BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-21
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I want to reiterate once again some points and authorities of this complaint and UPLOAD ONE MORE RECORDING FROM TODAY FROM MY MOTHER " XXXX more on XXXX XXXX XXXX from Moms voice. '' Please DOCUMENT THIS WITH THE ADDED RECORDING FROM XX/XX/XXXX FROM MY MOTHER. IN ADDITION SHE CALLED THE BANK TO WITHDRAW THIS CLAIM ON XX/XX/2018, AND SAID SHE MADE A MISTAKE AND FORGOT SHE HAD GIVEN ME PERMISSION FOR THIS AND OTHER TRANSACTIONS IN HER BANKING -- AS I HAVE BEEN SAYING ALL ALONG.!! 

My mother has already called XXXX XXXX XXXX, Monday XX/XX/XXXX and withdrew the complaint and said she filed this in error from not remembering. She also states on the recordings she has memory problems as I have been telling you previously. 
XXXX XXXX XXXX said they would get back to her. She was confirmed, recorded and spoke to a supervisor and redrew this complaint and also as you can see on this NEW RECORDING FROM TODAY, XX/XX/2018, SHE FULLY EXPECTS THE FUNDS TO BE TAKEN BACK OUT OF HER ACCOUNT FROM HER ERROR. AND RESTORED TO ITS SOURCE. In this case it would be back to XXXX XXXX XXXX that credited it, they will debit it, and then contact you to release the claim they have with you to recovery funds from a claim, which is now proven to be false, and I was fully authorized for this transaction and others. 
PLEASE FORWARD THIS TAPE. I WILL ATTACH BOTH FROM THE XXXX AND TODAY THE XXXX. 
WE ARE WAITING TO HEAR BACK FROM XXXX XXXX XXXX NOW CONFIRMING THE CLAIM HAS BEEN SHUT DOWN AND WITHDRAWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My bankruptcy info is not accurate, My case # is incorrect and my discharge date, I will like this be removed for inaccuracies.. Thanks

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 2018-06-01
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:
I have notified the different credit agencies and the collection agency that this account do not belong to me. Please review the attached police report. The XXXX - XXXX ( XXXX ) and the unknown collection account on my XXXX  - Acct # XXXX account do not belong to me. Please remove these accounts from my credit file.

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 2021-04-23
Company: WELLS FARGO & COMPANY
State: IL
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 have sent several correspondence and have called Wells Fargo several times and have not received an answer. First letter was dated XX/XX/XXXX and then another letter dated XX/XX/XXXX. I filed a complaint directly over the phone with Wells Fargo today XX/XX/XXXX as well. 

I am asking Wells Fargo to remove my paid account from the 4 credit bureaus XXXX XXXX XXXX XXXXnd XXXX. The Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit reports. 

Wells Fargo please remove account # XXXX from XXXX XXXX 's credit reports as soon as possible.

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 2018-03-15
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
About a year ago my repayment agreement expired ( I was unaware, however it was my fault due to simply not paying attention ). My husband and I both have student loans with XXXX XXXXXXXX XXXX and we were both paying XXXX ( roughly ) a month, so around XXXX on a pay as you earn plan. So we reapplied on line and, with exactly the same financial info, the payments turned into around XXXX EACH a month - not doable. He finally got his worked out to XXXX a month but, using the SAME information, mine jumped to XXXX a month. First off, there is no way our amounts should be this vastly different. Secondly, I have tried NUMEROUS times to resolve this. When I did get through ( impossible to get hold of ), they sent me NEW paperwork ( said it was the right paperwork and what I had before was wrong ), which they then sent a response saying it wasn't time to renew. Then I signed the paperwork saying to recalculate anyways and the payments jumped to XXXX!!!!!!!! I've been trying for 8 months to get my payments doable. I am trying to pay back my loan, but they are only open the hours I am at work and the hold time is at least 20-30 minutes and THEN they transfer you to another department for ANOTHER 20-30 minutes ALL THE TIME!!! I need help ... desperately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: BlueChip Financial
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Oh XX/XX/2018 XXXX XXXX XXXX out of Florida contacted me to tell me that the payment that they received from me was fraudulent and that they will take legal action against me by serving me on my job. The next three communications I had with the company all included them letting me know that they will take legal action against me and sue me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Since our VA XXXX mortgages  were serviced by Carrington Mortgage Services, payment amounts fluctuate month to month. Our auto-pay payments were held 'unapplied ' to our accounts. Meanwhile Carrington charged us fees and report to credit agencies for non payments. Auto-paid payments arrive at Carrington on time every month. When the paid amount does not match their ever-changing new mortgage amount, they hold the money in their account instead of applying to our account. They keep the money, charge us fees for non-payment and report to credit agencies. This is on-going and recurrent affairs to us. We have multiple mortgages with them and other institutions. No other banks conduct business this way. Our experience is not unique. There is a group called 'Carrington Mortgage XXXX ' with hundred of members with same experience. They prey on their customers whom they acquired from other banks such as XXXX. Carrington 's business tactics must be illegal and consumers must be protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Between XX/XX/19 and XX/XX/19, I informed USBank that I was cancelling my current homeowners insurance policy, set to expire on XX/XX/19, and not to disburse any payments to that insurance company. USBank acknowledged my request, and asked for my new policy information, which I sent to them on XX/XX/19. As of XX/XX/19, my new policy information is reflected on my USBank account. 

On XX/XX/19, contrary to my specific instructions ( documented via secure message with the bank ), USBank made a disbursement of {$1000.00} to my old insurance company, and I would like that money back.

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 2018-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
CRA VIOLATION / INACCURATE INFORMATION APPEARED ON MY TRANSUNION CREDIT REPORT SHOWED THE ACCOUNT WERE LATE. TO THE BEST OF MY KNOWLEDGE THE ACCOUNT NEVER LATER.

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 2017-11-17
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: Account information incorrect

Complaint:
I have wrong letters and contacted both XXXX credit and XXXX about the hard inquirys recently put on my credit they have refused to remove th hard inquiries and it was not me none of the hard inquiries was me for auto loans. They told me I need to place a police report the police said that no crime has been committed so Im at a rock and a hard spot. But here has been 28 hard credit pulls for auto loans most of them where done from XXXX. XXXX XXXX to XXXX XXXX XXXX My name is is 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 2018-03-16
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
I have spoke to Chase about this matter following the bankruptcy in XX/XX/XXXX, they said they would start processing it. In XX/XX/XXXX I spoke to them again and was told that my lawyer did not fill out and send the proper forms to make them comply so they were not going to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a 2013 XXXX XXXX XXXX and omg worst mistake of my life i have contacted credit acceptance and XXXX both consumers gave me the run around and said i will be held responsible for payments still even though i was sold a piece of crap

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 2019-05-27
Company: EQUIFAX, 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:
There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2017-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have wrong letters and contacted both XXXX credit and Transunion about the hard inquirys recently put on my credit they have refused to remove th hard inquiries and it was not me none of the hard inquiries was me for auto loans. They told me I need to place a police report the police said that no crime has been committed so Im at a rock and a hard spot. But here has been XXXX hard credit pulls for auto loans most of them where done from XXXX. XXXX XXXX to XXXX XXXX XXXX My name is is 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 2018-09-21
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ever since you sent me the dissolution for my last and only complaint, I have been getting harrassing phone calls. They say I am to appear before a federal governments majester and since I never responded to them I am going to prison.? I looked it up online line the multiple numbers and sure as XXXX others had complained of a scam, its just weird it was directly after dissolution of my complaint. Also now there is a fraud block on my report telling any consumer to call me before any purchase .... Its basically ruining my life, I am a single father trying to make it with a XXXX year old zero help from the mom she is long gone and you've destroyed or whoever put this fraud block on what credit I was rebuilding. My personal info is off by a long shot its seriously ridiculous! There is stuff on my credit which is ten years old when can a man finally get a break? Not to mention i'm in between XXXX working jobs from the season and unemployed ... The i.r.s. charges like 500 dollars a missed payment the state puts leins and distraint warrants out on bogus child support..NO ONE even actually looks at these claims ... The only government or service workers i have found to do a decent job is the XXXX, and some of there workers are like ridiculous to where its overboard. I here of a tax reform all the agencies government and state are reformatting to correct this? I seriously hope my daughter grows in a generation where this is taken care of and government and state officials give a family the chance to XXXX LIVE!!!!! excuse my language i am in an outrage. HENT..VENT ... Please email me back or call leave a message so i can call update my contact information immediately so me and my XXXX year old can have a chance in this wold!!! and please take the fraud alert aff my account!!! ASAP When called i will present my real current info like phone address school history because some of the guesses and XXXX  still on my credit is bogus!!! thank you for your time!! 
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 2019-05-27
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:
There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. 
XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Selene Finance LP
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home in XX/XX/XXXX in XXXX, SC through XXXX XXXX. This is a VA loan, as I am a veteran. They sold our loan to XXXX XXXX XXXX ( which is apparently also known as XXXX XXXX XXXX ), XXXX XXXXXXXX XXXX  then sold our loan, effective XXXX XX/XX/XXXX to XXXX XXXX. We received NO PRIOR NOTICE from XXXX XXXX XXXX   and only discovered this sale of our Mortgage when we contacted XXXX XXXX XXXX on XX/XX/XXXX or XXXX about a modification to the loan and were told we were no longer their customer, but it was now XXXX XXXX. I received a notice and information packet from XXXX XXXX, dated XXXX XX/XX/XXXX, and received this packet on either XXXX or XXXX XX/XX/XXXX. This means that while Selene created the notice in 14 days from assuming the mortgage ( XXXX XX/XX/XXXX ), I was not notified until 21-22 days after they assumed the mortgage from XXXX / XXXX. This is two different mortgage companies and one finance / debt collection agency in under a year. And the second sale / transfer was done without any notice until well after it occurred. 

Today, XXXX XX/XX/XXXX, I received a notice of cancellation from my insurance company stating that my home owners has been cancelled, because neither Selene, nor XXXX / XXXX did not notify my insurance company. Since my mortgage payment includes my taxes and insurance payments, this should be done by them. It was when XXXX sold my mortgage to XXXX / XXXX, but not in the XXXX / XXXX to XXXX sale / transfer. And all of this without my knowledge or consent. As the mortgage holder / consumer, we should have greater rights as to who owns our debt, and under what terms. This is excessive that in less than twelve months I have been through three finance institutions, and the potential for abuse or mistakes compounds with each sale / transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/2018 I submitted a dispute to the major credit reporting agencies ( XXXX, Experian, XXXX ) due to the impact of erroneous accounts being placed on my personal credit profile. Despite providing the required proof of me being a victim of Identity Theft according to these agencies and the congressional act ( FCRA Sec. 605B ) I am still being haunted by these erroneous accounts.

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 2018-04-11
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:
Our payment forXX/XX/XXXXwas not paid in XX/XX/XXXX. However, in XX/XX/XXXX we paid bothXX/XX/XXXXand XX/XX/XXXXpayments together on XX/XX/XXXX in the amount of {$2100.00}, which included all late fees associated with payments being late. Account was completely caught up. XX/XX/XXXX payment due on the XX/XX/XXXX was paid onXX/XX/XXXX( 8 days past due ) andXX/XX/XXXXpayment was due on theXX/XX/XXXXand it was paid onXX/XX/XXXX ( 22 days past due ). Neither of the above mentioned months are past 30 days with the exception ofXX/XX/XXXX. I pulled a credit report with all 3 Reporting Agencies and XXXX XXXX  has reported that No data forXX/XX/XXXX and show us 30 days late forXX/XX/XXXX. I called XXXX to try and fix this and they tell me that they do not show that in their system. I called again and was told the same thing, I took the conversation to XXXX XXXX  chat and was told they do not show our account being reported as late, so I paid to have our reports ( all 3 ) ran again, and again our reports are showing no data for XX/XX/XXXX and late for XX/XX/XXXX for our XXXX XXXX  account. The statements reflect the correct information, but what is being reported to the bureaus is incorrect and reflecting XX/XX/XXXXto be 30 days late. We have been current on our loan since XX/XX/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 2018-03-16
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX. Email them from there website to stop call me at XXXX for a collection that my husband owns them XXXX. I told them on Monday, XX/XX/, that I would pay it on Friday,XX/XX/XXXX. and of course, they contacted me again. the day was not over for them to call me again. I Personally feel that I was being harassed by the company because my husband owning them money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation