BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-22
Company: Experian Information Solutions Inc.
State: AL
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:
I recently applied for a townhouse and I didn't get approved. I couldn't understand why until I checked my credit report. I have several items on my credit report that are not mine. I don't understand what's going on but these items are not mine, I didn't approve any of these items and they all need to be deleted from my credit report. I've contacted the FTC and the police. I'm doing this on my own behalf. 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. ( Inquiries ) : 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/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 2018-11-19
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I make additional principal payments every month. I also run a loan payment program to assure my numbers agree with the XXXX XXXX XXXX statements. The lender and I disagree most months by one cent, always in XXXX 's favor, but in XXXX of this year there was a significant discrepancy in the balance. I called the " contact us '' number on XX/XX/2018 and spoke with XXXX ( # XXXX ).  XXXX told me lender had moved {$530.00} in error from my principal payment to the escrow account. I told XXXX that I wanted the error corrected and I requested a written accounting of the error, correction, and balances to demonstrate I have not been injured in any manner. XXXX sid she would send an explanation and correct the problem. Neither occurred. 
On XX/XX/2018, XXXX XXXX, after holding for 42 minutes, I spoke with XXXX ( # XXXX ). I attempted to explain the error and lack of correction and lack of requested documentation. Rather than assist me, XXXX placed me back on hold until the call center closed and my call was disconnected. Twice I have sent a message through the " contact us '' at XXXX XXXX XXXX XXXX XXXX   and not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: JPMORGAN CHASE & CO.
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 leased a car through XXXX and was approved by Chase Auto Finance, I don't ever recall setting up " electronic statements '' so Chase never sent me a bill. I was waiting for my bill and fell 2 payments behind which in turn they reported me late to my credit report agency.

I chatted with a customer service representative who kept emphasizing I was a " high risk '' account and kept explaining how I am able to make a payment to an account where I dot have access too online or over the phone because I don't have my account number. 

I made a prompt payment and am current on my payments, I was told they would review my account however I need removal of the late reporting due to bank error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I recently found identity theft on XX/XX/2018 using an internet monitoring service. All accounts listed in this report are fraud, Wrong Spelling my name, Wrong Addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo. This is my XXXX complaint. This time, no one will return my call to let me know what my monthly payment would be IF I decided to pay off the taxes that they paid for me in full.

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 2018-06-17
Company: EQUIFAX, INC.
State: NC
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 disputed the XXXXXXXX XXXX account XXXX with all 3 Credit Reporting agencies they updated I accurate information noting that the furnished of the information Guaranteed that the information was accurate. The FCRA says that these companies must do an independent investigation not jut take the furnishers word for it .they are willfully violating the FCRA an also my rights they have the proof that this account is not accurate but in fact erroneous an should be deleted  according to federal consumer protection laws .this account has been reporting in error since it opened with the creditor breaching the contract with an unscheduled monthly payment before payments were scheduled to begain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
To Whom It May Concern : I received an alert from Experian about an account being reported by XXXX. Please be advised I have requested validation { not verification } of an item reported to Experian by XXXX. I have received a response through CFPB that clearly violates my rights according to the HIPAA Act of 1996. 

I have filed a HIPPA violation with the Florida Department of Health for XXXX XXXX XXXX XXXX. And XXXX did NOT provide me a HIPPA release for my medical information to be sent to them, therefore by XXXX XXXX providing such information they are in VIOLATION of my HIPPA rights. 

I am proceeding with legal action as prescribed by law against XXXX should this item not be deleted within the required time allowed by law. XXXX is in direct violation of HIPPA regulations, and they are facing fines up to {$1000.00}, even possible jail time. XXXX   IS NOT LICENSED TO COLLECT ANY DEBT IN FLORIDA. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.

