BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I refinanced my home mortgage with XXXX XXXX. 
Initially, they themselves serviced my loan. 
I was notified on XX/XX/XXXX that XXXX XXXX  was transferring loan servicing to Chase Bank. 
XXXX XXXX transferred information about my loan to Chase Bank. 
I was given a new loan number by Chase Bank and was able to log into my newly set-up account at their bank. 
However, when I went to set up payments by fund transfer from my personal account at XXXX XXXX XXXX XXXX, Chase Bank requires that I enter my personal log-in ID and my personal password for access to my XXXX XXXX XXXX XXXX account into a third-party subcontractors website " for verification purposes ''. 
They do not state who this third party is. 
They also then require me to acknowledge that both Chase Bank and this un-named third party have full indemnity for any possible misuse of this access to my personal checking account. 
As you can imagine, this is leaving the barn door open for fraud. 
Trying to contact Chase Bank is impossible. Tremendous phone trees, agents who don't speak my language clearly, extremely poor phone connection quality, repeated hang-ups or cut-offs. I spent 90 minutes on this and gave up. 
My local Chase Bank refuses to do anything for me. 

This is an egregious behavior on the part of Chase Bank and needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
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: Was not notified of investigation status or results

Complaint:
I submitted a dispute request to the credit bureau Experian on XX/XX/2021 regarding the wrong company name being reported for 2 accounts that are listed on my credit report. I never heard anything back from Experian. So I sent them another letter on XX/XX/2021 letting them know that I never heard anything from them and that the accounts must be removed. Here it is XX/XX/2021 and I still haven't heard anything back from Experian. 
Per the law, the credit bureaus have 30 days to respond, but again here it is XX/XX/2021 and I still haven't heard anything from the credit bureaus, nor seen that they have place the accounts in a dispute status on my credit report. I have signed receipts stating that Experian received each of my written request. This credit bureau has violated so many laws related to the reporting of these accounts as well as not responding to my numerous attempts and also violation of not placing these 2 accounts in a dispute status. I'm requesting an immediate deletion of these two accounts from my credit report. 

Account 1 : XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account from my credit report. 

Account 2 : XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account from my credit report. I'll include all of the documentation that I sent to the bureaus regarding this issue.

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 2020-07-01
Company: EQUIFAX, 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:
I applied for a XXXX credit card today XX/XX/2020 and I was not approved. I was told that the reason I was denied was that there were two accounts in negative standing appearing on my credit. The account names are XXXX XXXX XXXX for an amount of {$280.00} and XXXX XXXX XXXX XXXX XXXX for an amount of {$980.00}. Neither of these accounts belongs to me ; I never signed any contract or agreement with these companies and I never allowed them to run or access my credit file. I don't know who could have opened these accounts in my name because I have never allowed anyone to open an account on my behalf. I did not benefit anything from these unauthorized accounts such as money, goods, services or any other benefit nor did I make any payments towards these accounts. I have already filed a police report regarding this suspicious activity on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 A BANKRUPTCY THAT HAS BEEN ON MY CREDIT FOR OVER 10 YEARS

