BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-20
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX there was a fraudulent debit card transaction on my account for {$140.00}. I notified Chase the day it occurred, XXXX. Chase has refused to reimburse my account in any amount for this fraudulent transaction, in violation of federal law. I reported this to the CFPB previously. Chase responded on XX/XX/XXXX. In their response letter, Chase falsely stated that I used by debit card after it was reported stolen. What actually happened was that I had previously verified with Chase the last valid transaction for {$1.00} was at a gas station ( XXXX XXXX XXXX ) on XXXX before the fraudulent transaction took place, and where I believe the theft of my card occurred. In the same letter, Chase advised me that I had the option to dispute this further. I was instructed to contact the executive office. When I called ( XXXX ), I was referred to someone named XXXX ( ext XXXX ) who was handling my case. I attempted to contact this person 3 times by phone, leaving voicemails with my information each time, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. None of my calls were returned. 

After repeated failed attempts to contact someone in Chase that could provide information on my claim, I again turned to the CFPB for assistance. 

On XX/XX/XXXX I spoke with XXXX in the Chase executive office and XXXX, a supervisor in the claims department. I was asked once again to verify the last valid transaction for card ending XX/XX/XXXX. After I provided this information ( the same information I had provided several times before ) I was told by XXXX that he would reassert the claim and that I would receive a resolution from Chase by email in 3-5 business days. Once again, Chase has lied to me as I have received no further communication as of today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
I have been in contact with Capital One via phone, mail, and email regarding late payments that they have reporting on my 2 open accounts. I have requested that they provide me with more information than " we have researched and found that these late payments are accurate ''. They are reporting 8 late payments in 2017 for one account and 2 for 2017, I have requested documentation showing when the payments were due and when the payments were made, I also asked for the phone call to be reviewed when I made a payment arrangement to bring my balance down, as I was informed that the late reporting would NOT report if I made the payment arrangement and paid it on time ( I completed the payments prior to schedule ). And all I received was a letter indicating that " we have researched and found that these late payments are accurate ''. They have proved absolutely nothing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
For the past four months, I have asked Transunion to report accurate information appearing on my credit report. Transunion is reporting three XXXX XXXX Accounts that contain inaccurate information and do not belong to me. Based on the details provided in my credit report regarding these three accounts, I am of the opinion that these are fraudulant accounts. The balances and other key details are inaccurate and inconsistent with any account that I have had with XXXX XXXX. Despite my requests, Transunion has failed to comply with FCRA requirements. 

I have seven different letters/credit reports from Transunion containing different information and updates. Transunion has refused to investigate the matter again. I have exhausted every measure and now reaching out to the CFPB for assistance.

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 2022-08-12
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$52000.00}

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 explanation
Consumer complaint received 2022-08-08
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:
Dates : XX/XX/2016 amounts : XXXX I reached out to lender that's still reporting information from 7 years ago. I tried reaching out to have account removed from credit file. There's also inquires showing on my credit file that needs to be remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The CFPB has jurisdiction in this matter because it pertains to credit reporting issues committed by Chase Bank, NA in regards to potential identity theft. 

On or around XX/XX/2020, Chase had opened a credit card in my name with the account number XXXX, of {$7600.00}. This account has a XXXX balance, and Chase had closed it 30 days later, on or around XX/XX/2020, and reported " Closed by XXXX XXXX ''. 

To my knowledge, I never opened this account, nor did I benefit from this account. The fact that this account reports " closed by credit Grantor '' is hurting my credit because it implies somehow I am uncreditworthy because a credit grantor would wish to close my account. My previous attempts to resolve this with Chase have been unsuccessful. 

A copy of the erroneous item and an ID theft report is attached. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Dear Sir/Madame : My original mortgage loan with XXXX XXXX XXXX was transferred to a mortgage servicing company called XXXX. 

In 2017, my wife lost her job. At that time, I had made contact with XXXX XXXX XXXX to find out that they sold my mortgage and is now managed by XXXX. Eventually, I was able to make reach an individual with XXXX  and explained my family 's situation. At that time, the only help or abbreviation extended to me was a loan modification/refinance. And because I did not want to have any negative effect on my account, and for my family 's benefit, I accepted the offer and its terms. 

At the initial stages of this process, I had asked if it would have any negative effect on my account and credit, etc. I was told it would not. The loan modification/refinance took many months, and much longer than I would have imagined. However, it did get done and my mortgage payment was a bit smaller. It wasn't anything tremendous but it was helpful nonetheless. 

After it was all said and done, I checked my credit scores as I needed to get financing for my daughter 's college/student loan. Unfortunately, I found that this " process '' had a grave negative effect on my credit. Immediately, I contacted XXXX to question the scenario. To date, I have yet to receive much cooperation. I explained to them that at most, there might be a 30-day late pay but that it was actually their fault because they initiated an auto withdrawal from my bank account without my permission or knowledge. The transaction was not approved because I did not initiate it. And what did XXXX do? They marked the payment as a late pay. Please know that the payment was eventually made per my action/approval. However, it was very frustrating as XXXX had upside-downed my bank account and I had to wait for that to be corrected before I could take care of the payment. And, I was charged fees from my bank and XXXX. 

