BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-22
Company: EQUIFAX, INC.
State: IL
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 received an email from XXXX XXXX XXXX on XX/XX/2019. I filled out a web form requesting a rate for a conventional loan. A loan officer contacted me and I gave him my information for a conventional loan. Much of the conversation was about him trying to get me to apply for an fha. I stated numerous times that I was already approved for an fha mortgage and that I did not want to consider an fha application. The loan officer stated that it didn't matter and that he could check on a conventional. After pulling my credit report he said that he could not qualify me for an fha for the amount that I wanted and I should not trust the preapproval 's I have received from the other lenders. Regardless that the other lenders have approved me based on verification of my assets and income and have been approved by underwriting. I said I didn't want to apply for an fha and that I would not be moving forward with their company. I filed a dispute with credit dispute with XXXX XXXX   for the credit inquiry. The credit inquiry did not harm my credit score but the fact that this company requested an inquiry for a loan product ( conventional ) that they were never had the intent to approve me for I requested that they remove the inquiry from my report. I received a letter from XXXX XXXX with a response from XXXX XXXX XXXX XXXX through XXXX XXXX from XXXX XXXX. The letter states that I applied for a mortgage over the phone with XXXX XXXX and that I gave verbal authorization for the credit report authorization. He further states I withdrew the application as they were not able to approve me for the amount that I desired. The truth is that I was applying for a conventional loan but the XXXX mortgage forms that they sent to the response has FHA checked off. In the box for assets it shows how much I had for a down payment and closing which was much larger than what I had stated I would use for the loan early in the process. Reason I withdrew was because that they were not offering the product I had requested I did not want to pay the fees involved with an FHA I could have increased my down payment to meet a DTI requirement. The false information that was being relayed from XXXX XXXX ( bait and switch tactics ) and I could not trust him nor his company is the reason I withdrew my application. If the web forms that I used to inquiry were to be reviewed or if the phone conversation was to be listened to if it was recorded it would be evident that I was applying for a conventional loan and that I declined due to being offered an fha.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Bayside Capital Services, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/17 a debt collector named XXXX contacted my mother in law, who is the mortgage owner of the house I live in. He asked her about my rent payments and then told her not to expect payments from me in the future because he had legal documents for me. When I called back, I was told it was a debt from Arkansas, when I asked for written information I was hung up on. I called back and someone else said they would email info and I never received it. I told them they are violating debt collection practices and I felt like they were trying to scam me out of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Phone Numbers listed are not my phone numbers nor do I no how they was obtain. 

Numbers showing are not right I have sent a copy of phone numbers that belong to me. It makes no sense that all these numbers on my credit file. I do n't own no toll free numbers as transunion is showing. 

I 'm filing with the FTC as well to the issues with Transunion on this problem. I have listed my numbers and numbers that have belong to me in the last 3 years the rest are not my numbers. 
I need proof from trans union to prove the numbers belong to me in my name. I need proof from what ever phone company that Transunion is showing on my credit file that it belongs to me. 

I have a copy uploaded to XXXX from the phone company bill. Transunion has XXXX that is not my phone number.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 2018-02-27
Company: AES/PHEAA
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: Account information incorrect

Complaint:
Please know after successfully completing a 60 month, 5 year pay plan for my XXXX XXXX XXXX. My case was officially recorded and XXXX on XX/XX/2017. 

Dept of Ed / XXXX XXXX was a creditor in my case as was paid a claim of {$11000.00} as part of the bankruptcy settlement. This information was confirmed by the courts stamped and recorded proof of claim ( POC ), and the courts Interim Final Report ( IFR ). 

I can not get XXXX XXXX to do a proper and accurate accounting of the {$11000.00} paid to them per the XXXX court documents. 

