BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Date XX/XX/20 {$190.00} XXXX XXXX XXXX XXXX XXXX CA Chase credit card service decided that the charge is valid. But I disagree with their decision because I have never authorized the amount charged. I provided that recipt of the invoice that it says amount is {$0.00} and XXXX from XXXX XXXX promised to give me a refund since they did not have parts to fix but chase thought the charge is still valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have violated my rights within all three credit bureaus. 

15 U.S.C 1681 Section 602A states that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction/consent within all three credit bureaus.

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 2020-04-16
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is a complaint regarding wire fraud and mail fraud on the part of the mortgage servicer Amerihome/XXXX. It is a complaint for wrongful foreclosure actions and false and defamatory credit reporting by Amerihome. It is also a complaint for failure to follow HUD guidance and provide the requested 12 months of forebearance that is provided under XX/XX/XXXX HUD Guidance HUD No. 20-048 on the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) which President Trump signed into law on XX/XX/XXXX. 

Amerihome has failed to properly apply electronic payments to my account since XX/XX/XXXX Amerihome has failed to apply mailed payments to my account, including holding and not cashing more than {$5600.00} in payment checks. 

Amerihome has failed to grant me one year of forebearance on principal and interest with the payments being added interest free to the end of the loan.

Amerihome has failed to correct the derogatory information they have reported about me.

Amerihome has failed to make restitution for wrongfully moving to foreclose.

Wire and mail fraud complaints have been filed with the appropriate agencies in addition to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
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: Their investigation did not fix an error on your report

Complaint:
I DISPUTED INFO EQUIFAX HAS ON REPORT. SPECIFICALLY " PAID CHARGE OFF '' STATUS. THE DISPUTE WAS ANSWERED WITH " ACCOUNT CLOSED '' XXXX BAL. THEY SAID THAT ANSWERED MY DISPUTE OFF " PAID CHARGE OFF '' CLOSED IT AS UPDATED BY CREDITOR. THE " CURRENT ACCOUNT STATUS STILL SHOWS " CHARGE OFF '' WHEN I SAID SINCE THAT ANSWER THEY PROVIDED CLEARED MY DISPUTE AS TO WHY STATUS IS CHARGE OFF AND NOT " PAID CHARGE OFF '' THEY SAY THEY DIDNT SAY THAT. SO THEY CANT CHANGE IT. I SAID SO HOW WAS MY DISPUTE ANSWERED AND CLOSED. THEY TRIED TO TELL ME THAT THAT MEANS WHAT I WAS DISPUTING " XXXX BAL / ACCT CLOSED '' WHICH IT DOES NOT .... I ASKED HOW CAN IT ANSWER IT YET YOU CANT CHANGE IT BECAUSE ITS NOT SPECIFIC ... .AND TOLD TO CAL XXXX XXXX TO HAVE THEM FIX IT. 

SEVERAL TIMES DISPUTED... SAME RESULT AND IVE BEEN HUNG UP ON 3X IN A ROW WHEN THIS IS POINTED OUT.

DISPUTE SPECIFICALLY STATES " PAID CHARGE OFF " S/B IN " CURRENT ACCOUNT STATUS ''. 

WHEN YOU LOOK AT REPORT FROM EQUIFAX ... NOWHERE DOES IT INDICATE PAID CHARGE OFF... XXXX BALANCE. STILL STATUS AS AN OPEN CHARGE OFF AND CLOSED ACCOUNT. WHEN ITS A CHARGE ... ISNT THAT HOW IT SHOWS. 

CLOSED CHARGE OFF BAL = XXXX ( CHARGE OFF ) AMOUNT OFF CHARGE OFF EQUIFAX HAS CLOSED NOT ANSWERED DISPUTES ... GIVEN CREDITORS MORE THAN 30 DAYS ... AND I AM TOLD CALL CREDITOR AFTER 30 DAYS WHEN NO RESPONSE FROM THEM ... THEY CLOSE DISPUTE ... SAY " UPDATED BY CREDITOR '' NOTHING DONE BUT A DATE OR A STATUS CHGD. 

LAST PAYMENT IN XXXX. PAID AS AGREED W XXXX XXXX XXXX EQUIFAX WILL NOT CORRECT STATUS THEY TELL ME " THEY SEND DIFF REPORT TO THOSE REQUESTING IT '' THAT ONE SHOWS IT '' ASK FOR SUPERVISOR ... GET PUT ON HOLD THEN HUNG UP ON. 3X IN A ROW ON SAT XX/XX/XXXX. 

PLEASE HELP THEY DO EVERYTHING BUT WHAT THEY SHOULD EVEN IN THE LIGHT OF BEING WRONG. 

CANT BELIEVE THEY TRIED TO TELL ME MY LAST DISPUTE OF " PAID CHARGE OFF '' S/B STATUS WAS ANSWERED CORRECTLY WITH XXXX BAL / ACCT CLOSED BY XXXX XXXX ... THEN WOULDNT HONOR DECISION OF ANSWERED. IT IS PAID CHARGE OFF AND TOLD ME TO CALL XXXX XXXX 

MANY OTHERS WITH ... DO YOU WANT THOSE TOO

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Equifax XXXX  XXXX  Suppression Request To Whom It May Concern : I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. 
-XXXX  XXXX  XXXX  XXXX- XXXX -XXXX  XXXX/XXXX  XXXX- XXXX XXXX  XXXX  XXXX- XXXX XXXX/XXXX- XXXX XXXX XXXX XXXX Supporting documents are enclosed with this letter. Please let me know if any additional information is needed. Furthermore, when you accept this request, please send the notifications required by the FCRA to all furnishers of the blocked information. 
Sincerely, XXXX XXXX XXXX Enclosed : A copy of my Identity Theft Report Copies of my drivers license and social security card ( to verify my identity and address ) A copy of section 605B of the Fair Credit Reporting Act Also, please note : * Please remove allnon-account holding inquiriesover 30 days old. 
* Please add aPromotional Suppressionto my credit file. 



According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above. 

This is identity theft and I expect you all to protect me and follow the guideline of the laws accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was given these fraudulent accounts by my cryptocurrency exchange app to deposit my transfers. Once all these transactions completed, I try to withdraw from my account it was frozen. Now the app is disable. I have contacted XXXX XXXX international police to file a report against these fraudster 's account. They are using these account for money luring. Please advise HSBC regarding these incidents and demand for retrieve or re-call on my behalf that I have made several attempt through XXXX. 
1. XX/XX/2021 XXXX XXXX and XXXX XXXX  XXXX limited {$1000.00} UDS 2. XX/XX/2021 XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX $ XXXX 3. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) {$100000.00} UDS 4. XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX {$60000.00} UDS 5. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$20000.00} UDS 6. XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX {$50000.00} UDS 7. XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX {$20000.00} UDS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The issue I'm having is getting Navient to release my cosigner after 14 years of repayment and over 2 years of consecutive on time monthly payments and meeting their criteria they refuse to release my cosigner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have violated my rights within all three credit bureaus. 

15 U.S.C 1681 Section 602A states that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction/consent within all three credit bureaus.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-09-24
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PayPal is fraudulently locking me out of my own account. When I tried to log in, the bogus phone verification page pops up and it does not work at all. Seems to me, they do this in order to lock people out of their account so hopefully they can keep the money in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: Stellar Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a open collection for XXXX dollars from XXXX but I do n't have XXXX. Have n't received a bill. So I was wondering if it could be identity theft. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-13
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have violated my rights within all three credit bureaus. 

15 U.S.C 1681 Section 602A states that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction/consent within all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
I deposited a convenience check to my personal checking account in the amount of {$4000.00} from my Salliemae Mastercard on XXXX/XXXX/16. The check was returned on XXXX/XXXX/16. I have not received a credit to my Salliemae Mastercard to date. The sequence of events is below. 

XXXX/XXXX/16 -- Received Balance Transfer Checks with promotional APR that specifically stated that the transactions must post by XXXX XXXX to : Transfer balances from other card Finance home improvements or renovations Write a check to yourself XXXX/XXXX/16 Contacted XXXX ( Sallie Mae/payable through Barclays Bank Delaware ) to verify credit limits and terms if I wrote a check to myself. 
XXXX/XXXX/16 Deposited check # XXXX for {$4000.00} into my personal checking account at XXXX ( XXXX XXXX XXXX ). There were no holds placed on the deposit. 
XXXX/XXXX/16 Check was returned as " not authorized '' ; {$12.00} total returned check fees were assessed XXXX/XXXX/16 Contacted XXXX XXXX at Barclays ; stated that the check had cleared and that I needed to address the issue with XXXX. 
XXXX/XXXX/16 Received legal copy of the returned check from XXXX. 
XXXX/XXXX/16 Contacted XXXX -- XXXX ID created XXXX. Transferred to XXXX. XXXX at XXXX ; Continued to maintain that the issue was with XXXX XXXX/XXXX/16 Contacted XXXX ; Told that the case was closed and that I would receive a copy of the check from Barclays within the next week. 
XXXX/XXXX/16 Received copy of the check from Barclays and took it to the XXXX ( XXXX XXXX XXXX ). Contacted XXXX XXXX at Barclays ; suggested that I fax or email the legal copy of the returned check from XXXX. Successful transmission via fax at XXXX at XXXX. 
XXXX/XXXX/16 Contacted XXXX XXXX at Barclays ; potential review/reopen of case for adjustments to be applied on XXXX/XXXX/16 XXXX/XXXX/16 Went to the XXXX XXXX XXXX for XXXX XXXX where Branch Manager, XXXX XXXX with my permission spoke with XXXX XXXX at Barclays. XXXX reversed the returned check fee of {$12.00} and asked to redeposit the check. We were told that was not an option but that the credit to my card would be expedited. The ref # XXXX XXXX/XXXX/16 Payment made to Barclaycard of {$200.00} including {$4000.00} withdrawal, {$160.00} cash advance fee, {$94.00} in interest. 
XXXX/XXXX/16 Contacted XXXX XXXX at Barclays ; notated that the information had been sent to the appropriate department but that he would " expedite '' it. 
XXXX/XXXX/16 Received new Sallie Mae Mastercard statement without credit with a payment due XXXX/XXXX/2016. 
XXXX/XXXX/16 Contacted XXXX XXXX at Barclays : stated that a letter had been sent to my attention on XXXX/XXXX/16. Stated that she needed to contact settlement department. No resolution notated on my 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 monetary relief
Consumer complaint received 2015-03-20
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
G.E Capital Care sold the account according to them to Synchrony Bank in XXXX FL., which lists XXXX numbers XXXX or XXXX when I called they said the account had doubled from XXXX to XXXX dollars, and suggested that I contact another offsite agency that handled charge offs. I told them I was going to come to you and they said submit a letter in writing and mail to XXXX FL, attn. '' Dispute Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
DITECH Financial LLC, mortgage servicer of my XXXX loan, is in noncompliance with Recasting my loan that I qualify for after meeting all six year requirements ( per directive of Dodd-Frank HAMP {$10000.00} principle reduction incentive ). Since XX/XX/2016, DITECH has delayed implementation of my Recast. I have filed nearly a dozen complaints with DITECH as well as with XXXX and my US House of Representatives -- The Honorable XXXX office. Please help in getting DITECH to comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: BTH Management
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I submitted a complaint regarding this company within the past 6 months with your company, case file no.  XXXX , this company stated via written response that they would remove the debt from my credit report with no further action or communication from them, that has not happened and now they are reporting this debt once again in addition to the previous amount they claim I owed. The original debt was with   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX  for {$670.00} that should have been removed, I have not opened any accounts or have any loans with this company, if it is a payday loan, it was included in my Chapter  XXXX  bankruptcy back in   XXXX   and that has be en discharged, all a ccounts I have recently opened are all in good standing, I am trying to rebuild my credit and have been doing an excellent job thus far. This company has now changed the name and issued yet another collection on my credit report under  Plaza Services  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , GA  XXXX  (  XXXX  )  XXXX  for the same amount of {$670.00}, this is not a coincidence, it is fraudulent and incorrect reporting. I would like this company investigated and I would like both of these debt collections removed from the credit reporting bureaus. Please assist me and help to rectify this situation, it 's very  XXXX  having to deal with false transactions and fraudulent reporting on my credit. 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 2022-04-13
Company: Experian Information Solutions Inc.
State: TN
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 XXXX xxxxxxxxxxxxx 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 REPORTING INACCURATE INFORMATION NOTHING MATCHES 100 %

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions 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:
hello my name is XXXX XXXX ive recently checked my credit report & found some untheorized credit card accounts and collections & looks like someone has been running my credit because its showing hard inquires from car dealerships. 
which is hindedring me frfom getting approved for my home for my family please look into this matter asap and remove & delete these accounts from my credit report.

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 2017-05-23
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Loan amount on  XXXX   XXXX   Loan  amount on  XXXX  {$10000.00} total paid towards principal {$2200.00} total paid towards interest {$5400.00} in alm ost 2 yrs   and that 's with {$420.00} a month payments. To date I have paid {$8600.00} on this car.     Some of my payments went towards interest only, see attached itemized photo of my charges. I was trying to get my credit up and they are doing nothing but bringing it down! I was told that i could change the payment date to the date i needed and then it was changed to a date that is not good for me so i tried to change it back to original date and they wont. I am now always 3 days behind since they refuse to change my payment date to the  XXXX  and from the  XXXX !!!! They charge a $  7+ charge a d aily in addition to your APR in addition not just a late fee and that accrues interest of course.       I had a late payment and was trying to give them a credit card for a future dated payment that is 3 days past the day they want it and they refuse to work with me. Calls daily threatening to reposes for a {$130.00} late payment. They are rude and unwilling to help even 2 years in my loan.     You do the math this place is meant to milk you and steal from you. I 'm sure if they let me get to the end of the loan they will just find a way to reposes! ALL THEY WILL DO IS SAY TRY AND GET REFINANCED.

Company response to consumer: Closed with explanation