I would really appreciate some help with this correction as I am desperate to help my daughter with her college tuition. These stains with the three credit bureaus is absolutely having a negative impact for not just me but my entire family. 

Please feel free to call me with any questions, etc. 

Thank you very much for your time and assistance! 

Kind Regards, 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 2021-10-15
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Our attorney has put an offer in writing to Specialized Loan Servicing over 30 days ago, and the company has not responded to our offer. We are trying to refinance our mortgage away from this servicer due to their improper handling of our file. The balance stated that is owed to this company in their response to the CFPB is an incorrect amount and is not what has been stated on the many statements sent monthly to our home address. The balance discrepancy is over {$30000.00} plus. Their accounting methods/practices are suspect, and this is causing huge issues with refinancing when the balance owed is incorrect and forces us into a situation of being legally advised not to give this company any more money because they've committed many RESPA violations on our file.

Please be advised we did not respond in a timely fashion to the complaint which was due last week because we were not advised via email from CFPB that one was due. If an email was sent, we never received one. We've only received one email recently from CFPB, and it was only in our XXXX inbox yesterday advising us that our complaint has been closed out. So whatever is transpiring as to why emails aren't delivered timely is a mystery and more of the same fraud. More of the same with regard to reaching out to CFPB and not getting the help/assistance that is required and then our complaint is closed with no resolution. 

I will address my concerns with how our complaint was handled by CFPB with our attorney who's still awaiting a response to our offer to settle this with SLS. It seems they don't have to abide by RESPA law and your division does nothing about it for years on end and doesn't send our file to the appropriate overseeing authority to stop this fraud and abuse.

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 2021-08-05
Company: Financial Recovery Services, Inc.
State: WA
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:
XXXX PST XX/XX/21 Spoke to a lady who would not respect the aspect of PII. Gave enough information to verify myself to include my name, states of residence ( to match on file ) and the like. I asked for verification of debt and was informed she wouldnt do that without verifying personal information ( which I already did ). Asked to be transferred to a supervisor. 2nd lady did the same thing. Asked for a verification of debt denied asked to be transferred. Spoke to a 3rd individual, male, same issue, and then transferred to a woman named XXXX. XXXX stated she could not proceed with anything unless verifying information. She read off my address and I told her that I have resided in this residence for 2 years almost 3 years now. I again, asked for a verification of debt/business matter in writing and she said okay I am ending this call after. My FDCA rights have been violated for verification of debt in writing. Additionally, nothing is on my credit report with XXXX in any shape/form/way. XX/XX/21 - missed their call at XXXX ( no voice mail left ) XX/XX/21 - same situation occurred at XXXX when asked about myself and was hung up on XX/XX/21 - no voicemail given on their call at XXXX PST XX/XX/21 - no voicemail given on their call at XXXX PST XX/XX/21 - no voicemail given on their call at XXXX PST XX/XX/21 - no voicemail given on their call at XXXX PST If it was " such '' of an important business matter, then a voicemail would be left and these practices of " DENYING '' a written/printed letter of verification without " attempting '' to obtain PII such as social security numbers, DOB and the like ( which can all be used to fraudulently obtain someones identity and the like ). Ex-military, well versed in these laws/regulations and prior experience in this industry as well. Based on the laws, first phone call received XX/XX/21 have 30 days from this date to request. Being XX/XX/21 ( 7 days ), this is within that time frame. Being denied and refused to do so to verify this matter is a violation of said law thus should be removed/denied any adverse affects to me to include my credit report/history. Any future notifications from this is considered harassment and fraudulent and will be documented for a civil lawsuit valued at {$1000.00} + damages for every event that occurs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Exeter Finance Corp.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have filed a dispute and info still has not fallen off. I filed a complaint with the CFPB and finally got a response in XXXX. They responded to the complaint by stating that it would be removed in XXXX. Its still on there. Refer back to complaint XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MY HOME IS FINANCED THROUGH DITECH MORTGAGE, IVE HAD A NUMBER OF PROBLEMS LIKE EVERYONE ELSE, BUT IN XXXX I HAD TO FILE A CHAPTER XXXX, AFTER THEY KEPT HARASSING ME KEPT SAYING I MISSED PAYMENTS, CALLING MY FAMILY MEMBERS IN THE ARMY WHO HAS NOTHING TO DO WITH MY ACCOUNT, EVEN MY AUNT ON MY DADDYS SIDE, SO I HAD TO CALL THE XXXX   ABOUT THIS, SO THEY WERE TOLD NOT TO EVER CONTACT ME UNLESS IT WAS IN WRITING, SO THEY ARE UPSET TRYING TO RETALIATE AGAINST ME, IM HAVING REPAIRS FROM THE STORM DONE ON MY HOME RIGHT NOW, WATER DAMAGE AND ITS POSSIBLE MOLD IN MY HOME, SO I HAD BEEN TRYING TO TALK TO MY INSURANCE COMPANY THE ADJUSTER XXXX XXXX, WITH XXXX   XXXX TO SEND THE MONEY FOR THE REPAIRS, HE KEEPS STATING THEY SENT THE MONEY, I SAID I DONT HAVE IT, SO FINALLY HE SAID CHECK WITH THE MORTGAGE COMPANY, SO ON XX/XX/XXXX I DID I SPOKE WITH A LADY NAME XXXX, WHO THEN TRANSFERRED ME TO THE CLAIMS DEPT, ( XXXX ) I TOLD HIM WHAT THE PROBLEM WAS HE STATED THAT THEY HAD THE CHECK THAT WAS IN QUESTION FOR XXXX, THAT THE ADJUSTER KEPT SAYING THAT HE ALREADY SENT ME, I KEPT TELLING HIM NO I DONT HAVE IT, I HAD THE ROOF DONE, AND THE ROOFING COMPANY WAS GIVEN XXXX FOR THE ROOF AND THE OTHER PART WAS FOR THE REST OF REPAIRS INSIDE, SO WHEN I SPOKE TO XXXX AT DITECH ON XX/XX/XXXX SHE STATED THEY HAVE THE REST WHICH IS XXXX AND THATS BEEN OVER A YEAR, SHE SAID OH WE WERE INTENDING TO SEND IT BUT I DONT KNOW WHY WE DIDNT, BUT YOU WILL HAVE IT IN ABOUT 5 DAYS, SO FAR NO CHECK, I CALLED BACK ON XX/XX/XXXX SPOKE WITH XXXX SHE STATED THEY PUT A STOP PAYMENT ON CHECK, STATED THAT SHE SAW IN COMPUTER THAT THE CHECK HAS BEEN RE PROCESSED AND I SHOULD HAVE IT BY XX/XX/XXXX, NO CHECK AS OF TODAY YET, THE CONTRACTOR HAS COMPLETED THE WORK AND WANTS HIS MONEY, SO EVERYTIME I CALL THIS RUDE LADY NAMED XXXX ANSWERS THE PHONE, HARASSES ME RUDELY, THEY WILL NOT EVER LET YOU SPEAK TO A SUPERVISOR, AND IM SICK OF THESE PEOPLE, IVE PAID INSURANCE ON THIS HOME SINCE XXXX, THIS IS MY FIRST CLAIM, IVE BEEN GIVING THEM ALL MY MONEY OVER 20 YRS NOW, I SHOULDNT HAVE TO DEAL WITH THIS XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, 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 information incorrect

