BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: EQUIFAX, INC.
State: WA
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:
Back in XXXX, I purchased my first home in XXXX XXXX, WA with a mortgage from XXXX XXXX XXXX XXXX ( XXXX ). 
As part of the mortgage, I setup a savings account, and setup Autopay to have my monthly dues automatically withdrawn from the checking account. Please note that I opted NOT to pay for insurance and taxes from an escrow account when setting up the mortgage. 

Fast forward to XXXX, I moved to a new city but kept the house in XXXX XXXX. Immediately upon my move, I changed the mailing address tied to my XXXX accounts from the website. I had not realized at the time that XXXX Mortgage kept separate addresses on file even though all records are accessed through the XXXX banking website, and because of this, the mailing address for the XXXX mortgage account was never updated. 

Sometime in XXXX, I switched to a different insurance company for the XXXX XXXX XXXX and informed XXXX of the change as instructed by the new insurance company. However, sometime in late XXXX, I received a phone call stating that I was behind on my mortgage payments. 
Several phone calls later, and upon closer review of my account, I found that XXXX force-purchased insurance claiming that I had not submitted proof of insurance. Because of the insurance that was purchased and the escrow that was created for it, my monthly dues had gone up, and the amount I had setup to for Autopay was just short of the new dues. 

While this was happening, XXXX apparently mailed me notices to my old mailing address on file but never once contacted me over the phone until way late in the game. XXXX also just held on to my monthly payments without processing them nor issuing a refund. 

In the end, I immediately paid the overdue amount and submitted proof to XXXX after which they issued a refund for the insurance and associated fees. XXXX also processed all of the funds that they were holding from payments they hadn't processed, so currently I am actually 3 months ahead of schedule in my payment. 

However, despite all of the above, my credit report still reflects that I had two major delinquencies in my payment which not only impacted my score, but have caused lenders to deny my refinancing application which will end up in tens of thousands of dollars in lost opportunity cost. 

I had filed disputes with all three insurance companies to no avail, so I'm asking CFPB to please step in and get this corrected as I have not missed a single payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019, my Chase dept card was stolen. The same day, the thieves made 50+ individual transactions mainly at XXXX for an average of {$100.00} per transaction using the card and the PIN for a total of {$5500.00}. I filed a police report the same day and started a dispute with Chase. Chase responded in a letter dated XX/XX/XXXX that the claim was denied and all transaction are authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Running my credit report I notice that I had accounts that I did not authorize or know anything about thats was in collections and did not belong to me. I then proceeded to make a police report and call all three credit bureaus to let them know..

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 2017-12-20
Company: TD BANK US HOLDING COMPANY
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:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by TD bank of a fraudulent application submitted with his information without his consent. That application resulted in an inquiry into his XXXX  credit report XX/XX/XXXX that he did not authorize. A formal dispute of this was mailed to TD bank XX/XX/XXXX however as of this date TD bank has failed to report the status of the dispute/investigation results to either this office or our client.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Back in XXXX, I purchased my first home in XXXX XXXX, WA with a mortgage from XXXX XXXX XXXX XXXX ( XXXX ). 
As part of the mortgage, I setup a savings account, and setup Autopay to have my monthly dues automatically withdrawn from the checking account. Please note that I opted NOT to pay for insurance and taxes from an escrow account when setting up the mortgage. 

Fast forward to XXXX, I moved to a new city but kept the house in XXXX XXXX. Immediately upon my move, I changed the mailing address tied to my XXXX accounts from the website. I had not realized at the time that XXXX Mortgage kept separate addresses on file even though all records are accessed through the XXXX banking website, and because of this, the mailing address for the XXXX mortgage account was never updated. 

Sometime in XXXX, I switched to a different insurance company for the XXXX XXXX property and informed XXXX of the change as instructed by the new insurance company. However, sometime in late XXXX, I received a phone call stating that I was behind on my mortgage payments. 
Several phone calls later, and upon closer review of my account, I found that XXXX force-purchased insurance claiming that I had not submitted proof of insurance. Because of the insurance that was purchased and the escrow that was created for it, my monthly dues had gone up, and the amount I had setup to for Autopay was just short of the new dues. 

While this was happening, XXXX apparently mailed me notices to my old mailing address on file but never once contacted me over the phone until way late in the game. XXXX also just held on to my monthly payments without processing them nor issuing a refund. 

In the end, I immediately paid the overdue amount and submitted proof to XXXX after which they issued a refund for the insurance and associated fees. XXXX also processed all of the funds that they were holding from payments they hadn't processed, so currently I am actually 3 months ahead of schedule in my payment. 

However, despite all of the above, my credit report still reflects that I had two major delinquencies in my payment which not only impacted my score, but have caused lenders to deny my refinancing application which will end up in tens of thousands of dollars in lost opportunity cost. 

I had filed disputes with all three insurance companies to no avail, so I'm asking CFPB to please step in and get this corrected as I have not missed a single payment.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Credit Bureaus are requesting proof of Identity even after receiving from the CFPB and the physical dispute that was mailed in.

