BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: The CMI Group, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by phone and requested the details on the debt in question and informed the representative that this bill was paid. She refused to give me any information other than the amount I owed to the university of Minnesota. I informed her I needed more information such as a copy of the bill, the account number, date of service, but she said she doesnt have access to that information. The payment was completed and they filed the inaccurate debt afterwards.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
the company is receivables performance. they obviously bought the loan from XXXX XXXX. the company calls me telling me that i will have to go to court if i do not make payments on the charged off XXXX XXXX  loan.

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 2021-01-28
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE Opened XX/XX/2012 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB - CARD SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Overcharge of escrow plus tax penalty on escrow which lender did not pay escrow, Causing the penalty. 
Lender 1098 form for XXXX BOTTOM Of form lender shows escrow negative XXXX which was transferred to new servicer XXXX XXXX form clearly shows. 

This overcharge of escrow and tax penalty Was included in our XXXX modification which has accrued interest on for over 11 years on {$3800.00}. 

The endless deception, and responses by lender show nothing but predatory lending

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Company rep contacted me at work. We are unable to accept personal calls and even after being told so, she continued to harass staff and insisted on leaving her name and contact number. 
Her name is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 do not believe this loan belongs to me. My identity has been stolen and this information must be removed 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 2021-01-28
Company: Home Loan Center, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Lendingtree is using deceptive practices to pull your credit information and give to 3rd Party vendors without you being aware. Their website is setup in a way where the consumer answers very generic questions about your home, then they ask for your name and DOB. Buried deep within disclaimers they claim the consumer electronically signs and gives consent for them to match the information you give to pull credit report information and your SSN to give to 3rd Party vendors. There is no way a consumer has any indication they will use this information to pull your social and its purposely designed this way. They also claim you give up all your rights with your electronic signature. There is no where during the process that explicitly states you are electronically signing anything. This needs to be stopped and not allow them to hide behind hidden disclaimers hidden deep within their website which says you agree if you browse their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. 

I have late payments for multiple months on my XXXX, XXXX, and XXXX  accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with Victoria Secret, however, if this situation isnt rectified, then I will be forced to close my account and pay it off. 

Please assist me with updating my account so that it may include on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: AFNI 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: Information belongs to someone else

Complaint:
Afni has put a XXXX collections account on my report that isnt mine and has previously been removed and is.nOw back on

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Recently, I've been unable to obtain my free credit report from TransUnion. Contacting Transunion has proven unhelpful. 

1- When using XXXX to obtain my credit reports, I receive an error stating that TransUnion is unable to authenticate my information and to contact them via phone or mail. I am able to see my reports from the other agencies. I used to be able to see my report from Transunion, but that stopped working last year. 

2- Transunion sent me a written report via US mail, but I want to be able to view my report online. I have sent ( multiple times now ) copies of my drivers license and bills, and other information they request, they only send another written report via US mail. 

3- I tried complaining on their XXXX  page and a representative said my file needed maintenance. This was performed 3 times, but does not resolve the problem. 

4- Calls to transunion blame problems at XXXX, they also say they have computer problems and to try again in a few weeks. None of this is true. 
Case number XXXX XXXX A recent breach at my lawyers office entitled me to a free credit report service from TransUnion called XXXX. My wife had no issue enrolling, but I received the same " cant verify my identity '' type of messages. After numerous days of working with them and sending documentation, I was finally able to logon directly with Transunion, but I still can't access my transunion files outside of their paid portal, XXXX. Clearly something is wrong with my file, and they will not fix it. Case number : XXXX I am entitled to online access to my transunion credit report online, and and I am unable to do so. Transunion is unwilling to help me resolve the problem via us mail, phone or through XXXX support.

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 2018-03-29
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received a late fee notice dated XX/XX/XXXX. Ditech Financial changed our payment amount but did not inform us. On XX/XX/XXXX I called to ask them to waive the late fee. I spoke with XXXX at XXXX and he was unable to remove the late fee. I also spoke with his supervisor, XXXX, and she was also not able to remove the late fee. 

I am asking for a refund of the late fee off {$56.00}. 

I'd also encourage you to investigate Ditech 's billing practices. This is the second time this has happened to us in a year and it appears Ditech may be failing to send new payment notices or sending them disguised as frequently disposed of marketing collateral in the hopes of increasing revenue through late fees. We have gotten the late fee notices both times but not the payment due notice either time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a conventional loan that I have always been on time with and not had an escrow account. My home insurance provider is no longer covering home insurance and I missed the notice and had a very small lapse in home owner 's insurance. Freedom Mortgage asked for my proof of insurance, which I provided with my new policy for the next year. They said since there was a small lapse they would go back and add in force hazard insurance for the back dates. This was from XXXX the dates of lapse. I tried to call a few times but was told I had to pay their fee of {$100.00} for the backdated insurance so I did. I saw my online statement with a change to my payment amount. I pay XXXX and my new payment is {$1600.00}. I spoke to Talked to XXXX on XX/XX/XXXX and got payment done of {$100.00} for the in force. She said she didn't know why they had put escrow on the account but that she would get it fixed and going forward since I paid the in force escrow my old payment would resume. 
She told me she was making a task for this to go into the funds due to the escrow for the lapse in insurance and by XX/XX/XXXX will be taken care of. XXXX, who was very nice and helpful and assured me it would be taken care of, from Freedom Mortgage also told me the escrow account change taken off with the completion date of XX/XX/XXXX. I called again today XX/XX/XXXX because my account still showed {$1600.00} instead of the {$1400.00} I always pay. The lady I spoke with today said there was a note on the account that since I had a lapse of insurance it was now mandatory that I pay the higher payment and had to now escrow my mortgage for hazard insurance. I explained to her my funds are tight, especially with the current situation and that I have already just paid for another year of hazard insurance, I do not want to also pay an inflated escrow account. She said that was the rule, nothing she can do. I asked if she could please let me talk to a manager as I am never late, and this was such a small lapse already taken care of and she kept me on hold for a while and said no managers were available to speak. I never got anything even stating that I now had a higher payment or would be forced into escrow. When I had called before they said once I paid the in force amount, which I did, they would make sure to have my account changed back before my next payment was due.

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 2017-08-11
Company: Experian Information Solutions Inc.
State: NC
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 a rental debt on all 3 reports. XXXX recently removed the debt XX/XX/XXXX because it has been 7 years however XXXX states the date for their removal is XX/XX/XXXX and Experian stated the date for their removal is XX/XX/XXXX. I am very confused if there is only one original delinquency date as reported by the creditor, why does the 3 bureaus report different dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I received a phone call from a Chase Bank branch in California saying that it looked like my bank account had been compromised. I called Chase Fraud to see what was going on. When I looked at my bank account all of my money was gone, It was over {$10000.00}. I am located in Michigan and someone in California was writing withdraw slips and taking around {$1000.00} at a time. They started stealing the money on XX/XX/XXXX. The first person I talked to at Chase fraud said he made the claim. When I called back one week  later I found out that I needed to fill out a fraud packet. I worked with someone from Chase on the phone for 3 hours who helped me fill out fraud packet exactly correct. The banker told me to go into Chase bank and have them fax the packet and then wait 10 business days. I waited the 10 business days and didn't hear anything. I called back and found out they didn't receive my fraud packet. I spoke with a manager who  had me email her the fraud packet. I waited on the phone for her to receive it. She said she received it and would expedite everything and I would have an answer in 3 days. Chase froze and closed my account so she said I would get a check mailed in the mail and would receive it in 15 days. I called back to find out the results and the banker told me that they approved the claim and I will be receiving a check. I waited over 15 days and called back because I did not receive a check. When I called back they said they are still investigating and I need to wait 60-90 days. Every single time I call they tell me something different. Every single time I call it takes over an hour to talk to someone. Almost every single time I call I get disconnected and have to start the whole process over because they are not able to call me back. I have no idea where my money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried to dispute an item on my report with XXXX and they will not delete or make appropriate corrections to the report. The account is closed and part of a CH XXXX this is an unsecured debt and they are subject to an automatic stay which means they are not supposed to be making changes to the account on my report after file date. My CH XXXX has been in effect since 2019 and they have since changed the account to an open status and have been reporting late payments across all 3 bureaus. This violates the FCRA and my automatic stay. I want this account deleted from my report or I will be seeking assistance from an attorney and punitive damages for defamation. 
I have requested my personal statement be deleted from my XXXX   report multiple times and everytime I review it over the last few months it is still showing on my 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 non-monetary relief
Consumer complaint received 2020-05-13
Company: Jacob Law Group, PLLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I got sick in XXXX, since then I've had XXXX XXXX XXXX major, XXXX minor and countless test procedures and Dr Visits which left me XXXX unable to work which left me broke unable to pay my bills, I had two credit cards from XXXX XXXX, when I got them the contract on both stated that if I ever got ill or XXXX that it was a policy that I would not have to pay my credit card debt if I could show proof my illness or XXXX. I called XXXX XXXX and Jacobs law Firm explained this to them after my XXXX XXXX, they told me to send in my proof of illness I did, I sent them a XXXX3 page medical report documenting my XXXX  test procedures and dr visits to two different addresses bc I had two credit cards w them about 6 weeks later XX/XX/XXXX to be exact I got a letter in the mail basically saying all was forgiven ( that im gon na attach and send w this complaint if I can ) checked my credit today and realized im being sued by them and the letter that states all forgiven I received is only for one of the accounts and now they are trying to sue me for the other account and not honor the contract agreement about medical hardship that account # is XXXX I called them today and I called and they were rude we got disconnected or she hung up on me one then I called back and just got elevator music w a msg saying hold times are over two hrs so I hung up start ffilling out this complaint.. You would think w all this covid 19 stuff they would be more coorperative

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I got sick in XXXX, since then I've had XXXX XXXX XXXX major, XXXX minor and countless test procedures and Dr Visits which left me XXXX unable to work which left me broke unable to pay my bills, I had two credit cards from capitol one, when I got them the contract on both stated that if I ever got ill or XXXX that it was a policy that I would not have to pay my credit card debt if I could show proof my illness or XXXX. I called capitol one and XXXX XXXX explained this to them after my XXXX XXXX, they told me to send in my proof of illness I did, I sent them a 53 page medical report documenting my XXXX test procedures and dr visits to two different addresses bc I had two credit cards w them about 6 weeks later XX/XX/XXXX to be exact I got a letter in the mail basically saying all was forgiven ( that im gon na attach and send w this complaint if I can ) checked my credit today and realized im being sued by them and the letter that states all forgiven I received is only for one of the accounts and now they are trying to sue me for the other account and not honor the contract agreement about medical hardship that account # is XXXX I called them today and I called and they were rude we got disconnected or she hung up on me one then I called back and just got elevator music w a msg saying hold times are over two hrs so I hung up start ffilling out this complaint.. You would think w all this covid 19 stuff they would be more coorperative

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My identity was stolen several years ago. Police report completed and sent to all Credit Reporting agencies to freeze my credit inquiries. The three have done so. 

When I need to lift a credit freeze TEMPORARILY, I could do this on line at my convenience. Unfortunately Experian requires my call to them to lift the freeze. 

The challenge is that I can not get through their telephone prompts and automated answers to get to a customer service representative to do so. The prompts leave me in a closed loop with no way to get to a person. 

Please help. This is hurting me and my financial 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 2021-01-28
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:
Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : 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