BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-08
Company: JPMORGAN CHASE & CO.
State: MI
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/XXXX and XX/XX/2017 I received a hard inquiry from CHASE, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from CHASE in connection with this request ( as I already have one and do not desire anymore at this current time. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Date opened XX/XX/XXXX for amount {$2000.00} I disputed the account multiple times and requested a validation letter to verify information and to delete. My last dispute was XX/XX/XXXX and it came back verified without the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: PA
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:
I have tried disputing these NEGATIVE ACCOUNTS from my file but the creditor is not responding and they stay on my profile and hurt my credit scores so bad. 

XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Account Type : credit Card XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Account Type : Auto Loan XXXX Date Opened : XX/XX/XXXX Balance : {$9900.00} Account Type : Auto Loan XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Account Type : Credit Card XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} Account Type : Credit Card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
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:
I noticed on my credit report multiple phone collections all opened around the same time. I have never had a phone bill in my name I have been on my parents phone plan for the last 6 years and before that I was on my grandmothers plan. I would like these removed from my credit report. I am trying to work on my credit to be able to buy a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2900.00} XXXX FUNDING ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00}

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 non-monetary relief
Consumer complaint received 2021-03-02
Company: SUN WEST MORTGAGE COMPANY, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied in XX/XX/XXXX with XXXX for rate/term. All info originally told to me as far as rate and fees was a bold faced lie. I was told NO FEES at all and 2.9 rate. When LE sent there was several thougsand in fees above and beyond title fees. No calls no responses to inquiries until end of XX/XX/XXXX. Final CD never sent for review even after repeated request. When CD was day of supposed closing and it was incorrect. NO final CD sent, closing was no call no show. No final CD has been given to me in advance, at least not one that resembled what was told to me, and no advance notice on closing. When speaking to lender on XX/XX/XXXX and title agent, based on their recommendation we rescheduled closing for XX/XX/XXXX XX/XX/XXXX roles around and spoke to lender and closer and was awaiting closing. No call no show again from lender, however closer had the courtesy to reach out and say lender cancelled last minute. When I get processor and LO involved, the rate expired. They sat on this for a week, scheduled closing and intentionally let rate expire to further delay this debacle. Literally sat on the file for a week and waited until 10 minutes before closing to tell me this. The practices of this lender have resulted in numerous TRID violations, not to mention the appearance of multiple unfair, deceptive, and abusive practices including false advertising, saying no fees then charging fees and not following TRID rule. There are numerous UDAAP and TRID violations. I would have to imagine this treatment is not reserved for only me, but others are experiencing it too. In addition to the above, no one could give me a correct LE or CD based on what I was told I advance and once they actually did they cancelled closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I don't know how to go about getting this corrected so I was told to file a complaint if thingson my credit were incorrect. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX OH XXXX. My DOB XXXX My SS # XXXX. I found an incorrectspelling of my name ( XXXX XXXX ) not name please delete it. I was looking further intomy file I found addresses that I never lived at. Please delete the following unknownaddresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH 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 2019-08-15
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2019, I hired a gentleman whom was advertised on XXXX and XXXX as XXXX XXXX as a Debt Allocation Specialist. He had degrees from XXXX and XXXX  XXXX and specialized in debt payments. 

Unbeknownst to myself and both my Navy Federal and XXXX checking and savings accounts, XXXX gained access to my home network server and gained an entrance to every single bank account and credit card that I possessed. XXXX, single handedly went into my Navy Federal Account and made cash advances on each of my credit card and maxed them out. I am currently liable form almost {$80000.00} in fraudulent and reversed charges because of them person. 

My complaint comes at Navy Federal Credit Unions lack of investigation. According to the NCUA guidelines, it is my understanding that the credit union would have performed a thorough investigation. However, this did not happen. Despite the fact that I called NFCU at least a dozen times to inform them of XXXX  fraudulent an illegal scam, I was never allowed access to any security or investigator at all. This continued for almost three weeks. 

In the meantime, XXXX again gains access to my same Navy Federal account and makes fraudulent payments from an illegal XXXX XXXX XXXX checking account. An account that I had no idea even existed. 
Again, Navy Federal did nothing. The Union seemingly sat back and watch as XXXX conned and stole my money. So much so, that even a fellow Navy Federal member who received some of the stolen monies was never even questioned. I know this because I was told so by several of the employees of the union. 

I have very serious issues with not only the person of XXXX XXXX whos ads are still prominently displayed on several Social Media sites, but I have extreme issues with Navy Federal Credit Unions lack of response. To day, the union has not conducted one bit of investigations into my claims. However, according to their records, Im still liable for all of the almost {$80000.00} that was stolen. This is against all rules and regulations as set forth by your Association. 

Police reports and statements are included. 

Thanks for your time. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CREDENCE RESOURCE MANAGE This company was added as the debt collector after XXXX XXXX XXXX never made reasonable attempts to notify me of the pending debt. XXXX XXXX XXXX not only allowed the federal government to illegally wiretap me when they had no reason to believe I had ever committed a crime, they allowed them to live listen to my calls, monitor XXXX XXXX activity and allow third party - non-U.S. government contractors with ties to foreign governments- to do the same with impunity. 

XXXX XXXX XXXX  The only entities that benefited from my relationship with them was XXXX XXXX XXXX and the federal government. I was never given the opportunity to settle or ask XXXX XXXX XXXX to investigate these substantiated claims that even XXXX XXXX acknowledged the federal government broke their own policies to illegally view my bank account activity without a warrant or reason to believe a crime was being committed. XXXX XXXX XXXX is allowing the government to use them and their creditor as a weapon and intimidation tactic to dissuade people who dont fit a certain background / race to work for the federal government. 

This debt was recently added on XX/XX/XXXX - just days after I applied for jobs with the federal government and it is calculated ( provable ) attempt to deter me from pursuit of jobs within the government because of my own political beliefs and XXXX of my skin. They have gone after companies I work for recently as well as associates and should be investigated in the same fashion they investigated me and treated me like a criminal with no probable cause.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am just amazed that 3 credit bureaus all at once managed to do the opposite of what I requested. I asked for an investigation of items on my reports, none were done. I requested no fraud alerts, fraud alerts were added without my permission ... Can someone tell me why after providing the enclosed required documents to identify myself, the credit bureaus claim not to receive it ...? Why no investigations have been started after more than 30 days. This is a blatant violation of FCRA regulation ...

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$28000.00} 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 non-monetary relief
Consumer complaint received 2021-05-20
Company: JPMORGAN CHASE & CO.
State: CO
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:
I purchased a computer from XXXX online, they accidentally sent two computers, and are trying to charge me for the one I didn't order. As far as I know ( from the ftc website ) it's illegal to charge for goods sent by mistake, especially after receiving them? My bank has been no help and XXXX is trying to handle this like a regular return, saying it's been too long since the purchase to return it, but I only ever bought 1 computer! 

I purchased my computer through XXXX XXXX own website on XX/XX/2021. Initially, the purchase was declined due to fraud protection, but I was contacted by both Chase and XXXX about this and was told my initial purchase didn't go through so I'd have to put it in a second time, and did so as instructed. 

On the evening of XX/XX/2021, two computers arrived at my doorstep ( I had ordered and paid for 1 computer back in XXXX and was awaiting its arrival for some time. Before I had time to do anything about this, I found I was charged an additional {$1000.00} the next morning. I immediately contacted my bank, Chase, and they said they would file a claim for me and reversed the transaction while investigating. I got an email saying they were looking into things, but received no other communications. 

The evening of XX/XX/2021, I suddenly got a notification that my account had been overdrawn by more than {$900.00}. I took a look and the claim was re-reversed, and the charge from XXXX was back. I called Chase immediately but was told to call back when the claims department was open the next morning. 

I'm writing this on XX/XX/2021 because I called Chase to ask to dispute this again, as I still had not received any information or instructions for either keeping or returning the computer. According to the FTC website, it's illegal to charge me for goods I did not order, and no one seems to even care about that law in this case. I got hung up on or was otherwise disconnected from the call. Chase told me they needed additional information and I said I was happy to provide it, but they put me on hold and I kept getting disconnected. Finally I got someone, but they said I'd need to contact XXXX myself and they wouldn't help me at all. I contacted XXXX and they said it's been too long to " return '' the item. I tried explaining that I never ordered the item in the first place, and would be happy to pay a discounted price to keep the computer. He said he could only offer a discount if I was to buy additional items, so I refused. So now, because Chase won't dispute the transaction, I'm almost a XXXX XXXX in the red and XXXX won't recognize what they're doing is illegal either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2021-07-20
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items.

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 2015-06-09
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I called Ocwen today to ask them for a HAMP modification. I spoke to XXXX, agent ID # XXXX who told me that I did not qualify because of the delinquency. I disagreed with him because according to the government guidelines, the unpaid balance has to be less than {$720000.00}, the loan has to have originated before XXXX 2009, the property has to have not been condemned, it has to be my primary residence - at risk, and imminent default, have experienced a financial hardship and be able to show a pay stub and tax return, and not convicted of a felony within the last 10yrs. I stated that I meet all of the criteria specified by the government but was still told I do n't qualify because of the delinquency. I stated that my delinquency is still less than {$720000.00}. I was told that I still did not qualify and that the modifications are account specific and that I should not get my hopes up. I requested a modification package and was refused and was told that I had to pay my loan in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: CreditNinja Lending, LLC
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Interst rates so high can not seem to pay down the loan and it is Interfering with financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Penn Credit Corporation
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter addressed to me about an unpaid fine relating to a felony conviction in Florida in 2002. This bill is not mine. I called the company from my work phone and told them I am not the person they are looking for. The woman on the phone apologized and said she would remove my name from the system. Two days later I received a phone call at work from the company requesting payment for the bill. I spoke to a different woman this time and I asked why I was receiving the call ; she said the woman I spoke to earlier had removed my address from their system but not my telephone number. Since they called him on my work phone, the first woman I spoke with entered my work telephone number in their system. I asked them to remove my telephone number from their system. The woman asked me for my date of birth and I refused ; I will not give out my date of birth to a stranger on the phone. I offered to provide the ID number from the bill I received ( as this was sufficient for the first woman I spoke with ), but the second woman said she needs my date of birth. I asked the woman to tell me the date of birth they have on record for this bill and I would confirm or deny that the date of birth on record was mine. She said *it doesn't work that way* and I need to provide my date of birth. I told her this is not my bill and I would not provide my date of birth. She said they would continue to pursue payment of this bill and I need to contact a lawyer for legal advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: M&T BANK CORPORATION
State: AK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Paid off mortgage in full on XXXX XXXX, 2016, received a deed of reconveyance which was incorrect according to the State of Alaska Recording office. The Recording office sent it back with instructions on how to do it correctly on XXXX XXXX, 2016. I have still not received the corrected deed of reconveyance from the mortgage company and neither has the recording office. It has been almost two months.

Company response to consumer: Closed with explanation