BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-22
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification through Chase, sent all of my paperwork and they will not review it. Chase advised that they will not review my information since i was previously offered a trial plan. Unfortunately, the trial plan that was previously offered was not affordable. Since the trial plan offered, my circumstances have changed and i am now receiving more income. I am in a position to accept a trial plan if offered. Now, Chase is telling me they will not re-open another loss mitigation workout for me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Called To Get More Information On A Debt Through Portfolio Recovery. I Was Wanting To Pay Off An Account And Get The Information Deleted Off My Report. I Spoke With A Lady Agreeing That This Could Happen. So On XX/XX/XXXX I Paid The Account Off But Now XX/XX/XXXX The Account Is Still Listed On My Report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX A ( XXXX XXXX XXXX ) {$1000.00} and LVNV FUNDING LLC ( XXXX XXXX XXXX  XXXX XXXX ) {$340.00}. have been reporting to my credit report. I have never opened account with XXXX XXXX and XXXX XXXX. I have called and no response. I have a FTC Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/18, XX/XX/18, and XX/XX/18 I sent XXXX, XXXX, and Transunion certified letters to verify 2 bankruptcies listed on my credit reports. Each escalating letter asked for verification of the listings.The three credit bureaus each sent me letters stating the bankruptcies were verified. Massachusetts Federal Court stated to me that they DO NOT give information to any third parties, including credit bureaus. I have continuously asked the three credit bureaus to remove the inaccurrate listings and how they received the inaccurrate information. The three credit bureaus have failed to address my problem and have supported failed credit opportunities and stress for me and my family.

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 2021-05-27
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received notification through XXXX XXXX that a collection agency reported debt. In XXXX of 2020, my identity was stolen and they opened an XXXX XXXX XXXX  account. I disputed with XXXX  and their response was that they requested more information from the collection agency. I cent a certified letter to the collection agency, SEQUIUM ASSET SOLUTIONS , LLC, stating that I was a victim of identity theft. To this date, nothing has been resolved and the collection debt is still in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 submitted a complaint about XXXX  XXXX  a few days ago in regards to them deleting my charge card with them off my credit reports. Today XX/XX/2020 I received a response back that they reported my history to the credit reporting agencys on XX/XX/2020 and they report every 30 days. Today is XX/XX/2020 its past 30 days and this account should be reporting. Due to them deleting this account off my credit reports my score dropped over 93 points. I am extremely frustrated that I now have a much lower credit score and I had asked me to please per TransUnion call them and TransUnion said they will have them immediately report it back 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 explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts US DEPT ED XXXX. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

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 2018-08-22
Company: Navient Solutions, LLC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hi I had some late fee 's from company which i was told would be removed but have yet to be removed. I have called the company several times trying to get this matter resolved. They said they would remove all late fee 's from file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Wells Fargo. I have never missed a payment nor been late. I have requested over the years to have PMI removed from my account. Wells Fargo said that I would have to pay {$500.00} for an appraisal. 

I refinanced my home about 4 years ago and the market was awful. They gave my townhouse a low valuation.

The market has drastically rebounded in California. I have paid close to {$10000.00} in PMI over the life of my loans.

I have spoken to Wells Fargo on multiple occasions.

They will remove the PMI in a couple of months with a LTV ratio of 80 %.

My townhouse was valued at approx $ 200K during the refi and the unit in the back sold for $ XXXX last year. 

I explained to Wells Fargo that my property tax and escrow continued to increase due to the property value. They would not make any concessions to assist me.

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 2021-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
TO WHOM IT MAY CONCERN FRAUDULENT XXXX TRANSACTIONS HAVE BEEN MADE ON MY BANK OF AMERICA ACCOUNT THESE TRANSACTIONS ARE FRAUDULENT ME NOR THE OTHER ACCOUNT OWNER MADE THESE TRANSACTIONS PLEASE REVERSE THEM AND REFUND MY MY MONEY I I HAVE BILLS TO PAY AND I AM OUT OVER {$4000.00} due to someone hacking my account that you did not initiate the XXXX transaction and that under Reg E I am disputing these transactions Claim number - XXXX BANK OF AMERICA DID NOT REFUND MY MONEY EVEN THOUGH I DID NOT AUTHORIZE THESE TRANSFERS

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 2017-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital one is showing an inquiry on my credit report for transunion that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Since 2020, I have paid on my loans a couple of times. However, the student loan was sent to collections despite the payment pauses. Also, I'm pretty sure that I read that loans that went into default would be given a fresh start but that hasn't happened either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: ENCORE CAPITAL GROUP INC.
State: NJ
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: Problem with personal statement of dispute

Complaint:
I have three collection agencies trying to collect on the same debt and reporting on my credit report. Seriously, I thought is was against the law and I was protected as a citizen to keep credit pirates off my credit report. This XXXX I can get a house or car because I have 9 collection debts and three collection agencies showing. IN REALITY I have none. I know it has been a write off and these collection agencies just want money. The have no proof this is my debt. I tried communcating with all of them but no one will delete the duplicate accounts.

