BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: Lennar Financial Services, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been shopping around for the best rate and my home builder wanted me to use Lennar Mortgage. I applied with them and they did a hard pull on my credit in late XXXX/early XXXX. I had been given an offer for a mortgage rate and then started working with other mortgage lenders to find the best rate. I was given a lower rate by one lender and Lennar asked me to forward over everything to see if they could beat it. On XXXX XXXX, they did another hard pull on my credit even though one was not needed to determine a quote. I raised a concern about this and was told by the loan officer XXXX XXXX XXXX XXXX, that they would have pulled one again before I closed if I went with them anyway so it's not important. I expressed that it was important to me and that I did not want to have multiple pulls on my credit from the same lender. Her response was that I signed an authorization and they could pull it as many times as they wanted during the home buying process. I had asked to be put in touch with her XXXX and over a week and a half later and multiple emails asking for the XXXX, I was put in touch with XXXX XXXX. She was extremely passive aggressive with this situation and said that its not like they will keep doing hard pulls on my credit constantly even though the authorization allows them to do so. I expressed my concern, that it sounded like a threat that they could purposely pull my credit as many times as they wanted and that they could sabotage my home loan with another company by doing so. She got very short with me and asked what do I expect them to do now that it has already been done. I asked her to remove them from my credit report and she informed me that she couldn't and stated that she wasn't even sure that was possible. I informed her I would be contacting the credit bureaus and disputing the hard pulls. Her response was short and rude. She again asked what I wanted them to do, and at this point, I knew that she really didn't care about her company doing this to me, so I ended the phone call.

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 2023-03-14
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:
I am writing to you to request your help in a matter related to a fraud that has occurred in my bank account. My XXXX XXXX account number XXXX was subject to an illegal withdrawal of {$12000.00} without my authorization from American Express. Although XXXX XXXX has returned the sum of {$4600.00} to me, they told me that the rest of the money must be returned by American Express ( A.E. ).

Unfortunately, I have had difficulty obtaining information from your company regarding these transactions. Even the police in Pinecrest, Florida, have been unable to obtain information and have had to go to a judge to obtain the necessary information ( subpoena ). I am concerned that A.E. is hiding the person who took the funds from my account. 

For this reason, I formally request that the funds illegally withdrawn from my account be returned to me. I have obtained the following American Express ACH transaction numbers from my bank, XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

I urge you to fully investigate this matter and find out why A.E. is covering up the scammers involved in this crime. I hope you can work with me to resolve this matter in a timely and fair manner. 

Please contact me through my email address XXXX or by phone at XXXX. I appreciate your prompt attention to this matter and look forward to your response as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: JPMORGAN CHASE & CO.
State: CO
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 reported a {$600.00} charge originally placed on my card XX/XX/XXXX as fraudulent back in XXXX. Chase Card Services removed the charge, cancelled my card, and issued me a new one. Later, they re-posted the {$600.00} to my account saying it was not fraudulent because there was a tracking number associated with the charge. I looked up the tracking number they gave me and realized it was an unsolicited piece of certified mail which I had received and signed for because I was curious what someone had paid to send to me. It was a normal piece of printer paper with a black and white picture of a tiger ( I took a picture of it but recycled it because it didn't seem important ). The certified mail had a return address in XXXX and said " XXXX  XXXX, XXXX '' but the tracking number indicated it was sent from XXXX, Arizona. I XXXX the XXXX address and it was an apartment building. XXXX XXXX XXXX does not appear to be a real company. The charge was through XXXX to someone named XXXX. XXXX doesn't have contact information for this person. Chase gave me an email address of XXXX. This does not appear to be a real person. USPS doesn't have sender information. I appealed the appeal to Chase and they continue to hold me liable for the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: AES/PHEAA
State: PA
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:
In XX/XX/XXXX I consolidated XXXX XXXX total amount should have been {$14000.00} & XXXX XXXX - total amount should have been {$9100.00}. the amount are incorrect. Loans were return back to the loan servicer from the school. which for some reason it is still showing I own the amount tht was return. I have been trying to resolve this issue with no help from fed loan. I have filed some many complaints. And the amounts are showing on my credit report. I have reviewed, my student data report shows the loans amount that was return. but fed state they have no record of it. 

I have a XXXX XXXX XXXX for XXXX but my credit report shows {$12000.00} XXXX return {$290.00} back to the loan servicer on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Per FTC sec 609 credit agencies are not validating my credit they are simply verifying my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
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: Reporting company used your report improperly

Complaint:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report does not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX, XXXX and Experian is reporting late payments on XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX, XXXX or Experian written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I get paid on the XX/XX/XXXX of each month and my credit payment XXXX of the month. so basically since XXXX they added {$140.00} dollars late fee. So i try to call and fix and get back to my {$75.00} a month payments and they say no pay {$300.00} and if not pay {$75.00} but we still gone charge {$38.00}. no real help like most companies wont let me change the dates or any adjustments to help me get back on track with payments. I contacted them to try to work something out XXXX & XXXX no help at all

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 2023-03-14
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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 Credit Acceptance has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

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 2023-05-10
Company: JPMORGAN CHASE & CO.
State: CA
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:
When I opened a business checking account, the Chase banker offered the credit card. I initially declined until she said its beneficial for separating business expenses for tax purposes. 
I did not hear back from Chase for quite awhile until they asked me to submit our XXXX. I did. Th ey asked me for a bill. Living in a military base does not give me a utility bill, which I explained to chase. 
On XX/XX/XXXX, I asked about the application. I was told I needed to submit my chase bank statement. I called. A second time because Chase never gave me information on how to send the document, the fraud agent told me to fax the document. I informed him I dont have a fax machine. He hung up on me. I called the 3rd time, the 3rd fraud person told me he will send a link. I told the person I spoke with I do not want another credit check. Then, Chase, though my personal account, notified me that a credit check was done on me for the 2nd time in 2 months that same afternoon. They never actually asked me if I wanted another credit check done on me. 

Today, XX/XX/XXXX, I spoke with the Chase credit bureau specialist, XXXX, who told me they are authorized to do multiple credit checks at their discretion, by the credit bureau, even if I expressly did not give my consent. 

This is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Green & Sons Agency, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Outsource Receivable Management disclosed my information to a third party on XX/XX/2020. They left a message on the third party phone that they were a debt collector trying to reach me. When the third party called them they released my name, the amount of the debt, what the debt was from, and the interest rate. The third party told them that they can not release this information and the manager said send me proof, are you going to pay this today or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXXXXXX " Child support Court '' has issued an late payment to my credit report for the total amount of {$420.00} without rendering me a fair chance of making the payment. My obligation of payments are $ XXXX  monthly which has been paid aggressively on time since 2007. Also! By law, late payments aren't allowed to be reported to the Bureaus unless amount owed are in the rears of an substantial amount or payments are neglected.

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 2023-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX, I was the VICTIM of Fradulent charges in My BANK OF AMERICA accounts ending inXX/XX/XXXX & XXXX. I Sent in documents to BOA, Police Report, Etc but BOA still refused to credit back my account, even after I did the proper procedure. I did these claims at least 3-4 times. When I notify BOA that I want documentation in writing of why they REFUSED to pay me back the funds that was taking FRAUDULENT from myself & told them I had a Lawyer, and wanted the claims re opened again for FRAUDULENT activity for the 4 or 5th time, They proceed to close both my accounts, for FRADULENT activity, 2 months later, Retailiting against me because I told them I had a lawyer since they wasnt paying myself the money back. BOA are taking peoples money including mine, they did NOT do a proper investigation on my claims & are trying to hold me accountable & refuse to give myself the money back. In my XXXX account it was a total of {$1800.00} ( give or take ) and {$950.00} in my account ending 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 2020-01-16
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Im continually contacted by individuals claiming to have legal documents that are being filed against me, or I will be arrested for Theft By Deception in regard to an old debt. The callers ask for me by my married name which I have not used since XXXX. The debt is one that the original creditor took me to court for in XXXX and I have heard nothing on the case since a date in XXXX where the creditor improperly garnished my bank account and the Judge found in my favor and I was refunded what was removed from my account. The debt has been removed from my credit report. 
The callers threaten me with having people come to my home and serve me legal documents, and have made claims that I have a warrant for my arrest for Theft By Deception. I have contacted local law enforcement and the court and no actions are being taken against me. 
I have requested several times for these calls to stop as I do not owe the debt. The collectors are very rude and accusatory. I just want the calls to stop, i do not owe this debt, and Im not paying them anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I feel puzzled right now XXXX I have no idea what is going on over there at the CFPB. Ive submitted this same complaint twice already but you still claim Im not the one submitting it. This to me is just foolish. So Im submitting it again hopefully for the last time. Experian has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account and public records listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the account and public records without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account and public records blocked/removed from my credit file per FCRA. 

XXXX XXXX XXXX, XXXX XXXX Bankruptcy XXXX, XXXX XXXX Bankruptcy 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 2018-08-10
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I recently opened two credit card accounts with chase. Both applications had to be manually reviewed before they were approved XX/XX/18 and XX/XX/2018. It took multiple phone calls to Chase to get the cards approved. I discovered on XX/XX/2018 via my account online page that all accounts were closed. I called the fraud department and they refused to reopen the accounts because of too many new accounts. I have never been late on payments and always complied with the credit Terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was sent a bank statement from US bank stating I had a business account with them, which I never applied for. When I called US bank they stated the line of credit was closed and the balance was XXXX. 

I also recieved a letter from XXXX XXXX regarding a recent application for a Credit card. I never applied for this card. I called XXXX XXXX and no account has been open. 

My bank account was hacked and {$13000.00} was stolen. I worked with my back to close and set up a new account and my money was retrurned 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