BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-25
Company: EQUIFAX, 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:
I have spent 3 months trying to dispute inaccurate information with Equifax. I've done online disputes, I've mailed several letters and I've had several telephone conversations. The fraudulently information that they are reporting has been removed from every other bureau but Equifax. The information that they are reporting is from a company that DOES NOT EXIST! 

The only solution Equifax offered is writing NOTES on my profile which is still preventing me from securing housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10
Company: JPMORGAN CHASE & CO.
State: HI
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XX/XX/XXXX I submitted a dispute with JP Morgan Chase regarding a credit card I had open with them. From XX/XX/XXXX through XX/XX/XXXX over {$14000.00} in charges were made on my account for XXXX Purchases that I did not make or authorize. I attempted to handle the issue through XXXX and XXXX before submitting my dispute through Chase. I followed all the requirements of the Fair Credit Billing Act in that I submitted a written request detailing the fraudulent charges. Although some charges were made outside of the 60 day window I did not become aware of them until XX/XX/XXXX. Initially Chase removed the charges from the account, but then they were added back on. The first written communication I received from Chase regarding this was sent on XX/XX/XXXX stating my fraud review was completed and the charges were found to be valid. I protested and received another notice stating this again on XX/XX/XXXX. Prior to this no other written communication was made or received by me from Chase. I believe this is a direct violation of the FCBA and in accordance with that act I should not be held liable for these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: American First Finance, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
American first finance took out XXXX from one bank account of mine with permission on XX/XX/2019 then same date took out XXXX without permission from my XXXX  XXXX XXXX account Ive called multiple times on XX/XX/2019 and everyday until XX/XX/2019 spoke to managers and supervisors all assuring me that the XXXX $ unauthorized payment would be placed back in Monday XX/XX/2019 and XX/XX/2019 which never happened I never authorized direct take out Please help me as this happens to a lot of the customers of American first finance and nothing is ever done Ive reported them to the better business bureau and wrote the corporate office with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Despite multiple requests, PHH has failed to provide the contact information for the investor of our loan. PHH has violated RESPA and continues to provide conflicting information around our request for assistance. We have been going through this process for almost two years. No one is hearing our side of the story.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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 status incorrect

Complaint:
On my credit reports there is wrong information reporting on it. XXXX XXXX  account have been closed and is not longer on my report. Also with XXXX, XXXX, and transunion, there are accounts reporting on my report that are incorrect and are violating the fair credit reporting act. There are unauthorized inquiries reporting. 

On XXXX  report XXXX XXXX is a fraudulent account it was not opened by me. 
XXXX XXXX  account is closed. 
Also the {$64.00} balance don't have no information and is not completed properly. These accounts need to be removed immediately. 
{$720.00} balance don't have the correct information and the information isn't completed. Their is no credit information listed. ( violation of the fair credit report ) XXXX XXXX Ohio is a fraudulent account I never opened that account. 

XX/XX/XXXX inquiry : XXXX XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX XXXX   XXXX. 
XX/XX/XXXX XXXX/XXXX  inquiry was not authorized by me. I never applied for credit with XXXX/XXXX. 
XXXX XXXX, XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX. 

XXXX  XXXX XXXX  account is closed. 
XXXX XXXX is a fraudulent account. i t was never opened by me. 
XXXX XXXX XXXX XXXX inquiry needs to be removed. I did not approve this inquiry. 

Transunion report needs to be updated. 

All addresses needs to be updated. 
Only current address is XXXX XXXX XXXX XXXX, Ohio XXXX All old names but XXXX XXXX needs to be updated. 
All statements and fraudulent alerts and security alerts needs to be removed immediately.

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 2019-08-13
Company: National Management Recovery Corp. (NMRC)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A couple of months ago late XX/XX/2019 while at work I recieved a very threatening phone call from someone named XXXX who said he was representing a law firm and if I didnt pay him a couple of thousand dollars today that he already had agents outside my home to get me. I was alarmed and tried to find out what was going on. He informed me i owed a debt to XXXX XXXX XXXX. I called XXXX XXXX XXXX immediately and was informed a debt collection agency had taken over. I called them imediatly and worked out a payment plan. Ive made two payments so far. Ive tried to contact them to tell them debit card I was using to pay was closed dou to fraud and have had no calls returned by them. Finally today XX/XX/2019 i recieve a threatening very aggressive call from XXXX again playing the same routine! After explaining that i tried calling them multiple times he informed me that I now owe even more debt then the payment plan I had agreeed to with another staff member. He was rude, threatening and aggressive and belittled me and eventually hung up. Im concerned our original deals terms will keep changing and they have not given me any paperwork. Im concerned before I pay anymore money that these people honor what we agreed upon. Also when I asked to speak to who I had made deal with I was told hes on vacation. Please help this XXXX guy has been scary to deal with

