BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-01
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In late XX/XX/XXXX we began a refinance with JP Morgan Chase. We unfroze our credit bureau accounts & the process started out fine then on XX/XX/XXXX we paid {$500.00} which the email from the Home Lending Adviser, XXXX XXXX, said the money was Good Faith Funds of {$500.00} which will be applied as a credit to your closing costs. If your application is closed for incompleteness or is withdrawn by you, this is not refundable. If your application is denied, these funds will be returned to you minus any expenses incurred on your behalf. Your card number will be collected and charged once you have confirmed your intent to proceed. After we received our appraisal in early XXXX l emailed Mr. XXXX on XX/XX/XXXX & XXXX and received no response. I also made multiple phone calls to Mr. XXXX on XX/XX/XXXX, XXXX, XXXX & XXXX. I also left messages for his manager, XXXX XXXX, who also has never returned my calls. I was finally able to reach Mr. XXXX on my XX/XX/XXXX call and was advised they needed to pull our credit and the accounts are frozen as our temporary unfreezes had expired. Mr. XXXX advised once we unfreeze our accounts they will complete their underwriting then I will be contacted by their Client Care Specialist, XXXX. We completed unfreezing our accounts then received notice that our loan was closed or application is no longer active. I attempted call Mr. XXXX & Ms . Sheets, XXXX, XXXX, XXXX, XXXX & XXXX to inquire about what this meant for our loan and received no return calls. The calls to Mr. XXXX were to his cell phone as this was his new number since they were working from home due to Covid-19. I also emailed Mr. XXXX on XX/XX/XXXX with no response. Finally, on emailed XXXX XXXX on XX/XX/XXXX detailing their lack of responsiveness & horrible service and demanded the refund of my {$500.00}. I have received no response to this email at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Experian Information Solutions Inc.
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:
Re : Consumer Complaint Against : EXPERIAN XXXX XXXX  XXXX, XXXX TX XXXX Violations of California Law, Violation of FCRA ( Fair Credit Reporting Act ) and applicable State consumer protection laws. Experian Report # XXXX XX/XX/XXXX Consumer Credit File : XXXX XXXX XXXX XXXX Soc. Sec. xxx-xx-XXXX DOB : XXXX This is a formal complaint to be filed against EXPERIAN credit reporting agency. Please see Report # XXXX dated XX/XX/XXXX ( EXHIBIT 1 ), regarding XXXX XXXX XXXX, Acct # XXXX for {$7600.00}. This incorrect information has been disputed with evidence. It is unlawful for Experian to report information submitted by a credit furnisher if the information has been clearly disputed with contrary information. The information furnished to Experian has been disputed and therefore this account needs to be Deleted from my file consumer file within 30 days of receipt. I have also filed a complaint against XXXX XXXX with the National Credit Union Administration ( NCUA ) Case # XXXX. PROMISSORY NOTE LACKS CONSIDERATION The alleged debt currently being incorrectly furnished and reported in my consumer credit file has many legal issues. Firstly, this alleged debt is not mine. I received no consideration nor proceeds. ( EXHIBIT 2 ), All legally binding enforcable contracts in the State of California require consideration, meaning each party must gain something. Promissory Note Lacking Consideration Is Not Enforceable Terry v. Myers ( October 29, 2012 ) 2012 WL 5307912 (  Unpublished ) California Court of Appeal, Second District, Division 3 Relying on the UCC, the Court of Appeal upheld the trial court 's decision that a promissory note was unenforceable because it lacked consideration. Citing UCC 3-303 ( b ) ( specifically, California Commercial Code Section 3303 ( b ) ) the Court of Appeal held that negotiable instruments, including a promissory note, are subject to the defense of lack of consideration.

Desired Outcome : Delete inaccurate information from consumer credit file 3.  Contract, Account, or Policy # : report # XXXX 4. Order # : account # 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 2021-09-15
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: P.S.C., 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:
I spoke to Puget sound collections on multiple occasions and they said the 5 accounts that are showing XXXX balance and open have been settled and was promised to be removed and will be removed. They said the easiest way is to dispute and it should be removed with no problem being they are already at XXXX balance which means there is nothing owed and settled. I had a total of 11 accounts that reported at XXXX balance from Puget sound collections XXXX removed all and XXXX only removed 6 of the ones I disputed and left 5. I have disputed and requested for removal 5 times thru XXXX XXXX and they still will not remove. Puget sound collections agreed and promised removal so I would like the remaining 5 Puget sound collections accounts that is reporting at XXXX balance and open on XXXX to be removed like promised. 

