BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had my XXXX passed a way in XXXX and I had to go out of country for her funeral. After I came back I updated that my mum passed away and lost the job/income and getting back to pay the mortgage. 

Since then, they asked me to provide the death certificate and I provided that as well. After that, I have been getting so many letters from the mortgage company and they said to verify the information about the dead person had another any other mortgages in any other CA/WAS states. 

I just called the mortgage company and found that they had email that I do not recognized and its associated with my name and the one listed below. 

XXXX _I DO NOT HAVE THIS, and I believe this is a Fraud Email. 


I only use one email and I informed the mortgage company to stop/ delete that email right away. 

I am not sure what other fraud out there under that email with my name but I just want to report this fraud email to you. 

I hope people will stop all these crazy fraud emails and misusing other people 's information. 

Thanks, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I informed XXXX, Transunion, and XXXX to reinvestigate these accounts : 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, However, they stated everything was complete and accurate. But is that possible if the open date, date of last activity and much more is incorrect. According as stated in 15 U.S.C 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 : 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 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 2023-08-20
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXc. # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: JPMORGAN CHASE & CO.
State: FL
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:
An charge of {$450.00} was posted to my Chase account on XX/XX/21 for an XXXX. I reached out to Chase to investigate as we do NOT have an XXXX account and have never used their services. Chase issued a temporary credit. Months later, the charge reappeared and I was told that I should have made the complaint with a different Chase department. I followed their lead and opened a new fraud complaint. 

A new credit card number was issued and a new investigation opened by CHASE. 
I reached out to Chase again after they concluded the charge was valid. I called XXXX ( as they reservation number is clearly printed on my credit statement. ). The reservation is under someone else 's name. 

We don't have an XXXX account and XXXX told me chase had not investigated with my card number. Chase sent a letter indicating they will not investigate. Our card is in excellent standing and they are not helping at all! 

We need your help! Please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05
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: Was not notified of investigation status or results

Complaint:
Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with " DPT EDXXXX '' and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 


DPT EDXXXX XXXX Balance : {$2200.00} DPT EDXXXX XXXX Balance : {$3700.00} DPT EDXXXX XXXX Balance : {$2200.00}

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 non-monetary relief
Consumer complaint received 2021-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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 XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account PORTFOLIO RECOVERY that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance Owed : {$1800.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX  XXXX Balance Owed : {$9600.00} XXXX  XXXX Balance Owed : {$16000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$9600.00} XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$9600.00} XXXX  XXXX Balance Owed : {$1400.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$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 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried over and over trying to submit this fraud report. This isnt my account and I need this removed ASAP. This is clearly 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 2018-04-11
Company: REGIONS FINANCIAL CORPORATION
State: KS
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:
We received the bill for our 16 company fleet fuel cards ( XXXX XXXX XXXX ). 
We have had this account for more than 10 years. 

One of the cards showed 4 purchases for gas in XXXX. The 4 purchases were all made within a 70 minute period at 3 locations on XX/XX/XXXX. Total of the fraudulent charges was {$1100.00}. A 5th purchase was attempted, but the credit card company declined the charge. 

The card was in our possession in Kansas at the time of the charges ( it was not lost or stolen ). 

Furthermore, the cards all require a passcode to authorize charges. The passcode was not used for these fraudulent transactions. 

We notified the credit card company via phone and in writing on XX/XX/XXXX. Their fraud department stated that we are liable for all charges on lost and stolen cards because our company has more than 10 credit cards for the fleet. The card agreement states that we are liable for " unauthorized use '' if the card is lost or stolen. The card was not lost or stolen, and the credit card company didn't do their required authorization check of asking for a passcode.

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 2023-07-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened my account with Citizens Bank approximately XXXX month ago. Everything was going fine. Then today, I received XXXX emails in rapid succession. The first told me that an external transfer that I scheduled was being cancelled. The second told me my access to all transfers had been stopped. Finally, I was told that my online banking had been cut off. I called and after XXXX minutes on hold I was informed by the agent that my account was being closed, though she refused to give a reason why. I know of no reason it should be closed, I used my debit card and had direct deposit setup. As concerning, the {$1800.00} transfer I had made has not yet been reversed and deposited back into my account. I have no idea how to get my money back. This is a XXXX check which makes the money important. The transfer was cancelled but the money has not been placed back into my account yet. Further, I have no idea how to get the money when it is placed back into the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report reference XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please remove it from my credit report. XXXX. XXXX XXXX : account number XXXX {$6300.00} balance.This account should not be reporting on my credit report. XXXX. XXXX XXXX XXXX balance {$5300.00}. XXXX XXXX XXXX XXXX balance {$3100.00}. XXXX XXXX XXXX : account number XXXX balance {$670.00}. XXXX XXXX XXXX : account number XXXX balance {$1300.00}. XXXX XXXX XXXX  A : account number XXXX balance {$740.00}. I did not authorize these accounts please remove them from my consumer reports. I did not authorize these inquiries so please remove it from my consumerreports : 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 This information is resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. MY NAME IS SPELLED XXXX XXXX XXXX I demand that ANY other variations or incorrect spellings of my name be removed immediately. My only address that should be showing on my consumer reports is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Please remove ANY other addresses showing on my report because they are fraudulent. Sincerely, XXXX 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 2018-08-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX some person or persons took a image of my tax customer & remotely deposted an amount of $ XXXX.Chase incorrectly honored an illegal check and deposited {$680.00} to my account ending in XXXX account. The criminals then withdrew two amounts one for {$400.00} & another for {$280.00} at XXXX & XXXX stores. I received no proceeds from the fraud and immediately as i recognized it I informed the local branch. Chase is refusing to honor the claim and has debited my account in the amounts of {$400.00} & {$280.00} TOTALING {$680.00}. effectively saying I had something to do with this fraud. They provided me with a complaint number and it is:XXXX. Hopefully tis csn be resolved with me having to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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:
I am writing to bring to your attention the presence of inaccurate information in my credit profile, specifically pertaining to my accounts with XXXX XXXX, XXXX, and XXXX and XXXX. I have attached supporting documentation to substantiate my dispute and request a thorough investigation and correction of these discrepancies. 
I kindly request that the Consumer Financial Protection Bureau initiate an investigation into these matters, review the attached documents, and take appropriate actions to rectify the inaccuracies in my credit profile. Additionally, I request that you notify the respective credit reporting agencies to update my credit information accordingly.

