BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: JPMORGAN CHASE & CO.
State: MO
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:
Chase has been forcing me to make double payments on my mortgage. If I dont make the double payments they ding my credit report. I have spent months working with their executive team members and through XXXX without resolution. 

Mortgage initiated XXXX  2022 Monthly payment due {$2400.00} Total owed from XXXX - XXXX is {$14000.00} Payments that have been made : XX/XX/XXXX {$5200.00} XX/XX/XXXX {$5200.00} XX/XX/XXXX {$5200.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} TOTAL PAID : {$34000.00} On XX/XX/XXXX the issue was supposed to be resolved and they credited me {$10000.00}. 

However, this issue was not resolved. 

Chase is stating they refunded me three of the XX/XX/XXXX payments. Those refunds have never been received. 

I have been fined twice for late payments for XXXX and XXXX and have a 60 day late payment ding on my credit report for XXXX. 

Lastly, my mortgage principal is not going down even with the extra payments. 

What needs to happen to resolve the situation is : 1. They need to discover what is going on in their system to prevent this from reoccurring. 
XXXX. I need the negative ding on my credit report for XXXX removed. 
XXXX. I need to be refunded the two {$81.00} late fees 4. I need a refund of {$9200.00} {$34000.00} ( total paid ) - {$10000.00} ( XX/XX/XXXX credit received ) - XXXX ( XXXX payments due ) = {$9200.00} XXXX. My mortgage principal needs to be adjusted accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX In accordance with the Fair Credit Reporting act 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 2023-10-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed on my credit report alerts from XXXX that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. 

The my credit score went from XXXX to XXXX in two to three weeks. 

My XXXX credit report shows the following : XXXX XXXX  card balance shows {$10000.00} with credit limit of {$12000.00}. 
Authorized user since XX/XX/23 XXXX XXXX XXXXXXXX card balance shows {$16.00} balance and credit limit shows {$3000.00}. 
Authorized user as of XX/XX/23 XXXX card shows credit balance of {$8100.00} with credit limit {$10000.00}. 

XXXX XXXX shows balance {$240.00} oppened on XX/XX/23.

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 2022-12-29
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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXX on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 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 2021-05-27
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Last month, on XX/XX/XXXX, I filed a complaint regarding my escrow overage and property taxes ( XXXX ). In the companies response, they stated that they have processed my account as tax exempt and updated the escrow. On XX/XX/XXXX I sent a message stating that a refund in the amount of {$940.00} was mailed from the taxing authority and asking how long it would take to process. I received no response. On XX/XX/XXXX the mortgage company received a refund for XXXX property taxes in the amount of {$940.00} from XXXX XXXX. Instead of refunding the overage to me, which they stated they would do, they put the money into escrow. I was informed that they will not refund the money to me until they receive the refund from the other two taxing authorities. I informed them last month that I already received the money as it was sent directly to me. I informed them of this again today and was still told that they are waiting on it and the research team will follow up on XX/XX/XXXX. 
This is message I received : The tax lines have been updated with your Full Tax Exemption for the XXXX and XXXX tax years. A refund in the amount of {$940.00} was received from XXXX XXXX for the XXXX tax year, installment. The funds were placed into the escrow account. We are still pending a refund from the tax office to be placed back into the escrow account for the remainder. The next follow up will be XX/XX/XXXX, nearly three weeks after receiving the money. Enclosed is a copy of the Escrow Account Disclosure Statement, generated on XX/XX/XXXX, for your records. 

Even though they acknowledge that I am tax exempt, they are refusing to refund the money. Again they are violating RESPA section 10. They are intentionally and knowingly creating an overage in my escrow account and refusing to process the refund of the money again. I do not understand why it is such a difficult process to have my money refunded in a timely matter, especially when the amount is so high. XX/XX/XXXX isn't even a completion date, it's a follow up date. Since the last complaint, I have sent all correspondence regarding this matter through their online account messaging.