I also have another account with Puget sound collections for {$76.00} that was paid in full on XX/XX/2019 that needs to be removed because it has been settled. I have called and also disputed thru XXXX customer service and they are rude and no follow up or they say there is nothing I can help you with. Every time I dispute thru XXXX it seems it takes multiple times and longer then it should for them to follow up with me and give status.. XXXX has been amazing and very efficient and quick on disputed and following up

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 2020-05-08
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The account is closed and charged off and needs to be removed from my credit report. 
I am still making payments on the account and I still have possession of the vehicle. Santander Consumer USA is reporting false information that is negatively affecting my credit score tremendously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Requesting information in regards to my VA Senior loan with Wells Fargo. Also wanted to know was my home ever foreclosed on or not prior to the release of Mortgage from Well Fargo? Because there are some discrepancy in regards to my past VA home mortgage loan with Wells Fargo in regards to past started foreclosure proceeding that were dismissed, as well a Deceptive practices and fraudulent activity. I have also requested copies of my entire past bill itemized payment history but have yet to receive it from Wells Fargo which was over 7 months ago now. I also wanted to know was the taxes on the home paid for by wells Fargo until XX/XX/2018 upon the congratulation letter and release of mortgage to me? Was the home foreclosed on prior to the release of Mortgage recorded on XX/XX/2018 being that all the parties were a part of the foreclosure lawsuit case number XXXX XXXX County Illinois Chancery court? The foreclosure lawsuit case number XXXX case was dismissed by Wells Fargo, and then I was given a release of mortgage stating that I was the owner of the home by Well Fargo attorneys as well? Wells Fargo attorneys stated I saved my home and I have evidence of that. Im requesting some answers. Please review the documents and exhibits submitted with this complaint. This is only 25 % of deceptive practices evidence that's submitted in this complaint.

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 2019-09-27
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:
I spoke to XXXX XXXX XXXX on multiple occasions and they said the 5 accounts that are showing XXXX balance and open have been settled and was promised to be removed and will be removed. They said the easiest way is to dispute and it should be removed with no problem being they are already at XXXX balance which means there is nothing owed and settled. I had a total of 11 accounts that reported at XXXX balance from XXXX XXXX XXXX XXXX removed all and TransUnion only removed 6 of the ones I disputed and left 5. I have disputed and requested for removal 5 times thru trans Union and they still will not remove. XXXX XXXX XXXX agreed and promised removal so I would like the remaining 5 XXXX XXXX XXXX accounts that is reporting at XXXX balance and open on TransUnion to be removed like promised. 

I also have another account with XXXX XXXX XXXX for {$76.00} that was paid in full on XX/XX/2019 that needs to be removed because it has been settled. I have called and also disputed thru TransUnion customer service and they are rude and no follow up or they say there is nothing I can help you with. Every time I dispute thru TransUnion it seems it takes multiple times and longer then it should for them to follow up with me and give status.. XXXX has been amazing and very efficient and quick on disputed and following up

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 2017-11-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I contacted USSA credit card customer service on XXXX XXXX, 2017 about a filing a dispute on my card. The person i spoke with told me that he would file the dispute and asked me several questions about the complaint. I answered all his question and asked if i needed to submit anything since i had several merchant write letters where the previous merchant did not do the work correctly when they installed my floors. He said he did not need anything but if he did he would send me a letter. He even issued me a finance charge credit to my account the very next day. When i called to ask what that was they stated it was due to the recent dispute i filed. To this day i have not receive any letter about a dispute. After a few weeks i called and the rep told me she did see the rep and i asked how long would they give the merchant to respond. She stated they give them 45 days and we are about 3 weeks into that process. I called again when we were about a few days until day 45 and again the person I spoke with told me that they saw the dispute and that in a few days i should have a credit because they could see my dispute and that the merchant had not replied to my dispute. i was feeling good as I had hired the next company to fix the floor. i was really hoping when i got the credit that I would be able to pay the new merchant. After giving them over the 45 days i decided to call since i had not heard anything. I got a customer service rep and they ended transferring me to their dispute are. The worst part is that the dispute rep said no dispute was ever filed and that i had to start all over again. I was very upset and i feel that REG Z, a federal law, was violated since they stated to me a dispute was filed and they they gave the merchant enough time. I have waited 45 days, 60 days and now the merchant tells me i have to wait 120 days and i feel that is not right nor fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Received a loan you didn't apply for

