BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I was paying bills with my Chase when I clicked submit apparently it was just after their cutoff time. consequently I got a message saying XXXX of the bills were being submitted and XXXX were not. I did not understand the message so I called Chase to find out what the problem was. During this time the screen timed out and apparently the XXXX payments indicated were sent. XXXX of the payments to XXXX XXXX XXXX was for the wrong amount it should have been {$45.00} and was instead {$90.00}. I was eventually, after threatening to file this complaint, sent to claims. Short version of the story. they told me they could n't do anything because XXXX XXXX XXXX offices were closed. I was told, they would need to send a fax to XXXX XXXX XXXX to explain the issue and the funds returned to chase and placed in the correct XXXX bill payment account ( I have XXXX accts, XXXX for uvers - XXXX for home phone ). I have been on the phone for over an hour today trying to reach a supervisor in the claims dept to get this resolved and have yet to be connected to anyone who can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: CT
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 went to purchase a car but there were too many hard inquiries. 

BANK XXXX XXXX, XXXX, XXXX BANK, XXXX CARD, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several hard inquires on my transunion credit report I have contacted transunion they stated I needed to contact each company individually and tell them which took hours and still I have a ton of inquires including new ones that I did not authorize that I want removed from my credit report as it is harming my report. 
I also have a collection account on my credit report that XXXX and XXXX have already removed and it is still on transunion account. I would also like for this collection account to be removed 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 2018-01-20
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
J P Morgan Chase foreclosed on my mortgage and made XXXX when it was sold and they did not give me XXXX penny. 
The address is XXXX XXXX XXXX. XXXX, CT. XXXX They ran there own bank. I sent them XXXX XXXX 3 months payment and they returned it in a refund and foreclosed. The payment was sent 46 days late so I sent them the back payment the second payment on the XX/XX/XXXX and the next months payment a month ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
All my accounts are included in the bankruptcy. These accounts need to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-01
Company: Experian Information Solutions Inc.
State: UT
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 believe I have been a Victim of Identity Theft. There has been XXXX or more fraud accounts .On my credit report that I'm not aware of. I'm reporting these accounts to be investigated indicating 605B Code 15 Section 1981I. I'm asking these accounts be deleted and removed until A Further investigation has been enforced. My Credit is very important to me. I have had many issues due to inaccurate information on my credit reports. These accounts need to be addressed and deleted until Further due diligence is determined. 

Also wanted to state that XXXX XXXX did not at all have my permission to have a loan in my name what so ever. Im reaching out to you for your help. Please have this removed from my credit reports and to do something about this company. 
thank you so much for your help I greatly appreciate you from the bottom of my heart.

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 2016-08-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Select Portfolio Servicing which Is paid on time and current. I had a fire in my home on XXXX XXXX, 2016. The insurance company issued a check in the amount of {$24000.00} which was made out to myself and the above Bank. I signed the check and sent it to the Bank on XXXX XXXX, 2016. I had all the paperwork they required signed by the contractor expressed mailed back to them on XXXX XXXX, 2016 they told me they received it and I would receive a check for the full amount of $ XXXXand would be mailed out in 5 business days and the mail would then take 10 business days to get to me. I called after the 10 business days and they said they never cut the check and again I would have to wait this 15 business day period bringing me now into XXXX. They have been holding my insurance check since XXXX now to XXXX. This is a rental apartment so I am losing 3 months rent which does n't seem to matter to them. I am a XXXX yr old widow and If I was 3 months late on my mortgage I would be in pre-foreclosure. Is there something you can do to them to make them overnight my money which I stressed to them I wanted done and they said I still have to wait an additional 5 business days before they could even cut the check. 
My account number at Select Portfolio Servicing is XXXX. Property address is XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX. 
My mailing address is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, phone XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: BB&T CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank levy appeared on my BUSINESS banking account for my exact posted balance plus {$120.00} on XXXX/XXXX/2016. Then the following day, the bank levy adjusted to {$44000.00} on XXXX/XXXX/2016. I spoke to BB and T representative XXXX in person at XXXX XXXX branch on XXXX/XXXX/2016 about refunding returned and overdrawn fees with an understanding that my posted balance would be released to me on XXXX XXXX, 2016. She was successful in accomplishing this ; however, I am uncertain if my BUSINESS banking account balance can be cleared out with a XXXX balance to satisfy a credit card debt from a XXXX XXXX that is almost a decade old. This bank levy seems to be a political move and a personal attack. I have been a bank client for over ten years. I am very confused in how my account is being handled. I feel like they are helping to extort me. I am very traumatized by the seizure of my business checking account. I could have been out of town or out of the country and stranded based on this account seizure. No one should feel safe with their money in a bank when extortion by anyone is possible with a judge signing off on it. My article is attached. XXXXl

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 2016-08-04
Company: BB&T CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Hello, On XXXX XXXX, 2016 I had approximately {$9.00} in my checking account. On XXXX XXXX an overdraft fee of {$36.00} dollars was charged to my account. On XXXX XXXX there was a scheduled insurance payment to come out of my account to the tune of {$140.00}, this draft did not come out of my account on XXXX XXXX but instead came out on XXXX XXXX when my direct deposit came in.On XXXX XXXX I had a direct deposit of {$720.00} come in at or around XXXX. The bank processed the automatic draft first and than the direct deposit credit after resulting in an overdraft fee. When I went to talk to the bank about this they denied me a refund for the overdraft fee and recommended that I better manage my finances and bill payments. I would recommend that they process the credits to my accounts first before the debits to avoid unnecessary fees. We are a hard working family of XXXX and do our best to make ends meet and can not afford {$36.00} this month due to bills. Any help in this matter will be greatly appreciated and we thank you for your time.

