BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a business owner and have been banking with Chase financial Institution for many years, all of my business and personal banking needs as well as credit cards. During the pandemic In XXXX I and my partner were in the process of selling our business to potential buyers. Before the sale was closed and escrow requirements were met, we noticed significant amount of Business Credit inquiries on our business, which were not being inquired by us. When we found out about it, we warned them that law enforcement will be involved if they do not stop and the sale never went through. After that they disappeared. In mid XXXX I found out that I became a victim of identity theft and multiple fraudulent transactions appeared on some of my accounts. Both of my personal and business accounts were compromised. I found out about the fraudulent activities when a lot of my business and personal payments started returning. My accounts started hitting negative balances which further resulted in return payments and closure of my accounts. Up until today I am still receiving emails that unknown parties are attempting to login into some of my various accounts. 
So once I found out, I called Chase and opened several claims from XXXX XXXX XXXX merchant. It went on for several months and chase had been continuously telling me that the claims were denied. At first the reasoning was completely different than later in the process. At first the claims were denied because of the 60 day rule, which is not what my phone records indicate. After explaining and persisting they reopened the claims and denied it for completely different reason. 
Throughout this time I received and opened an email from the merchant XXXX XXXX XXXX that was being disputed, which stated that {$17000.00} was charged back by my financial institution. But Chase never disclosed this to me. They kept denying the claims. Furthermore, after researching I found out that Chase collected the money and closed some negative balances that had occurred and every Claims supervisor kept telling me that the claims are being denied. Chase collected the money and did not disclose the fact to me and neglected me. So, for more than 3 months I have been ridiculed, neglected, manipulated by the very financial institution I banked with and was told that claims are denied. If the claims were denied as I was being told on multiple phone calls all this time for months, how can Chase secretly collect money from the merchant for certain transactions and deny the others in the same claim and misinform me. How can it take the executive team weeks to find out why was this fact hidden from me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my name is XXXX XXXX. I am a XXXX person on Soc. Sec. I have placed complaints before on Ocwen Loan servicing LLC. All payments have been on time for 13 years. 
I have a XX/XX/XXXX Loan Modification for which I presented hardship. my Loan has a no prepayment penalty clause. This matter was placed before the XXXX Superior Court which ruled Ovcwen to be in breach and violations. In XX/XX/XXXX settled. Ocwen had me assume a forgiven {$120000.00}. upon payments difficulties I contacted Ocwen and their attorney for which I sent you response on last complaint. See enclosed documents showing specific clauses quoted by Ocwen ; s attorney and manner by which payments were to be made on loan. Please note specifics that for any references in the future there was no need but to follow payment of UPB then make payments to deferred principal thereafter which I have made for over a year. please note I am on a food program in order to send Ocwen my entire Soc. Sec. check. Ocwen in stead began placing loan in red although I sent them all my family 's savings as there are several of us XXXX in the home. several checks were sent of {$28000.00} {$12000.00} and numerous {$1600.00} and {$1500.00} totalling about {$100000.00} dollars in the last year, loan account is still in red, and recently a un-requested charged appraisal was made with request to refund. none to date. ocwen informed me in XX/XX/XXXX payments sent will no longer be accepted as they want me to pay total deferred amount which I can not. please see XX/XX/XXXX mod. and no prepayment penalty statement. after a year making payments to deferred principal for this loan. please note I suffered a XXXX XXXX and two XXXX and uncontrolble XXXX which I advised Ocwen about due to Ocwen actions. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a home equity line of credit from Citizens Bank, NA. Every month I was giving an extra {$1500.00} a month all towards the principal amount. I was also paying the minimum payments of principal and interest. So now it came to my attention that the bank was taking an extra interest amount off of the XXXX extra I gave a month. I asked them to correct the issue and they did and went back a couple months. I wanted the entire Line redone correctly because the bank is keeping all the extra money I gave because they misdirected payments. Please help with this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: EQUIFAX, 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:
There was a XXXX Credit Card Opened in My name on XX/XX/2013 ( 4 yrs, 4 mos ) Balance Owed is {$18000.00} which is 122 % over the credit limit due to interest charges and fees accurred