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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX Bankruptcy Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-29
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX Chime advised me they were closing my account and holding all funds in due to questionable deposits. I verified with supporting documents all deposits into the account to no avail. I've asked for an explanation or appeal to no avail as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/2018 I wrote to Experian, XXXX and XXXX   including some collection agencies that were on my credit report. In XX/XX/2018 I also submitted a complaint through the CFPB portal about some issues I was having with these bureaus and agencies. I however had gotten responses from the bureaus and these negatives that were impacting my credit report and scores were resolved and taken off my report. 
I was in the shock to see one of those negatives that were taken off my credit report reappearing on my report in XX/XX/2018 which is about 4 months after all this was cleared up. 
I am now seeing a reappearance of a collection on Experian And XXXX in the name of a XXXX XXXX with an amount of {$620.00} and account # XXXX. I can not understand the return of this figure on my credit report with a totally different name that I am not aware of. 
I would like this inaccuracy to be cleared up and removed from my report as the negative report affected my credit scores dramatically and I would like to move forward.

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 2020-12-05
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
I have filed Several complaints against this company XXXX XXXX XXXX they were located in Texas with no phone number and now south Carolina i have tried to call them with no success I have never owned a account with them, they keep putting on my reports as a opened account with a newly closed date of XX/XX/2020 this has negatively affected my credit making it go down yet again every time 75 to 90 points they did this around XXXX as well this is ridiculous that a company or collection agency can fradulently do this this is illegal please remove this from my account as this is incorrect information i have never had a XXXX XXXX account. if it was a old collection account they bought they are still illegally reporting that it had been open in good standing and closed both times in XXXX and now XXXX with is a illegal refreshing of my account which now is two incidents this is unacceptable

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 2023-11-04
Company: Chek Cash, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me a i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible Loan express Account # XXXX amount {$350.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly remove the following items ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-07-24
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX performed and unauthorized inquiry on my credit on XX/XX/2018. They issued a letter stating the inquiry would Equifax has not removed it so I am filing a complaint against both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
JP Morgan Chase Bank offered me a {$300.00} bonus to open a savings account. I went through all the necessary steps with maintaining a large sum of money and setting up a direct deposit. When I spoke to an agent in XXXX they confirmed that all the necessary steps were in place. However, I did not receive the bonus when it was due. This marketing program is an Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) violation as the instructions were not clearly outlined. My husband set up the same direct deposit a few months ago and received his bonus. It is deceiving for Chase to ask to hold your money then be unclear with the instructions and not follow through on the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
To : JP Morgan CHASE & CFPB Chase justly, unlawfully closed bank account and they are not in compliance with the LAW 31 CFR 225.5 Is it the banks internal policy to record the borrowers collateral security promissory note with an actual cash value as a bank asset to offset a new credit liability?

Is the bank to follow the Federal Reserve Board of Regulations, under the Federal Reserve Act, particularly section 13, pertaining to collateral securities in exchange for equal amounts of Federal Reserve Notes, that does not SSN NOTES ARE GOV OBLIGATIONS require a loan, from the export of such collateral securities into the Fed District? 

Is Chase making all disclosers available and knowledgeable to the public? 
12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption 31 U.S. Code 1557 - Authority for exemptions in appropriation laws Sincerely yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Dear Sir/Madams of the Consumer Financial Protection Bureau : The complaint I am making is about a American Express credit card. In XXXX XXXX XXXX I bought plane tickets on the delta airlines website and was promised that I would get a {$300.00} credit and some Delta miles if I got a AMEX credit card, which I applied for online. Neither Delta or American Express has given me the miles or the {$300.00} credit on the credit card. 

I was told that I had a Delta AMEX card before sometime ago ( 5-6 years ) and that I was not eligible. I was never notified by them during the application process. So Delta and American Express owe me {$300.00} and XXXX XXXX that they promised. 

Ive called AMEX on the phone and Ive also written them, and they are refusing to give me what they promised me. Typical of huge American corporations which take advantage of their consumers, and they do it endlessly and repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been making payments on my credit card. When I would be charged a returned check fee more then three times. I would call my bank and the credit card company at the same time was told by my bank that there was no returned payments. Citibank would still not waive the the fee I continued to make payment but it accured again. So I closed the credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Citibank has called me 35+ times since XX/XX/21 ( I have all call logs ) My account at the start of the calls was past due {$170.00} for 14 days. A day or two after the initial contact from them, I tried to log into my online account. They had locked my online account, so i was forced to call them so they could coax me into making a " promise to pay ''. While on the phone with them, I informed them how many times they had called me and I only received a " I'm sorry, sir ''. I pressed the issue informing them of how ridiculous it was to receive on average 3 phone calls a day ( somedays they called me as much as 5 times in one day ). After doing a bit of reading, I found out that this interaction may be considered harassment and I wanted to file my complaint and await the next steps.

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 2022-11-28
Company: American Credit Acceptance, LLC
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In XXXX with the fair credit reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights. 
- 15 U.S.C 1681 section 602 A states I have right to privacy.

- 15 U.S.C 1681 section 604 A section 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. 
-15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation