BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We decided to refinance our home with Chase Bank in XXXX 2016. We still have yet to close on our refinance. We were immediately approved and submitted all info numerous times. Chase representatives repeatedly forgot to do things they were supposed to do. They did n't submit the request for tax returns on time. They did no send for IRS transcripts on time. On numerous occasions we were told that underwriting had our paperwork, when in fact they never did. They pulled our credit report numerous times because over the length of the refinance the score kept expiring, therefore we have multiple hits on our credit. The same went for income documentation because of the length of time it took to close. My employer received numerous calls to verify my employment. To the point where HR could n't understand that it was still going on. I called Chase Corporate of NY and they would not help, instead they kept transferring me back to the branch I was already having problems with. Our loan rep would ignore my husband 's calls, yet answer when he would call from another line. He would answer my calls with an attitude. No hello or greeting from Chase Bank at all. In XXXX we were told that our loan was being fast tracked, it is now XXXX and we are still waiting, 7 months later. Loan commitments were dated incorrectly or had information wrong, even thru XXXX. On XXXX XXXX, our loan guy said we could close the XXXX, XXXX, or XXXX. I picked the XXXX to only have us receive a call that we were not closing. I only received a phone call from the loan processor in Ohio on XXXX XXXX telling me that we were closing on XXXX XXXX, confirmed at XXXX at our home. Around XXXX on the XXXX we received a call that the appointment was being pushed back till XXXX because documents from Chase still were n't received. Around XXXX we received a call that we were no longer closing because Chase still did n't submit paperwork to a closer, therefore no one was assigned to the case. My husband canceled work in order to be home for a closing that never took place. Now he 's out wages over this. I managed to have a baby and go back to work, and we 're still dealing with this. No one at Chase seems to care enough to help at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-15
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I find out that collection agencies are transferring, and, or selling disputed XXXX charge-off accounts amongst each other in a deliberate attempt to prolong how long negative records stay on my credit report and by so doing preventing my XXXX  score from increasing. The four companies are : 1. XXXX XXXX 2. Jefferson Capital XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX I was a victim of identity theft which resulted in the issuance of credit cards in my name to XXXX While several of the credit card issuing companies reviewed my claim and closed the cards, others chose to charge-off the balance owed, all of which occurred preXXXX. I filed police report and secured my credit record with XXXX XXXX XXXX. Subsequently, I refused to file for bankruptcy as advised by debt collectors, The debt collectors harassed me relentlessly asking to collect debts I did not owe. I wrote them all back asking for records of the alleged debts, including, signed copy of debt-application, record of debts alleged, and, or credit card usage, the signed-invoices, date-stamped video recordings while cards were being used. Also schedule of items purchased, or the description of products or services the alleged credit cards were used for. I also asked for date-stamped receipts of collection agency purchase of the alleged debts to compare with issuing card company charge-off date. Notwithstanding my requests to these collection companies, I expect that all negative reporting on these preXXXX charged-off accounts should have come-off my credit reports by now. Can you please check in with these companies for reasons why they would want to sell and resell these charged off accounts ( to their subsidiaries and, or affiliates ) so that they can keep renewing the reporting on my credit report, not considering the accounts have been charged off since XXXX. 

Your time and thoughtful consideration are greatly appreciated. 
Thanks, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
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:
I sent a letter to the 3 Credit BureausXXXXXXXX XXXX XXXX to update/correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. I'm including it again. 
XXXX XXXX Balance : {$640.00} ; XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXXXXXX XXXX : {$190.00}

