BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been submitting letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered to be unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling my request should result to the immediate removal of the unauthorized inquiries listed below : US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  # XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/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 2022-04-17
Company: EQUIFAX, INC.
State: NV
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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
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:
XX/XX/2022 Amount {$8.00} I contacted the company in regards to a fraudulenly accoun opened on my credit report and reporting inaccuracy that has caused damaged after providing a police report o company via email as requested. 

ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA 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 2016-11-13
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
paid this last XXXX and i have a paper stating they were removing from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Other financial service
Sub-product: Foreign currency exchange
Issue: Excessive fees

Complaint:
On XXXX I stopped by the branch to purchase {$2000.00} worth XXXX for my vacation trip. On Tuesday XXXX I received XXXX XXXX in exchange for USD XXXX that were debited from my savings account. This means the USDXXXX exchange rate applied was XXXX. 

However, the official USDCXXXX exchange rate on XXXX was XXXX ( according to XXXX XXXX. This means that, in absence of commissions and at a market rate, I should have received XXXX XXXX. The difference is XXXX XXXX or USD XXXX. 

The rate applied implies a 11.03 % fee for executing this transaction. This is a hidden fee, as it is not disclosed anywhere but implied in the exchange rate, and its size is absolutely abusive. The transaction itself is very simple and does not involve pretty much any costs for the bank whatsoever. 

I sent an email to the company through their customer service center to express my discontent and they told me to go to the branch. At the branch I was told that those are the exchange rates the firm approves and there was nothing they could do. 

I understand there have to be fees associated with a specific service provided, but those fees should be transparent and not hidden in a extremely unfavorable rate for the customer, who does not have an alternative way to acquire local currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: KY
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 am a victim of identity theft, having my personal bank accounts compromised and credit cars opened in my name. I have filed FTC reports for the Identity Theft and my bank accounts was closed due to my accounts being compromised. I have provided XXXX with the FTC report for the identity theft and they are still attempting to collect the fraudulent debt. They are using account statements and fraudulent payments that was processed from my bank account that was compromised as verification of the account. I did not open the accounts. Someone had access to my personal information and applied for the cards. I did not give XXXX to the authorization to report any information to my credit file. Pursuant to the Gamm- Leach- Bliley Act I have to give a financial institution permission to report on my credit file. I was also not given any chance to opt out. They are in direct violation with the FDCPA for attempting to collect a debt that I do not owe. I am being harassed and abused. They are also violating the FCRA and violating my right to privacy reporting this alleged debt that was created due to identity theft of my personal and bank account information. I do not consent to any reporting and I demand these accounts be deleted immediately. I also demand the debt be XXXXXXXX XXXX out in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Bureau of Accounts Control
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
15 U.S.C 1681 Section 602A. States The Right To Privacy 15 U.S.C 1681 Section 604A. States A Consumer Reporting Agency can not furnish a account without my written instructions. 
This Company placed medical debt collection on my credit report without any communication. This Debt does not Belong to me And I want it removed from all three Credit Bureau. XXXX XXXX XXXX XXXX XXXX - Bureau of Account Control XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-02-12
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving 4-5 phone calls a day which includes phone messages 2-3 times a day.

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 2015-06-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted XXXX, Mortgage Banker, NMLS ID : XXXX about a mortgage. He did not respond to my call for more than XXXX hours. I called another Chase mortgage broker, XXXX XXXX, Chase, Mortgage Banker and he replied within an hour. The issue was, I needed to close within XXXX days. XXXX emailed me back, that he could not take an application from me because it would take at least XXXX days to close. I emailed him back and explained I could n't use Chase because of this closing time, and told him I appreciated his time that I was going to go with XXXX. A day later XXXX XXXX called me and I told him SORRY XXXX! He did not return my call in time and therefore using someone else for mortgage. Thanks anyway. He was a bit unprofessional on the phone trying to tell me that he had other business and did n't come into the office until Thursdays. I let him know again, I did not need his services and that 's that! He took it upon himself to run my credit, and write me a letter of denial from chase bank. He never should have moved forward with anything after I told him NO 'THANKS. It brought my credit score down during this time which really makes me mad and he denied me when I have over $ XXXX in Chase bank with a XXXX credit score. He is RETALIATED against me by taking this action and that is why I am issuing this complaint. He needs to be reprimanded and I am calling Chase Bank Consumer Direct to make another complaint with the Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Experian Information Solutions Inc.
State: PA
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/2018 - I made a more specific attempt to resolve issue to Experian and XXXX. 
Two accounts are being reported on my credit history that were opened via fraud. 
XXXX XXXX XXXX XXXX XXXX Line of Credit account and XXXX XXXX XXXX Credit Card. 

I recently sued XXXX XXXX related to employment I had with them in conjunction with the loans mentioned above. I sued in the XXXX Pennsylvania District Court - Case XXXX. My case was over Discrimination, Breach of Contract, Fraudulent Misrepresentation, Interference with Prospective Economic Advantage and Violation of Pennsylvania Wage and Payment Collection Law. Part of my issue with XXXX XXXX was that I they made me obtain the loans for XXXX XXXX benefit with XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. These loans were granted using my Intern Salary which XXXX XXXX only paid me for a short period of time while preparing to open my office/agency. I had to use the funds from these bogus XXXX XXXX loans to the benefit of XXXX XXXX by purchasing XXXX XXXX marketing materials, XXXX XXXX mail and online ads, etc. 

I attached the lawsuit for your review. If you take the time to read the lawsuit, you will understand how and why I had to sue XXXX XXXX. While the case was settled, I still have the credit issues from the fraudulent loans that XXXX XXXX made me take during my Internship. 


XXXX XXXX XXXX XXXX XXXX XXXX - I was required to take this loan as part of a for hire/internship scam by XXXX XXXX. The fraudulent loan should not be reported on my credit report. 


XXXX XXXX XXXX XXXX - I was required to take this loan as part of a for hire/internship scam by XXXX XXXX. The fraudulent loan should not be reported on 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 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 account # XXXX account # XXXX, is violating 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 also states a consumer reporting Agencey 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 2022-04-17
Company: EQUIFAX, INC.
State: KY
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:
I am a victim of identity theft, having my personal bank accounts compromised and credit cars opened in my name. I have filed FTC reports for the Identity Theft and my bank accounts was closed due to my accounts being compromised. I have provided XXXX XXXX XXXX XXXX with the FTC report for the identity theft and they are still attempting to collect the fraudulent debt. They are using account statements and fraudulent payments that was processed from my bank account that was compromised as verification of the account. I did not open the accounts. Someone had access to my personal information and applied for the cards. I did not give XXXX XXXX XXXX Bank to the authorization to report any information to my credit file. Pursuant to the Gamm- Leach- Bliley Act I have to give a financial institution permission to report on my credit file. I was also not given any chance to opt out. They are in direct violation with the FDCPA for attempting to collect a debt that I do not owe. I am being harassed and abused. They are also violating the FCRA and violating my right to privacy reporting this alleged debt that was created due to identity theft of my personal and bank account information. I do not consent to any reporting and I demand these accounts be deleted immediately. I also demand the debt be XXXXXXXX XXXX  out in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
PennyMac is Dual Tracking. Client is in review for a loan modification and a 30day condition letter was sent on XXXX by underwriter XXXX XXXX in the Texas office. Sale date is XXXX. Deadline for docs to be sent in per the letter Pennymac sent is XXXX. 
How can they foreclosure if the file is in review for modification? 
They are dual tracking. 
They are also discrimination based on language, ethnicity, race, marital status. 
We will take legal action if the sale date is not postponed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: Receivables Outsourcing, Inc.
State: DC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This medical expense was paid ( it was fee of {$160.00} ), but they sent it to a debt collector and now it has shown up as an " adverse account ' affecting my overall credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: KEYCORP
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/XXXX, I walked to the Key bank branch located at XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, I asked the employee at the bank to send me the convenient checks from my master credit card to me, I specified that I could like the free interest for a curtain time and 3 % fee upfront ones. I did receive few packs checks from Key bank ; they even printed the " 0 % interest '' on the envelop of at least two of the packs. I cashed the check around XXXX. I noticed there were interests charged beside the 3 % fee to the account after I received the credit card statement posted online in late XXXX, so I went to the same branch. The branch manager suggested I pay the card for the amount indicated on XXXX statement, and he didn't know how much the interests the credit card charged me, he could want to wait the XXXX statement to figure them out, so he scheduled an appointment with me to talk to him again on XX/XX/XXXX. So, I paid {$380.00} as shown on the statement. I met the manager on XXXX, he checked the second statement. His suggestion was to use other checks the bank send to me to pay the first check I wrote, and to get another loan from bank. In total I will pay bank 6 % upfront fee and the high interests bank already charged me, I didn't ask anything like that. So, as of today, I managed to pay all the money I got from bank, I paid {$380.00} in XXXX, I paid rest by check, wire transfer, cash, total {$23000.00}. Together all the money from back, {$24000.00}, was returned back to bank as of XX/XX/XXXX. The fee {$720.00}, the interests bank charged me in XXXX and XXXX, XXXX, {$130.00}, {$5.00}, {$290.00}, {$14.00}, total, {$1100.00}, I will not pay any of those. The bank sends wrong products not as they advised to me, and I never asked the product, so I just returned the wrong product back to them. And I will not pay any interests or fees in the future on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Roquemore Holdings LLC
State: NC
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Roquemore and Roquemore has been contacting my family members and former in-laws regarding a debt that has been verified as fraudulent and removed from my credit report already. A number of years ago, a distant relative established an identity utilizing my middle and last names with alternative residence, identification, and social security information. He was then able to secure credit, a residence and even an on-going vehicle loan. I have worked diligently to have these items removed over the years. As often as I have been able to, I have contacted creditors to have statements and accounts forwarded to me for legal purposes and to contest debts. There is a fraud affidavit affixed to my credit report, as well as other protections to prevent new accounts from being established. Now Roquemore & Roquemore is calling threatening my family members and demanding that the location of a vehicle be disclosed. I reiterate that this is not my account, I do not possess this vehicle and we have no contact with the family member that committed the fraud. The fraudulent social security number ends in XXXX, which is NOT my social security number. When I attempted to call and explain this, the representative presumed that I was lying and became livid and started screaming. I asked that they provide me an address where I could submit proof of this being a case of fraud, yet she threatened that continued calls to my family, landlords, employers and the like would continue if I did not provide the vehicle. I have promptly called an attorney and had them to draft a cease and desist order. They ( Roquemore & Roquemore ) have made no efforts to validate this debt, or it would become blatantly obvious that they do not have my true social security number or name. The original creditor ( XXXX XXXX XXXX ) employed the same tactic of skip-tracing and attempted to add my full name and social security number to the account, which warranted the item being removed XXXX by the credit bureaus.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: JPMORGAN CHASE & CO.
State: FL
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:
Account XXXX Im requesting to reopen the disputes for charge I made on XX/XX/XXXX XXXX XXXX {$710.00}. I tried to dispute this transaction but Chase customer service was not helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I continue to make an additional loan payment each month. I direct the payment to be applied to my smallest balance loan but Navient continues to post the payment to both loans XXXX which are consolidated ) which in turn applies more of my extra payment to interest. Due date is the XXXX of each month. 
XX/XX/18 extra pmt of {$80.00}. Applied correctly {$77.00} principal and {$2.00} interest. 
XX/XX/18 extra pmt of {$80.00}. Applied incorrectly {$48.00} principal and {$31.00} interest. 
XX/XX/18 Contacted Navient by phone. They stated they would correct the payment posting. It appears they re-applied {$10.00} to the principal but this isn't correct. Now {$59.00} principal and {$20.00} interest. Daily interest is {$1.00}. XXXX days of interest would be {$4.00} not {$20.00}. 
XX/XX/18 extra pmt of {$80.00}. Applied incorrectly again. {$48.00} principal and {$31.00} interest. 
XX/XX/18 I emailed Navient requesting they re-apply both payments correctly. 

I would like to make extra payments each month and have them applied as directed without having to call and wait on hold for an extended period of time trying to get the payment posted correctly, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have a Federal FFEL consolidation loan which consolidated loans from XXXX and XXXX XXXX in the total original principal amount of approximately {$85000.00}, however, JP Morgan Chase paid off the loans in the total amount of {$120000.00}, which is a difference of {$43000.00}. Neither my student loan servicer, XXXX XXXX, nor JP Morgan Chase can give me ANY evidence of why this happened, nor can they give me a complete and total line item accounting from the inception of the loans to now. My loan has become more than DOUBLE of the original principal amount which means I am paying twice for my education!!!! And my loan balance does n't budge, which is the subject of my complaint against XXXX under Complaint # XXXX ( XXXX has already reached out and are " trying '' to get me what I have asked for for years, and also admitted that they have made a mistake in calculating the principal balance and therefore improper interest has accrued over the the past 7 years!!!!! ). I would like JP Morgan to give me the original promissory note and ALL loan documentation, evidence of the payoff to XXXX XXXX and XXXX, and evidence of the reason for the disparity in the payoff amount. JP Morgan also refuses to remove delinquency notes from my credit reports which I have been disputing for years and I was NEVER DELINQUENT!!! This is preventing me from qualifying for a home mortgage and for even getting out of my student debt, which will be impossible if these banks do n't rectify their illegal inappropriate compounding of interest. They ca n't even give me an amortization schedule!!!

Company response to consumer: Closed with explanation