They say the have not been paid. However, the court documents say they have been paid as proof in the Trustees Final Report. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have an account with Chase Bank. I added my daughter as a student and created a student checking account ( She is XXXX ) and with no service fee. From last the two months, Bank started charging a service fee of {$12.00} monthly. When we contacted the Chase bank, they could not give a clear answer to why this happened. They said they will investigate and reported back in 2 business days. I am a bit concerned about the accountability and transparency of Chase bank. I want to ensure that this does not happen to other customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-19
Company: CITIBANK, N.A.
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : CBNA XXXX XXXX - XXXX  - XXXX  CITIBANKNA XXXX XXXX XXXX/XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX  XX/XX/2020 XXXX  XXXX  XXXX XXXX  XX/XX/2020 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 2018-06-07
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
FHA XXXX I need to understand if there was an FHA HUD claim filed. I'm showing a claim date in this document of XX/XX/XXXX a sale date of XX/XX/XXXX and a transfer servicing date of XX/XX/XXXX the sales price reflects {$49000.00} while the claim amount shows {$150000.00}. so was the mortgage insurance insurance premium paid to the investor which was HUD? If so and they sold this note to the current investor for {$49000.00} how is the new servicer roundpoint mortgage now seeking over {$260000.00} for this note? A XXXX XXXX has been filed. If a mortgage claim was filed in HUD US Department of Housing and Urban Development and FHA received the mortgage claim funds and the servicer bid on the Note how do I owe them this money? I want an investigation open so that I can clearly understand if I've been violated as a homeowner and a note holder of an FHA loan. This loan has been in default or in trouble since XX/XX/XXXX which was just a year after the note was purchased I've gone back and forth with US Department of Housing and Urban Development FHA the Consumer Protection Finance Bureau in any other government regulatory department to get help. I'm exhausted at this process I have over a hundred emails to State local and government agencies trying to get this issue resolved and now I would like to file suit with the US Department of Justice. I'm wondering how many homeowners in an urban demographic has been treated this way and if there is a double standard with HUD US Department of Housing and Urban Development and FHA. Are they selling the note making a profit as well as receiving claim money for the mortgage insurance? How many FHA loans are orginated to prodominely XXXX, XXXX Borrowers that end up in default and purchased by Private Investors. MERS information is inconsistent as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX all are card I had not used someone is using my cards I'm XXXX years old Please remove this late payments from my card I asked the card companies several times. Im in a XXXX home. I have my nurse  help me with this. Im too old and sick please help remove this information they are taking advantage of me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''. Please remove it from my credit report. Credit Bureaus have had 90 days, which I have given you more than enough time and 3 dispute letters were sent to resolve this and you have failed. Now it is time to DELETE the accounts per the FCRA

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 2018-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, I submitted a complaint to your company and the status was closed. This portfolio Recovery has sent to me a form for identity theft, I havent filed any police reports due to my information being used years ago a freeze was put on my credit file bug that was only good for so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
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 status incorrect

Complaint:
I recently pulled a copy of my credit report and to my surprise I noticed that you are reporting inaccurate data- such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULITPLE MONTHS IN A TOW WHEN AN ACCOUNT CAN OHNLU FO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECITON EACH MONTHYOU HAVE REPORTED THESE ACCOUNT INACCURATLEU LONG ENOUGHREAGING OF AN ACCOUNT IS A MISREPRESENTATION OF MY CREDIT HISTORY.. SO DELETE THESE ACCOUNTS NOW!!!!!! PLEASE!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: CarMax, Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 use XXXX XXXX to periodically check my credit score and when I checked it around the middle of XX/XX/2020 I noticed that a collection agency ( XXXX ) that I paid off, was saying I just made a payment not a pay off, which would reflect differently on my credit score. So I made a dispute with TransUnion. At the time of the dispute my credit score was around XXXX, about a week later my credit score jumped to XXXX, so I thought the problem was fixed. Then around the first week of XXXX, I noticed my score dropped 12 twelve points on the TransUnion side. When I tried to check on what happened on the TransUnion site, it simply says that periodically adjustments are made. I am concerned that I might be Getting retaliated for putting in a dispute in the first place.

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 2018-02-27
Company: LDF Holdings, LLC
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2017 I took an {$800.00} loan out from XXXX XXXX XXXX XXXX. The percentage rate they charged was XXXX % for the 1st loan and XXXX % for the 2nd loan On XX/XX/2017 I took a {$1500.00} loan out from the same company. 

Ultimately the {$800.00} loan cost me {$1800.00} and the {$1500.00} loan cost me {$8100.00}. 

After doing some investigation, I discovered that payday were were illegal in the state of CT and loans were capped at 12 %. In addition, lawmakers were going after the tribal loan company for their practices. 

XXXX XXXX XXXX XXXX is not registered in CT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I mailed off a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: EQUIFAX, INC.
State: NY
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:
It's time to stop Equifax from being a credit reporting agency! they are constantly lying, and not responding ending dispute investigations on their own discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: EQUIFAX, INC.
State: MD
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:
PUBLIC RECORDS Credit Factor Account Info Reported on XX/XX/XXXX Discharged XXXX Credit Factor Account Info Reported on XX/XX/XXXX DISMSD/CLSD XXXX Credit Factor Account Info Reported on XX/XX/XXXX DISMSD/CLSD XXXX Credit Factor Account Info Reported on XX/XX/XXXX DISMSD/CLSD XXXX Credit Factor Account Info Reported on XX/XX/XXXX DISMSD/CLSD XXXX Credit Factor Account Info Reported on XX/XX/XXXX Discharge How can dismissals be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Looking over my XXXX credit report i noticed that XXXX XXXX is reporting negative information about an account that was paid in full and closed. I have talked to XXXX and they are staying their records are showing that everything is reporting correctly with no negative marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
paypal close my account for no reason and not get help me for gettingit back up ans going.. iam not sure if this some mistakes as i assumed it has to be i have not been able to get help from them for months but i just remembered i could f ile a report from here as i feel they are they are not doing thei job properly and it is effecting me a great deal as i use PAYPAL quite frequently my EMAIL linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: JPMORGAN CHASE & CO.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Debit card was used at a Casino on XX/XX/XXXX for {$590.00} and then at Chase Bank in XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXX at XXXX XX/XX/XXXX for {$980.00}. I was in XXXX at the time and called immediately Chase fraud when the charges came as an alert on my phone. I asked to block charges and they said it will be done. Next day the chars were posted. I submitted a dispute with documentation that showed I was in XXXX, XX/XX/XXXXat the time of the charges. A detective has been assigned and is investigation as they will press charges against that person. 

I received refund for the {$500.00} for the XXXX XXXX fraud, but never for the {$980.00}. A police complaint was filed with the XXXX Police Dept. Chase escalated to Executive office and indicated that card had chip and pin thus it could not have been fraud. I am trying to get video which Chase refuses to provide. I never received anything in writing from Chase only a call. 

This was clearly fraud and Chase refuses to help in any way

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have been a long-time American Express card holder with an exemplary credit standing. 

I have two cards that earn Membership Rewards. In January, I made some large catering purchases which earned me Membership Rewards points, and made full payment soon after. 

Today ( XX/XX/XXXX), I tried redeeming some of my Membership Rewards points, only to see this on the screen when I tried to submit : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' What's critical, is that these points were Available points, which by American Express 's Terms and Conditions, mean they are fully available for me to use. In fact, American Express has a pre-Available status for points called Pending, where they are presumably reviewed and held prior to being Available, thereby proving Available points actually are available points. 

I contacted via chat Amex today to ask for a status or know when I could use the points I earned and was entitled to use, and both the initial agent and the supervisor refused to provide me with any information or escalate this matter internally. The supervisor even confirmed there was nothing unusual with my account that he could see that would warrant an inability to use the points I earned. 

** I am asking for American Express to expedite and complete within 7 days any " review '' of my Membership Rewards points, and make the points that were earned and are Available, actually available so I can transfer them to a hotel partner. If I don't have all the Available points today actually available at that time, Amex should be investigated for refusing to run and honor their reward program as advertised.. 

Because of the 30 minutes I've invested in chatting with two Amex representatives, I refuse to waste any more of my time since it is clear the company is structurally unresponsive -- plus there is nothing I can add to any discussion, as Amex has already reviewed and has full access to my accounts anyway. 

I could have used a card with a competitor of Amex who has a similar reward program and honestly provides points to be used without this shady " review '' Amex is apparently randomly doing to prevent points from being used as a customer has earned -- especially once those points have already passed a lengthy review process and are in fact showing as Available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: PNC Bank N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Looking over my XXXX credit report i noticed that PNC Bank is reporting negative information about an account that was paid in full and closed. I have talked to PNC and they are staying their records are showing that everything is reporting correctly with no negative marks.

Company response to consumer: Closed with explanation