BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-15
Company: JPMORGAN CHASE & CO.
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:
Received mail with name + XXXX on it and it was from Chase. Some applied for an XXXX XXXX with my address. Chase has been doing this for the last year, now that it has come to my attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Paramount Recovery Systems XXXX XXXX XXXX XXXX, TX XXXX According to the Secretary of State Debt Collector Search website, this company does not have an active Texas bonding company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
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:
I have noticed that XXXX XXXX have placed an inquiry on my Experian credit file dated XX/XX/2017. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { {$1000.00} }, whichever is greater ; ''

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 2021-04-09
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
At the beginning of XX/XX/2020 I was contacted by XXXX XXXX XXXX who claimed I owed money to my old apartment complex ( XXXX XXXX XXXX Apartments ). In fact, I had not been contacted by my complex despite them having my cell phone and email address. 
I called the complex and they verified that they had filed with the debt collection agency, and that the security deposit I gave them on move in was not applied to the amount. The security deposit ( I had the option of {$400.00} refundable or {$200.00} non-refundable ) was actually " just a fee '' even though this was not what I was told when I paid it. I was told it was a security deposit and would be applied to any damages on move out. 
The apartment complex claimed that I was responsible for paying for carpet cleaning and general maintenance services however they did not have receipts of such services rendered and did not have this information written into my lease. XXXX XXXX XXXX XXXX intentionally sent a {$220.00} charge to collections ( without using the {$200.00} nonrefundable deposit I gave them ) in order to intimidate me into paying an extra fee, I did not owe, or face a credit score reduction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26
Company: Social Finance, Inc.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
SoFi heavily solicited me with a " pre-approved '' offer of a loan for {$50000.00}. I finally accepted their pre-approval and submitted the requested documentation to prove identity and income. Shortly after discovering I was XXXX XXXX through means of my driver 's license the company denied my loan citing an inability to verify my income. I have worked for the same company for well over a year, the company did not ask me to provide additional documents or even give me a chance to " verify '' my income. When I called to have a more detailed description of the reason for denial the representative thought the denial reason was " odd '' and said so directly. I personally know of other well qualified high earning XXXX XXXX that received pre-approvals and were then " denied '' mysteriously from this company after their identity was verified. It is my strong belief that this company discriminates against XXXX XXXX. When I asked for how they determined my income could not be " verified '' they refused to release the name of any agency or consumer reporting agency that they based their decision off of. They wrongly justified their position of not releasing the agency used to make their decision as proprietary information, despite the fair credit reporting act specifying otherwise. There unethical lending practices lured me into applying for a loan product with them, leading to a hard inquiry on my credit which has prevented me from securing the loan I need with a more reputable lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a bank account recently and was denied. I'm unsure why I was denied because this would be my first time attempting to open an account at a major bank that isn't online. I have tried to reach out to the bank to get the item removed off of my background and remove my info out of XXXX. This has caused issues in my life as far as financial strain & not being able to get a loan during hardships. I have never signed or authorized for an account with PNC bank. I have filed a police report referencing the account and sent it to the bank in question. I need this information removed as soon as possible so I can gain my financial freedom back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2020 Comenity closed a zales account of mine based on a fictional claim that my credit use was deemed high risk. I use 3 % of avaliable credit. They did not notify me, I found out only because I applied for a credit card they issue for XX/XX/XXXX. My application was denied due to " a negative note on my account ''. I have had a flawless payment history for 6 years and maintain a low 3 %. They refuse to give a valid reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX and XXXX of 2021, I filed a dispute with this credit reporting agency about the unverified collections accounts : XXXX  XXXX XXXX Account number XXXX -- XXXX XXXX account # XXXX and XXXX Account number XXXX. I requested a removal of these accounts for 30-days non response which is a violation of the FCRA. In those 2 months I have asked several times for a response and I have not received anything from this bureaus. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you

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 2021-06-21
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2020 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2023 - {$20000.00} and it was rejected XX/XX/2023 - {$31000.00} and it was rejected

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Capio Partners, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed multiple times with the original debtor and then the debt collector capio partners. I disputed withthe bureaus and when they would not send proof to me or them I know it has to bew because they have none. I have had health insurance my entire life. Capio can't send proof even when asked to produce it they just generically reply back " debt verified '' They may honestly think the debt is valid but they should have to prove it. I have always had medical insurance since the day I was born so obviously not mine again. After no results through multiple disputes w/ all bureaus, All I was allowed to do was make a consumer statement on my credit report to the bureau but that did not help my credit it basically did nothing. 

Please help me and please tell me my rights, and what I am entitled to do. How to retaliate and get this corrected. 

I would also like to take some sort of action against them as they should not get away w/ this and should be made aware and change their policies of " verifying '' a debt. This is completely unfair to consumers! 
Someone told me something about the Burden of Proof in the Fair Credit reporting act years ago, when I had a similar problem. This happens all too often. Can we look into all the violations of all the times I requested proof and received nothing and fine them? Seems like that's the only way to get through to unfair practices being done to consumers by companies. Please tell me what disciplinary action is taken against them once I am proven correct. 

One more thing ... How do I report that these companies owe me money and then when the bureaus ask I will just report back " debt verified '' very generically. I would like to give them a taste of their own medicine! 

How easy is it for companies to report incorrect information? Seems to me it must be very easy? What kind of compensation can I get from these companies? Home prices are on the rise and I can show proof of my Home loan inquiry and credit score dropping and home prices rising here in XXXX XXXX! 

Sorry for the long message, so many questions, and all the scenarios. please call me with any questions or answers to all of my inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was the victim of theft on my account to the tune of {$2000.00} with my stolen debit card and I told Chase Bank this and they simply did nothing and reported my account to XXXX. 

I made it clear over and over this charge was not authorized by me and even filed a police report but nothing was done and now I am dealing with the inability to deal with certain financial institutions over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Major banks ar denying applications to 0 % interest balance transfer offers ( before the pandemic they were readily available ), Si now the current rates are 27 % Agregious and loan sharking People are hurting and banks are rolling in the $

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$7300.00} ; XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
on XX/XX/2018 I submitted a complaint with the CFPB about Transunion and the account XXXX   XXXX XXXX XXXX XXXX. I ATTACHED THE COMPLAINT WHICH IS XXXX AND TRANSUNION RESPONDED TO THE COMPLAINT,,, THEY RESPONDED ON XX/XX/2018 STATING THAT ACCOUNT I DISPUTED DOES NOT CURRENTLY APPEAR ON MY TRANSUNION CREDIT REPORT, YOU CAN SEE IN THE COMPANY REPONSE SECTION WHAT TRANSUNION STATED AND I CALLED A TRANSUNION REP ON XX/XX/2018 AND SHE STATED THE ACCOUNT ISNT REOMVED FROM MY CREDIT FILE,,, THIS IS NOT RIGHT TRANSUNION HAS REINSERTED THE ACCOUNT WITHOUT WRITING ME BY MAIL,,, THIS ACCOUNT SHOULD HAVE BEEN REMVOED FROM MY CREDIT FILE,,, I WILL SUE YOU TRANSUNION FOR THE NON COMPLIANCE,,, I HAVE ENCLOSED A COPY OF THE COMPLAINT SHOWING THAT THEY REPONDED STATING THAT THE ACCOUNT ISNT APPEARING ON MY REPORT SO WHY IS IT MY REPORT, THEY SHOULD HAVE TOOK THE ACCOUNT OFF ON -XX/XX/2018 WHEN THEY RESPONDED TO THE CFPB COMPLAINT,

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 2017-09-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
For three days I have been trying to get connected to XXXX to place a credit freeze. Their web site for this specific action does not load and their telephone numbers provided on the web sites go to automative systems that go dead when you get to freeze options. Tried to get to an operator by finding a brick and mother location and phone number. This just results in them sending be to a special services line ... .where I have been on hold yesterday for 1.5 hours ; and today I gave up after 20 minutes.
This feels like they want to prevent folks from putting on credit freezes. Note I have had no trouble with XXXX or XXXX. If it is not a strategy, then I question their business model and ability to effectively manage information on me ( for which I have had no choice ). Now I will write my congresswoman and senators.

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 2021-02-25
Company: The Phoenix Recovery Group
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 four credit reports on my credit reports that are not mine not I authorized in writing to be responsible for apartments that I never resided in such premises at all! They are fraudulent, and I continue to have such a damaging report repeatedly by submitting new data every cycle as they amuse without any foundation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient continues to send me correspondence stating that I owe an amount that I can not pay per month. I was paying the required minimum amount. I spoke with a a customer service rep for Navient and continue to get bothersome calls from them. The rep and myself never came to an agreement for repayment then I received bills that took my payment from {$5.00} per month to {$310.00} per month. I can not afford this monthly payment amount and I fear this will go back on my credit. I have worked hard to make the monthly payments I could afford to get this off of my credit. 

When I call regarding this I am told that it is income based and This is the amount I should be able to afford based on my gross income. I am currently attending college and paying my tuition out of pocket and have a child in college and can not afford this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
So I had a Debt with XXXX they sold my debt to LVNV FUNDING LLC I was told by a lawyer it is against the law so they keep calling me XXXX to XXXX times a day I have Disputed it with all three credit bureau and XXXX different times

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
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: Information belongs to someone else

Complaint:
The following accounts are not mines, unauthorized and unknown to me. These accounts are a work of a fraudster. My identity has been stolen and highly compromised, therefore I'm demanding that these accounts be removed immediately. 

1 ) XXXX  {$1000.00} 2 ) XXXX XXXX {$300.00} 3 ) XXXX  {$790.00} 4 ) XXXX {$500.00} 5 ( XXXX  {$500.00} 6 ) XXXX XXXX {$790.00} 7 ) XXXX XXXX {$790.00} 7 ) XXXX XXXX {$470.00} 8 ) XXXX XXXX {$310.00} 8 ) XXXX XXXX  {$730.00} 9 ) XXXX XXXX  {$160.00} 10 ) XXXX XXXX XXXX$110.00} 11 ) XXXX XXXX  {$60.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX  transferred my mortgage loan to Carrington Mortgage back in XX/XX/XXXX My taxes and insurance are included in my monthly mortgage payment and I have not missed any payment till date. Surprisingly to me I received a bill from Carrington Mortgage showing an increase of about {$80.00} on my mortgage for The month of XX/XX/XXXX. When I called them they said they have the right to ask me to pay an additional two months escrow. There are several complaints online about this company and its fraudulent practices. My wife and I about two years ago had to file for a mortgage modification with XXXX XXXX XXXX to lower our payment because we were struggling with the payment then. Now this crooks want to add another {$80.00} to our monthly payment.

The trick is that they use this tactic to get you to refinance your loan with them. They charge a bunch of fees and you loan amount increase even if your monthly payment is lowered. Immediately XXXX transferrred my loan to this crooked company they have been sending me foreclosure letters even though I owe them nothing also refinance letters and forms.They even went as far as sending someone to my house without any notice trying to force us to refinance our loan which at its Current form we are happy with. We are not looking to refinance our loan and this crooked company dont have any right to add another {$80.00} to our monthly payment. If they dont stop this fraudulent act I and 40 other people I met online with similar complaints will be filing a class action suit against Carrington Mortgage and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation