BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have paid our monthly payments flawlessly on time for nearly 16 years on a 20 yr loan. Recently, XXXX and XXXX of 2018, we paid our regular monthly payment one day early. Our payment was applied to " additional principal '', and the regular payment ( as stated on our receipt ) was listed as unpaid. This happened two months in a row, and we had no idea that it was happening until later. 
Just before this, we were late on our county taxes, and in spite of our negotiating with the county about a form that we had filed to check the amount of our taxes, finding that they had indeed over charged us for several years about 30 %, Chase bank stepped in and paid back taxes, and half of the upcoming year taxes. They then asked us to make payments ( amount due divided by 12 months ) to them for the back taxes in an Escrow account that they set up for that purpose. They did that same thing when we began to pay down the escrow amount ( as shown on receipt ), putting that down as " additional principal '', and claiming we had defaulted on the payment schedule. At this point, we have paid all of our regular payments on time, and 2/3 of the back taxes, and are current on taxes now. Chase has backed off on some demands, apologizing for their mistakes, and saying that they will issue another " escrow analysis ''. Each time they apologize and issue another analysis, this is 4 times now, each one with new ficticious figures claiming that we have missed two monthly payments, and would we like them to help us with our mortgage in jeopardy. We feel that the problem is easy to fix, and needs no analysis, only that they properly place the payments to reflect what the receipts say, which will show that we are up to date on everything. We can supply copies of receipts to show the discrepancy. We do not believe that this problem is because Chase Bank can not simply read their own receipts, but that they are attempting to force us into jeopardy by tricky tactics. They simply refuse to listen to facts, and talking with people on the phone after hours waiting that speak English only as a second language to explain difficult math issues is completely frustrating. I Believe that none of this repeated : " oops we made a little mistake '' stuff is not accidental.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX we completed the application with Chase Bank and paid the {$500.00} to XXXX   the mortgage process. The mortgage processor did absolutely nothing for over 2 weeks ; we were originally schedule to close on XX/XX/XXXX ; but since Chase did absolutely nothing for 2 weeks they fell behind and we had to extend the closing to XX/XX/XXXX. they just called me today XX/XX/XXXX and told me that they are requiring the oil tank in the house to be inspected. the cost to inspect an oil tank which includes an ultra sound will result in incurring additional cost. We are planning to exchange the oil tank ( from a 1,000 gallon tank current in the house to the standard 275 gallon tank. Appears that they are just stalling since they wasted over 2 weeks by not processing the application timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: ND
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:
XXXX XXXX XXXX is reporting an erroneous account on my credit reports that has been challenged to Equifax and XXXX. Both have claimed that the accounts have been verified even though the creditor has ceased to exist and has not provided the validation necessary to leave the account on my credit reports. 

XXXX XXXX XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
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:
I have several inquiries of XXXX and XXXX I would like for them to be removed as per my ex boyfriend was trying to get a vehicle and had my information but I never authorized the dealerships to run my credit. I tried to contact them and dispute but they didnt do a thing. So I would need these hard inquiries to be removed from my credit report.

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 2019-08-23
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: OH
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:
I am a victim of identity theft. I have lots of inquires on my credit that I did not authorize nor did I know about. These inquiries are affecting my score in a negative way. I lost my wallet last year which had my drivers license, social security card in it. I have 2 credit cards one is XXXX XXXX and the other is old nave which I am a authorized user for the XXXX  XXXX. My score was in the 700 's now it is in the high 600 's. Remove these immediately! I do not own a home, I do not own a car. The inquires in dispute are : XXXX XXXX/XXXX Inquiry : XXXX XXXX, 2017 + Supermarkets XXXX/XXXX Inquiry : XXXX XXXX, 2017 + Complete Dept. Stores XXXX Inquiry : XXXX XXXX, 2017 + Personal Loans Cos. 
XXXX XXXX Inquiry : XXXX XXXX, 2017 + All Banks XXXX Inquiry : XXXX XXXX, 2017 + National Credit Card Cos.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: WI
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:
Equifax 's data breach and loss has now put my SSN and all personal information at risk. It is impossible to talk past the automatic answering system. In addition, management thinks they did us all a great service by offering fraud and loss protection for a year for free. Here is my take on it. They make you sign up for it. It should be their job to sign everyone affected up automatically. It should continue until there is no longer a threat to our financial lives, not just a year. There should be serious discussion on how to fix the SSN breach, either a random number generator using alphanumeric to cross reference every SSN affected, or just issue new numbers using a new method. I am concerned about their lack of concern for me. Their take it or leave it attitude, especially since I did n't ask them to use their service, nor have I ever personally given them my information. The general public needs an advocate and your group can now show us all what your made of. Speak up, create change, and hold management responsible. Someone at the top should be fired, and many should be taken to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
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:
To whom it may concern, I am trying to get my credit report to be 100 % accurate. I have disputed several times now with all three bureaus and with each bureau I get the infamous response of verified as accurate. I am going to attach copies of the dispute letters that I have submitted and the evidence to support what I am asking. Items such as collection accounts showing a past due on my credit report which is a violation. The date of status or date updated are inaccurate and show me that the credit bureaus aren't even conducting an investigation at all so how can they say the verified as accurate? Monthly payment due on closed accounts and late payments showing after the account was closed and still reporting. These are all violations and because of this they should be on my report. I have disputed these specific reasons and still am not getting results. I am also have a issue with XXXX and XXXX   reporting my personal information inaccurately. I have provided them with the proper documentation but I still have more than one phone number listed more than one address and more than one full name listed. I should know what my information should be and look like so this shouldn't be a issue. I am also having issues with hard inquiries on my credit report that I have no open account that they could be attached to or my authorization to run my credit. I have not authorized anyone to run my credit for anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: Sessoms & Rogers, P.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
sessoms and rogers PA in XXXX north carolina sent me a default judgement letter. I looked at it and I tried to call them about this letter but they will not answer my phone calls. ive been making payments to them for the charged off XXXX XXXX  XXXX credit card. i made them stop taking money because they illegally took the money out of my checking account, forcing me to change my account information with my bank. also, they wanted me to sign a confession of judgement. i was going to sign it but i fell ill. i am suffering from major health issues from the XXXX XXXX. so i get hindered a lot from going places and doing things. i guess they took this as a sign that i didnt want to sign it. so they put a default judgement out against me. i called them multiple times, at least 3 days in a row this week but they wont answer me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2019-08-23
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They called my mother looking for me. When she told them they had the wrong number the Collector told them they were calling in regards to a debt owed. My mother is not a cosigner and I am over the age of 18 and was when the debt they are referring to was incurred making this a privacy violation of the Fair Debt Collection Practices Act which clearly states a debt collector can call your boss, your friends and your family looking for you but the debt collector cant tell them that theyre calling to collect debts. I was told by a supervisor that they would speak to the person my mother spoke to and educate them but we both know places like this sweep this kind of stuff under the rug and rarely expect people to actually take the time to file a report.

