BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: NJ
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:
I am sending this complaint because a charge-off and collection account with XXXX XXXX XXXX account number XXXX has hit my credit report when this account is a business account under XXXX XXXX, EIN XXXX. The issue with this is not the ownership or the debt, but the fact that a business debt that was established an paid for by the business who was also issued a Corp Code with the DMV in the State of NJ to register this vehicle, has affected my personal credit report and even though there was exceptional payment history, your company has chosen to destroy my credit rating by inaccurately reporting this account as a charge-off which is a violation of the Fair Credit Reporting Act. I would ask that your company furnish the document and phone records that show you have previously attempted to have me rectify this debt and also provide documentation that substantiates the debt that is being reported. I also received a letter from a XXXX XXXX XXXX XXXX XXXX that is currently being reviewed for any violations of the Fair Debt Collection Practices Act, and if there is, I would be entitled to {$1000.00} per the FDCPA and any statutory damages that I have suffered as a result of this account being reported on his credit report. The account was previously disputed and marked as resolved and accurate. But after I receive documentation of this account that shows inaccuracies, that will also mean we would have violations of the FCRA which would bring other issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX of XXXX XXXX XXXX XXXX NC XXXX, ShellPoint Mortgage, account XXXX last four of SS XXXX On XX/XX/XXXX I received a notice of insurance lapse from ShellPoint ( no insurance lapse happened and I can prove that ). I had my XXXX agent fax proof of insurance. After that I received a second notice and a third notice, I contacted ShellPoint and they found proof of insurance. I thought that had been handled. I requested a pay off in 2nd week of XXXX. I received a XXXX charge for forced insurance, XXXX charge for inspection fee and a XXXX late fee. I was surprised since that had been handled. I found out last night my agent sent proof for XX/XX/XXXX until XX/XX/XXXX. I didn't prove I had insurance for XXXX and XXXX of XXXX. Which I was not contacted for proof of that time period since it was in XXXX and my insurance renewal runs from XXXX to XXXX. The XXXX inspection is fraudulent too, no one came out to my home. I'm always home and I have cameras. If it was a drive by picture why charge so excessively. I highly doubt anyone came out, I'd like to see these " photos ''!!! It's been a nightmare with ShellPoint, I'll make a payment and it does not credit to my account. I've had to email a screen shot of my billpay payment 3 times. Incompetents, lack of training or thievery? If I had made a money order payment and lost my receipts I'd be out of that money. I don't have extra money to make repeat payments! I'm not the only one having problems with ShellPoint Mortgage. Their reviews are 1 star. Please investigated this company!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Tribal Lending Enterprise, Inc.
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have entered into a debt management program and I had let the company know this by leaving a comment here and leaving a message on their " Contact us " form on their website. I also had my previous funds recovered through my bank ( which was completed the week of XX/XX/XXXX ) because they should not have taken funds out after I had entered into a repayment agreement with XXXX XXXX XXXX ( which was done at the end of XX/XX/XXXX of this year ). 

Since then I have been getting phone calls and emails from them and I recently found out via a call checking site ( I do n't answer numbers I do not recognize ) that they are currently being investigated by the CFPB due to unscrupulous business practices. XXXX : XXXX Now I am not sure that I need to pay back what I owe but I wish the company would stop. I wish I had known earlier that this company is under federal investigation because I would not have done business with them if I had been aware of that.

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 2020-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had an account with Bank of America. And in 2019 I had several charges on my account that totaled upwards of {$10000.00} that were not charges that I made. It was to what looks like a wood company. I had the same issue with all of my other credit cards including my other checking account with XXXX. Everyone did an investigation and refunded my money. Bank of America has neglected the fact that I made the fraudulent report in The beginning of XX/XX/2019. I called again in XXXX and again in XXXX. However when I called in XXXX I believe it was XX/XX/XXXX I was told that someone had called and asked if there had been a fraudulent claim and that I had said no. Further investigating this claim another representative found that while it stated that I had said there was no fraudulence, their head in fact been no record of anyone calling me. This means that they did not call me and they claim that I said something, that In fact I never did. I made another claim in 2019 XXXX. When I spoke to another representative again in XXXX I was told that because it was 60 days later after the transactions had already been completed that I would not be able to get a refund. This is not accurate information because I did in fact make the fraudulent claims well before 60 days were up. It is due to Bank of Americas negligence that 60 days past. Since then I have fax them several times that I did not make those charges which was their direction to do so. They still have yet to send me any piece of information, via email or mail. I have not received a single phone call about this issue. I finally spoke to another representative and I have had enough. I did not know that I could make a police report and I am going to. Again all of my other Credit card companies and XXXX where I had my checking account reimbursed me except for Bank of America who has not done an investigation. 

