BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 NEVER WENT TO XXXX XXXX UNIVERSITY. 
IT IS SHOWING TO ACCOUNTS ON MY CREDIT REPORTS ON ALL THREE CREDIT BUREAUS AND FROM XXXX, ACCOUNT # XXXX AMOUNTS {$1900.00} {$85.00}

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 2020-12-10
Company: EQUIFAX, INC.
State: TX
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 filed a Chapter XXXX bankruptcy petition in XXXX 2013. Per federal laws, the public record can only remain on the credit report for 7 years from the filing date of the petition. I have disputed the public record to no avail. I then tried disputing via telephone and the agent argued and would not accept my dispute request because she said they would not remove it. I have now been affected adversely in many regards and the public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CONTRACT CALLERS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018, CCI together with XXXX XXXX placed a collection in my name for {$68.00}. I did not have utilities with this company. I am unable to validate this debt & have reason to believe it is FRAUDULENT. This debt 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 2023-05-11
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Never received my XXXX XXXX  cards, reported them stolen and filed disputes on ALL debit transactions of 2 accounts. XXXX XXXX  continues to deny disputes when I still have not ever received any cards!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/2018, I had an issue with my tire and needed to obtain proof of additional products purchased ( Road Hazard ) to get assistance in the current city I live in ( XXXX, FL ). Due to me not having the documents needed, I tried to contact XXXX FL XXXX and my calls was never returned and when I got through to Sales I was denied assistance. 

I then reached out to corporate and made a complaint ( XXXX # XXXX ) and requested to cancel my XXXX XXXX extended warranty and additional products purchased through the dealership ( GAP and Road Hazard ). XXXX XXXX promptly processed my request to cancel my extended warranty ( Case # XXXX ) but I am still having issues cancelling my GAP and Road Hazard because the XXXX FL dealership is giving me the " run around '' to process the request. 

Due to the numerous issues I am having with XXXX and being tied to a vehicle loan, I only wish to pay my car loan and obtain other business needed with another company ( GAP/ Road Hazard ). 

On XX/XX/2018, I spoke with a specialist at XXXX  named " XXXX '' and left a voicemail explaining the issues with this dealership but I do not know what else to do. I will not and find it ridiculous that I drive or complete the process through mail with the dealership. I have done ever other request via phone/ electronic and I wish to proceed that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: JPMORGAN CHASE & CO.
State: GA
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:
I made a payment on my Chase Slate VISA credit card account in the amount of {$9.00} on XX/XX/XXXX, which XXXX the account. I should have received a statement showing that payment on XX/XX/XXXX but no statement was produced. I E-mailed Chase several times starting on XX/XX/XXXX and they tell me they do n't produce a statement on XXXX balance accounts. But whenever there has been any activity on a credit card, the credit card company should be sending a statement showing that activity and most do. I keep complete records for all my credit cards and credit accounts. When applying for credit, such as a home equity loan, creditors require copies of my credit card accounts, especially showing XXXX balances. The last correspondence I had from Chase was on XX/XX/XXXX, from Senior Service Specialist " XXXX '', again refusing to send my statement either in .pdf format online or hard-copy via surface mail. This is spite of the fact that looking online, I can see my payment transaction listed there for " XX/XX/XXXX statement ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX has numerous inquiries on my Equifax ( XXXX XXXX XXXX XXXX ) report. Also an attorney has requested information on my employment. I do not nor did authorize them to inquire on my report. Unless they have my approval I want No one looking at my employment history Furthermore XXXX XXXX  never had my authorization to report back in XXXX nor did XXXX XXXX  have my permission in XXXX The only place is XXXX XXXX and I want top limit my report to just 1 year of reporting not 4 years of bimonthly salary. My salary should never be available for the world to see I tried to call Equifax workplace 4 times and they had me on hold for an hour each time which is unacceptable as well I want all items over 1 year cleared from my account along with and inquires by unauthoirized people denied concerning my XXXX   XXXX XXXX Account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
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:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2020-11-20
Company: JPMORGAN CHASE & CO.
State: NJ
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: Overcharged for something you did purchase with the card

Complaint:
The company XXXX XXXX charged my Chase credit card for {$7000.00} and I do not have the products charged for. I have requested a refund and the company is refusing to reverse the charges on my credit card. The company is making false claims about turning over the deliverables. Even with these false claims, the company also has a satisfaction 100 % money back guarantee and is also refusing to comply with this policy and return the amounts charged to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an account with Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX, XXXX, XXXX over 5 years ago. Account was opened when I leased my first XXXX XXXX thought my dealership, XXXX XXXX in XXXX, VA on XX/XX/XXXX. My car was a total loss and my GAP insurance paid off the remaining balance in full. Account was completely closed on XX/XX/XXXX. Only now trying to get a better apartment I checked my credit score and this company keeps reporting some balance that does not excist. It has been ruining my credit this whole time and that is unfare. 
I contacted Santander over 4 times. On XX/XX/XXXX I spoke to an agent XXXX ( ID XXXX ), Alter he confirmed with his manager that the amount will be removed and I will be receiving a Paid in Full letter via my email within next 4 hours, I did not get it. I called again on XX/XX/XXXX and spoke with an agent ( ID XXXX ) asking why I did not get the letter like they promised. All I was told that the request was submitted again and I will get it. 
Still nothing and I called again on XX/XX/XXXX and spoke with an agent ( ID XXXX ) who stated that the email on file was incorrect. I have been confirming it multiple times and I was told to wait again. Called again on XX/XX/XXXX and spoke with ( ID XXXX ) who stated that her screen is frozen and she can not assist me. The calls should be recorded by Santander so please investigate this company who should not be in business. I have no time to spend another hour with them and get absolutely nowhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Rushhmore Loan Management Services we dont owed any mortgage payment. They bought the loan mortgage from XXXX XXXX XXXX and XXXX XXXX XXXX  said there is outstanding balance of {$5500.00}. 

XXXX XXXX XXXX claimed that we have outstanding balance on loan mortgage payment in the amount of {$5500.00}. This alleged outstanding balance had no support whatsoever. Please see the documents that I sent via certified letter of which your office signed the return address of certified letter last XXXX XXXX. FYI and record too 4 times said documents were faxed via fedex fax machine and the receipt I got it is ok. This means the six supporting documents were delivered to your office and when I called your office the staff I talked to said no documents were received. The question why on four attempted faxed the documents your office staff said no documents were received? So certified a letter with return address of which your office signed the certified letter return address last XX/XX/2020. Please use said documents because it is very clear on said loan mortgage statement that we dont owed any money from XXXX XXXX XXXX. 

Please see my previous complaint and reference number are XXXX XXXX XXXX and for Rushhmore Loan Management Services XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We filing this complaint to clear up an on going issue that Select Portfolio Mortgage Servicing has failed to correct dating back to XXXX and XXXX. In reviewing billing and payment history posting errors are noted and because of this they are claiming missing payments. We have talked to them on several occasions and was told to send copies to correct it and it has not been done. They recently transferred us to a new Mortgage Company call XXXX XXXX XXXX  and this amount they claim is owed was transferred to them. I have spoke with XXXX XXXX  XXXX and they told us to get Select Portfolio to correct this amount and they would have to cleared up with them. Otherwise the amount will stay as is. The amount amount we deputing is {$1200.00} which is two payments. In reviewing there payment history it is note that two payments were made and Select Portfolio posted them but went back and debited them back. This issue took place on XX/XX/XXXX and according to our records no payment was missed but some were sent in late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am a VICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within my Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit :

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 2018-10-03
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:
inaccurate information reported to all 3 credit bureaus, submitted ftc and po reports already, over 45 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I came into Chase Bank, I wanted to open a savings account and this employee informed me she NEEDED to run my credit to see IF I qualify for a saving account. she asked me for my social security and she said it was going to appear as a hard inquiry. I told her i wasn't requesting a credit card and there was no reason to run my credit. She was absolutely rude and belittling. After I informed her I work at a bank and I know there is no need to run or do a hard inquiry on my credit to simply open a savings account she proceeded to try and do the account anyway running my credit. I asked her not to and to return my id and social security card. I am unsure if she did open a saving or credit card without my consent. 
Bank address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, employee name XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage servicer ( Pennymac ) is in clear violation of 12 CFR 1024.17. Pennymac is illegally withholding a significantly larger tax escrow payment then allowed under 12 CFR 1024.17 ( c ) ( 1 ) ( i ). I contacted Pennymac in XXXX and XX/XX/2022 and they have failed to reduce my monthly escrow payment, even though documentation was submitted to Pennymac to support the correct escrow amount. 

The loan originator estimated my annual property taxes at {$14000.00} ( {$12000.00} annual taxes + {$2000.00} selected reserve ). The monthly escrow payment is {$1000.00} of which approximately {$1000.00} go towards the estimated tax payment. 

The 2022 actual tax amount is {$5200.00}. Pennymac has knowingly collected at least 238 % of my actual annual tax payments. Under no circumstance is Pennymac 's escrow analysis reasonable, nor consistent with 12 CFR 1024.17 ( c ) ( 1 ) ( i ) or ( c ) ( 7 ).

As this property was a new build, the Loan Originator and Pennymac have an obligation to " In cases of unassessed new construction, the servicer may base an estimate on the assessment of comparable residential property in the market area. '' 12 CFR 1024 ( c ) ( 7 ). Armed with appraised value of {$740000.00} and known published millage rates for the areas, the Originator grossly failed to comply with 12 CFR 1024 ( c ) ( 7 ) by estimating an outrageous home value or clearly wrong millage rate.

My mortgage payment is approximately {$700.00} higher than it should be, solely due to this escrow issue. Pennymac refuses to update my escrow account and return to me the monies that they are in illegal possession of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/XXXX and XX/XX/XXXX, sent dispute letter to Transunion requesting evidentiary documentation to verify an existing debt with multiple companies. Transunion failed to provide requested documentation as require by FCRA, Section 609. Please see attachment.

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 2020-05-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XXXX credit reports equifax, XXXX, XXXX  shows I owe money to XXXX XXXX XXXX  opened on XX/XX/2019 for XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have 3 cards with Amex BlueBird 1 is mine, 1 for my fiancee ( with her name ) and Daughter her name on a family account she get her paycheck there. My fiancee has her unemployment check deposited on there. now we have no money. I have had Blue bird for 4-5 years with no problems until today. 
today XX/XX/XXXX I can not login. I tried calling they just keep hunting up and emailing me a general statement saying this below. This is not right I can not access my funds -- ( During our recent review of your American Express Bluebird Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement. 

As a result of such activity, and pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Tried to find out the negative point on my credit score since Equifax was much lower than the other two scores. They were VERY UNHELPFUL, the employee was XXXX, employee ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent a message to my loan servicer, Mr Cooper. In my message I asked them to waive an old late fee on my account that was invalid. I asked them to waive it because I was trying to pay my mortgage ahead 4 months but that late fee was preventing me from doing it. I sent them that message in XXXX. They proceeded to put me on a forbearance plan that I never asked for did nor did I need. I did NOT lose my job during the virus crisis. I was perfectly capable of making my payments and in fact was trying to pay ahead 4 months. When they put me on the forbearance I emailed and called them three times and told them to remove me off of the forbearance plan because I didn't need it and didn't want it. To this day, they still have not removed me. It's incredibly disheartening. 

I want to be removed off of the forbearance plan and I have tried numerous times tell them to remove me but they have yet to do so. I never signed any agreement to be on a forbearance nor did I ever asked to be on the plan. I understand that some people needed it because they lost their jobs but why would you force somebody on a forbearance who has a job and is able to make their payments? And it's unacceptable to disregard the numerous requests to be removed.

Company response to consumer: Closed with explanation