BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I can no longer access my online account to check balances and pay the credit card. Today I was asked to check two boxes. 

One box is an Online Electronic Disclosure and Consent The other box I had to agree to is a Digital Services Agreement. 

Chase Credit Card wants me to agree to electronic notifications in lieu of receiving statement et al by U. S. Mail. I believe that is bullying by Chase. One agreement is 10 pages long and the other agreement is 124 pages long. If I don't agree to consents and agreements, I am unable to access my online account. The customer should always have a choice as to how they want to receive statements and the customer should always be able to access their credit card information and to be able to pay off their credit card online. 

Here is a copy of what I am forced to agree to in order to access my accounts online. Right now I can not access my account until I agree to this consent and agreement. Chase doesn't give me any other options. 

Disclosures and Agreements 70percent complete. 
Accept Disclosures and Agreements Please choose " Next '' after you accept the terms for the agreements. If you don't accept them, you won't be able to see or manage your accounts online. 

Online Electronic Disclosure and Consent In order to manage your accounts online, you will need to review and agree to the Opens PDF : Online Electronic Disclosure and Consent ( version in XXXX of the Opens PDF : Online Electronic Disclosure and Consent ). Please print a copy for your records. It explains the terms and conditions we follow when we send certain electronic communications. 
By choosing " I agree, '' you acknowledge that you have read and agree to the terms of the Online Electronic Disclosure and Consent, that you can access the sample PDF, that you consent to receive electronic notices, disclosures, statements, agreements and other documents and communications ( " Electronic Communications '' ) for your accounts, and that you agree to use electronic signatures in connection with Electronic Communications, as described in the disclosure. 
I agree to the Online Electronic Disclosure and Consent Digital Services Agreement Please read the Opens PDF : Digital Services Agreement ( version in XXXX of the Opens PDF : Digital Services Agreement ) and print a copy for your records. It explains the terms and conditions for customers who use digital services such as account alerts, bill payment and account transfers. 
By choosing " I agree, '' you acknowledge that you have read and agree to the terms and conditions of Digital Services Agreement. 
I agree to the Digital Services Agreement You won't be able to come back to this page to make changes, so make sure everything looks OK before choosing " Next. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: T.S. Holdings
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in 2018 I lived in the apartment called XXXX XXXX XXXX XXXX  under housing authority of XXXX on section XXXX voucher. This apartment failed to comply with HUD housing papers to get paid. Took to court of law that determined I'm not liable for the debts the apartment had to pay me back all deposits and was settled in court of law with attorney. I've submitted copies to each bureau and to to said collections IQ Data certified mail. Called to be told to XXXX off by IQ Data and have yet to get it fully removed from my credit on XXXX. Debt goes up and down to just mess with my credit score. Housing and XXXX have told me to do this step next. This was settled in court of law that I am not liable for this debt. And settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: Upgrade, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My balance is reported as over $ XXXX and I only owe a little over {$730.00}. They haven't updated my credit report since XX/XX/2023 and it needs to reflect the current balance and payment amount of {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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 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 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.

