BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I noticed on my Chase Mobile app that several large ATM withdrawals were made on XX/XX/XXXX that were not authorized. I called Chase immediately on XX/XX/XXXX at XXXX to report the fraudulent withdraws and told them that my card was stolen and I was given a different individuals Chase debit card instead of mine. The closed the debit card immediately and I requested a new card to be sent. 

The transactions were made at the following locations in XXXX at Non-Chase ATM 's : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I later received a XXXX message from an individual stating that he had my card and we had realized that our cards had been swapped unknowingly by someone not associated with either of us. This individual and I have never met before. His name is XXXX XXXX ( XXXX ) XXXX. I had a police officer from XXXX XXXX, IL call me to ask about XXXX fraudulent charges on his debit card and I stated that I have never been to XXXX XXXX nor did I know where that city was located in IL. 


Below are the fraudulent withdraws from my account : NON-CHASE ATM WITHDRAW XXXX XX/XX/XXXX {$23.00} NON-CHASE ATM WITHDRAW XXXX XX/XX/XXXX {$45.00} NON-CHASE ATM WITHDRAW XXXX XX/XX/XXXX {$320.00} NON-CHASE ATM WITHDRAW XXXX XX/XX/XXXX {$420.00} NON-CHASE ATM WITHDRAW XXXX XX/XX/XXXX {$500.00} NON-CHASE ATM WITHDRAW XXXX XX/XX/XXXX {$500.00} The total amount {$1800.00} I received a letter no XX/XX/XXXX from Chase dated XX/XX/XXXX that they closed the claim and stated that they found the transaction ( s ) was processed correctly or was authorized and that they were going to remove {$1800.00} from my account on or after XX/XX/XXXX. The last time I used this debit card was on XX/XX/XXXX at XXXX XXXX # XXXX XXXX XXXX IL XXXX for {$9.00} I have filed a police report with the XXXX Police department and below are the details : INCIDENT : DECEPTIVE PRACTICES REPORT NO : XXXX IUCR CODE : XXXX DATE/TIME OF OCCURENCE : XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-22
Company: EQUIFAX, INC.
State: DC
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:
I am complaining today on Equifax Credit Reporting Bureau regarding a disputed account within my credit report by the name of XXXX XXXX XXXX XXXX. account ending XXXX which I have provided proof to Equifax with a long-standing investigation that was completed but NOT resolved by Equifax. I have submitted pertinent supporting evidence that real time resolution was erroneously reporting false and incorrect information to my credit. I have further submitted documentation provided from XXXX XXXX informing me through Consumer Financial Protection division that they will remove all past and future reporting. I have received a deletion from my report with XXXX  and XXXX  regarding XXXX XXXXhowever   Equifax has not followed the other two bureaus deletion which as per my rights under fair credit reporting act, I have a right to dispute incomplete or inaccurate information. 

Equifax is causing me undue stress and adverse hinderance that is causing me hardship with refinancing my current mortgage. Furthermore, Equifax has completely shut me down and locked me out of their system from providing any future disputes thru electric methods. I have even tried to reset my password in XXXX of 2020, and still cant get through to them. Equifax had written me and asked me to provide them with a copy of my drivers license and my social security information to prove to them, that I am who I proclaim to be which is utterly suspicious activity to me. I am totally unable to verify who I am electronically due to Equifax locking me out of their system and unable to log in what-so-ever. 

I am requesting that CFPB enforce Equifax to delete real time resolutions from my report based on the proof that was provided to them before they enabled my previous disputes. Further to allow me with access back in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted Transunion multiple times over the last months. I have used fax, phone and mail to dispute inaccurate items being reported on my credit report. I have also sent paperwork they required with no results in reference to the non permissible inquiries on my credit report. 

XXXX XXXX XXXXXX/XX/2022

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 2021-05-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This vehicle was paid by insurance claim was unaware of any other charges this account has also been on my credit report for 8 years and 11 months as closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Discover has violated 15 US 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Mr. Cooper Group Inc.
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm having trouble getting my name added as successor in interest on documents mortgage.I was deeded property before death by my grandmother..but there's a mortgage my name is XXXX XXXX XXXX XXXX There's also an escrow amount for taxes and insurance I pay the taxes and property insurance on sed real estate so why am I charged {$310.00}. XXXX a month making my total payment {$1300.00} I don't understand when I pay these privately. That {$310.00} needs off my mortgage please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My ex wife forged my signature in 2010 on an existing loan to facilitate the loan modification which I did not sign or consent to. 
The mortgage company PHH has accepted this forgery as legitimate and remodified the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
State: PA
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 recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I was granted from XXXX XXXX a removal of a 30 day late from my credit report. The letter of approval for this action is XX/XX/2023. It has not been removed.

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 2023-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 was signing up for a capital one credit card and was instantly declined despite having good credit, gave me no reason and proceeded to do a hard credit check and add another hard equity onto my account despite being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I made my final monthly payment of {$1400.00} on XX/XX/2021, within the grace period of 15 days, according to the loan agreement. My loan servicer Caliber Home Loan is not closing out my loan, but billed me a late fee of {$74.00}, a loan release fee of {$180.00}, and some amount of interest. 

