BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Good morning. 

I'm a XXXX yr old widow. I'm facing a situation that is making me XXXX XXXX and I'm XXXX imagining that I may be homeless. In XXXX, I was assigned to a case XXXX from XXXX. Since XXXX I have been working closely with Chase and XXXX. There has been XXXX sale dates canceled because we are working on my case. 
First, Chase Bank had to give XXXX a reinstatement letter for XXXX which is what they fund. Chase provided me with a reinstatement letter for XXXX that was owed in XXXX, Which XXXX are in fees. I was left with no choice then to file a XXXX XXXX Report complaint. Chase response was stating that they will waive or remove the fees under the circumstances that XXXX sends them a letter stating I have applied for XXXX. I had XXXX sale dates which have been canceled since we are working with XXXX. On XX/XX/2022, I was told to send Chase a modification application. It was sent that same day to Chase. I was under the impression that finally I was resolving this issue. On XXXX XXXX, Chase sent me a letter with my options which were Short Sale and issued a SALE date for XXXX XXXX. They mention I did not have time to complete the modification program. I have been back and forth with Chase since XX/XX/2022 there has been more then enough time. I have the help from XXXX and Chase is making any reason not to accept the payment. This is something that needs to be heard. Chase should accept the payment from the XXXX the very main reason its been issued. They need to reinstate my loan with the XXXX as they said in written. They said once XXXX sends them a notice that I have a application with XXXX they would remove or waive fees. They need to reevaluate the actions they are taking as they are not correct. They are not doing as they said now time has past and they dont help. I have XXXX XXXX XXXX and I'm XXXX this is taking a big impact on my health. I live at the house with my XXXX teenage grandchildren both full time students. If I lose my house I will be homeless with my XXXX teenage grandchildren. This is devastating and I feel hopeless. Please help. I will greatly appreciate it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: NV
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:
XX/XX/2021 XXXX XXXX {$36000.00} this is not correct information reporting to the credit bureau. unverifiable information ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation and promptly notify the furnisher of that informatiob

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 2020-02-07
Company: Financial Business and Consumer Solutions.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received paper bill in mail dated XXXX from FBCS Consumer Contact Solutions - XXXX. 

Received phone call about the bill shortly after. I requested they send all future correspondence in writing. 

I did not take down the number of the call as I have not had problems with debt collectors call after my request. I believe that on the call I stated that it was right before XXXX and XXXX and that I was not able to negotiate a settlement at that time. 

I have attached two of my XXXX  bills showing my call logs from XXXX and XXXX. There are two calls from area code XXXX during that stand out to me as being numbers they may have called from : -- XXXX inbound XXXX at XXXX XXXX  - 2 minutes -- XXXX inbound XXXX at XXXX XXXX  - 1 minute I know I received a call about this bill and I know I requested that all correspondence be sent in writing. 

Recent History of Calls ( screenshots included - phone log only goes back to XXXX ) : -- XXXX inbound XXXX at XXXX. Missed call. 
-- XXXX inbound XXXX at XXXX. Missed call. 
-- XXXX inbound XXXX at XXXX. Answered and made an offer for a settlement. 

-- XXXX inbound XXXX at XXXX. Missed call. 
-- XXXX inbound XXXX at XXXX. Missed call. 
-- XXXX outbound XXXX. XXXX offer acceptance and payment plan arranged. 

Payment was authorized on XXXX and posted to my account on XXXX. 
Charge ( same as authorization made on XXXX XXXX to my account on XXXX and posted to my account on XXXX. 

-- XXXX at XXXX XXXX ( 9 minutes ) : called to ask re : duplicate payment. Agent asked whether both payments had posted. He asked me to email his supervisor confirmation that both payments had posted ; he was adamant that they must have proof that both payments had posted. He seemed very concerned about returned payments - which means that this was intentional. 

-- XXXX at XXXX ( 5 minutes ) : called to confirm receipt of my screenshot that both payments had posted. Was told the payment had been reversed. Did not receive confirmation by email ( as this was how I was told to submit my proof ) from XXXX. Asked for the name of the Debt Collector - Financial Business Consumer Solutions, FBCS ; the phone number she gave me is XXXX. 

Reversed charge will not immediately post to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRUIST FINANCIAL CORPORATION
State: NJ
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:
Truist bank and the truist fraud department. I have been calling the fraud department after dening my claim twice for an ACH transaction. Then I received a letter from the client resolution specialist XXXX XXXX he said the decision to deny the claim remains unchanged. I called again today the supervisor could barely speak English and just kept repeating herself. After explained repeatedly why the ACH transaction should have been returned. She refused to tell what was in the notes from my conversations. After calling over 6 times. I'm sure that money should have been returned. If you have further questions someone can contact me. Thank you

