BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-01
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I've had an auto pay agreement with Chase bank to pay an outstanding credit card balance for over a year. Every month, {$100.00} has been approved for Chase to automatically extract payment from my XXXX XXXX   checking account. 
In XXXX 2020, the payment did not go through. I received no notification to that effect from Chase.. Then in XXXX of 2020, again, the payment did not go through. 
Multiple attempts to contact Chase bank have failed, due to an automated phone system that does not give any option to talk to a real person. 
I am unable to access my account with Chase online because I lost my username and password, due to a computer crash. I no longer have the credit card because I threw it away so I would not use it again. I don't get paper statements, only electronic, and they never include the account number, so I can't do anything online without the account number. I only have the last 4 digits of the old credit card, which does not give me access. 
I have written a letter, to be mailed, explaining the problem and I feel that they are now guilty of breach of contract with me under the auto pay agreement with them. They have my checking account number and routing number of my account at XXXX XXXX, which has never changed. XXXX did issue me a new debit card back in XXXX 2020, which I did not think affected the Chase agreement at all. The main problem is no means of contacting a person regarding this account. No help without the account number for their automated phone system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the account completely from my Credit Reports : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Ocwen Financial Corporation
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I missed a payment with PHH and setup a payment plan after at least 4-5 calls with them. I had to go through a 20 min interview to get on the plan. I explained to them that I needed the due date to be closer to the end of the month and they said they would change it. 

When I call to make a payment, sometimes it goes through other times I am told the payment can not be processed and to speak to a representative This passed week, i called several times on Thursday, Friday and Saturday to make the payment. Thursday the line was on hold for over 40 mins so I had to hang up. Friday i was disconnected twice and told I could make the payment online. My account online was frozen so i couldn't make the payment.

I called today was on hold for 40 mins and the CSR refused to transfer me to a manager. I paid my usual amount but am not sure if the reported me as late or canceled my plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC1681. 
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 15 U.S.C 1681 section 602 ( A ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( A ) It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-07
Company: Javitch, Block & Rathbone LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found XXXX XXXX XXXX reporting on my credit report and disputed it as unrecognized. The Credit Agencies reported back on the dispute as correct per XXXX. They told me to call XXXX directly at the number listed on credit report ( see attached item # 1 ). XXXX told me they can not speak to me, as they no longer have the file. They had me log in their website and showed me the phone number for XXXX XXXX and said to call them, they have no information on the debt anymore and are not permitted to speak with me about it. I haver called XXXX XXXX several times over the course of four weeks and only am placed on hold after pressing prompts. I wait 20 minutes or more and no one ever answers the phone. I call XXXX XXXX the original Creditor, and told them the above. XXXX XXXX states that their records show they charged it off and sold it to XXXX XXXX XXXX, to call them again. I called XXXX again and asked for a supervisor and explained why. She apologized but said she can not tell me anything, but she would send an email to XXXX XXXX asking them to call my cell number ( which I provided.to her ). I can not understand how they can claim they own the debt on my credit report and verify its info with the credit reporting agencies, but tell me they have no information on file anymore and they have no jurisdiction to speak with me about it anymore. How can they then verify they own it and corroborate its accuracy on my credit report when it was recently disputed? I am trying to get validation of this debt, but the supposed " owners '' of the debt refuse to tal to me and refer me to another party who will not answer there phones. I can show phone records of my attempted multiple calls and wait times. This should not be legal and it appears they can not validate the debt since they can not speak about it,. Secondly, this XXXX XXXX has never sent me any communications as required nor has either party allowed me to validate the debt, including the supposed owners of it!

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 2023-07-24
Company: WELLS FARGO & COMPANY
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:
This account does not belong to me the social security number is not mine this a fraudulent account thats being reported to XXXX under my name and different social fraudulently I have reached out to XXXX as well as debtors both have not corrected this fraudulent information for account WFXXXX discount that begins or ends with XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: Affirm Holdings, Inc
State: CO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was never contacted in any way of paying the end balance. Whenever I realized that they werent charging my bank I made full payment of the account to pay off the small amount. but because of issues with the banks they have put XXXX late payments on my report. I have always been on time with them and have always paid up loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: ENOVA INTERNATIONAL, INC.
State: KY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
The company, net credit by XXXX XXXX, charges interests and fees that make it very difficult to pay off/pay up the loan. I have paid well over {$1000.00} and still owe well over the line of credit amount. 
To date I have paid back {$1100.00} to the XXXX credit limit. I still owe over {$1800.00}. 

