BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My son received a settlement check over the past weekend. My son is currently at a mental institution. I went to visit him and he signed the check. I went to chase on XX/XX/XXXX and deposit the check. The next day I went to buy something to eat and my account was restricted. When I deposited the check, the receipt said the check be will cleared in XXXX XXXX. I went to a branch and they had computer problems that day so the clerk gave me a number to call. When i called Chase the supervisor said my son needs to call them with a cellphone that his name is registered to. My son is currently at a mental institution. He does not have a cellphone. He can call me on a patient phone. Not only has chase blocked my account but they restricted it. I can not buy food to eat. I am multiple myeloma and I am hungry. I have begged them the allow me to take some of my money from the account, and they said no. The check is legit. Now chase told me after XXXX XXXX they will close my account and issue me a check. It will take another XXXX XXXX  before I can get a check issued from them and the check will be void. The check is from the XXXX. They will closed my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07
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: Information belongs to someone else

Complaint:
I am writing to have the following removed from my file immediately. The items i need removed are listed in the report. i am a victim of identity theft and i did not make these chargers. i ask that items be deleted to correct my credit report. i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commission identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me and family from moving forward with our lives and is not reflecting an accurate score. THANK YOU XXXX BLESS

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 2022-10-03
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 


XXXX XXXXXXXX Date XXXX Balance : $ XXXX Late Date 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 2023-10-06
Company: World Acceptance Corporation
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had a business checking account with Bank of America for year with no fees. 

Without notice I was charged $ XXXX. As I had never had fees before, I didn't see this fee until 4 months in. As I didn't have a a high balance, B of A stole over 25 % of my balance. B of A would only credit one month, leaving me on the hook for almost {$90.00} in junk fees.

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 monetary relief
Consumer complaint received 2019-03-25
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been suffering a hardship because of the loss of my income from my job that I was on for XXXX   years for the XXXX XXXX XXXX. I notified my bank of the problems I was having and all they keep doing is sending me paperwork to reapply for a modification which day we will will never give I have been suffering a hardship because of the loss of my income from my job that I was on for XXXX years for the XXXX XXXX XXXX. I notified my bank of the problems I was having and all they keep doing is sending me paperwork to reapply for a modification. They will not consider me for a modification because they said it would raise my payment I have no income except for a small supplement I get each month for raising my grandchildren its {$700.00}. My husband lives on Social Security and he can only afford to pay his bills and nothing more I ask the bank if they would except {$500.00} payments because I am expecting all my backpay but they will not work with me. I also slide for Social Security XXXX which I had a hearing on XX/XX/XXXX I am currently waiting for the decision on that but I applied for that two years ago and theyre claiming that if I get approved I will get that back Pay. I am stuck in a rut at this time I have no way to make money because Im temporarily totally XXXX and I have been for the last two years I ran out of money in my savings is gone my brother was helping me but he passed away in late XXXX and I want to keep my home. I have a problem with XXXX  and XXXX at this time and I just dont know what to do I need help please will somebody please help me keep my home I have nowhere to go with my XXXX children and my dogs I just have nowhere to go. Ive been in this house for the last 20 something years and I plan on paying it off one day but I just need the payments to be suspended until all this money starts coming in can someone please help me my mortgage payment doesnt seem to want to help me I dont know what to do. Another document that I turned in they claim they never got to spending my payments in XXXX of last year but Id have to have proof that I signed it and I faxed it to them because they got it to me after or close to the deadline so I faxed it to them and they are claiming they did not get it although I have a copy of it please can you please help me get some relief from this I dont wan na lose my home.

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 2023-06-17
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: WI
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: CA
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 report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon reviewing my credit reports from Equifax, XXXX, and XXXX I have seen that my remaining balance on my auto loan is reporting inaccurately. As of XX/XX/, the remaining balance of my auto loan reported on all three of my credit reports is {$20000.00}. I am disputing the inaccuracy of my remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
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:
I was affected by XXXX XXXX XX/XX/XXXX I applied for and was approved for the Covid 19 Forbearance protection under Cares Act. Under this protection my account was to show Forbearance and current. It was this way for a year. In XX/XX/XXXX I applied for and was approved for a loan modification. I qualified under Covid 19 Cares Act which allowed the lender under FHA to defer the past due amount. They did so but instead of showing that my new payments were due XX/XX/XXXX, they reported my credit late for the previous months that I was to be protected. I asked that they correct my credit. They had me send a letter. I did so, and my credit is still showing late with XXXX XXXX it was first reported late XX/XX/XXXX and now showing over 120 days late for XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company of Convergent Outsourcing seems to have purchased debt I supposedly owed from another collections agency. However, not only was the account not mine in the first place, I already got the collection removed from my credit score several months ago, making this a repeated attempt at trying to saddle me with debt that is not mine. It also seems like the debt is being marked as new, making it so that it is on my credit report for longer. One last thing Is like to not is that I never even received any sort of communication from this company.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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'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 for 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 non-monetary relief
Consumer complaint received 2023-05-02
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:
This is XXXX XXXX and I am submitting this CFPB complaint in response to the Credit Bureaus ' recent investigation. I do not agree with the Credit Bureaus ' findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting these information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question : XXXX XXXX XXXX  Opened XXXX XXXX XXXX  XXXX : {$250.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 
XXXX XXXX XXXX XXXX XXXX Opened XX/XX/2019 Balance {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 and 60 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. I need this erroneous account removed from my Credit file without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I, XXXX XXXX, am a living woman and I am submitting this complaint on my own and there is no third-party working on my behalf. My issue with XXXX XXXX XXXX XXXX is that they have breached their own contract and have provided false and misleading information. I have been in dispute with XXXX XXXX XXXX XXXX for several months about their fraudulent activity and have not received any resolution to my dispute. Instead they have CHARGED-OFF my account and have reported this negative account to the consumer reporting agencies. This is a clear breach of contract. Within their Promissory Note, it states that any DISPUTE ( meaning " any action, dispute, claim, or controversy of any kind arising out of, in connection with or in any way related, even indirectly, to the Note or the extension of credit set forth in the Note '' ) should be brought through binding arbitration. XXXX XXXX XXXX XXXX did not do this, they only charged-off my account and did not provide notice of such changes to my account. Pursuant 15 USC 1681a ( 2 ( b ) ), a charge-off account should be excluded from a consumer report and reporting a charge-off is a fraudulent reporting of an account. Reporting a charge-off is illegal because it is income and income is not reported to a consumer report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that this charge-off account should have never been reflected to my consumer report, which is identity theft.

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 2023-06-17
Company: EQUIFAX, INC.
State: TX
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:
n accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account XXXX XXXX XXXX XXXX have violated my consumer rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) States I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( Section 604 A Section 2 ) : It also states a consumer reporting agency can not furnish an 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 convictions of crimes ( they may only report crimes, not debts ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: Resurgent Capital Services L.P.
State: MA
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 been disputing this account for several years. I have asked this company to provide me with any documentation that shows how this loan was obtained and they NEVER send me anything. Only generic documentation about all of their loans. Nothing about me personally. Nothing with my information on it. Nothing showing that the loan is mine or obtained by me. I have been asking for this information for years and they still have yet to provide me with any documentation. I have tried to dispute this through the credit bureau, and they state that the account is verified yet no one is sharing validation of this account. This is frustrating because no one is able to share validation of an account they are claiming was open on-line by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter to all 3 bureaus stating that my address is XXXX XXXX XXXX XXXX XXXX XXXX WA, XXXX. I am concerned that personal information is being sent to address 's I do NOT live at. This neglect is troubling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and does not let me add a new bank account or a new debit card to my PayPal so I can able to withdraw my money after the 180 days restriction is over. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could make a report on here as I feel they are not doing their job properly. The email to my PayPal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: TX
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance : {$67000.00} ; XXXX XXXX XXXX Balance : {$26000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My husband and I have struggled to make the payments on the loans. Navient kept stearing us to forbearance instead of income driven repayment. Then when we asked for income driven repayment, we were told that they would send us information via email on how to apply for it. The email never came. I check spam, trash, etc. No email. Called again and asked for them to resend the email. Was told it would be in my email within 2-4 hours. Again, no email. I finally had to do research on my own and hope that I have gotten it right. My loans are supposed to show that I have made the arrangements and show current, however, it is showing that I am in default. 
Navient also has not given me any direction as to how to handle anything since I became permanently XXXX. They never told me that I could apply for special circumstance because of my XXXX status. 
Additionally, they have changed the amount of the payment on my loans several times. They sent mail with one monthly amount and then within days we get more mail with a change in the monthly amount. It was confusing. 
Navient is not acting in good faith.

Company response to consumer: Closed with explanation