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 2016-09-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XX/XX/2016 unauthorized transactions was on my account. File complaint with claims department of chase. Call police department after getting home from work. File report with XXXX County police XXXX XXXX. Went to bank file complaint of unauthorized chargers on account. Temporary credit was given. Thought problems was resolved. On XX/XX/2016 XXXX chargers was place bank on account stating that there was no evidence of fraud. Sent more documentation to claims department, Bank refuse to credit account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work, and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations, so I care to protect the integrity of my credit 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 explanation
Consumer complaint received 2017-02-04
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card
Issue: Billing disputes

Complaint:
I contacted Chase on XXXX/XXXX/XXXX notifying them that I wished to open a billing dispute in the amount of {$280.00} for a charge that occurred on XXXX/XXXX/XXXX from XXXX XXXX. I then contacted Chase again on XXXX/XXXX/XXXX because I had not heard anything additional, except for a confirmation that they were working on my dispute ( see attached ). I did not receive an outcome to the issue until the resolution was mailed on XXXX/XXXX/XXXX. This falls significantly outside the FTC 's regulation that the dispute be resolved within XXXX billing cycles ( but not more than 90 days ) after being notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Quicken loans provides pre-approval letters without doing due diligence. This results in delaying closings which have financial impacts to buyers and sellers. When I bought my house in XXXX XXXX, MI they kept delaying my closing because they would not get their act together. 
Now that am selling the house, quicken loans provided a closing date of XX/XX/XXXX, and today one day before the closing they once again send out a statement saying they need to delay the closing one week. How can the government allow such abuse of the average citixpzen by the big company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work, and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations, so I care to protect the integrity of my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am XXXX of the small church, The XXXX. 
Our church is a customer of the bank Chase, account NO. -- XXXX, account name : XXXX. 
The bank has caused our complaint since XXXX. 
We found a serious problem in our account : The checks that we had issued and the bank had paid in XXXX were used again in XXXX, the bank paid to someone ( XXXX ) about {$1800.00} ( four checks ) from our account. Even though the name ( XXXX ) of " pay to '' was written over the original names that they were already used. We guess an employee of the bank used the used checks. This problem came from the chase bank 's mistake 100 %. 

We claimed the bank to return our money {$1800.00} to our account XX/XX/2016 ( claim No. # XXXX ). But the bank did not even though we have asked every week. They are repeating, " wait ''. The branch bank : No, XXXX address : XXXX, TX XXXX We think the bank must return our money at once. We need the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions 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:
This is XXXX XXXX and I am submitting this CFPB Complaint to you today to request from you to remove the fraudulent items I found on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under the FCRA XXXX XXXX, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work, and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations, so I care to protect the integrity of my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work, and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX XXXX XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations, so I care to protect the integrity of my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-01
Company: SECURITY FINANCE CORP
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I sent a billing error notice to Security Finance, which was received on XX/XX/2021, requesting documentary evidence to verify the source of funds pursuant to 12 CFR Part 1026.13 ( a ) ( 6 ). In my request, Security Finance was supposed to provide the books of accounting for both the public and private sector particularly IRS Publication 583. I have called on multiple occasions regarding this matter, but Security Finance has failed to respond. It has been beyond 30 days and Security Finance has defaulted on the matter. 

I also sent the organization a cease and desist in XXXX. The cease and desist order was to cease all communications. The company has sent late payments to all consumer reporting agencies without acknowledging my billing error dispute and without providing the evidence of indebtedness. 15 U.S. Code Section 1692a ( 2 ) defines communication as the conveying of information regarding a debt directly or indirectly to any person through any medium. The organization is in violation of the cease and desist order.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: U.S. Auto Sales Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My hours at work were cut because of Covid19 and I was unable to make payments on time for 2 months. I asked for a deferred payment plan and for the late payments to be removed. I has given a new payment plan but I still have late payments on my report. Before covid and even a while after, I have never missed a payment. I don't think it's fair for me to be penalized for something that was out of my control. My account is now paid up to date and I would like for that to be updated on my credit report. My balance and current payments are also incorrect. It is showing I have a balance of XXXX but my account is showing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Wells fargo has a credit system its free, i just want to know how they come up with a score of XXXX, compared to XXXX  and XXXX XXXX, the reason they are listing my score is low are out of scope. My debt is below 9 percent, so i am confused on the XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
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: Account status incorrect

Complaint:
Question for XXXX  Student loans still appear on credit which has adverse effects on ones financial ability to obtain credit worthiness for issues and products and services.

Company response to consumer: Closed with explanation