BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-19
Company: JPMORGAN CHASE & CO.
State: OK
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 to (2) two Chase backed credit cards after being heavily solicited by both. The first was a Chase backed Southwest Airlines Reward card. I was denied but the reason says it was because I do not already have a "Chase" card. This makes no sense and I have an excellent credit rating 750+.The second was a Chase backed Marriott Reward card. I was denied but again the reason says it was because I do not already have a "Chase" card. This also makes no sense and I have an excellent credit rating 750+I am more than qualified based on my credit score, history, and income. I believe that I was denied credit based on my political affiliations, race, or other reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Hello there well i have a loan with regional finance, i was doing just fine. Till all this Came down, i was still paying them i was a couple days late but never as late so they can report, but they reported to my credit payment missed wen it wasnt even late, so laid about it, i was still paying them but. Then I wasnt working at all helping my family at home. 
Then they started to call, they have called me up to 206 times a day. 
Then they got the number of my mother, cause she had a loan there. And e started to call her.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Around XX/XX/XXXX, I have opened my first checking account with HSBC bank an "Advance checking account" after I have received an offer in my mail with a personalized code which i have used that advertised the following: "you will receive $XXXX bonus if you open an advance checking account before XXXX XXXX XXXX and deposit to the account a minimum of $XXXX within 30 days of account opening and Hold the funds in the account for 90 days as well as not having a previous account with the bank. then I will receive the $XXXX in about 90 days after i meet all the requirements."I have deposited a check of $XXXX  to my new account on XX/XX/XXXX which is one week after opening the account and I have maintained a daily balance of more than $XXXX from XX/XX/XXXX to XX/XX/XXXX and until today I have received no Bonus offer or anything. Initially I have met all the requirements of the offer on XX/XX/XXXX and I was supposed to get the $XXXX on or before XX/XX/XXXX. but it has been more than 8 months after I met all the requirements and still nothing. I have tried to contact HSBC on XX/XX/XXXX. to ask them for the reasons of them not giving me my bonus knowing that they still advertise it until today and I still get HSBC bonus offers to open a new account in my mail; but I was not able to get any explanation from them except from this "We show the requirements to receive the promotion were completed. As thepromotional funds were not placed in your Checking account, we haveopened an investigation into this situation."

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are 2 accounts that are fraud, they arent even with the particular companies and I Told XXXX XXXX and XXXX  and 3 XXXX XXXX  accounts about the problem. I sent proof over and the bureaus are still reporting the accounts. XXXX and XXXX says the account is in good standing and Trans union says that it is removed but i bought 4 new credit reports since then and i still see them! According to 3 consumer laws these accounts should be removed due to fraud and not belonging to me. XXXX and XXXX Inqiry on Trans union need to be removed. These accounts need to be blocked and removed, i called these companies several times and these need to be permanantly removed for fraud. Trans union and XXXX claim to not have gotten all of my documents that I sent over and I got tracking numbers from the usps and receipts and no one is helping me at all. How are these things on my report when the fraudsters went to jail, im so confused.

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 2020-10-26
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
HI I filing a complaint against the credit bureaus because I made several disputes to them regarding my concerns and they are not following the laws. They have not provided me with any of my investigation results.. I sent out several letters explaining to them my concerns with whats on my credit.. I also sent out a 30day demand letter and they still aren't complying with the law.. This is a violation and dafamation of my character..

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 2020-10-26
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
HI I filing a complaint against the credit bureaus because I made several disputes to them regarding my concerns and they are not following the laws. They have not provided me with any of my investigation results.. I sent out several letters explaining to them my concerns with whats on my credit.. I also sent out a 30day demand letter and they still aren't complying with the law.. This is a violation and dafamation of my character..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
( XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX, has violated my rights US DEPARTMENT OF EDUCATIONXXXX XXXX XXXX, has violated my rights US DEPARTMENT OF EDUCATIONXXXX XXXX XXXX XXXX has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX  xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights 15 U.S.C . 1681 section 602 A, states I have a right to pricacy.