Company response to consumer: In progress
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Acct # : XXXX, Balance : {$4900.00} and XXXX, Balance : {$9400.00} ( Disputing All five different Loans ) To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ I owe {$4900.00} and {$9400.00}, which appears on my XXXX, TransUnion, and XXXX XXXX XXXX ] . This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation. ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Last 4 of SNN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 non-monetary relief
Consumer complaint received 2022-04-27
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
This is not a 3rd party. Please review the attached documents. These accounts are in violations of the statute of limitations and missing information. These accounts are reporting several violations. Send me every document you have pertaining to the accounts attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: FL
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'm sending this complaint to inform the credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act 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 2020-02-07
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
1. XX/XX/XXXX Phone payment made to amerihome mortgage with payment followed by a received confirmation for payment to be processed XX/XX/XXXX. [ XXXX ] ( view attached ). Notified by XXXX via statement ( XX/XX/XXXX statement date ) that payment bounced on XX/XX/XXXX. 
2. XX/XX/XXXX received loan statement assessing a late fee of XXXX in addition to XXXX, totaling XXXX. 
3. We were going through a period of forbearance* effective XX/XX/XXXX. Reason for forbearance : Father in critical condition and was admitted to XXXX care. Additionally, sister was diagnosed with XXXX XXXX XXXX and had to make frequent visits to XXXX  XXXX for treatment. 
a ) As of XX/XX/XXXX, father passed away. ( view attached : XXXX funeral doc. AttachedDeath cert. available upon request. ) b ) ( Sister ) was still undergoing treatment at XXXX  XXXX *if information is needed able to provide 4. XX/XX/XXXX ( Monday ) We prepared and issued a cashiers check in the amt : XXXX which was confirmed as received by Amerihome Mtg. bringing the account up to date with XXXX remaining on the balance. 
5. Sometime beginning XX/XX/XXXX we were issued mishap reversal refund of XXXX, reducing our XXXX payment on the balanceeffectively delaying the delinquent situation further in which we concluded that Amerihome Mtg. was insisting that the whole payment of XXXX or no payment ( will reference this in their claim about offering a reprieve had we contacted them. ) 6. Due to the mishap reversal refund, we made a money order payment of XXXX on XX/XX/XXXX with the intent to clear both the XXXX refund and the XXXX remaining balance. 
7. we received a statement dated XX/XX/XXXX from Amerihome Mtg . on XX/XX/XXXX ( Thursday ) stating we had a balance of XXXX XXXX. XX/XX/XXXX received letter from amerihome letter date XX/XX/XXXX that they have made multiple attempt to reach us and referring our loan to a foreclosure review committee 9. XX/XX/XXXX contacted amerihome spoke with Mrs XXXX. She notified us as of this morning they have sent our loan over to the attorney for foreclosure. They did not receive payment of XXXX that was sent via money order. Was instructed to call back by XX/XX/XXXX so we can know how much is owed and request a refund from XXXX XXXX ( refunds can typically take 30 days if and when approved ) 10. Called Amerihome Mortgage XXXX XXXX  XX/XX/XXXX Spoke with Mr XXXX employee id number XXXX notfied us that our account has been assigned to Attorney XXXX XXXX XXXX XXXX. 
11 contacted the lawyer office office hours Mon-Friday XXXX will attempt lawyer again Friday XX/XX/XXXX NO phone calls what so ever has been made to any point of contacts. Letters are delayed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: NY
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:
This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-02-06
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/2019 I received a call from XXXX XXXX XXXX XXXX on my personal cell phone from a person claiming to be with XXXX XXXX XXXX about a " personal business matter. '' This person would not inform me of what this was about until I provided personal information, which I did not provide. 

Later that morning I received a call on my work phone. I did not record the number, but it was the same organization on the line. Again, I could not verify that they have any legal claim to be reaching out to me, so I declined to answer any questions. 

About an hour later, my grandmother called to tell me that somebody had reached out to her about me. I suspect it was the same organization. 

Today, XX/XX/2019 I was informed that XXXX from the XXXX XXXX XXXX called someone at the firm I work for on this matter. The number they called from was XXXX XXXX XXXX. 

I have never received any mailed communication from this organization or any proof that they have any legal claim to be reaching out to me. I suspect this is in regards to student loan debt, however I already know who I pay student loan debt to. Further, if they are a legitimate debt service organization I would imagine they should be able to get up to date information from my school - my school knows where I live. 

The combination of their aggressive tactics and their inability to locate where I live to send me mail on the subject suggests to me that this is not a legitimate organization and I will not give any personal information to them until I am able to. I suspect I am being targeted as part of a scam.

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 2023-11-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I went to enroll back in school after taking a break, and found out my loan wasn't in deferral anymore. I didn't know it was out of default which was a shock, then told to pay 9 months to go back to school. 

I was making payments to US Dept. of Ed. then was unemployed and fell behind. Tried to contact them found out they sent to their standard collection agency ( XXXX? Law Office ). The XXXX  law office never replies to anything, their reviews also say this online. When I received a letter from them, I wrote back that I was submitting the 2 payments a month ( double payments to catch up ) to US Dept of Ed previous address and they are cashing the checks. Never heard back. Then last years biggest tax return I have ever received in my life was kept by them.Put me in another financial hardship ( fixing cars, catching bills up, etc. ). 

I have been paying double payments since last year and received a tax form regarding the {$5500.00} amount I paid for student loan interest in 2019 for my tax filing this year. When I try to find a phone number to call US Dept of Ed it is difficult to find one regarding my account. I tried the default resolution group regarding tax returns being taken and it says I am still with XXXX  law office who I have never dealt with. I was calling to ask if my return ( if I even get one since I changed my filing after last year ) was released now, if I can go back to school since I am caught up and I can't get through. I even want to still make a payment a month while in school. I tried to file a complaint on their website and the information about what they deal with does not pertain to what I am complaining about. I just want my account cleared up and this XXXX agency never did squat for me to pay the loan once I had the money.

Company response to consumer: Closed with explanation