Furthermore I have learned that there are many people like myself that file claims of fraudulent with their accounts either being hacked, ATM cards being stolen, and many other situations were Bank of America will neglect claims, avoid investigations, and dismiss their own customers. I need help a year ago ...

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 2020-05-20
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am behind on my mortgage which I take responsibility for. I have been trying to work with PHH Mortgage to get a loan modification. First, when I called the " relationship manager '' I was assigned in the papers that they sent to me, she told me she was not my manager and shuffled me off to someone else. I think I have had at least 4-5 relationship managers since starting the modification process. One only had one appointment available to talk and nothing else. They gave me a high modification payment that was based off my income plus child support. My ex husband does not pay his child support regularly and I tried to discuss that with them ( at that time he was three months behind ). I asked several times to talk with a manager and always received and excuse ( they were busy, all in meetings together, would call me back ), and never received a call back from one. I paid my XXXX modification payment in full. XXXX was when Covid hit Nevada. I was {$300.00} short for my XXXX payment due to missing a few days of work due to boss not having work for me and another day or 2 due to my elderly grandmother quarantining and not being able to watch my girls as usual. I wrote them a letter with my payment explaining as well as filling out their form online for Covid help. I paid XXXX XXXX   payment plus the {$300.00} from XXXX. I received an email last week stating I did not qualify for Covid relief and then this week I received papers stating the reversed my modification back to a {$1600.00} a month payment. I am a single mother that works and XXXX XXXX XXXX. I want to keep my house and am asking for them to work with me, which they do not want to do. I did some research and they have had a class action lawsuit filed against them for dual-tracking which I believe is what they are trying to do to me as I have around {$35000.00} of equity in my home. I called the XXXX XXXX XXXX  and they have an F rating with them and was told to file complaints with several other entities. I just want some help reaching a fair modification for my loan. I would also, like it noted that this was originally an 80/20 loan with the second having over a 10 % adjustable percentage rate and that I paid that loan in cash from my settlement and that should show that I am trying to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a consumer affected by Corona virus pandemic. I've lost my job as a result. My lender is JP Morgan Chase. I contacted Chase to set up a deferral of mortgage payments for 90 days. Chase offered me the deferment. 

After around 60 days, I received a letter from Chase stating that my loan was sold to a third party provider, XXXX XXXX XXXX XXXX XXXX ( XXXX ), and that my mortgage payment will be due to XXXX starting XX/XX/2020. The letter states that, albeit my payment to XXXX is due on XX/XX/2020, XXXX will send me a letter with a new loan number and other " important '' information on XX/XX/2020. 

In addition, now I've received email from Chase stating that my statement balance to Chase due on XX/XX/2020 is in the amount of {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
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 have notified the CRA that XXXX XXXX should be deleted from my credit report. XXXX  has provided inaccurate information but the CRA continues to validate the debt without providing where the information comes from. XXXX XXXX says that I owe them for XXXX XXXX XXXXXXXX XXXX  ; however, that is incorrect and the tradeline should be removed. I've contacted the CRA and they continue to validate incorrect information. The attached file shows that XXXX is providing conflicting information as they are saying the debt is from XXXX XXXX. Therefore, the tradeline should be removed as the CRA continues to say this info is correct and XXXX shows a different account holder.

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 2019-11-07
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a bill from XXXX. I receive a letter from EOS CCA to settle this for {$900.00}. Which I paid to them on XXXX. I am now receiving a bill from EOS CCA for the balance of {$380.00}. This is fraudulent, because there was a promised settlement. And I paid the requested amount to have this removed from my credit report.. this is still on my credit report, I disputed it twice with XXXX  to no resolution. I need this removed, and to stop receiving bills. I also sent to the EOS CCA company the copy of the agreed settlement letter and the payment receipt from my bank account. they have not stopped harassing me, and not removed from credit reports as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Commonwealth Financial Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is my 3rd attempt to get this resolved. The collection is lying about the date of last activity. I have uploaded an old credit report to prove the date of last activity. They are lying about this. Plus this is what the FTC says about collections : Collection accounts stay on the credit report for seven years from the original delinquency date of the original debt, or the date of the first missed payment after which the account was no longer brought current. You may see both the collection account and the account with your original creditor on the credit report. 

