BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: Statebridge Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a complaint regarding my 2nd mortgage. I have requested to have my mortgage refinance with my current lender. When I had requested the refinance previously I was told they would only subordinate for a refinance to my primary lender and not to another lender. So I am now trying to refinance with my primary lender. However, my primary lender has made the request and been declined. When I called to discuss it with the lender they tell me no request has been made. However, my lender has provided evidence that they have made the request and been speaking with them for some time. This has cost me a lot of additional money as I havent been able to refinance. This process began 4 months ago without my current lender, but the original request was made over a year ago. They have acted in bad faith and poor record keeping by changing reasoning for declining the subordination and not being aware of the subordination requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
To Whom It May Concern, My name is XXXX XXXX. I currently have a XXXX Chase credit card ( " the credit card '' ). During this time frame I have used the credit card for many large purchases including travel. I 've always enjoyed the customer service and the card itself. 

However, in the last few months, with a XXXX baby born in XX/XX/XXXX, my wife and I decided to start attempting to pay down all of our outstanding debts. We saved for 5 months in order to accumulate the appropriate amount of money to pay off the credit card as a lump payment. I received my XX/XX/XXXX statement on the XXXX and a payment due date of XX/XX/XXXX. On XX/XX/XXXX, I issued a payment of over {$4000.00} to pay and eradicate this fairly large credit card bill. At the time of payment I went through the online payment system as I did every month. Once the payment was processed my wife and I sighed a sigh of relief to have paid off that large of a debt in one lump sum, as it is not easy to do now-a-days and with the new baby. 

Then, my wife randomly checked the XXXX account to see our points total, and she noted a balance of {$49.00} for interest charges. I called and spoke with a customer service representative and a supervisor however, neither of them had an answer to my question and concern. 

I 'm extremely dissatisfied with that fact that when I paid a large payment of over {$4000.00} there was no message or information that would indicate to me that additional charges would possible to be incurred to me within the next month due to unaccrued interest. I feel that the absence of such information on their website when making such a large payment is extremely misleading. As the system should be able to flag that the account is being paid off and a message would be made available that would indicate the aforementioned information. The website is extremely misleading and I truly feel it is unfair that I 'm now forced to pay an additional {$49.00} when I thought I paid off my entire balance. 

I truly feel that by not giving a customer a complete or total balance to be paid off is misleading and unfair. Even their supervisor mentioned that had I even called to make my payment they would not be made aware of the total interest charges I would be charged. So had my wife and I not checked the account for our points balance, and maybe not looked at the next statement because we figured we paid off the account, I would then be on hook for not only the {$49.00} but the late charge fees plus additional interest charges again. 

I would greatly appreciate any information someone could provide as to how this is going to be settled and or what the resolution would be for not only my self but every one of their customers. Please feel free to call me at anytime during normal working hours EST, XXXX, or email me at XXXXXXXXXXXX. 

I thank you in advance for all of your assistant and information. 

Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2015 and {$1300.00} The action that has been taken is to take this account off my credit report including XXXX, XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: LEXISNEXIS
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The following rights have been violated - 15 usc 1681 ( a ) ( 4 ) " Infringed Upon a consumers right to privacy '' -15 usc 1681 ( a ) ( 2 ) " No Permissible purpose/ No written Instruction - 15 usc 1681a- ( e ) After contacting the credit Bureaus, a bankruptcy was " verified '' Lexis Nexis is retrieving Public records thru pacer which is a electronic public access service that allows users to obtain case and docket information from federal appellate.