I asked them to remove the late fee of {$74.00}, and they refused. 
I asked them to break down the loan release fee, and they refused. 

I have made all of my monthly payments on time, and now, they just want to stick me with all these bogus charges. I contacted the representative with ID # XXXX, and asked for his manager, and no manager was available to talk to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: MD
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:
I just went to both Equifax and XXXX XXXX Websites to dispute the fraudulent account that was just placed on my credit report ( s ) by XXXX for an account that has been disputed multiple times in the past and removed, but apparently the originator has once again sold it to a different collection agency instead of removing it completely because it is fraud. This time I am also going to file a complaint with the MD   Attorney General 's Office of Consumer Protection. 

Equifax and XXXX, first please get your XXXX to fix your websites, so that, in the age of covid-19, people can file disputes online vs getting an error message to call a customer service number that is likely overwhelmed by lack of staff support. 

Second, the XXXX account is the account, as said above, that I have disputed multiple times and it was removed from my credit reports because it is fraud. Please remove the fraudulent account from my reports immediately. 

Stay safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX SERVICES XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 FIRST XXXX BANK XX/XX/2022 CAPITAL XXXX NA XX/XX/2022

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 2022-12-17
Company: Lawson Hamilton & Associates
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LAWSON HAMILTON AND ASSOCIATES is attempting to collect a debt on behalf of a medical provider that I do not owe. The charges calculated by the provider 's medical biller are false. I informed my provider of the bills I began to receive from his medical biller years ago and inquired about the validity of charges. He informed me not to worry about it. Now, I have a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection notice for debt that does not exist by an entity that is known for fraudulent claims collections. This was dated XXXX for the amount {$13000.00}. The name addressed is not correct either. I also contacted the company the supposed debt was for and they had no record of any such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have never used XXXX  and i received a payment collection from Source RM for {$370.00}. 

I called XXXX and there is no active account under my name.I am suspecting this could be a result of my identity theft happened on XX/XX/2018 2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I checked my credit report and saw a few fraudulent accounts on my report. The acounts are as followed : EXPERIAN XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$1200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5700.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$3200.00} OPEND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$4100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6400.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$2800.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$2900.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1100.00} OPENED XX/XX/XXXX XXXX XXXX   XXXX {$1900.00} OPENED XX/XX/XXXX XX/XX/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 2023-02-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 ( Original Creditor : XXXX XXXX XXXX ) : XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) : # XXXX, XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # 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 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 explanation
Consumer complaint received 2020-05-07
Company: EQUIFAX, INC.
State: AR
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 recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind it. I knew my credit was good and there was no way. I then pulled my credit report and saw an outrageous list of accounts that do not belong to me. I have never seen these accounts please delete these accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: JPMORGAN CHASE & CO.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This private student loan is listed as " charged off '' on my credit report, but is no longer held by JPM Chase. It was apparently sold by JPM Chase to XXXX. XXXX claims they sold it to a third party and have no records since XX/XX/2008. I can't figure out who has it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
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: Investigation took more than 30 days

Complaint:
I'm simply wondering how long its going to be before the credit bureaus remove accounts from my credit report which are 7 years old. Even more so because I disputed the accounts with them and its been 41 days without a response from any of the three bureaus. I even sent them a copy of my social security card and my license to tell them who I am because my name is common. 

These collections are really hurting my credit and I need them gone because they shouldn't be on there anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I'm simply wondering how long its going to be before the credit bureaus remove accounts from my credit report which are 7 years old. Even more so because I disputed the accounts with them and its been 41 days without a response from any of the three bureaus. I even sent them a copy of my social security card and my license to tell them who I am because my name is common. 

These collections are really hurting my credit and I need them gone because they shouldn't be on there anymore.

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 2020-07-22
Company: Lending Club Corp
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: Account information incorrect

Complaint:
On XX/XX/XXXX I applied to borrow XXXX from Lending Club. I had previously had a loan from them that was paid in full ( early ) and always on time. 

My credit scores are XXXX, XXXX, and XXXX. Their Adverse Action letter stated my score was XXXX. They never ran a check as far as I could tell from my credit bureau report. 

My total credit card debit is less than XXXX. 
I owe less than XXXX for my car I own my home free and clear and it is valued at nearly XXXX My bills are paid on time. The only negative thing was a foreclosure in XXXX due to a divorce. That negative will come off my report in XXXX, Otherwise my credit is excellent! 

In the application they asked my DOB - I am XXXX yrs old, and divorced. I believe I was denied this loan because of my age. I can see no other reason since nothing other than my address changed since the last loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019, I opened a BMO Harris Premier Checking Account that had the following promotional advertisement : " Earn a {$500.00} bonus with initial deposit of {$25000.00} new money and qualifying direct deposits '' I have met the requirements and the deadline for the advertised promotional bonus has passed and my account still has not been credited.

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 monetary relief
Consumer complaint received 2016-02-03
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received a XXXX tax document ( showing a gross distribution of {$120.00} ) from 'HSA Bank , a division of Webster Bank , N.A. '. I do not remember having an HSA account there. When I try to access 'the account ' on their website, it says " user not found ''. I called up and the client representative also could not locate my account. Can someone responsible from the bank clarify if I have an HSA account with the bank or not?

Company response to consumer: Closed with explanation