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 2019-02-19
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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern, I am trying to get my credit report to be 100 % accurate. I have disputed several times now with all three bureaus and with each bureau I get the infamous response of verified as accurate. I am going to attach copies of the dispute letters that I have submitted and the evidence to support what I am asking. Items such as collection accounts showing a past due on my credit report which is a violation. The date of status or date updated are inaccurate and show me that the credit bureaus aren't even conducting an investigation at all so how can they say the verified as accurate? Monthly payment due on closed accounts and late payments showing after the account was closed and still reporting. These are all violations and because of this they should be on my report. I have disputed these specific reasons and still am not getting results. I am also have a issue with XXXX and Transunion reporting my personal information inaccurately. I have provided them with the proper documentation but I still have more than one phone number listed more than one address and more than one full name listed. I should know what my information should be and look like so this shouldn't be a issue. I am also having issues with hard inquiries on my credit report that I have no open account that they could be attached to or my authorization to run my credit. I have not authorized anyone to run my credit for anything

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 2019-02-19
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good afternoon, I received a call from two phone numbers today. First, XXXX, stating her name as XXXX and that I was on her list for being served in the next two days. She left me a number to call back, XXXX. When I did, I spoke with someone named XXXX, XXXX, I couldn't quite understand her name. She had my full social security number, full name, and stated I owed over {$3000.00} to US Bank and that I would be served, sued, and even possible jail time in the next two days. She also  mentioned that the previous call from " XXXX '' shouldn't have happened and it must be her " first day on the job as we were not supposed to hear from her, it was just supposed to be a surprise when my paperwork showed up. '' What?? Not my kind of surprise. I haven't held an account with US Bank in close to 7-10 years. I do not have any delinquent accounts with this company. When I asked her to state her name and place of business again, she claimed she worked for XXXX? And that they barely make any money off small accounts like mine, it was mostly big real estate deals, and then she said she would see me in court and hung up. I am concerned because of the information she had about me. This is just ludicrous.

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 2019-02-19
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
on XX/XX/2019 i emailed and faxed mr cooper my loan modification application and was told by mr cooper that they will not review my application due to a foreclosure sale date on XX/XX/2019 their website does not say that package had to be received 45 days prior foreclosure sale date please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions 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:
Someone fraudulently opened a XXXX credit card under my name. I did not open any new accounts or have my credit checked. I contacted XXXX and they closed the account. I told them to remove that fraud from my credit report. I then disputed the fraud on my report with all 3 credit bureaus and XXXX twice now just says they verified the account information. It is not me and i want this fraud removed ASAP

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 2023-04-06
Company: CAINE & WEINER COMPANY, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called both the third party and XXXX to handle this issue in the most respectful way and I did not receive the same respect in return. The company is saying I owe XXXX XXXX for policy cancellation and return payment back in 2018. My policy was cancelled twice because of proof of garaging that was not sent in the first time. I wasnt sure at the time what that meant or what happen so after that I started the policy back up and paid again to get it back for it to get cancelled because of the same thing to later find out the they meant proof of address. So now they tell me it was because of a payment return and that they still insured me but as I told the rep on the phone I have no knowledge of a return payment or anything and I told them it was still no reason to put it on my credit. The information they have on file for me was incorrect so I never received an email I only received mail that said cancellation due to proof of garaging. They would not listen to me or work with me in anyway so I decided to take the next step.I also asked for supporting documentation of anything they said to me on the phone and they would not provide and I was given attitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
A deposit was made by cashiers check totaling {$39000.00} on XX/XX/23. I was told I would be receiving access to the funds on XX/XX/23. Huntington Bank proceeded to close my account and has held a hold on my deposit into my checking account for almost a month now. Nobody from Huntington Bank can tell me anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 canceling credit monitoring or identify theft protection service

Complaint:
I'm trying to cancel and I am being shuffled around from office to office. Can't get them to cancel. It is almost impossible to cancel DO NOT USE

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 2023-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
Bank of America made a hard inquiry on XX/XX/2023 without my consent or knowledge.

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 2023-04-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an account with PayPal Credit. PayPal system has a glitch that caused my Auto Pay Payment to fail. As a consequence, I have been charged a late fee of {$30.00} on XX/XX/XXXX and {$41.00} on XX/XX/XXXX. I suspect that this issue may be affecting other customers as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief