BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: CA
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 have disputes with Experian about the information on my credit from XXXX XXXX. As stated before I called and requested the service be turned off it was never done but they continued to bill me.Experian has left this on my credit report and has damaged my credit. XXXX XXXX  has been sued by the FTC along with law enforcement agencies from at least 6 states. The XXXX  has received 7,066 complaints in the last 3 years and 790 in the last 12 months for the same issue I have complained about.and yet Experian still has yet to act on my complaint. XXXX XXXX has a F rating. I have disputes with XXXX about the information on my credit from XXXX XXXX. As stated before I called and requested the service be turned off it was never done but they continued to bill meXXXX has left this on my credit report and has damaged my credit. XXXX XXXX  has been sued by the FTC along with law enforcement agencies from at least 6 states. The XXXX  has received 7,066 complaints in the last 3 years and 790 in the last 12 months for the same issue I have complained about.and yet XXXX still has yet to act on my complaint. XXXX XXXX has a F rating .I did pay the bill after being harassed while my son was in the hospital for a XXXX XXXX I was told that once I paid the bill it would be deleted from my account by XXXX XXXX representative that was never done. This should have been deleted off my credit when I disputed it. The two credit did not investigate this complaint seriously if they had they would have seen the XXXX  warning that included this statement On XX/XX/2019 and XX/XX/2019, XXXX attempted to contact XXXX XXXX XXXX regarding a high volume and pattern of serious complaints. XXXX received complaints in the alleging customer service issues, missing appointments, decline in services previously handled by other providers who XXXX has assumed, billing issues including additional service charges for periods once the consumer has cancelled services.which was my main complaint that I called and asked for the service to stopped and it was never done and they continued to bill me. No one was in the home at the time we were in another state for my sons 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 2016-10-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am filling this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

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 2017-02-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My XXXX died in XX/XX/XXXX Ireported his death as legal executor of his estate. XXXX Ohio probate case # XXXX. I contacted XXXX to inform themofhis demise and the fact he died insolvant. This as an unsecured debt. They stated they had recorded the information. His estate was closed on XX/XX/XXXX. I personally paid for his funeral and other expenses related to his demise. 

In todays mail i received a XXXX indicating they had charged off my XXXX 's cedit card when the account should have been closed in XX/XX/XXXX. Further, they mailed the information to my home and i had moved in XX/XX/XXXX. My XXXX never lived at my new home or knew of its existence. He lived XXXX miles away from here. Chase is using my address as his. This is a act of fraud. The estate is closed. XXXX # XXXX on XXXX. 
This form was reported to the IRS and we all know what they are like. Chase shouldbe angry with themselves instead of harassing me. I want a update sent to the IRS concerning the status of this debt. My XXXX has been dead for almost 3 years. They did not do this chargeoff in a timely fashion and only did this to be purely punitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
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:
The following shows several accounts that's been opened under my name and social security number as a result a fraud! TransUnion have been reporting these negative remarks on my credit profile and its affecting my life. 

