BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-03
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I contacted my current mortgage company to inquire about refinancing my loan to shorten the term from 30 to 25 years. After speaking with XXXX I submitted an application based on the terms he presented. I was provided with an extensive list of verifications to gather and submit and completed an application over the phone with XXXX. After several days of repeated requests to submit and resubmit the same paper work, I grew frustrated and wrote an email to XXXX informing him that the process was taking too much time from my business day and I didnt care to continue if there would be more paperwork required. XXXX wrote back to indicate he only needed a pay stub and after that he was sure the underwriter would approve the loan and there wouldnt be the need to continue searching for and sending documents. Based on his email to me, I agreed to provide him with the {$500.00} non-refundable fee believing that he was operating in good faith and i would proceed toward a loan. After sending them the funds and waiting a few days I got another message from XXXX indicating that the underwriter now wanted another 8 or 9 pieces of documentation, many of which would take hours and even weeks to obtain, and several that had been submitted previously, some of them more than once. I called to complain and was connected with a supervisor, XXXX, who proceeded to tell me that I never qualified for the loan in the first place and should have been stopped at the application because I do not meet their income to debt ratio. At this point I dont care about the loan, but am curious and very angry about a mortgage lender taking money from me for a loan he knew he could n't make, and worse, wasting significant portions of my time providing documents when the loan had already been essentially denied due to failure to meet credit standards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-28
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Greetings, Once a year, the company which holds the mortgage on my home, PHH Mortgage will send me a check for any overage I have on my escrow account. Since XXXX, I have been waiting for a check for more than {$900.00} dollars. To date, i have not received the check. The company claims they will send it to me shortly but those claims have been made to me since XXXX. Every time I call to follow-up, I am advised nothing has been done. I am not sure who else to turn to. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2023-02-05
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
All credit bureaus have outdated information of personal information. The only valid information is as follows : Name : XXXX XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XX/XX/1988 or XX/XX/1988 or XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I applied for a XXXX credit card today XX/XX/20 and I was not approved. I had no idea why I didn't get approved since I don't have any negative account information on my credit ; I called to ask why I was denied and I was told that the reason I wasn't approved for the credit card was because there are accounts in negative standing on my credit. I immediately looked through my credit report and found three accounts that are not mine. The accounts are from XXXX, XXXX XXXX and XXXX XXXX. None of these account belong to me and I have never opened any account with any of these companies. I have reason to believe that someone stole my personal information and used it to open these accounts without my permission. I have already filed a police report with the information that I have. I never received anything from these accounts such as money, goods, services or any other benefit and I never allowed those companies to run or access my credit.

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 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am a victim of identity theft. My personal information and identity is being used to fraudently obtain accounts. My information was exposed over 3 times in the last 4 months and my personal information was used 6 months ago. I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I am a victim of identity theft. I received a letter in the  US  mail from Synchrony Bank on   XXXX   XXXX  2017.  The letter advised that my recent request to obtain credit had been denied. The letter was addressed to me under my maiden name. I immediately contacted Synchrony Bank Customer Service to advise I did not authorize the request for this credit. I requested a copy of the application details to be mailed to me. I was advised to submit a formal request in writing. I sent a written letter following up to my request for records and mailed it certified mail, tracking #  XXXX   XXXX   XXXX   XXXX   XXXX   , w hich Synchrony Bank received on  X/XX/17   . Since I received no response from Synchrony Bank, I sent a second letter to request a copy of the application on  X/XX/17   , tracking #  XXXX   XXXX   XXXX   XXXX   XXXX   ,  which Synchrony Bank received on  X/XX/17   . Both mailings included copies of my FTC Identity Theft Complaint and the face sheet referencing the Police Report I filed relating to my identity theft. As of today,  X/XX/17   , I have not received a written response from Synchrony Bank regarding the application details. In accordance with section  609 ( e )  of the Fair Credit Reporting Act,  15 U.S.C. 1681g ( e ) , I am entitled to the business records relating to the fraudulent request for credit. The law directs these documents are provided to victims of identity theft at no charge, and without requiring a subpoena, within  thir  ty ( 30 )  days of my written request. I am filing to complaint due to Synchrony Bank not responding to my request.

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 2015-07-11
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Asset acceptance llc in XXXX Mi received a judgement against me for a debt from the XXXX district court. I was not notified and if the debt is indeed mine it is very, very old ... at least 10 years. It 's for {$18000.00} and my state tax was garnished. They must have misrepresented the debt to receive the judgement. They have a history of engaging in deceptive practices to collect time barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Biehl & Biehl, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by Biehl & Biehl XXXX XXXX XXXX XXXX XXXX IL XXXX a collection agency on XX/XX/2021 about a debt that I don't owe, I never signed a contract or agreement to pay such charges {$1700.00} I disputed the debt and asked to the collection agency to validate the debt and provide me a proof that they are Licensed to collect debts in Florida, on XXXX XX/XX/2021 they write me again this time, ( quoting ) " We have written you several times about this past due bill but you have not responded '' they ignored my response and started XXXX my cell phone, they are acting in behalf of XXXX XXXX XXXX I never signed any invoice accepting the charges that they are trying to collect, including some charges that never happened at all. The collection agency is in a clear violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PULL MY CREDIT REPORTS SEEN THIS DEBT ON MY REPORTS. DEBT IS NOT MINE, HAVE NO KOWLEDGE OF THIS DEBT. IF THIS COLLECTTION COMPANY CAN NOT PROVIDE ME THE ORIGINAL IFORMATION ABOUT THIS DEBT OR ACCOUNT. THIS DEBT SHOULD BE DELETE FROM ALL 3 MAJOR CREDIT BUEAURS. THANKS

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 2021-05-20
Company: Experian Information Solutions Inc.
State: IL
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:
Filed a complaint with XXXX XXXXXXXX on the following dates : XXXX XXXX XXXX All for the same issue of my current credit card Which was opened on XXXX XXXX not appearing on my experian credit report. I have filed a complaint directly with experian and it still has not been resolved. Inaccurate data is being reported and that is not okay. The inaccuracy of reporting is causing a great financial burden for me and my family.

