BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2016, XXXX XXXX pulled my credit without my knowledge or consent. Despite several phone calls to the company, and many letters to XXXX XXXX and to Experian, this inquiry has not been removed from my credit report. I know it 's a small thing, but it looks as though I have been seeking additional credit lines, which I am not. 
I am appalled that a company like XXXX XXXX is allowed to pull consumers ' credit without a legitimate purpose. I have NEVER applied for an XXXX XXXX product, and they have no business pulling my credit and leaving an inquiry on my credit report. 
I really want this removed from my Experian Credit Report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I ca n't get either a credit score or report. I 'm afraid I might have gotten identity theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
the year XX/XX/2007 I sighn a contract for sale my house by owner with my tenant rented my townhouse for 3 years. I agreed my XXXX XXXX XXXX to be a buyer lawyer. I find out my contract was again my agreedment. fisrt : my tenant hire a realtor agentAttorney XXXX, second I have to lie to the Hud loan program that I receive {$110000.00} ( {$110000.00} ) so she can pay to her realtor agent {$6000.00}. My tenant 's XXXX used to ask me buy my house with {$160000.00} by 24 Karat gold. at that time XXXX received welfare and food stamp. I call to the office layer to cancel the sale, in the meanwhile I went to Bankrupcy court to stop the forclosure. On XXXX I receive the envelop summon that I have to be at the court next day. The rulling the order I have to sale my house to her brother just been in USA for 2 years with the mortgage Hud program 5.5 %

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Balance transfer

Complaint:
In XXXX 2015 I started to write to a girl XXXX, that I met thru an on line dating site. I am retired a yr and tired of being alone. I sent her some cash using XXXX XXXX or XXXX in XXXX and XXXX for her to get documents and be ready to move to the XXXX. In our daily letters she mentioned early on that her dad was deceased for 5 yrs. 
In XXXX she asked me to help with an issue, The story was that her deceased dad 's long lost business partner was here, XXXX, and wanted to send to her cash for her elderly mom to live on there in XXXX. She asked me to contact this fellow XXXX and to work with him. The guys name was XXXX XXXX. We connected via phone and e mail many times-he asked me to use my charge card accounts to take balance transfers, put that cash into my checking account and to wire that cash to the family XXXX, specifically the 'uncle ' of my 'friend ' XXXX, and the younger brother of her mom. He said he wanted to repay my charge accounts using direct electronic deposits from his business account, that they would be business expenses on his records. 
As he would the next day or 2 after my taking the balance transfers repay my accounts, including the related balance transfer fees, I could check and see the repayment had happened before wiring the funds XXXX 
This seemed odd to me, but I was anxious to help my friend and utterly safe to me financially. I had earned an excellent credit history over the years by never being late, and never charging more than I could readily repay. 

By this means I feel Case Bank enabled me to send XXXX about {$3500.00} XXXX times. All thru XXXX and early XXXX I felt I was being the greatest possible friend to these people, I had no clue this was a scam until I received a letter dated XXXX that the payments to my cards had all failed, and that I was therefore in debt for this tremendous amount. I also found then that the supposed payments from XXXX XXXX business were instead done by him calling in to the bank CLAIMING TO BE ME, and using some fake account to repay the charges. 
Again, as I had said each time that the payments were made by a 3rd party, if the Chase employee had noted they were made by " me '' this could have been averted. Why would I need to ask if my own payment was made? 
I contacted the Chase fraud department, they stated as I had supplied my account no. to XXXX XXXX XXXX there was no fraud and that I was wholly responsible. My identity had been used to make fake payments on the account XXXX times, almost {$16000.00}. On no occasion did anyone at the bank tell me that the supposed payments might in fact fail to be 'real '.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: United Shore Financial Services, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was transferred from United Shore Financial Services , LLC to XXXX XXXX XXXX XXXX. I recieved a Letter from United Shore Financial Services on XXXX/XXXX/2016 stating that my loan was transferred effective XXXX/XXXX/2016. The date on the letter XXXX/XXXX/2016 and they are located in New Jersey. There is no way it takes over 3 weeks for USPS to deliver a letter to anywhere is the USA, so for whatever UWM did not mail it out right away. The letter states that they will stop accepting my payment effect XXXX/XXXX/XXXX and I need to pay XXXX directly. I was enrolled in automated payments and they stopped drafting from my bank. I have recieved NOTHING from XXXX yet. I do n't even know my account number so I ca n't mail a check to them today. I read online that if my loan is transferred then I have to receive notice 15 days prior to the transfer. I never received that notice until 4 days after the transfer. Now my payment is going to be late to XXXX and I do n't think this is fair. United Shore Financial Services was required to give me notice that it was transferring my loan. If they did that I could have called XXXX before XXXX/XXXX/2016 and got my account number and sent a check out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Delinquent account

Complaint:
I was activated and protected under XXXX during in 2008 my income was cut in half and I was unable to make payments. I disputed the charges that were being charged and after chase reviewed the charges that were outstanding they sent me a check in the amount of {$800.00}. These errors were reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I 'm not certain if this is a USAA banking issue or a general banking issue, but it is an issue. I deposited a check via mobile banking on XX/XX/XXXX. I should have shredded the check right away but USAA said it could take 3 business days for them to accept the deposit. I set the check aside, then XXXX happened. On XX/XX/XXXX my husband saw the check and thought I had n't deposited it yet. He took it to a local bank and somehow it was deposited into a seldom used savings account. Neither my husband or I realized this had occurred. On XX/XX/XXXX USAA deducted the deposit that was made on XX/XX/XXXX from our account and said it was a duplicate deposit. They could n't tell me anything else, where and when the other deposit was made, etc. Of course, my first thought was that someone must have stolen the check and deposited it somewhere. I looked at the details of the XXXX other checking accounts we have and there was no duplicate deposit. I did n't think to look in that savings account as the only transactions there are automated savings deposits and we do n't even have deposit slips for it. However, to be sure I pulled up the info on all of our accounts including that one, and there it was. How it went there is still a mystery but that 's our issue. My point is that while the mistake was absolutely ours, in these days of so much theft and fraud it would have been helpful if USAA could have given us the information about the duplicate deposit - bank and date of the duplication. If it is a Federal rule to either not provide that info to USAA or to not allow USAA to provide the info to the consumer, maybe that can be changed. Thank you for considering this issue.

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 2022-11-11
Company: Experian Information Solutions Inc.
State: AL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXXXXXX 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 XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-01-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
I had ordered a set of home theater recliners from XXXX XXXX on XXXX XXXX, XXXX. 
When I found out the order did not come with white glove delivery I cancelled the order. 
The item had not been shipped by the vendor and I did not receive anything. 
According to the merchant ( XXXX XXXX ), the credit was issued on XXXX XXXX, XXXX. 
I had set up a dispute through Chase bank the card issuer. 
I have made several calls to the Credit card company inquiring about the status of my dispute. 
Initially I was told by the Chase that the credit will be applied on the XXXX. 
When I did not see the credit on the XXXX, I called again and was told it is under process. 
Now when I called today ( XXXX XXXX ) I was told that nothing has been done and they need to enter the information again. 
I also made several calls between them. Please get all the recordings of my calls to find out how the representatives, supervisors there are lying or are totally incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
In the evening of Tuesday XXXX XXXX 2016, I made a cash deposit of XXXX {$1600.00} ( XXXX XXXX, XXXX XXXX and XXXX XXXX dollars ) into the ATM number XXXX located in the Chase Branch at the XXXX XXXX of the XXXX ( XXXX XXXX ) in XXXX, NY ( XXXX ). 

Immediately after inserting the bills into the machine, the screen showed me an error message ( picture will be attached ), explaining that the ATM has experienced a technical problem and I should contact a Chase representative at their Claims Department. I printed the receipt ( also will be attached ), with the transaction ID, ATM ID, address, last XXXX digits of the account that the deposit was intended to be done, date and time of the deposit. 

After calling the Claims Department ( Claim # XXXX ), I was communicated that Chase would review the claim for up to 10 business days, without crediting the funds in my account, and no temporary credit would be done to mitigate the impacts of their machine malfunction in my daily issues. 

I called my Chase Banker and he emphatically said that I needed to call again the Claims Department, not hanging up before getting the temporary credit, because that was a bank error and I should not have any harm due to a bank 's error. 

Several other attempts to talk and escalate the situation were tried, still in the Wed XXXX and the Friday XXXX XXXX 2016, getting to the point where the representative of the Escalation Team in the Claims Department communicated me that no credit would be done prior the conclusion of their process and that was their final answer to the case. 

After being asked what would be a valid next step for my complaint or who should I reach in a different team to report my case, they said that they do n't have any other contact to pass to me and if I wanted to file a complaint about the Claims Department on the lack of solutions, I should do that with the Claims Department, without spotting the illogical conflict of interest in the situation. 

My complaint is the lack of the temporary credit in my account due to the bank 's error and the inability to deliver any other mitigating solution. In the last call I communicated my intention to file a complaint in the regulator that would overview this type of cases. 

The deposit was done in a Chase Private Bank branch, and the bank has the cameras in their hands to accurately investigate the process and react in case there was any inaccuracy in my claim, reserving the right to correct my temporary deposit in case that happened. As it was a very relevant value and several bills, I counted bill by bill in front of the ATM, leaving no doubt to the correct amount that should be credited in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-16
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I would like to have incorrect mailing addresses and incorrect aliases removed from my credit reporting files. In the past, I have disputed incorrect names and addresses, yet they remain on my credit reporting files. I was not able to access my free credit report online via Experian and had to pay in order to obtain a copy of 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 2016-10-26
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i keep sending this information I get no answers once again i need answers on the loan modification it clearly states my payment start on XXXX/XXXX/XXXX, why was the escrow not collected from XXXX/XXXX/XXXX, instead of starting per chase on XXXX/XXXX/XXXX where is all the escrow money from payments fron XXXX/XXXX/XXXX to XXXX/XXXX/XXXX Your payment work clearly states all this information so where is the XXXX for those six months You representatives clearly told me many times my escrow is collected from XXXX to XXXX so where is XXXX to XXXX? Also on another letter dated XXXX/XXXX/XXXX it clearly says effective XXXX payment was XXXX of XXXX, so that will add another month in question refe number on letter is XXXX, so this refe number clearly says my loan stated in XXXX so why does escrow go from XXXX to XXXX? 


OM THE MORTGAGE STATEMENT DATED XXXX/XXXX/XXXX it clearly shows escrow payment should have been XXXX there is not amount as this on escrow history paper they sent me so how much was added in the account for the XXXX/XXXX/XXXX payment on the payment statemented dated XXXX/XXXX/XXXX it states that on payment due it is only XXXX but on the history paper work sent to me it clearly shows XXXX was put in to escrow where is the rest of the money on XXXX says XXXX goes to escrow but on the history sheet it only has XXXX where is the XXXX XXXX why is there a XXXX money added into principal curtailment where did this come from on XXXX/XXXX/XXXX i paid a extra XXXX on escrow but it clearly shoes they added it to principle curtailment why also on XXXX/XXXX/XXXX for the amount of XXXX and XXXX/XXXX/XXXX for XXXX and XXXX/XXXX/XXXX for the amount of XXXX for XXXX for XXXX my copies from the bank clearly show it was escrow deposit is n't that illegal since my receipts show it was escrow in XXXX there are several months that my payment was suspended and never was added into a payment this also will make escrow short the months are on the transaction history clearly shows they were never added in XXXX, XXXX XXXX I have asked this be answered they are not answering it going back to XXXX/XXXX/XXXX I was also cheated out of money stated at XXXX then they took out XXXX saying i had minus XXXX then added back in XXXX coming up with a plus of XXXX you can look at this and see its incorrect why was this not corrected what is a loan maintenance for XXXX dated XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was making on time monthly payments and then paid the account off for a negotiated price with the promise that the account would report as paid in full. The account reported 30 days late when I paid it off even though I had been making on time payments. They also reported as settled for less than the amount owed and the credit bureaus and company have failed to validate any information regarding the account but continue to report it despite my contined disputes.

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 2015-07-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I called JP Morgan Chase to find out the status on my account, which is a debt I owe. The representative I spoke with told me that if I did n't enter into a payment plan or a settlement, my wages would be garnished upon filing my tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have paid off my XXXX XXXX consumer loan accounts, XXXX and XXXX. It 's been over 5 months ( XXXX ) and 2 months ( XXXX and XXXX ) and the credit bureau still shows a balance. The creditor has sent me letters stating that all accounts have been paid in full but the credit bureau still decides to report inaccurately. I want to sue this company and seek damages. 

Please help me anyway that you can to bring this criminal company to justice.

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 2015-04-24
Company: JPMORGAN CHASE & CO.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We met with a mortgage lender to find out how much it would cost to close on a new home. We were told that the normal closing costs were {$1300.00}, but because we were premier clients, it would only be about {$600.00}. To start the application, the banker withdrew {$480.00} from my checking account but told me it would be part of the closing costs. On Friday afternoon, XXXX XXXX, 2015, I contacted the lender to see if he had a closing statement ready for our XXXX XXXX, 2015 closing. It was at that time I found that the bank was charging me an additional {$630.00}. I immediately began making telephone calls, but no one was available to help me. At the closing on XXXX XXXX, 2015, the title company showed me a good faith estimate explaining the closing costs. This is the XXXX time I saw the document. I asked the title company to sign, date and give me a copy of the GFE. 
The lender insists that my closing costs were only {$630.00}, but disregards my downpayment of {$480.00}

Company response to consumer: Closed with monetary relief