BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: JPMORGAN CHASE & CO.
State: CA
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:
My card information was stolen since last year, theyve been doing random charges in a different state that Chase has failed to catch. I got an email notification from Chase on XX/XX/22 alerting a suspicious activity. Thats how I found out about the stolen card information. I then reported it to chase immediately. They only credited {$25.00} back to my account. Then they sent me a letter saying the transactions were more than 60 days old and from the same merchant. Which is untrue. The transactions are not even 60 days old. A few says XXXX. I called XXXX customer service, they told me that the transactions were not found in their system, those are not from actual XXXX. Theyre not doing proper investigations on the claims and denied the claim without even looking at it! The claim number is XXXX. Theres also another claim for the same incident they submitted number XXXX, theres one XXXX transaction for {$8.00} it was charged then refunded. Chase took {$8.00} from my account so I lost {$8.00} from the claim. I also filed a police report about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Ok so it's technically not about my mortgage as it is my mortgage company. The mortgage company is Newrez ( Shell point ). The issue is that my mortgage company will not release my insurance claim funds. On XX/XX/XXXX I contacted my mortgage company about releasing the insurance claim funds in order to pay my roofer for the work they had done. The insurance claim is from last year 's hurricane ( Ian ). The insurance company had finally issued me the check on XX/XX/2023 in order to do repairs. The check however was in both my name and the mortgage co name. I called the on XX/XX/XXXX to see if they had the insurance claim funds and could they release these funds to pay said contractor. They informed me that I need to fill out paperwork that we NEVER received, then once the paperwork was completed an inspection needed to be done and then after all that they would disperse some funds. I asked them if I payed off my entire mortgage would I get the money sooner. A representative in the Lost draft department told my wife and I that..Yes if I paid off the mortgage, they would release all the funds and I would have them in 3 days. On XX/XX/XXXX, I paid off my mortgage and received a copy of My Acknowledgement form from them that the mortgage is closed. On XX/XX/XXXX, I called them back and asked them when my insurance claim funds would be released since they no longer have a vested interest in this property. Needless to say I was bounced around from department to department for over 4 hours and stating that it was not their department that handles that. I continued to call every day since then including yesterday XX/XX/XXXX. Customer Service is now telling me that it will take 30 days for the funds to be released. I explained to them again that these funds had nothing to do with my actual mortgage ( which was paid in full ) and that these funds were for repairs, also at this time with them not having a vested interest in this property that the funds should be released immediately. I don't think they should be holding onto my insurance claim checks since they no longer hold a mortgage to my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: TekCollect Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I was called by TekCollect about a medical debt that I was not aware of. The representative then insulted me and said I need to " learn how to pay my bills on time. '' When I told him that I was not aware of the debt and that I wanted to proof of the debt he then told me he wasn't going to send me anything and that I just need to pay it. I then told him that he can speak to my lawyer because I felt as if this was a scam. I gave him my lawyers number but he has never reached out to him. He then called me back a few weeks later and I told him again that I wanted this to be deleted off my credit report. He told me to pay the debt even though I had no documentation from his company showing me where this was indeed my bill. He then was very rude and told me he wasn't going to send me anything. The verbal rudeness continued for thirty minutes finally he gave me an email address of a " supervisor '' I emailed the supervisor but I still have not heard back from anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: CT
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 have been having multiple issues with this company and they still refuse to update the false credit reporting. I was under the covid forbearance program and while i also had significant issues with that process, they are refusing to comply with the terms and still reporting the forbeared amount ( {$11000.00} as delinquent ). I have resumed making my payments consistently since XX/XX/XXXX and also in some cases made more than my regular payment amount and they have not been applying the excess amount correctly. 
They have also reported incorrect information in my credit reporting which was reported XX/XX/XXXX. These are all the incorrect information to date : 1. Reporting forbearance from XX/XX/XXXX through XX/XX/XXXX ( 17 months ) instead of 9 months ( please note that they should not be reporting this in the first place per CARES ACT ) 2. XXXX XXXX XXXX payment late even though they received payment per transaction report I pulled from their page. This XXXX transaction statement showed I pay {$1400.00} monthly and they only apply {$1300.00} which is incorrect. 
3. Month end balance as of XX/XX/XXXX is {$160000.00} and they are showing {$170000.00} 4. They are showing a monthly payment of {$1300.00} on credit report even though my monthly payment is {$1300.00} The number of inconsistencies is mind boggling to say the least. I called again today and spoke to XXXX who was beyond rude and asking me to email their support team even though I have done this on multiple occasions with no response to date. 

