BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I looked at my credit report and noticed a few accounts I did not belong to me.

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 2018-06-19
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
ok Equifax give information to another people and they got my identity fraud and also they put alert like 3 times and the chage my address with equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a business and personal account with this bank. I have deposited over {$10000.00} thus far without issue. I have been in business over 2 years without issue and with a B rating on the XXXX  as well as a 4.9 out of 5.0 rating on XXXX. I have maintained a business with integrity and honesty. When I opened my account it was frozen for weeks due to a security risk from e-checks. I provided all documents to prove my customers are real, including signed contracts for each. I have included my {$75000.00} bond information as well as my registration with the department of Transportation and the federal motor carrier safety administration. The bank decided to freeze my account due to echeck and asked that I take ach payment. I agreed to do so and stopped all business while they set up my ach. They took several weeks, then told me to continue with echeck while I waited. They then said they would not allow me to take ach and I must stop taking echeck immediately. I gave the contact information for each customer including name email address and phone number for them to verify. I believe being a XXXX XXXX XXXX had been the main issue with me being blocked from operating. They claim because I have no business credit that they can not allow me to operate through their bank, yet Ive been over 2years in business even surviving the pandemic. I cant imagine how a XXXX XXXX XXXX would up credit to their satisfaction. They seem to have an issue with my particular XXXX  and I truly fee its because its XXXX XXXX. I would advise any XXXX XXXX XXXX of any race to avoid this bank. Ive wasted over a month doing everything they ask, and putting my XXXX  on hold only for them to make false excuses.

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 2018-06-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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:
ChexSystems has been repeatedly contacted. I have sent in every piece of documentation, proof, contacted them by phone, contacted them by mail, contacted them online. Without resolution. I am a victim of ID Theft. I am requesting them to block the incorrectly reported inquiries. I have sent in a FTC Affidavit. Per the LAW this goes directly to my local police department. This was Sent to XXXX PD. They are aware of this document and have taken the report number down. ChexSystems still continues to deny my identity theft claims, and simply states they do not have to block any information unless i provide them a law enforcement document that is " signed '' This FTC Report is signed. I will provide the additional detail of what i have discovered on my ChexSystems report. First of all ChexSystems has wrong address ( s ) on file. XXXX XXXX XXXX, XXXX TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. This is just to name a few. They also have three names listed XXXX XXXX, XXXX XXXX XXXX. These two names are not my correct names i want these blocked and deleted as well. I want the addresses listed above taken care of as well. This has gone on long enough, there inquiries are not permissible. I did not grant any bank any permission to open or attempt to open checking accounts. These applications were all submitted online as i am starting to figure out from the companies themselves. Not only that these are DUPLICATING. With a security freeze on file legally no one should be able to check my ChexSystems. YET Chexsystems is abusing FCRA and allowing inquiries to go through. I want all of these inquiries blocked. 

These inquiries include multiple inquiries from XXXX XXXX, XXXX, XXXX, XXXX Texas, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Not only are these Duplicated they are almost triple and quadruple. These are all fraudulent. I did not grant permission to any of these institutions to apply for checking and or savings accounts or any other product for that matter. My wallet was stolen and my identity was used fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My loan was being serviced by Rushmore Loan Management # XXXX. I refinanced into an FHA streamlined with XXXX XXXX who they also service loans for. My loan closing was on XX/XX/XXXX with a right of recession for XX/XX/XXXX. XXXX XXXX wired the funds for my closing out to Rushmore on XX/XX/XXXX. When i looked at my account online it reflected a posting date as of XX/XX/2021, which was incorrect due to the wire being sent on XX/XX/XXXX. I do know that there is a Fed reference number that will reflect the wire transfer and that by law the company is to use this date for receipt of funds. I called and spoke with a manager on the XX/XX/XXXX who stated that the system coming into a new year and they coming back into the office on the XXXX had a glitch and they would be updating the date to reflect the XXXX. Today i spoke with XXXX ( manager in customer care ) who stated i needed to submit the fed reference # which he knew i would not have to get the date corrected. The payoff good thru XX/XX/XXXX that i ordered showed {$320000.00} ; however they were paid {$320000.00} which was the good thru to XX/XX/XXXX. I am due a refund of my difference which this company has not issued out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Rocket Mortgage, LLC
State: KY
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:
Quicken Loans senior banker agent XXXX XXXX ( based out of the XXXX office ) completed a hard credit pull on me without electronic, written, or verbal consent. No application was filled out either. After I told XXXX that I did not give consent for a hard credit pull, he stopped replying to my messages, and I was not able to resolve the mistake. I have also spoken with XXXX, XXXX, and XXXX who told me they spoke with XXXX in an attempt to discuss the situation with me, and again he refused. I have tried my best to resolve the situation with the company, but have unfortunately been given the run around. 
Also as a consequence of their mistake, I have been harassed by numerous unsolicited phone calls from competing mortgage companies citing that they noticed my credit was pulled by a mortgage lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: General Motors Financial Company, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have uploaded a deceptive form from GM FINANCIAL showing how they are in violation of 15 USC 1692j ( a ).

