BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received an email from chase that me and my husband owe {$9400.00} to our mortgage company 5 days prior to XX/XX/XXXX, or our mortgage goes up {$1300.00} per month for 1 year. My husband and I were immediately confused. We have paid our mortgage on time every month and we have a fixed interest rate. 
After much of my own investigation. Chase bank obtained our loan from XXXX XXXX last year. They obtained the completely wrong tax information. They had my property taxes down as {$11000.00} per year. When my taxes had been XXXX. They paid my taxes quarterly. I also found out my taxes went up {$2000.00} mid year. Which chase bank paid for however, my monthly mortgage never changed. So not only were my taxes down incorrectly in their files but they went up as well. 
I asked the servicer to allow me to take my home owners insurance and property taxes out of my escrow as I no longer trust their calculations. This would also decrease the amount that is due at the end of the month considering a good portion of that money owed is escrow. 
Chase Bank is not only not taking accountability for their error, but denying me the ability to remove property taxes and home owners insurance off of my escrow. They say because I have PMI their policies wont allow it. I told them I do not have the funds to remove PMI that would require {$100000.00} from me. They told me nothing else they can do. 

They have handled my account all year. I handle all of my personal banking through chase. This is something that shouldve been captured earlier or even given more time to come up with such funds. That amount of money up front or increase per month can put us in foreclosure. That is another mortgage to pay every month for one year. 

Not to mention our mortgage even after this lump sum or increased payment for a year. Our mortgage still goes up {$500.00} more a month permanently due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: TX
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a checking account with Chime on XX/XX/2022 and updated my job to have my paycheck direct deposited into this account. On XX/XX/2022 my account was closed immediately without giving a specific reason. After hours of calling and talking to multiple people from chimes member services they could not give me a specific reasoning why my account was closed and could only tell me that I must of violated one of their agreements. I was only able to have one paycheck deposited into this account before it was closed for the amount of XXXX, because of opening the account I was given a free {$15.00} from chime as well as a free {$100.00} because I used direct deposit and it was their bonus. On XX/XX/2022 I initiated a transfer from my chase checking account of XXXX dollars to be sent to my chime checking account and it was to arrive on XX/XX/2022 to that account. Since my account was closed on the XX/XX/2022 I have lost access to any of my funds in the account and have already sent document to chime to prove my identity but they have not gotten back to me and have made no effort to assure me that my funds will be returned to me. I need assistance contacting this company and have my funds returned to me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: ALLY FINANCIAL INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Since XXXX XXXX I have been given the runaround. I have sent countless emails, proof, recorded phone calls etc.Yet, representative XXXX XXXX Ally auto has been negligent and intentionally falsifying statements.My payments for my vehicle were mishandled by Ally.

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 2022-11-02
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
The Contractor, XXXX XXXX + XXXX XXXX, XXXX. XXXX did not complete the solar installation as agreed per the 'Installation Agreement ' attached. Financing was arranged and obtained by XXXX, XXXX XXXX, through " XXXX XXXX '', copies of XXXX XXXX ; however, the documents were removed from XXXX and we have no paperwork from XXXX XXXX, we could not discover XXXX XXXX  in the NMLS. We were delivered a Pronmissary Mortgage Note from " ENERBANK '', again not discoverable in NMLS. In a text conversation with XXXX XXXX SMS with the bank, we stated " DO NOT PAY '' ( XXXX ), since the work is substandard and rejected for the XXXX XXXX XXXX XXXX XXXX contractor 's final permit, herein attached.

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 2023-06-09
Company: EQUIFAX, 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:
Hello, After disputing XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX multiple times I filed complaints with CFPB for the account with XXXX, Equifax and XXXX. Complaints and complaint results are attached. All three claim to have verified and updated the account, however on my credit report dated XX/XX/2023, the account still has inconsistent information with all three bureaus which include, the balance, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  I have never lived at this address, I been in Florida since  XXXX    XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Gentlemen, I would like to file a formal complaint against Discover XXXX. Upon my wifes passing on XX/XX/XXXX, I began the lengthy process of identifying her outstanding liabilities. Upon reviewing her statement from Discover, I noted the excessively high interest rate Discover was charging my wife on her card XXXX. The rate was 28.99 % which I believe is excessive, boarding on what I consider to be usurious. My wife XXXX was XXXX XXXX XXXX. XXXX as she had been a customer since XXXX, had a XXXX score of XXXX per their XX/XX/XXXX statement, had stable employment ( XXXX ) years and stable residence ( XXXX ) years I fail to see what characteristics placed her in such a high risk high rate population pool. 
My daughter, age XXXX also has a Discover card, her rate is XXXX  %. This speaks to the possibility of age discrimination in the determination of pricing. I understand the concept of varying rates based upon perceived risk, but in 38 years of commercial banking I have never seen a rate of XXXX %. I understand the concept of discretionary pricing having worked in banking for 38 years, but have never seen such disparity. 
I request you investigate this matter and specifically look at the following issues : XXXX ) Age discrimination in pricing that XXXX be overt or covert XXXX XXXX XXXX pricing strategies for both existing and new customers and whether said strategies are well supported by statistical data which clearly identifies credible risk factors XXXX ) Whether pricing strategies are applied universally and fairly to all clients rather than cherry picked I have reached out to the company on XX/XX/XXXX to request answers to these questions and was told I my concerns would be passed on to a higher authority. The name and title of said authority was not given. To date I have not received a return call although contact information was exchanged. 
General information you may need : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  last for digets of her social security number My name is XXXX XXXX. I can be reached at ( XXXX ) XXXX if further information is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2023, I contacted CFPB to report that I had been unable to access my Equifax credit report through Equifax 's website for over 2 months. Each time I tried to access my report I received a message that stated, " We are temporarily unable to complete this request. Please try again later. '' I called Equifax twice to report the issue -- each time I was told that the issue had been 'escalated ' ; however, there was no confirmatory email, nor was there any communication from Equifax via the U.S. mail. I am still unable to access my report. 

On XX/XX/2023, CFPB received a response from Equifax stating that before Equifax could assist me with my Equifax credit file, Equifax needed to verify my identity and address. Equifax stated that they mailed a letter to me describing the documentation needed to verify my identity. As of XX/XX/2023, I have still not received this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-11-02
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
This account doesn't belong to me and I would like this company to update this information on my credit file in reporting accurate information to the credit bureau the amount is for {$10000.00} from Toyota Financial services which it says charged off but is reporting on my credit file and is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Recently, I, XXXX XXXX XXXX, was denied an extension of credit by Citibank. On XX/XX/2022, I applied for Citi XXXX XXXX XXXX XXXX. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1692 ( K ). Citibank has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022, is both a proof and evidence that I have been discriminated against, you are also criminally liable. 

I received a response from Citi on XX/XX/2022 that does not satisfy this ongoing concern. I have escalated the matter with the Attorney General. See attached.

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 2022-02-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I took it upon my self to follow the FDCPA laws and FCRA laws by sending all incorrect and damaging report to all the creditors and collections agency a Validation letter. None of the only 2 account complied with and sent a letter to remove the accounts of my credit report. I created a packet to all 3 major credit report bureaus showing evidence of all letter send and dates ( which I waited the complied 30 days gap ) advising them to remove and all accounts listed in the letters sent to all creditors and collection agencies. it has been more than 45 days and non have been removed. I also confirmed that all 3 mayor credit bureau have received the packets sent by me. I have tried to exercise my rights has its stated in the FDCPA and FCRA and non of which have complied with not even a letter or a call to fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Mercedes Benz Financial Services
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: Information belongs to someone else

Complaint:
I purchased a vehicle from Mercedes in XXXX under my business account to which I was tall and was under the impression was not going to show up on my personal credit and it do I request to have that removed off of my personal credit and I was told that thats not possible so I need a better understanding to how I purchase a vehicle under my business account under my business name under my business XXXX in number but its on my personal credit report.You have XXXX separate entities for a reason I was told that Mercedes will just do XXXX hard inquiry on my personal credit report and my vehicle payments and information will be available on my business report which is not showing true. Mercedes also need to update my old account to which they still have it shown active which is incorrect information which is affecting my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: GA
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, XXXX has violated my rights. 

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

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

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

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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

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 2023-03-23
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Wells Fargo handled my car loan and my mortgage. when i lost my job of 30 years and took an XXXXXXXX dollar an XXXX paycut i called them to try to get some help. i was denied several times, charged outrageous fees... mistakenly reposessed my XXXX. When i finally sent in paperwork to modify my mortgage they promised to work with me... .told me NOT to pay my mortgage because i had to be overdue to get help. then when i finally heard from them it was FORECLOSURE PAPERWORK!!!! i lost my mind! Over the course of six months they led me on ... .took forever to get back to me ( i saved every email ) then sold my mortgage without telling me. they are awful people and shady business i heard about the law suit and wanted to know what i had to do to be included. I have receipts for all my complaints!

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 2021-05-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello support team, Im hoping someone can help me with my situation here. So, on XX/XX/2021 I sent out letter regarding inaccurate and unknown information that I found on my credit report after reviewing my report early this year. I'm so frustrated. I reached out to these companies for an explanation on the wrong stuff and still to this day, I have not received anything at all. not even an acknowledgement to my concerns, and we're approaching over 60 days later. I thought they were suppose to look into this for me and get it corrected, especially after that Equifax data breach that put my information in jeopardy. 

I'm like really stressed out and dont know what to do, I have a new baby thats depended on me and this is really slowing my down and now I'm being ignored of my disputes too. I've been reading up on all of this and I see that in Section 611 ( a ), it is plainly states that a failure to investigate these items within 30-45 days give a clear reason to immediately remove those items from my credit report so I can go ahead with my life. We're approaching almost 60 days, so I am asking you to help me get these items deleted as soon as possible. I have attached some of the issues in the letters below for your reference. 

I demand these accounts be deleted immediately so I dont have to file for ligitation which would be just even more stress for me and my family, I just want to know if my information was in the hands of the wrong person, before things get too bad. 

Thanks for looking into this for me and helping me out. 
This means alot,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EdFinancial Services
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for a refund on my loan payments to Ed Financial and its been over 2 months they said it could take up to 7 months this is unaceptable when other service providers are getting payments refunded in a week i need something done about Ed Financial and the treasury department

Company response to consumer: Closed with explanation