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 2021-11-09
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Financial Institution ( PHH ) offered a new modification XX/XX/XXXX, after a year & a half struggle to get my house refinanced. Was end of term on loan & PHH would not work with me on payments, which caused my credit score to go down & PHH was adding monthly fees & interest- my credit score ensured that no other finance institutions would work with me. When new modification was finally achieved, all delinquencies should have been removed & since then, all my payments have been on time - the first few, I had to mail & remaining payments have been done via phone. A delinquency of 180 days is still showing up on my credit report for PHH, which is keeping my credit score from going back up. I am disputing this here, as this is WRONG information & is indeed fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: OH
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: Investigation took more than 30 days

Complaint:
I sent a letter and FTC report regarding fraudulent and unknown things on my credit report to this day over 40 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 40 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me financially and the ability to provide to my family. My information has been impacted by the recent XXXX data breach and may have gotten compromised by the breach.

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 2021-05-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 XXXX Bank collected a mortgage refinance fee of {$390.00}. Roughly 3 months later there had been no activity on this request. I called in and said that I wanted to withdrawal my application as the process is taking to long and we are thinking of buying new instead of refinancing. They agreed and apologized for the inconvenience. The loan officer, XXXX XXXX told me he would have to get the approval to get the fee reimbursed. He called me soon after and said that he got the approval from his manager. After waiting a couple of weeks, I called back to see what the status was on the refund. At that time I was told that I need to apply that reimbursement to the new loan application. I pushed back as that was not what I was told. XXXX apologized and said he would go back to his management to get clarification on this. He went silent at that point. I followed up several times via email to get a status update on this. I had canceled my application with them based on the fact they said they would reimburse the application fee. I then spoke with XXXX XXXX in the Office of the President, who also confirmed that if we told you something we will make it right. I am now being told that they didn't find a recorded phone call with this information. I have the name of the individual ( XXXX XXXX XXXX, who told me via phone that they would reimburse me this fee via check. The complaint office says they do not do reimbursements on application fees. I was lied to, made decisions based on those lies, and now am in the hole {$390.00} and several hours of disputing this with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-25
Company: Johnson Mark LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
1st. I received a summons to appear in court. I had received no notice of closure of the account. I received no other contact via mail. I did not receive a notice 15 USC 1692g ( d ). This is a clear violation of my rights and I expect it to be properly investigated and prosecuted. 
2nd. The sum being requested for repayment far exceeds any credit account that I ever have had in my life. No amount of garnered interest can account for the inflated demand of the litigation. ( {$9400.00} ) 3rd. The suit is being brought forward by Johnson Mark LLC in Utah registered NAICS 9999 Nonclassifiable Establishment. This seems like an obvious deception attempt. Wouldn't a Law Firm that was providing strictly legal services register as NAICS 541100 - Legal services. They can't register as a legal service because they are providing ( financial services ). But they can't register as a ( Financial services ) because that would make them a junk debt buyer and then they couldn't sue on behalf of there clients if you guys actually put 2 and 2 together. 
4. Also lets take a look at this " Nonclassifiable Establishment '' Oregon registration because XXXX XXXX Oregon is where they lawsuit was filed. In Oregon they have registered agent with a company called XXXX XXXX XXXX XXXX Who also has a registered agent with a company called XXXX XXXXXXXX XXXX XXXX of Las Vegas XXXX Now here is the kicker, XXXX XXXX XXXX has a registered agent of XXXX XXXX XXXX XXXX XXXX who has listed XXXX XXXX XXXX as there registered agent. This means that those entities loop back onto each other. I'm sure there is nothing illegal about that right. 
I also noticed that the cfpb seems to not take the side of the consumer even if that is directly in the name. How do I know this well i have looked and seen all the complaints that have been brought forth to you about this company and it appears all they need to do is just say hey guys we did our job right and you all brush it off. So I will be including a copy of this notice to a large panel of our elected officials. Your boys club protecting the debt collectors is over.

Company response to consumer: Closed with explanation