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 2018-08-06
Company: Credit Clearing House of America, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This item showed up on my credit report .I have never had a contract with them not have I ever received an itemized bill from day one or a contract that they own this.i have no signed contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i HAVE 5 DIFFERENT STATE TAX LIENS ON MY CREDIT REPORT I CONTACTED MY COUNTY TAX OFFICE ; CLERK OF COURT AND IMMEDIATELY GOT A SATISFACTION OF THE 5 TAX LIENS UNDER MY NAME. I CONTACTED THE SC DEPT OF REVENUE WHO SAID IT WAS NOT TO BE ON MY CREDIT AND SENT ME LIEN SATISFACTION AND LETTERS TO THE THREE CREDIT AGENCIES. THIS HAS BEEN SIX MONTHS AGO AND ITS STILL THERE. ALSO I HAVE A DENTAL BILL FOR OVER XXXX ON MY CREDIT THAT IS NOT MINE. HELP ME.MY CREDIT IS HORRIBLE

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 2018-11-20
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Set up an interested only pymt plan on XX/XX/XXXX with XXXX, initial payment taken on XX/XX/XXXX next was taken out on XX/XX/XXXX. Rec 'd voicemail from acct mgr, XXXX on XX/XX/XXXX stated that the pymt plan there was a problem with it and he needs to address it and if I want his help in protecting my business going forward I need to call him. I called back on XX/XX/XXXX spoke with XXXX who stated that I wasn't supposed to be put on the pymt plan because I just had one XX/XX/XXXX I said ok who's fault is that? It's XX/XX/XXXX go ahead and keep the plan going or start it over, she said she could not do that, I said cancel the pymts and I'll call back because I needed to make another call. Called back and spoke with XXXX who went through the same sad story saying I would not be eligible for the plan until XX/XX/XXXX now and that my options are to pay $ 50+ or $ 80+ to get a different plan I requested a supervisor, XXXX came on the line, questioning everything, said that I could not get a $ 20+ payment and their mistake oh well, I asked for his manager, he claimed none was there, over talked me, said I wasn't getting anything and hung up on me. I called back again asked to speak with a manager Ms. XXXX who allowed me to explain everything, she apologized for the initial rep being incorrect but explained that this lil {$3000.00} loan means nothing in the long run and it's going to hurt me more than it will hurt them, etc when I told her to cancel all future payments. She refused to send me confirmation that the payments were canceled and said that they can not continue to allow me to be on any interest only payment plans period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 disputed the XXXXXXXX XXXX account XXXX with all 3 Credit Reporting agencies they updated I accurate information noting that the furnished of the information Guaranteed that the information was accurate. The FCRA says that these companies must do an independent investigation not jut take the furnishers word for it .they are willfully violating the FCRA an also my rights they have the proof that this account is not accurate but in fact erroneous an should be deleted according to federal consumer protection laws .this account has been reporting in error since it opened with the creditor breaching the contract with an unscheduled monthly payment before payments were scheduled to begain.

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 2020-10-13
Company: EQUIFAX, INC.
State: OH
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 recently paid off my collection account with XXXX XXXX XXXX XXXX. The agency has now changed its policies when it comes to accounts which are 2 years old. The agency will now delete the account from all 3 credit bureaus once the account is paid in full. See attached file. Equifax did initially remove the account, but has recently added it back to my credit report. It has already been removed from XXXX, and XXXX. I contacted XXXX XXXX XXXX Services, XXXX XXXX XXXX XXXX and they informed me that Equifax added this back without authorization from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I've had my Discover It card for quite some time now ; I was given a Credit Limit of {$1000.00}, I've never been late and didn't have it fully maxed out but they lowered my limit from {$1000.00} down to {$800.00} for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: JPMORGAN CHASE & CO.
State: RI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In XXXX my wife and I purchased a sail boat. The mortgage was held by Washington Mutual, XXXX Wa. In XXXX we paid off the mortgage for the boat and I received a Discharge of Mortgage. In XXXX our first floor of our house was washed out by Hurricane XXXX and we lost all of our paperwork including the Dishage of Mortgage. In XXXX I sold the boat. When the new owner tried to register the sail boat with the XXXX Documentation office they told the new owner he could n't because they never received the Discharge of Mortgage paperwork from Washington Mutual. I contacted JP Morgan/Chase and asked them to supply one. They explained to me that they only transferred electronically into their system account information that had open liens or mortgages. I then contacted Washington State DMV to see if they had record of my mortgage. They explained to me that they only keep records for six ( 6 ) years once they have received a Discharge of Mortgage notice. They suggested I contact the Credit Bureau which I did. They ran my credit history and there was no information on the report concerning our loan with Washington Mutual. They explained to me that meant I had paid off the mortgage and they do not keep payed off loan info for more than 10 years. So here we are, caught between a rock and a hard place and we may have to return the money we received from the sale of the sail boat because I can not prove to the XXXX XXXX Documentation office that we paid off our loan with Washington Mutual.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I purchased an XXXX from a seller over the internet on XX/XX/18. I sent two transactions for {$300.00} and {$250.00} for a total of {$550.00} ( which was the cost of the phone ) via the banking app XXXX. I received a confirmation invoice but then the seller blocked my number and instagram and I am unable to contact them. I attempted to request {$550.00} back from them through the XXXX app but was told by Chase that they declined the payment. I was convinced that the transaction would be backed by my bank since it was linked to my Chase account. The seller did not respond to my texts or calls and has not issued a refund for the amount. I have not received the product and know this was a scam. I contacted Chase and they informed me they couldn't do anything because I initiated a transaction. They would not cancel the payment or put a stop on it. I tried contacting XXXX but was unable to get through to their customer service department. I think it is unfair that XXXX isn't backed by the Chase Bank even though we are able to send transactions straight from the app. 

