BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-03
Company: JH Portfolio Debt Equities, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
JH Portfolio Debt Equities showed up on my credit report claiming I owe them {$3500.00} on an acct opened XX/XX/XXXX. I do not know who they are. I have never signed a contract with them. I, as a XXXX senior citizen living on social security am signed up with XXXX, a nonprofit law firm that helps people like myself. I forwarded the information to XXXX and they sent a letter to JH Portfolio on XX/XX/XXXX telling them that I was poor, elderly and lived on exempt funds. In response, the next thing my caregiver noticed on my credit report was that JH Portfolio said I disputed the debt but it was verified according to FDCRA. What nonexistent dispute did they verify? Very untruthful people, I still don't know why they claim I owe them money. Anyone and everyone who contacts me about finances gets referred to XXXX, for years now. So, if JH Portfolio allegedly bought a financial transaction acct about me the information about my exempt social security status should have been in the paperwork. ( See attached paperwork from XXXX with notification to businesses to let folks know you can not squeeze blood from a turnip.Now they are threatening litigation which is only to exacerbate my health problems.and cause XXXX XXXX ( sp? ) I may be poor, elderly, XXXX and even uneducated, but I will not be a victim of their unethical behavior. I have voted in every presidential election for the last 40 years, and I know that as a United States senior citizen, I have protection under the laws of this great country.

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 2018-02-27
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
MULTIPLE daily calls, living on Social Security and shared diagnosis of XXXX XXXX. Between medical bills and struggling to live they continue to not offer any options AND call me an absurd number of times everyday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: EQUIFAX, INC.
State: NC
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
" Hard '' inquiry performed by XXXX - XXXX via Equifax on XX/XX/2018. No authorization of any type provided to XXXX - XXXX for any inquiry. 
At the time of the inquiry, established services with XXXX were moved from one city to another. I explicitly asked if a " hard '' inquiry would be made, and was told " no ''. 
Equifax dispute number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, The requirements for BMO Harris incentive were two deposits for {$300.00} within 90 days. 
Account opening : XX/XX/XXXX ( 90 days would be effective on XX/XX/XXXX ) XXXX XXXX : XX/XX/XXXX {$300.00} XXXX XXXX : XX/XX/XXXX {$300.00} XXXX XXXX : XX/XX/XXXX{$300.00} XXXX XXXX XX/XX/XXXX {$370.00} XXXX XXXX XX/XX/XXXX{$520.00} XXXX XXXX   XX/XX/XXXX{$670.00} The above fulfills the deposit requirements. 

Please have BMO deposit the {$200.00} offer.

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 2018-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The company is XXXX XXXX. They have me reported 30 days late for XXXX & XX/XX/XXXX. On both instances I spoke with a representative and they assured me that I would not be marked late. I have had trouble with them previously when I had my last XXXX when they reported me late in error and then removed the lateness. 

The 2 late payments was removed and then all of a sudden put back on my credit report and I noticed it when I went to apply for a house loan and they stated you have late payments on your credit report. I am very frustrated with this organization and really wish I could turn this car in and not have to deal with them going forward. 

I was also discriminated against on a phone call not to recently ago when contacting XXXX the lady was very rude and talked down to me. 

As a result of these mistakes one of my credit cards went from a credit limit of XXXX to XXXX. I really need to be compensated for this issues and really wish I did not have to deal with them anymore constant mistakes over and over again. I hope this shines a light on them. 

All three credit reporting agencies are reporting the lateness despite my disputes. 

They are also reporting my XXXX XXXX when that car has been sold already. 

Thanks,

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 2020-10-26
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:
XXXX XXXX put my mortgage account into forbearance without my knowledge. All payments have been made on time and I have never missed a mortgage payment. XXXX XXXX claims I agreed to have deferred payments due to Covid19. I never signed or verbally agreed to anything regarding Covid19. Hence never missed a payment. I did not need any assistance due to the pandemic. Now my credit report is showing XXXX XXXX account in Forbearance and affecting me when applying for other credit. I've reached out to XXXX XXXX numerous times and still haven't heard back or have had the problem resolved.

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 2023-10-05
Company: SYNCHRONY FINANCIAL
State: FL
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'm sending this complaint to inform SYNCB that the accounts reported are fraudulent and have an effect on my ability to establish credit. There is no involvement from a third party, they can not legally contact third parties with my private or sensitive information for any reason. The accounts below need to be removed as they are fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX I filed a complaint against Bank of America # XXXX. 
Complaint was close as of XXXX. Today I received the Mortgage Satisfaction ( SP ). 
But it was only released lien against deed on the land. I've called Bank of America 8 time. to inform them the title had come from XXXX. The SP had on information it about the title. I called the XXXX, found out that after I paid Bank of America {$930.00} in the mortgage contract inXXXX the title was transferred in my name. 
They failed to so they violated the terms of the contract. Law would call that fraud. 
Under SC Law the Bank had 90 days to get me all of the paper work, 138 days and counting.

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 2021-03-28
Company: Army and Air Force Exchange Service
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Army Airforce Exchange Credit Services Contact with fraudulent representative Request removal from ex-spouse account No access to account Suspect credit card Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: OH
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 am in total disagreement with Credit Bureau investigation response. The fraud items listed below still appear on my credit report, even after their investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
1. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Experian Information Solutions 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:
Hello, I am writing again to address a paid collection showing on my Experian credit report. The account is from XXXX XXXX for a closed XXXX account that is over 7 years old. In investigating with XXXX XXXX and XXXX it was determined that the account was sent to collections because bills were sent to an incorrect address. I paid the account and would like the instance removed from my account. Experian 's reasoning for not removing the account when all other reporting bureaus have is that that may interpret the law differently. I would answer that by pointing out that jails are filled with people who had differing interpretations of various laws, it does not absolve them for not governing themselves accordingly. Alternately, if it will not be removed in answer to this complaint I would like exact instructions on what steps I need to take to have the item removed under whatever Experian perceives the situation and law to be.

