BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I had a XXXX  run a report on my husband. It revealed he had created fraudulent paperwork with someone in Chase Bank. MY husband purchased a home for us in NJ in XX/XX/XXXX with the loan being only on him. The report shows some type of refinance was fraudulently created adding my name to the loan on XX/XX/XXXX. When my husband let the home go into foreclosure, the report shows the original foreclosure being processed on him in XXXX with another Lender. By XXXX, my husband and someone within Chase had moved the loan and Chase filed a foreclosure on the home including my name. With records revealing this information, there has to be some paperwork that includes my name but the signature is forged. This effected my credit for years without me realizing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: CITIBANK, N.A.
State: GA
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:
On XX/XX/XXXX XXXX orders from XXXX, the fast food restaurant, my order was then canceled as their own menu on their website had items they weren't serving at the time. Despite them canceling my order, me calling XXXX, who they use to deliver which called both the restaurant who did not answer and corporate who did not answer, and then submitting a request for a refund I was not refunded. I also placed a ticket via their own website asking for a refund and to date have not been refunded. I did not get my items, or anything I paid for, by no fault or choice of my own, and numerous attempts to contact XXXX have seemingly failed. I want my money now.

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 monetary relief
Consumer complaint received 2021-03-26
Company: ACIMA CREDIT, LLC
State: TN
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:
Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TD BANK US HOLDING COMPANY
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
I never got my XX/XX/XXXX statement. On XX/XX/XXXX I called and made a payment of {$80.00} which the agent took the wrong information which caused the payment to return no account found. I was than charged an NSF for their error when the payment did not come back NSF. It came back as account not located due to their error. I then later called back on XX/XX/XXXX and was advised of a late fee that would be waived. I was never advised of the NSF that was their error. I than received a call on XX/XX/XXXX and made payment. On XX/XX/XXXX I spoke TD again who told me the second payment returned, however it didn't. During the first call on XX/XX/XXXX, I filed a complaint I didn't get my first statement. I had logged into the portal to enroll in XXXX but never enrolled in electronic statements, however TD claims I did. In XXXX, I never got my statement and TD starting calling me nonstop. Calls received XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 9 calls in three days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
To whom it may concern, I just moved to the XXXX in XXXX this year and very happy that I did. Since I never lived here in the past I have no credit history so I wanted to get started with a small CreditCard to build histroy. I got a recommendation of a friend for an online card from XXXX which I applied for and got denied. 
I then proceeded to talk to XXXX XXXX back home in XXXX which I am in great standing with ( I have the XXXX XXXX Card ) and they sent a letter stating that I never had any issues or late payments, then I attached that letter and applied for an XXXX XXXX card but also got denied because I dont have any credit history. 
Then, I talked to some people and the recommened I should go to bank of america and get a fully secured card since that wont require good credithistory. I did so and got also the secured card denied because apparenty since I applied for 2 other cards in the past and got denied it dropped my credit too low for even a secured. 

I am quite frustrated because I really want to build credit history but it seems that nobody is giving me the chance to start and I cant do so without a credit card. So I thought I might reach out to you guys and see if you can help me. 

All the best

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 2019-10-08
Company: Experian Information Solutions Inc.
State: AZ
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:
Received report about a 'hard inquiry ' from a company that " I can not identify as listed, namely 'XXXX/XXXX '. I have not applied for any loans, credit cards, or any other lending instruments within the last year or so. This may be an identity theft possibility.

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 2023-12-04
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have made a student loan payment to ED financial on XX/XX/31 of {$880.00}. This payment has been withdrawn from my bank account by ED financial. It is now XXXX and it is still not reflecting on my account balance. I have called XXXX separate times and each time they lie and tell me different answers. They took the money out, my bank did not cancel my transaction and it has been over XXXX month with no resolution. I have tried addressing this with them and their representatives have no idea what the issue is. Even spoke with a supervisor who has no idea what is going on. Said they would resolve the issue STAT, that was over XXXX week ago. Still the payment does not reflect on my account. This student loan company workers are lying and providing incorrect information.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-31
Company: SYNCHRONY FINANCIAL
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:
It has come to my attention that Synchrony Bank has been using my consumer report incorrectly. They have violated the FDCPA. They have communicated to several consumer reporting agencies such as XXXX, XXXX, and XXXX without my written consent. They have also reported my balance to these consumer reporting agencies which has negatively impacted my credit score. This unfair reporting is making me look like a risky and unreliable consumer. I am trying to buy home within the next few months and having a low credit score will make it difficult for me. I first made Synchrony Bank aware of how they violated 15 U.S.C 1692c ( b ) and along with other federal codes on XX/XX/XXXX. I sent off labeled exhibits and an affidavit via certified mail and green return receipt. Secondly, I sent off these same exhibits along with other documents which included an invoice via certified mail and green return receipt on XX/XX/XXXX. Within the other documents included a cease and desist. In that cease and desist I made them aware of how they did not have my written consent to communicate with any third parties and I demanded for them to do other things

