BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-08
Company: JPMORGAN CHASE & CO.
State: AL
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:
Creditor : Chase Bank USA Na Credit Bureau : XXXX  XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( Chase Bank XX/XX/XXXX ) I contacted Chase Bank Usa on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for Chase Bank Usa or XXXX who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This problem involves Mr. Cooper loans formerly known as Nationstar mortgage. I fail behind on my payments after 13 years of never missing a payment with a credit score of XXXX. This came as a result of losing my job. 
I performed odd jobs and tried to make payments online as I have always done. However, the company froze my account. I wrote them a letter to please allow me to make payments because I wanted to pay down what I owe but they ignored it. 

After 5 months, strangers started coming to my house because the mortgage company put my name, home address, telephone number to the public. During job interviews at one point, I began to get harassed by call after call from total strangers who got my number from Mr. Cooper. When I say harassed, I mean back to back to back to back phone calls from complete strangers asking to purchase my house. I would get 15 calls in one day frequently. 

I called them to complain and every single time they asked " what are the people calling you saying? '' I tell them and their response is always " interesting ''. The number the gave me for mortgage assistance which I have called 21 times ... every single time there's only an answering machine belonging to a Ms. XXXX. I left a message several times. Yet when they call back, there is only static on the other end. No human ever called back. Even when I called back immediately after the call, I would get the answering machine to whoever this XXXX is. 
I tried to test them by inquiring about refinancing and I received a call back in 5 mins with an actual human being. I told him about my problem and he promised to call back but never did. 
The entire time my house kept being invaded by complete strangers and phone calls multiple times per day. After several months ( 8 months ), I was finally able to get a real human being because I complained to XXXX. I applied for mortgage assistance, they denied and said I can appeal their decision. I followed the steps and appealed they ignored it and haven't responded in 3 weeks nor acknowledge receipt of the letter. 

I am still unable to submit a payment online and now my missed payment is XXXX dollars. Had I been afforded the opportunity pay what I could it would not be this huge amount. Nor would I have lost my job because of the multiple calls back to back from strangers they gave my cell phone number to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2018-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
In cfpb Complaint No. # XXXX and # XXXX, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I sent a letter to Bank of America and requested for " VALIDATION '' of debt. They refused to send any valid information but the summary of an account. Yet, after many months, they refuse to settle the charges per the regulations. 
Thank you, 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 2021-08-19
Company: Penn Credit Corporation
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I, XXXX XXXX, mailed Penn Credit Corporation a Cease and Desist Letter via certified mailed with return receipt. On XX/XX/2021 the return receipt was sign by XXXX XXXX XXXX with her acknowledging that she has received the written communication on XXXX communication. Pursuant to the FDCPA XXXX5 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

On XXXX, XXXX 2021, Penn Credit Corporation Violated the FDCPA Pursuant to 15 USC 1692c ( c ) as Penn Credit Corporation sent me letter for request for payment on a debt that I do not owe.

I will be attaching the written communication informing Penn Credit Corporation of ceasing communication as well as the certified mail w/ receipt signed and received on the behalf of Penn Credit Corporation . Also will be attaching the letter sent after Penn Credit Corporation received written communication to cease communication with respect of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: EQUIFAX, 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 have tried dispute these and it gets me no where, even on the website it wont let me, these are not my accounts, I am working hard to get my account in shape and its steadily adding these accounts from someone else! 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$750.00} XXXX XXXX Authorized User XXXX $ XXXX XXXX Authorized User XXXX $ XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry XXXX XX/XX/XXXX + XXXX XXXX-auto Inquiry from XX/XX/XXXX + Misc . 
XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + Retail, Not Elsewhere Classified XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN
Product: Credit reporting 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:
During Covid I contact the Company informed them we want working Doing that Time 4 late payments was still reported to all major credit Burea according to the Law 15usc 16815-2 ( a ) ( 1 ) ( cp ) all information During Covid Should be reported late on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
ON XX/XX/2020, MY UI USBANK RELIA CARD WAS REJECTING PURCHASES AND WAS NOT WORKING. I HAVE ATTEMPTED SINCE THIS DAY TO CALL CUSTOMER SERVICE, GO ONTO THEIR WEBSITE AND MOBILE APP. FOR 6 DAYS, I HAVE YET TO GET THROUGH TO ALL CUSTOMER SERVICE PHONE NUMBERS, THE WEBSITE AND MOBILE APP IS NOT WORKING CORRECTLY, CONTINUOUSLY STATING YOUR PASSWORDS, SECURITY QUESTION ANSWERS ARE INCORRECT, ALONG WITH MY CARD NUMBER, WHICH ALL HAVE BEEN ENTERED CORRECTLY. IVE BEEN LOCKED OUT, ALONG WITH FRAUD TAKING PLACE ON MY ACCOU NT AND I CANTY EVEN REPORT IT. I CAN NOT ACCESS MY AVAILABLE FUNDS, FOR SIX DAYS. I HAVE TRIED EVERY WAY POSSIBLE TO CONTACT SOMEONE. US BANK SAYS THEY ARE NOT AFFILIATED. THOUSANDS OF PEOPLE ARE HAVING THE SAME ISSUES. NO ONE IS ANSERING THE PHONES. ON HOLD FOR HOURS THEN GET DISCONNECTED. ITS INSANE PLEASE HELP