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 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/2021 I noticed that there errors, inconsistent, inaccurate, and violations through out transunion, experian, and equifax. they even have a couple accounts 120 days past due which that is a violation. I believe credit reports should be 100 % accurate and these are not. Child support should not be on profile as a 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 2021-06-23
Company: YSA ARM LLC DBA Oxygen XL
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As you can see in attached documents mailed to me by Oxygen Recovery they are trying to collect the debt that not only past the statue of limitation but also does not belong to me. 
As per attached lease I was allegedly living at the apartment from XXXX XXXX to XX/XX/2009. 
As per billing schedule all charges and bounced checks were10 years later and after XXXX XXXX of the alleged property. 
Not to mention that Oxygen recovery failed to establish their ownership of the alleged debt .Copy of alleged billing statements and copy of public accessible record ( that by the way I was not able to find in XXXX NY system ) is not substantiate the ownership of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a letter from Chase asking me to settle a charged-off and time barred credit card debt by making a payment of less than the original balance. The letter stated that once I made the requested payment they " will reduce the remaining unpaid balance to XXXX  and notify the credit reporting agencies that the account has been paid for less than the full balance ''. I contacted them by phone and they confirmed multiple times that paying the amount requested in the settlement would reduce the outstanding balance on the account to XXXX. I also specifically asked if they would provide me with a XXXX  balance letter and they said they would. After I made the payment and received confirmation from Chase that they considered the account settled I discovered that they had reported the settlement to the credit bureaus as a payment and fraudulently reaged the original balance ( minus the amount paid ). I also contacted Chase to request a XXXX  balance letter and, after multiple transfers and extended holds, was told there was still a balance on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: TN
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:
Equifax ; XXXX  and XXXX are reporting incorrectly a collection/chargeoff in the amount of {$4100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a lease with an apartment lease and lived in the unit for the full term of the lease. I provided proper notification well within the time allotted per the lease agreement to vacate and therefore there is no outstanding balance due and nothing to collect and/or chargeoff. I was not aware there were any issues and that this account had gone to collections until I obtained a most recent copy of my credit report. I have contacted the bureaus and XXXX XXXX XXXX to fix this however, I have not been successful. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
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 discovered that I have a couple of accounts that I would like to immediately dispute. I believe that I may be a victim of identity theft. The accounts that are on my credit report do not belong to me. I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Also, I requesting to investigate these accounts. I believe that someone uses my identity or it could also be possible someone mixing up these 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 explanation
Consumer complaint received 2021-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: LoanCare, LLC
State: IN
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:
today, XX/XX/XXXX, I spoke with XXXX/ Loancare about my forbearance and incorrect credit agency reporting. Asked them to correct the situation and was told they did not provide the information. 

During my forbearance my loan was reported as late for XXXX, XXXX and XX/XX/2020, when I made these payments in full. 

I have wrote to them today providing proof that my payments were reported as late for 3 months. 

I also cancelled my forbearance as I am unable to refinance my loan while on forbearance. 

Have requested my credit report so I can dispute this information but that will take 30 days. Unable to start credit union complaint online! unable to speak with anyone at XXXX XXXX or XXXX. XXXX   requested proof of identity and would not start complaint. The questions they use for screening would require me to have my credit report in order to answer them. I have a brain injury that has affected my memory.

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 2018-08-13
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had to leave XXXX due to poor service. The company gave me horrible service since the first month. I took them to court and they never showed up. I switched over to a new company and made a. XXXX I return the phones and they would credit my account. After returning the phones XXXX sold my account. AmSher is trying to collect XXXX from me and I do not owe this amount. I emailed my contact in their office and still dont have a response. I explained to AmSher that this information is incorrect. This debt is invalid and AmSher is illegally collecting on this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Innovis
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 information incorrect

Complaint:
I had 2 loans w XXXX XXXX XXXX I am referring to the loan number XXXX at this time it looks like it has been removed from my acct but it seems that it is still reporting under my husbands name XXXX XXXX XXXX. just recently had joint credit ran and it is showing up w wrong information. it is reporting that this acct was in foreclosure status. this account has been paid off since XXXX of 2013. like I said this acct was removed from my act but somehow still reporting. also with this being deleted from my acct why hasn't my credit score improved. all my payments are current. my score has not budged in the last six months. I have done disputes w all the bureaus. it looks like it was removed but when my credit was just ran it is still showing. 
because this was a joint acct both credit repots/scores need cleared

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Diversified Consultants, Inc.
State: UT
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:
Diversified Consultants is reporting an account for XXXX XXXX XXXX on my credit that is not mine. I've filed police reports and the fraud dept determined that it was someone in North Caroline who opened the account. I live in UTAH and have always lived in Utah. This is not mine & I have never had a collection on my credit nor have I ever had XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: EQUIFAX, 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 status incorrect

Complaint:
On XX/XX/2021, I received a letter from the Department of Education ( SEE ATTACHMENT ) stating I'm discharged from my student loans. It also stated that they contacted the credit bureaus to remove the discharged student loans off of my credit report, which still hasn't been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: ZARVAD III S.A.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan from ( mypaydayloan.com ) On XX/XX/2020 I was deposited {$400.00} into my account. My payment date was XXXX XXXX you have to submit a payment a few days before. Their website payment options is pay full amount {$520.00} OR pay minimum amount {$120.00}. I paid {$120.00} the minimum because of the coronavirus I was struggling to get everything paid for being the only one working and husband wasnt set up on unemployment yet. Every 2 weeks they would take out the {$120.00}. In XXXX I looked at my account and they are claiming I havent made a single payment yet. I called them and the man I spoke with barely spoke XXXX, told me I still needed to pay the {$520.00} that all I was paying for was renewing the loan for the next 2 weeks for {$120.00}! They have renewed my loan apparently 10 times! After not getting anywhere with him I emailed the company and sent them pictures of my account and how much I have paid. I only got an email saying I havent paid a single payment yet. I live in Mississippi, the laws are very different here. They said the MS laws dont include them. I honestly dont think this is a legit company from XXXX XXXX. On their website it says they are licensed in MS , I dont think that is true either. However, I have paid this company {$1200.00}! Every 2 weeks {$120.00} comes out of my account. If I had know I wasnt paying on the principal I would have paid it off when I got my stimulus check. Their website is very misleading! They are scheduled to take another {$120.00} out XX/XX/XXXX. I have certainly learned my lesson on online loans. These companies will take advantage of people who are in need from the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Experian Information Solutions Inc.
State: NC
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:
Went on the XXXX XXXX website to see about prequalifying to refinance my current vehicle loan. Per XXXX XXXX website it was advised there would be no hard inquiry on my credit report. XXXX XXXX did not perform any inquires on my credit report however one of their lenders did by the name of XXXX XXXX XXXX XXXX XXXX. I did not authorize XXXX XXXX XXXX XXXX XXXX to pull my credit nor was there a formal application.

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 2017-03-21
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
A recent job loss cause me to fall behind on my mortgage, and my mortgage company offer me a loan modification to help but the payment from the modification was the same or if not more than what I was paying before my hardship. so I made the down payment but fell behind again. I contact the mortgage company and they sent me a package to modify again so I did it promptly and when I called to follow up they told me that my house is in foreclosure status already and the person who sent me a package via email and thru the mail sent the info by mistake. I thinking that I had hope to find out I was given out false information. Please vacate the premises in 30 days. I had the house since 2004.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Experian Information Solutions 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:
Experian and XXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$4900.00} on the XXXX  partial account number **** XXXX. ( Please see page attached from my credit report. ) This vehicle was stolen and later found in XXXX, Tennessee. ( I have also attached a copies of the police reports and incident report. ) Since the vehicle was stolen, my insurance covered any and all outstanding balances due and owing. There are no outstanding balances due and consequently nothing to collect/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-31
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2019 XXXX I disputed this account stating I have no knowledge of this account and they sent a letter trying to get me to pay 10 % off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, Midland Credit Management contacted via mail to collect an alleged debt that I now know, according to 15 US 1692, that I do not owe. 

This company violated the FCRA and the FDCPA and the documentation attached will show proof of this. 

I have included as well an Affidavit of Truth ( original signed and notarized ), Debt Validation letter ( original signed ), as well as an invoice so that the company can repay for the debt collected on their behalf that was not permitted being that I, the consumer, am the Original Creditor per 15 USC 1602j ( 2 ).

Also, the information ( address, phone number, account info, alleged debt amount ) obtained from Midland Credit Management for the collection of this alleged debt was never consented by me, the consumer. Violation of 15 USC 1692c ( b ).

The amount total already collected from me that I wish to be repaid is in the amount of {$710.00}, as well as the total for the remaining alleged debt amount due {$400.00}. 

The date the letters and exhibits were sent was XXXX and according to the XXXX tracking receipt, everything was received on XXXX.

Company response to consumer: Closed with explanation