BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-21
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Used Chase ATM : Wednesday XXXX XXXX XXXX  Using XXXX Debit Card withdrawal {$220.00} ( have used same ATM several times before, it charges me {$3.00} fee to withdraw money from XXXX. I prefer Chase ATM because I can get {$100.00} 's, {$20.00} 's and {$5.00} 's. This withdrawal specifically was {$220.00}. Everything went fine until it went to dispense cash, I heard it run through a couple times and then nothing, no cash was dispensed, only ATM Slip that shows withdrawal from checking $ XXXX+fees ( completed ) but below it says " We're Sorry ATM Can not Dispense Cash At This Time please contact XXXX ( XXXX ) XXXX '' So I am freaking out and call the #, they tell me since I am not a Chase customer they can't help me. I call XXXX and everything on their end shows that I got the money from a completed ATM withdrawal. This is the problem I dont want to file a dispute with XXXX when it was Chase ATM that is the problem. I decided to wait until the following day and call at XXXX. I speak with XXXX who I explain situation, shes very cordial and understanding and says she will call me back. She calls back and explains I have to go through XXXX. I dont accept that answer and ask for her supervisor, she says she will have Branch manager contact me. By XXXX that night I havent heard from the manager, so I go into the bank, the branch manager reluctantly helps me after making me wait for 15-20 minutes. He explains theirs nothing they can do and I ask when they balance the ATM because it will be positive {$220.00} that is my cash, he says once a week but he isnt willing to help. I explain, why would I file an investigation on a complete ATM withdrawal that isnt XXXX issue, its Chase. He says since I am not a Chase customer he can't help me. I asked for his supervisor because I explain I needed that cash Wednesday night, not in 2 weeks from now. He gives me his supervisor 'contact info. No remorse, etc, just more of a sorry man its not my deal, although he agrees it doesnt make sense for me to call XXXX and file a dispute on a complete ATM withdrawal and ask for a credit. That seems like I just withdrew {$220.00} and then am calling and saying oh it didnt work I need you to credit me back that money. Why would I do that when Chase can just count the ATM and see their is a discrepancy, and he also has seen the slip I got when the error occurred. Please help me rectify this situation, I just want the cash they are holding onto at the Chase Bank. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 applied for an auto loan with XXXX XXXX today XX/XX/2020 and when they ran my credit to see if I qualified, I was told that I did not get approved because there were accounts and inquiries reflecting badly on my credit history. I looked through my credit report and I found four accounts and several inquiries that are not mine. The accounts are from Dept of Ed/XXXX, XXXX XXXX XXXX & US Department of Education ; the inquiries are from many different companies that I have no relationship with. None of these accounts/inquiries belong to me and I have never allowed anyone to open any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I ever contribute to any payments made towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding this incorrect information on 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 2019-06-21
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
To Whom it May Concern, I requested an escrow analysis on my loan subserviced by LoanCare,  XXXX owned by XXXX. The amount being collected was based off an property tax bill generated based on the out of state residency in SC. I contacted LoanCare XX/XX/XXXX notifying them the amount being collected was wrong and it needed to be adjusted. I never received correspondence about status, progress, or additional documentation that may be required. I reached out XX/XX/XXXX to inquiry about the status. 
The tax bill is public record, and all LoanCare had to do was contact XXXX County 's  Assessor 's Office to confirm the tax rate. The escrow department did not reach out to the county, and did not reach out to me about the completed analysis with a determination of " no significant change ''. The annual amount decreased by {$3700.00} or XXXX a month. I call that a significant amount extra to be collected on a monthly basis. 
As a XXXX XXXX XXXX veteran the additional monthly cost has caused a major strain on my budget, and the poor customer service and blatant refusal to do basic due diligence on the customers behalf is appalling. now I approach the end of the month, with late fees, additional servicing fees, and now the possibility of a 30-day credit notice, while LoanCare performs another escrow analysis with a 7-business day turn around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
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: Information belongs to someone else

Complaint:
I reported to credit bureaus, local law enforcement and creditors the errors/fraud reporting on my credit report and nothing has been done. I'm filing a complaint to have fraudulent accounts deleted from my credit report upon receipt of this notice. I contacted the court and they do not have a record of a Bankruptcy Chapter XXXX for my name. So I am requesting it be removed from my public record. XXXX XXXX, XXXX, Dept of Vet affairs, Social Sec Admin, XXXX XXXX, US Dept of Ed, XXXX XXXX, XXXX XXXX, are all fraudulent accounts that I did not authorize, benefit from or was aware of. Please remove them permanently as soon as possible.

