BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Hello, I had a credit limit of {$40000.00} dollars and I got an XXXX  Notification saying my credit score took a hit due to one of my card limits getting decreased significantly to {$30000.00}. 

I have my personal checking, savings account, home mortgage, additional checking account, a custodial account for my daughter and I have XXXX credit cards with JPMorgan Chase. 

It doesn't make sense to me how they lowered my credit limit because I make my monthly payments on time and I pay more than the required payment amount. 

I would appreciate it if you can look into this because my credit score decreased by XXXX points overnight which isn't fair at all. 

I appreciate your help and support. 


Warm Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: AL
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:
Do to my understanding it was false information on my credit report that Equifax XXXX an XXXX credit report agency place on my credit report with proving IDENTIFICATION card an PROFF of incorrect information due to identity theft incorrect address I'm correct name an my data was expose due identity theft requested everything be removed from my credit report due identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The company false flagged my account and I do not have access to my funds. I am unable to complete transfers. I saw this from the online mobile application I am a Bank of America _ Prepaid customer receiving deposits from the EDD and the state. 

The first representative XXXX Colorado in card protection told me that an address change was done on my account. I told her I do live at the address and the EDD added a XXXX. I was like I am not sure if the XXXX needs to be there but I will check to see if it pulls up with the XXXX included. It was no real change. She refused to unflag my account. XXXX Supervisor refused to unflag my account and then blocked my online access.. I was no longer able to see balances in mobile banking. Cutting and restricting my access. 
The bank of America representative refused to unflag my account and allow me to have access to my funds and transfer my funds. I requested to speak with a supervisor cause I need to file a complaint because I should not have been flagged in the first place. I should have been notified of the hold that restricted my account. The first agent should have removed the hold once I was authenticated and identified my address. The supervisor should not have blocked my mobile access as the account was not in danger there was no fraud. 
Customer Service representative just giving me a hard time for absolutely no reason. I explained the situation to them and they just wanted to give me a hard time. I called back into Bank of America and received the service I should have gotten the first time. They ublocked my account and I was able to do my transfer as normal. The difference between stellar service and awful service and a complaint and a compliment. Bank of America needs to research the first caller and supervisor 100 % unacceptable and the second time I called back Winning Great Service. I am still pressing through with the complaint because it makes a difference and you all should know what people in America go through dealing with financial companies.

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 2023-01-26
Company: Regional Management Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I am a consumer law attorney in XXXX, NC. Regional Finance Company absolutely refuses to engage with counsel regarding accounts that it has filed complaints to recover money owed. They say that their company policy is not to speak to any third parties, including attorneys. This makes my job as a consumer advocate impossible. My clients have the right to be represented by counsel when a creditor files a legal action against them - even if it's in small claims court. Regional Finance Co can not just refuse to engage with counsel. My only option is to appeal every small claims judgment to district court so that Regional Finance Co will have to retain counsel to participate in the legal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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 XXXXXXXX XXXX # XXXX. 
Account XXXX XXXX # XXXX. 
Account AD XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX # XXXX. 
Account XXXX XXXX XXXX XXXX  XXXX. 
Account 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 ATTEMPTED TO CONTACT THE THREE CREDIT COMPANIES AND THEY HAVE NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) they failed to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have been in USA two times as XXXX student ( summer work and travel program ). My first trip was from XX/XX/XXXX till XX/XX/XXXX. During the first trip, I opened XXXX  XXXX XXXX checking account and close it right before I left a country in XX/XX/XXXX. The second trip was from XX/XX/XXXX till XX/XX/XXXX. During the second trip, I opened a XXXX XXXX checking account and close it right before I left a country in XX/XX/XXXX. From XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the USA in XX/XX/XXXX I went to XXXX XXXX XXXX to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within a credit bureau. I was shocked because I have never applied for any credit lines/loans/credit cards in the Unites States until XX/XX/XXXX. After a few months ( when I came here in XX/XX/XXXX ), I found out information about credit reports/score/credit history. I log in to XXXX/TransUnion and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt have a visa to the USA. Those accounts were opened within XXXX years when I lived in XXXX and dont even think about the USA. So, this complaint about ALL information which apper from XX/XX/XXXX till XX/XX/XXXX. I physically lived in XXXX from XXXX XX/XX/XXXX ( which is my DOB till XX/XX/XXXX except to trips to USA that I explain in a beginning ) -it 's no way for me to use this cards. I multiple times explain that over the phone to all credit bureaus and have sent ALL my personal information to confirm my disputes but I am still waiting for the full resolution about a year and suddenly some past FRAUDEN accounts appear at my reports.

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 2023-11-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My ID is spelled wrong for my last name so chase held my money. I did a mobile deposit on an insurance check and Chase claimed that they didnt have a verifiable number for the company to deposit the check. So they held it for 10 days and kept my money and closed my account. They are now holding my money after a year. This happened XX/XX/2022. The amount is XXXX. Ive called over 15 representatives and went to their headquarters and not one person assisted me on where to go to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: RAB, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company RAB Inc has harassed me with phone calls and text messages. Calling everyone I know. To name a few : my employer, my broker, my mother, my colleagues, etc. The guys name is XXXX XXXX and he sends text messages and leaves harassing voicemails. He still has been unable to furnish paperwork on the alleged amount owed and has not mailed me written notice of the debt or information that the debt belongs to me. If I could attach the voicemails I would. He threatens to take my real estate license and that he will be in contact with my real estate company I work for. He said he is prepared to play a game and come for everything I have. He called my broker and all the realtors in my office harassing them, it has gone too far. There company comes off as a fraud because they have sent no paperwork or facts but just harass and call you through phone calls and texts making false allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a current credit Card with Capital One. I have paid off a card in full since XX/XX/2023. However, before paying off, I received many late payments on this account, and I did not understand why it was reported late. I was making automatic payments on the payment date, and they were still reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX, 2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Climb Credit Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Hello, On XX/XX/2023, I sent a letter of debt validation. This letter was specifically asking them to please validate the debt that I supposedly owe. They ignored the letter and kept calling my phone in which is a violation. I sent another letter in XX/XX/2023 and got an email stating that they received the letter and will send proof of validation. I never received the proof. Instead I have received calls and they reported supposed late payments to the credit bureaus of a debt they still have not validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 disputed a reporting on my credit for identity theft and XXXX  verified it without providing me with any information as to how and when I applied or incurred any damages with anyone to any debt.

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 2022-06-16
Company: EQUIFAX, 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 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 with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In XX/XX/XXXX I received a letter from XXXX XXXX indicating that my projected date for Public Service Loan Forgiveness ( PSLF ) would be XXXX of XXXX ( this document is attached below ). Within a few weeks, I called them regarding my recertification and they indicated to me a different date that was two months after the date on the document that they gave me. I told them that this was incorrect and that the date they gave me over the phone was in conflict with the letter I received. At that time they told me that there were 2-3 payments that needed to be reviewed to determine " officially '' what my date for PSLF would be. They stated this would take a couple of months. After two months, they said it would take four months, then six months, and so on and so forth. I called countless times to find out what the determination of the review was and it was not until XX/XX/XXXX ( a year and a half later ) that I received correspondence from them giving me what their new projected date for PSLF would be ( this document is also attached ). I told them that the new calculation was also inaccurate because it should be XXXX of XXXX, not XXXX of XXXX. At this time I spoke with a representative ( XX/XX/XXXX ) who told me that there was still a payment that was in dispute ( XXXX of XXXX ) because they said that the payment that I made was outside of my employment dates. This is false, they have all of my documentation which states my dates of employment and all of my payments have been directly taken from my account since the beginning of me repaying my loans. They told me that they would have to put this payment under " further '' review. This should have been calculated when they took a year and a half to do the first review! I called today ( XX/XX/XXXX ) and the representative told me that the payment in question ( XX/XX/XXXX ) has not even been put under review even after the lady told me it would be last month. Given the amount of time that it took them to review the first 2-3 payment discrepancy, I am not confident that they will figure this out prior to the end of my repayment process. The representative told me that if I overpay or end up paying too long because they haven't resolved the payment review, that they will give me my money back. This is laughable to me that they expect me to trust that they will return money to me when they can not even keep track of the payments that I have given them up to this point. I have been waiting far too long to have this issue resolved and every time I call their customer service, I am given an excuse as to how long the process will take or that the process has not even been initiated at this time. I truly hope to receive a swift resolution to this issue. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: Global Lending Services LLC
State: PA
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:
I am writing to file a complaint to GLOBAL LENDING SERVICE regarding the reported unauthorized inquiry on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. My date of birth is XXXX, and the last XXXX digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXX have identified likely mendacious and certainly unproven complaint reported account on my credit file that are inaccurate and erroneous l. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular item that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted a few lenders to find the best mortgage interest rate for my first home purchase. When I decided to go with a lender who offered the best deal, I properly notified the other lender, Rocket Mortgage, of my decision. However, Rocket Mortage charged {$500.00} to my credit card on XX/XX/2022. Rocket Mortage said the charge related to a deposit that they used to order a credit report and third-party appraisal report. I never authorized Rocket Mortage to start the loan process as I just inquired about their interest rate. I asked Rocket Mortgage to refund the {$500.00} deposit, but they said it was not refundable. The deposit agreement indicates that if the application is withdrawn for any reason, they will refund the deposit minus the actual costs incurred.

Company response to consumer: Closed with explanation