I have attached a copy of my credit report from XXXX showing the correct date of last activity ... again. You have no documentation proving anything has been done with this debt other than it being sent to you ... that does not constitute a change. 

This debt will be 7 years old in XXXX, XXXX and what the collection agency is doing is against the Fair Debt Collection Practices Act. If this is not corrected or deleted i will be filing a complaint with the Federal Trade Commission against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, 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 am aware that Transunion had two separate glitches and my inquiries were deleted and then re-added once the glitch was discovered. I am well aware of my legal rights and legal protections and they failed to notify me in writing within 5 days prior to re-adding the inquiries to my credit report. I contacted Transunion in good faith and asked them to delete the inquiries that they illegally re-added. These inquiries add a hardship and I feel like my rights were violated by Transunion.

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 2023-01-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A refund for over {$9000.00} from my university was sent to a chase account that was closed and it was confirmed by my school XXXX has recently these funds. I have contacted chase to return the funds back to me or return the funds back to my university and I have still yet to receive it. I have confirmation and if not returned I will file a lawsuit against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm trying to dispute item # XXXX on my credit report it has been over 126 days and they're saying they won't dispute it. Does the rules not apply to this company? Truthfully verify the information or remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
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: Was not notified of investigation status or results

Complaint:
on XXXX I sent a letter regarding inaccurate and unknown things on maybe credit report to this day over 45 days later I have not received a response yet. I feel like im. being taken advantage of and being ignored of my disputes Section 611 ( a ). its plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into there hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit card in the mail in regards to opening a checking account with Chase bank. I did not and have not attempted to open a bank account with Chase bank. I called customer service with Chase and they were able to tell me that the account was opened on XX/XX/2020 which is why they sent me a debit card for the checking account. I asked the rep if my social security number was used and he said yes, this person had access to my social security number, name, address, date of birth, everything. The bank also told me to come online and file this complaint because it would be a case where my identity has been stolen and someone trying to use my information. Once again, I did not authorize or open an account with Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sun Trust in the forbearance process has incorrectly calculated the principal balance of my loan. I am about to sell my house so I will lose this amount from the proceeds. Sun Trust has increased what was shown as a principal of {$290000.00} to {$290000.00}. They have been unresponsive, and they have been unwilling to fix the problem.

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 2020-12-01
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Disputes sent by ME they dont want to investigate on saying it wasnt submitted by ME. Do they need finger prints as well?

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 2020-11-21
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:
I filed a FTC identity theft report to be sent to Equifax, XXXX, XXXX, I have tried to resolve this with the companies and the credit reporting agencies but they have failed to help me, so Im filing this to have these inquiries that was placed on my credit report as fraud, I want these inquiries taking off my reports, I have included in the FTC Identity theft report all the inquiries that are on my reports, I want these removed, I am unemployed I can not buy a car, I am disputing these inquiries as fraud, but do not add any fraud alert on my credit reports with out my express permission, I am sending a copy of this FTC indentity theft report to all three credit bureaus so they can have and keep this FTC identity theft report if any more show up I was alerted this morning from credit monitoring products from all three credit bureaus that these inquiries have been placed on my credit reports please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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: Information is missing that should be on the report

Complaint:
My credit score took a 67 point decrease and showed a hospital derogatory of around {$15000.00} being the cause. I called the hospital and was told that they did not report to credit agencies and there was a mistake? after days of applying for SBA assistance loans and being declined because of this showing up I went to pull my report where the derogatory was so I could send to the hospital proof that someone had posted it??? 
The derogatory with hospital in the filers name was not there?? this sounds like something crooked going on??? and it seems that all the bureaus hide behind a cost to me to fix their mistake!!! I can not contact any of them to even inquire??? 
can you help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Experian Information Solutions Inc.
State: NY
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:
RE : Report number XXXX I am filing this complaint because Experian has ignored my request to be provided with the documents that their company has on file that was used to verify the accounts I disputed. Being that it has been 60+ days, far beyond the 30 days permissible by law and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have made a request of them to investigate. Please resolve this matter as soon as possible. Thank you.

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