Complaint:
I co-signed on a title loan with my nice and began making payments on a {$2500.00} loan. I am an XXXX XXXX veteran he finds himself in the hospital regularly. I took the loan out so that my niece who has my primary caregiver and I could relocate to a different area. I spent the first two and a half months in our new home in and out of the hospital. When things finally settle down I noticed a charge on my bank statement that I was unfamiliar with. It might have gone unnoticed by my niece because she was not familiar with my bank statement nor was she responsible. But automatic deduction for the car payment on my statement and right next to it was another electronic cash check for the same amount and if you were not really paying attention you would just think it was the same charge. you wouldn't realize that it was two separate charges. I immediately contacted my bank and attempted to contact the company that claims that I have a loan. They are check n go I also contacted fast auto loans where I actually did take a loan out so verify that that was not a sister company or parent company and that they were mistakenly double charging me and I was able to verify that they are not affiliated with that company at all. My bank, XXXX XXXX, found it to be fraud. But only reimbursed me 2 payments.I was in and out of the hospital for 12 weeks. My focus was on living. I am on a fixed income and I could really appreciate my money back. They stole it from me. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have been trying to get my credit together before applying for a mortgage and have fought to remove inaccurate information off my report including information claim have been verified by providing me with statements or copies of billing statements. That is NOT sufficient validation. I have disputed online, and through mail. They have not sent me verification of contracts. I am needing proof other than the same automated message : XXXX XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it's going to stay on your credit report. You might notice some changes to your account info though ; it's been updated to reflect recent activity. 


XXXX XXXX XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it's going to stay on your credit report. You might notice some changes to your account info though ; it's been updated to reflect recent activity.

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 2018-03-19
Company: MIDCOUNTRY FINANCIAL CORP
State: AE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Step 1 : What is this complaint about? 
XXXX pulled my credit report without my permission. When I asked why, I was told that the representative was not willing to put the reasons why in writing. 

Step 2 : What type of problem are you having? 
I have never used XXXX services before. I want to know why my credit was pulled, and why is this still an ongoing thing. 

Step 3 : What happened? 
Back in 2011, I tried to purchase a plane ticket for my son, to fly him to where I was stationed in XXXX XXXX, Wa. The military would not book my son a ticket on the same airline because they did not partner with them, so I told XXXX I would not be needing their services. I never used the ticket. I have spoken with them numerous time, but they are still showing up on my credit report as delinquent. I do not owe them anything. 

Step 4 : What company is this complaint about? 
XXXX Services Step 5 : Who are the people involved? 
Just myself and 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 2018-03-19
Company: Experian Information Solutions Inc.
State: TN
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 have been trying to get my credit together before applying for a mortgage and have fought to remove inaccurate information off my report including information claim have been verified by providing me with statements or copies of billing statements. That is NOT sufficient validation. I have disputed online, and through mail. They have not sent me verification of contracts. I am needing proof other than the same automated message : XXXX XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it's going to stay on your credit report. You might notice some changes to your account info though ; it's been updated to reflect recent activity. 


XXXX XXXX XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it's going to stay on your credit report. You might notice some changes to your account info though ; it's been updated to reflect recent activity.

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 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
All accounts are medical bills that should not be on my credit report. They sold my accounts to a 3rd Party which is illegal and violation of HIPPA.

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 2018-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was affected by Hurricane Irma, forced to evacuate the area XXXX XXXX XXXX XXXX XXXX FL where I lived and my home was not livable afterwards. Fema paid for a month of hotel stays but I had no options besides moving to TN on XX/XX/XXXX with family because the repairs and damages were just too much. I had XXXX credit card accounts with Capital one. My last payment on account ending in XXXX was for XXXX on XX/XX/XXXX prior to the hurricane. The account ending in XXXX was also paid the same day in the amount of XXXX. We evacuated XX/XX/XXXX. Not having enough resources to rebuild, I had to leave my residence and moved to TN to start all over. I called Capital one in XXXX once I was mentally stable enough and situated in TN. The refused to give me a break on the XXXX late fees that occured on both accounts ( XXXX late fees adding up to XXXX all together ) The only option they would give me would be for me to make half the payment ( on each ) and then agree to another payment XXXX or XXXX weeks later! They dont offer account protection services, otherwise I wouldve enrolled to protect myself like I did with my other credit companies. When I lost my job due to company shut down XX/XX/XXXX they didn't give me ANY options at that time either so I ended up making payments to them with the little income of XXXX a month from Unemployment! Try living off that as a single mother with XXXX kids until I was able to find employment and still continue to pay Capital One 's Tough Army! Now of course after experiencing a tremendous loss from the hurricane, my XXXX kids and I having to stay in Fema approved hotels for a month and then having no choice but to leave my home state and depend on family to help me until I got back on my feet, undoubtedably, it took a couple months to start recieving sufficient income to get caught up on things. I have called different times hoping to get a different result from a different person and they would never offer me anything other than a payment plan that was unfeasible to get caught up. And if it took a month or 2 to get caught up, they still would add the late fees each and every month which would make it impossible to get caught up! These accounts prior to the natural distaster were at their limit.-one for {$1400.00} which is reporting on their website as totalling out to XXXX at this point!! And the other limit of XXXX reporting at XXXX! Despite being informed of my situation they continued to call and call my phone until I could no longer afford my phone bill and they had no way of contacting me. Thats how destitute I was after this misfortune happened!!!

Company response to consumer: Closed with explanation