BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-19
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
We sold our home on XX/XX/XXXX and had a mortgage with Chase Bank. We were currently on the Covid 19 Forbearance program which we believe we were approved for in XXXX of XXXX. We have moved into a temporary rental home with hopes to purchase our next home soon. 

We had just applied for a new mortgage approval as there is a few homes we are looking to make offers on, only to find out that Chase has us reported as being 120 days past due even though the report also states the loan was paid off. This reporting, is now preventing us to be approved for a new mortgage. 

We have notified Chase and was told that the forbearance program was not started until XX/XX/XXXX so worst case scenario we would have only been 30 days late. At the time we applied and was given the approval for the forbearance we were told this would not affect our credit. They had agreed that there was a mistake with the 120 day part and would try to have that fixed but could not guarantee they can fix the 30 day part. 

We have been faithful mortgage payers since XXXX and have never missed a payment or have been late on any mortgage payment ever on all our mortgage accounts. If we knew that we would have been affected, we would have borrowed money to make the last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 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 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 2020-10-25
Company: EQUIFAX, INC.
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:
Two companies under my name shown on credit reports. Equipment, credit cards, loans, mortgages,. This been going on for 17 yrs 6 months. I did complaints. I let Equifax that my identity theft fraud. I still havent got any answers. I reported this XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an Old Navy credit card and was sent a letter of denial. The reason stated for the denial was " You had a credit account recently closed by Synchrony Bank ''. There was no credit report pulled because they did not list one on the denial letter. They did not include any information on the denial letter for me to dispute the denial. 

I haven't had any accounts that were my responsibility with Synchrony Bank that recently closed. 

I was an authorized user on some Synchrony Bank accounts that were closed. 

I feel as if they didn't give my application and fair and reasonable review.

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 2022-10-04
Company: Consumer Portfolio Services, Inc.
State: NC
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:
My car was totaled in XXXX of 2020. At the time of the accident, I owed {$13000.00} on my vehicle. The full amount of {$13000.00} was paid by my insurance company ( see attached the settlement statement ). I pulled my credit report recently to find a charge-off balance of {$2100.00} from XXXX XXXX XXXX XXXX with late payments. This false information has been on my report for two years and has no doubt caused me to be denied for credit and to have high interest rates on credit that was extended. Attached is proof of the settlement breakdown, a screenshot of all 3 credit reports, and snapshot of the check number issued from the XXXX XXXX coverage. Please resolve this matter immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Receivable Management Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receivable Management Inc. has reported a negative item on my XXXX credit report which is inaccurate as XXXX XXXX and XXXX do not report this information. I asked the company to validate the debt and they sent me an invoice from XXXX XXXX XXXX which show multiple tests with my name as the patient but I did not receive these tests. 

There are NO documents with my signature, drivers license or requests for any of the tests on this sheet which total {$790.00}. 

There is no outpatient information showing any results of these tests nor any treatment information on the sheet which I requested to validate the debt. This debt is not valid. 

Please remove this debt from my XXXX credit report immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
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: Information belongs to someone else

Complaint:
Date : XX/XX/2014 Amount : {$500.00} Action Taken : I ASKED FOR THE AUTHENTIC CONTRACT OR APPLICATION THAT CREATED THIS ALLEGED DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: TN
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 account is FRAUDULENT / FRAUD. 
On XX/XX/XXXX at XXXX XXXX someone opened a fraudulent account in my name. 
This account is unauthorized and not of my knowledge. I reached out to XXXX XXXX to dispute this claim directly with them but the account remains on my credit report. 
I have been disputing this negative account since XX/XX/XXXX with a total of about 5 phone and online disputes and maybe 1 direct letter sometime after that through Experian. Experian keeps saying this : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. In every dispute I requested validation of my signature and documents pertaining to this fraudulent account that Experian insist is accurate. Experian has yet to provide me with any of my requests as my credit remains AFFECTED. This is also my second CFPB report containing a complaint about this same exact fraudulent account. If Experian can't provide a transparent method of verification showing the accuracy of this fraudulent account in my name through XXXX XXXX with my signature on legal documents THIS ACCOUNT NEEDS TO BE DELETED AND REMOVED from my credit file / report. This a VIOLATION of FCRA laws.

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 2020-11-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My laptop was stolen from a XXXX on XXXX XXXX. On XXXX XXXX I realized that my bank login information which was saved in my laptop was used to do a wire transfer on XXXX XXXX for {$5000.00}. 
I called chased fraud department and they asked me to fill out the frogery packet and fax it. They also changed my username and password for security. The wire transfer made on XXXX XXXX wasn't authorized by me. After send frogery packet, they declined my claim saying that I didn't take enough measures to save my account. Although I did everything they asked me regarding to save my account information. My username and password was changed. Since I wasn't in United States they advised me that I should my account number once I am back in US. I should go to any Chase bank branch and change my account number, but this was after I am back in US. I have also filed police complaint about my stolen laptop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: U.S. BANCORP
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2013 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Transunion XXXX. XXXX  XXXX XXXX, PA XXXX Dear Transunion XXXX XXXX, This letter is a formal request to remove ( 15 ) unauthorized inquiries from my credit report. I did not authorized. 

XXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX A Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

Sincerely, 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 2020-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was offered forbearance by BOA by email and was approved for 3 months ending XX/XX/2020. I was promised under CARES that I will get up to 180 days extension once this period is ending, but BOA is not approving my forebearance extension for over 2 months now in flagrant violation of XXXX and CARES guidelines.

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 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm unsure as to what this account is about. There's also a report date of XX/XX/20 on my report that is incorrect and false. Please do not respond with an automated message.

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 2021-04-26
Company: Blackhawk Network Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My sister and I went to a XXXX XXXX in XXXX FL to buy a {$200.00} Visa GIFT CARD. She owe me {$200.00} so she bought the Gift Card with her credit card and gave it to me. I tried to use the card few days later but was not able to do it because the available balance was not {$200.00} but {$0.00}. I went to XXXX in total disbelief to make the claim and the manager told me to contact the card. 

The card had the VISA logo so I called Visa but they said they have nothing to do with it. 
I called the number behind the card, the representatives only spoke XXXX, it was not an easy process but after few attempts I finally received some paper work by mail to start a dispute, filled it out, sent it back but did not hear back from them again. I tried to call in different occasions ( there's no phone number available for their dispute department, so you need to wait for someone from the number listed on the back of the card to transfer you, then the call would drop. 

I realized then I was dealing with a irresponsible company that clearly knows they have a glitch in their system and do not allocate resources to fix it. 
I was so aggravated and mentally distressed for having to go through such experience that ended up giving up on my {$200.00}. 

They try to delay and complicate the dispute process making it difficult and sometimes impossible for the affected party to get their money back. They ask for a receipt knowing this is a GIFT CARD and chances are you will not have the receipt. 

This way they get rid of a lot of claims transferring their responsibility to guarantee funds on the Gift Cards to the person that got the Gift Card because they will most likely there's no proof of purchase.

I still can not comprehend how a brand new VISA GIFT CARD has no available funds but they are very much aware they have a broken system and they should be obligated to disclose that the gift card being purchased may have no funds available. 

They know whats going on and the consumer should be protected from Companies like this one. They shouldnt operate unless they guarantee that if you buy a gift card for X amount of money, the money will be available. 

The Company name is apparently XXXX XXXX XXXX and they are located in XXXX, NV. Non of that info is available on the card, and they are probably aiming to certain demographic that doesn't know their rights or will do little to claim the money lost. 

This claim started in 2019. I did give up on it but I was going through some archived paper work today and found a replacement gift card ( obviously with no funds ) and thought it is unfair to me a any consumer to trust a US company with the VISA Logo to later realized youve been fooled. It is unfair to loose your hard end money to a company that shouldn't be in business until they guarantee the funds for the Gift Cards they sale.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-08
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I have errors and inaccurate information on my Equifax Consumer Credit Report. I have disputed these accounts as being inaccurate, and Equifax had responded by stating they were able to verify these accounts. I requested information about these accounts specifically I requested physical proof to verify account information. Never received requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I originally closed my home loan with a company called XXXX XXXX. My husband is a XXXX vet and we received a VA loan. My loan was sold twice since then. When Amerihome my second lender sold my loan to XXXX XXXX my third lender, I was not aware and I inadvertently sent my payment to Amerihome. When I contacted my new lender Amerihome and told them about my concern they told me to get in touch with Amerihome they told me they will hold my payment for approx 60 days before refunding it to me. Meanwhile my new lender XXXX XXXX  is saying I am late with them and there is nobody and who can give me an exact time frame as to when I will receive those funds again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: RR Resource-Recovery
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i paid this debt and RR Resource Recovery, XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, refuses to remove this debt off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I Have an account with Capitol One in Maryland XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX Tel No XXXX Account Number XXXX Routing number XXXX A withdrawal was done from my account. Contacted bank for more information. Bank indicated that the withdrawal funds came from XXXX. Advised bank that I only go to XXXX to search for friends not to purchase anything. In fact I did not know that you can buy goods at XXXX. Indicated bank to do an investigation. Bank refunded the funds before investigation took place. At a later Bank informed that they are taking funds again because they found that the funds came from XXXX. Bank refuses to give anymore information. I have not purchase anything In XXXX. Requested more information. Bank indicated that the charges are from XXXX no more information. I have a negative balance in my account. I changed account for another many incidents in the past that I will send a complaint after this one. If you need anymore information please to XXXX [

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
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: Account information incorrect

Complaint:
ON XX/XX/2019 I SETTLED 3 ACCOUNTS WITH XXXX. BOTH XXXX  AND XXXX XXXX ARE REPORTING THE ACCOUNTS CORRECTLY EQUAFAX HOWEVER IS STILL SHOWING 2 OF THE ACCOUNTS OUTSTANDING AND DESPITE MULTIPLE DISPUTES REFUSE TO CORREBT THE INACCURAT INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EdFinancial Services
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Received letter from supposedly student fianacual aid. I called the number as it had all my loan informatio ln on the letter. Once I called they asked me several questions about my income and employer. I did provide with my drivers license and address. However once they requested my bank information routing and all that information I hanged up as I thought it was scam. They wanted me to start making payments for reason they wanted my bank information. The number the letter had was XXXX I spoke several times to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
For the past 7-8 weeks US Bank ' Debit Reliacard locked my card for absolutely no reason. They said I tried to change my address which I keep telling them repeatedly that I have not changed my address information, I have lived here nearly 3 years. So they keep asking to see my ID and I tell them I don't have one, I have always been self employed by my father and never needed one. Which they don't have a right to ask for an ID in the first place considering their website says you only have to send a photo of your ID if you verbally verify that you tried to change your name, or address, or birthdate, or social security number. I log into my account and of course all the information is the same as it was when I got the account in XXXX. I even sent them a photo of a piece of mail I received XX/XX/XXXX from the IRS with my address, last four numbers of my social and my name.. They said that was a good enough reason to believe I never requested an address change and the card would be unlocked today. Sure enough, I call back and it's more violations and more fraud on their end. I usually end up talking to the same female, she once said she was a manager.. And then today she says she isn't.. her supervisor or manager is not there. I recorded these past two conversations. I literally made 4 transactions with the card and they shut it off for no reason and can't seem to give me a valid reason at all why. They just keep lying and violating their legal policies posted on their website. I have 4 kids and a broke down vehicle and I can't access money that belongs to me. They have been doing this to several thousand innocent people who really need access to their money right now. Please help my family. 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