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 2019-09-02
Company: Total Card, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following account # : XXXX is a fraudulent account and is not my account. The account is from identity theft. I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of legal action, job loss, jail, prison, violence and death from Total Card , Inc., The XXXX XXXX XXXX XXXX Representatives in regards to the above fraudulent account, which is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: GreenSky, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX XXXX, I called XXXX XXXX, to clean my AC unit and furnace. XXXX XXXX was having a special price to complete both cleanings for {$29.00}. The XXXX XXXX service person, was in the process of cleaning the furnace and brought to my attention the condition of the furnace. The circuit board was burnt around the holes where the diodes and resistors are soldered in. The previous owner installed the furnace directly on the floor, instead of platform, which is the proper way to place a furnace. There were numerous and dangerous issues with the furnace. The service person, advised me that it would be best to replace the furnace. After seeing the pictures of the furnace, I was in agreement. The XXXX XXXX service person, then called the office and a manager was instructed to come to my house to sign a loan agreement. I signed the agreement, thinking that there wasn't an option or an alternative for me, as I didn't have the funds to buy a new furnace and have it installed. Once I began making payments, I noticed the principle balance never decreased. After going over the details of the loan, I also noticed that the majority of the monthly payment, is interest charges on the loan. To date, the balance still remains at above {$10000.00}. I called Greensky and asked them to have the furnace removed and I would find a new one on my own and have it installed. Greensky advised me to call XXXX XXXX, to see if they would be willing to remove the furnace, they refused. Now I am stuck in this payment that is quickly going nowhere. The principle balance and the interest remains the same, after making payments for almost a year now, the same figure remains on the invoice, it does not go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$5900.00} XXXX/XXXX   XXXX {$840.00} XXXX XXXX  XXXX XXXX {$570.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$130.00} XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$790.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$770.00} XXXX/XXXX/XXXX   XXXX {$440.00} XXXX XXXX  XXXX {$570.00} XXXX/XXXX  XXXX {$40000.00} XXXX  XXXX  XXXX {$2600.00} XXXX/XXXX   XXXX {$410.00} XXXX  XXXX {$5500.00}

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 2021-02-15
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
During Covid we were offered Forbearance by our PHH Mortgage over the phone we accepted at the end of our forbearance plan we called and tried to make payments we were told they would no longer accept payments from us until we resolved the forbearance plan we told them that we were able to resume payments they said they will only apply them to the monies owed for forebearance plan we said we were waiting to hear if they were going to allow us to put the forebearance amount on the end of the loan or adjust our mortgage amount to pay it back as we were told when we took the plan. We told them we were very concerned if we let them apply them to the forbearance monies then we would go into default on out current payments they said we can put you on forebearance again???? We said no we want to have our case looked at so we can find out if they are going to allow end of loan or adjust monthly payments on monies owed for forebearance as that is what we were told ... then they had us apply for a decision on that which they never told us we would have to be approved for when they offered this plan. we have had many conversations on scheduled phone calls with our Relationship Manager who we were assigned we have submitted ALL requested documents and we have confirmed that our file was complete and going to the underwriters and they had 30 days to get back to us and we scheduled another call from 30 days from that date when he called us back he said I don't know why they are not giving you an answer please give us 7 more days and I will get supervisor involved scheduled another call and my husband came home from work early and our relationship manager never called or his supervisor as he promised a employee unknown to us called and stated our Relationship manager was busy on another call, we asked to speak to our relationship manager supervisor and the employee said he did not know who he is. We are terrified we are going to lose our home we have complied with everything and still don't have a answer as to what is happening with our home. We have documented all phone calls and names, dates, and times of people we have spoken to through this whole situation. PLEASE HELP US

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Experian Information Solutions 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:
I have LATE payment on my credit report that should never be report because I was attend school. In 2017 I attend college which I attach the certified letter from the VA education office showing all the date that I attend school. I'm requested the late payment to be change to on time payment an current.

