BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX and XXXX a paypal collections agency attempted to ACH my XXXX XXXX account for {$260.00} 3 times without my permission. today, XX/XX/XXXX a paypal collections rep calls me from XXXX making threats against me. He told me that paypal was going to ACH my XXXX XXXX XXXX account. 

These actions are illegal violating the Federal Trade Commission Act. Please investigate? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
WE HAVE TRIED UNSUCCESSFULLY FOR OVER 2 WEEKS TO ATTAIN A XXXX prepaid Visa debit card managed by Chase even though we have excellent credit over 825 FICO score and we have excellent credit history with Chase Bank wo manages this XXXX prepaid Visa debit card - we have paid off our entire home loan at Chase early with never a late payment and we have a Business Ink credit card with Chase that we pay off on time in full every month so THERE IS ABSOLUTELY NO REASON FOR US BEING UNABLE TO ACQUIRE THIS XXXX prepaid Visa debit card managed by Chase!! IT ISNT EVEN A CREDIT CARD - IT IS A  PREPAID DEBIT CARD WITH OUR OWN MONEY!!! 
WE HAVE CONTACTED the Chase reps and supervisors directly assigned to on the phone every day for 2 weeks on this directly assigned to XXXX prepaid Visa debit card managed by Chase and they keep saying there is a technical glitch in the system and we need to wait a few days- which we have done and still we are being kicked out of system to apply for the XXXX prepaid Visa debit card managed by Chase - we get all the way through the application until the end when load initial amount on card and enter your Visa/MC debit card details and it comes back everytime not able to use that card!!! But Chase rep confirmed it isnt our debit cards as they have tried 4 different visa./mc debit cards that we have with hundreds of dollars of funds on them and still it denies our application for A PREPAID DEBIT CARD!!! and Chase supervisors are telling us it is " A GLITCH IN THE SYSTEM '' and there is nothing they can do!! 

****THIS IS DISCRIMINATION UNFAIR BANKING PRACTICES THAT CHASE NEEDS TO CORRECT THIS " GLITCH '' NOW AND STOP BLOCKING/ DENYING US FROM GETTING OUR Starbucks prepaid Visa debit card THAT WE ARE OVER QUALIFIED FOR!! 

****PLEASE FORWARD THIS MESSAGE TO MANAGER OF CHASE DEPT OF XXXX prepaid Visa debit card that Chase manages!! **** ****URGENT!!!! PLEASE EMAIL BACK REPLY RESOLUTION TO THIS URGENT ISSUE ASAP TODAY!!! ****

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: JPMORGAN CHASE & CO.
State: AZ
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:
In XX/XX/2020, I refinance my mortgage with Quicken loan. JP Morgan Chase was the holder of my mortgage. In XXXX, I got my credit report and it drops by 63 points because JP Morgan closed my mortgage account and it affected my credit. I do not know why JP Morgan Chase closed my account if they know that it will affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Midwest Recovery Systems
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I checked my XXXX  and XXXX  credit report and was surprised to find a delinquency for {$500.00}, placed there by Midwest Recovery Systems. There was no prior contact in any way before placing this to notify me of the action, ability to pay it, OR DISPUTE IT. 

I checked the XXXX XXXX XXXX and they had many prior complaints and over 100 in the last 12 months. 

I contacted them and was told that they fo this all the time because they are not required to give notice of any kind before filings negative information on anyone 's credit bureau. They told me this was a debt from another company ( that never contacted me nor placed Anything on my credit bureau file ) that purchased it from a physicians group. 

He did take a verbal dispute but my score went down 42-45 points already and according to XXXX XXXX, even if it's removed will only rise back 25 or so points. I am starting a business and my access to credit funds has been diminished and I won't get that back for months at best even if they remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX   XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXX****, DEPT OF ED/XXXX****, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of 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 explanation
Consumer complaint received 2023-07-29
Company: Pacific Credit Exchange Corporation
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: Account information incorrect

Complaint:
XXXX XXXX, account # XXXX opened XX/XX/2018 and a balance of {$2500.00} on XXXX. 
This account is incorrectly reporting that I have 10 late payments. On my experian report there are 0 late payments being reported. I do not remember ever being late on this account. Please provide statements and records of all payments made and missed since I opened the account. This account is incorrectly being reported as a charge off account with a balance due. 
Please provide proof of the charge off and update the balance {$0.00} or delete negative payment status on 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 2019-09-04
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX were explains why I has to return their portable due to XXXX and was not working anymore. I voluntary turn the building in to them.They got me owing {$510.00}  on XX/XX/2017. They continued running this on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 didnt authorize these car dealerships to put all these hard inquires on my credit report! The hard inquires are as listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Account was closed XX/XX/XXXX due to my report on fraud because I never opened the account. I never authorized the account to be added back on my credit report after the account was closed. The address on file was even wrong, This Company reported the account again on my credit report XX/XX/XXXX. They said it takes 30 days to update information regarding fraud but they waited 5 months to add somehting on my report without my consent which and the address on file is wrong never belonged on my report. The information was also added on my report wihtout my written consent as well which is ILLEGAL!!!! I can't even purchase my home due to the illegal activity by XXXX XXXX XXXX  . I will open up a civil lawsuit claim for the illegal activity as well. After they originally found out the account was fraud it was added again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen is my mortg. company that just in at best, the past 5yrs to date, I have had countless issues, paid my own way through escalated foreclosures that I had to hire an attorney as well as was awarded a very small " award '' & acknowledgment from the government 's Independent Foreclosure Review Board for their illegal practices that are still continuing today, XX/XX/XXXX. For over a month I have been yet another victim to their many tactics. XX/XX/XXXX, I contacted Ocwen regarding various mortgage options avbl. to me & the requirements for them to send me the modification packet as I requested. For the next month, as I followed up every week, Ocwen stated they never rcvd. the authorization from my attorney to discuss my acct., as required. After that point, my Atty faxed another letter on XX/XX/XXXX. Ocwen stated it takes 2-3 days to update receipt of paperwork so when I folliwed up XX/XX/XXXX, Ocwen stated my Atty. neglected to put my case # on the authorization that was faxed. They & my Atty. we 're immediately contacted to clarify & rectify the situation yet Ocwen insisted they still could not move forward until a new letter with the case # was faxed by my Atty. I followed up with both parties every 3 days & after speaking to Ocwen Monday of this week & after having choice words with my Atty, I was provided w/ a copy of the XX/XX/XXXX letter they faxed to Ocwen that low & behold, has all the info. I was instructed by Ocwen needed to appear, including the case #! On XX/XX/XXXX, When I confronted Ocwen with my Attys. proof of the letter, I was then told, yes, it dies have the case # they spent a mth. was not included, but now stated the wording in the authorization also did not suffice, prompting my Atty to have to submit yet another letter faxed XX/XX/XXXX. Ocwen has instructed me to check back w/ them on XX/XX/XXXX to confirm their receipt of the letter & see if it allows me to receive the modification documents as I 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 2023-02-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-06-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My loan was modified years ago. Under pressure, I signed whatever they asked me to sign. I just realized the terms had the rate shoot up to 4 % and included a significant balloon payment. This was done when I experienced hardship years ago. The loan has changed hands since modifying but I want help examing the predatory lending terms on this modification. XXXX was the company that modifying, but Select Portfolio Servicing is over the loan now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Kashia Services
State: NJ
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 in the amount of {$670.00} on XX/XX/2018 from a company name XXXX XXXX also known as XXXX. I have paid back a total of {$580.00} as of XX/XX/XXXX which comes directly out of my bank account. When I reached out to the company on XX/XX/XXXX to inquire about my balance and the payoff amount they told me if I wanted to pay off the loan on that day it would cost me {$730.00} ( XX/XX/XXXX ). I asked why is the amount I owe double what I borrowed and I had been paying the loan off as agreed and they said it's a default loan re-payment plan and I asked them how can a loan that I am paying as agreed in default and I haven't missed a payment they said it's what was agreed to and I said that's not what I agreed too, I agreed to payoff the loan within 60 days. I asked them if this is legal to charge someone 789.4 % interest rate, they could not explain. I have another payment of {$210.00} coming out of my account on the XX/XX/XXXX and that will be a total of {$800.00}. All I'm asking is to be charged a legal interest rate on the {$670.00} I borrowed that will be paid off within the 60 days from the date that I borrowed on XX/XX/18. I should not be charged a default loan payment on a loan I have not defaulted in. the average legal rate for the state of new jersey is 16 % according to the Usury laws by state. The feasible loan interest and payback should not be {$5100.00} on a {$670.00} loan, this is outrageous and this company should be investigated Please see the lending disclosure. This is my first time taking out this kind of loan it was an emergency and I needed the money for some bills but I should not have to be in debt to a company for a loan that I was able to payback within a reasonable amount of time. I was not fully aware that this company was such a scam. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was called from a ( XXXX ) XXXX my phone labled the call as " Scam Likely '' so I did not answer. I was left with the following message in my voicemail. 

