BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-11
Company: JPMORGAN CHASE & CO.
State: LA
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:
Chase XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   criminal trespassing XXXX XXXX XXXX XXXX attacking Homeowners Homeownership At XXXX XXXX XXXX. XXXX, Louisiana XXXX XXXX office of Public Affidavits And XXXX XXXX XXXX And Boarder protection Fraud Alerts Serving Federal Civil Rights Notice Lawsuit to XXXX XXXX, XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Louisiana XXXX eviction notice verification of Family Administrators funding XXXX in the oaks of the XXXX XXXX XXXX and XXXX XXXX XXXX impacted XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX Company 's Response We have confirmed that we are not responsible for the actions of XXXX XXXX XXXX XXXX and the XXXX XXXX Soft Mortgage program, therefore we can not respond to the issue regarding the advertising of XXXX XXXX in order to profit from the home ownership program. Chase was not involved in the application, processing, underwriting, or closing of your loan. The original lender was Chase XXXX XXXX XXXX and the loan originated on XX/XX/XXXX. On XX/XX/XXXX, we acquired the servicing of your loan in good faith, and we relied on the loan documents as proof that you understood and agreed to the terms presented. Also, we never serviced the loan for the address of XXXX XXXX XXXX, XXXX, LA XXXX, so we can not respond to the allegations of illegally being evicted. XXXX enclosed the following documents : Note Mortgage Good Faith Estimate Loan application HUD-1 Settlement Statement Truth-in-Lending Disclosure The servicing of your loan transferred to XXXX XXXX XXXX, on XX/XX/XXXX. Weve enclosed a reprinted version of the letter we sent to you on XX/XX/XXXX, to explain this. Your new servicer will answer any questions you have about the current status of the loan. You can contact the servicer at : Mail : XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX Weve carefully reviewed the history of your loan and we have confirmed that we were consistent with our lending guidelines. We didnt find any instances of unfair tactics or attempts to deceive you regarding your loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Citi Double Cash Card on XX/XX/2018. As part of the account opening disclosures, Citi advertised 18 months no interest on balance transfers if you completed the request within 4 months of account opening. I received my new card in the mail and registered for online account access. At that time the offer was available, but I was not ready to take advantage of it. I came back to take advantage of the offer the first week of XX/XX/XXXX and saw it was no longer available. I contacted Citi and they said they would review my account and apply the offer within 5 business days. Instead, I received a letter in the mail indicating they would not be honoring the offer. This seems to be a bait and switch situation in my opinion.

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 2018-08-19
Company: Experian Information Solutions Inc.
State: CO
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 6 total accounts open with XXXX from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I got a derogatory remark on all of my credit reports I was 90 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX. At this point i contacted my creditors because i was going through extremely difficult financial hardship. We went over an Income Base Monthly payment system and based off my taxes and how much i made last year my payments were changed to none. However to the bureaus i still showed to be late on payments. I contacted the creditors and they said I was up to date. That's when i reached out to the bureaus and they updated the status from late to current.The reports still show negative remarks for the months of XX/XX/XXXX and XX/XX/XXXX.Considering it's 6 loans I have open, My reports show that all 6 were previously delinquent which is severely effecting my score. Since my monthly payments are {$0.00} and My taxes show that for last year I only made {$6700.00}, I would like to address this immediately to get this negative remark removed from my reports.

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 2018-11-11
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Waypoint resource group put a negative on my credit without sending me a bill for the correct amount owed How can I pay a bill if I do not know what the amount I owe is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/2018, company charged a total of {$100.00} for two returned item fees and an NSF fee. In attempting to learn why, BB & T informed me that two items were returned and because of the returned item fee brought my account negative, a NSF fee was assessed. Also, through my messages with BB & T, I learned that the two returned items were unauthorized attempts to withdraw monies from my account. I attempted to explain this to BB & T and they allege that these are recurring withdrawals from an external account. However, I can assure this agency that I do not have set up any recurring withdrawals.

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 2018-11-11
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Incorrect loan amount appears on credit report, no reports of paying on time for last 4 years, no payment of interest on money when payment held in suspense, generating false payment reports than regular payments of loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened my regions Bank account in 2012. I have had trouble with excessive fees being withdrawn from my bank. It was not until 2 days ago that a lady named XXXX at Regions bank told me that the account that is seen on line by the banker is not the same way the consumer sees it. She stated that if a merchant doesn't clam the money that has been debited in 3 days the money " appears '' to be back in the account showing balance higher than it actually is. Becasue NO one in 7 years ever explained this to me nor bothered to tell me that overdraft protection does NOT protect your account from over draft fees, They have taken out in fees in the last 7 years a grand total of {$10.00}, XXXX. I believe this is an exorbitant amount!! I would like to have these fees reimbursed to me. I have talked to a banker from regions today and they said they would not be refunding any additional fees to me. They did refund a little over {$200.00} and stated that '' s all they can do for me, 2 days ago but refuse to refund any other Fees. Please help me Sincerely 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 2020-11-15
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XX/XX/XXXX of last year I complained to the three reporting agencies [ XXXX XXXX, Equifax and XXXX ] that for a prolonged time they reported my balance on my XXXX  XXXX credit card as too high and therefore harming my credit score. After initiating a dispute they deleted the card from my file. Not at all what I wanted, I simply wanted accurate balances to be shown. XXXX XXXX and eventually XXXX  corrected the error and since XX/XX/XXXXhave been reporting the correct info. Equifax does not and continues despite repeated attempts still shows no credit card info. They deny the existence of my card. I have sent them copies of several months statements as well as a payment history for the past year to no avail. When the balance dispute began XX/XX/XXXX my score with them was around XXXX. It still is with XXXX XXXX but my Equifax score continues to decrease since according to them I have no card. XXXX XXXX has also helped to solve this incompetence and assures me they report to Equifax monthly as required. They at one time even gave me the dates they had reported but Equifax continues to unfairly besmirch my credit. This is now a real problem as I am trying to purchase a home and will be penalized heavily for their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: Carter-Young, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a charge from a city I have never been to. And dont know why my card was charged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
At the time, I was going through financial hardship. I wasn't making enough money and missed my Wells Fargo Credit Card payment. The company did not work with me which resulted in my credit history being affected. I made the payment a few days late and there was nothing the bank can do.

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 2018-04-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have requested for my negatives account to be removed I was A victim of fraud years ago. Equifax wont help you at all they dont even listen to you they have putting stuff on my credit that are not even mine. Please I need this issue to be resolve I am trying to get a house and all this inquiry that are on my credit is affecting me very bad!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Good afternoon, I am writing because Credit Acceptance Corp has called me before XXXX XXXX on a Sunday morning to inquire about payment. I had previously instructed Credit Acceptance Corp to refrain from calling and they decided to do it anyway at XXXX XXXX  approximately this Sunday morning. I informed Credit Acceptance Corp to contact me in writing and not my cell phone in the past. I reminded the woman today  and she said she was going to keep calling and calling she did. After blocking out her number, she called from yet a different number. This is harassment and today is Sunday and they are calling outside of business hours. Based on my understanding of the telephone/bill collection rules, the company could be fined {$1000.00} each time for willfully violating collection laws via telephone. 

She called me from the following phone numbers : XXXX at XXXX XXXX CST and at XXXX XXXX CST. She called me from XXXX at XXXX XXXX and called me at XXXX at XXXX XXXX and at XXXX XXXX. 

I paid my XXXX bill one week in advance and I understand that the bill is due on the XXXX of the month and haven't paid it yet, however, that does not give them an excuse to call outside of business hours and call when I've requested everything in writing.

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 2018-08-20
Company: ACS Education Services
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: Account status incorrect

Complaint:
The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due on XXXX since XXXX although the account was transferred to another servicer as reported with XXXX  XX/XX/XXXX. I cant seem to get the Servicer to communicate or resolve satisfactorily. I have disputed numerous times. I have been working for nearly several years to get this resolved to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
One XX/XX/2015 I received my first credit card from " XXXX XXXX XXXX  ''. Within less than 10 days of having the card, there was initial fee {$75.00} on the online statement. I call the company on XX/XX/2015, to close the card. They informed since, I only had card withing less than 15 days, they were not going to report anything to credit bureau. At that time I only owe them around {$100.00}. I sent money order withing 2 days of cancelled the card to in California, which they provided to me over the phone when I was cancelling the card. 

