BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Dear Chase Bank, After reviewing my records with XXXX  ; I noticed that a checking account that was opened fraudulently is still being reported as having belonged to me. I believe this account either belonged to an individual with a similar name that lived in the same city that I used to live in or somebody fraudulently used my information without my consent. I am requesting that you immediately cease reporting of this account and that you purge all my information from being linked to the closed checking/savings account. Failure to do so will result in legal action taken against your company/bank in small claims court. I have never had a checking account with Chase. If you have proof that I was the individual that somehow opened the account in question, please provide me with all the evidence for review so that I may provide an appropriate response. 

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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 have been getting repeated letters from BOA about getting a credit card that I didn't apply for. The latest was on XX/XX/2022, reference number XXXX. I have summitted a complaint and have asked the company repeatedly to fix the problem. They need to check an on line application to see if there is already an account at BOA with the SSN provided and then immediately text, email or call the user to see if they submitted a request BEFORE pulling a credit report that will affect that user 's credit rating. BOA seems unable to understand the problem and they should call me at XXXX to get it right. I have had to set up accounts with the credit bureaus and freeze credit reporting to keep this from happening.

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 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
I have been trying to dispute negative and inaccurate items on my credit report with all 3 bureaus for over 50 days now. I have not gotten a response from any of the three. I have sent multiple letters off to each of them. Even providing facts and quoting laws and codes from the FDCPA. It has been 59 days now and I have not heard anything from these bureaus or seen any changes to my credit report. This is wrong and unlawful. I am demanding the negative accounts and information be deleted from my credit report. You will see all of the inaccurate accounts in the letters I have attached. The bureaus are violating FDCPA section 807. They have also failed to respond or investigate my disputes within a timely manner. This behavior is completely unacceptable. It is restricting my family and I from living our life comfortably.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I rented an old XXXX XXXX from XXXX XXXX XXXX XXXX  and returned it with a damage on the windshield about the size of a dime. The car rental then charged me {$450.00}. I agreed to pay the damage through my credit card that I used to rent the car. The credit card policy states that rented car damage ( s ) is covered when I use the credit card for car rent payment. So it's up to the credit card to approve the claim by XXXX XXXX XXXX XXXX. But XXXX XXXX XXXX XXXX  and its collector XXXX XXXX XXXX asked me to pay for the claimed damage. As in an accident, parties exchange insurance information by which damage will be claimed and processed by insurance companies. XXXX XXXX XXXX XXXX did not follow the calim procedure and proceeded the collection through its XXXX XXXX XXXX that the original amount {$450.00} was then increased to {$1600.00}. They then sent the collection to report agencies to damage my credit. I disputed the report 's inaccuracy and malice which XXXX removed it for about a year but then reports the negative collection again. I recently called XXXX to remove it mentioning that it was removed before and by Code of Civil Procedure 337, the report violated state of limitation. CCP 337 sets the limitation of collection report to 4 years with the clock starting to tick as soon as " you '' miss a payment. As in the email, the amount was tranferred to collection on XX/XX/XXXX and reported XX/XX/XXXX. So by the 4-year limitation the collection and its negative report should be stopped on XX/XX/XXXX or XX/XX/XXXX. But XXXX report shows that it stays until XX/XX/XXXX. That is unlawful act by CCP 337.

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 2022-09-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: PHH Mortgage Services Corporation
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced the Mortgage that I had with PHH Mortgage back on XX/XX/2015 almost 3 years ago. They never provided me with a lien release & stated that they mailed it to the county along with a check for the county to record the reconveyance. I simply asked for a copy of the recon and they said they lost it when they shut down the office that was preparing the documents 3 years ago. They said it can take up to 30 days to produce a duplicate. They want me to make my payments on time but yet I have to wait 30 days for a document that should have been sent 3 years ago. I find this totally unacceptable. I also asked for proof that the county cashed the payment. XXXX said she can not get me that information. I feel that they are purposefully not being honest with me. I started this process 4 business days ago & nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, 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:
On XX/XX/2022 a mortgage company did a hard pull on my credit through XXXX XXXX without having my consent. I had no intentions of refinancing my mortgage loan as the interest rates were as high as XXXX XXXX. I was not aware that a hard pull was down on my credit until after XXXX when I reviewed my credit information on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Credit Karma, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card through credit karma who claimed that I had been pre-approved for an offer ( this actually happened more than once! ). However, after submitting my application to XXXX XXXX, my application was denied and my credit score fell by XXXX  points. I waited to get my reason for denial in the mail and was told that my revolving credit amount was too high... understand. But, why did credit karma trick me into thinking that I was going to be approved in the first place? Making me think I had been pre-approved, and since they obviously should know my credit score, I trusted them and got burned. Big sad face!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Dovenmuehle Mortgage, Inc.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the second time in three years Dovenmuehle Mortgage is threatening to buy additional flood insurance on my condo and charge me. I have twice sent them the association flood policy on the building which is at full replacement cost which includes my unit, yet I got a second notice from them last week. As with two years ago when they bought a policy in my name and then cancelled I had to complain to get them to back off. The replacement on my cube of space would only be XXXX which is what my property insurance values the interior. The ACV is more than the replacement cost of the my condo. My loan with Dovenmuehle, which they bought, is for around XXXX which is what I think they want me to purchase. This can not be done since that insurance does not cover more than the value to replace. If I were to purchase a policy, which my agent say 's doesn't make sense it would be duplicate to the Association policy. I am sure they will tell you that they are only looking after my best interest per FEMA as they did last time. They say the may charge me so I am trying to get ahead of their threats. I have had problems with them in the past on this issue and escrow. They do not service their loans well that they purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2016-06-28
Company: ENCORE CAPITAL GROUP INC.
State: MT
Product: Credit card
Issue: Other