Pursuant to 15 USC 1692d ( 1 ) GM FINANCIAL is also in violation by using criminal means to harm my reputation which is my credit reports. They have threatened to negatively affect my credit and add additional fees and have stated it is allowed by federal and state law, what i don't understand is how they came to this conclusion? when I have proof this was a consumer credit transaction and a finance charge was involved. 
GM FINANCIAL is also in violation of 15 USC 1692d ( 2 ) they have used obscene and profane language by calling me a SCAMMER in the letter submitted. 
I just want to make it clear that this is not a scheme or scam, NO this is very serious and my paper work I have sent in is very real. I will follow with a lawsuit next if I don't hear back. Remember not only are you civilly liable but CRIMINALLY liable as well. The CFPB has all the documents i have sent already form my last complaint and those are not fraudulent and they will hold up in federal court. 
See the attached document for proof of all that i have spoken today thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
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:
NELNET CONTINUES TO REPORT A 1 TIME LATE ON MY STUDENT LOAN WHEN THE ACCOUNT WAS IN DEFERMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: FEARON FINANCIAL LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Respected Sir/Madam, Below was the situation I'm forced into during the Mortage Closing by " Keller Mortgage LLC ''. 

I've started my home mortgage loan application with Keller on XX/XX/2020 and the initial Mortgage Insurance ( MI ) amount was quote as {$110.00}. 

Later, we have scheduled the closing and title transfer on XX/XX/2020 at XXXX XXXX PST. The Keller Mortgage sent the Closing Disclosure ( CD ) on XX/XX/2020 and the mortgage insurance mentioned as {$110.00}. 

On XX/XX/2020 at XXXX XXXX  PST, Keller Mortgage issued an update to the CD with a mortgage insurance increase of {$120.00}. 

There's a difference in the MI that I've noticed at the title office while reviving the documents. As per the title officer, I need to sign the document right now to get the loan and talk to the mortgage company later to resolve the same. I don't have the time to resolve the issue at the title office hence I've been forced to sign the documents. 

After coming home, I've contacted the loan officer and his supervisor regarding the increase in the MI but after a couple of days of conversation, I was told that the loan has been closed and there will no changes anymore. 

I really felt frustrated and helpless due to the loan officers ' mistake and how they handled the situation. 

Please let me know if you need any further documents. 

Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-12
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Transworld Systems ( TSI ) sent me a letter dated XX/XX/XXXX informing me that I owed the creditor XXXX XXXX XXXX XXXX account XXXX for former creditor XXXX  the amount of {$76.00} dated XX/XX/XXXX. I contacted XXXX who confirmed this debt. I had no knowledge of this debt when I closed my account with XXXX. I then paid TSI the {$76.00} online using my XXXX XXXX debit card because TSI refused to be paid by credit card. The confirmation number is XXXX. 

TSI has NOT CONFIRMED that this debt is paid as of this time. I called them last week and told me that they don't know when this will be cleared or whether it would hurt my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, a mortgage payment was made to PHH Mortgage. The payment was made in the morning and was done through their website.The payment is not showing on the website nor in the payment history. The company did send a letter mentioning the payment made on XX/XX/2020 that is enclosed. I also enclosed copies of the statements which do not show the payment being made. The company sent back the payment twice and then called ten days later requesting another routing number stating that the routing number used is not working properly. I have had problems with the parent company in the past ( Ocwen ) who put my home in foreclosure using the same practices. I would like an investigation to look into this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: JPMORGAN CHASE & CO.
State: NC
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:
On XX/XX/2021, i made an online purchase from a store called XXXX for products for my business for the amount of {$60.00}, after checking out i received no notification on when i'd receive those items, so i went back to the website and tried to contact the seller, through its Contact Us page, but the email is not in text form .... its a photo picture of the email, so i emailed them ... ..then i XXXX that email and thousands of reviews said the website is a scam and set up to look legitimate and its fake, so i logged into XXXX to make a complaint and XXXX  denied my claim. 

So on XX/XX/XXXX i immediately contacted Chase credit card services to put them on notice, that i unknowingly made a purchase on a scam website and to stop payment, they refused and told me to wait 7 days, so i agreed, then i called back after the 7 days and was told by a supervisor named XXXX on XX/XX/XXXX that i needed to wait 45 days to give the seller an opportunity to deliver. 

