BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX owed my boyfriend money for a purchase. He called customer service to get it resolved and they made him download an app to prove his identity to send the funds. He spoke with multiple managers to confirm this direction. It didnt work so he asked me to help. They reassured me it would just be a hold on the account and they wouldnt actually take my money. I knew in my gut it was weird and wrong, but my boyfriend was pressuring me to help because he wanted to get the money back he was owed. I sent them {XXXX} via XXXX and of course it went through, but they were unable to return the money to me. They kept asking me to download another cash app or share my credit card info and by now I knew it was a scam so I refused. Chase has a policy against refunding incorrect XXXX  payments. I understand this policy, but Id think if youre victim to a scam theyd be able to assist. Unfortunately, that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company refuses to send a legally binding contract/agreement. This is a fraudulent account and they are not providing me with any proof.

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 2021-11-22
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 am XXXX XXXX and I am submitting this complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in TransUnion. Lets correct this immediately. TransUnion is required to verify for themselves, but they failed to neither verify nor update me about this complaint. REMOVE this account immediately : ( 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 2019-05-01
Company: USI Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
USI Solutions, Inc has contacted me several times between XX/XX/XXXX and XX/XX/XXXX. I have requested a copy of the signed note and was refused each time. Three times I was placed on hold and hung up on. XX/XX/XXXX I again requested proof and was accused of playing games and stalling. I was offered my social security number as proof. During repeated attempts to be cordial I was berated for my age, maturity, character and being bitter about a previous relationship. I then asked for transcripts of the conversation we had been having and was also denied. After a few futial attempts in my requests and being placed on hold six times I was connected to a Manager. The self declared manager also refused proof and transcripts of our conversations. It was after going around a few times in my request that I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have review many times with the three credit bureaus my address and try to fix this many times and this gets to be very exhausting. I have also filed a police report as well. Yea half ago my mail just stop coming to my addres were I live so u have to pay for a XXXX XXXX XXXX. The post master never figure it out and never got back to me. I have called many times each of all the credit cards and loan companys every time I move what my new adtesss is. I also do a fowarding address. I am not a big fan of getting paper statements. I will get them electronically sent to me cause of this issue. I know for a fact when I left one address for the first three years I did not have mail going there I only had one just automatically show up there. After threee years. So I made the phone call to XXXX XXXX fixed it. Now I have 9 places that are reports my address. How does that eve. Happen. What is the casue of that. XXXX XXXX XXXX I use the app I know they dont have my old address. XXXX XXXX I know they dont have my old address I have my current one right here in front of me. Also it makes me worry that I have student loans going to an old address there are nine credit cards going to to an old address I am wondering if someone has open stuff in my name. I have claimed identity theft so many times to these banks they do not listen to me. They have cancelled my cards all in in one month. These cards all get closed for no reason on me then I see charges on my card that I dont recognize. XXXX XXXX XXXX is the worse they have three different address for me. This needs to be rectified. Were is Experian getting this information from. My credit report looks really bad it has caused emotional distress. I had to leave work casue of it. I need this fixed. Every time I dispute with Experian they just pretend they look at say it was fixed. They dont even do leg work. They come back and say its accurate. The only way they will go above for u is if u pay XXXX dollars a month

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 2021-11-22
Company: EQUIFAX, 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 am XXXX XXXX and I am submitting this complaint myself. This item is reporting late, yet it is closed and the balance is XXXX as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. REMOVE this account immediately : ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
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: Account status incorrect

Complaint:
XXXX XXXX XXXX reported 90 day late payment on my credit report and I wasn't late 90 days.

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 2022-09-15
Company: BSI Financial Holdings, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I was approved for a VA Loan Modification with XXXX XXXXXXXX. I honored each step of the VA Loan Modification. I successfully paid each Trial Period Payments. On XX/XX/XXXX, I signed a Loan Modification Agreement between XXXX XXXX XXXX ( lender ) and myself. In the agreement it states as of XX/XX/XXXX, that borrower ( XXXX XXXX ) agrees to pay {$260000.00}, the interest will be 3.625 % beginning XXXX of XXXX. This is to remain in effect until XX/XX/XXXX of XXXX. ( Please see enclosed documents ). On XX/XX/XXXX, XXXX XXXXXXXX sent a letter of Notice of Mortgage Serving Transfer ( attached documents enclosed ). Then a second letter from BSI financial on XX/XX/XXXX of XXXX. 
I understand under Federal Law that the contractual agreement between XXXX XXXX XXXX and myself is supposed to be honored by BSI Financial. Please provide an explanation as to why my interest rate continues to be 5.75 % instead of 3.625 %. Why my payment is {$2200.00} instead of {$1900.00} per the original agreement between XXXX XXXX I understand under RESPA, Fair Credit Reporting Act and the Consumer Financial Protection Bureau, that failing to convert a trial modification into a permanent modification and failing to honor a modification agreement after a servicing transfer is a violation of law. Please explain why BSI has failed to honor the contractual loan modification established between XXXX XXXX. Under federal law, if a complete loss mitigation application is pending at the time of a servicing transfer but hasn't been evaluated, the new servicer has to review the application within 30 days of the transfer date. BSI did not review my loan modification in 30 days or less. According to the Federal law BSI is supposed to review the modification under the guidelines of XXXX XXXX not BSI, please explain why BSI failed to honor this guideline according to the Federal Laws in place? I received my first notice about loss mitigation dated XX/XX/XXXX of XXXX, from XXXX XXXX. Please explain the exceeds the 30 days according to the Federal law, please explain. Also, a servicing transfer shouldn't affect a borrower 's ability to accept or reject a loss mitigation option offered by the prior servicer. If a new servicer comes into the picture and the time frame for accepting or rejecting a loss mitigation option offered by the old servicer hasn't expired as of the transfer date, the new servicer must allow the borrower to accept or reject the offer during the unexpired balance of the applicable time period. Please see the enclosed document, why is my loan modification contract not been honored by BSI Financial according to the federal law ( s )? Please refer to CFPB XXXX Mortgage transfer disclosures. 