I attempted to contact the company to request any hardship assistance to which they responded they do not offer payment reductions or interest reductions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery periodically has harassed me for over ten years. At one point more than ten years ago, there was a small disputed debt from a divorce. I wrote to all XXXX major credit reporting entities to have this cleared. Ever since, I have periods where Portfolio will call me nearly daily. They have never stopped calling. In XXXX they tried to harass me into sending money while refusing to send me written explanation or documentation. I asked them to send a written explanation of the alleged debt. They never did. I have told them many times over the years to stop contacting me. I suffer from XXXX XXXX and this harassment causes me physical illness and terrible distress. have checked my credit report which appears to be good and untroubled. My credit score is good. Im not on any payment plans with any entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a home refinance loan on XXXX and have been given a new closing date every week since XX/XX/XXXX. I have been experiencing the following issues with closing this refinance : - lack of communication and responsiveness to escalate my concerns and finalize closing contingencies -duplicate documentation requests - closing date extension with no reason or warning - untimely request for title and appraisal (? reason for closing date extension ) -inconsistent requests from XXXX XXXX XXXX XXXX XXXX and XXXX for company that was shown on XXXX and not needed or significant for loan repayment, last minute transcript requests ) - last minute notification and change in closing date caused late mortgage payment for the month of XXXX ( I asked several times about XXXX payment and response was not given until the closing date was changed to XXXX ) - significant rate increase after lock My request to speak to a manager about the continued extension of the closing date has been ignored. I have asked several times of the loan was pre-approved and what contingencies were left and then given a new disclosure to e-sign with a closing date that would eventually get changed. 

This morning I discovered the closing date was changed AGIAIN to XX/XX/16 ( from XXXX ), similarly I have experienced the same last minute change XXXX times ( with NO communication ) by logging on to the online portal. This last change included an interest rate change from 3.6 % to 4.8 %. 

This is a very deceptive business practice as I have had several financial consequences as a result : - late fee from my mortgage company - missed payoff dates for loans - Higher cc balance that will reflect on my credit report - increased rate after lock and loan commitment closing date of XXXX I have provided all information to satisfaction and the XXXX continues to make NEW requests that delay the closing. If there is an issue I should have been notified so I dont make commitments to close a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a collection account from Portfolio recovery saying I owe XXXX dollars and the date opened is XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: NY
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 


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 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 explanation
Consumer complaint received 2020-10-01
Company: EQUIFAX, INC.
State: AZ
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: Problem getting your free annual credit report

Complaint:
I am unable to unfreeze my credit report with equifax. Online, the system will not accept my log in or password and when I call I am either disconnected or told the system is down and they are unable to acccess my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: August Real Estate Investments, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Our mortgage was increased by {$400.00}. We requested a new XXXX that took them 5 months to do. They did it without the correct tax information. Our taxes are around {$1700.00} a year, they are charging us. {$550.00} a month in land taxes on our mortgage. We sent them the correct tax amount, the tax offices have sent it : they continue to over charge us where we can not afford the payment, we even got a letter of foreclosure in the mail when I said we were getting an attorney they took it back. But they continue to charge us over {$6000.00} a year in property taxes on our monthly mortgage when it is only {$1700.00} a year. Our original monthly payment was $ XXXX it is now {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Early XX/XX/XXXX - XX/XX/XXXX I had purchased hardware through a company overseas. During this time everything was going well but it turned out to be a fraudulent company and that company did not obey by their terms and conditions. I filed a complain I believe on XX/XX/XXXX. During this time XXXX XXXX they said it would take maximum 60 days or two billing cycles to complete the investigation. This is some of their terms on their website. https : //paypal.syf.com/XXXX  " Once we receive the completed form we will conduct the investigation and will provide you with a response as soon as possible, but no later than two full billing cycles from the date of your inquiry. '' " Upon completion of our investigation, if we find a billing error ( s ) has been made, we will make all required adjustments to your account and the adjustments will be shown on your statement. If we find that the charge you are disputing was valid, we will notify you in writing explaining the reason ( s ) why and the disputed amount will be placed back on your account. '' On XX/XX/XXXX, they reversed my charges but did not send me anything in writing to explaining the reasons and why the disputed amount would be placed back in my account. 

On XX/XX/XXXX i was talking with a representative on the chat online by the name of XXXX who said the dispute was not fully completed and there was a mistake by that team by closing the dispute. I questioned that as I abide by their two full billing cycle window to have everything completed. I wanted to talk with a manager and she transferred me to XXXX the manager. She also said the same thing and said she needed time to investigate this issue further. She assured me she would call me back on XXXX or XXXX. She did not. 

I went to live chat again on XXXX and talked with XXXX XXXX who summarized that there was supposed to be a call back today by the concern team but they failed to do so. He once again said he would escalate this to a manager to fix this issue but didn't say anything about when. 

With this back and forth it had dropped my credit score 41 points on XXXX XXXX and -32 on XXXX due to raising the credit utilization. I am trying to buy something personal for my family but this spike has caused unnecessary frustration especially after I waited over now 70 days and I provided all necessary information to the company only to see how unprofessional they take care of their clients. Please help!

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} Please consider this a follow-up to my previous complaint to ensure the verification of the listed accounts.

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: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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