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 2018-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried for several years to remove information on my credit report due to me being a victim of ID theft. I filed police reports, FTC reports and affidavits and submitted this information to the credit reporting agencies, however they refuse to remove the information listed on my declaration.

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 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Unauthorized inquiries on my credit report.

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 2021-05-20
Company: EQUIFAX, INC.
State: TX
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:
on XXXX i sent a letter regarding inaccurate and unknown things on my credit report. till this day over 19 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 605B ( 15 U.S.C. 1681c-2 ), it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of, appropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. A failure to investigate these items within 19 days gives a reason to immediately remove those items from my credit report, it has been over 19 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the Equifax data breach complaint # XXXX which is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I went to my bank CHASE BANK and they told me that my account was frozen. I don't have any liens, judgments or anything against me. I was not notified of this action or given any legal rights. Chase just gave me the number to a collection agency. XXXX   XXXX XXXX XXXX  XXXX. THIS IS SO WRONG. THIS IS CAUSING ME, MY FAMILY AND BUSINESS HARM. I CAN'T GET MY OWN MONEY. I HAVE DONE NOTHING WRONG AND I OWE NO ONE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent dispute letters and ID THEFT REPORTon XX/XX/19 to the Credit Bureaus, XXXX, XXXX and TransUnion.

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 2020-10-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied online to my bank Chase for a refinance and payout of some equity still maintaining roughly 20 percent at least in home equity. I was informed of new rules put in place recently that no money would be lent unless a credit score of XXXX  and 18 months of liquid assets ( in their accounts ) to make the new payment. Obviously this requirement only allows the wealthy and not the middleclass or poor to borrow from this bank anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: South Mississippi Collection Services Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i sent a dispute letter to south ms collection on XX/XX/2020 for an alleged debt of XXXX that i don't owe to Ms. XXXX XXXX .I have attached the letter to the complaint of the information that I am asking to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was informed on XX/XX/XXXX that I need to start paying my loan immediately since I 'm well beyond in-school deferment limits. There is a 48month cap. I told them multiple times that this information does n't exist online or is on my promissory note. They forced me to pay a {$150.00} fee to get my loans in order. Called again the next day asking for more information about this policy. Later informed by rep that theyll be mailing this out. I started school at the first college in  XX/XX/XXXX and I should have been informed of this policy in  XX/XX/XXXX . I 've receieved no information about this policy until now. This deferment cap seems really out of place since it was n't mentioned by the financial aid advisor at the time, on the promissory note or anywhere on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Credit Karma, LLC
State: LA
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 was checking my credit report and a hard inquiry popped up saying that him something about XXXX XXXX XXXX XXXX and I dont know anything about that I didnt agree on that so I will like this remove from my credit karma XXXX report I talk with XXXX XXXX  and they said they have no information also I spoken with XXXX  they tells me to call the police and credit karma is not helpful at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: NV
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 got a copy of all three of my credit report personally for myself for the 1st time in years and there is a few accounts and personal info on them that do not belong to me and I do not in anyway recognize. I filed a police report, identity theft report, and disputed it with all three credit bureaus and they have not removed the accounts. I should not be held liable for accounts that a company allowed someone else to open in my name and am furious that they have not taken them off my reports. I have decent credit and should not be liable for something I didn't do.

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 2020-10-26
Company: KEYCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
During peak Covid in XX/XX/2020I was trapped out of the country ( XX/XX/2020 to XX/XX/2020 ) in the XXXX XXXX and received a phone call about a payment. I explained my situation being out of country and not able to return and I needed assistance with very minimum income coming in. They replied saying that i could have 90 days to make a payment in which they asked if i would accept this but would still be charged interest. I accepted. Once i made my way back to the USA, i received a notice from my credit reporting company that i had been flagged for a late payment for XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern, XXXX XXXX has tarnished my credit report in error. I usually submit payments via their mobile application with no issues and for some reason the payment kept getting rejected last time when there are funds in the account to cover the payment. I have submitted bank statements on my previous record and it and screenshots from their application and it was not taken into consideration. The application showed the status of rejected twice. I called their support personnel to only be told to contact my bank. After a third try on the payment submission the payment went through. I believe this is an unfair reporting and needs to be removed. I have contacted the company, but their customer services reps are disrespectful and are not willing to work with me on removing this negative mark out of my record. 
This also happened during COVID-19 and when I was finalizing a move after my divorce. 

I would like this negative mark to be removed. I'm having issues trying refinance and credit card companies are lowering my limit due to a hit of 70+ points negatively affecting 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 2018-04-03
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/18, I purchased shoes ( new, XXXX XXXX XXXX ) from seller for {$800.00} US. Seller provided pictures of fake/not as described item after the sale. I attempted to cancel and seller refused. Seller shipped me a box with a completely wrong item, heavily worn XXXX basketball shoe wrapped in a towel. 
Paypal dispute opened on my behalf and they said they cant do anything for me because the item i received was what i paid for! How did inpay for this! It doesnt even math the description of what i initially paid for.

Company response to consumer: Closed with explanation