Complaint:
CFPB entered into a consent agreement with Midland Credit Management ( MCM ), which MCM is now violating. MCM agreed to stop attempting to collection efforts and made settlement restitution in some cases but has resumed collection efforts. This was a phony claim to begin with. My claim number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10
Company: Leap Credit, LLC
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In XX/XX/XXXX, I applied for and received a loan from Leap Credit. The interest rates were high, however the payments were made for the account. On XX/XX/XXXX I received an email stating Leap Credit had reduced their rates, and in line with the change I would be receiving a refund in the amount of {$600.00} to be processed immediately, and I would receive it within 2-3 business days. There was no prior notification that a refund would be issued, and if there had been I would have informed them that the bank account used with their company was no longer open. I placed a call to Leap Credit on XX/XX/XXXX, and indicated that the refund was never received and the issue of the bank account on file being closed. I was told the information had to be reviewed by another department. I received an email asking for a bank statement to verify that I never received the refund. Again, the bank account was previously closed, and therefore I do not have and do not receive statements for this. I called again to let them know this. I was told the information would be reviewed. I did not receive an update, and called back on XX/XX/XXXX. I explained the situation again, and at the time the representative took my new bank account information to save instead of the old, closed account. On XX/XX/XXXX I contacted their customer service again, and was informed there were in fact 2 refunds issued, one for {$600.00} in XX/XX/XXXXbut also one for {$140.00} in XX/XX/XXXX that I also did not receive due to it being sent to that old, closed bank account. I was told in their system the payment of {$140.00} did show as returned to them by my bank, but the {$600.00} did not. I was advised yet again that the finance department would review the information, but until then I would not even be reissued the refund that they could clearly see I did not receive of the {$140.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
transunion has had XXXX/ XXXX  reporting twice on my report, I only have 1 an this is same account one has to be removed, 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 explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
I was affected by the security breach at Equifax and am vet angry. I want credit monitors for my life time and not just one year. Any criminal will wait it out one year and then I am at risk. This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bayview / XXXX XXXX XXXX XXXX XXXX are attempting to foreclosure with an assignment that is clearly fraudulent. The person signed after the cut of date of pooling and service agreement with SEC the alleged trust that is was placed in. The assignment was signed by a Lawyer that was actually the foreclosure Attorney in XX/XX/2010 he sign as President of XXXX. He was not the president of this company, therefore this assignment is tainted and fraud cant be the based of obtained a deed. I have also mailed s request for a loan modification and they havent responded. I also made calls and all had been to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: JPMORGAN CHASE & CO.
State: MD
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:
On the XX/XX/2018, I received a text message on my phone that someone had been used my credit card to purchase something at XXXX XXXX with amount of {$3900.00}. I declined already but XXXX XXXX still took my money out. I reported to the XXXX XXXX to do the investigate but they won't give back my money. 

XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Amount charges : {$3900.00} Last 4 digit SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Colony Brands, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account was opened XXXX with Ginny 's. The account is using a Florida address that showed up on my credit report. I did not open this account and do not live in Florida. This fraud account shows I owe XXXX and that I am XXXX payments behind. It has negatively impacted my credit score. I want the fraud account closed and have this wrong information removed from my credit report. Have tried calling Ginny 's and they are of no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They call while at work and early in the morning before work... I don't know the exact dates and time but I will keep track of the calls for now on!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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