BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/18, i received an email from XXXX stating there was a change made to my credit score. Upon review of this information, there was a suspicious inquiry made with XXXX on XX/XX/18 in an attempt to open an account in my name. This is a fradualent account and this inquiry has lowered my credit score. A phone number ( XXXX ) was also added to my credit report and this number does 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 2020-11-09
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
on XX/XX/24 within 2 hours of the purchase of the gift card, I called US Bank at XXXX after I noticed that the XXXX XXXX card loaded with an amount of {$500.00} was not working and may have been hacked. I was told by the representative that my card had been deactivated and that I will get a new one in the mail within XXXX business days. 

Yet, several hours later my card ( that has always been in my sole possession ) had been used fraudulently. 

I called 5+ times their number to file a dispute, every time I get transferred to their dispute team I get disconnected after waiting VERY long time on the phone ( once after XXXX mins! ). 

So I need to file a dispute and get my money back!

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 2018-06-12
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/18 I sent a certified letter to XXXX XXXX aka Resurgent capital services. I asked them to validate a debt that was being reported on my credit report. On XX/XX/18 I received a letter from them asking me to contact office for further assistance and also wrote a disclosure stating I needed to notify them within 30 days of receiving the new notice if I dispute the validity of the debt. They told me to dispute the debt if I didnt think it was valid in response to my debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Amendment to XXXX : Just rec 'd escrow stmt dated XXXX stating my acct has a shortage of {$5.00}. This after CHASE refused to deposit my my full {$300.00} check to escrow to cover past and projected shortages, then applied {$200.00} to principle without authorization. CHASE demands my payment be increased as CHASE refuses to accept escrow funds for projected shortages. People need to keep their payments low in the event of hard times such as NOW! CHASE insists they are just following the rules but refuses to give me a copy of the rule or explain why the rule must be enforced if it is satisfied. Surely the satisfaction of the XX/XX/12 rule by a sufficient escrow balance should void its implementation. CHASE is insensitive, unreasonable, unfair, and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
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: Information belongs to someone else

Complaint:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-10-24
Company: PLANET HOME LENDING, LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My secondary loan has fallen very behind and was sold to multiple companies just when we were coming to a negotiation. The last company sold my loan in XXXX and Planet home lending took my loan over, they have sent letters stating they are will to help and we were in final stages of negotiation to get the loan back on track with a down payment, I received the paperwork and all it stated was the amount I needed to pay by XX/XX/2021 but there was no terms on the letter stating what my payment would be or what the down payment was going towards. I tried reaching out to my contact person XXXX XXXX through email and phone before the deadline and she was on vacation and not coming back until after the payment should have been made. The lawfirm stated I needed to have terms on that letter because it the loan was maturing and they could have told me in 12 months the rest was due immediately. 

XXXX XXXX had received a cease and desist from the company I am working with, but now I have received in the mail final judgement to put in for a sale date.I would like to resolve this ASAP but I never receive an answer. I fell into default which I had explained due to the fact my daughter had XXXX XXXX XXXX XXXX  ( which I can provide documentation if needed ) my husband was laid off at the time and we fell on hard times. We are more than willing to fix this problem and pay to keep our home as we have XXXX children and are hard working people. Can you please provide help?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: JPMORGAN CHASE & CO.
State: SC
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:
I booked a round trip ticket to XXXX thru XXXX XXXX. on my Chase Amazon Visa. Hurricane Dorian struck yesterday @ XXXX XXXX XXXX S.C. doing major damage to my house. I have tried to cancel my tickets thru XXXX XXXX ... .they said that I would have to contact XXXX and XXXX airlines directly. I got the " mailbox full '' message from both airlines, leaving me with nowhere to go. When I finally contacted XXXX today, the call center representative spoke broken English which went nowhere. I have asked Chase Manhattan to charge back the airlines ( XXXX and XXXX ) on my behalf. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I didn't even attend the school for 3 months. I told them I will be joining the XXXX & to remove me. They said it was fine. After I joined the XXXX, I found out that they were still charging me as if I was attending the school. They now have me at over {$9000.00} that I owe them & my account is now at default. The school closed down years ago due to fraud. They have scammed numerous students with loans like they did to me. I have filed a dispute with the credit bureau & also the dept of education. I have also filed a complaint with the California Department of Consumer Affairs. It is currently under investigation. I have been serving in the XXXX XXXX for almost 9 year now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-24
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: Information belongs to someone else

Complaint:
The XXXX XXXX XXXX  and XXXX XXXX XXXX listed on my account credit report that I currently have no knowledge of. This was a result of malpractice.