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: NY
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have disputed this XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed for 2016, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account status is wrong and should be correct. Now, I want you to remove this misinformation on my file XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}

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 2023-12-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting and XXXX Acct # XXXXXXXX XXXX XXXX account # XXXX, XXXX account # XXXXXXXX, XXXX, XXXX account # XXXX XXXX XXXX account # XXXX, XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX Case # XXXX, XXXX account # XXXX, has violated my rights. 15 U. S. C 1681 section 602 A. States I have the right to privacy. 15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 noticed some fraudulent inquiries on my credit report that I did not authorize. Please remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2021 I file a report with the FTC. I mailed Equifax about inquires on my report that I did not authorize on XX/XX/2021. I also fax Equifax on XX/XX/2021 with the information I will provide and I called them as well. They have refund to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; A XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : 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 2023-03-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During the time you serviced this mortgage can you send the activity log for this mortgage including but not limited to phone calls made and received, emails sent and received letters sent and received electronic notices sent or received

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: CITIBANK, N.A.
State: MD
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:
On XXXX/XXXX/2022, I called Citi XXXX XXXX XXXX XXXX XXXX Customer Service at XXXX. I did not want to pay {$99.00} for the next year membership and wanted to cancel my card account. A customer service representative told me if I pay the {$99.00} membership fee and spending {$1000.00} in 3 months, I can get XXXX mileage reward points of XXXX XXXX. I believed what he said and paid {$99.00} membership fee on XXXX/XXXX/2022. 

I spent more than {$1000.00} in 3 months since XXXX/XXXX/2022. On XXXX/XXXX/2022, I called the card Customer Service about my reward mileage points. I was total the reward mileage points are NOT XXXX. I can only get XXXX mileage points instead. I believe that the Citi XXXX XXXX XXXX XXXX XXXX Customer Service cheated me. This is business fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: IN
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXX XXXX  XXXX Balance : {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The Winn law group has a lien on my home and refuse to settle with me. I have made several attempts to communicate with them left several messages spoke with a representative by the name of XXXX she gave me amount owed then never answered my calls again. I want to settle and they make it impossible almost as if they dont care to settle. They have my wages garnished since 2015 and never have gotten correspondence from them to clear my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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: Was not notified of investigation status or results

Complaint:
I HAVENT RECIEVED A RESPONSE FROM EQUIFAX AND IVE SUBMITTED A DISPUTE OVER 30 DAYS AGO THIS IS A VIOLATION OF THE FCRA, EQUIFAX IS NOT UPHOLDING THE LAW AND SHOULD BE HELD ACCOUNTABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had to chose something for " What describes your problem '', to move forward.That is not my problem.Select portfolio is at it again. Yesterday I was contacted by one of their debt collectors looking for payment. I advised the person that I had submitted ALL the documentation needed ( required ) to " ask for some help '' ( deferment ). I was laid off XX/XX/XXXX. This debt collector was unprepared for this ( they just called to collect ). After 5 minutes I got very irate as the person started saying things that weren't correct. I faxed everything I was told as needed for help on the XX/XX/XXXX. My bank statements, the acceptance letter, a quit claim deed ( showing my wife transferred ownership to me ), proof of residency and the 4506 t. First I was told SPS had received only 2 documents? It goes downhill from there. The debt collector did find all the documents but that's not my complaint. The person ; after making many miss statements, told me that my last correspondence with SPS was on XX/XX/XXXX. The person I spoke to on XX/XX/XXXX asked me if I " wanted to discuss the documents needed '' and I said NO. Not true. This debt collector then recanted and said I was told by so and so what documents to send. The debt collector confirmed the documents were received the next day. Now I'm told I need to resend additional documents ; " one not mentioned to me in the past '' ( copy of my XX/XX/XXXX tax extension ). I alerted this person that in a past phone call I alerted SPS I had filed an extension. I was told by a prior debt collector, '' no problem just send the XX/XX/XXXX''. Why does the XX/XX/XXXX and XX/XX/XXXX returns even matter? I'm asking for help because of unemployment now. Prior tax information is not relevant At the end it got funny. This debt collector said Oh well I called you because you wanted help. I said NO you called me to collect payment. Enough said? The same XXXX still goes on. I provided overwhelming proof of my current situation but SPS is intent on hassling people. Ironically the day before I received a letter from SPS as why they couldn't move forward. I needed additional documents. Nothing about needing the XX/XX/XXXX extension.You would think from XX/XX/XXXX until yesterday XX/XX/XXXX : ONE someone could have called me and TWO the process would still " would have been held up '' as the letter I received did not ask for the XX/XX/XXXX tax extension info...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation