BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-22
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Tried refinancing my mortgage with my current mortgage company, XXXX ( recently acquired by Freedom Mortgage ). I was told by both the loan officer and loan processor that I can use my payment from XXXX towards the closing costs of the loan. We closed on XX/XX/XXXX, the loan processor assured me that no payment was needed to be paid for XXXX as my loan was going to be funded and would cover any outstanding amounts. On around XX/XX/XXXX, I received a message from both the loan processor and loan officer saying that I was not going to be able to refinance my loan because the loan didnt fund on time and I had a late payment on my account. They reported XXXX as late to the credit bureaus, lowering my credit by over 80 points. I was also told that I wouldnt be eligible to refinance my loan for another 6 months. I spoke to one their VPs and he assured that they would fix the mistake as I had followed all their instructions and it was their fault that this problem had happened. They removed the negative mark from credit report and assured me that we were going to be able to go through with the refinance. I filled out all the paperwork for the new refinance and was waiting for a new closing date when yesterday I received a message from a new loan officer saying that they will not honor their promise to allow me to refinance because of the missed payment in 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 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have contacted Transunion multiple times about the fraudulent inquiries on my account, I have sent them an FTC report, and still they do not try to help me or provide any resolution.

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 2019-08-02
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On or around XX/XX/2019, I logged into AMEX online account to review my account. Upon reviewing my account, I noticed several transactions performed on my account that were not authorized by me between the dates of XX/XX/2019 and XX/XX/2019 for a total of {$190.00}. The following represents transactions that I am aware of or provided consent to anyone to conduct on my behalf : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was denied a signup bonus ( XXXX points ) for a new American Express Platinum account. I was denied on the grounds that I already had the card, but I have never actually had it. I had a different variant ( XXXX ) for two years but this is a different card with a different product name. 

Further, American Express never told me I wasn't eligible on sign-up. Usually, the company notifies me with a pop-up window.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions 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:
To whom it may concern, it have come to my attention along with multiple data breaches that their is an officer, employee, credit agencies and systematic programs of reporting agencies who are knowingly, intentionally and willingly providing unauthorized inaccurate bias information regarding an individual not of " subject '' status credit report to other parties and employers. Soley with the intent of sordid gain and to deny a particular individual/group of people credit, employment, loans, housing etc. There is a major violation in affect of the Fair Credit Reporting act which prohibits such acts and all perpetrators shall be fined under Title 18 U.S.C, imprisoned for no more than 3 years or both. All unethical treacherous dealing shall immediately be ceased. This statement further serves as demand that their be an investigation of this matter, the numerous data breaches and the due diligence to provide me the results of the investigation forthwith.

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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.

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 2023-04-22
Company: Experian Information Solutions Inc.
State: MO
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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Remove the following items : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Someone who is not me used my email address for a checking account and debit card with Chase. Chase has been sending me notices, including most recently a fraud notification notice, to this unvalidated email address. Although the account is not tied to my SSN, I am deeply uncomfortable with Chase sending fraud notices to unvalidated email addresses! Please follow up with Chase to let them know that they are putting their customers at substantial risk! 

( I am a Chase credit card customer, but do not have a debit card or checking account with them. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: NJ
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:
This is my 1st Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is my 1st Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 2019-03-17
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018 I purchased a tablet, keyboard, and stylus and paid additional for expedited shipping online at XXXX. The cost of the tablet was {$500.00} and the cost of the expedited shipping was {$18.00}. The total purchase price was {$550.00}. I used XXXX to complete the purchase which was charged through my Discover Card. On XX/XX/2018 I received the keyboard and stylus but not the tablet. I contacted the merchant about not receiving the tablet and they claimed they were out of stock and that it would ship on XX/XX/XXXX. On XX/XX/XXXX the tablet still had not shipped and I contacted the merchant again and they stated the expected shipping date was now XX/XX/XXXX. On XX/XX/XXXX the tablet still had not shipped. I opened a claim with XXXX that I did not receive my entire order. The merchant provided to XXXX the shipping information for the keyboard and stylus only and XXXX chose to resolve in their favor. I then proceeded to open a claim with Discover Card. I provided them with complete documentation showing my correspondence with the merchant about not receiving the tablet and the merchant acknowledging they had not shipped the tablet. However, the merchant proceeded to provide the same shipping information to Discover that the keyboard and stylus were shipped and Discover resolved it in their favor as routine practice. I contacted Discover again on XX/XX/XXXX. Upon reviewing the documentation they claimed they would reopen the dispute as it was routine practice for them to resolve in the merchant 's favor as long as a tracking number was provided. They had not even bothered to inquire as to whether the entire shipment had been sent. I had explained to them numerous times that the keyboard and stylus that they shipped are useless without the tablet as they will not work with any other tablet. This is tantamount to purchasing a car and the dealer only giving you the keys to the car but never delivering the actual car. I had even offered to ship back the keyboard and stylus at the merchant 's expense since they were unable to provide the actual usable product which was the tablet. It has now been almost 4 months that I have been trying to resolve this through all the applicable channels through XXXX, XXXX, and Discover. All 3 companies have been extremely dishonest throughout the entire ordeal. For all they care, I could have been shipped an empty box with a tracking number and they continue to uphold the charge as valid. Also, because I opened a claim with my credit card company, the merchant has indicated they now have no intention of ever shipping the tablet. Basically I got scammed out of {$550.00} because the merchant knows how to game the system with the credit card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Consumer Portfolio Services, Inc.
State: OH
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:
This is my THIRD time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX # XXXX -XXXX # XXXX, XXXX # XXXX, -XXXX XXXX, XXXX. # XXXX, -CONSUMER PORTFOLOI SVC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
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:
To whom it may concern, it have come to my attention along with multiple data breaches that their is an officer, employee, credit agencies and systematic programs of reporting agencies who are knowingly, intentionally and willingly providing unauthorized inaccurate bias information regarding an individual not of " subject '' status credit report to other parties and employers. Soley with the intent of sordid gain and to deny a particular individual/group of people credit, employment, loans, housing etc. There is a major violation in affect of the Fair Credit Reporting act which prohibits such acts and all perpetrators shall be fined under Title 18 U.S.C, imprisoned for no more than 3 years or both. All unethical treacherous dealing shall immediately be ceased. This statement further serves as demand that their be an investigation of this matter, the numerous data breaches and the due diligence to provide me the results of the investigation forthwith.

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 2023-04-22
Company: EQUIFAX, INC.
State: ME
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by the federal law to verify - through physical verification of the original accounting records and signed consumer contract any and all accounts you post someone's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email you fraudulent account information.

Therefore, I'm demanding to receive verifiable proof of the ( original accounting records & signed contract ) for the files of the accounts listed below. Your failure to positively verify the accounts has hurt my ability to obtain credit cards, a property rental, car loans, home loans, pass employment credit checks, utilities, etc. along with getting other basic livelihood necessities.

Under the FCRA, unverified accounts that are not 100 % accurate must be deleted and removed.

Also, these negative accounts below may either be inaccurate, old, inaccurate data between bureaus, not updated, paid in full, paid, closed, paid out by insurance, double dipping collectors, charged off/written off taxes, settled, inaccurate addresses, {$0.00} collections open balances, permanent disabilities act discharge, identity theft, for profit school fraud loan discharge, fraudulent submissions by loan or collection companies, inaccurate phone numbers, inaccurate name spellings, etc.

Under the FCRA, unverified, fraudulent, invalid accounts must be removed and deleted. If you are unable to provide me with a copy of the verifiable and validated proof that you have on file within a 30-day calendar days from receiving this notice for the account listed then you must remove and delete the account from ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) credit reports. I demand the following negative accounts be verified or permanently deleted immediately. The law is very clear on the available remedy to me for violating Section. 617. Civil liability for negligent noncompliance, if you fail to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions 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'm a victim of credit fraud my identity has been compromised. I don't recognize these inquires please remove from my account. I have a freeze on my report. Please remove these inquires please review the list below. 

XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dispute this XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MI XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,, XXXX, OR XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Filed bankruptcy XX/XX/XXXX attempted to reach a reaffirmation agreement with NMAC, which company presented to me with addition of late fees for the time period following my bankruptcy petition and had me set to default upon reaffirmation. I was advised against signing due to NMAC 's unfair and deceptive terms. 
In XX/XX/XXXX, while my bankruptcy was still pending I was sent a Notice of Default which included a notice of attempt to collect a debt, demands of payment in full including interest, late fees and other charges ( excess amounts are not allowed without a reaffirmation agreement ) The letter further stated that payment must be received within 10 days of receipt of notice or company would repossess the vehicle. obtain a deficiency for any remaining balance upon sale and be subject to negative credit reporting. 
The following month NMAC removed this account from my credit report with all credit beurues, instead of listing account as closed and included in bankruptcy petition. Account removed completely as if it never existed. 
My bankruptcy was ordered discharged and closed on XX/XX/XXXX and NMAC was one of the creditors listed on the notice of discharge to receive automated notice as a discharged debt. About a week later I received another notice of default letter from them with the same statements as the one received in XXXX. 
Account is still missing completly from all 3 credit bearues reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Timeline : XXXX Received a missed call today XX/XX/XXXX at XXXX from XXXX XXXXXXXX stating that Chase bank is calling from fraud prevention regarding my Amazon Prime Credit Card application, that I just applied for yesterday XXXX  XX/XX/XXXX. 
XXXX I called back using the reference number they game, as I am in anticipation to receive benefits from this card. 
XXXX  I provided them some personal information such as SSN and cell phone but hung up when other personal information as asked.

Company response to consumer: Closed with explanation