BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-03
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:
I have submitted 3 requests to have unauthorized hard inquiries removed from my report. I have contacted the credit bureaus to ask for an investigation and I have contacted the ones responsible for initiating the inquiries. Nothing has been done to correct the erroneous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our family applied for a conventional mortgage on a home. We offered {$240000.00} on the home, along with {$5000.00} in case the home did not appraise. We did this due to the fact that there was an issue with other homes in the area not appraising for their purchased value. 
We contacted Chase bank in Arizona who we were referred to. The loan officer ensured that the appraisal would be waived on several occasions over the phone and via text message. Needles to say, he did not have the authority to do so, which he did not tell us. 
Instead, we were accosted by an appraiser who was at the house, unbeknownst to us, or the seller. The appraisal returned lower than expected and we have to cover the cost of both the appraisal and the variance in value. We did not budget for this cost after speaking with the loan officer at Chase  because he told us he could have the appraisal waived and sold us on the fact that JP Morgan Chase does it's own underwriting. 
Subsequently, we determined that this loan officer, and the superior lending manager, did not have our best interests at heart. 
We contacted Chase bank in Michigan who guaranteed that the application can be processed on time, even if it was transferred to the local branch because, again, JP Morgan Chase does it's own underwriting. 
The office in Arizona has since ignored calls and emails and refuses to communicate a reason why they will not transfer the mortgage application to the Michigan office. This puts our ability to close on time in jeopardy. It will also cost use several XXXX dollars due to the Arizona branches loan officer lying about his abilities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: IL
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:
I have never done business with XXXXXXXX XXXX. I have never given them my social security number or my signature. So It needs to be deleted from my Equifax and my experian credit report. using the permissible purposes law 15 USC 1681b. Asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I opened an auto loan finance account with Ally Financial in XX/XX/XXXX. In the 6th month of payments, I began to pay slightly over the amount due- rounding up to the nearest hundred. ( Original Payment {$570.00}, began to pay {$600.00} or more, believing {$24.00} would be applied to the principal balance, it was not ). I called Ally Financial in early XXXX to inquire about this matter and was told it would be corrected. It never was. Fast forward to XX/XX/XXXX, and the following occurred : On or about XX/XX/XXXX interested buyers began to make offers to purchase my vehicle. As I entertained those offers, both myself and those interested buyers began to request payoff inquiries. On or about XX/XX/XXXX, I did indeed sell my vehicle to XXXX XXXX of XXXX XXXX. I called Ally Financial that day to inform Ally that I had sold the vehicle and to expect payment. Again on XX/XX/XXXX I began to communicate with Ally asking Ally to apply the payment to my account, as I had been tracking the payment, and I knew that it had been received. 

However, Ally Financial reported to XXXX Credit Bureau- and others- that I was 30 days past due in the month of XX/XX/XXXX. Ally Financial at that time, violated the Fair Credit Reporting Act with the extremely serious violation of false reporting. Upon this realization, I made calls and emails again to Ally Financial, as well as disputed this error on my credit. Ally Financial then provided false information to multiple Credit Bureaus, therefore causing the false information to remain on my credit report. This was another serious violation of the Fair Credit Reporting Act. 

Other evidence that supports my findings can easily be obtained from the XXXX which I have in my possession. The vehicle was sold at auction in the month of XX/XX/XXXX, and subsequently to an entirely new owner in the State of Georgia- all before Ally Financial reported the late payment to the Credit Bureaus XXXX Ally Financial has made no attempts to correct their error other than giving me case numbers for my inquiries. 

I have made several phone calls to Ally Auto. I have emailed Ally Auto. I have sent Ally Auto a certified mail piece informing them of my intent to pursue legal action. Ally Auto has taken almost three months to respond. They have changed dates which do not correspond with the information reported to the credit bureau.

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 2020-04-27
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Transworld inc on XX/XX/2019 to receive verification of debt/original bill. They did not provide the information and stated the original creditor did not provide it however continue to report to the credit bureau 's. I tried to resolve this with them but they hang up on me and refused to let me speak to a manger. I have no resolution for this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: NC
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 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 DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 2020-03-03
Company: Ameritech Financial
State: TN
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:
I was under the impression that if I made 3 years of consecutive payments to Ameritech, my student loan would then be forgiven. Ameritech never paid on my student loan, instead put it in deferment. Ameritech kept my money. I was paying XXXX a month for 24 months before I found out what was going on. {$9100.00} was just thrown away. It is not fair. I can get bank statements of where I paid them each month.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-30
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Had a loan account with XXXX XXXX XXXX XXXX. No debt collection attempt was made and then received notification from a company named Bull City Financial. When I called XXXX XXXX XXXX they told me they had no information but for me to try and contact Bull City. i never had any account or agreement from Bull City also was never notified of any debt collection from XXXX XXXX XXXX XXXX. I have a {$0.00} account and showing 100 % paid off per attachment. Bull Ciry also has no documentation or loan paperwork as evidence of debt per my repeated request to have sent to me on the debt which is a violation of federal laws stating Providing validation to consumers to prove the right to collect debts,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
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 or about XX/XX/2022, I purchased online 2 boxes of XXXX XXXX XXXX XXXX XXXX for {$150.00}. I never received a confirmation email for my purchase!! I then looked at my credit card account and saw that a company named XXXX was listed for the purchase. That wasn't the name of the company I purchased it from, but I assumed everything was okay. I waited and never received my purchase. I assumed the delay was due to all the trucking issues we have been having in the U.S. 

On XX/XX/2022, they delivered via USPS a XXXX XXXX XXXX from XXXX AND from a different company that XXXX! At first, I assumed the XXXX XXXX  came from an order that I had cancelled on XXXX since they were out of stock for a color that I had wanted on a XXXX I had ordered. I thought the XXXX store sent it as a gift. I put it out in the garage for trash. However, I later found out through Capital One that this was supposed to be my 2 boxes of USA XXXX! 

I have sent Capital One ALL the information I have, and they refuse to credit my account for the scam. I even gave them information from XXXX XXXX XXXX to show that several other people have been scammed by this same XXXX company and received a XXXX XXXX!! 

I can not return the XXXX XXXX to the company because the XXXX Utah address shows no mailing address. I have searched for it. Furthermore, the XXXX website says that in order to return to them, you need to provide the confirmation number ( which they conveniently never sent me )! I emailed XXXX twice for my confirmation number so I could return the XXXX XXXX, but they have never responded. I also called their phone number and have received nothing but a busy signal!! The XXXX website also says to NOT mail a return item to the address on the website but that they will provide another address! How can they provide this address if they never answer their phone or respond to emails? I have copies of my emails sent to them. I also have a printout from my XXXX account to show I have never received an email from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-31
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Penny Mac stating the escrow would be sent to me in XX/XX/XXXXfor payment to local County to apply in XXXX. I never received the funds. I have called and repeatedly asked about the funds and been told it was sent to XXXX County, It was sent to me, and that it would be sent XX/XX/XXXX, overnight, with me receiving it onXX/XX/XXXX. I have received nothing. 

I called again yesterday, XX/XX/XXXX, and have yet to receive a call back from Penny Mac as to the status of the funds. The due date for the taxes in today, XX/XX/XXXX. I have already missed theXX/XX/XXXX tax season to pay the taxes in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/2019, my son XXXX XXXX and I applied for a {$20000.00} loan on a car to which he already had clear and unencumbered title, to liquidate that equity for unrelated purposes. 

On a single phone call, a loan officer for Navy Federal Credit Union took both of our social security numbers as well as the VIN for the car we were pledging as collateral, and with our permission accessed our credit reports. She did NOT disclose to us, however, before accessing them, that the loan 's final approval would be conditioned upon her obtaining a " XXXX '' for the vehicle which did not indicate ANY faults, issues, negative history, or problems. 

She determined we were qualified for the loan, sent an email to me containing a hyperlink to a web page which she indicated would allow me/us to e-sign a promissory note and/or other relevant documents to fund it, and asked me if I would like to pick up the check in a branch or have it mailed to me. I indicated the latter, and the call ended soon thereafter. 

Within 30 minutes, we called back to ask a question about the loan ( whether it might be possible to increase its size, since the original requested amount was {$10000.00} less than {$30000.00} the maximum amount the loan officer disclosed to us that the vehicle 's {$27000.00} value would support, per their lending guidelines. 

On that call, we were told that the loan 's approval had been rescinded because of a " red triangle '' on the XXXX they had obtained, indicating that the car had, nearly two years ago, sustained " structural '' damage. 

NOTE : " Structural damage '' does not in any way equate to a branded, salvage, or otherwise less-than-clear title. I would also note that a similar product we purchased before buying the vehicle less than a month ago, " XXXX '' indicated NO such negative information. 

So, my son 's and my credit reports now contain " hard '' pulls because this institution sought and obtained our permission to access them under the false/fraudulent pretense that, if our credit and income was sufficient, we would be ( and IN FACT WE WERE ) APPROVED for this loan. They chose to more deeply research the collateral we were pledging, which can not suffer harm as a result of such research, only AFTER deeply researching us as borrowers, damaging both of our credit ratings in the process!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am writing to file a complaint against JP Morgan Chase & Co. On XX/XX/XXXX I purchased two round trip plane tickets from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX on XXXX XXXX through the Chase Ultimate Rewards Travel Center XXXX On XX/XX/XXXX I called the Chase Travel Help Desk to confirm that there were no issues with our flight reservation. A customer service representative ( CSR ) reviewed my reservation while I was on the phone and assured me that there were no issues with my flight, and that my reservation was confirmed. That evening ( XX/XX/XXXX ) we arrived at the airport to find that the flight ( operated by XXXX ) did not exist. There were no XXXX flights scheduled to fly out of XXXX that night. 
On XX/XX/XXXX I spent over XXXX hours on the phone with the Chase Travel Help Desk and XXXX customer service trying to figure out what had happened and how to proceed. The XXXX CSR let me know that XXXX no longer offered the XXXX  XXXX  XXXX had booked, and that they had alerted Chase of this schedule change in XXXX of XXXX. I was never notified about any changes to my flight reservation, nor was I issued a refund. 
The Chase CSR ( XXXX XXXX ) assured me that the only way to resolve this issue was for me to give authorization to cancel the XXXX trip reservation, then purchase XXXX new tickets through the Chase Ultimate Rewards travel portal. The new tickets were XXXX XXXXXXXX and cost {$1800.00}, more than twice what I originally paid for the flight since I had to purchase them only XXXX day in advance. He assured me that I would be refunded my original ticket price ( {$590.00} ), plus the difference between what I paid for the original flight and the new flight ( {$640.00} ) within 8 weeks. I have a personal recording of this phone call. 
On XX/XX/XXXX I was refunded $ XXXX the price of the original tickets. I have called multiple times over the last few months for updates, but most recently on XX/XX/XXXX I called XXXXhase Travel. They let me know that my ticket was pending review by the accounting department, and that he could not give me a time estimate for when I would hear from them. 
It has now been more than six months, and I have still not received the refund of {$640.00} which I was promised. Additionally, I suspect that throughout this process I have been given fake email addresses and names, intentionally hung up on, not called back, and forced to hold for long periods. These tactics make it time consuming, confusing and hard to follow up with customer service issues. Chases customer service is unethical, predatory and represents bad business practices that should be investigated further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I mailed have called XXXX, XXXX, and Equifax numerous times about incorrect information on my report and they continue to blow me off! They are reporting false and inaccurate information and they've failed to fix the situation or hold an investigation. It is now XXXX and they have yet to respond my letter from XXXX! This is completely unfair to me as a consumer that they continue to take advantage of me and stop me from obtaining credit which is my right. Please help because they will not listen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
one unfortunate XXXX XXXX XXXX account has been reporting under my credit file for the last two years, i keep telling them this is not mine, i have never had a XXXX XXXX XXXX card, i even received a police report since i had been a victim of ID theft. this is not mine, i need t have equifax which is the only reporting agency reporting, have this removed from my credit file. 
thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: OH
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:
The company used my non-public personal information and other private account information without my consent. I never gave the company and expressed written consent or implied consent to obtain, utilize, share, or sell any information belonging to me. The companies actions has caused me a number of damages and injuries to my finances and my personal reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: Experian Information Solutions 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 information incorrect

Complaint:
On XX/XX/XXXX, they received information that my account was discharged so there should be a XXXX balance. This was confirmed by several of their reps & supervisors. Today, XX/XX/XXXX, they reported on my credit report that I owe {$120000.00}. Prior, nothing was ever reported. I do NOT owe this. My loans have been discharged and according to my letters from the Department of Education, my credit report will be XXXX out once discharged ; not add such a large balance. This reporting has decreased my credit score by XXXX points and added to my credit usage significantly HIGH when it has always been under {$100.00}. This now negatively impacts me trying to get a home loan. The mortgage company just now pulled my credit report which now shows this extreme high debt that I DO NOT OWE and they know that I dont owe it.

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