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Lending Club Corp
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I filed a complaint with the CFPB on XX/XX/XXXX alleging that my loan was mistakenly charged off for failing to make a hardship payment. This was the Complaint of XXXX XXXX, CFPB Complaint No. : XXXX. 
Lending Club responded to me on XX/XX/XXXX stating that they they had mistakenly charged off the loan, but stated that they would change how they reported it to the credit bureaus. However, now that the loan was charged off, I could no longer make automatic payments, I had to call to arrange payments. Thereafter, I called repeatedly to try to make payments and those payments often were not credited properly and promptly as they should have been. For my XX/XX/XXXX I received a notice that my one time electronic payment of {$150.00} " will be applied '' to my account on XX/XX/XXXX according to the arrangements I made on the phone, but then no payment was taken out of my Bank Account. In XXXX they demanded that I pay two months because I hadn't paid XXXX, and took out {$300.00} on XX/XX/XXXX without my authorization or permission. In XXXX, the same thing happened. I called and made a payment for XXXX with a Lending Club customer service person and then I got an email from Lending Club falsely stating that I had authorized a payment for {$200.00} twhen I never authorized that amount. Lending Club told me that someone would get back to me because they had gotten the amount incorrect. My bill said I owed {$200.00} for XX/XX/XXXX when I only am supposed to pay $ XXXX/month. No one has gotten back to me after three times I called and spent an hour on the phone. I can not make payments because they keep XXXX up after they charged my account off. They need to fix this problem once and for all. I want my account not to be charged off, but current, and I want to be able to process my payments on line just like any other account that is current and I want to have my bill paid when I make a payment. I do not want them each month saying I didn't make a payment when i did. Lending Club has the worst customer service. This has been going on now for months. It must stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08
Company: TFS FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Re : Third Federal Savings & Loan Association of Cleveland ( " Third Federal '' ) Address : XXXX XXXX XXXX XXXX, OH XXXX Re : XXXX County, Florida Mortgage Instrument # XXXX Book # XXXX Page # XXXX Filing Date : XXXX XX/XX/2019 Re : XXXX County, Florida Special Warranty Deed Instrument # XXXX Book # XXXX Page # XXXX. Grantor conveys to Grantee property on page 1 of the attached deed that does not match the property described on p 3 of the deed that it has the right to convey. The legal description on page 1 of the attached Special Warranty does not match the legal description on the authorization document on page 3. 

The response letter by Third Federal Savings and Loan to Complaint # XXXX is defective. It is not dated and bears no signature. This response letter reads as follows and is also attached as an exhibit to this complaint. 

We are advising the CFPB and all applicable regulatory agencies of a mortgage on a property Grantor had no right to convey. As such we are requesting that the CFPB, the OCC and all applicable regulatory agencies take immediate action and direct Third Federal to amend the mortgage so the grantor 's legal description of the property is correctly reflected on the mortgage and note documents. SEE PAGE 1 and PAGE 3 of the attached warranty deed for a comparison of the legal descriptions. 

Thank you for your immediate assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The response letter from Third Federal hereto attached as an exhibit reads as follows : IT BEARS NO DATE AND NO SIGNATURE BY XXXX XXXX. 

CFPB Office of the Comptroller of the Currency RE : Case Number XXXX Consumer : XXXX XXXX To whom it may concern : Third Federal is in receipt of the above reference case and has reviewed her statements and our records. Please find our response below : XXXX XXXX is not a current customer of Third Federal Saving and Loan therefore there are no documents in need of any corrections. The documents she provided belong to another customer of ours. 
XXXX XXXX Closing Manger

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: AMERICAN EXPRESS COMPANY
State: UT
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:
The three dates are duplicates on my XXXX credit report. American Express has pulled my credit three times ( six times with duplicates ) on XX/XX/2020, XX/XX/2020, & on XX/XX/2020 soft inquiries. I have no American Express accounts, including no third parties associated with American Express. I called their XXXX and I keep getting transferred and the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls from morning to night I made a payment and told them I will make another before months end plus XXXX is too high they need to have it lowered. Its a furniture bill and some of it was delivered damaged and after servers call to report the damages they have not come to replace the table or old rug they gave me. I have spoken to several people but noone has called for the problem to be resolved from delivery. As for as the payment I pay XXXX at first part of month and the balance at months end and they as if I paid nothing. That is considered harassment on a customer. They call at least ten times a day this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13
Company: EQUIFAX, INC.
State: AL
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 called Equifax several times. They will not update the information provided, Equifax keeping saying information is valid. I have mailed several letter in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am a victim of identity theft and I am trying to get inaccurate information removed from my credit report. I have tried multiple times with no luck getting the issue resolved.

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 2020-05-18
Company: Experian Information Solutions Inc.
State: IN
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 had an auto loan open in ~XXXX at XXXX  XXXX XXXX ( previously XXXX  XXXX XXXX XXXX ) in XXXX , Indiana that was paid off ( the vehicle was a " total '' after an accident ). The auto loan showed up on Experian as " closed '' but still showed on my credit report. 

Now, when I've checked my credit report online, it's disappeared. I have disputed this with Experian and they've quickly returned the report as updated and complete. Despite the dispute I submitted, there has been no change, on any of the credit reporting companies ' websites, online ( from what I can see ). 

The dispute I made was on ~XXXX and XXXX of XXXX ( this year ) according to my emails ) I " opened '' the dispute again on the XXXX because the closed auto loan still didn't appear on my Experian report ).

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 2020-02-10
Company: I.C. System, 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: Account information incorrect

Complaint:
IC System is showing as " Open '' Account dating XX/XX/2017. I never opened any account either with IC System or " XXXX XXXX XXXX '' ( who is listed as the original creditor ) in that time.

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 2017-12-22
Company: Ditech Financial LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced with Ditech to make my mortgage affordable. My payment was reduced to about {$1100.00} a month on or about XX/XX/XXXX. Shortly after I was notified that I had an Escrow surplus due to insurance or taxes in the amount of {$1200.00} or so and subsequently a check was mailed to me. To be sure I would not have to repay at a later date due to a mistake on the part of Ditech, I called and was 100 % assured that there was no mistake and that I would not have to be concerned with repayment at a later date due to any mistakes, etc.

In XX/XX/XXXX, without a notice, my escrow and subsequently my mortgage payment increased to {$1200.00}, about {$120.00} a month increase. I tried to rectify this with Ditech, citing it as a bank error. Ditech 's reply was that they are bound by law to send an escrow surplus to the borrower and that I just have to pay it back over a 12 month period.

1. I was not notified of the increase. Auto draft just appeared in my bank account.

2. I have paid the amount of {$1200.00} in protest and have discussed it with Ditech.

3. Ditech will not absorb the amount in light of this situation My question is can a mortgage company do this? Because it is a hardship to pay {$120.00} additional/month I have requested that the amount, after paying 2 months thus far in the amount of {$1200.00}, that the remaining amount be stretched out into 36 payments to make it affordable. That has not been decided yet, but will be in 3 to 5 business days from now, XX/XX/XXXX. I am asking for this payment arrangement, but I still want to know if I have a legal leg to stand on. At the very least Ditech should be bound to explaining this when handing out a surplus check so that the borrower has the option to put the check aside while waiting to see if it actually a surplus. And second, at the very least Ditech should have the common decentcy to notify a borrower when they are increasing a mortgage payment {$120.00} a month. They did not. If the lending laws are on the side of Ditech, it is a shame. I did everything in good faith, including calling them to make sure the escrow surplus check was mine to keep, and was assured it was. I consider this a bank error. But I am not familiar with such laws governing this situation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-21
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This account was opened fraudulent. I reported to police department and I sent a copy of the report to all credit agencies. The account was removed and I received a letter indicating it didn't belong to me and I was not responsible. The account was placed back on 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 2019-08-06
Company: JPMORGAN CHASE & CO.
State: MI
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:
Chase credit card was opened by XXXX XXXX ex married family has me stuck in unknown debt i dont know what to do over this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submitted a certified letter to I C SYSTEMS request verification of a collection they place on all three of my credit reports and received no response. It has been 45 days.

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 2021-10-06
Company: EQUIFAX, INC.
State: MT
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IC SYSTEM INC at has been sending me collection notices in the amount of XXXX The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. 
this company does not have a contact with my signature.

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 2020-05-18
Company: Credit Control, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A few years ago when the XXXX  breach occurred, I checked my free credit reports for all 3 bureaus and noticed a XXXX  account was opened fraudulently on XX/XX/XXXX, I disputed this account with XXXX directly and it was closed by them on XX/XX/XXXX. On Thursday XX/XX/XXXX ( 4 years later ) I received a collection letter from XXXX XXXX, collection supervisor @ Credit Control. Today, XX/XX/XXXX, I sent an email to XXXX ( email on the letter ) disputing the validity of the debt. I have also sent a copy via mail to this office, the CFPB, XXXX, FTC & Massachusetts AG office. 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