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 2018-08-21
Company: AES/PHEAA
State: MI
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:
I have been working with XXXX XXXX XXXX for a year now. I am trying to apply for the XXXX ( XXXX XXXX XXXX XXXX ). I have been denied for numerous reasons at least XXXX  times in the past year. The reasons I have been denied have been untruthful in my opinion. I have been denied because they have said that certain boxes have not been checked or there were missing signatures - all of which are false because I have the copies of the documents that were either mailed or uploaded. I have called and talked to numerous people about the next steps to take. All of the answers are different and varying. I waited on hold for a manager for over an hour a few months ago to try to finally get some clear direction. I qualify for the XXXX. I have been a XXXX for over XXXX years in qualifying schools. I feel they are trying everything they can to just frustrate me and string me along with these " fake '' problems with my paperwork to just get me to a point where I give up. I have given up a couple times only to come back a couple months later to reapply, submitting sometimes the exact same paperwork as before. In doing this they find a slew of different things that are wrong with it and why I do not qualify for the forgiveness. The paperwork I submit is only good for a certain amount of time. By the time I resubmit the paperwork where they have found an issue that isn't really there - it has been expired and I need to get it filled out again by my HR department at my current XXXX  and the other XXXX XXXX  I worked for before. This takes time and of course it's difficult to get paperwork from a XXXX that you no longer work for - especially XXXX times. I currently have about XXXX different reasons of why I have been denied in my inbox with XXXX XXXX XXXX. All of which are not valid. I have never once been late in XXXX years paying my student loan payment so there are no issues with that. They are also trying to say that the current XXXX  I am employed with does not qualify under this program because my paycheck is signed by my corporate company - however, I actually work and perform my duties in a XXXX XXXX XXXX and am in fact paid strictly out of XXXX XXXX funds. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Experian Information Solutions Inc.
State: TX
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 have dispute a debt with Experian and a collection agency that remains on my credit report. XXXX continues to say that the debt has been validated but I have never seen any documentation. I disputed the debt directly with the agency and they were never able to validate with me directly that this debt belongs to me. I filed a complaint against the agency with CFPB and they advised me that their client was not able to validate and that there was a name discrepancy and that the account would be deleted from my credit. As of today this has yet to happen. If the agency advised me that there is a name discrepancy, how is Experian saying the debt is validated? I uploaded the agencies response to my complaint to Experian that clearly says the account will be deleted and Experian still came back and denied my request saying the debt is validated.

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 2022-12-15
Company: Experian Information Solutions 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:
In XX/XX/XXXX, I satisfied a vehicle lien with XXXX XXXX XXXX XXXX ( XXXX ). On multiple occasions, XXXX stated the account status was updated with all XXXX credit bureaus. XXXX and XXXX show the correct status as {$0.00} BALANCE and PAID/CLOSED. Experian fails to update the status despite several disputes. In XX/XX/XXXX, I received a lien satisfaction letter from XXXX and included this letter in XXXX disputes in XXXX and XXXX. The dispute result dates with report numbers are : XX/XX/XXXX ( Report # XXXX ), XX/XX/XXXX ( Report # XXXX ), XX/XX/XXXX ( Report # XXXX ), XX/XX/XXXX ( Report # XXXX ). There were no updates made and the dispute results are the account " remains. '' Experian defines " remains '' as ; the company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. This is not true. XXXX stated all XXXX bureaus were supplied the updated information. I do not know how to get this account updated with Experian.

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 2015-09-18
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
This complaint is regarding my South West Rapid Rewards card ending in XXXX. In or around XXXX of 2014, I gave XXXX verbal authorization over the phone to charge a down payment of {$100.00} dollars to my credit card for a down payment on a car a friend was purchasing. XXXX XXXX proceeded to charge my card {$1000.00} dollars which i disputed with Chase next billing cycle. Chase issued me a credit and started the investigation. Chase then reversed the credit of {$900.00} and charged me {$900.00} dollars for a payment I never made nor can the vendor show any proof I authorized any charge that I gave them permission to charge my card anymore than {$100.00}. Chase has failed to protect me as their customer and I will also be reporting this to The Consumer Protection Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been contacted on numerous occasions by the company who is trying to collect a debt that is 15 years ol and beyond the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: NJ LENDERS CORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Please take a look at the attachment. At this point NJ Lenders has no record of paying XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  has no record of being paid. 
I am not looking for the document that is title Mortgage and " Stamped Cancelled of Record '' that has no proof of satisfaction, no proof of lien release and no discharge recorded. 

I NEED TO KNOW IF XXXX XXXX XXXX XXXX WAS PAID. 
THE NJ LENDERS DOCUMENT NOTE CONTAINS THE LANGUAGE " IN RETURN FOR A LOAN I RECEIVED I PROMISE TO PAY U.S. {$130000.00} '' PLEASE ANSWER THE QUESTION : ARE YOU SAYING THAT I WAS PAID {$130000.00}? 
I NEVER RECEIVED THE NJ LENDERS CHECK AND WAS NOT PAID THE MONEY. 
1 ) DID NJ LENDERS PAY XXXX XXXX XXXX XXXX? 
2 ) DID NJ LENDERS PAY XXXX XXXX? 
3 ) WAS ANYONE PAID? 
ITS IS VERY IMPORT THAT WE GET THIS MATTER RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to the car dealership and ask that XXXX be the only inquiry when i went back there was multiple inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-12-13
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:
This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING EQUIFAX, XXXX, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation. 

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX XXXX  is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX  according to CFR 1026 regulation Z Billing Error. 
I have asked XXXX XXXX  to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX  has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX XXXX  should delete all account information they share with Equifax, XXXX, XXXX, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX XXXX  has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 


I didnt consent nor benefit from XXXX XXXX. If I received goods or services, please have a senior XXXX certify under penalty and perjury that I received goods or services under this transaction. 

I request this account and all late payments be removed from my Consumer Report, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I receive periodical payments from the department of veterans affairs for travel to and from doctors appointments. I have received over 100 of these payments to my account. On XX/XX/2018 I received one for {$17.00}. On XX/XX/2018 my bank made a withdrawal on my account for {$17.00} without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: NY
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 addition with the fair credit reporting act Has violated my rights. 

Account # XXXX Re Late payment 15 U.S code 1681 section 602 A states I have the right to privacy.

15 U.S code 1681 section 604 section 2 also states a consumer reporting agency can not furnish a Account without Mt written instructions.

15 U.S. code 1666B A creditor may not treat Account under open and consumer credit Late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 identified information on my reports that are a result of identity theft, these items are not related to any transactions completed by me.

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 2021-06-10
Company: CCS Financial Services, Inc.
State: NJ
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:
I sent a fax on XX/XX/2021 and received no response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern : I have sent several letters to Experian/XXXX to validate XXXX XXXX. I advised them at the time of purchase I was incarcerated ( see enclosed ). I also ask XXXX XXXX to validate the said account and have not heard back. 
Each time that I send Experian letter to inquire about this entry on my credit profile, they send the same standard response. THE INFORMATION HAS BEEN VERIFED and that is was a joint account. 
I asked that Experian send me a signed copy that I agreed to this purchase. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) if they can not send me a signed contract or send Verification they must delete the entry.

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 2015-07-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I was asked ( as I was leaving the branch ) to refinance my home loan. The local expert was on the phone and unavailable. They said " We 'll have him call you '' ( which they never did ). I never gave them my name, address, or phone number. Ten days later I got a rejection letter which I threw in the trash. Turns out they had made a hard inquiry which is now a negative factor on my FICO score and they refuse to have it lifted. ( Only the bank can do that. ) They ignore my requests, clear up to the VP in charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

Under, 15 U.S. Code 1681, Section 602A states : I have the right to privacy. Additionally, 15 U.S. Code 1681, Section A ( 2 ) states : a consumer reporting agency can not furnish a account without my written instruction.

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 2015-11-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX 2015. got a call from a law firm saying that I owed XXXX in back debt on a card from Providian bank, that I have never heard of nor ever applied for and they say that they are filling a bank levey to collect, called this number XXXX and the women did n't want to supply any paper work or anything else, in support of this matter? and said it was sent to me several times, which I have never gotten anything. I will not pay for a bogas account, I will fight this, I know these people are scamers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation