BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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/21 an ordr from XXXX for {$59.00} was cancelled but the charges went thru to my chase card ending in XXXX. I called chase 2x- first time spoke to XXXX who said she would cancel my card and issue a new one- ut would not reverse charges. I then called again and asked for a supervisor- waited 27 minutes- no supervisor responded. I have attached the email from XXXX indicating i would not be billed for the $ XXXX and proof chase billed me for such.I have made a complaint to the Washington XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-18
Company: DISCOVER BANK
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account was on automatic payment for almost 22yrs I lost my check book and account number changed in bank On XX/XX/XXXX the total balance amount paid in full {$130.00} On XX/XX/XXXX the bank returned payment and card company charge me {$29.00} fee On XX/XX/XXXX I had a call with the agent and requested to reversal {$29.00} as one time credit and she gave me the balance amount to be paid is {$130.00} I made the balance payment of {$130.00} and was thinking balance is XXXX and did not check the online statements but she never removed the amount and {$29.00} it was showing on my account for past 2 months as I was due Due to the agents wrong communication and miscommunication issues I'm suffering from credit rating loss and I worked very hard to bring my credit to good standing and always respect creditors money - and paid on time or before time Due to this minor communication issue the credit really damaged big time and I'm suffering from mental stress Please let me know how do I go by fixing this problem and request your good self to guide me Thanks a million

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
PayPal and several other companies have no customer service number today and rely heavily on technology. What a way to run a business and a lot of companies run a business like that these days. I can not get into my old PayPal account that I have not accessed in several yrs because I don't have the same phone number or information as i did 10 to 12 yrs ago. They ask me for my email address and than for my old phone number. What if whoever bought my old phone number could hack my stuff and do what ever they wanted. It creates an open door for identity theft. Is there laws or any statute of limitations as to how long a digital company can keep your accounts open. I have a XXXX account that's several yrs old and I can't log in to delete it and I don't want my pictures or my face out there and I feel stuck. And I have XXXX asking me for to verify a 12 yr old PayPal account. I can't go back that far and I won't. I can't even list anything on XXXX because of it. Privacy issues with expired information of several yrs can be an open door for hackers and identity thrives. MAIN complaint consumers can't access old accounts with out the same phone number or email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
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:
XXXX XXXX XXXX XXXX XXXX XXXX is still reporting a collection to my three credit bureau reports that is INVALID. There was a mix-up with my social security number and somehow someone with the name XXXX XXXX ' defaulted account was associated with my social security number. I was never involved or in any way responsible for this debt. I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX and have sent a letter to them requesting they remove this INVALID debt, yet they continue to report it. I have attached my identification documents to prove my name and social security number as well as the trade-line of the collection from my reports, and the letter I sent to XXXX XXXX XXXX XXXX XXXX XXXX. This has been adversely impacting my credit reports and my ability to get loans for years now and demand that this invalid debt get removed from my credit reports immediately

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 2019-08-08
Company: Ditech Financial LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech decided to pay our property taxes in full in order to get the 2 % discount. Our escrow was set up for quarterly payments. We found out what they did when we got our yearly escrow estimator. At first when I called, they said the town only sent them the lump sum amount. The town and XXXX both said that was not true which forced Ditech to admit it was their decision. We are asking them to go back to quarterly payments for 2020 and they are refusing. Lump sum would have been fine if the escrow account had been set up that way originally but it was not. We did not authorize this change and we do not care about saving the 2 %, it saves us less than {$100.00}. This is our money paying our taxes.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX Auto account # XXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX MO XXXX Mo 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XXXX Bank of America closed my account for no apparent reason. I have tried to get this issue fixed through numerous trips to financial centers and calling over the phone and each time i get a different answer. I have never had any negative business with Bank of America. I have held XXXX credit cards and my mortgage is currently with them. This is absolutely ridiculous. I recently attempted to open an account online to become apart of the preferred rewards program to use some of the perks when it is time for me to purchase a new home in XXXX. I got a message that i needed to go into a branch and present my ID. I did this and banker says she can not help me and that i need to call some phone number which starts the whole ferris wheel over again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: NY
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 has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX & XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # 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.

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 2021-12-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is a formal request for an investigation of this account 's creditor remarks, date opened, and date last reported. There is a possibility that this information may be 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 2022-04-29
Company: Experian Information Solutions Inc.
State: IL
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 submitted a 605b request to Experian in order to block fraudulent accounts that are on my credit report as a result of being a victim of identity theft. I provided all necessary documentation for the 605b request and Experian denied the request with no valid reason.

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 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to my XXXX XXXX car account, the entire car actual and monthly payment history is not showing on my Transunion account. This has been an ongoing and over and over event on another credit provider, where the account has been deleted and then various forms or not showing the actual monthly payments that were made

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 2017-07-08
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I will be looking for any other outlets I can report this company with. Normally, I do n't even bother writing reviews, but the service of this company is so poor that I felt obliged to. Like others, in the beginning I had received the 2 months past due warning without ever receiving information on how or where to pay, or even getting a first notice. But by far the worst part is the atrocious website they have. I am going to attempt to contact any of their managers and challenge them to take a person off the street and have them navigate the payment info on their site. Let me clearly state the flaws ; problems that any respectable company would fix immediately : 1 ) There are issues setting up recurring payments, where is does n't accept the pay date.
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2 ) If you set up a recurring payment, good luck trying to figure out how to cancel it. I had to call the representative on the phone to cancel my payment so that I could use a different bank account. And even then they made me go back to the website to fill out the new info, which was still not accepted.
<P/>
3 ) Ca n't find any billing information besides how much I have paid each month. I am an engineer, and I ca n't find my billing information on this website. Why on Earth would you not give people info like which bank they are paying from, or billing address, or anything.
<P/>
4 ) Since you ca n't see which recurring payments you have, it is possible and very easy to accidentally set up multiple recurring payments. I have been double charged because of this in the past.
<P/>
May XXXX help you if you are like the rest of us and have to deal with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed a letter on XX/XX/2021 that the Bureau was reporting inaccurate information in my credit report. Please investigate and promptly remove inaccurate, incomplete, or unverifiable accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my home in XX/XX/XXXX. My property survey submitted during closing indicated that my home was located in a flood zone that does NOT mandate flood insurance.

On XX/XX/XXXX, I was informed by my lender, PennyMac USA, that I was missing required flood insurance documentation and if I had not provided it by XX/XX/XXXX, I would be charged for lender placed flood insurance in the amount of {$2700.00}. I provided my closing docs as well as my survey and they said it wasn't enough. I then had to go directly to FEMA to provide me with a XXXX documentation on my property. FEMA told me I needed to pay for an elevation certificate to obtain this, which I did XXXX {$150.00} ), and long story short, FEMA confirmed that I was NOT in a mandated flood zone. In fact, their XXXX utilizes a flood map that dates back to XX/XX/XXXX.

I provided all the docs to PennyMac USA, but they still charged {$2700.00} to my escrow account, and are now refusing to refund me the full amount. They are claiming that I somehow had a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX, which is impossible. I never knew my home needed a flood insurance policy as per my initial property survey, and my lender is essentially trying to steal {$2700.00} for something I never needed ... which I have proved through and through. 

Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-16
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX account # 's XXXX, XXXX, and XXXX were all included in my chapter XXXX bankruptcy and have been paid. However they keep updating monthly and it is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Caliber Home Loans, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
to get this corrected since XX/XX/2021. I have called 18 times and provided documents and they still have not resolved the issue. They are charging additional taxes and they have the current tax bill which reflects the correct and current tax amount. They are refusing to get the tax disbursement correct. this is reflecting an escrow shortage on my account. I do not have an escrow shortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 XXXX Closed : XX/XX/2017 ... {$1700.00} This account is not mine. I've never done any business with XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, NH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


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 non-monetary relief
Consumer complaint received 2017-09-27
Company: Credit Management Services, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Credit Management in XXXX XXXX Ne, it was dated on XX/XX/XXXX and received the letter on XX/XX/XXXX, I called on XX/XX/XXXX to Credit Management requesting the documents of the statements of the charges happening sometime in XX/XX/XXXX and advised that I would like to have those sent to me so I could look and compare my bank statements and that the address and name is incorrect provided the correct information and then the rep gave me about 5 different dates and asked when did the credit management sent me out any information the listed off dates that they contacted me on phone but I never received any communication from them other that 1 year prior and called them and requested the same statements so I could verify the charges and if I paid them, I never received those the prior year, and the informed them how is that my fault when I never received the correspondents to review. I in the mean time contacted XXXX XXXX and they advised that they did n't have a outstanding balance and the XXXX hospital contact person never returned my phone call. I finally received the statements that I requested on XX/XX/XXXX with correct mailing address but incorrect last name, I was able to verify that the first charge that they were requesting was paid in full in XX/XX/XXXX by garnishment. the second charge was vague information and placed a call into the XXXX hospital and they returned a call today XX/XX/XXXX and that was verified that was not paid. made the payment to the Hospital and received a certified letter from Credit management today XX/XX/XXXX they placed a summons to my county court for that amount of both and explained that the first one is paid back in XX/XX/XXXX and the hospital was paid today and they stated to me that they will place a request in to XXXX XXXX to clarify and show payment and that the hospital one would need to be determined but I still owe them their attorney fees but I advised that the one was already satisfied and other paid and hospital did n't advised me to pay the credit management. and represented stated that its being submitted for review but filing fees was my responsibility. at no time or on the first statement they sent out did it give amount of time or on the documents that they sent out to me did it have you have xxx amount of days to pay the amount due or it will be pursued to court. Am I obligated to pay the court filings even tho 1 was already paid and never updated on their end and the second one was taken care of as soon as I received the information that I requested. oh this was all over XXXX which was safitifed back in XX/XX/XXXX and the other was XXXX and filing fees are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have concerns that my credit information is inaccurate and/or erroneous.I have official disputes on my credit file but my credit score remains in a adverse zone. I 'm seldom tardy with payments and am in good standing with all creditors.This whole system credit reporting system is nebulous at best and truly adversarial, invidious and punitive.Also, the imbroglio germane to the Equifax breach stings as well. Perhaps formal litigation is necessary to ameliorate and/or rectify the inequities in the credit reporting procedures and terminate their comfort level. The status quo is an abject failure.

Company response to consumer: Closed with explanation