BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-04
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I recently moved to the state of XXXX from XXXX. During the planning phase of my move I researched banks and found that Chase was quite appealing due to the {$200.00} offer for new members when signing up for checking and having a direct deposit. On XX/XX/XXXX I received and email from chase with my coupon code for the {$200.00}, I stopped into the XXXX, XXXX branch and met with XXXX XXXX XXXX ( Private Client Banker ). I provided XXXX with all my information, including my coupon code ... During our meeting XXXX was preoccupied by multiple phone calls and being called out of the office twice ... I singed my final papers prior to leaving, gave {$50.00} cash for my initial deposit and asked when I could expect the {$200.00}, she mentioned as soon as my first direct deposit posts, 10 days after. A week went by, my direct deposit posted, I called XXXX and asked when to expect the {$200.00}, she said within a week.. a week went by and nothing, I called again, XXXX said another week .... By this time I have three weeks invested and no {$200.00} as promised. I called XXXX again, she now changed her story to say I never provided her a coupon code and she would have to investigate!!! I called Chase customer service who opened a ticket. On XXXX XXXX called me and said that due to the time that has passed since I opened my account, she could not honor the {$200.00}, I mentioned that I had called her every week and requested an update, she said there is nothing she can do. Customer support called me on XXXX and mentioned that they could not help as this is a local branch dealing ... Long story short, XXXX did NOT enter the coupon code I brought with, I fulfilled every obligation listed in the fine print to recive the promotional {$200.00}, due to her negligence, I did not receive what was promised to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 non-monetary relief
Consumer complaint received 2021-10-07
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Since XXXX I have been trying to get Suntrust to report that I have consistently made my mortgage payments on time. CFPB reached out to them in XXXX of this year and Suntrust immediately sent me a letter stating they would fix the incorrect information they had been reporting which stated my payments had been 60 days late for 2 1/2 continuous years. Instead of correcting their error they removed my account from the three bureaus and are reporting nothing as of XX/XX/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 2017-12-13
Company: AMERICAN EXPRESS COMPANY
State: AP
Product: Credit card or prepaid 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:
I have the AMEX Platinum Card and have been assigned a Preset limit of {$5000.00}. They obtained inaccurate information of my FICO score from XXXX with out notifying me on XXXX XXXX, 2017. They claimed it to be a XXXX ... My score today is a XXXX. It has not been that low in a couple years when I had no credit. They also said I had a couple delinquencies which is also not true. I also only had 1 credit inquiry at that time when they said I had " too many on my report in the last 12 months. '' I want them to make sure they are checking the right score and that they take off the pre-set limit. I have never missed a payment with them. I love the card, I 'm just disappointed about them not having incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: NY
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:
All 3 credit bureaus have been notified that they are reporting XXXX card payment on my credit report from XX/XX/XXXX as late. I have called and sent letters to XXXX to rectify the situation because I have never paid them late every month I have made a payment I have payment scheduled to show Ive contacted all three bureaus. No one has fixed this they have sent Correction over to the company. The company keeps sending it back as its valid. Finally I spoke to someone in XXXX. They said they sent a letter out XX/XX/XXXX acknowledging what I said is accurate, and that they are fixing it. Theyre telling me I should wait 90 days theres no reason for me to wait 90 days when this has been reporting eight months now and incorrectly and ruining my credit. The problem is still shows on my credit reporting all three agencies as a late payment over 30 days. Consumer law 15 USC 1681 permissible purpose, states that it is a violation to report anything these bureaus want on my report without my written consent. I do not give the consent I want this removed, and Marked paid as agreed for all months for all XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX sent me an incorrect invoice 9 months after a vehicle was turned-in and the lease was completed. While I was attempting to confirm the accuracy of the fee, they immediately started attacking my credit report with late payments. In the game where XXXX makes the rules, apparently they can take as much time as they want but not afford the customer a single day to confirm the accuracy of a fee from a contract that was completed nearly a year earlier. When I realized it wasn't worth my effort to correct the bogus invoice, I decided to just pay the invoice, but first confirmed with a XXXX representative that my credit report would be cleared once paid. However XXXX did not update my credit report- it still shows late payments and charge off. When I disputed the account remarks to the credit reporting agencies, they took no action because XXXX falsely confirmed everything to be accurate. Please see attached order from the CFPB that required XXXX to pay $ XXXX for the exact same actions that they have done to me. They literally destroyed my credit score, even though I was a perfect customer and never missed a payment for 3 years. Well, it looks like XXXX is still up to their unethical tactics and haven't learned from the $ XXXX order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I received mortgage statement, for payment due XX/XX/, and it contains an assessment of {$22.00} indicating I paid a short payment for the XX/XX/XXXX  payment. 
I NEVER received a statement indicating a payment due amount of XXXX. The only statement received, and paid on XX/XX/, was for {$1900.00} and this amount agreed with an earlier letter from Select Portfolio Servicing , Inc. ( SPS ) stating that the payment due for XX/XX/XXXX  would be {$1900.00}. 
It can not possibly be legal or proper for ( SPS ) to retroactively increase the amount due for XX/XX/XXXX   after payment has already been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is not a complaint against XXXX XXXX she is trying to help me. I have several concerns. I did get an NOI not certified but i did get it. i have concerns about fees on my account i will not pay and should not be assessed. There is no need for a property inspection fee. Various legal criteria must be satisfied before these can be assessed and where not.i know fay servicing knows where i am. I also know that case law indicates that i must be noticed before this happens and borrower communication is a issue bank must consider ebfore inspections occur. In XXXX i sent a letter ceritfied to FAY saying not to conduct inspections i am home house is not vacant. i know you will say promissory note allows this. Not without various legal criteria being satisfied. 
As for loan modification, I am very concerned esp during covid 19 i can be in this situation and i have no entitlement. I need all documents upon which the decision to deny me was made. Also i am in appeals period til XXXX. I am going to be requesting several items from Fay servicing thru a QWR shortly but i need documents upon which recent loan mod rejection was relied upon. i wont pay any inspection fees as i warned months ago they are not needed please stop them. Varoius legal criteria i know about not met. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I wrote a formal complaint to Experian on XX/XX/20 requesting an investigation into an inaccurate and incomplete credit information. I demanded that they remove the Chapter XXXX and Chapter XXXX bankruptcies from my account due to the fact that they were not mine. 
I did not hear from them after 30 days so I wrote them again using certified mail to remove said items from my report, but much to my chagrin, nothing has occurred. 
I have included a copy of the second letter along with the receipt of the certified letter that was sent to Experian. 
If you have any questions, I am free to discuss this situation. 

