specific period of time yet my lender reported to the CBs that there were late payments during the forbearance period, even though they are the ones who originally reported that information to the NDLDS. 
Another issue I have is during the later half of 2015 I moved and had my mail forwarded for 90 days ( XXXX ) yet I have a late payment during that period and the statements were not forwarded properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I have been making all my payments on my Walmart ( Syncrony ) credit card. I used my card to buy a laptop and I have sence then been paying off my credit card. The problem is that even with all portions of my credit being better than the day I got my credit Card approved and my credit score nearly 100 points higher than it was when I got the card they are lowering my available credit limit every time I pay it down and hitting my credit limit by showing higher credit utilization. I only have 2 cards and this one started at XXXX dollars as a limit and is now XXXX dollars. I only accepted this card because of its limit, if the card was going to he a XXXX dollar card I would never be interested because I typically buy groceries and other home necessities over XXXX dollars at the beginning of every month.

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 2021-12-22
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am currently in process of making a large purchase, and before I ran my credit I performed a credit check and saw IQ Data International pop up and is reporting an amount of {$2400.00}. I have no clue who this is or was, so I XXXX searched the company and I called them. They asked me some questions and if I ever rented an apartment in XXXX? I said no and I have no clue why this is popping up. I then was grilled about people I do not know and was asked if I ever co signed for anyone.. which is a no. I was told I would receive a fraud packet to fill out and return. Waiting for mail and nothing so I called again, a week later, was asked about an address I never even heard of and was told they are resending it out. Waiting again nothing. So we are out 3 weeks now. I called today and Im being told it may take up to 10 business days from today! Why? I again was also grilled about living in this apartment, my social security info and place of residence. I feel completely violated and want this issue to be resolved asap! This is completely unfair and Im being treated as if this is my debt and I know what is going with it. I have never heard from these people ever! Also am being asked to provide documentation that I do not have!!! Its ridiculous. I am ok with policy and procedures, but I feel that its taking way to long to fix the issue and also being probed about something I have no clue about.

Company response to consumer: Closed with explanation