BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account ending XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Currenly my credit reports from experian, XXXX and XXXX are are showing late payments under the XXXX XXXX Account ending XXXX. I contacted XXXX XXXXXXXX and informed them multiple times this is inappopriate use, and I have also sent them Legal information to show my rights are being violated per the Fair Credit and Reporting Act. XXXX XXXX has challenged my views and re-reported mulitple times to the credit bureaus these alleged late payments

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 2022-06-07
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to refinance my grandmothers mortgage at the end of XX/XX/XXXX because she has a reverse mortgage that is eating away at her homes equity. I applied online with Navy Federal as her POA. When the loan officer, XXXX, was assigned, I called her directly and left her a detailed message about who I was and why I was applying. She called my phone on XX/XX/XXXX @ XXXX pm asking for my grandmother to call her back. I called her back immediately & she didnt answer. Again, she didnt call me back. Even though she never responded to me, I could still see the progress of the loan that she pushed forward. Every time I got an email asking for something, I immediately uploaded it or responded to it. It just got sent to underwriting a few days ago & today I received a denial package stating that they couldnt verify her identity, credit info, and that her application is incomplete. I am completely confused because no one has called me at all asking for info or trying to verify anything. XXXX only called once & she never responded back to my requests to call/email me back. I placed a credit freeze on my grandmothers credit reports to keep others from being able to open anything in her name. It was lifted when I first applied and for a week afterwards. They were able to pull her credit at least once!!! So, when I got the denial info today, I emailed XXXX and attached the POA that Navy Federal already has on file, my grandmothers ID, and my ID. I also lifted the freeze again for them for a week. They are denying her due to age. Her credit is perfect because I handle her bills, and their mortgage staff does not seem to recognize the powers I hold from being her POA. I gave them everything they needed & they have not communicated with me outside of sending things that needed signature through the portal. No phone calls or direct emails. I asked XXXX how to appeal this denial and, again, no response. I gave her all day to reply before filing this complaint. My grandmother has XXXX and can not handle her own affairs, so they will need to speak to me. I am not accepting the reasons listed for the denial because they were able to verify her ID ( identity already verified before by Navy Federal ), her credit info ( they pulled her credit already & I even had to pay a fee for them to do so ), and incomplete application ( nothing at all was showing in the tasks because I complete them as soon as I get the email alert ). They are making up reasons to deny her when the only issue is her age. I dont even live in VA XXXX so I dont know why me handling this for my grandmother is causing an issue. I handle everything for her. They are simply discriminating & choosing not to honor the POA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-22
Company: CCS Financial Services, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also sates a consumer reporting agency can not furnish an account with without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX and in XXXXI applied for XXXX  tax exemption with my county tax assessor. It took 12 months for the exemption to process so my mortgage payment went up roughly {$700.00} a month. I continued to make my payments on time each month in XXXX to XXXX. Around XXXX of XXXX, the tax exemption went through, and my tax payment was cut by half. I turned in the proper paperwork to the mortgage company and sent request to have my escrow re-analyzed to reflect the correct tax payment. Being in Washington state, the mortgage company noted my escrow would be analyzed in XXXX each year. XX/XX/XXXX, I saw that the mortgage company processed the tax paperwork but still had not adjusted the monthly escrow amount due each month. I again requested to have my escrow analyzed and the mortgage company responded by asking me to refinance. XXXX, XXXX, XXXX, XXXX I asked to have the escrow analyzed and still nothing. I now have a XXXX XXXX in escrow that is overpayment, and they are still keeping my money and not analyzing escrow despite my request.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Fraudulent unauthorized credit inquiries with no line item link to credit report caused by 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 non-monetary relief
Consumer complaint received 2023-09-30
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I recently contacted Chime The XXXX XXXX about an unauthorized Transaction in my account. I was visiting a Government XXXX to verify my income with my bank statements and I seen an unauthorized Charge of XXXX. I reach out to chime and the chat ended up getting disconnected due to internet issues. However I requested a dispute again and I was connected to the same dispute Representative named XXXX. They had already file the dispute without my consent of the chat being disconnected and I was not able to answer any questions for this dispute I was going to make. Everything in the document is blank and wrongfully added in the dispute document I did was not able to make and the XXXX name XXXX decided to do the dispute after we got disconnected with wrongfully statements and blank answers to questions I was not able to answer because of the disconnection. Due to the XXXX name XXXX who filed the dispute without my consent and ended up putting on his own words and left every question blank except two caused me to have a denial in the claimed. I requested the documents from Chime The XXXX XXXX via chat and they said within XXXX business days I will get the document so today XXXX XX/XX/2023 I receive the documents and everything on the document provided does not show why I was denied. Also the Dispute Agen name XXXX whom I chat with on XX/XX/2023 did not include anything I try to discuss with them during the XXXX time the chat got disconnected. Chime The XXXX XXXX did not use proper documents to investigate an dispute and wrongfully denied me and they did not include anything I told the Dispute Agent Bane Summer all of my concerns. They also didnt include my statement when I try to tell them the XXXX time that the document Chime The XXXX XXXX XXXX when I told them I contacted the Merchant name Progressive XXXX and they can not give me information due to security purposes because I never owned a car to operate or have an insurance for a vehicle I never in my life owned. Chime The XXXX XXXX automatically denied me after two hours of the Dispute Agent name Summer filed without my consent to file and when I tried to contact Chime The XXXX XXXX to fix this they denied my dispute for this dispute and did not include anything I told them to include before filing it. Chime The XXXX XXXX. Refuse to investigate and refund the money that was stolen out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: MI
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:
I have reached out to experian and XXXX to update my credit profile and remove inaccurate and fraudulent addresses, names and other information from my credit profile and they have refused to do so. i asked them to delete all of the following information and they have refused. XXXX XXXX XXXX XXXX Mi XXXX, XXXX XXXX XXXX Mi. XXXX, XXXX XXXX XXXX XXXX Mi. XXXX, XXXX XXXX XXXX, XXXX, Mi. XXXX, XXXX XXXX XXXX XXXX, Mi XXXX. These addresses are inaccurate and fraudulent and they need to be removed. These names are inaccurate and need to be immediately removed, 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 2023-09-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-11-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2022 I bought ten tickets from asap tickets. It was two different reservations. The amount charged to my account doesnt appear on the bank account information. It was XXXX for one reservation and it doesnt show up on my account info and other was XXXX. I dont know why the these payments dont show up in my bank account information. The company name asap tickets charged me XXXX and XXXX and it doesnt show up in my bank account information. I want to complain against asap tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Every month I have disputed these accounts to no avail. I have not received any correspondence requesting my written consent. 

In accordance with the Fair Credit Reporting Act, the following companies : XXXX XXXX XXXX, account # XXXX, XXXX Acct # XXXX, XXXX XXXX OF XXXX XXXX accounts, and XXXX XXXX acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15. U.S.C 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent.

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 2022-06-26
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this debt was paid and is still showing as an open account and reporting a late payment back in XX/XX/2021 then current from then to now. Comments on the reports show as paid but the account on the XXXX credit reports shows as open. This is not accurate information. This account was agreed to be paid and removed from all the credit reports. This has not been done. This is a closed account but they violated the agreement by not removing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit reporting agency is reporting incorrect information on XXXX XXXX XXXX account XXXX that states to have a balance of XXXX is incorrect. I do not owe that company nor do i have a active contract with them. As i sent the court documents from the state stating that the balance is XXXX. The credit company is being paid to keep negative information on my account from XXXX. In addition the account is more than XXXX XXXX XXXX which is supposed to be deleted. 

consumer portfolio services- account states a balance is XXXX which is incorrect. the car was a lemon and was sold under false pretense in the state of pa. the car was stolen and that amount in not owed. 

wrong information for dept of education. there are no late payments and neagtive accounts older than 7 years need to be deleted. 

there are inquiries older than 2 years on account and inquiries that i did not authorize.

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 2023-09-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/XXXX, I received an email from 2023 JPMorgan Chase & Co stating that I applied for a credit card with them. I did not. The next day I received an email from them stating that k requested a new card ; I did. It do this either. 

Someone has applied for credit cards using my personal information that was NOT me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion stated that the following account was verified XXXX  ( XXXX ) was verified. The debt was charged off and sold to XXXX and XXXX XXXX services which went bankrupt/merged with XXXX XXXX XXXX which was liquified and closed, due to various FCRA lawsuits XXXX Transunion was/is unable to verify the debt as it was sold and both companies are no longer in business. As per FCRA a debt must be able to be verified to be allowed to stay on a credit report. If it can not be verified it must be removed immediately.

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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


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

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 2022-09-20
Company: SIMM Associates, Inc.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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: Was not notified of investigation status or results

Complaint:
When I received copy of my credit report and noticing all the inaccurate and outdated information being reported, on XX/XX/2022 I sent letters to XXXX, XXXX and Experian about these inaccurate information and asked them to investigate and remove all these erroneous information from my credit report affecting my credibility. But unfortunately, till this day as of more than 45 days I have not received any correspondence from them in regards to my dispute.

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 2021-09-01
Company: Experian Information Solutions Inc.
State: CA
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 requested my consumer report on XX/XX/2021 from XXXX  XXXX XXXX XXXX and Experian. Upon receiving the report, there were accounts and inquiries listed that I never gave consent to be reported. According to 15 USC 1681a ( W ) the term " Bureau '' means Bureau of Consumer Financial Protection. At no time did I ever sign a contact with XXXX  XXXX XXXX XXXX and Experian ( widely known as two of the three major credit bureaus ) that would allow them to report my private information and or to third parties. In accordance with 15 USC 1681a ( q ) ( 3 ) this is 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 2022-04-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account ending XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Currenly my credit reports from XXXX XXXX and equifax are are showing late payments under the XXXX XXXX Account ending XXXX. I contacted XXXX XXXX and informed them multiple times this is inappopriate use, and I have also sent them Legal information to show my rights are being violated per the Fair Credit and Reporting Act. XXXX XXXX has challenged my views and re-reported mulitple times to the credit bureaus these alleged late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account ending XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Currenly my credit reports from XXXX, transuinion and XXXX are are showing late payments under the XXXX XXXX Account ending XXXX. I contacted XXXX  XXXX and informed them multiple times this is inappopriate use, and I have also sent them Legal information to show my rights are being violated per the Fair Credit and Reporting Act. XXXX XXXX has challenged my views and re-reported mulitple times to the credit bureaus these alleged late payments

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