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 2021-09-27
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/XXXX I wrote Experian, XXXX & XXXX a Method Of Verification request letter, sent certified mail ( copy of letter attached ), regarding ; Account # : XXXX Open Date : XX/XX/XXXX Creditor : US BKPT CT OH XXXX My Method Of Verification request was received by you on XX/XX/XXXX XXXX ( proof of service attached ). They had 30 days to respond to the request per FCRA. As of today XX/XX/XXXX I have yet to receive a response to my requests or notices. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist. I mailed certified mail a " Non Response/Intent To Sue '' letter to Experian, XXXX & XXXX , which was received on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX respectively ( proof of service attached ). Experian, XXXX & XXXX are in violation of my rights under FCRA in their duty to respond appropriately to a request for Methods Of Verification. Additionally, by not responding at all, they have tacitly agreed that proof of the account in question does not exist and therefore can not be verified. Per the FCRA, if a disputed account is not verified, it must be 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 2023-08-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting 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:
Over the pass almost 2 years, I have contacted Equifax about fraudulent credit checks on my credit report. Each time I summitted a dispute on line they come back the net day and say the inquiries will stay on my credit for 2 years. I did not apply for any mortgage but Equifax is in so many words saying I did apply for a loan from these Mortgage companies. 
I have a freeze and a block on my credit reports all 3 of them and they have been there for about 8 years but still Equifax allowed these companies to check my credit. I have sent mail over the pass 2 years and they sent back by e-mail saying they will stay on my report for 2 years. I have also sent several letters to Equifax about this but I never got any response back from them, it's like they threw the letters away. I also sent form 605B and no response from them. I don't understand why they are doing this. They don't care about anyone 's credit being exposed. They are allowing companies to check my credit without my permission. I also ask them by mail if I could put a statement on my credit report but to no avail. They said I had to write to them so I did but they did not response back to me about this. They are just allowing anyone or company to check my credit. What good a is a freeze and a block on my credit when they are allowing companies to check my credit. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was in Forbearance due to Covid19 and lack of employment. I was ready to have my mortgage taken out of forbearance and requested such from the XXXX XXXX XXXX the current loan processor of my loan with PHH Mortgage Services. I filled out an application for the mortgage modification and was provided with a Promissory Note and Partial Claim Mortgage. I completed the documentation and returned it. Unfortunately the Notary filled out my name incorrectly and I had to re-submit the documents. During this time my mortgage service was transferred to a new mortgage servicing company and of course they don't have any of the information about my forbearance or mortgage modification taking place with the other loan servicing company. So now they are telling me that I will have to re-apply for a mortgage modification and that they will be reporting all missed or late payments to my credit bureau now that my loan is no longer in forbearance because I do not have a loan modification with them, yet the other mortgage company gave me until XX/XX/XXXX to completer their documentation, which has already been completed as stated above. If that happens it will ruin my credit and show that I have 9 months of late payments. This is and FHA mortgage and I really feel like Im getting treated badly because of this mortgage servicing transfer and nobody from the previous mortgage servicer and the new mortgage servicing company can communicate with each other. I really need help with this. I have done everything I was asked to do and now they are making it very difficult for me to get out of forbearance without ruining my credit because of their poor processing system. I can not make another phone call just to be told their is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a loan modification, completed the trial period. Signed all the paper work and sent it back in XXXX. Speaking to all different people some say they have it, others say no. Forclosure is still on my credit report. I have a third party helping me, he spoke with XXXX XXXX at XXXX XXXX XXXX. Extension XXXX. She said she had the paper work on Friday. Monday she was no where to be found and no one can find any paperwork. I would like to sell my home and can't because of my credit report. This company is very unethical. This started with an illegal foreclosure on their part. Please help 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 2022-10-27
Company: ENOVA INTERNATIONAL, INC.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XXXX separate occasions I have been given misinformation about the payment plan I have set up I received the loan in XXXX of XXXX. I signed a contract with the company for automatic payment to be deducted from my payment account. This is the same account the money was disbursed into. I provided bank statements to set up this payment plan. 

In XXXX of XXXX I checked my account to see that my payments had not beed debited and that I had accrued late fee penalties and had a balance over XXXX dollars. 

I spoke with a customer service rep over the phone who confirmed I had a payment plan.I asked her why it was not being debited she said " I do not know. '' I asked her if attempts were made and she said she could not do that. I cross referenced the date with my bank statements and saw no charges from NC Financial were attempted on the withdraw dates. I confirmed the bank account number verbally and she verbally read it back to me. I was told that the issue was resolved and if the issue occurred again I would be contacted. I paid the past due balance and late fees. 

In XXXX of XXXX I checked my account and saw that again my account wasn't being charged again. I called and spoke with another rep who told me she doent know why either. She confirmed I have a payment plan. I then read her the number. she said that the number was incorrect and off by one digit. I was then disconnected while attempting to set up a new payment plan. 

I spoke with another rep who helped me set up a payment plan. I asked why I didn't receive a phone call. She said that I wouldn't have unless the payment plan is invalid. I told her that it must have been invalid for months if the numbers were wrong. she said " oh yea ''. I then asked to speak with a supervisor about the late fees. This was on XX/XX/XXXX. She said I would receive a call in XXXX hours. I have reached out 4 times since over the phone and via email and they refuse to speak with me. 

I have been given contradictory statements and misinformation. My account number was confirmed as correct, then confirmed as wrong. It should be impossible for my bank account number to be inputed incorrectly given the fact that in order to disperse the initial loan I had to provide bank statements. The loan was dispersed to my account so they must of had the number correct. 

I was told I would receive calls about late payments, told this wasn't a company practice only emails, then told that they call if a payment plan isn't correct. This is predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
REF : XXXX XXXX ATTN : LOSS MITIGATION DEPT LOANCARE XXXX XXXX, VA XXXX LOAN # XXXX PHONE # XXXX HELLO CFPB, SORRY TO BOTHER, BUT I HAVE BEEN/DONE THRU 2 OTHER MODIFICATIONS IN MY PAST 2 HOMES DUE TO STATE WEATHER DISASTERS. I CAN SAY THEY WERE THE EASIEST PROCESS I HAVE BEEN THRU. 

FOR SOME REASON, THIS MODIFICATION DUE TO MY BATTLE WITH COVID AND JOB RELATED, HAS BEEN A PAIN 100 %. 

FIRST I HAVE ATTACHED A FED PACKAGE THAT I JUST GOT ON XX/XX/2021 BUT PAPERWORK DATED XX/XX/2021. I HAVE MADE THE MORTGAGE COMPANY KNOW MULT. TIMES THAT I HAVE BEEN RECEIVING MAIL FROM THEM 20-30 DAYS FROM THE LETTER DATE. SO LACK OF MAIL COMMUNICATION IS POOR. 

SECOND, I HAVE TRIED TOO MANY TIMES CALLING THE ASSIGNED AGENT WITH SOME EXT NUMBER. THAT IS FALSE AND DOES NOT WORK AT ALL. TRYING TO CALL SOMEONE AT, IT TAKES OVER 1 HOUR EACH TIME. I HAVE TRIED FIRST AM AND LATE PM. NO LUCK. IT WILL TAKE OVER 1 HR ON THE LINE.

THIRD, AND LAST. I HAVE LIKE I SAID, I HAVE BEEN THRU 2 OTHER MODIFICATION AND UNDERSTAND THEM 100 %. I TRIED TO CONTACT AND SPEAK TO A AGENT BY THE NAME OF XXXX, BUT SHE WAS CLUELESS ON THE PAPERWORK I GOT. SHE SAID THAT SOMEONE FROM THE MODIFICATION DEPT WILL BE CALLING ME. 

WHY I AM CALLING FOR HELP! 

WHERE ARE THEY GETTING CURRENT PAYMENTS ARE {$1700.00} FROM? IF MY CURRENT PAYMENTS ARE {$1600.00} SINCE DAY 1? 

WHAT IS {$83.00} CHARGE ON EACH STATEMENT COMING FROM? 
( BECAUSE DURING FORBEARANCE, MORTG DO NOT CHARGE LATE FEES ) WHERE IS {$2300.00} COMING FROM FROM? 

ALSO MY CURRENT MORTGAGE DOES NOT HAVE ESCROW, WHY ARE THEY TAGGING ON INSURANCE AND ESCROW? 
( MINE ARE PAID UPFRONT AND CURRENT ) HOW DID THEY GET {$2300.00} PAYMENTS ON 480 MONTHS WITH 2.75 %? 
( THAT IS INCORRECT ) ( ( IT SHOULD BE ABOUT {$1200.00} PAYMENTS ) ) I NEED SOMEONE OR EXPERT FROM THE MORTGAGE DEPT TO CALL ME! 

THANK YOU, RC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: FISERV INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, I reported to the bank some transactions that I did not authorize. I called them around noon because I did not receive any alert of those transactions that were made in the early morning of the same day. The first thing they did was cancel my debit card and they opened a case to investigate. They told me I had 10 days from XX/XX/XXXX to fax or email them a dispute form, which I faxed to them on XX/XX/2022. On XX/XX/XXXX they gave me a provisional credit for the reported transactions but the same day they sent me another letter where, based on the investigation, they only returned the credit of 3 transactions ( {$54.00}, {$81.00}, {$54.00} ), which previously refunded on XX/XX/XXXX ( {$54.00}, {$27.00}, {$81.00} ), and based on the results of the investigation they considered the claim was resolved and my case has been closed.On XX/XX/XXXX they sent me another letter saying that the credits they gave while the investigation was going to be removed from my checking account again on XX/XX/XXXX of this year. I received the letter on XX/XX/XXXX. I called them again on XX/XX/XXXX ask them why they closed my case if they did not credited all my money. Then they told me to appeal that decision I would send them a letter written by me explaining the situation, which I sent them on XX/XX/XXXX. Since then when I call them the person who answers me contradicts himself in many things regarding the information I requested. The transactions that I am requesting to be credited are {$1.00}, {$140.00}, {$3.00}, {$310.00}, {$1.00}, {$1.00}, {$2.00}, {$110.00}, {$190.00}, {$2.00}, {$76.00}, {$6.00}, {$5.00}, {$1.00}, {$250.00}. All those are foreign transactions made in XXXX, XXXX at the same time

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 2023-04-28
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX Open Date : XX/XX/2013 Balance : {$300.00}. Please make sure this account was remove in my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from XXXX. The caller claimed to be a collections agent from Transworld System. The caller said they were collecting a debt from an address in XXXX Az, XXXX XXXX XXXX XXXX XXXX XXXX. The debt was from unpaid amount total a little over {$100.00}. The caller who said his name was XXXX and that Transworld was the collections agency for Arizona Public Service. He was calling about an outstanding debt stemming from XX/XX/2020. 

He asked if he had called ( my name ). I responded yes, for it is my name. At the conclusion of the conversation I hung up the phone with XXXX, and called XXXX. There was indeed a person with the same name, spelled slightly differently, living at that address, but the person 's information did not match my own. It is a common middle eastern name. That individual had verified themselves via passport. I have never lived in XXXX Az.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: EQUIFAX, INC.
State: IN
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:
Equifax is in contempt and violation of my consumer right by reporting a fraudulent inquires on my credit report. Below are the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX i need all these fraudulent inquiry removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO 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