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Lending Club Corp
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I had a loan through them prior. So I logged online to do the no inquiry rate check on a new loan. I put all my info in and it said I was approved. The rate was too high for my credit score so I decided not to go any further with the application. It was also asking me to upload my paycheck stub to proceed any further. Which I did not do. Then a few days later LendingClub deposited the funds into my account! Come to find out buried in the phone book of size 1 font disclosures, just by checking my rate from the invitation they mailed me, they had singed a promissory note on my behalf, waived proof of income and proceeded to financially XXXX me and deposit funds into my account. I sat on hold twice for over an hour before finally hanging up. I sent 20+ emails to XXXX and XXXX. I asked them to immediately cancel this loan I did not consent too and was told I had to pay back some XXXX dollar hidden fee I didn't even know about! Finally someone named XXXX emailed back and said they would cancel the loan. They took the deposit back out of my checking account but when I log into lending club it still shows I have two payments remaining for XXXX dollar fee theyre trying to charge me. This is crazy. You call and they say you have to talk to customer service where you sit on hold for eternity. I have emailed multiple times and they keep saying they're working on it. It's been 5 days! This is so wrong what they did. I work in finance.. think of all the people that don't know any better and lendingclub just gets away with it. There are so many FTC/UDAP violations they're breaking here. Please help me get this loan I did not consent to canceled and ensure they don't do this to unsuspecting people in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello ; how can you be late 120 days on collections account for {$800.00}? Isn't the collection account by default late and past due? This is a violation of FCRA and it's causing this account to illegally re-aged. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Experian Information Solutions 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:
XXXX XXXX Responsibility of furnishes of information to consumers reporting agencies ( a ) Duty of Furnishers of information to provide accurate information A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or his reasonable cause to believe that the information is inaccurate. 

My proof of evidence is the third party reporting agency XXXX. This reporting agency is being used by all three agencies Experian, XXXX, and XXXX. They all confirmed that my consumer information is correct. But it a problem I am not a her. So all the information being given and shared has me as a her. I have provided the evidence.

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 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. 

The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 

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 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 explanation
Consumer complaint received 2020-11-25
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 belongs to someone else

Complaint:
Ive contacted Equifax multiple times in reference to fraudulent information found on my credit report, and what method they are using to verify it. There is a Bankruptcy that shows on my Equifax credit file on, and it doesnt belong to me. I have asked for it to be removed, I have asked for the method of verification and how the Bankruptcy was validated, including the name of the person and phone number that was called to validate the debt, I have yet to receive this information. 
I wrote a formal complaint to Equifax on XX/XX/20 requesting an investigation into an inaccurate and incomplete credit information. I demanded that they remove the Chapter XXXX and XXXX bankruptcy from my account due to the fact that it was not mine. I did not hear from them after 90 days so I wrote them again on XX/XX/20 using certified mail to remove said items from my report, but much to my chagrin, nothing has occurred. I have included a copy of the second letter along with the receipt of the certified letter that was sent to Equifax. I sent proof of the bankruptcy court stating that they DO NOT REPORT ANY FILINGS TO THE CREDIT AGENCIES. I sent proof that XXXX XXXX has no record of this either. 
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below. It is listed that XXXX XXXX is the 3rd party Furnisher of this bankruptcy listing but when I reached out to XXXX XXXX, they show no record of the bankruptcy. I have attached a copy of the letter and I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results. 
If you have any questions, I am free to discuss this situation. 
Thank you in advance for you assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Gordon & Wong Law Group, P.C.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was paying Gordon & Wong a monthly payment of {$50.00} and sent to their address on XXXX XXXX. in XXXX the payment was returned. I tried to submit payment again in XXXX, and XXXX with the same result. I also called the business on XX/XX/XXXX and XX/XX/XXXX, but was unable to leave a message. 

Fast forward to XX/XX/XXXX when I received a 5 day notice to pay a past due amount of {$350.00}. I had never received any written, verbal, or electronic notice from them, despite the fact that I was told they had sent notice of their new address in XXXX and XXXX. 

I couldn't send a payment if I didn't know where to send it. I should not be held responsible for past due, or in the very least, be given some leeway on the past due amount, since I never received any written notice on their change of address, though they insist that they sent it. This is not the first time this has happened with this company, as I had initially found out they had taken over my debt by receiving a wage garnishment notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I refinanced a student loan that was serviced by Firstmark Services ( " Firstmark ''  ) with a new refinance loan ( the " Refinance Loan '' ) serviced by XXXX XXXX XXXX ( " XXXX '' ). The Refinance Loan was disbursed on XX/XX/2019 in the amount of {$84000.00}. On that date, the balance of my existing student loan was {$78000.00}, which led to an overpayment when the Refinance Loan was disbursed. I've been informed by Firstmark that a check ( # XXXX ) in the amount of {$5100.00} was sent to XXXX on XX/XX/2019. As of XX/XX/2019, XXXX claims they have not received it and can not tell me how long it would take to process said check if and when they receive it. Since XX/XX/2019 I have made multiple calls to both loan servicers and am not receiving proper guidance or assistance by either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: FL
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
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 belongs to someone else

Complaint:
I am in total disgust, distressed and livid at the fact that your company is reporting an error on my credit file. Ive sent 10 certified letters in for this account alone. I believe that this account is reporting fraudulently whether your company is placing it or whomever. This is my final letter to remove this account off of my credit file immediately and permanently. I am allowing 72 hours for the investigation of this account, and I am demanding that this error/fraudulent account is removed. I will be following up within a few days. I have attached a few documents. After your response I will be taking legal actions upon your company for placing errors on my account. I am a victim of identity theft and my file has been tampered with. Your company is the reason for weird accounts reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation