BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-08
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied with Chase to refinance my home mortgage currently with XXXX XXXX XXXX. My current mortgage originated in XXXX and was a 30 year fixed rate of 4 %. My monthly payment of {$1400.00} is paid automatically. I also had a car loan with XXXXXX/XX/XXXXwhich for {$470.00} which was paid in full on XX/XX/XXXX. So with the lower interest rates I wanted to refinance to a 15 year fixed. I worked with XXXX XXXX XXXX a home lending advisor with Chase. XXXX was informed of our finanacial situation details. In order to proceed XXXX requested that I pay {$500.00} good faith payment in order for Chase to proceed. We were told the {$500.00} would be refunded if the refinance did not got through as long as we were not the ones who decide not to proceed. On XX/XX/XXXX Chase would not proceed with the refinance due to our debt to income ratio being too high at 52 % and Chase required 42 % or less. The problem is that we have never been reimbursed the {$500.00} good faith payment. I've emailed XXXX several time and he has asked me to wait 10 - 15 business days and then again an additional 10 business days. Lately I have not received any responses to my email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: DE
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 # 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 an account without written instructions.

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 2021-01-09
Company: EQUIFAX, INC.
State: NJ
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: Billing dispute for services

Complaint:
On XX/XX/XXXX ( XXXX ), I opened a XXXX XXXX XXXX credit card. I was receiving bills in the mail paying my card in full. On XX/XX/XXXX my bill was {$2700.00}, so I send in a payment for {$3000.00} leaving a credit of {$230.00} on the account. After this date, I never received another bill from XXXX so I assumed the account was paid in full. 

From XX/XX/XXXX until XX/XX/XXXX I never received a bill or notification from XXXX to alert me that there was a balance due. They charged me late fees every month : {$28.00} XXXX XX/XX/XXXX ) and {$39.00} ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). At the end of XXXX the bank finally reached out to me by phone so I went to my local branch to see what was happening. 

I was told that they were sending notices to the e-mail they had on file, but I had not used that e-mail since XXXX. They claim that I changed to paperless billing in XXXX, but I never did that. I also never received anything in the mail confirming that I changed to paperless billing. At the end of XXXX they cancelled the credit card, and took away my rewards balance which now totaled {$290.00}. The bank claimed that their internal collections department sent me letters on XXXX, XXXX, and XXXX which I also never received. 

Not only did I lose {$290.00} in rewards, and was charged late fees, but my credit score also went from XXXX down to XXXX because of this error. I am hoping that you can assist me in getting my credit score repaired and get my money back from the bank. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Constar Financial Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or about two weeks ago, this company begin to call me repeatedly about a debt/collection via XXXX XXXX Account. I advise the gentleman that this account was already disputed many months ago with XXXX XXXX as the result of Identity theft. The accounts were removed from my reports and then I started receiving these notices. I explained to someone named XXXX or XXXX ( spelling ) that I had copies of Police reports and my ID Theft Affidavit. He became rude and kept saying I owed the debt and I needed to pay up or else. I hung up on him and never heard anything back from this company until i received this notice in the mail from Constar Financial Services and again it's regarding the same matter. 

This company is not taking measures to protect me and has been constantly calling me regarding this up till I received the notice in the mail of an attempt to collect a debt and this could possibly go on my credit. 

Please be advised that I am again attaching docs to prove what i further stated before. This was the result of identity theft I clearly am requesting this company to stop harrassing me regarding this alleged debt and furthermore I am not authorizing them to insert any actions on my creidt reports as this is clearly not my account. I have current ID Theft reports in place on my credit reports, but CONSTAR STILL REQUESTED my credit report from XXXX and XXXX, although I did not give authorization 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 2023-09-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There are debts that appear on my XXXX  credit report for companies that I have never been contacted by. I have received absolutely no phone message, emails, or letters in the mail regarding any of my medical debt. AR Resources Inc XXXX XXXX XXXX Neither of these companies have contacted me in any way regarding the debt that appears under their name on my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
. XXXX XXXX XXXX ... Account # XXXX ... ..Status legally paid in full XXXX XXXX XXXX XXXX Acct XXXX XXXX .... Legally paid in full XXXX /XXXX  XXXX ... Account XXXX ... .Legally paid in full XXXX XXXX XXXX XXXX XXXX XXXX paid in full XXXX XXXX XXXX ... . Legally paid in full XXXX / XXXX XXXX .... Legally paid in full All these accounts have been paid and in full, I am going for closing and they report them late and refuse to delete this accounts off as I have paid them and owe them nothing. the even stated paid in full on my report but refuse to update my report and delete them off my report. 

I should be closing on my house this week Friday, which if I don't I will loose {$3000.00} earnest deposit. 
Help me please. 