Creditor : XXXX XXXX XXXX XXXX Condition : Derogatory Balance : {$540.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Remarks : Placed for collection Creditor : XXXX XXXX Condition : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Original Balance : {$1200.00} Current Balance : {$0.00} Creditor : XXXX Condition : Derogatory Original Balance : {$0.00} Current Balance : {$1300.00} Condition : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Also, follows are a list of unauthorized hard inquires : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2016-01-23
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was attracted to a credit card promotion by Southwest Air for their Rapids Reward card ( issued by Chase ). The promotion was for XXXX points credited to my SWAir RR account if I spent more than {$1000.00}. in 3 months. I spent considerably more than {$1000.00}. within 2 months. I received XXXX RR points, but not the XXXX points. I called XXXX and Chase today, and Chase said my memory of the promotion was incorrect ; it was XXXX points ( for spending {$500.00} ), not XXXX ( for {$1000.00} ). I beg to differ, as I distinctly remember the details. I applied for the card by clicking on the promotional link from XXXX. At the end of the conversation today, I paid the small balance immediately and canceled the card. I know XXXX and Chase keep adjusting the promotion, and it varies from time to time. However, I 'm positive of the offer they made, as I kept checking my accounts and the offers over time. I will be complaining in detail to XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: PRESTIGE FINANCIAL SERVICES INC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been disputing an account with Prestige Financial, XXXX and XXXX for over 4 years now. I was a victim of Identity theft where I've provided a police and identity theft report several times. Everytime the account come back vertified and accurate, which is expect with me being a victim of identity theft. I have ask all companies to take extra steps to resolve this issue for me and i am doing the same to the point i want to hire an attorney and sue. I've called and spoke with Prestige rep by the name of XXXX XXXX where a document was provided with a signature that wasn't mines. I was also informed of the fraudulent activity on the actual account. So the account was open in my name and they used other people account numbers to pay the payment each month. As i explained to the rep if that wasn't enough red flags of fraud what more would be needed. I am making this complaint today with hope of you guys being able to help me get this issue resolved and delete and blocked from my credit report. I have exhausted all options and help this complaint is my last path before having to pay a lawyer to become involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I spoke to XXXX regarding debts that Central States Recovery have in their office that I am wanting to settle and resolve. In XXXX I had a successful Chapter XXXX that discharged a lot of my debts which included debts they had in their office. In XXXX of XXXX, I filed a Chapter XXXX bankruptcy that covered new debts that I had in their office. On XX/XX/XXXX, my Chapter XXXX bankruptcy was dismissed, so I contacted Central States Recovery regarding the debts I knew were included to attempt to settle them and get them closed out. I gave her approximate amounts but she said that she couldn't find the exact amounts. So I asked her to just tell me the ones the showed reactivated and asked for date of service. When she began listing the ones that were covered by my Chapter XXXX I advised they were not to be collected on because that case was successfully discharged. She was very rude, over talked me, laughed and said she had been collecting debts for 20 years and had never heard this and didn't know what to do. I then asked her to please not listen to respond but to just listen to what I am saying and that I had a successful chapter XXXX discharge in XX/XX/XXXX, so debts before that date were uncollectable and that I just wanted to take care of the current ones. She then again rudely interrupted me and said that she had a notice that my bankruptcy was just dismissed. I again exclaimed that she was not listening to me. She then said she was not dealing with my accounts and that legal will just handle them. I want to settle my accounts that are valid but they are also attempting to collect on ones that should not be collected on in a violation of Federal bankruptcy laws. Now she is saying I can just deal with legal because she chose to not listen or understand the situation when I was clearly trying to resolve my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Telephone conference was scheduled for XXXX XXXX, 2016 at XXXX EST., with the Line of Credit Deparment and the assigned Resolution Specialist ( XXXX XXXX ). The Bank of America 's XXXX Branch in Virginia, one of their Personal Banker assisted me on XXXX XXXX with the following : 1. Checking account 2. Loan Modification 3. Payments 4. Discrepancies due dates is it the XXXX of the month or the XXXX of the month and 5. Negative information being reported to the XXXX major credit bureaus. The Personal Banker was very helpful but it was upto the LOC to resolve my issues. I contacted XXXX XXXX and left a voice message asking her to contact me regarding our XXXX scheduled telephone meeting. Also, I contacted the LOC department and was placed on hold for approximately XXXX minutes or longer and was discounted. I visited the XXXX XXXX Branch on XXXX XXXX, 2016 and asked the associate to help with my checking account and the LOC and was told to contact the LOC department. This is not good customer service.

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 2021-12-28
Company: EQUIFAX, INC.
State: GA
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:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went on experians web site to get my free credit report and fill out what they needed and answered questions that seemed to be inaccurate and then was denied and asked to mail in my request. i had the same issue with equifax and currently have a dispute going with them seems the information they have is wrong or they wish to discourage people from being able to get there report for free

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
The whole Chase system was down on XX/XX/2016. I could not get my money at any Chase ATM. I was forced to use another bank 's ATM to get my money. Now chase said they will not refund the charges from the other banks I was forced to use because those XXXX could n't keep their systems up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-28
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After losing all income and COVID making it difficult to find work for 6 months! Vanderbilt mortgage did not offer any assistance. Struggling to make payments we managed to keep the payments paid and only fell behind 2 months of payments and a small portion of another. When calling to pay over {$800.00} once our jobs started and agreed that the account would be up to date by XXXX I received extremely rude service from not XXXX but XXXX people including a supervisor. Ive explained multiple times our situation and that we were doing everything possible to bring the account up to date. They harassed and humiliated me over {$30.00}. I have kept contact with them once a week and kept them updated of our situation our account is only behind XXXX payment now. There is no reason they should bring a client to tears over {$30.00} after seeing the notes of our situation and me being more than willing to work with them and be polite and understanding. The disrespect from this company outrages 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 2016-04-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I went into XXXX in XXXX IL on XXXX/XXXX/XXXX to test drive a XXXX Mazda 3. I told the sales consultant XXXX XXXX that I only wanted to do a test drive and I was not interested in buying a car that day. I also advised the dealership that I am a victim of identity theft and I did n't want multiple inquiries on my credit. I found out later there were XXXX inquiries on there. I found out about 3 months later because I verbally complained to Chase that Mazda Capital Services was part of Chase Bank which no one from the dealership told me. I called Chase because I was upset about the inquiry, XXXX from Chase advised me the dealership should have disclosed that information. She tried to get the inquiry removed but the sales manager XXXX claims they did not do anything wrong. She also advised me the way the system is set up, the first inquiry is from the dealership and the second one is from Chase and advised me the dealership was suppose to tell me that. I found out this information on XXXX/XXXX/XXXX after I purchased my vehicle from them on XXXX/XXXX/XXXX. The general manager XXXX XXXX claims I gave permission to have my credit ran. I am upset the dealership did not disclose all of the information. I spoke with the finance manager, XXXX and he never advised anything about Chase approving the loan. I was advised by an attorney to file a complaint here because this is considered to be fraud.I have documented several conservations with XXXX that advised the dealership was suppose to disclose that information to the consumer since the loan was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2016-09-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
My fiancee and I are in the process of purchasing a new home, in which we wish to use my VA entitlement. I called lenders and made sure that they knew we were NOT married and they could do the loan. I spoke to several loan officers with Chase Bank and all if which said " yes we can do that. '' I made sure they were aware that we were not married if if they could still do it. They of course said " yes we can. '' I then began to ask if it would still be a XXXX down payment and no PMI and they said " yes. '' We then decided to move forward with the loan at Chase. We are now in processing and now the processor is now saying that we need to come up with {$47000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been in contact with XXXX 's Bank DE since XXXX XXXX about the error in reporting on my credit report. The error is hindering the purchase of a new house for my wife and I. I have given permission for XXXX XXXX Bank to withdrawal monthly payments from my personal checking account since XXXX XXXX. Since this has been set up and they have been withdrawaling the payments they have been reporting me 30 days or more late, from XXXX XXXX to the current date. I have spoke with them about the withdrawals and they stated that my account is current and has not been late. The reporting is an error. Please see attached document. When I spoke with them again today they stated the same, account is current and never been late, but XXXX 's can not remove the error in reporting on my credit report as it has been posted. They stated there is nothing they can do, except for make it right from today forward. This really needs to be corrected as it is effecting my credit score and our home purchase. We are suppose to close at that end of 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 2021-12-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
as of XX/XX/XXXX I was giving a new payment XXXX which I paid for a whole year no lates XXXX 4.5 % XXXX XXXX XX/XX/XXXX I applied for a forbearance plan due to the covid-19 0utbreak which they canceled and gave me modification of a XXXX which changed XXXX 3.25 % which is no savings at all, how does the payment go up from XXXX XXXX, after I proved to PennyMac i'm exempt of realestate tax and when I purchased this without my real estate exemption my payment was XXXX .And another thing on XXXX XXXX I decided to get me so new homeowners and auto insurance with statefarm and pay the premiums directly they wont change the payment on the loan which in fact im paying my own home policy presently I been trying to get my money back or get a new loan from someone else I believe the have been sabotaging my credit and has cause all my money problems I need to get aways from this company .Please help they are the worst mortgage company I ever delt with they constantly change your payment and charge us a late fees making it so bad you have to refinance for any relief... ..then hold up your process time so you cant refinance out from them ....

Company response to consumer: Closed with explanation