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 2019-10-27
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was a little behind on my mortgage so I went to pay a month online but the system didnt work. It confirmed that I paid but never withdrew. I called PHH mortgage and they said it was a problem with the bank so I called my bank and they never got the request. At this point I was quite behind, but had the amount to get myself up to date. I called and through discussing with them discovered they had my wrong bank so we paid again for the amount of {$3000.00}. It was removed from my account so I assumed it was all set. I then received a foreclosure letter from them along with an attorney letter. I was surprised since as far as I knew I was current on my mortgage. I called them and they said they never received the money. I had my bank conference call to them to inform them it was indeed removed from my account on XX/XX/XXXX. They said they can not locate the money and to call back Monday to see if they had located the money but that they could not end the foreclosure process until those funds were located. I am concerned that This is negatively impacting my credit along with any fees that may come from the foreclosure process. I am also terrified I will lose my home when I have not done anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
For the past several YEARS ; I have been a victim of XXXX ( min civil suit penalty of $ XXXX for life-threatening damages ) practices by organized XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Nevada XXXX Texas XXXX New York, and XXXX who have engaged in a pattern of XXXX  activity. My identity was stolen. My medical records were XXXX XXXX XXXX XXXX XXXX. There has been interstate stalking and harassment. My children  were injured and they are influencing the case by trying to get the XXXX driver a lighter sentence than a felony. They injured my XXXX brakes, and tampered with my gas tank which totally damaged my vehicle to prevent me from traveling. They have people on the payroll who abuse the mailing system to delay and withhold my mail on purpose. I opened my account at PNC Bank back on XX/XX/2022. Everything was fine until late XX/XX/2022. I started having issues with my debit card transactions. Employees who XXXX need another background check ( Level XXXX ) at PNC Bank kept changing my mailing and billing address. The past couple of days, I have had weird conversations with employees stating 'they need to know exactly where you live - your physical address where you are '. The constant changing of my address is causing my transactions to decline and wire transfer issues with XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Consumer attempted to resolve this previously but consumer reporting agency aren't in compliance. TransUnion by law had 4 days to remove accounts relating to identity theft. Transunion must follow state and federal regulations and codes including under FCRA and Privacy Act. XXXX XXXX XXXX is an account showing on consumer report is in violation of consumer rights including section 5 of the FTCA as well as the FDCPA. Consumer demand this account to be removed immediately as consumer has already filed identity claims and complaints with other regulatory agencies. 

Consumer has in possession proof of claim needed for lawsuit against Transunion for not complying. Consumer has the right to seek remedy on invalidated and inaccurate fraudulent information effecting consumer right to do business in commerce.

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 2015-06-25
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold by XXXX to Nationstar Mortgage. I went in to make my payment online like I do every month only to find that they charge a fee of {$9.00} if the payment is made after the XXXX of the month. I have never been charged a late fee by XXXX if the payment was made before the grace peiod.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Experian Information Solutions Inc.
State: UT
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:
Experian didn't properly identify my disputed update. For Account Name XXXX   XXXX Account Number XXXX Account Type Credit card I'm requesting proof of liability to this account that is on my credit report and I was only sent an update to the claiming it's mine. Under Sec. 602. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness,1 credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

1So in original. Probably should be creditworthiness,.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 

By law I request to see signature I owe this debt!

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 2018-05-01
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My back was lost during the early hours of XX/XX/2018. When I awoke and checked my account online I found that it was overdraft. I thought it was my fault. I decided to rush to the bank to make a deposit to cover the overdraft fee and thats when I realized my card was missing. I went to my branch to report my card missing and make the deposit. The teller told me she was de-activating the missing card and she re-issued a new card. I deposited XXXX into the account at the same time. Later that evening I checked my account and found that the deposit that I made was gone and the account was back in overdraft due to fraudulent charges. My pin had been obtained and I have no idea how. I immediately called customer service and they informed that the teller had not de-activated the lost card like she claimed. I filed a complaint which was denied and I re-filed a second complaint. The bank is not taking responsibility for the employee 's error. They are trying to hold me liable for the overdraft fees and I refuse to pay for charges that I didn't incur. I desperately need outside help to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. 

I am writing this due to non-compliance with ( XXXX, XXXX, Transunion ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-10-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I started since XXXX of this year dispute unverified inquiries with TransUnion. I send them 4 round of dispute letters to resolve this matter. I recently check my report and still have in queries that are hurting my credit score so bad.

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 2019-10-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Everything concerning my account has been corrected with the exception of a {$65.00} late fee for which I am still being billed as of my payment due XX/XX/XXXX. This late fee was caused by PennyMac 's misapplication of my XX/XX/XXXX payment made in the amount of {$1600.00} to principal in the amount of {$850.00} and to escrow in the amount of {$780.00} instead of applying it to the regular payment due in the amount of {$1600.00}. 
However, PennyMac has since corrected this misapplication but has neglected to delete the late fee that was erroneously charged. It is requested that this late fee be deleted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
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:
It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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