" hi this message is solely intended for -- - my name is XXXX and I am contacting you today in regard of a legal matter that has has been forwarded to my office and has registered against you. To discuss this pending allegation and to be further assisted you will need to contact XXXX XXXX XXXX XXXX XXXX directly at XXXX & XXXX XXXX and the reference file number is XXXX if you fail to fail to correspond by the end of one business day you will be served to either your home or your place of employment for small claims matter. this call has been logged and submitted as proof that you have been notified of this pending allegation. Thank you and have a nice day '' I called the number, and I was getting an attitude as if I never thought about paying back the debt, and then given information I insisted to be sent an email to review since I was currently at work. I was given a number ( XXXX ) XXXX to call her back if there were any questions. 

The email sent me a link from a XXXX XXXX to view a document online, it was a form for me to sign and fill out how I was going to pay my debt on the remaining balance that I owe that was originally JCPenny Credit card, either in one payment by XX/XX/XXXX or in full. I noticed that the form had XXXX XXXX XXXX, there was a line of text that made me question the legitimacy of this as it refered to their company as XXXX XXXX  XXXX. When asked about it I was told there was a merger a couple days ago and that signing should be fine. I asked if she could make sure because I didnt like the idea of signing a document saying I have read it, if there is mention of a company that does not exist anymore. I then brought to her attention that the website they have was made on square space, that I was having a hard time believing that they were legitimate, and to which she responded that the legitimacy will be apparent when I am taken to court. and the call was ended.

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 2018-11-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I get repeated phone calls from a company called PORTFOLIO RECOV ASSOC. They call repeatedly and have managed to contact and harass my girlfriends phone number. I don't know who they are and I have no debt with them. They have yet to provide any proof and again I do not have any type of debt with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
They keep calling everyone in my family 's cell phones my house phone 12 times a day plus. claiming there is a warrant for my arrest in XXXX XXXX Delaware a state I have not lived in for 2 years. They keep harassing my family and their cellphones. They say they are process servers but they are not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
During the process of submitting for a loan modification, I was told my Amerihomes that there would be no negative reporting or credit activity sent to the credit bureau 's. They failed to process my application in a timely manner which was specified for 30 days on the app and reported my payment late for the month of XXXX. I have been lied to and mislead so many times by this company. Every time I call someone tells me something different than what was advised from the prior rep. I was told that it was initiated already to reverse the negative reporting on XX/XX/2023 and then I called back and XXXX stated she saw no record. I sent in a letter to dispute the reporting on XX/XX/2023 to XXXX XXXX XXXX XXXX, NJ XXXX. Every time I call to follow up I'm told they don't have any correspondence from me. Please help me to resolve this issue. Thanks

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 2023-07-28
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient has repeatedly called and harassed my family, my nieces ( who were not even born when I started college ), and ex 's people I have not seen or heard from for 30 years or more. These people do no know my business. and calling my ex just places me in danger. i had a Income driven plan with them and they did not recertify me after 3 years. When I asked why I got no reply. They wanted me to pay them more than my monthly income. I am now retired XXXX on a fixed income. They have MY phone number they will not work with me. I am being harassed and I have complained about this before. When they called my ex husband. they are NOT working with me on this situation and after paying on time with the IDP THEY CANCELLED IT NOT ME.

Company response to consumer: Closed with explanation