HELP!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have provided my condo unit owner policy to Loancare and have provided the name of the agent for our HOA regarding the master condo policy for XXXX. However, Loancare insists that I provide 1 ) detailed policy information concerning the HOA 's policy, and 2 ) that they be named on the condo 's master policy as mortgage. However, I do not have details about the policy and can not request that someone be placed " on the policy '' because I am not the named insured. Loancare refuses to contact the HOA 's agent and instead is threatening to take to out a master condo policy on my behalf -- truly bizarre as I am an individual unit owner -- and then charge me. If I do not pay for this duplicative insurance then I will be in default and may lose my home.

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 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/NAVIENT is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account XXXX XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX  on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, XXXX has had callers from Washington State calling everyday I block the number a new numbers keep calling. 

Previous Debt Collector XXXX sold the debt. FROM 2003. It is 15 Years old. 

XXXX hides under the name XXXX XXXX  they have the same address in South Carolina Customers Phone : XXXX Fax : XXXX Borrower 's Authorizations : XXXX Contact by Email Correspondence Address XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Payment Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Overnight Payment Address XXXX XXXX XXXX Attn : Payment Processing XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, SC XXXX Issue Resolutions Office of the Chief Compliance Officer XXXX Compliance Department XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX So the current loop is XXXX XXXX, XXXX - XXXX - Doing business for 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 2018-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-07
Company: Alpha Recovery Corp
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Alpha recovery group is claiming that 2 accounts were opened on XX/XX/2018. I have disputed this accounts validity with Alpha Recovery and the results came back as verified with XXXX. However, this is not my account and I have never received correspondence via phone, email or mail from Alpha Recovery stating that a debt was owed to them. This in itself was a violation of my consumer rights because it did not allow me to dispute the validity of these accounts before being reported to XXXX. In response to the XXXX   dispute, I was sent a settlement letter via mail. They did not send me validation of the accounts in question as requested.

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 2021-05-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Chase auto finance is using unfair debt collection practices. 

Six years ago, XXXX XXXX XXXX XXXX dealer sold me my vehicle that was XXXX old and on sale for {$5000.00} XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX not XX/XX/XXXX. I traded my car a XXXX XXXX XXXX so I was only going to finance {$3000.00} i later discovered the Bank is asking for {$10000.00} I called a manager who apologized and promised to fix it. XXXX, mgr, shredded the contract in front of me and ask the finance manager XXXX to redo the paperwork. He never gave it to me and saleman XXXX told me to go home with the car. He said they will figure it out dont worry. I got a lean satisfied letter from the dealer but not the Bank, who is now time barred. They keep trying to repossess my car, and damage my reputation by posting lies on my credit report. I even offered to return the car, and took it back to them, but they refused it at the dealer. California clerk stated that they sold my account to a debt buyer but failed to report this on my credit file. I dont know who to contact. So i hired an attorney to settle my account and he said the Bank wouldnt cooperate. They are refusing to remove the lien, and that I should sue them for unfair debt collection practices

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax is giving me the run around online and by phone. I called their dispute line and I have called their regular line. I can not check status online and additionally questions to verify my ID are wrong. Equifax asked if I CURRENTLY have a Credit Card with XXXX, XXXX XXXX XXXX  or NONE. I chose NONE because I do not CURRENTLY have have a Credit Card with either of these companies. I cancelled those cards years ago.

How can I fix anything, if Equifax refuses to give me a human to talk to and has Misinformation with Verifying my identity. I can not get anyone to talk to me to fix my issue. I am the consumer and they are playing games with my accessing My Credit Information.

This code they emailed me does not work, nor my DOB, nor my Address, nor my SSN, nor my Full Name, they are telling me this information is wrong yet I can use this same info with XXXX and XXXX. I think I know my full name, address, DOB, and Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted BOTH credit bureaus XXXX and Transunion about a late payment from XXXX listed on my credit report for an account that is NOT MINE, i was just an authorized user. I first contacted both XXXX and Transunion via U.S. mail on XX/XX/XXXX .... I never heard back from either bureau! After contacting them again via mail on XX/XX/XXXX, i have yet to hear from them. It is absolutely mind blowing that two of our biggest credit reporting agencies nationwide, just IGNORE consumers and hurt they're chances at obtaining good credit by reporting erroneous and inaccurate information. Totally unacceptable and irresponsible!

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 2018-05-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a card from XXXX on XX/XX/XXXX that I never applied for or approved. I called on XX/XX/XXXX to cancel the card and have the hard inquiry performed on my credit removed. I have yet to receive any confirmation that the card was cancelled or that my creidt score will be restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Inquiries below aint mine they are fraudulent.Please remove as soon as possible. They should not be on report. 
-- -- -EQUIFAX -- -- XXXX XXXX Inquiry : XX/XX/2019

Company response to consumer: Closed with explanation