15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Experian Information Solutions Inc.
State: CT
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:
Hello, I am not sure where to file this complaint but please forward to the proper personnel. 

From XX/XX/2019 until XX/XX/2019 I applied for a mortgage. I started with companies like XXXX XXXX and XXXX thinking I would shop in one place for the best rate. I was not aware that my credit would be subjected to so many hard inquiries subsequently decreasing my credit nearly XXXX points! 

My credit history in recent years has been very good with years of on-time payments and loan pay offs. I do not believe these inquiries should have been made but, I also do not believe I should be punished so severely for simply shopping for a good mortgage rate. I believe these hard inquiries should be grouped together and not affect my credit score in such a negative way. 

Please look at my Credit Report as well as my wife 's, XXXX XXXX, and you will see periods of time where inquiries should be grouped together and not affect our credit so much. 

Thank you, 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 2019-08-19
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare, LLC is a mortgage lender who makes loans secured by real estate in New York, including the law requiring it to pay borrowers a minimum of 2% interest on money put in impound escrow accounts. LoanCare appears not to do so, and the complaint claim that the company has violated New York's Unfair Business Practices Act and breached its contracts.1) I kept asking Loancare to remove me from having an escrow account and wanted to pay the property taxes and insurance myself. They refused to comply with my request, stating it was mandated. When asked to show where this is specified, no one provided specifics and my follow-up requests were ignored.My account history shows the following:XX/XX/18 $XXXX Interest on Escrow applied and then deductedXX/XX/18 $XXXX interest on escrow, but it's not applied.I called Loancare stating that the escrow was not paid and asked they correct it and apply interest on escrow towards the principal. Specifically, to NOT place it in escrow, as I was continuously trying to get Loancare to remove me from having an escrow account, so that I can pay the taxes and insurance myself. They did not comply.

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 2020-12-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I purchased a trip with XXXX  company to travel to XXXX in the amount of {$2200.00} back in XXXX of XXXX. The travel time was in XX/XX/XXXX which the pandemic just started. I called my credit card company to dispute the charge because I can not travel outside of USA at that time. However, XXXX challenged back to my credit card company and I lose the dispute and was charged the full amount, with the promised from XXXX  to give me a credit to travel up until the end of XXXX. The credit card company then charged me the amount of {$2200.00} back in XX/XX/XXXX saying that I lose the case. However, XXXX  recently emailed me stating that they are out of business, and told me to claim my refund via my credit card company. This has been about a month now, I send all the email that I received from XXXX  stating that they are out of business and would like them to re-open the dispute charges. According to the credit card company rules, they can not re-open the charge because they already did it once and lose it to XXXX. XXXX  emailed me back to say that I now have to file a claim saying that they can no longer provide any more service and it is under " services not rendered ''. please get back to me asap regarding this claim. I have all the document from XXXX. I can provide all the document via email as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I wondered why my balance was not going down. I know I have a large balance, but I have been paying {$600.00} plus payments for months. I looked at the back of my statement to find that I have been charge for XXXX protection plan. The charge was {$210.00}. I called Citibank and they referred me to XXXX. I call them and told them to stop taking out the payment. I asked them when I agreed to this plan and they told me XXXX of XXXX. I do not recall ever signing up for this program. I called XXXX again and asked them to send me some kind of paperwork where I agreed to this plan and I have yet to receive any thing from them. This was the end of XXXX XXXX. I have been charged for this protection and I know I didn't sign up up it. I was paying so much that I was not going to add to the payment.