Complaint:
I did a bankruptcy on 2018, the court grant me the case, but one of the creditors has not remove the amount owe, and they send the debt to a collection company. So, this collection debt still on my EQUIFAX credit report. I already contact Equifax, send them a fax, upload the documents online and Equifax has not removed or fix my credit report information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around XXXX of 2018 I disputed a debt that was reporting on my credit files by a collection agency called XXXX XXXX. The debt was fraudulent and was removed XX/XX/2018. 

A new collection agency called Diversified Consultants is now reporting the same debt that I had removed due to fraud. Diversified Consultants is attempting to collect on a debt that was demmed fraudulent. This company is attempting to collect on fraudulent debts that they clearly do NOT own and can not validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am trying to close my Paypal account, which I've had open for several. They refuse to do so. I do NOT owe them a balance. Since I do NOT owe them a balance, I have EVERY right to close my account at any time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01
Company: General Motors Financial Company, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I paid my car payment with GMC Financial for XX/XX/XXXX payment on XX/XX/XXXX. It was the 30th day, but it wasn't past 30 days. I was reported 30 days past due. I also called and made payment arrangements for the XXXX payment and stated that it will be past 30 days and I would pay on XX/XX/XXXX. I did pay today. It is very stressful dealing with anxiety from COVID 19, not being able to receive income from second job to help pay bills and worry about credit reporting 30 days late when my XXXX payment was entered on XX/XX/XXXX, that's the 30th day. How could I be reported 30 days past due. They sent me a letter stating that nothing was reported late, but I am looking at my XXXX credit report online with XXXX and it is showing past due. Also, I thought according to the Care Act,  if I made arrangements with my credit, they could not report me late. GM Financial reported me late for XXXX also. I was not late in XXXX and they told me that I would not be reported late in XXXX. GM Financial have been reporting incorrect information or no information at all since I have had this account. I am also reported late in XXXX and XXXX but I was on an extended payment plan and was told when this became in effect that I would not be shown 30 days late. I have been written letters that have not aligned with my credit report status. Something has to be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Experian Information Solutions Inc.
State: OH
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:
To whom it may concern, I have sent several complaints this is my 3rd time REQUESTING, the unverified accounts listed below still on my credit report in violation of FCRA Federal Law. The FCRA required a copy of the original creditors documentation on record/file for me to verify the alleged accounts are mine and that it is accurate.

I dont have any records of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( my we ink signature paperwork ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.

1.XXXX XXXX XXXX XXXX , 2. 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 non-monetary relief
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I attached a copy of my affidavit from the Federal Trade Commission. Please be advised that this is my third request, and the unverified items remain on my credit report. I have yet to receive a response from the bureaus which is required by law. Since I have not received any documentation, nor a response please delete the items as soon as possible. Failure to do so will result in legal action being taken against your company

Company response to consumer: Closed with explanation