BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-10
Company: PHH Mortgage Services Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
PHH  Mortgage sent our tax money  ( fro m our escrow account on   XXXX   XXXX   XXXX    )  to their  3rd party administrator that was supposed to then send it to our local township. After closing on the sale of our house (    XXXX   XXXX   XXXX   ), our local treasurer had been in constant contact with us to figure out where our missing money w as ( all the while, PHH kept confirming they had sent the money ). We received letters from PHH (  XXXX  dated       XXXX   XXXX ,  XXXX  and   XXXX    dated  XXXX   XXXX ,  XXXX  ) confirming that they had sent the money to our local township. Our treasurer from the township was finally able to get through  to PHH to find out about the 3rd party administrator and told us about it. We then were sent two more letters from PHH advising that they would be   sending us our refund ( letters were dated   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   ). We have called and talked to many supervisors about this issue and have been assured every time that it was " being expedited ''. We still have not received a refund check  ( {$2100.00} )  even after having another conversation with them on   XXXX   XXXX   XXXX  . This needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
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:
When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : 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 2022-02-22
Company: Experian Information Solutions 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:
exercised right to rescind the contract due to XXXX XXXX fraud and breach of contract evidenced CONSUMER FINANCIAL PROTECTION BUREAU case and complaint id # XXXX as evidenced on the records, i.e. credit reports, fraudulently -- no lawful nor legal consent was given -- created and stored by the accomplices and accessories XXXX XXXX aided and abetted, in disregard to the laws, XXXX XXXX has criminally and publicly committed fraud, defamation of character and libel crimes while, again, aiding and abetting, which is another crime, third parties, i.e. XXXX, XXXX, and EXPERIAN, all of which are accomplices and accessories -- by way of negligence or not -- to assist in carrying out the unlawful and illegal offenses, crimes and violations against XXXX XXXX and causing severe personal injury and damages to XXXX XXXX and authorized representatives.

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 2022-02-23
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I leased a XXXX XXXX XXXX through Hyundai Motor Finance in XXXX. I recently moved to XXXX and I have 30 days to title, register, and get XXXX plates on my vehicle. I have been in touch with Hyundai Motor Finance via phone, email, and secure messaging since XX/XX/XXXX. The customer service folks have told me on phone that they have sent the copy of the title to my address ( on XXXX ) and directly to DMV ( on XXXX ) but neither I nor the DMV have received the documents. I have followed up numerous times with customer service and I have never received a tracking number for the mail they supposedly sent. I moved to XXXX from XXXX on XX/XX/XXXX, and I need this paperwork to register my car in XXXX by XX/XX/XXXX. If I don't get a copy of my title soon, my car will become illegal to drive.

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 2023-02-15
Company: EQUIFAX, INC.
State: NJ
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: DE
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:
Submitted a complaint demanding for a debt validation letter from XXXX XXXX and was sent a deceptive contract with wrong address, license number also incorrect balance. i previously asked them to remove this account due to identity theft which i sent certified letters and i am uploading receipt to this complaint that i also sent to CRA 's with ftc form attached. I am uploading documents which shows inaccurate information being reported they have a address listed in which i never lived but on the CRA 's it is listed totally different in which i can not dispute because it is blocked by XXXX  XXXX. I will upload current license in which i have lived for XXXX  years I am demanding this account be deleted immediately. I am now sending a cease and desist and expecting all remedies be invoked

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: ORG GC GP Buyer, LLC
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First, some of your choices did not apply to my problem. I only selected them so I could proceed.     The first paragraph below is my first contact with the  XXXX  of Ohio  XXXX . General regarding GC  XXXX   XXXX  Partnership/Gulf coast Services/ Operations Division. They in turn, contacted them about my complaint. I have attached a copy or their atty 's response. Below  is a summary of my problem : FAIR DEBT COLLECTION PRACTICES ACT. I have student loans. Through a collection agency I made arrangements for pmt in  XXXX   XXXX  and was assured by employee, that I was not certified for my tax refund to be taken. It was. On  XXXX  the agency mgr said he would listen to recorded ph calls & get back to be by  XXXX . He did not and will not respond to my calls.   To me, this deceitfulness regarding the offset and the refusal of the mgr to return my call is a blatant violation. In return, the atty said he has been disciplined. You do n't discipline someone of they are NOT GUILTY! Please review the attachment.     In addition to the above matter, my initial contact with the agency was with agent  XXXX   XXXX . We did not have a congenial conversation and when she hung up, she called me back and called me a  XXXX . I suspect it was on her personal phone, and so it ca n't be proven. However, I believe it was on  XXXX   XXXX ,  XXXX  about  XXXX . Those calls could be listened to. I had also told Mgr.  XXXX   XXXX  about this in my conversation with him on  XXXX   XXXX ,  XXXX . I 'm confident this was covered up as well.     I look forward to your response.      XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023, I received both a text and email from Chase confirming if I authorized a charge or not on my debit card. The charge was from XXXX XXXX XXXX for {$120.00}. I have never heard of this business. Not only that, but I also never use my debit card except at the ATM. 

