BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
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 account has violated my rights. 

XXXX : Account # XXXX 15 U.S.C 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 non-monetary relief
Consumer complaint received 2015-06-19
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This Debt went into collection without me having any knowledge of this debt, a bill was sent to address where I did not live, with my name attached to the address, I never received a bill so it went into collection and were put on my credit report. the bill were initiated by my daughter Mother, she put my name on the bill with her address, we have never lived together.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I booked a flight with the terms " non-refundable '' but " changeable with no fee, only need to pay fare difference '' on the Chase XXXX XXXX portal. This is a portal available to customers of the Chase Sapphire Preferred credit card, which has an annual fee attached to it. 

Over the past two days, I have spent XXXX hours on hold on the phone with various Chase customer service specialists, all of whom have failed to help in changing a ticket I bought through the Chase XXXX portal. The XXXX  portal is advertised as a perk of the annual fee, and does not work as intended. 

The latest call lasted XXXX XXXX XXXX XXXX, with the agent repeatedly telling me they would only have me on a brief hold, after which I heard them take the call off hold ( for about XXXX seconds ) before cutting the call and transferring me to the main automated menu ( from where I would start from scratch ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a online payment of {$1600.00} on XX/XX/22 through my bank bill pay to XXXX XXXX XXXX credit card XXXX That was the last day I could make a payment before Barclays purchased XXXX and accounts would be transferred to them. Barclays had posted my payment on XX/XX/22 but then immediately posted a charge for the same exact amount of {$1600.00} with a description of " / % '' in the detail line. Barclays said they have returned the payment to my bank on XX/XX/22. On my Barclays online account there are two separate payments of {$1600.00} posted on my payment history with one returned payment. So there is another payment of {$1600.00} that they have not deducted from my balance. I have contacted my bank and they have not received anything back. My bank was able to give me a Credit trace # for the digital payment. I have forwarded that to Barclays and they still claim they returned the payment and have not given me proof of the returned funds. I have been dealing with this for almost a month with no resolution from Barclays. I am also not the only one having this same exact problem. Please help

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 2021-01-20
Company: EQUIFAX, INC.
State: OH
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 THE 4TH TIME I HAVE HAD TO COMPLIAN ABOUT SEVERAL ISSUES. MY NAME IS XXXX XXXX XXXX SS XXXX DOB XX/XX/ PLEASE REMOVE/DELETE ANY OTHER VARIATIONS OF MY NAME ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ). THERE ARE SEVERAL SOCIAL SECURITY NUMBER ON MY CREDIT FILE THAT I HAVE REQUESTED TO BE DELETED, PLEASE REMOVE DELETE THE FOLLOW SS NUMBERS : SS XXXX, SSXXXX, SSXXXX, SSXXXX PLEASE REMOVE THE FOLLOWING FRAUDULENT ACCOUNTS : PREFERRED LEASE XXXX XX/XX/XXXX/XXXX/XXXX XXXX, XXXX XXXX XXXX # XXXX. THE IS THE LAST TIME I AM FILING A COMPLAINT MY INTENT NEXT IS TO FILE A LAW SUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a student and worker who has purchased a XXXX bedroom,XXXX bathroom townhouse in Florida in the year XX/XX/XXXX.My mortgage interest rate is about 5.2. percent on a 30 years fix mortgage.That left me with a mortgage payment of about XXXX dollars per month. Over the years I have been rattled with financial hardship XXXX which did cause me to spend 2 weeks in XXXX Hospital here in Florida. Such events has caused me to fall behind on my mortgage that is now managed by JP Morgan Chase Bank.I have filed an entitled loan modification with them however they have denied me the modification without briefing me with legit paperwork documenting the reason why I was denied.After calling Chase over and over trying to get a reason as to why i was denied, I was told vaguely through word of mouth that " your income shows that you can afford a mortgage reinstatement payment plan " Please be aware that my income is currently less than XXXX dollars a year.Chase left me with little to no options.One of the main options that Chase gave me was to pay the payment plan that I could not afford which consisted of making a down payment of XXXX then additional payments of XXXX for the rest of the 2015 year. 
I have been waiting on them to file another loan modification under the " making home affordable act '' but they refuse to properly communicate with me.I was told by a Chase representative who work in the executive office named XXXX at extension XXXX that " a loan modification is not mandatory '', and that Chase must follow " Investor guidelines '' All the additional options Chase gave me only involved me short selling my home or me turning the home over to them. Chase refuses to give me proper reason why they denied me of the modification that I disparately need.I have tried sending them a hardship letter to explain my situation with them so that they can work with me and help me keep the home but they refuse to do so.Instead, I have been receiving letters from Chase giving prorated dates urging that '' more time is needed '' before they can come up with a decision regarding my request for them to review the case .They have been persistently stalling. 
The last letter I received was dated XXXX, XXXX. It stated that an answer regarding my hardship letter will be provided by XXXX XXXX when I have in fact checked with the XXXX XXXX XXXX Clerks Office In Florida., it shows that JP Morgan Chase filled a Foreclosure Suit against me on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
What happen was that I received a check in mail which from my job. I took the check to the bank to get it cash. The bank told me that we can only give me    XXXX   dollars of the money. I said fine, they said they had to make sure the check was ok. It took five ( 5 ) to 6 ( 6 ) day before I could get the rest of the money. I notice a week later that my account was in the overdue in the account.

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 2017-05-27
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my credit through XXXX XXXX and had to accounts pop up that are not mine. It was Common wealth financial systems. The original creditor on this bogus or fraudulent account is XXXX XXXX XXXX. I have no information on this account .Have not used there services. Have no idea how they got my information. This is not my debt. There where 2 accounts one was for XXXX dollars and the other was for XXXX dollars. I 've sent direct disputes on XXXX and XXXX. I 've tried to call common wealth financial systems with no luck it 's always automated and always keeps you on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
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:
Please investigate and remove the following inquiries and accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2022-03-21
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
on XX/XX/XXXX Fedloans notified me that on XX/XX/XXXX they changed my loan status to deferred based on information provided by XXXX XXXX XXXX XXXX XXXX where I am a clinical fellow. I am not a full-time student. I do not believe that I qualify for deferment nor would I choose to be in deferment if it was offered. 

They indicated that deferment would not end until XX/XX/XXXX I do not know what this is based on as my fellowship will end on XX/XX/XXXX. 

I have attempted to contact them by phone however when I have chosen the option to have them return the phone call they have not. Additionally, they have no option on their recording to speak with a representative. I had to XXXX what to press to wait for a representative as their phone tree does not provide options that are pertinent to my issue. 

Overall it feels as if Fedloans is taking actions regarding my loan status that I do not want to be taken and only informing me months after the action has been taken. They are then making it difficult or impossible for me to correct the issues they have caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-27
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On    XXXX   XXXX    , 2017 a t approx.   XXXX   XXXX   EST, I checked my   XXXX   XXXX   account as I do frequently since I working on rebuilding my credit so I could purchase a home with  my VA Military Loan. I noticed  that my scores had dropped substantially. I looked through the reports and show a creditor I did not recognize ( IC Systems ), IC Systems reported a collection for {$67.00} for a company   XXXX   XXXX  . The collection account was opened in  XXXX   XXXX ,  2017    according to  XXXX   XXXX  and  XXXX   Credit Reports.  I am not aware of this debt as I never received any emails, letters, or phone calls regarding this matter.     In addition, there are No additional information as to who the original credit is/was, located, and open account date for this {$67.00} debt. I attempted to contact IC Systems however it is the weekend and holiday weekend therefore communication fail. I am afraid to connect with IC Systems as they may be fraudulent and gain access to personal information.

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 2022-07-14
Company: TRUIST FINANCIAL CORPORATION
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I was on a call with Truist, the lady gave me 3 options for repayment on missed payments. We chose the deferral. 
On that call she never once said we had to be XXXX payments past due to be eligible for the deferral. So we were completely u aware, that During that time our mortgage was in jeopardy. We are XXXX payments past due which I have filled out multiple packets which truest continually says that they are not receiving information. Denied XXXX packets. 
Called the wrong number, sent it to the wrong address. I was approved for HAF funding in the amount of XXXX the funding has been sent out on XXXX XXXX. Truist returned my XXXX payment. Today XX/XX/XXXX Truist has called again. Saying they havent received the HAF funding, and there is no record!!! I am so sick of them, they have continued to screw up my loan, never once have they said the right information on any calls. My home mortgage counselor too has revived false information I am asking you to please investigate them before something happens to my home apparently all these phone calls are monitored but they cant review any of those phone calls to fix their mistakes

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, 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 non-monetary relief
Consumer complaint received 2020-03-11
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My BananaRepublic ( GapInc ) card has a rewards program they constantly promote for me to use by charging on this card to get cash rewards. Now I have {$90.00} in cash rewards and this card has placed a stop on using my card. I have an excellent credit history with this card and an excellent credit score. When i have tried to use my card since I got these rewards they have declined my card. When I called to ask why they said they thought some fraudulent charges were being made. I verified all charges were my own. Ive made two payments on time since but still can not use my card!! And subsequently can not use the rewards issued. When I call the 800 number I get put on hold and a run around. I even had trouble paying my bill by phone!! They refused to let me pay my card by phone until I was transferred 4 times and answered a bunch of security questions!! Once convinced it was me they accepted my payment!! I have anXXXX credit score!! But I can not get them to open my account so I can use these earned cash rewRds and they will expire soon. I know GapInc is in serious financial trouble but this is ridiculous!! Can you help me get them to allow me to use these points that they enticed me to charge and earn??! Rude rude people there. If they go out of business I obviously dont get to use my rewards!! Please help!

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 2017-05-27
Company: CREDIT ACCEPTANCE CORPORATION
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 opened an account with Credit Acceptance Corporation in  XXXX . A car loan. I made monthly payments on time every month until the loan was paid in full. For some reason,  Credit Acceptance  is reporting I made  1  late payment  XXXX . This is incorrect. I made payments on time every month. I then traded the car in, in  XXXX  of  XXXX . I do n't understand how they are reporting that the last payment that was made was a late payment.     It is not fair that I pay all my bills on time and  Credit Acceptance  gets to report a delusional late payment. I have disputed this problem and nothing has changed. This late payment is being reported incorrectly. I WAS NEVER LATE.

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 2016-05-31
Company: JPMORGAN CHASE & CO.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We refinanced our home in XX/XX/XXXX. JPM Chase stated that we must take a XXXX and XXXX loan to accomplish the refi ( XXXX was at 7.1 %, XXXX was at 11.9 % ). We had several financial reversals, including a business failure in XX/XX/XXXX, critical medical expenses, and the need to become caregiver to an elderly relative. When we realized that we were unable to make payments on a timely basis, we contacted JPMC to negotiate a HARP refinance. We sent XXXX large loan application packages to JPMC over the period XX/XX/XXXX-XX/XX/XXXX. They were a ) lost, never received ; b ) misplaced internally because responsibility for the loan was transferred to another JPMC employee ; c ) sent to the wrong site for processing by JPMC ; or d ) rejected because the package was " incomplete ''. During this time, we were assigned XXXX different loan representatives by JPMC, to add to the confusion. We began to pay the loan later and later because of the resultant delay. However, we were only more than 30 days late 3-4 times during this period. JPMC continued to pile on late charges. 
Now, we have reapplied for a HARP refinance on the property. We have been told by JPMC Rep XXXX XXXX that we are approved, but that we must pay {$4800.00} in late fees before we can close the loan. XXXX XXXX recommended that I fax a letter requesting discretionary late fee forgiveness to JPMC 's Research Department in XXXX, which we did on XXXX XXXX, XXXX ( attached ). We have Transmission confirmation of the fax. 
Today, JPMC stated that they never received the fax, despite confirming that I had faxed to the correct #, and acknowledging that we have a Transmission receipt! This is just another stall in this series of delays and " lost documents '' which indicates to me that JPMC is not fully invested in helping consumers to get loan assistance under this government program. I am seeing many similar complaints on related internet sites. I believe that JPMC, by design, makes it so hard to utilize HARP that many consumers give up, and they can therefore continue to charge usurous rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: GA
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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation