BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
{$8300.00} was withdrawn from my checking account. 

XX/XX/2021 XXXX - {$3500.00} " Ewithdrawal '' Pin code authorized XX/XX/2021 - {$4500.00} withdrawal slip with my name printed I called chase fraud department and said there's fraud activity on my account, they said they can't see the full details at the moment and to have my call back the next day in case there's accounting errors that would resolve itself. 

XX/XX/2021 - few hours after the call with Chase - there was an ATM withdrawal of {$360.00} in the XXXX NY ( I can't see location of it anymore from my app ) according to my Chase app so I called Chase again. This time they said they'll freeze my account and look into it and credit me. 

XX/XX/2021 - Called chase bank fraud department to make the claims for the {$3500.00} and {$4500.00} withdrawal since the details finally shown up. {$360.00} was credited to my account. 

XX/XX/2021 - I created a new checking account with Chase and transferred the remaining balance to a new account. 

XX/XX/2021 - Called chase again to follow-up - agent mentioned I should be receiving a fraud packet that needs to be signed, notarized and returned to chase. 

XX/XX/2021 - received packet from chase and filled in the information regarding to the fraud. 

XX/XX/2021 - Chased reversed the credit of {$360.00} so now the " hacked '' account shows a negative balance of XXXX. 

XX/XX/2021 - Chase credited {$3500.00} and {$4500.00} to my checking account. Current balance is {$7600.00} and not the full {$8000.00}. 

XX/XX/2021 - Called chase and asked about the {$360.00} - supervisor " XXXX '' states that it was a pincode ATM transaction done in one attempt and that was the determining factor on why it was denied. I explained I never lost my card, I had it in my possession the whole time but this truly happened and it's not me. She said nothing can be done about it and that people lie all the time and that she doesn't even have access to my pincode. I'm shocked that she doesn't think something like this is possible, I'm living proof that it's possible and I'm just livid at her explanation. I went into chase bank same day to file a complaint but haven't heard anything back yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is multiple names and addresses on my credit report Id like them removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-02-09
Company: Experian Information Solutions Inc.
State: OH
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2021-02-01
Company: Experian Information Solutions 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:
In XX/XX/XXXX, I reviewed my credit and noticed XXXX XXXX was reporting as an outstanding collection account. The same day I mailed a debt validation notice requesting the method of verification for this alleged debt. I received no response. In XX/XX/XXXX, I sent a second letter via certified mail with a second request for a method of verification/debt validation. I also requested specifically what method of validation did the credit bureaus receive to determine the debt was valid.I requested the credit reporting agency provide copies of whatever information the collection agency provided to validate this debt and if the documentation could not be provided, I respectfully requested for the item to be removed from my credit report. As of today, XX/XX/XXXX, I have not received any of the requested information and the debt is still reporting negatively on my credit. Secondly, XXXX XXXX currently does not have a valid business license in the District of Columbia. The District of Columbia requires each entity conducting business in the District to have a General Business License from the XXXX Department of Regulatory Affairs.I would like XXXX XXXX to validate the debt by providing an original contract with original signatures, detailed proof of title, and provide a valid General Business License as required by DC LAW 47-2851.03d. If the documents are not provided it is in direct violation of FDCPA section 809.

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 2023-02-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I had a checking account with Fifth Third Bank since XXXX of XXXX. 
Starting XXXX of XXXX, they started charging me a monthly service fee unknowingly and they are trying to justify it using a long disclosure that contains a lot of information. 

Since, I have been a customer for a long time, I was expecting a reminder from them before they start charging me. In my estimation, they took advantage of me not being aware to charge some fees that they can't otherwise justify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Netspend Corporation
State: FL
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:
I had a prepaid card thru XXXX XXXX the card was stolen with the other card at a hotel by some employees and netspend demanded me to send a copy of my identification and social security card and copy of mail with my address

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 2018-02-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased a home in XX/XX/XXXX and refinanced in XX/XX/XXXX when the mortgage went up to double in XX/XX/XXXX I did not know this was going to happen they tried to foreclose in XX/XX/XXXX but did not have the deed. I was not eligible for the National mortgage settlement because the foreclosure was dismissed the house sat unoccupied for 2 years I was contacted by XXXX XXXX XXXX to move back and they would help me save my home so I could sell it and get it off my credit that never happened I had to move my family from XXXX  to XXXX in XX/XX/XXXX in attempts to save the house that XXXX XXXX XXXX was going to foreclose for the second time after the there was no activity in the house for 10 years. I believe they did not go for the foreclosure XX/XX/XXXX so they would not be penalized and I would not be able to get the settlement for there misconduct. Now 10 years later XXXX XXXX XXXX  with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. are back in court trying to foreclose on this house. I hired a group to do a forensic review and was told there was robo signing and federal laws broken. They are trying to foreclose in XX/XX/XXXX. 
File Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

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 2023-02-09
Company: Experian Information Solutions Inc.
State: AL
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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights 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 2020-01-25
Company: Fradkin & Weber PA
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received a call from my neighbor stating that a server was at my door, I was confused so I got on Maryland case search and I saw that I had a case judgement XX/XX/XXXX and then reopen XX/XX/XXXX for {$520.00} the address listed is an address I have not lived at for over 20 years which tells me this is a debt from when I was a teenager and I honestly don't know what it is because it's no on any of my credit reports. This company as sent a garnishment letter to my previous employer and I really want to know what RIGHTS do I have for a debt that is well over 20 years old?

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 2023-08-10
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: Experian Information Solutions 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:
I have reached out to Experian and requested information in which I have yet to receive a response. Experian is in violation of my rights as a federally protected 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 2022-01-17
Company: EQUIFAX, 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:
There are some fraudelent inquiries reporting on my credit file. I have no account w these companies and haven't looked for any credit here recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX {$5200.00} 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 explanation
Consumer complaint received 2022-01-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I had a loan with Pennymac at 3.87 % which I refinanced in XX/XX/2020 with them at 2.75 %. 
When I refinanced the loan with Pennymac in XX/XX/2020, my new payment was calculated at 2.75 % and monthly payment was ~ {$2600.00} which included Principal [ ~ {$1000.00} ], Interest [ XXXX ] and Escrow [ ~ {$350.00} incl. property tax and insurance ]. My loan contract closing disclosure has this payment for ~30 years [ unless there's a change in property tax or insurance ]. 
However, in XXXX, Pennymac changed my monthly payment from ~ {$2600.00} to {$3300.00}, an increase of {$670.00} per month and they did communicate about it in advance. 
When I spoke to them about the increase, first their officials told me that your escrow is increased because property taxes have increased in your county which isn't a true statement. When I escalated this issue, I was told someone in their refinance team did the calculation mistake in the closing disclosure and numbers told to me were incorrect when I signed the contract. 

I wanted to reach out to you if this change can be reversed because this is a significant increase on monthly payment and something not in line with my loan disclosures that I signed. 

Please let me know if I can clarify this issue further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-17
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: Account information incorrect

Complaint:
XXXX XXXX is listed on my credit reports incorrectly. 
I've disputed the information with all 3 credit reporting agencies but they have still remained on my reports. 

I dispute the ownership. 
I dispute the amounts. 
I dispute the reporting as shown on my reports. 

I've sent letters to XXXX and no responses have came back. I've done this 4 times with no response.

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 2023-03-14
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-07-29
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Continually in the dark about repayments, information on where I'm at in my payment plan. When under Sallie Mae had no issues, with Navient it seems like no payments were made whatsoever, their systems are always down for maintenance and they keep you COMPLETELY in the dark about your progress/status. The only thing they appear to be competent in is posting a dollar amount that you owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : 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 2022-10-18
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/XXXX, Amount of {$8100.00}, Creditor : XXXX XXXX XXXX  has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/XXXX, Amount of {$7500.00}, Creditor : XXXX  XXXX XXXX Apartments has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/XXXX, Amount of {$1000.00}, Creditor : 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

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 2021-12-16
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have a complaint against Ally Financial that was lodged with CFPB yesterday XX/XX/2021. 

I got a call from Ally Financial today, and it went well until the end where they were asking me for all sorts of things that were not pertinent to the situation where they put down the wrong odometer reading on my title. 

It's a mess and am VERY UPSET AND shaken. I was harassed just now by the person who called from Ally Financial. His name is XXXX XXXX. Phone number XXXX, option XXXX, option XXXX, ext. XXXX. His name is on the physical lease of my car that needs to be corrected. 

He made me very upset and I said, just fix the title. He admitted that an error was made. He started asking me all this stuff about the lien and I said if you have questions, ask the lienholder, XXXX. He refused. I said, I do not work for XXXX. I told him I am aggravated by this conversation and he needs to just fix the title. 

I DO NOT WANT TO BE CALLED BY THESE PEOPLE. It's XXXX pm CT. I will not be harassed. This is insult to injury.

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