BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-28
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Bk XXXX  page 45-53 I filed in the Reg of Deeds ( XXXX County, MA ) is my Homestead dated XX/XX/XXXX and on XXXX book XXXX page 304 to protect me against wrongful foreclosure/liens is on record. I recorded this as a XXXX person and attached in this record is my Social Security statement to prove XXXX. I am now XXXX yrs old. 

TODAY- JP Morgan Chase Bank , NA has filed a New " assignment of mortgage '' as copied/pasted here from the website : XXXX XXXX XXXX JPMORGAN CHASE BANK N A XXXX bk XXXX  page 119 ASST XX/XX/XXXX XXXX XXXX XXXX XXXX I believe this Bank is trying to wrongfully foreclose on my home for this Line Of Credit. 
please see attached for my protections/rights as a XXXX person now age XXXX. 

Also! it appears that this HELOC " account '' has gone from : Chase, Mail Code XXXX, XXXX XXXX XXXX, XXXX, LA XXXX to listed on the NEW assignment JP Morgan Chase Bank, NA I have never received any communication of this action also.What is this " Bank '' trying to pull???? More fraud???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2020-01-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had placed a credit freeze with Equifax in XX/XX/2017. I wanted to remove this freeze temporarily to apply for a car loan. Their website and phone service both refused to identify me. When I finally talked to an agent, they wanted me to MAIL in multiple documents - drivers license copy and SSN card copy. By this time, it would be too late to purchase the car I wanted to buy. Equifax could give me no reason for this other than 'it is their policy '.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2020 I got summoned by XXXX XXXX circuit court to pay a debt for midland credit management inc. I didnt not have the funds for this debt and have been only only receiving unemployment benefits per my Job closing temporarily due to covid. I felt pressured to pay given I was also pregnant at the time and didnt want to lose my only income to be able to provide for my son and soon to come daughter. The total amount they were suing me for was {$5200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: STERLING JEWELERS, INC.
State: MD
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:
KAY JEWELERS Account # XXXX Hello, this account was paid in full in XXXX. I don't have no records that there was ever any items brought after this card was paid off. 

Seeing that this account was put into collections and effecting my credit score, I paid this account off with XXXX XXXX XXXX. XXXX XXXX XXXX agreed that if I was to pay this amount we agreed on they would have this account deleted from my file. Upon changing my account I see that this account hasn't been deleted from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: NATIONSTAR MORTGAGE LLC
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We applied for a loan in XX/XX/XXXX with NationStar. They agreed to a 3.99 % mortgage and we got an appraisal that came in without issue. They have been dragging this out and not returning our calls or emails. They just sent us new terms for the loan. 

We are unsure of what they are doing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: TX
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-12
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I got a Reverse Mortgage in XXXX 2009. My original principle was {$100000.00}. I have only drawn out {$38000.00}. I am not finding what happened to {$31000.00}. I have requested a complete schedule of withdrawals and an available balance numerous time, and have only received partials.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Suntrust Mortgage gave me a pre qualification letter for a conventional loan for {$56000.00} so I could buy a home. The loan officer XXXX XXXX told me I had something on my credit report but it wouldn't be a problem. After I have gone under contract he tells me that we can not proceed until it comes off. The thing is on my report is an unpaid balance with XXXX XXXX from several years ago that I was unaware of as I am a customer with them in good standing. I paid the balance and was told it would come off the credit report in about a week. It never came off. Another lender gave me advice and told me to ask the loan officer XXXX to call XXXX  and have them do a Rapid Score Response. I told XXXX and his response was that this is something I am supposed to do. I called XXXX  and they told me the lender should be calling them for this. I am at my wits end. What am I supposed to do to get this loan to go thorough? My real estate agent has had the closing date extended and it is approaching. I don't think it is right that this guy gave me a pre qualification letter if I could not get a loan. Please advise.

