BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-14
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my refinance with XXXX XXXX XXXX on XX/XX/2020 and soon after my mortgage was transferred to Loancare ( # XXXX ) for servicing. I received updated tax statement from my town stating that my taxes increased so I forwarded this to Loancare since there was an outstanding balance due to the increase taxes. I reached out to loancare several times within the last six weeks by email and phone and I was told over and over that my tax adjustment will be paid but it still haven't been paid. My municipality is currently adding interest to my taxes and I am concern that if this matter is not resolved soon, my township will take action against 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 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX Balance Owed : {$390.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$48000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 I went to deposit my company deposit and the atm ate my money XXXX dollars they said keep the repo slip to let Chase know so thats what I did I googled what to do cause chase was closed due to XXXX XXXX  thats the companies partial payroll and its due tomorrow to my boss I dont like carrying that much money around do I put it in my account and I wound up getting robbed by the atm I need help I dont know what to do chase is closed and my payroll is due tomorrow I had to handle all affairs while my boss is on a business trip my boss is going to fire me please help me asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Medical Business Bureau
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, MEDICAL BUSINESS BUREA ( Date opened XX/XX/XXXX XXXX add a derogatory mark on my credit reports.MEDICAL BUSINESS BUREA did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: EQUIFAX, INC.
State: NV
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:
There is an incorrect " Collection '' on my credit report from XXXX XXXX collection agency, that has reappeared AGAIN dating back to XXXX. 

XXXX  had REMOVED the " collection '' stating that it had been paid by insurance ( XXXX ). And XXXX  REMOVED the collection after they found out it had been paid by INSURANCE. 

XXXX XXXX said it had been reported to collections -- there was nothing they could do. 
I contacted XXXX on XX/XX/XXXX and EQUIFAX to get this removed. BOTH companies refused to remove it even though it had been paid by INSURANCE. ( DOCUMENTS ATTACHED ). 
I even showed them that XXXX  and XXXX had investigated and REMOVED the " collection. '' The insurance, XXXX, had issued a letter stating that it was an invalid debt, after I had requested an investigation in XXXX. ( Letter Attached, page 2 ) I told XXXX that this was an incorrect /invalid charge that had been paid by my insurance in XXXX. XXXX refused to remove it. EQUIFAX also refused to remove it. 
XXXX XXXX stated 2 DIFFERENT AMOUNTS -- $ XXXX and also XXXX for the SAME INCIDENT. 
** ATTACHED DOCUMENTS INCLUDE MY PERSONAL/PRIVATE INFORMATION. PLEASE DO NOT PUBLISH.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: ORG GC GP Buyer, LLC
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Disputes, sent written letters about identity theft, no resolutions reached j was never contacted back by the credit companies and they never fixed the incorrect items that are listed on my credit report such address business debts that are not mine. 
My credit has been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$920.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.

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 2020-09-14
Company: CAINE & WEINER COMPANY, INC.
State: WA
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:
Prior Complaint of Company with your outlet, of whom took credit reporting off for 30 days then sent account to collections as new account. 

Further to damage my credit. In incorrect amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Disputes, sent written letters about identity theft, no resolutions reached j was never contacted back by the credit companies and they never fixed the incorrect items that are listed on my credit report such address business debts that are not mine. 
My credit has been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX, and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and identification as it contains my complaint and requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Multiple times waiting on hold and calling about my XXXX. Sent the document 4 times, with very little direction about what was wrong. Received on the last day XX/XX/XXXX that I needed more documentation to support my employee verification. I have worked at the same XXXX since XXXX, HR has signed/resigned and I have double checked the date on my XXXX  form and everything was accurate. Receiving this on the last day before close of the XXXX, I was unable to call/figure out additional discrepancies MOHeLA found that they felt they couldnt certify my employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: Experian Information Solutions Inc.
State: LA
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:
In short, there are unauthorized inquiries that appear on my credit report with Experian. I first disputed with them and they sent me a letter saying that I could not dispute inquiries with them and to contact the company. So I did I received notification from the companies that the inquiries placed on my credit file would be suppressed. 

To date the information still appears on my credit report. I called Experian on XX/XX/2020 and was told it would be taken care of in 24 hours. Yet the inquiries from XXXX  XXXX XXXX and the US Small Business Administration still appear as of XX/XX/2020. Proof Enclosed. 

This bureau is reporting inaccurate information on my credit file a violation of 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 2023-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. BANK OF AMERICA XXXX Balance {$9500.00}

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 2023-02-11
Company: JPMORGAN CHASE & CO.
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 contacted JPMCB Card of a hard inquiry on credit report that I did not authorize. Hard inquiries were done on the following dates : XX/XX/XXXX and XX/XX/XXXX. JPMCB Card has no personal information or no data of the inquiry. I requested a letter from JPMCB Card to change my credit report but I was told that since there was no personal information in JPMCB Card data base, they would not be able to help me. I was directed back to the reporting agency but they will no correct this fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: IN
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:
Your company was supposed to do a full investigation before applying anything to my consumer report. Your company never did an initial investigation. Which is a violation. I had an eviction on my consumer report for an address that I never even lived at. Due to that false eviction being in my consumer report I was denied housing from XX/XX/XXXX until XX/XX/XXXX. My family have suffered dramatically due to your companys false information on my consumer report and lack of an investigation. I disputed the address and it was removed so that furthermore shows that your company was at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to request that the XXXX XXXX XXXX XXXX XXXX account, with the original creditor being XXXX at XXXXXXXX XXXX XXXX and account number XXXX, be removed from my credit report. This account was opened fraudulently and I am a victim 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 explanation
Consumer complaint received 2018-03-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
While I was trying to make a booking on XXXX ( XXXX XXXX Website ), I saw an advertisement for American Express Delta Gold card with XXXX, XXXX miles on spending XXXX $ within three months and {$150.00} statement credit offer for making a purchase on XXXX XXXX within 3 months. 

I went through the application process, entered all my details and got approved. Later when I checked with the American Express customer service they told me that I am not eligible for XXXX, XXXX miles promotion since I had this card in XX/XX/2015. As per them, this was buried in the fine prints somewhere during the application process. 

I called this a switch-and-bait tactic since after I entered my personal details, American Express already decided that I am not eligible for the promotion why not warn me before I finish the account opening. I strongly believe that CFPB should punish American Express for such switch-and-bait tactics and force them to show the actual promotion terms before the account setup is finished.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
Chase block my XXXX  and flag me as fraud over {$75.00} dollars. XXXX is design to receive and send money. I used XXXX as follow but chase bank flag me as fraud and stop me from using XXXX  with other banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
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:
Several inquiries show up on my credit report that do not belong to me. I have tried to get these inquiries removed from my file but this agency refuses to do so and has failed to show me that they have verified these inquiries to be long 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 2020-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Several inquiries show up on my credit report that do not belong to me. I have tried to get these inquiries removed from my file but this agency refuses to do so and has failed to show me that they have verified these inquiries to be long 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 2020-09-13
Company: EQUIFAX, INC.
State: GA
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 would like to remove the inquiries that are were maid with out my written consent. Along with accounts that been falsly opened for year 's under my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: EQUIFAX, 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:
Several inquiries show up on my credit report that do not belong to me. I have tried to get these inquiries removed from my file but this agency refuses to do so and has failed to show me that they have verified these inquiries to be long to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: KY
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XX/XX/2022 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 explanation
Consumer complaint received 2023-04-11
Company: Chime Financial Inc
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been trying to access my account for almost 2 months I simply need my phone number updated. I've contacted them via phone and email. I even talked to a supervisor was told to submit certain documents since my id is expired and I done so more than once and all they do is start over on requesting documents. I was out of gas on side of the road and told them my issue and was reassured several times I'd be able to access my account and this was 3 days ago and I still can't access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX/XXXX XXXX is showing up on all 3 credit bureaus. I have disputed this acct with the company directly and with the credit bureaus. And they will not remove this account from my profile. I have asked them to provide me with the original loan application with my signatures and they haven't not provided me that. They sold the account to XXXX XXXX XXXX on XX/XX/2016 with an balance of {$4600.00}, I have also reached out to them asking for a copy of the original loan application. My date of both is incorrect when they called to try to verify the account with 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 2020-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
There were never consent for the number of inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: U.S. BANCORP
State: KY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I purchased a XXXX XXXX flight ticket from XXXX. Later on XXXX claimed the flight was cancelled. Normally I should expect a refund going to my credit card. But XXXX forced me to accept as airline credits, which I had never wanted. This transaction was made through my US Bank Credit card ending XXXX. Therefore I tried many times to get my money back through the bank online dispute, but the they did not proceed to a dispute claim. To be forced to accept airline credits apparently has formed extra credit card debt to me. Therefore, I hope to get my money {$540.00} back to my card as soon as possible. I attached the credit card statement to indicate this transaction under merchant name as 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 monetary relief