I clicked No and immediately tried logging into my Chase account. My Chase account had been locked, so I called Chase 's fraud department. I was asked to verify my identity and found out there were XXXX charges for the same company for a total of {$340.00}. The XXXX XXXX also went over my account details and found out that an email, phone number, and android device were added to my account that were not mine. An unknown phone number is still on my account with area code in XXXX. I've never even been to XXXX. The phone login from a XXXX device still shows on my account. I've only used Pixel phones for the past several years. Moreover, this business XXXX XXXX XXXX does not even show up on XXXX Maps XXXX 

So, Chase credited my account and then on XX/XX/2023, I received a letter in my Chase account stating that they found the charge to not be fraud and that " We have found that the transaction ( s ) was processed according to the information you provided or was authorized. '' and that they will remove the {$340.00} on or after XX/XX/2023. I don't understand why as even my account shows that there was someone who illegally accessed my account. 

I called them on XX/XX/XXXX after receiving that letter asking to escalate and they said the claim was closed and I had to fax in information that shows this was fraud. They couldn't tell me what information I needed to provide but I faxed them everything I could also on that same day. There has been no new information since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 no consent is fraud.

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 2022-02-22
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The following Collections listed below were placed on my credit report without any written communication or documentation proving that I owe the debt described, I have requested that these collections produce the necessary documents to me. Otherwise Delete them from my Credit Report Immediately. 
XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) NCA - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) CCI - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX XXXX  - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX, XXXX AND XXXX- This Debt Buyer isn't even Active nor does it hold the note to collect anymore and must be Deleted from my Credit Report Immediately. 
SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC )

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 2017-05-11
Company: Suna Capital III, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On  XXXX / XXXX / XXXX   XXXX  sold the loan t o Suna Capital -  XXXX   is out of bus.    Suna servi ced the loan from  XXXX / XXXX / XXXX  to i believe  XXXX .    Suna  capital payments were p % i, then starting XX/XX/XXXX  i requested to include the taxes and insurance within the payment.   made lump sum   Suna Capital plus paid there legal fees. provided documentations.
Then Suna Capital sold the mortga  ge to  XXXX   XXXX  in  XXXX .   the escrows according  XXXX   XXXX  were never transfered over.     i was told by  XXXX   XXXX  to contact   Suna Capital to get the escrows transfered.
Suna Captial contact pe  rson is  XXXX   XXXX  whom was very difficult to deal with. He made me feel like i was stupid and i believe that he would of preferred that my home go to foreclosure.   he made very degrading comments. he mentioned that people were contacting him about my home and that it must be in a nice area. he aslo said i was better off to walk away. that is very unprofessional.   My attorney his name was Attorney  XXXX   XXXX   XXXX   Suna Captial  attorney was  XXXX   XXXX   XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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:
My name is 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 no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: AMERICAN EXPRESS COMPANY
State: CA
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 had fraudulent transactions on my card that used to end in XXXX and now ends in XXXX. I was told that they could not mail me a new physical card because all card numbers were exhausted. 

I was then directed to the special handling team to get a new account number. I was read a disclosure and was specifically told that I would receive a new account number within that day on XX/XX/XXXX, even though I didn't. I was also told that there would be no hit to my credit report and everything would stay the same. 

MY reference number is XXXX. I still have not received the new account number, and i was furthermore told today that the current account ending in XXXX will close within 5 business days of putting the request for a new account number, even though the new account number can take up to XXXX busines days to process. 

So now I'm basically in a situation where I may not have an american express card for some time as one account is closed and the other is still being processed. this makes no sense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-11
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am having a problem with my  Chase  Credit Card. Back in   XXXX   XXXX   I started getting charges on my  Chase Freedom Visa  credit card. The amount was for {$9.00} from "  XXXX   XXXX   XXXX  ''. I have been getting these charges all the way through   XXXX   XXXX   despite contacting  Chase   three  times. This company is  one  that I made a legitimate software purchase on   XXXX   XXXX   XXXX  . Apparently they decided to use my credit card info they had on file to fraudulently charge me {$9.00} per month forever. I never authorized this. I have spoken with  Chase  Credit Card services  three  times. The first time they said I would be reimbursed for all charges from My Choice Software and I was asked if I wanted to block all future charges and I said yes. I never received credit and called a second time, I was reassured my credit was coming. I got the credit but the first 3 months were not credited (  XXXX ,  XXXX ,  XXXX   ).  I got credit for  (   XXXX ,  XXXX ,  XXXX ,  XXXX  ) on the  XXXX  statement. When I called to ask about the first  three  months, I was told they were from too long ago. https : //www.chase.com/digital/fraud-security? wcmmode=disabled is Chase 's statement on  fraud  protection. There is no time limit listed on this page and I was first told I would receive credit for all charges. What 's even worse is they are still accepting charges from  XXXX   XXXX   XXXX . I have received new {$9.00} charges in  XXXX ,  XXXX ,  XXXX . I do n't know what to do to stop this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-02-22
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2017-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On  XXXX   XXXX  , 2017, I  went t o Capital One credit card website to dispute a charge that was on my credit card. As I was trying to dispute the account I wanted to go back to the next window to get a phone number for the company that put the charges on my account. The word " cancel '' came on the screen so I pushed " cancel '' and instead of going back to the other screen while trying to dispute my account I pushed this word thinking I was going to go back to the dispute page. This cancelled out my credit card that had been using for the past two few years!! I called Capital One to see why I could not use my card they stated that there were fraudulent charges. I told them " no '' I wanted to go back and dispute the charges but the only button available was " cancel '' I asked to have my card reinstated because there were no fraudulent charges I still have the card. Capital One stated that th ey would send out a replacement card. It has been two weeks and I have been waiting on my card in which I need for emergencies but do not have at this time!!

Company response to consumer: Closed with explanation