BSI Financial why are you not honoring the agreement established between XXXX XXXX and I ( XXXX XXXX )? 
BSI Financial do you agree I had that loan modification with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft that occurred in 2015 or before.. I became aware of the breach and took action in 2015.

I have filed a police report and your FTC Affidavit.

I am a XXXX XXXX and can not seem to understand why this company keeps pursuing me on a debt that is not mine.. This is crazy.. especially a debt that does not belong to me. I am getting ready to sue these people but before I spend additional money trying to resolve this I figured I would reach out to my government.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX. 

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 consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make consumer report containing any of the following items of information. Any adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

These items are having a negative affect on my credit report and are preventing me from getting a equity loan to consolidate my debt.

thank you for you assistance in these matters.

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 2020-09-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
The investigation took more than 30 days. They refuse to respond to that. Th investigation by law can not take more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2012 I received a notification from XXXX that there was an update to my credit file. While reviewing the update it showed a collections account through National Credit System in the amount of {$11000.00}. I personally reached out to National Credit System to obtain information on this. They said that they were a collections agency and this was a collections account for rental property called XXXX  XXXX XXXX. The rep at National Credit System that there was a rental property that was completed online under my name for an individual by the name of XXXX XXXX and was never moved into. This is something that was done without my knowledge and not something authorized by me. I have attempted to reach out to XXXX XXXX XXXX to obtain information around this rental and report it as fraudulent over 5 times unsuccessfully ( 3 times via phone and lm with receptionist for management to call back and then 2 times from the site with my email as a point of contact ). I am personally reaching out to obtain information and start the process of reporting this as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2019-12-13
Company: Angel Oak Mortgage Solutions LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I arranged a mortgage loan funded thru Angel Oak Mortgage Solutions LLC., which closed XX/XX/2018. A flood insurance policy was required to close. I obtained an agent for that and Angel Oak 'Net funded ' the loan so that they were to pay the premium due of {$550.00}. 

Angel Aok did NOT fund the policy ; quickly sold or transfered the loan and the subsequent company made me pay for the insurance a second time. 

The borker who aranged the loan ( XXXX XXXX ) at XXXX XXXX XXXX tried to help me to get them to fix this but after talking to numerous people, some of whose names are on the forms being uploaded, i have still not received back the XXXX. 

Angel Aok apparently kept my money. Simple as that. Now they won't give it back after numerous poilte efforts to obtain that. 

I am attaching a sheet showing the Net Funding ; the Closing Disclosure and a letter demanding the payment from the company Angel Oak tranfsered/sold the loan to.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are multiple misspellings of my name, inaccurate phone numbers and addresses i am not associated with. I would like to make sure my credit report is up to date and has the correct information. There is also an incorrect social security number connected to my name. 

These names are incorrect : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX A XXXX, XXXX XXXX XXXX These addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX. numbers are not associated to me : XXXX, XXXX, XXXX Incorrect social security number : 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 2019-12-13
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
{$220.00} has being stolen from my mortgage payment twice by TIAA. During XX/XX/XXXX there was a hurricane in Texas. My home didnt experience any flooding, however, my homeowners insurance premium doubled. It took me several months to find new, reasonably priced, insurance. During this time, I had a lapse in home insurance of one month. My mortgage company at the time, XXXX, purchased insurance on my behalf and charged me {$220.00}. I didnt have an escrow account associated with my mortgage at the time. The {$220.00} insurance payment appeared on my XXXX statement as a - {$220.00} escrow balance. The loan was purchased by TIAA in XX/XX/XXXX. TIAA applied {$220.00} of my principle payment toward the - {$220.00} in XX/XX/XXXX. I provided documentation that I didnt owe {$220.00} for escrow and TIAA reapplied the {$220.00} back toward the principle and the - {$220.00} escrow amount appeared again on the mortgage statement. In XX/XX/XXXX they took {$220.00} from my principle payment again. This time they are refusing to replace the misappropriated payment toward the principle essentially stealing {$220.00} from my mortgage payment. I have requested corrective action several times to no avail. This may not seem to be allot of money, but my husband and I work very hard to pay our mortgage on time and it is unacceptable for any portion of our payments to be stolen from it. Please help us resolve this issue once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: EQUIFAX, INC.
State: TN
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 have received several unauthorized inquiries on my credit profile. I noticed that some of the inquiries traversed across all XXXX credit bureaus. I sent in dispute letter to all XXXX bureaus and XXXX ( XXXX and XXXX ) of the bureaus have complied with removing the unauthorized inquiries. However, Equifax is refusing to remove the fraudulent inquiries and is demanding police reports and FTC documents to considering removing these inquiries. 

I did not authorized any one to place inquiries on my behave. I have sent several letters to XXXX and filed several complaints with regards toi these inquires. I have even sent certified mail to Equifax to resolve this problem. To date, they are refusing to remove these inquiries and this is causing a financial hardship because of the effects of these inquiries. I am in the process of a home purchase and my good credit is being tarnished by the unauthorized inquiries and my even make me ineligible to obtain this purchase at a undesirable interest rate. It may even assist disqualifying me to obtain the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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