BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-25
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I sent via Certified mail to JPCHASE Research Department/Archives/Proper Clarification Department XXXX XXXX XXXX XXXX Ohio XXXX - Requesting Documents of : Rearranges " said Amounts Owed for *Start up/Re-instatement of My Mortgage in the amount of {$14000.00} of which XXXX Paid, thru XXXX XXXX What JPCHASE " sent '' / " Billings for this Amount- I am Requesting Itemized amounts of {$14000.00} ( Which is on My Loan '' ) **ANY AND ALL DOCUMENTATIONS USED/PERTAINING TO EHLP BILLINGS FOR PAYMENT AND/ALL CORESPONDENCES TO/FROM XXXX XXXX AND HUD- FOR , I AM : DISPUTING THIS SAID AMOUNT '' ..AND TO THIS DATE I, HAVE NOT OBTAINED MY RECORDS ( AND AS STATED ABOVE SENT VIA CERTIFIED MAIL ON XX/XX/XXXX OVER 1 MONTH *AGO*. 

AND, I AM, ALSO-*DISPUTING* THE CHARGE OF {$19000.00} * XXXX ** in XXXX I was under a loan Modification and on trial payments : XX/XX/XXXX Amount- {$800.00} PAYMENT- plus All other Trial payments /Prior *where not applied correctly and/or Never Applied at All / these amounts " sat in ( unapplied balance ), and last " Principal Balance in XX/XX/XXXX was {$160000.00} And on XX/XX/XXXX Principal Balance JUMPED to {$180000.00} JPCHASE ADDED as- " loan maintenance fee '' of $ XXXX I Dispute- These Charges.. I - do Not have ANY Billings or Documentations of " Charges '' and " Credits are Not being Applied Correctly/and/or Not At ALL, and I am Not Receiving INFORMATION REQUESTED AS SUCH.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Navient Solutions, LLC.
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 status incorrect

Complaint:
I was in a financial hardship last year. As a result, I have late payments that was unpaid to you. But to ensure that your company incurred no losses I promise this wont be happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C SYSTEM XXXX XXXX XXXX XXXX  XXXX, MN XXXX Has an account open for the amount of {$460.00} and I have tried in every possible venue to solve this situation with the company and they refuse to work with me. I have spoken to them several times and I have disputed this item several times with the credit bureaus and have not been able to get it off my record. This debt is not mine and Im not responsible for it. It's mind blowing how they are trying to make me pay for something that is not mine and worse they reported this to the credit bureaus and it's creating some deep damage to my credit. I was left with no choice and I have placed a fraud alert on my credit reports in order to avoid this situation from happening again.

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 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2018-04-06
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased a new home in XX/XX/XXXX. My mortgage was immediately sold, as is usual, to a company I had never heard of - LoanCare , LLC. I paid them normally and as expected until XX/XX/XXXX. Then I received a statement from them, dated XX/XX/XXXX, stating that my Escrow account was in a negative by $ XXXX. This negative account amount meant my monthly mortgage needed to raise by {$350.00} to have enough in it to cover taxes again by XXXX, XXXX. According to their own statements, it was because my county taxes were paid in XX/XX/XXXX for an amount of {$2700.00} even though the projected amount to that point had been {$1000.00}, and the bill they received from the county tax office was only {$910.00}. The tax office refunded the overage, LoanCare 's website and statements show they have received that refund and my new Escrow account estimate was changed to reflect that and is no longer in a negative ; however, since they are still " projecting '' a tax amount of {$2700.00} again for this year they are still raising my monthly mortgage to cover the projected amount. I have an email from the Tax Assessor 's office stating that the mortgage company paid more than they were billed for - that they paid the 6 % rate for a secondary property instead of the 4 % rate of primary residence that I was actually charged for. The mortgage company agrees that they have that information, but because the previous owners rented the property out and were charged the 6 % rate, they are projecting that I will be charged that even though they admit to having all the documentation needed to see that I should not be charged that amount this year and they overpaid and were refunded that amount for last year. I have emailed and called LoanCare several times. Every call was recorded by their office. I can not afford the raised mortgage amount and there does not seem to be any reason for it to have increased in any way. I do not believe that what they are doing is legal, or at least ethical. Any assistance on this issue will be appreciated. 
Thank you, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Comerica
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I had a checkings account with Comerica bank which I opened due to a promotional coupon. 
I tried several times to use online transfers but I didn't receive the original account number even after opening it online. 
I got a debit card but couldn't activate it. 
Due to so many issues, I requested to have the account closed. 
The account stayed opened and incurred in a fee for not having a direct deposit set up anymore. 
Most banks even offer a waived fee for such issue for the first occurance. The original fee was lower than the {$69.00} requested. 
But instead they send the fee to collections agency, XXXX XXXX XXXX XXXX and are damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Conduent Incorporated
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my bank account with XXXX was compromised and there was 5 unauthorized charges placed on my account from another state. I called right away and changed my card. I also filed a fraud report with the bank. I have not heard back from them and when I call they do not give any update information. I provided everything they requested but the bank does not seem to have a process I place that can help. The five transactions were XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX. All of these transactions happened in Ohio while I live and was in Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: FISERV INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had XXXX XXXX XXXX dollars on a money network account and there were many fraudulent transactions on my account equalling XXXX dollars I have had no luck with law enforcement lawyers and the company itself

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My account should not show any late payments because I have always paid on 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 non-monetary relief
Consumer complaint received 2020-01-31
Company: National Business Factors
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in a loss of credit rating. Also, they failed to provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: EQUIFAX, INC.
State: KY
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:
I opened a account with XXXX XXXX in XX/XX/XXXX. I paid off the loan in XX/XX/XXXX. It still appears with the credit bureaus after 7 years and I contacted XXXX XXXX XXXX on XX/XX/XXXX they stated it would be removed from my XXXX  and Equifax bureaus but it has not yet been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: GA
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:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove

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 2017-09-15
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After the fraud was uncovered at Equifax - it was recommended that we place a freeze on our credit reports with " the 3 '' bureaus. Well, it seems the bureaus do n't want this. Loss of revenue. XXXX indicates I must have had an account years ago. Unless I recall the sign-in I ca n't get into freeze. They offer no help in recalling password. AND will not permit a new account. Equifax just plain makes their web site inoperative. I need an answer now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
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 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 continued to submit an investigation for a Bankruptcy place on my credit report. I have been trying to get this removed because it was place on my credit report in error and inaccurate. ALL THREE CREDIT BUREAUS have continue to ignore the information proving this was place in error and fail to properly investigate the dispute I have place in their office. 

1. They say they have verified this dispute with XXXX but I have a letter from XXXX stating this was removed because they were unable to verify the accuracy of the bankruptcy. I received this letter on XX/XX/XXXX. XXXX just finished an investigation on XX/XX/2019 stating the verified this with XXXX. 
2.Experian Open the dispute on XX/XX/2019 and closed it on XX/XX/19 stated they verified with XXXX and the Bankruptcy court and I have a letter From XXXX stating they could not verify the accuracy of this dispute. I also, have a letter from the court house stating they do not verify information with the credit bureaus How could be this be on my XXXX file when XXXX has removed this item. 
3. XXXX open and investigation XX/XX/2019 and closed it XX/XX/2019 No way they properly investigation I have submitted all information to dispute the inaccurate information. Please do a proper investigation. 

XXXX, Experian, and XXXX please do a proper investigation under 611 of the FCRA thank you very much I have attached the letter proving this this is not on my XXXX consumer report and a letter form the court house stating they do not report information to the credit bureaus from the XXXX XXXX XXXX, Clerk of Court United State Bankruptcy Court on dated XX/XX/2019 I have summited it to the credit bureaus to be ignored. I have as for a description of my investigation by section 611 of the FCRA and the information from the investigation is inaccurate.

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 2022-09-12
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:
In accordance with Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo opened a fraudulent checking account in my name. After opening a identity theft case with them they have been unwilling to give me any details as to how this happened. In addition to allowing someone to open a new account in my name, they then apparently automatically updated all of my existing accounts contact information with the fraudulent information. It appears as though they have no identity theft protection or no dual authentication process in place. They are unwilling to give me any information as to how this happened. When I do call them, they send a text with a security code before they will speak with me but they will allow someone to open a new account and change account information with no security protocol. Given how secretive they've been with any information on how this could have happened it makes me wonder, Could this be another case of Wells Fargo representatives opening fraudulent accounts in their customers names.

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 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am unable to place a freeze on a my credit file. The website reports : We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. 

... but I have been trying several times. It sounds like they would rather continue to profit from selling my data then by complying with consumer protection laws. 

Sure wish I had a lobby in Washington.

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 2020-10-25
Company: EQUIFAX, INC.
State: OH
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 contacted equifax about a inquiry that i did not authorize nor give anyone the permission to use my name or credit, they keep me on hold then never come back! 

I want this off my credit asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company took a debt which was previously removed and deemed fraudulent back in 2018. This company re-aged the debt as new on my credit report, didnt validate the information and didnt give me time to dispute before entering this debt back on my credit report. 
Last XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: FC HoldCo LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I XXXX XXXX XXXX entered into a consumer credit transaction with Flagship Credit Acceptance on XX/XX/2021. A consumer credit transaction is an transaction in which a finance charge is involved. 

Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill. On XX/XX/2021 Flagship Credit Acceptance sent me a bill which is a violation of 15 USC1692 ( b ). Also this company is criminally and civilly liable for repossessing this vehicle which is a violation of 15 USC 1692 ( f ).

Pursuant to 15 USC 1611, Flagship Credit Acceptance is criminally liable, they are also criminally liable for double the amount of finance charges. 

Pursuant to 15 USC 1640 and they are liable for each FDCPA violation, pursuant to 15 USC 1692 ( k ). 

I am demanding they remove this alleged debt from my consumer report, or remit payment to me violations & apologize.

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 2020-05-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio recovery continues to report a fraudulent account on my credit report and continues its refusal to correct this matter. I have made a previous complaint with the CFPB complaint number XXXX and provided supporting documents regarding my claim along with proof of delivery via USPS certified mail. The attachments include my letter to Portfolio recovery disputing the alleged debt along with a copy of a completed FTC ID theft report and police report. Portfolio recovery responded to my complaint by denying any receipt of a completed FTC fraud Affidavit and police report even after providing delivery confirmation. Portfolio recovery also denied changing the account number for purpose of deceiving the credit bureau into reporting a blocked collection account, yet the collection is still being reported on my credit bureau report with a different account number other than the original disputed account number which was blocked on my credit report per [ 15 U.S.C. 1681c2 ]. 

THIS COMPLAINT INCLUDES ATTACHED COPIES OF MY FTC FRAUD AFFIDAVIT AND POLICE REPORT ALONG WITH THE DISPUTE LETTER TO PORTFOLIO RECOVERY AND PROOF OF DELIVERY VIA USPS CERTIFIED MAIL ARTICLE # XXXX XXXX XXXX XXXX XXXX XXXX Portfolio recovery is not being truthful in its response to my previous complaint and did infact receive these items and sign for them. Please review attachments to verify my claim before accepting portfolio recovery 's denial

Company response to consumer: Closed with explanation