I feel i'm being discriminated against because of i'm a XXXX male its my race and gender, and if i were a white male or female with a different type of chase credit card, i would have received a refund back to my account much sooner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX, I called Chase to advise them that I expected to have 2 charges on my account through Chase pay at XXXX in XXXX XXXX, one for {$100.00} and one for {$300.00}. I called them to advise them in advance as I understood that there had been fraud problems at XXXX and i wanted to try and minimize the chance of a problem. 

I went to XXXX and made the first charge of {$100.00}. I then tried to make the second charge of {$300.00} and the charge was denied. I called Chase at the store and was advised they had made an appropriate adjustment and I should try to make the charge again. It was denied. As the person I spoke to was still on the phone she advised that she could not fix the problem and she transferred me to a different department. I spoke to that department and they tried to identify who I am by asking me questions from the public record. The questions they asked had nothing to do with anything in my past so they were not able to confirm my identity. They advised that they would contact me within 48 hours but in the meantime I could not use my card. When I returned home there was a message on my phone from Chase, which I am not sure what the timing of that call was. I returned the call but they were still unable to resolve the matter and they would call within 48 hours. I did not receive a call but several days later received a letter from Chase asking me to call. They were not able to get access to my account and advised that they would call in 48 hours.  Today is XX/XX/XXXX it has been 17 days since the initial incident and I still have not received a call from Chase. I called Chase today and was advised that they still could not access my account and they had no further information. 

I do not understand the problem and am only seeking to have whatever the problem on the account is resolved. If they wish to cancel the account, I would be okay with that other than I believe I have earned {$10.00} of cashback rewards which I would like to receive or be credited with. I just find it frustrating that it has taken 17 days to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/21 my XXXX  partner and I opened a XXXX banking account at Chase bank on XXXX XXXX in XXXX, NY with a man named XXXX. I deposited a check from my employer for our initial deposit. The money was taken out of my employer 's account and never deposited into mine. When I called to find out why, Chase told me that the check " did not look like others '' my employer had written. Not only have I never had a problem like this with another institution, my employer can verify that that statement is a flat-out lie, because she does not write checks to anyone but me and therefore Chase has never seen one of her checks. That aside, after calling Chase multiple times and having them verify with my employer that the check was legitimate, they are still refusing to give me my money. They have closed my account and are holding over {$4000.00} in limbo. Not only should they not be able to hold money in limbo, they also should not be able to close my account without my permission ( in a case like this ). Every time I call I have to remain on hold for very long periods of time. Every time they call my employer to REPEADELY verify the check this looks bad for me and is a hassle for her. Not only has this process gotten us nowhere, we do not have time for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDLAND CREDIT MANAGEMENT is reporting a collection account that does not belong to me. There was no investigation by the credit reporting agencies to confirm this account. Midland Credit Management has not furnished any documents proving this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my 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 2018-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Recently I found out that there is a judgement against me from XXXX XXXX. It is showing under the pubic record of XXXX XXXX that I owe them the amount of {$9000.00}. I have no knowledge about this and i do not recognize this amount.

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 2018-05-10
Company: U.S. BANCORP
State: CA
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 received several alerts ( from XXXX & XXXX XXXX ) that changes were being made to my XXXX credit file. After checking it out I found that XXXX XXXX ( I do not do business with them ) had made inquiries, and had changed my Employer to " XXXX '' a company I had never worked for. 

I called XXXX XXXX  immediately and they told me that they had issued two credit cards under my name ( I did not apply for them ) but had closed them already due to fraud. The information provided for the fraudulent credit cards was inaccurate ( new employer ) and out of date ( they used an old address ), but still XXXX XXXX  issued fraudulent credit cards and " updated '' my credit file with inaccurate information. 

A few days later I received the attached letter from XXXX XXXX ( note that the letter does not say " XXXX XXXX '' anywhere -- the cowards are trying to hide their mistake. ) XXXX XXXX  did nothing to correct the changes made to my account. I changed my XXXX   credit file back myself ( deleted " XXXX  '' as employer ). 

A week later, I received another alert that additional changes were being made to my XXXX  credit report, and that my XXXX XXXX had lowered 11 points due to excessive credit card balances. That change was not caused by my credit activity. I called XXXX XXXX again and was told that they " couldn't help me ''. 

XXXX XXXX is an incompetent bank and should not be allowed access to people 's credit files. I hope they go the way of XXXX XXXX soon ( {$1.00} billion+ penalties, etc. )

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