Lexis Nexis has infringed upon my right to privacy, they have no permissible purpose or written instruction to report this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Financial Data Systems
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 collections amount of {$170.00} from XXXX XXXX that does not belong to me. The account number as shown is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
A dispute was filed on my Chase Visa card in XXXX XX/XX/XXXX and I was notified in writing from the Chase Bank, XXXX XXXX, Ohio branch on XXXX XXXX XX/XX/XXXX that the dispute was complete, NO credits could be reversed, and I could return the item purchased to the company that the dispute was filed against, XXXX XXXX XXXX XXXX. The merchandise was returned to XXXX XXXX, XXXX on XXXX XXXX, XX/XX/XXXX via XXXX and a signature was required to receive the product - thus guaranteeing that the company received the returned merchandise. Thus, I no longer have the original product that the dispute was filed against. Then on XXXX XXXX XX/XX/XXXX, I received a letter that stated Chase Card Services needed additional information regarding the dispute and then on XXXX XXXX XX/XX/XXXX I received a call from Chase Card Services that they were reapplying the charges to my Visa card. These notifications were a direct breech of the original statement and finalization of the dispute made by Chase on XXXX XXXX, XX/XX/XXXX. Currently, my Chase Freedom card has been re-billed with the outstanding balance of {$1300.00} from the dispute that was allegedly completed on XXXX XXXX, XX/XX/XXXX, even though I currently no longer have the product in my possession as it has been received and signed for by XXXX XXXX XXXX XXXX. I have contacted Chase Card Services regarding this matter as well as my local Chase bank and staff, and all parties have mixed stories, have not helped me resolve this issue, and have recommended that I take action to further the alleged completed dispute as a " re-dispute '' even though I was notified on XXXX XXXXXX/XX/XXXX by Chase that the dispute was made FINAL and gave me instructions to return the disputed product.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2021 I was notified by XXXX that a checking account and a savings account were fraudulently opened with Huntington Bank using my personal information. 
On XX/XX/XXXX I called Huntington Bank with XXXX and advised them that I am a victim of identity theft and I did not open these accounts nor did I give anyone else permission to do so. I requested that the accounts be closed and was told they would need to conduct an investigation first. 
I submitted a formal dispute of the accounts through XXXX on XX/XX/2021 which included a copy of the police and FTC reports I filed, proof of identity, proof of social security number, and proof of residence. 
I and XXXX have attempted to follow up with Huntington Bank on this matter on multiple occasions over the last two months, and they refuse to provide any updates about the investigation. On my last follow up attempt on XX/XX/2021, I was told that no information could be provided unless I gave my social security number over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Numerous calls and letters have been sent and the response is a general letter informing of their practices .... recently inquiry items and an account WITH INCORRECT information were deleted from my report and reinserted without ANY NOTIFICATION .... this is in violation of my fair credit reporting rights ... I have sent letters to have them deleted and nothing has been done ... the account XXXX is reporting INACCURATE INFORMATION which in turn should be deleted for this reason as well as THESE INQUIRIES THAT WERE DELETED AND REINSERTED ... XXXX, XXXX, and both XXXX and these weee all deleted and reinserted with NO PRIOR COMMUNICATION TO DO SO

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
EXPERIAN & XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to Experian, also this item was removed from my credit report then put back on my credit report under a new account number XXXX, I have all my record letter, therefore by providing such information they are in VIOLATION of my HIPPA rights also the FCRA..

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 2017-03-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent certified mail to Equifax regarding my issue with XXXX and XXXX debt which was erroneous. I asked to see the original contract with my signature in compliance with the 609 Fair Credit Reporting Act. Which states that the debt must be verified and validated or be removed from my credit report. In the case of XXXX the court ruled that you can not take information off a computer source as verifying the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
EXPERIAN HAS BEEN AWARE OF MY DISPUTE FOR 60 DAYS NOW. THEY HAVE REMOVED A XXXX XXXX INQUIRY FROM MY CREDIT REPORT AND REINSERTED THE INQUIRY ON A LATER REPORT. THEY DID NOT NOTIFY ME OF THIS INFORMATION THAT THEY WERE GOING TO DELETE THIS AND RE INSERT THE INFORMATION AT A LATER TIME. THEY HAVE ALSO RECIEVED DOCUMENTS FROM A COLLECTION COMPANY RELEASING ME FROM THE ACCOUNT THIS COLLECTION AGENCY IS XXXX XXXX COLLECTIONS. I HAVE CONTACTED THE CREDITOR DIRECTLY AND GOT A LETTER IN RESPONSE STATING THEY ARE CLOSING THE ACCOUNT BUT EXPERIAN FAILS TO REMOVE IT FROM MY CREDIT REPORT. THIS COMPANY ALSO FAILS TO REMOVE NAMES THAT I AM NOT KNOWN BY XXXX XXXX NEEDS TO BE REMOVED, THE ONLY NAME ON MY REPORT SHOULD BE XXXX XXXX XXXX. I HAVE SENT SEVERAL LETTERS ON THIS ISSUE AS WELL..

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 2016-09-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The following credit inquiries appeared on my Experian credit report that are the result of fraud/identity theft. I 'm seeking assistance in the immediate removal of these inquiries from my Experian credit report : XXXX made on XXXX/XXXX/16 ; XXXX XXXX XXXX XXXX XXXX XXXX, SD made on XXXX/XXXX/16 ; XXXX XXXX XXXX XXXX XXXX XXXX, SD made on XXXX/XXXX/16. In addition, I have a fraud alert filed on XXXX/XXXX/16 with XXXX alone with a police report completed on XXXX/XXXX/16. I 've even completed a formal investigation request with the FTC as my identity has been stolen and my personal information has been sold to potentially multiple people. Your assistance in getting these inquiries removed from my Experian Credit Report is appreciated.

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 2016-03-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/16 I reserved a hotel room for my adult nephew using my Chase Visa credit card. On XXXX/XXXX/16, my nephew arrived at the hotel and gave his credit card to pay the room and for the costs of any expenses incurred during his stay. I never authorized the Hotel ( XXXX XXXX XXXX XXXX ) to charge anything to my credit card as I was not the guest. I never signed filled out an authorization nor did I sign any credit card slip. I received my credit card statement last week from Chase and saw XXXX ( XXXX ) charges ( {$1300.00} and {$6.00} ). I called Chase to dispute the charges and Chase refused to accept my call as a dispute. While I was on the telephone with the Chase representative today, he put me on hold and purportedly called the hotel. Chase said the hotel was n't willing to reverse the charge and that I was responsible for the charge. I asked that the disputed charge be marked as disputed and held without interest accruing until I had an opportunity to speak with an attorney. The Chase representative stated that they would not mark the charges as " disputed '' and if I did not pay them, in fact interest would accrue. I normally pay my bill in full at the end of each month. I am outraged that I am not being afforded the time needed to dispute the charge without interest accruing. I never imagined using my credit card to reserve a room would also bind me to unlimited charges incurred by someone without my prior approval or authorization. I also never imagined that Chase would not afford me an opportunity to dispute the charges without interest accruing during the dispute period. I further was infuriated that Chase would n't even accept my telephone call complaint as a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
This company is reporting an account that I have no knowledge of ; Not only that- Its passed SOL in the state of TX . This company is damaging my credit and I 've never received any kind of notice prior to this acct reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/ExperianXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : EXPERIAN : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-15
Company: EQUIFAX, INC.
State: OH
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:
XXXX EQUIFAX XXXX ALL FAILED TO REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT AS REQUESTED. 

XXXX XXXX # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Remitly, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX. I was trying to send my mother money using your Remitly App her name is XXXX XXXX XXXX XXXX to XXXX but the transaction has been on hold since Friday XXXX of XX/XX/2020. I want you cancel the transfer and send the money back to my account the reference no for the transfer is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Disputed an inquiry made by " XXXX XXXX '' on XXXX XXXX, 2014 to Equifax. I have n't done business with XXXX in nearly a decade and positively did n't authorize them to make an inquiry. 

Equifax responded that inquiries " are a factual record of file access '' and as such wo n't be removed by Equifax , regardless of whether or not authorization was given for the inquiry to be performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX payments due on XXXX XXXX and XXXX XXXX, 2015 were reported as 30 days late. Although late, they were clearly paid prior to 30 days past due though my electronic banking, refer to the attached bank statements. They both exceeded the minimum amounts due and there was no outstanding balance. I am not reasonably responsible for electronic lags, days off, business hours, or other overly broad/technical system variations beyond consumer control, if any.

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 2021-09-28
Company: FREEDOM FINANCIAL NETWORK
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Receiving scam emails from someone claiming to be Freedom Debt Relief. I called the real company and told them about the emails I had received and they even said it was a scam. This email claims I owe money and if I do not pay they are taking me to court or I could be arrested by law enforcement or they will take my wages.The phone number on the email to call is XXXX. I replied back to the email asking for proof of debt and of course they couldn't provide anything. Email is coming from XXXX -- -- -- SCAM SCAM SCAM SCAM SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: AmerAssist A/R Solutions, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX placed my account in collections. I paid the collection and now the collection is still showing on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My car was stolen and some one stole my information to obtain credit. I received bills that did not belong to me.I pulled my credit report and there are accounts that are not mines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am a XXXX yr old XXXX in High School.. While in our XXXX class we had to investigate fraud.. my credit report shows things that happened when I was in elentary school. These are not mine. I would like to know how to get them removed.

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 2021-09-28
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX and Equifax are reporting inaccurate info for the same account on my credit report. 

XXXX- Balance is XXXX Equifax- Balance is XXXX XXXX- Payment Status is collection/charge off Equifax- Payment is 120 days late XXXX- Monthly Payment is XXXX Equifax- Monthly Payments is XXXX XXXX- Last Date Active- XXXX Equifax- Last Day Active XXXX XXXX- Date Of Last Payment XXXX Equifax- Date of Last payment XXXX. 

Here is the list of inaccuracies that have been posted on my credit report for the same account i have sent XXXX and Equifax both 2 letters certified about these inaccuracies on my credit report an they both have fail to delete the account

Company response to consumer: Closed with explanation