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 2021-10-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my credit report. The credit report showed a credit inquiry by company ( s ) that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.

I have sent this letter l because I need your prompt response to this issues. Please be so kind as to forward me documentation that youve had the unauthorized inquiry removed. 



Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home with XXXX XXXX XXXX XXXX XXXX and my first mortgage payment was made to them XX/XX/XXXX. The loan was then sold to another lending institution but XXXX XXXX did not convey the XXXX mortgage payment. I tried to get XXXX XXXX XXXX to correct this but after 5 months of effort, I was forced to make the XX/XX/XXXX payment again to the new lending institution to avoid being in default. 

Every attempt to reach XXXX XXXX XXXX was unsuccessful. I called every phone number listed but could never reach a human, I sent a certified letter ( marked received ) and even drove to the XXXX XXXX office listed on their website ( which they have never occupied ). 

Note of clarification : I paid XXXX XXXX XXXX  twice on XX/XX/XXXX ( in error ), and they did return 1 of those payments.

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 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND I DISCOVERED A BANKRUPTCY ON MY CREDIT FILE WHICH I HAD NEW KNOWLEDGE OFF. THIS ACCOUNT WAS NOT AUTHORIZED BY ME AND I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER. THIS BANKRUPTCY HAS BEEN REPORTING INACCURATELY ON MY CREDIT FILE AND I AM DISTRESSED BECAUSE I HAVE NO IDEA HOW LONG IT HAS BEEN REPORTING NEGATIVELY ON MY CREDIT FILE. I AM REQUESTING IMMEDIATE REMOVAL OF THIS BANKRUPTCY ACCOUNT.

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 2021-09-15
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had 10 unauthorized transactions posted to my chime account between XXXX XXXX XX/XX/XXXX. 
I promptly disputed them, sent in 3 forms as it was 3 separate dispute numbers, and have waited over 10 days for a resolution. Still have not recieved a provisional credit or any type of resolution. The dispute # XXXX are XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
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 filed a dispute with Portfolio Recov Assoc and ever since the dispute, for 3 weeks in a row, this company keeps flagging this account as negative/collections and intentionally lowering my credit score. This company did not do this until I filed the dispute. Portfolio Recov Assoc is doing this in RETALIATION for filing a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: EQUIFAX, 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:
Please find letter dated XX/XX/XXXX, from XXXX XXXX for the amount of {$260.00}, Please find my dispute letter sent to them by certified mail and dated XXXX.which they never responded, the debt was never verified.I then disputed this debt with Equifax, please find  attached letter sent by certified letter dated XX/XX/XXXX, outlining the reasons that this debt was never verfield. Please see Complaint number XXXX for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX of 2020, I filed a dispute with the Experian Credit Bureau about the unverified accounts : XXXX, XXXX  -- XXXX, XXXX XXXX -- XXXX, XXXX. XXXX  -- XXXX, XXXX XXXX -- XXXX, In XXXX 2020, I requested a removal of these accounts for 30-days non response which is a violation of the FCRA. In those 2 months I have asked several times for a response and I have not received anything from this bureaus. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. 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 2018-05-03
Company: JPMORGAN CHASE & CO.
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:
Used Atm for a withdrawal of {$400.00} ( 4 ) {$100.00} currency Bill 's but received ( 2 ) {$100.00} currency bills and ( 2 ) {$5.00} currency bills. Held up to camera and went straight into the bank to recover correct amount. They have me a temporary credit of {$190.00} but 2 weeks later took it back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-31
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am currently trying to purchase a house. I have been dealing with this issue for several years now. The original company was originally XXXX XXXX XXXX XXXX XXXX ( XXXX ) representing XXXX XXXX who bought a debt from XXXX XXXX. Since then the accounts of XXXX have been taken over by Cooling and Winter after XXXX went out of business. Cooling and Winter were the business partners of XXXX XXXX XXXX. 

In 2013 I received notice from the XXXX County, Ga court house to come and pick up a judgment against me. I had never received anything in the mail prior too or any phone calls from this company notifying me that I owed a debt, or any information on how to dispute the debt. Because there was a judgment against me, and because I had never been in any trouble, I assumed bc this company used the court system that it was a legitimate claim. I contacted XXXX and spoke with a representative to schedule payment arrangements. The representative never told me which company had the original account against me or what my options were at that time. I made several payments to this company, but my balance was not decreasing, so I asked the representative about it and she gave me something about having to pay interest on the account and told me that she would connect with me an attorney within there company to explain. She also said some other things, that was not adding up, so I begin researching the company on the internet, and realized that something was not right. After further research and review of my credit I realized that I have never had any accounts with XXXX or XXXX XXXX so I stop paying them. XXXX XXXX XXXX never reported any information to the XXXX County, GA courthouse of payments that I was making to them. 

There is currently a court judgment against me that I am disputing. I have also filed a dispute with Cooling and Winter. The representative at Cooling and Winter told me that in order for it to be settled, I would have to prove that I never owned the account. XXXX XXXX XXXX violated several consumer practices when filing and attempting to collect on this debt. I do not owe this debt and this is fraudulent.

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 2022-08-12
Company: WELLS FARGO & COMPANY
State: NJ
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:
Company is reporting to my credit report without my consent, I do not recognize this debt, I have requested to the company to provide summary of it, agreement and any information they may have to prove the account is mine and they have not send anything.

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 2021-10-24
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/2021, I noticed that Experian was show showing a repeated charge off that manipulated statute of limitations regarding XXXX Acct # XXXX. I asked Experian and XXXX to investigate and delete as it was reporting inaccurately. Both entities claimed verified with XXXX fraudulently claiming they do not have the power to remove the account. I then asked for MOV that was ignored by both entities. Then I asked XXXX to prove they were reporting correctly. They could not do so. In fact, all they sent me was an unsigned contract which is not proper verification/validation of a debt. 
However, both Experian and XXXX both claim this account is reporting accurate and refuse the delete this inaccurate and unverifiable account. Which is a violation of my consumer rights and an FCRA violation. 
Furthermore, it is blatantly illegal to report a charge off for 5 months in a row then report nothing for 12 months to then remark 'N ' two to three years later. This is clear manipulation of statute of limitations and the inability to properly validate/verify debt with a signed contract with my signature allows me to seek monetary compensation for violation of my consumer rights. I demand that the account be deleted in full or to be compensated to the amount of {$1000.00}. I have been asking that this be resolved for the past 6 months, Per the FCRA I am entitled to monetary compensation for violation of my consumer rights.

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 2018-01-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have just been reading about the HSBC Advance Checking Maintenance Fees ( that have been deemed illegal in some countries ) and checked my own checking account to discover they have been charging me $ XXXXmonth for years. I never use this account ( other than for transferring money between US and XXXX HSBC accounts ) and they have charged me an incredible amount of money. The search function on their website only goes back as far as 2016. But I think these charges go much further back. 

This account was mis-sold to me. I had no idea I would be charged a fee for going below a certain amount. If may have been buried in the Terms and Conditions but I was not properly made aware of that. 

I have other Checking Accounts with XXXX XXXX and XXXX, which do not charge me a fee. 

I feel very XXXX  for not checking my statements but I have also not been told before/during the opening of this account that I would need to pay a fee ( for literally no service ). 

These " packaged accounts '' have been deemed unethical in many other countries : XXXX XXXX XXXX I am happy to adhere to the policies of the account in the future ( now that I have been informed of them ) but this taking thousands of dollars from my account is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: JPMORGAN CHASE & CO.
State: GA
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:
JP Morgan XXXX XXXX is reporting information to my credit report inaccurately. 

1. High Balances differs between all 3 major credit bureaus. 

2. Date of Last Activity differs between all 3 major credit bureaus. 

3. Date reported differs between all 3 major credit bureaus. 

4. Date Opened differs between all 3 major credit bureaus. 

5. Last Payment Date differs between all 3 major credit bureaus. 

6. Credit Limit is missing. This is inaccurate

Company response to consumer: Closed with explanation