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 2019-06-26
Company: Premier Holdings
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/19 my sister ( on business in California, from another state ) texted me to inform me she received 5 phone calls from Premier Holdings. I had not seen or recognized the number on my caller ID. She sent me the number. I called. They transference me to a XXXX XXXX XXXX informed me of an very old credit card debt that I am not aware of. I asked her why she called my sister so many times and informed her I have no outstanding debt within limitations of Florida law. She informed me she could call the XXXX if she chooses. I find this harassment of both myself, my sister and my religious beliefs. I asked for the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
My credit score has been penalized by minus ten points for no fault or any choice made of my own but for the unfair practices and scoring model of TransUnion. 

Financial institutions often sell mortgages and loans to other Financial Institutions and then close the accounts without the consumer having any saying or any choice in the process. My mortgage first originated in 2002, the oldest record from a financial institution that showed in my record that was sold to another mortgage company years ago has now expired and erased from my credit history because of that TransUnion punish me with 10 points deduction despite that I have been paying every bill on time and that I have been working hard at trying to increase my credit score over the last several years, yet I keep being push back by the UNFAIR scoring model of TransUnion. I demand that TransUnion ( and all three credit score bureaus ) make the proper adjustments to stop punishing the credit scores for reasons that are not the fault, or that are not a direct choice or action taken by the consumers. 

How is it a fair reporting of a consumer credit history to be punished for reasons well beyond the control of the consumer?

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 2019-08-19
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:
The credit bureaus are reporting erroneous information on my credit file.

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 2019-08-19
Company: Specialized Loan Servicing Holdings LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Per a 2nd Judicial District Court of New Mexico Court Order, the order states the "mortgage and note are unenforceable."  Case is closed. *  XX/XX/XXXX – Denied Motion; Order On Plaintiffs Motion For Clarification Or Relief From Order Of Dismissal*  1XX/XX/XXXX – Case Dismissed With Prejudice; Order On Statute Of Limitations DefenseSpecialized Loan Servicing continues to harass me.  On XX/XX/XXXX, a field representative posted a notice stating the home was "found to be vacant" and "it is likely that the mortgage holder will have the property secured and/or winterized within the next few days."  The house is obviously occupied.  I called XXXX and spoke with XXXX on Monday,XX/XX/XXXX and let him know the home was occupied. I have sent multiple letters with electronic and signature delivery to Specialized Loan Servicing over the years, and they continue to the harassment.  Please advise them to stop all collection efforts, harassment, etc.  Additionally, in XX/XX/XXXXthey assigned the account to a company called XXXX, I sent XXXX a QRW (letter language attached below).  Now Specialized Loan Servicing is stating the account is coming back to them from XXXX.  Please advise Specialized Loan Servicing to stop all communications, as this mortgage and note are no longer enforceable.

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 2018-04-27
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Theres 2 separate instances.

The first, I submitted a dispute because I got a table and it broke minutes after the drivers left. I provided as much documentation as I could. They didnt even call the merchant. My dispute ended up being denied.

The next one. I got some hair. It was defective and ended up a tangled mess 2 days later. A professional hair dresser advised me to get a refund. The company wouldnt do it, so I went to my bank. The bank denied this as well, even though I provided ample documentation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt was removed from other reports but Experian. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX {$330.00} Balance updated XX/XX/2021 2021

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 2021-12-17
Company: FIRST PORTFOLIO SERVICING 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:
My score drop a XXXX points say that I applied for credit cards.I did no such thing I only applied for XXXX XXXX and XXXX  XXXX credit cards.my purse was stolen from out of XXXX XX/XX/2021 every since then I been seeing inquiries on my credit report I been trying to dispute them but not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: BSI Financial Holdings, Inc.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My lender is asking for documents that dont exist, such as property insurance bill which is handled by them ( lender ) and I do not have, as well as the fact that they asked for documents on XX/XX/XXXX and set a deadline for XX/XX/XXXX not nearly enough time for me to send all documents requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The credit score is based on outdated and incorrect data and drops drastically instead of increasing as it should based on facts. The credit limits they show is wrong, the balances they show is incorrect and the usage is incorrect. When you attempt to dispute the facts they do not offer direct means. I have documentation showing they are wrong and have unfairly treated 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