This loan servicing company is not complying with regulations and especially not following Section 6 of RESPA as they have refused to respond to any of my written requests. Please see attached the request emailed and sent to them on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 Anv 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. 16815-2 ( A ) ( 1 ) A person shall not furnish an information relatina to a consumer to anv 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
Consumer complaint received 2023-05-12
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I receive HAF payments in the amount of XXXX. However these payments are posted to the account on different dates each month and in order to avoid late reporting to credit and late fee I made a payment on XX/XX/2023 in the amount of of XXXX the reason i made the payment in this amount is because my mortgage insurance increased and my escrow monthly is XXXX. So the amount that HAF pays is not enough to pay the full mortgage and I am responsible for the difference. I wanted to pay down my escrow so that my mortgage payment does not increase. I called US bank and spoke to a rep who told me to pay XXXX directly towards the escrow and that she would put in a request to have a escrow analysis done so that the monthly payments would decrease. I made the payment and the rep put in the request and advised that it will take up to ten business days. 

As of today XX/XX/2023 I reviewed my account online and it shows that the payment of XXXX is in a suspense account and that I have a past due balance that was due on XX/XX/2023. I called Us bank and spoke to someone in mortgage assistance that's states that because I paid XXXX and not the difference they can not apply the funds to my past due mortgage and basically stated that HAF paid the balance because of unemployment. I told the rep that I was never unemployed and that HAF assisted because of the reduction in my income.

I also asked as to why I am charged late payments when HAF sends batch payments to the bank on the first of every month and its not fair that I am charged a late fee because US BANK doesn't post on time. This unacceptable and the XXXX should be applied to my mortgage payment especially since it is showing 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 non-monetary relief
Consumer complaint received 2023-02-23
Company: AMERICAN HONDA FINANCE CORP
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: Information belongs to someone else

Complaint:
It started on XX/XX/XXXX, I contacted America Honda Finance, also known as Honda Financial Services, about them reporting an account on my credit report and which I had no knowledge about. I mentioned I was a victim of identity theft in the past and continues to happen. They told me to contact the dealership who reported it to them, XXXX Honda, who I have contacted. They claimed I had originally asked about a Honda Passport and my business was denied credit but did not state any vehicle was in my name or purchased. I called back Honda Financial, and they kept on insisting they could not do anything and I would have to contact the dealership. They also stated I would have to make payments towards this account, or my credit would be showing late payments. I have been making payments since due to my construction business and I use my personal credit to obtain loans and could not afford to allow any late payments on my credit. On XX/XX/XXXX, I spoke with a XXXX, Honda Financial, and stated he would put in a request to investigate this matter. I was told I would receive a Identity Theft Affidavit, which I filled out and notarized and faxed to Honda Financial on XXXX XXXX XXXX I have yet to hear anything back and this account is still reporting on my credit report. I will stop making these payments as for over 6 months now, Honda Financial has done nothing and ignoring my requests to remove this account from my credit report. 
I've also emailed Honda Financial a Federal Trade Commission Identity Theft Report, reported on XX/XX/XXXX. XXXX police have also been notified of this situation. On XX/XX/XXXX, I called to check receipt of the Identity Theft Affidavit, i talked to a XXXX, who gave me an email address to send copies to as she did not see that in the system. XXXX hung up the phone on me after stating she would go look at what i emailed her. I have sent 2 emails to her since and no responses at all. I do not own a Honda XXXX  nor ever purchased one from XXXX Honda.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: MRS BPO, LLC
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
The company attempting to collect the debt has no original contract with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My XXXX XXXX account XXXX, is inaccurately showing as a collection account on all three of my credit reports even though its in good standing with the company and each violations of this is XXXX dollars per day until its fixed and I need to have this fixed as I am trying to purchase a home. Attached are all the documents showing that the account is showing up as a collection on my credit report which is in violation of federal law and has made significant impacts to my credit.