Almost year and half later, I checked my credit report and saw XXXX XXXX XXXX Had been reporting to the credit bureau. Infact they had reported 7 months current payment and 8 months non-payment. I had send dispute to the 3 credit bureau and they didn't resolve my issue. 

I contacted XXXX XXXX XXXX in my state. XXXX XXXX XXXX did removed the negative reporting. 

While this was happening LVNV Funding LLC took over the false debt and start reporting my credit report. I had send several disputes them and they would not remove false debt. I need help solving this issue. Below is the account in question information. 


Original Creditor : XXXX XXXX XXXX, XXXX. 
Current Owner : LVNV Funding LLC Account Number : XXXX Reference Number : XXXX Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX is reporting a fraudulent and negative account that doesn't belong to me. i have notified them numerous times, via mail, via phone and email and they have failed to rectify this urgent issue. they have failed responding within the allowable time frames for disputes like this and they are still not getting in trouble for these violations. they have failed numerous times and this is not the only time with us. my husband worked for XXXX XXXX XXXX and they laid him off with numerous other employees here in our town which made headlines. they had him leave work and didn't allow him to get his personal items.they advised they would mail them to him and never did. this was multiple years ago now and they failed to respond to that after numerous follow ups. they also continually charged my bank account monthly services charges even though we are on XXXX and those fees should be waived as well as receive multiple checks via direct deposit which also waives fees. they are ridiculous and have failed our accounts now multiples times as you can read in what i can fit here, i could go on with more details and documentation i have but there is no time or room for all that. now after multiple complaints they finally refunded our account {$75.00} for the fees they continually charged and shouldn't have but would do it for months for mew and had me call in and continues to worsen my XXXX health which they were also aware of and didn't care. they had the ability to make it right and didn't for months and made me be without, which they seem to like to do. they have violated so many things and i will bring a lawsuit next and class suit for all these multiple violations if they do not once and for all make this right and correct this matter at once and that is to remove the negative and fraudulent credit card account from records of mine as it doesn't belong to me and should have been handled properly years ago. this is out of hand and needs resolution now. im writing to the top of XXXX  XXXX XXXX and agencies that can and will help to resolve this once and for all. maybe it took being the safest city and becoming the headlined city with what has recently occurred in our town so near and close. maybe it was being evacuated and realizing we need to speak out about what is wrong and it needs to be made right and this is this matter. 

sincerely, 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 2018-11-11
Company: Experian Information Solutions 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:
Experian is reporting accounts that was open up fraudently in my name and refusing to remove them. Three XXXX XXXX accounts opened XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. One XXXX XXXX open XX/XX/XXXX, One XXXX XXXX open XX/XX/XXXX. 

They are also reporting address from XXXX XXXX, IL that do not belong to 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 non-monetary relief
Consumer complaint received 2018-11-11
Company: Experian Information Solutions Inc.
State: TN
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:
starting on XXXX XXXX thur XXXX XXXX, XXXX i have disputed serveral accounts on my credit report with XXXX XXXX. XXXX XXXX XXXX, GA XXXX, Experian XXXX. XXXX  XXXX XXXX, TX XXXX, XXXX XXXX XXXX Consumer Dispute Center XXXX   XXXX XXXX  XXXX XXXX, PA. XXXX, and i have requested validation of debits listed below and a copy of my wetting signature per the fcra and if not for them to remove from my file. the deputes were sent certified mail and i have copys of everything.the third depute i sent all three failed to give me any proper documentation with my signature on it and they have now refused to take any more information about my deputes unless it is new information. they are not following the rules per the fcra and i have no more options but to file a complaint and take legal action against all three credit reporting agency s listed above .they are in clear violation of the fcra .they refuse to do a proper investigation and provide that in 30 days. 

XXXX debts account number XXXX unverified account. 
XXXX/XXXX  or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 
XXXX/XXXX or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 

thank you 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