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 2020-09-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular law abiding consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single father to a baby girl, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.

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 2021-10-15
Company: STERLING BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My name is XXXX XXXX. I am a Sterling National Bank customer. 

I have an issue I want to resolve, however it seems my bank doesn't want to help me to resolve this. 

On XX/XX/2021 I made some transactions and paid someone I bought something from and the payment went through. However after I received my bank statement, I didn't remember the charge anymore so I filled a fraud dispute mistakenly. 

After few days, I remembered I bought something legitimately and reached out to my bank that it was a valid charge. I told my bank dispute department on the phone to cancel all the disputes I earlier filled. 

The next day I also visited the bank branch and told them to cancel the disputes and write to me officially about the cancellation of the disputes so that I can show the merchant, but my bank has not sent me the letter I requested for. 

I have told my bank several times that the charges involving my debit were valid charges and I do not want to proceed with the disputes anymore. I do not share my card with anyone. 

I am making this complaint because my bank has not written to me about the cancellation of disputes. 

Yesterday I received a letter from my bank saying they had given me provisional credits. How can you give me provisional credits when I have already told you that the charges were valid and you should cancel all disputes I reported. 

The case number is XXXX And my card number is ending in XXXX. 

I will attach a copy of the letter I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: PlusFour, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I sent a letter to Plusfour asking for validation of debt. They sent me a print out of my name and the balance that I owed and black out majority of this small print out. No validity to this letter or validation of debt owed. I live in NC and this debt is from Nevada. I do not recall any of these services rendered. I also call this company and the gentleman I spoke with said they didn't have the license for NC to collect. I don't understand but yet they put this on my credit report and now I can't get them to remove it. I haven't received proof of debt.

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 2020-04-30
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 applied for an auto loan with XXXX XXXX today XX/XX/2020 and when they ran my credit to see if I qualified, I was told that I did not get approved because there were accounts and inquiries reflecting badly on my credit history. I looked through my credit report and I found four accounts and several inquiries that are not mine. The accounts are from Dept of Ed/XXXX, XXXX XXXX XXXX & US Department of Education ; the inquiries are from many different companies that I have no relationship with. None of these accounts/inquiries belong to me and I have never allowed anyone to open any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I ever contribute to any payments made towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding this incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: NC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I spoke with and Representative on XX/XX/XXXX and told them that I would still be make the plan arrangement on XX/XX/XXXX due to my payroll company has been messing up for the last pay periods. I was threatening that my car would be repo and they can cut it off while Im driving that will endanger me and my family. I called back today spoke with a Supervisor I told him since I got this vechile my payroll hasnt been right he said you have 8 arrangements that you didnt keep I explained to him like did all he other representatives that I couldnt control that our company was changing payroll company and the process has been bad for us. He told me you need to pay today or you will be repo or disable. I told him I was make the payment via credit card he was rude and than I told him yall keep calling and threatening is illegal I will be reporting it he said O we are federal regulated. This is the only transportation that I have for my family yall threatening to take and if I file this report I think they gone try to take anyway. High interest rates as well I wasnt explained this at the dealership

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 2020-04-30
Company: Experian Information Solutions Inc.
State: MI
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:
Pick up truck was totaled in XXXX  of 2019. Insurance paid vehicle in XXXX  2019.XXXX XXXX   has not updated credit bureau.as of XXXX2019. Experian says I owe {$10000.00}, XXXX  says {$440.00}, XXXX  says account is closed. Also XXXX XXXX has submitted negative late payments on credit report. I have also tried to submit a dispute with the credit bureaus but they say the information is correct, which it is not

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 2020-04-30
Company: EQUIFAX, INC.
State: MI
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:
Pick up truck was totaled in XXXX  of 2019. Insurance paid vehicle in XXXX  2019XXXX XXXX   has not updated credit bureau.as of XXXX/2019. XXXX  says I owe {$10000.00}, XXXX  says {$440.00}, Equifax says account is closed. Also XXXX XXXX  has submitted negative late payments on credit report. I have also tried to submit a dispute with the credit bureaus but they say the information is correct, which it is not

Company response to consumer: Closed with explanation