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 2022-12-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior request and I'm including it again. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
In accordance with the Fair Credit Reporting act. The List of hard inquiries violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. , 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 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 p
erson 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 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 2021-05-27
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:
In 2016 I filed chapter XXXX bankruptcy in the XXXX Federal Court and it was ordered closed and transfered by Court order to the XXXX Federal district. In XXXX of 2016 the XXXX Court ordered the case discharged and closed. For about a year I have been disputing with transunion who is reporting XXXX bankruptcy in the " Filed Open '' status and the XXXX bankruptcy as discharged. Transunion states it is their outside vendor " XXXX XXXX '' who is reporting to them that the case is open, but I obtained a case number for XXXX XXXX who confirmed that they are reporting " Closed and Discharged " XXXX XXXX furnished a direct number to the XXXX bankruptcy clerk who also confirmed that in the Federal database it shows " closed and transfered " Transunuion is still to date informing me that the XXXX case is reporting accurate as " Filed and Open '' and continues to claim it is " XXXX XXXX  " who is reporting to them " Filed and open '' I have given them 2 Federal orders from the judges who presided over the cases that the XXXX case was ordered closed and then an order from the XXXX Federal Judge that the transferred case was sent to his court and subsequently discharged and ordered closed, I also had my bankruptcy attorney submit to them on letterhead explaining the XXXX case being closed.. 

Transunion is still ... with all the evidence provided stating that they are reporting the accurate information as to the XXXX case being opened. 

I have lost my financing for a semi truck to operate my company and lost a contract due to a Bankruptcy that is inaccurate on my transunion report showing filed Open when it is federally ordered to be closed.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information First Name : XXXX Last Name : XXXX Address : XXXX Phone : XXXX Email : XXXX Personal Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Affected by the Crime XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX Page 1 of 2 Company or Organization : Total fraudulent amount : {$0.00} Other Identity Theft Fraudulent Information on Credit Reports Credit Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX Page 2 of 2

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 2022-04-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened XXXX XXXX Rewards card and always having issue with their payment system so trying to close it but even after getting confirmation on closure getting charged some fee or other. 

Comenity doesn't respond to call or on message centre. 

Their website is flawed & inaccurate to charge correctly and help resolve the issue. frustrated if you try to close the account, they don't respond. agent hang up on you. 

surprisingly they still expect to stock with you. I don't understand this company. 

have already tried calling, emailing, responding via website message XXXX but no resolution

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-04-21
Company: BANCO POPULAR DE PUERTO RICO
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, I will try to simplifier as much as I can and also I had complaint in the past more less on XX/XX/2018. My complaint is against the Banco Popular de Puerto Rico, they are demanding me at this moment, collection of payments. But I am contradicting such because the amount of payment being mention I have proof of payment of the mayority of the payments. I had requested documents of the mortgage application etc. etc. with no cooperation from the bank. And had been enroll in a modification program 4 or 5 times and take of the program without explanation. 

I refer as me but this mortgage was under my mothers name and she past way on XX/XX/XXXX, XXXX and I am the only hereditary. The demand was posted after my mother death. and with missing payment every transaction on the mortgate was affected, misanalized. Causing a breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Certegy Holdings, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am reaching out because I was contacted through XXXX XXXX XXXX XXXX XXXX and Certegy for a debt that is not mine. I initially filed a complaint against the collection agency. They came back with some information that was XXXX and old, so now I am going after the initial company with hard based facts. I do not owe any debt to Certegy or the collection agency for a business that I was connected to for a domain name. They state that there was a website purchased and/or initiated for in XXXX. The business was dissolved in XXXX and that is proven by information on the secretary of state website in GA. Also, in a recorded call, the rep reads off a drivers license number that does not belong to me. No of this belongs to me. I have already reached out to XXXX corporate office to see if there are any active accounts under my maiden name and married name. If they are, they are fraudulent. I am stating that communication by Certegy and XXXX XXXX XXXX XXXX XXXX are ceased immediately unless they state that they are removing this debt from underneath my name. Outside of that, there is to be no communication by mail, email, or phone to me at all.

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 2022-12-29
Company: EQUIFAX, INC.
State: GA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update these inaccurate accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior request and I'm including it again. 
XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$190000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: NJ
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:
There are some accounts on my report that are invalid and are improper use of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
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: Problem with personal statement of dispute

Complaint:
I feel I was retaliated against after filing report with your agency. The added comment that I am disputing balance and my balance decreased by XXXX dollar. 

I lost 33 points for doing the right thing. They did not correct balance but dropped massive points due to me disputing incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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