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 2019-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
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: Their investigation did not fix an error on your report

Complaint:
Im submitting this complaint against XXXX  Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am not quite sure if these companies are following proper reporting protocol ; if so I apologize for this complaint. However, two companies are reporting the same debt for XXXX accounts on my report. XXXX Bank was the original creditor for both accounts ( XXXX XXXX XXXX and XXXX XXXX ) and they were both sold to a collection agency called Portfolio Recovery Associates. Both companies are now reporting the debts. I feel that this is lowering my score even more. I understand that it is a collection and I have no problem with that. I just want to know why both are reporting and not just the collection agency as I have had happen in the past. I feel like this is making it look like my debt to income ratio is worse than it actually is. Thank you for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am not quite sure if these companies are following proper reporting protocol ; if so I apologize for this complaint. However, two companies are reporting the same debt for XXXX accounts on my report. XXXX Bank was the original creditor for both accounts ( XXXX XXXX XXXX and XXXX XXXX ) and they were both sold to a collection agency called XXXX XXXX XXXX. Both companies are now reporting the debts. I feel that this is lowering my score even more. I understand that it is a collection and I have no problem with that. I just want to know why both are reporting and not just the collection agency as I have had happen in the past. I feel like this is making it look like my debt to income ratio is worse than it actually is. Thank you for your help with this matter.

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 2023-02-08
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act XXXX Account XXXX XXXX XXXX, XXXX XXXXhas 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 account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, 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 a 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 2020-06-02
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
PNC has made a change that no longer lets you link your account with XXXX, presumably in an effort to keep customers using their in-house XXXX platform. That changes, or I leave PNC. It's that simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: ERC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently found out due to signing up for a credit wise which shows and helps with your credit report that on XX/XX/2015 with a past due balance of XXXX my now ex partner opened a XXXX account in my name without my knowledge. He told me that the account was in his name and to also that the account had been paid in full bc I knew he had been behind on a payment before when we moved back to our home state. I found that this is not the only derogatory account he lied about being in his name when in actuality it was in mine. I dont feel that I should be held responsible and that he should have to take responsibility for his actions and transgressions. And unfortunately I am the one who is dealing with the repercussions of his irresponsibility. Thank you and hope to hear back from you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The accounts on my credit report were open online by another individual. I have been contacting the companies over the last pass years to be removed and not one is listening. I decided that I was ready to purchase a home and the bank representee was the one to give me the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I spent months working with my builder, loan officer, escrow company, title company, and mortgage company to ensure that my total cash to close and my monthly payments would be what they promised. One day after closing on my house, I received a notice that my mortgage payment would be increased from {$1500.00} to {$1600.00}. 

They state that my escrow account is underfunded and those the need for an extra {$110.00} per month. Why was n't this brought to my attention when I was signing documents? Why send this notice one day after I 'm locked in? I ca n't help but think that something underhanded has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: AMERICAN EXPRESS COMPANY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
2 months ago I filed a fraud complaint with American Express. Someone charged over {$3000.00} on my card ordering something from XXXX. To this day, neither American Express nor XXXX will disclose any information about this fraudulent charge. Basically claiming that they need to protect the criminals. 

My identity has been stolen and it only makes sense to get information to me so that the detective involved in this case can see if this is associated. American Express REFUSES to help me Thus they are part of the problem in letting criminals go free and leave me vaunerable to more fraud. This is so unfair and it almost seems like American Express is trying to cover something up. 

I asked for a phone number where the detective on the case could call to get involved, and they refused to provide any information. 

Clearly American Express has issues with XXXX. It's easier to just refund for fraudulent charges rather than actually try to find answers as to who is committing the crime. 

I starting using American Express assuming they might give me better service than Visa or Mastercard. Clearly I was wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11
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: Information belongs to someone else

Complaint:
Items was on my report that wasnt mind also items was included in my police report i sent in

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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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 2022-08-07
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX I purchased a dog through this company we agreed on {$2000.00}. They auto drafted the funds from my bank and verified accounts. In XXXX  I was admitted into the hospital for XXXX and lost my job. I had not contact. I had an ongoing investigation with my work to grieve my job. This company did not allow me to enter my new bank account during the pandemic time period and now overcharged me. Can we please dispute and delete this from my report. I reported to the company multiple times. They have harassed me and threatened to charge me {$8000.00}. I have no contract nor a signature to owe this amount of money. I have been asking for information to read any contract. During the pandemic they stopped contacting me. I need help deleting this {$6600.00}. I did not omit to these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions 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 was going through my credit report and noticed there are a bunch of hard inquiries on my credit which I never authorized and not aware of them at all. Please fix these by removing them because they were never authorized by me. 

XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XXXX  XX/XX/2020 XXXX  XXXX  XXXX  XX/XX/2020

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