I have attached the confirmations I received from the seller and the invoice. I also attached the email that was sent to me by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, INC.
State: VA
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 have XXXX student loans in forbearance with XXXX totaling approximately {$4400.00}. Of that amount {$XXXX} is a subsidized loan with a principal balance of {$XXXX} and {$XXXX} interest opened XX/XX/XXXX. The next payment is due XX/XX/XXXX. 

Also on my report is an account with XXXX XXXX XXXX with a balance of {$XXXX}. This account is in collections and it was originally opened XX/XX/XXXX. 

The account in collections ( XXXX  ) is a duplicate of the account thats in forbearance ( XXXX ) and has caused me an issue obtaining a needed automobile loan as recent as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Midwest Recovery Systems
State: SC
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:
Midwest Recovery System has fraudulently reported an account on my credit that I did not open with XXXX XXXX this year. The address of the company is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO. The telephone number is XXXX. The amount that I supposedly owe is {$740.00}. This company has also been calling me daily in regards to this fraudulent account. I discovered this fraudulent account from my credit report and disputed it with XXXX. I was not able to do so with XXXX and XXXX, but I will if applicable. Please assist me in getting this fraudulent account removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Web site for payments was unavailable to make payments. The alternative was to pay by phone. I was charged a service fee of {$14.00} to use this service. Bank refused to reverse this charge even though it was their web site unavailability that forced me to use the phone service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
JP Morgan Chase has decided to decrease my credit limit and did so without notification of doing so. The decrease was more than half of my previous limit for over 5 years. Because of lack of notice I used the cad. the usage would have been less of 10 % but because of the decrease I am now in danger at 50 %. I am currently in the process of trying to buy a home and other financial decisions. I called and escalated my issue ( XXXX ) and was met with an option to make a hard inquiry on my report. Again causing further credit damaging issues. 

The fact of lack of notification is my biggest issue. Note I have paid on time have good credit and been a long time customer. Banks need to honor their customers and offer more transparency in evaluating. We are humans making real life decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
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 belongs to someone else

Complaint:
I recently found identity theft onXX/XX/2018 using an internet monitoring service. All accounts listed in this report are fraud, Wrong Spelling my name, Wrong Addresses.

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 2020-08-16
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
New York & Company closed my account a few days after I made a {$300.00} purchase in the store and a month after they had just increased my credit limit. I called to inquire why they said it was due to my credit report monitoring and that they did not have to tell me a specific reason, I have never had delinquency with this card. My credit score is way higher than when I originally obtained this card I have an excellent payment history on this card and all other commenity bank cards that I have had ( XXXX, Victoria Secret,  XXXX ) just to name a few and all of these cards are still open. So this makes no sense and their only answer was for me to contact the credit bureaus and I asked what for I have my credit report monitoring that I pay for and there is no negative recent issues this makes no sense and they are closing stores locally by me due to Covid and I think they are just shutting down cards I even pay for insurance on this card through Assure if I ever stop working so there is ZERO reasons my card was closed. In fact they negatively affected my credit history by closing the card.

Company response to consumer: Closed with explanation