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 2020-02-14
Company: MoneyLion Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
In XX/XX/XXXX I took out a credit repair money lion loan with Money Loin they advertise that they give loans up to {$1000.00} and will give you so much upfront and put the rest in an escrow account. and in return you pay a {$20.00} a month fee for their credit repair services this loan is not avail with out this service. 

XX/XX/XXXX I contacted money lion about closing my loan I was told if I paid the balance {$420.00} with my debit card the loan would close and the escrow would be released immediately. so I agreed and paid the {$420.00}. here is where things go sideways. 

I have a few issues at this point the escrow was never released and to date hasn't been I called twice now and every time I call I get different information from the reps first I get told that I have to wait 1 day for things to process then im told 3-5 days then I was told 3-5 days for the payment to post and 3-5 for escrow to clear. and I feel  this I a blatant violation of truth in lending first they charge a {$20.00} per month fee to use their loans which make the interest on this loan essentially 105.93 % but because its a " FEE '' that some how makes it legal. when I started to do the math it didn't add up because on their lending paperwork im told I was taking a {$500.00} loan at 5.93 % and the Toal interest was {$15.00} and some change but no where on their paperwork do they disclose that I have to pay this service fee to use their program that's elsewhere on their paperwork so for a {$500.00} loan I end up paying {$1000.00} that's just plain robbery and then when you call them out on it and try and pay your loan off they XXXX you over and hold your escrow and just give you XXXX   excuses about the escrow and how long it actually takes to clear. this company is praying on those with week credit and should bee looked into. when I told the supervisor XXXX that I planed to file a truth in lending violation he was nonchalantly like ok that's fine because I can't do anything for you. that is just bad business all around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Didn't receive services that were advertised

Complaint:
CONSUMER REPORTING AGENCIES MUST CORRECT OR DELETE INACCURATE, INCOMPLETE, OR UNVERIFIABLE INFORMATION WITHIN 30DAYS.

I am writing to request the method of verification for complaint id XXXX XXXX XX/XX/XXXX followed up with written disputes for complaint id XXXX on XX/XX/XXXX regarding the disputed items below. 

It has been more than 210 days and I have not received any proof that your company validated the debt. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information that is known to be false can not be reported to any credit bureau .

I request that you immediately delete this information from my credit reports. Please send me a copy of my updated credit report as soon as the above has been completed. 

1. VALIDATE ACCOUNT CHILD SUPPORT ACCT # XXXX PLEASE DELETE THIS ACCOUNT OR PROVIDE VALIDATION INFORMATION For each of the disputed items above, I am requesting that you provide the following information : 1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness, accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

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 2023-08-02
Company: CrossCountry Mortgage LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PLEASE SEE ATTACHED NOTICE OF ALLEGED BILLING ERRORDISPUTE, PAYEE IDENTIFICATION DISCREPANCIES, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES IN CONNECTION WITH CONSUMER [ NONBANK ] MORTGAGE LOAN ACCOUNT XXXX. : XXXX AND XXXX, INSURED BY THE UNITED STATES FEDERAL GOVERNMENT [ AGENCY CASE NUMBER : XXXX AND RECEIVABLES. XXXX XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights and I am aware as a natural consumer. 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. 

This Issue was resolved with XXXX. As a result the account was removed from my credit file, showing that you TransUnion are intentionally tarnishing my credit report, bringing me distress and embarrassment. I want the Account removed from my credit report 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