BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-09
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/XXXX at XXXX XXXX I went into the Chase Branch and worked with XXXX XXXX to Update my name as Ive recently married. I provided her with copies of my new drivers license, social security card and marriage certificate. All documents reflected my married name, XXXX XXXX. She stepped away to copy my documents. She indicated she ordered my new debit and credit cards to be shipped to me with my new legal name. However, only my debit card is reflecting my new legal name. I received my credit card but it has my old legal name, called the number on the card and was informed they couldnt tell me if my documents that XXXX copied were on file. I was informed I have to resubmit all of my documents again. This is potential fraud as XXXX stepped away to take copies yet none Of the documents are on file and my credit card info does not have my new legal name! I need my account info to reflect my new legal name and that includes my credit card. Also, why would the documents I gave XXXX apply only for my debit but not my Chase credit card!?! Its the same bank just different product!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-12-03
Company: Bread Financial Holdings, 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: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2021-03-01
Company: Credit Protection Association, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by someone I do not know. Please feel free to contact me with any questions or concerns

Company response to consumer: Untimely response
Consumer complaint received 2021-05-22
Company: HYUNDAI CAPITAL AMERICA
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: Account information incorrect

Complaint:
Hyundai Finance is reporting an unknown payment for XX/XX/2021. I have a statement showing that I made payment in XX/XX/2021. They also reported that I have a payment increase in XX/XX/2021 for {$340.00} even though I paid the lease in full in XXXX and settled the account. Not in XX/XX/2021 as indicated.

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 2019-11-27
Company: Nelnet, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/2019 to XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Better Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021, I applied for a mortgage with Better for a simple refinance on my home I've owned for five years. I have provided all information in a timely fashion. Better repeatedly and without notice transferred my loan to different processors, treating me with disrespect and a lack of basic communication throughout the process. When Better calculated my income from my rental properties, they failed to do it correctly. Their management, specifically XXXX, refused to provide any calculations or support. I am a retired doctor and I am XXXX, I believe this is the reason for the shabby treatment, repeated assignment of my file to other processors, culminating in the soft denial/withdrawal of my application and the inability for Better to understand my file. By shifting my file around, most people my age would give up or be confused but my accountant kept things organized for me in this process. I have strong suspicion that this practice of shifting my file around endlessly was age discrimination, which is contrary to Fair Housing and other Federal laws. After my accountant calculated, using Fannie guidelines, what my income would be for my rental properties they would not substantiate or show their work on how they said I had negative income, leading to an ultimate withdrawal of my application after spending money on their appraisal and wasting a month of time. My accountant and I were willing to explain the difference on depreciation to them, but they had no understanding at all of people with a simple rental property. Ultimately, their proposed estimate would have resulted in a 30 % reduction in my monthly payment, which is why their rejection on DTI concerns is preposterous. I request the CFPB to investigate on behalf of myself and other people similarly situated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Rocket Mortgage, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Unwanted and unwarranted credit inquires on my account made without my full knowledge to lenders I did not approve of. Information was not presented to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: CBC Companies, Inc.
State: SC
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:
I have credit inquires on my account that are inaccurate and did not happen with my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Experian Information Solutions Inc.
State: NY
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 informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2023-04-01
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On my Equifax report it shows that XXXX XXXX was 60 days past due on XX/XX/2016. I was never past due on my payments so this is very inaccurate. I a made all of my payments on time. I've filed a dispute with them but the late payment is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a copy of my credit report and there are accounts on it that I do not recognize.I have tried to contact the credit bureau to remove the accounts however they have denied my request to have these accounts investigated and removed.

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 2023-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I disputed the incorrect information on my report twice with no one reaching out to correct information and no updated information on my report for many years. The disputes are disregarded/closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I did not get papers served to me in person. The process server lied and said I was avoiding service. The server taped the papers on my front door and left.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Told Meade and Associate several months ago not to call me just to send debt information in the mail. 
They called me today from this number. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: CITIBANK, N.A.
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
In XXXX, my Citi XXXX World Mastercard was stolen ( I believe it was skimmed at a gas station ). Numerous fraudulent charges were incurred on my card. Citi alerted me to the charges and we worked together to resolved almost all of them. However, there was one charge that was never refunded to me, and not only that, the charge in question is a subscription service to XXXX, a cable service, which has been getting charged {$89.00} to my card every month since. I have now been charged {$89.00} in XXXX, in XXXX, in XXXX, and I am expecting it to happen again in XXXX.The amount I have been charged fraudulently so far totals {$260.00} and counting. 

I told Citi that the XXXX charge was fraudulent during our initial conversations when the card was first stolen, but this charge still remains the one that was never refunded to me. Since those initial calls in XXXX, I have called them at least a half a dozen times and have spoken to at least ten representatives about the issue over many weeks ' time. My card has been cancelled and reissued three times and I have been assured many times that the problem is being taken care of, yet I have never received any refund for the charges AND my card continues to get fraudulently charged on a monthly basis for a XXXX account that is not mine. 

I just want my money back, I want my card to stop getting charged every month, and I want this customer service nightmare with Citibank to end.

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 2018-03-06
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX. 

I placed two complaints - see CFPB complaint # XXXX and # XXXX. 

This was debt was removed from my XXXX credit report - and has not been removed from my XXXX Credit report. I'd like it removed immediately. Thanks in advance!

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 2018-07-25
Company: Ameritech Financial
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received a letter from the Federal Trade Commission stating that they are suing Ameritech Financial, the business I have been paying for my student loans. I'm scared of that this means and trying to understand if I am involved in a scam, where my money went, and how to get out of it. I've been paying them for 2 years and the letter states that it has not been going to my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was the owner of two XXXX Nissan XXXX 'XXXX Both were Totaled due to accidents One was totaled in XX/XX/XXXX and the other in XX/XX/XXXX The vehicle totaled in May still shows a balance on my credit report of {$1500.00} When I contacted Nissan for them to prove the Debt they told me they would not provide any information and keep sending me to a collection agency whom also can not prove the validity of the Debt Furthermore when a new car was purchased the new dealership rolled any negative equity into the new loan payment and also a large cash deposit was made to reduce the negative equity I have never received any information from Nissan proving the validity of the {$1500.00} debt owned to them on my credit report NMAC ACCT # XXXX VIN # : XXXX {$5700.00} WAS PAID TO NISSAN MOTOR ACCEPTANCE IN XX/XX/XXXX I have contacted Nissan several times and they will not provide any information to verify the Debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have no business contract or any other type of dealing with this company. I am contacting the FTC concerning their unfair practices.I am also contacting my lawyer concerning them damaging my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$1200.00} XXXX XXXX XXXX {$900.00} XXXX  XXXX XXXX X {$8200.00} XXXX XXXX {$2900.00} XXXX XXXX {$290.00} XXXX  XXXX {$0.00} XXXX XXXX {$110.00} XXXX   XXXX  XXXX {$950.00} XXXX XXXX XXXX {$23000.00} CHAPTERXXXX BANKRUPTCY DISHCARGED XXXX {$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 2021-04-30
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no recollection of ever belonging to me with these collectors/creditors. I have asked to submit proprietorship verification on numerous occasions, but they have not yet agreed to my proposal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Correction to letter these funds not noted on XXXX payment history account number XXXX please attached to case number XXXX sorry for the error Im just exhausted with this situation, also I feel violated that someone would take/steal funds from me that the government gave me towards my mortgage payments and to make it seem like I was in default of missing mortgage payments that they took funds and invested in a money first investment account and file assignment of note benefits insurance claim on my property. Yes I feel very violated. And not only that use me to sign for a fraudulent loan modification of stolen monies that the Florida Housing Administration, applied to my my mortgage loan and still missing funds that is still unaccounted for, as new money to that loan modification having me to make mortgage payments on that stolen money that should have been applied to my account in the first place. I also ask Mr XXXX from Round Point Mortgage why wasnt I informed about change of mortgage loan from FHA to an Conventional Mortgage loan, he still didnt give a concrete answer

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 2020-11-23
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was concurrently working with TD Mortgage on two separate mortgage applications. One for XXXX XXXX XXXX, XXXX, NJ XXXX and the other one for XXXX XXXX XXXX XXXX, NJ XXXX. For the XXXX XXXX property, I received the clear to close, closing disclosures, and the closing date was supposed to take place on XX/XX/2020. After all parties finalized the paperwork, and after I have taken out the certified check from TD Bank getting ready to close on the next day. TD Bank loan officer gave me a call late afternoon on XX/XX/2020 stating that my application is " being denied due to concerns involving a previous account relationship ( s ) you had with the Bank that resulted in the Bank terminating that relationship.

I have since reached out to the TD 's branch manager and the relationship manager, but neither of them was able to provide with me any indication on what was going on, aside from the fact that TD Bank has decided to demarket my account and terminating relationship with me as a customer.

Due to TD 's gross negligence and bad faith dealing, I have lost substantial amount of money on these two properties ( i.e. appraisal fee, credit fee, attorney fee, inspection fee, title fee, e.g. ). TD Bank has not been transparent with its process. I was not able to amend the transaction with the seller due to TD 's inability to perform notwithstanding it has already given the commitment for me to close the loan.

Company response to consumer: Closed with monetary relief