Thank you in advance for you assistance. 


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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On XX/XX/2023 I received my credit report from all three major credit reporting agencies. I noticed that there were some unauthorized inquires reporting. On XX/XX/XXXX, I contacted TransUnion, XXXX and XXXX to no avail, the inquires still weren't removed. XX/XX/2023, I sent a certified letter stating that the inquiries were unauthorized by me, and that i would need those removed. I received a response stating that the inquiries were factual. I was not sent any information on how the companies determined those to be factual and I was not shown any applications that bear my signature or any proof that those inquiries were in fact made by me. In the climate of today 's society, anyone can get ahold of your information and apply for credit online. After I also sent letters to all three bureaus again XX/XX/2023, requesting that those inquiries be removed again, and my intent to file a complaint with the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: MO
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 submitted a letter to the XXXX Credit Bureaus last XX/XX/, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$360.00}.

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 2023-01-11
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on XX/XX/19 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

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 2018-10-08
Company: Experian Information Solutions Inc.
State: IL
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:
on XXXX XXXX I sent a certified letter to XXXX, asking for them to investigate items on my credit report. I got a letter saying it was verified in which i sent another certified letter asking for proof of signature and also how did they verified this account. I was sent a letter saying they where not going to investigate the items any longer.

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 2020-09-17
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:
This is the 3 time I have filed a complaint after looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: LD Holdings Group, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my mortgage with Loan Depot closing at the end of XX/XX/XXXX. During the origination process LoanDepot required that I raise my flood insurance coverage to {$200000.00} and handled this update to coverage themselves. This was fine given the new loan amount and the flood policy was updated, or so I thought. Since I closed on the mortgage it has not been transferred and has remained under control of loan depot mortgage servicing. In early XXXX both myself and loanDepot were mailed a Flood insurance Expiration notice with the renewal premium of {$360.00} that was previously updated by Loan Depot to was due. Payment never ended up being sent from my escrow account by LoanDepot and on XX/XX/XXXX the insurance company reached out and notified me that it had not been paid. I checked my escrow activity and noticed it had not been sent either. I initially reached out to LoanDepot an re-provided all documentation they already had on file as they were the ones who originally increased the insurance amount. After several days of back and forth and even getting the insurance company themselves directly involved loandepot finally sent over the payment from my escrow account on XX/XX/XXXX. I received an email from the Insurance company this past Friday XX/XX/XXXX notifying me that they sent {$15.00} less than the total premium and only sent {$340.00} instead of {$360.00}. They let me know that if funds are not received by LoanDepot by XX/XX/XXXX that my policy will have to be redone and the premium will increase substantially due to how long the policy has been in place. I have tried unsuccessfully to get LoanDepot to do anything about this since Friday and am going to just remit the {$15.00} myself to ensure my policy stays in tact. I want to see what further action can be taken against LoanDepot in this matter as they could care less to let someones policy lapse and do not properly manage escrow accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
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: Account information incorrect

Complaint:
This is my 3rd time trying to fix the errors of this alleged account. I wrote XXXX letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX  Toyota Motor Credit sent a debt collection letter on XX/XX/XXXX that I have attached stating that I am to pay an amount owed debt of {$610.00} for the XXXX XXXX is XXXX that was declared and paid as a total loss by XXXX XX/XX/XXXX according to XXXX. I called XXXX XX/XX/XXXX to resolve issue with no avail as I received no solution to resolve incorrect debt. In previous complaint against XXXX XXXX XXXX  Toyota Motor Credit for same XXXX Is XXXX that I have attached to this claim as proof, XXXX  stated, " Our records reflect that the account was closed as of XX/XX/XXXX due to insurance loss, and the balance on the account is zero. We mailed a letter of guarantee to XXXX, dated XX/XX/XXXX, advising that the title or security interest to the vehicle would be released upon receipt of the settlement payment in the amount of {$49000.00}. Our records also reflect that we received the settlement payment on XX/XX/XXXX ''. As of XX/XX/XXXX this account should be paid and closed off my credit report. The letter XXXX  sent XX/XX/XXXX looks to be of a refund that is instead owed to me in the amount of {$610.00} and an incorrect debt lexus is trying to collectXXXX XXXX is also in violation of lease agreement as the lease is covered by GAP coverage and as of today no GAP coverage has been applied to closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, 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 have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX this company charged us interest on a account that had 0 % for 12 months on a purchase that was made two months ago. We used the card after that purchase but made sure that those charges plus the payment on the 0 % charge was paid every month. This company took upon itself to put all of the payment toward the 0 % purchase so we would have to pay interest on the new charge. I contacted this company and they tried to say they can do that for a 0 % purchase that was coming due. They were told that we have 8 months left on that 0 % so that is a wrong statement. Instead of this company just crediting the account the interest a putting the purchase that is 0 % for the following next 8 months they said this could take up to 60 days to fix. This is a company that obviously trys to take advantage of the customers.

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