I have contacted the credit bureaus but they are not helping 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 2023-09-24
Company: TRUIST FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a truist bank account on XXXX. I made several deposits and withdrawals via transfers. Truist had ran a promotional that included the state of Indiana. One day, Truist shut down all my online banking and left a XXXX number on the login screen. Upon calling the number, they insisted I had to come into a branch in person to " verify my identity ''. There is only one branch in the state and it is over 180 miles away from my address. I contacted Truist and told them I would do whatever they wanted to verify my identity remotely, but they insisted it had to be done in person, and I was unable to make it. 

Truist shut down my account when I did not come in person. They sent a letter on XXXX stating the account would be shut down and the funds would be mailed to the address on file within 10 business days. Truist never mailed the funds. They blocked all access to my online banking and blocked my brokerage from withdrawing the funds back. There is about XXXXXXXX XXXX left in the checking account. 

I called truist several times. Depending on who I talked to they stated they would not release the funds unless I came in in person ( even though the account is closed out ), while others stated the funds would be mailed within two weeks. This has gone on for months. I did not know that there was only one branch in the state when I signed up and that it would be over 180 miles away.

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 2023-01-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Information and documentation requested from XXXX XXXX XXXX ( XXXX ) has been refused : 1 ) Provide XXXX accounting for this loan beginning from loan origination. Do not send payment and transaction history. Provide documentation on when the loan originated in 2002. How did it originate? Who provided the initial funds and how? 
2 ) Is XXXX a debt collector? if yes, identify yourself as such. 
3 ) Does XXXX have a contract with said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX? 
4 ) If such a written contract exists then provide the contract with original wet signature. 
5 ) On XX/XX/XXXX, there was an assignment of mortgage to XXXX XXXX XXXX Mortgage XXXX : said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX were never notified. Said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX does not have a written contract with XXXX and has never assigned power of attorney to XXXX to act on their behalf. Said mortgage holders has never assigned power of attorney to XXXX XXXX XXXX Mortgage XXXX or any of their subsidiaries, derivatives, trusts or any other entities or associated persons. 
-Why was the assignment made? 
-Who authorized the assignment? 
6 ) This mortgage contract with XXXX has been in dispute for over a year, why is XXXX still reporting derogatory information to the credit agencies? This is causing damages. 
7 ) Who authorized XXXX to send any information to the credit agencies? As a consumer, said mortgage holders never authorized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX and I am submitting this complaint via the CFPB today to inform the Credit Bureaus I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One tells me I owe {$380.00} as of XX/XX/2018. I have spoken to dozens of people asking them to explain how I owe this amount as I dispute it. No one can or will explain how I owe this amount. It is not legal for a company to make a demand for money without being able to explain their demand. They will not itemize for me the amount or show me or tell me based on anything how they have come up with that amount. I dispute entirely that I owe this amount. I am asserting they have made a bookkeeping mistake. It is my right to know what I am paying and why but Capital One says they can't explain it. That everything is computerized. And I am saying the computer made a mistake since I do not owe what they are asking. After I say that they won't help me. They can't just bill me something and get blind trust from me. I am a thinking person asking questions. Asking for an intelligent explanation of how I owe the XXXX. Telling me that it is all computerized and that they can't explain it is no answer..and I dare say if that is how businesses are run ... businesses could say anything they want and people would have to pay " because the computer says so ''. I need to know what I am paying for..how and why. Not just " it is all computerized ''. They can have someone go over my account and find exactly how the computer came up with the figure and then explain it to me. that's what I need. I don't have money that grows on trees and before I pay a bill I have to understand it based on facts and figures. Not based on " the computer says so ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have a personal checking account with a small overdraft protection credit line with XXXX XXXX. I've had this account for close to 30 years. It was set up to autopay every month on time and has never been a problem until recently. I recently learned that XXXX XXXX  had erroneously reported to the credit bureaus that there was a late payment in XX/XX/XXXX   that was more than 30 days late. First, that shouldn't be possible since it autopays each month. Second, that is absolutely false, because I checked the account statement and confirmed that the account WAS, in fact paid every month on time. During, before, and after the time in question, the following payments were made on time and in amounts equal to or exceeding the minimum payment due : {$36.00} on XXXX ; {$35.00} on XX/XX/ ; {$34.00} on XX/XX/ ; {$950.00} on XX/XX/ ( to pay the total balance in full ). 

Clearly, there was some error on XXXX XXXX XXXX end. Again, the account was set to automatically make the minimum payment on time, and that had not previously been a problem. Moreover, XXXX XXXX own records and statements show that the account actually WAS paid on time, so their reports to the credit bureaus were wrong. Please see the attached activity report of my XXXX XXXX  account that shows monthly payments have been consistently made and none were missed. 
This has caused me financial hardship. 

XXXX XXXX  should make sure that ALL of my credit reports are repaired and that the account is reported as current, good standing, and paid in time with all bureaus ( XXXX, Transunion, XXXX, etc. ). XXXX XXXX  should make sure that the account does not have any late payment or other potentially negative information. XXXX XXXX  should also credit all fees, late charges, interest, transfer charges, etc. and provide me with some sort of compensation for my wasted time and for recent credit applications being rejected ( their error caused my credit score to drop from over XXXX to XXXX ). I had applied for a credit line increase and a refinance, which were rejected.

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 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XX/XX/XXXX, my then fiance and I got a home loan from XXXX. It was a 7 year, interest only loan, with escrow for taxes, homeowners insurance. XXXX XXXX XXXX took over the loan in XX/XX/XXXX, I think. The paperwork only had my name on the loan. I brought the original court stamped documents to The mortgage department of XXXX XXXX XXXX. They refused to correct their mistake. Fast forward XX/XX/XXXX.  My fiance and I broke up. I hired an attorney because my now x who was still living in the home refused to agree to sell the home. And split the equity. We went to mediation, where, upon my moving out, I would get {$20000.00} and he would attain his own mortgage within 6 months. I had put a $ XXXX down payment on the home, but agreed to the $ XXXX just to get away from him. In XX/XX/XXXX, the loan converted to an arm. Homeowners insurance with Florida XXXX was part of escrow. Each year, from XX/XX/XXXX to  XX/XX/XXXX, the annual homeowners premium increased and XXXX XXXX XXXX never increased the escrow. I requested an annual annalysis. Instead, after they paid the shortfall for the insurance, XXXX XXXX XXXX began reporting the mortgage payments as " late ''. That continued to be reported on my credit until XX/XX/XXXX, when the home was sold by his family one year after his death. Oh yes, and 1.  They never told me he died, and 2. They stopped paying the mortgage after he died. In XX/XX/XXXX, his son paid the back mortgage. XX/XX/XXXX, the home was sold, for a profit. I received an additional $ XXXX. Here is the rub. In public records, it shows the mortgage was satisfied. In both of our names. By XXXX   XXXX XXXX. I am trying to fix this misjustice. My credit is under XXXX. 3 years of late payments on a mortgage!. My lawyer couldnt help me, except I paid two lawyers over $ XXXX to help prevent these issues. My x should have done what he aggreed to, get his own loan. He honestly could have bought the property outright. XXXX  XXXX XXXX should be responsible for this. I paid a 7 year interest only loan. Over $ XXXX. With the arm, and with the escrow agreement, they were obligated to increase my escrow so there would not be a shortfall. Please tell me what can I do.

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 2023-09-24
Company: EQUIFAX, INC.
State: IN
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: Their investigation did not fix an error on your report

Complaint:
I have disputed this account and I believe they still have not been reviewed or investigated correctly. This is a major violation to my investigation rights under the FCRA. I have attached explanation of inaccuracies and screenshots of the most recent credit report. Since you can not investigate properly and choose to ignore the inaccuracies and inconsistencies I will point them out for you. 

Unknown Debt Collector This account is showing the original creditor is XXXX, but who is the debt collector attempting to collect the debt? They have not disclosed themselves in this report as you can see their name is missing. This debt is invalid. In addition, this account is showing Account Disputed with NO LAST VERIFIED DATE. This debt was not verified with the 30 day investigation period allowed per their own records of the absent XXXX XXXX date. They even acknowledged the dispute per their remarks but still did not correct their reporting XXXX. I AM NOT disputing ownership. Please do not mark as verified by stating we verified the account is yours. PROPERLY INVESTIGATE the validity of the INFORMATION BEING REPORTED of this account as its is not reporting consistently across bureaus and are showing different information on each bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: TIDEWATER FINANCE COMPANY, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I originally purchase the car through XXXX XXXX on XXXX the loan amount was different and I had to come back in and resign for a different amount after I had already taken possession and they had sold my trade in so I was forced to keep the car. I was told that the payments wouldnt start until 6 months later then called 45 days into the loan telling me that I was late I was confused. My payments went up from XXXX to XXXX a month I my car was surrendered and they have sold the vehicle and still showing I owe the entire the balance and monthly interest being reported monthly which is affecting my credit. They are telling me this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX XXXX XXXX. XXXX # XXXX. 
I HAVE FEW IN ACCURACY IN MY CREDIT REPORT. I TRY TI FIX WITH MY ALL XXXX CREDIT BUREAUS BUT THE SAID THAT ITS CORRECT.

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