BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
Company: JPMORGAN CHASE & CO.
State: IL
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:
I received a package delivery from Amazon on XX/XX/XXXXthat I did not order. I called Amazon the following day to report the package with all pertinent information. Amazon examined my standing account with them and determined my XXXX card on file was not used for this purchase and via letter, told me the product was mine to donate. I tried to get a return label to send back as I had no interest in this product. Two days later I discover my Chase Visa was charged for this product which I have never used for any Amazon purchases. I called Amazon again, to dispute and asked again for a return label. Again I was told my account was safe. I disputed the charge with Chase. They promptly removed the charge and issued a new card. I tried Amazon a third time for a return label and I was told that fraudulent account was suspended and they could not issue a return label. Chase in XXXX reposted the charge to my visa. I called and the position they took was I received the product, therefore I had to pay for the product. I questioned Chase 's investigation and sent to the Fraud Department all of the documentation sent to me from Amazon along with my purchase history and verification of my XXXX XXXX on file. They promised to re-investigate and this week sent a letter that the charge will stand. I called Amazon once again to request a return label, I don't want the product and I don't want to pay for the product that I have no interest in dealing with a donation nor sale of the product. 3 Phone calls with Chase, 5 with Amazon and I am still on the hook for a system to build a super gaming system that sold for {$410.00}. I have no resolution and feel both Amazon and Chase are to blame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am requesting that it will be removed from my credit report as soon as possible.

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 2021-11-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I start a new job next week. I was asked to create a profile on XXXX. There was a link for Wisely. I clicked it to get more information and it signed me up for a prepaid card that I do not want. It looks like my prepaid card was approved. But I want my direct deposit to go into my XXXX account. Ive already provided XXXX with my checking account information. Please cancel this prepaid card. I reached out to XXXX. But I need a card number to be connected with anyone. 

Again, I do not want this prepaid card or account. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26
Company: LDF Holdings, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$600.00} from Loan at Last with the understanding that I would be making payments of {$280.00} for 3 months. I contacted them to ask them if I could skip a payment and that's when I found out that my loan would not be paid until XX/XX/2020. My caregiver helped me figure out that I would be paying over {$3000.00} in the end, for a loan of {$600.00}. My caregiver is helping me with this complaint, as I have a XXXX XXXX, which she thinks is how this company was able to swindle me into signing up for this loan. I only borrowed the money because I was falling behind on my phone payments. Now I am in even more trouble. I get SSI and I have a job, but the idea that this company will get over {$3000.00} from me because I wanted to borrow {$600.00} does not sound legal to me or my caregiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
on XX/XX/2002 I sent a letter to XXXX, Transunion and XXXX advising them to remove outdated and information that doesn't belong to me, they have yet to do this. 


The credit companies are not complying with their own policies in a timely manner.

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 2019-07-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
i was told citi bank that they froze my card b/c the credit bureaus too them too btw XXXX limit just paid XXXX to sears my balance is 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 2023-04-12
Company: Experian Information Solutions Inc.
State: SC
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'm very outraged that you put the following details in my consumer report and that you didn't follow acceptable operating standards to ensure the highest level of accuracy in the credit reports you publish. Credit reporting laws make guarantee that bureaus and organizations only publish credit data that is entirely accurate. To ensure that the information given is entirely true and correct, every precaution must be taken. I am receiving treatment that is unjust and unfair. And they have taken on a significant role in my life and, through a false consumer report, have seriously harmed my future. Therefore, I'm emphasizing their need to act fairly, impartially, and with respect for all consumers ' rights to privacy. And the data breach that occurred where my information was mishandled I would like these removed urgently or I will take further action to get the results I demend.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 2023-08-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX. I emailed Select Portfolio Servicing on XX/XX/2023 via email to supply the requested probate documents : official State of Utah probate document ( Letters of Administration which is what the State of Utah issues to the biological heirs in intestate cases ) ; my father 's death certificate. 

XXXX. On XX/XX/2023, I received a letter from SPS stating that they will not accept the official probate document I received from the State of Utah due to " applicable law '' which they failed to quote specifically. 

Since my father left an unsigned will on his computer, Utah State Law 75-2-503 " Writings Intended as Wills '' stipulates that : " Although a document or writing added upon a document was not executed in compliance with Section XXXX, the document or writing is treated as if it had been executed in compliance with that section if the proponent of the document or writing establishes by clear and convincing evidence that the decedent intended the document or writing to constitute : ( XXXX ) the decedent 's will ; " I informed SPS of this state law on XX/XX/2023, as well as provided them a copy of the unsigned will, death certificate, my father 's birth certificate, my birth certificate. I am the sole biological heir, and my father bequeathed his entire estate to me as written in his unsigned will.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Hello Ive been getting trying to get a Bank of America prepaid card. Ive had one in the past for more than 10 yrs. The one I had, expired this year. And I never received a replacement like other years. Id like a new Bank of America edd prepaid card up to date. I havent so. I have a new address of it helps. 
Its XXXX XXXXXXXX XXXX XXXXXXXX, Ca 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 2023-07-26
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Impersonated a lawyer, threatened my personal property, threatened my co-workers with a police officer. Was told to stop calling and continues to call and very aggressive and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: RoundPoint Mortgage Servicing LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mrtge principal balance was scheduled to reach 80 % of original value of the property onXX/XX/XXXX. On XX/XX/XXXX, I submitted a written request to have the PMI removed and received an email receipt confirmation. Appr a week later ( message left and I called back ) Roundpoint informed me that an appraisal was required and it would be {$750.00}. I told them that was a ridiculous fee, appraisals in our area range from $ XXXX- {$500.00}. I'd already researched the range. The lady informed me that she would submit a request to review the amount of the appraisal, someone would call me back. A few days later, I received another message ), I called back and was told that it was still being reviewed. Another week passed and I received a call from an appraiser who said that he was notified by my mortgage company that a request was submitted for him to perform the appraisal. When I asked what the fee was, since I hadn't heard back from the mortgage company, he said that he didn't know, that it was just assigned to him. I told him not to come until I had contacted the mortgage company again. For a third time, I contacted Roundpoint, I was told that the cost wouldn't change. I requested a supervisor contact, my PMI is {$54.00} a month, mortgage is scheduled to hit 78 % original loan value on XX/XX/XXXXand automatically terminate. Paying the PMI until then would only be {$760.00} ( {$700.00} deducting theXX/XX/XXXX payment that would be charged due to timing ). It would make no sense to pay {$750.00}. I was told that someone would call me back and was also told that the 78 % date for auto termination is not accurate, that it doesn't automatically terminate. I didn't receive a call, instead I received a letter datedXX/XX/XXXXthat they denied my request because they didn't receive an appraisal. I believe that Roundpoint set the cost of the appraisal themselves at a higher than market value to continue to get the insurance amount that they had planned on at origination.

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 2023-08-08
Company: EQUIFAX, INC.
State: FL
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:
Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX DateXXXX XXXXXXXX, XXXX CompanyXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CompanyXXXX XXXX  DateXXXX XXXXXXXX, XXXX CompanyXXXX XXXX XXXX XXXX DateXXXX  XXXX, XXXX CompanyXXXX XXXXXXXX XXXX DateXXXX XXXXXXXX, XXXX CompanyXXXX XXXX DateXXXX  XXXX, XXXX CompanyXXXX  XXXXXXXX XXXX, DateXXXX XXXX, XXXX CompanyXXXX XXXX XXXX  XXXX XXXX DateXXXX XXXX, XXXX CompanyXXXX XXXXXXXX DateXXXX XXXX, XXXX CompanyXXXX XXXXXXXX XXXX XXXX DateXXXX  XXXX, XXXX CompanyXXXX XXXXXXXX XXXX XXXX XXXX I believe these unauthorized inquiries violate the provisions outlined in Title 15 USC 1681, as I have not applied for credit or sought any services from the aforementioned creditors, and therefore, these inquiries are not valid or authorized. As a consumer, it is my right to have accurate and up-to-date information in my credit report, and unauthorized inquiries can negatively impact my creditworthiness and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: NC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The account below is paid in full. 

XXXX XXXX - Balance {$39000.00} Accounts ( 3 ) below are not mines. 

View all accounts COLLECTIONS XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$5900.00} Original creditor : 09 XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$310.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$3000.00} Needs Attention

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 2022-10-20
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Comenity Bank overseeing the XXXX XXXX XXXX credit card accounts : They have not reported our balances since XX/XX/XXXX of 2022. We have been on the phone with them countless times trying to restore a previous interest rate, the accounts are all closed aside from balance payment options. We need them to still report these accounts with balances as we are working on our credit scores and this is keeping a high balance on there and hindering our scores from showing accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-29
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: Account information incorrect

Complaint:
Regaurding my XXXX account XXXX XXXX XXXX XXXX for a XXXX account, it shows the account late last XXXX. I have had numerous calls with XXXX and they agree this is at their fault and have agreed to remove the late stature for XXXX. Please reflect this and the jointly agreed upon decison

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
No company should be reporting anything on my credit profile without my consent to do so. Everything that's being reported is against my approval and has effected me tremendously while doing so and I need to be compensated for it. For every inquiry on my account that has been placed on my account due to FRAUD because I never gave anyone my consent to public expose my private information without just compensation. However A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. and my while credit account is the evidence of the fraud by each credit reporting agencies that will be held accountable for these adverse claims against humanity.

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 2022-10-20
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have tried to open accounts through XXXX  XXXX XXXX and Truist bank and they wont let me open one due to them thinking I was involved in fraudulent activity but u was never involved any of that type of activity I am currently a student in colleg and have no idea on what is going on and why I cant create or make a new bank 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