BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-16
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:
In mid XXXX XXXX, I filed a written dispute with TransUnion, XXXX, and XXXX to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt XXXX verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt XXXX or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.

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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a mortgage of about XXXX in XXXX my house had some damage. The insurance company sent a check for XXXX made payable to both myself and the mortgage company. I called the mortgage company and told them i wished to pay off my loan. They told me to endorse the check send in a copy of the insurance payout and a letter saying that I wanted to pay off the loan. I have called every couple of weeks since then. They have not paid off the loan or refunded the overpayment. They also keep hitting me with late changes. Every time they give me a different reason. They did deposit the check sent back in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
For the second time chase bank rearranged my purchases that cause my account to be charged overdraft fees 3 times. I was maybe expecting one but they moved charges from Friday, Saturday and Sunday around. These were not charged as credit. This is the XXXX time this has happened and every time I call they do n't see this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Back in 2009, Chase Bank failed to correctly instruct me on how a reaffirmation agreement was to be filed. This has lead to my continued on-time payments to Chase not being reported to the credit bureau thus making me an unlikely candidate to refinance with them to receive a lower mortgage rate. I have been diligently working trying to resolve the Non-Reporting issue with Chase. Unfortunately Chase did not inform me back in 2009 how I was to correctly proceed with asking for a re-affirmation agreement. Thus, Chase is not able to ever report my payment history to the credit bureau. 
I have spoken with many individuals in the Chase Escalations Department only to circle back to the fact that they ca n't do anything for me. Escalations says to speak to the " Loan Manager '' and the loan manager says to speak with the " Bankruptcy Department '' and the bankruptcy department says to speak with the " Escalations Department ''. At this point, it seems that Chase is unwilling to help with our situation even though many mistakes were made on their part. 
My only goal was to refinance with Chase at a lower mortgage rate and obtain extra funds to pay off a personal debt. I believe we have enough equity in our house now that we would qualify. 
I am not sure if we can move forward from here or if upper management can give some kind of approval. I will email the Consumer Financial Protection Bureau to see if they can provide assistance. It is very frustrating being that I am a responsible customer that makes on-time payments and have been throughout my loan history. 
If you have any information you can provide, it would be greatly appreciated. 
Thanks. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
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: Investigation took more than 30 days

Complaint:
ive been working back and forth calling emailing faxing and mailing in information to transunion regarding a positive account that i need added to my file and i keep getting the run around im wasting lots of money trying to get this information to them which they say they arent getting. i purchase a car in XX/XX/XXXX from XXXX XXXX and paid it off in XX/XX/XXXX so i would like this added to my 3 credit bureaus and each one is giving me the run around

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 2017-10-16
Company: Experian Information Solutions 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:
I recently submitted a report for identity theft due to recent discovery my identity has used to open up account for medical and utilites. The following items should be removed and deleted from my credit report Account Numbers 1.XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX 2. XXXX XXXX XXXX  # XXXX 3.XXXX XXXX XXXX XXXX # XXXX 4.XXXX XXXX # XXXX I was living in XXXX OHIO at the time these account were open. I do not recognize these companies and I have never lived in XXXX Tennessee.

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 2019-08-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The information is not accurate. The balance is wrong and I need it validated. I do not have that card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: EQUIFAX, 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:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: HANCOCK WHITNEY BANK
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:
I do not have nor have I ever had a XXXX XXXX account or credit card. 
Yet shows up a delinquient on my credit report. 
How do I rectify this issue?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
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: Was not notified of investigation status or results

Complaint:
Hello so XX/XX/2021 on I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Consumer Financial Protection Bureau ( CFPB ) this is my ongoing attempt to resolve and correct this injustice. Attached are the Denial Notices that should have been offered with Complaint XXXX. These Notices will be added to the already numerous amount of Credit inquiries that currently exist on my Credit History Report which I have been told will remain on the Report for a period of ( 2 ) years. The Credit Denial Notices are based on unlawful and outdated information that was supplied by one of the Credit Reporting Agencies ( Trans Union, XXXX and XXXX ). The behavior of these agencies is causing additional inquiries to be posted to my Credit History. It has been my experience that these agencies take turns sharing erroneous information acting out and a reflection of their own prejudices. For the record the Denial Notices indicated that the Creditors supplied with Credit History information indicating that there are and was Delinquencies, public record or Bankruptcy. This incorrect and erroneous information was supplied and offered by XXXX. Many attempts have been made to clean and correct the Credit History File over the past 10 years, what XXXX claimed took place almost ( 40 ) years ago and the sharing of that information was irresponsible, irrelevant and prejudicial. However what occurred was a Bad Creditor forced me into the Delinquencies and Bankruptcy and for the record I want except or tolerate any Creditors who hide behind bogus agreements and faulty merchandise just like Credit reporting agencies who erroneously and falsely share unlawful and outdated information. The Denial Notices offered the erroneous explanations for why the Credit Applications were DENIED however the bad behavior of Trans Union, XXXX and XXXX failed to stop or discourage XXXX XXXX from approving the $ XXXX Loan. XXXX XXXX approved the vehicle Loan Applications withstanding the current false and erroneous information that was offered by Trans Union, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
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: Investigation took more than 30 days

Complaint:
ive been working back and forth calling emailing faxing and mailing in information to XXXX regarding a positive account that i need added to my file and i keep getting the run around im wasting lots of money trying to get this information to them which they say they arent getting. i purchase a car in XX/XX/XXXX from XXXX XXXX and paid it off in XX/XX/XXXX so i would like this added to my 3 credit bureaus and each one is giving me the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, NJ XXXX only address that should show is : XXXX XXXX XXXX XXXX, NJ XXXX **In addition hard inquiries not made by myself : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX In addition : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IA XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights 15 U.S. Code 1681s602a-Section 1- I have the right to privacy 15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission

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 2019-12-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
ive been working back and forth calling emailing faxing and mailing in information to XXXX regarding a positive account that i need added to my file and i keep getting the run around im wasting lots of money trying to get this information to them which they say they arent getting. i purchase a car in XX/XX/XXXX from XXXX XXXX and paid it off in XX/XX/XXXX so i would like this added to my 3 credit bureaus and each one is giving me the run around

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: Mountain Run Solutions, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2021, I called XXXX XXXX XXXX XXXX, company to stop the recurring payments with the payment arrangement I set up for the debt amount. The payment arrangement was XXXX per month and the debt amount was XXXX. I spoke with agent XXXX XXXX and he sent an email confirmation to confirm the cancellation of the payments. After this agreement my account was not debited for XXXX but was debited XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of 2021.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I filed for Chapter XXXX bankruptcy protection on XX/XX/XXXX. At that time, my property, financed with a mortgage and HELOC with Chase, was declared exempt and my Statement of Intent declared that the property would be retained and that I intend to " Continue to make monthly payments as they become due, '' which I have done fully and on time. However, Chase flagged both accounts as " in bankruptcy '' As a result I never received any notice that the interest rate lock on my HELOC would expire on XX/XX/XXXX, so I missed the " drop period '' for setting a new lock on the interest rate. Chase is claiming that since I missed the " drop period, '' I am not eligible to place a lock on my HELOC. When I escalated this issue to the Bankruptcy Escalation Department at Chase, I was read what was described as a standard disclosure notice that sounded to me like Chase has the option at any time to close my account and proceed with foreclosure on my property. I declared that I did not give my consent to proceed and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My mother opened a capital one credit card in my name without my permission. I just noticed it and this is fraud I did not open anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Application processing delay

Complaint:
I was denied a credit card by Chase Sapphire because I had opened XXXX credit cards in the last two years. I have never defaulted on a payment in the last 50 years, I own my own house and two cars, I have almost {$1.00} million in my brokerage account, I have no problems with my credit score, I have no debts whatsoever and I pay all outstanding bills in full before the due date. To me this is an arbitrary rule that should be subject to review when requested by the customer who has had an application denied. Despite my inquiry and request five times to Chase, they are unwilling to review the application based on the additional information that I have provided. To me this is discrimination against those of us who have maintained excellent credit over our lifetimes and wish to make only credit card purchases. We are falling into the same category as those people who simply live beyond their means by unwisely using their credit cards. I resent being so classified and not even being able to have anyone review my application. Gosh, even XXXX are vetted! I ca n't get anyone to listen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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/2019 I submitted a credit bureau dispute online with Transunion. In XXXX ( around the XXXX ) I logged in to check the status and it showed investigation was complete and that I would receive the results of the investigation. On XX/XX/XXXX I had still not received the results so I logged back in to Transunion and it is showing as investigation cancelled. I contacted them and they are unable to tell me why it was cancelled or offer anything except for that I would have to refile the dispute. This was already my 3rd attemt at refiling the dispute. Under the FCRA I want this information removed from my report. They have not complied with the requirements of FCRA in regards to timeliness of investigation, notice of results, or anything else.

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