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 2019-05-31
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Since the beginning of XX/XX/2019. I have always paid my credit card bill on time..I usually pay more than I am required.I pay between $ XXXX {$100.00} each month.I have noticed that my balance hasn't lowered with each payment.I have never ever been late with a payment.MY ACCT # 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 2020-04-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I applied for a XXXX credit card today XX/XX/20 and I was not approved. I had no idea why I didn't get approved since I don't have any negative account information on my credit ; I called to ask why I was denied and I was told that the reason I wasn't approved for the credit card was because there are accounts in negative standing on my credit. I immediately looked through my credit report and found three accounts that are not mine. The accounts are from XXXX, XXXX XXXX and XXXX XXXX. None of these account belong to me and I have never opened any account with any of these companies. I have reason to believe that someone stole my personal information and used it to open these accounts without my permission. I have already filed a police report with the information that I have. I never received anything from these accounts such as money, goods, services or any other benefit and I never allowed those companies to run or access my credit.

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 2019-12-05
Company: Midwest Recovery Systems
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this company or alleged debt. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
There is a Chase account reporting on XXXX  and XXXX  that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with Chase, XXXX, and XXXX and they have failed to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Clarity Services
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have placed a Freeze on my Credit Report with Clarity Services, XXXX XXXX. XXXX XXXX, XXXX, Florida XXXX, phone : ( XXXX ) XXXX. 

On XX/XX/2019 I was notified by XXXX XXXX XXXX c/o XXXX.XXXX XXXX XXXX that according with Clarity Services credit report released from their files, my application for a loan could not be approved. 

I am very upset about Clarity Services for not enforcing my request to Freeze my account as previously requested. Clarity Services released a negative report. 

I have my credit report open with 3 credit report bureaus and I don't permit other credit report services such as, Clarity Services, to release my credit information. 

For the record, there is no any negative information about my financial records. I have been approved by other lenders. Consequently, Clarity Services action is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: EQUIFAX, INC.
State: NC
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:
About 4 months ago i started receiving calls from multiple unknown numbers, they were debt collectors asking about accounts i have never heard about. I recently received notifications stating that my information has been exposed in recent data breaches. In result of my information being exposed my identity is being used to commit fraud, and used to obtain fraudulent services. I have no idea who could have stole my identity but i am being seriously affected negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Experian Information Solutions Inc.
State: MS
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:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 COLLECTIONS XXXX XXXX XXXX XXXX {$190.00}

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 2020-04-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was just informed that a chase employee named XXXX at number XXXX : Discussed my banking history with chase AND XXXX XXXX  with an unauthorized third party ( XXXX XXXX ) and then refused to contact me through an interpreter and let me instruct her regarding a check I wrote that cleared and what if any financial information I would allow her to disclose if at all! 

She refused to accommodate calling me to conference in with XXXX XXXX  regarding a check which cleared XXXX and that chase would not clear for this third party. 

She said XXXX XXXX has been bouncing a lot of checks with this 3rd person.

You need to make this right. I am himilated and feel dehumanized. She would not contact me in an accessible way and so now this person things I bounced a check with them that I didnt! She defamed me and they need to make this right. 

Ps - the check was my part of rent and now Im late and Im going to get 100s of late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I had my personal financial data comprised by Experian. So I placed a credit freeze on my credit report on XXXX. Paid {$10.00}. Enrolled in its IDnotify  program on XXXX. I received notice in XX/XX/XXXX that my XXXX was being canceled. Then I got a notice that my credit report would be unlocked because my IDnotify was expiring. What is the difference between these programs, if any? When I went to the Experian web site now, in XX/XX/XXXX, I had to sign up to pay {$9.00} per month to have my credit report locked. I don't want to be a victim of identity theft because Experian was hacked so I signed up to lock my report. I am a trademark and copyright lawyer and am very familiar with false and deceptive advertising. That is what Experian is doing. It is misleading consumers and confusing them and scaring them into paying Experian to protect their personal financial information. I am the PRODUCT Experian is selling - my financial data is the PRODUCT it sells. Experian does not clearly explain the difference between a credit freeze and a credit lock, or what is covered in its different protection programs, and what you are getting when you pay Experian {$9.00} per month. This is a rip-off of consumers. Experian is profiting from the companies that purchase the financial data of ordinary consumers ( such as myself ) AND profiting from consumers whose data they allowed to be compromised by not protecting their database from hackers. This is illegal and wrong, in my opinion. I should be able to freeze and lock ( or whatever term Experian  chooses to use ) my credit report at no charge to me - because Experian created this problem, not me.

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 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
4 months ago i started receiving calls from multiple unknown numbers, they were debt collectors asking about accounts i have never heard about. I recently received notifications stating that my information has been exposed in recent data breaches. In result of my information being exposed my identity is being used to commit fraud, and used to obtain fraudulent services.

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 2019-12-05
Company: Experian Information Solutions Inc.
State: NC
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 started receiving calls from multiple unknown numbers, they were debt collectors asking about accounts i have never heard about. I  recently received notifications stating that my information has been exposed in recent data breaches. In result of my information being exposed my identity is being used to commit fraud, and used to obtain fraudulent services. I have no idea who could have stole my identity but i am being seriously affected negatively.

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