BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-03
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/XXXX a fraudulent transaction appeared on my Chase checking debit card. I called the bank on XX/XX/XXXX to dispute the {$820.00} taken out as cash back from my account in another city 3 hours away at a post office. I was given a temporary credit for the full amount, but on XX/XX/XXXX Chase ruled against me and says on XX/XX/XXXX they are reversing the money even though I spoke to them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding this matter and faxed evidence that proved I was in XXXX XXXX and never made this purchase. On XX/XX/XXXX I even had a letter from the post office where fraud happened faxed to them. The post office said they do not have chip card technology and even write me a letter stating this. Chase has previously said because my card had a chip, it must be me making this purchase and denied the reversal. Now, they are saying its because they had my pin. Which is it? Ive filed police reports, identity theft reports and postal inspection reports about this and Chase still wont help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05
Company: REGIONS FINANCIAL CORPORATION
State: TN
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:
Asked for assistance in recouping a payment that was a result of a transaction with a company that turned out to be fraudulent. They said they were unable to assist.

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 2020-02-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Referecnce CFPB Complaint : XXXX and XXXX This company has NOT provided any validation of the debt in question. Written proof from the provider and Debt Collection Company have been requested multiple times and no infomration has been provided. The debt company is in within the terms of FDCPA and FCRA. 

Mulitple requests have been made and no proof has been provided. 

I will continue to dispute this alleged debt with the collection company via the CFPB and all Major Credit Reporting Companies until the collection company removes the debt from my credit report. 

They have clearly violated and not followed the rules set forth from regarding the FDCPA and FCRA Regulations.

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 2020-02-26
Company: EQUIFAX, INC.
State: WA
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 is reporting a 30 day late to my account in XX/XX/20 that should not be on there. I had made my payment online and thought it went through and I did not realize there had been a system error until I got a late on the account. I would like this late removed, I have had this account for a very long time and have never been late before and this late was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TrueAccord Corp.
State: CA
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:
I have sent 2 physical letters, last letter sent XX/XX/2023 - did not receive a response by mail XX/XX/2023 -Received a response through the CFPB website, I do not agree with the outcome and it does resolve my complaint Went to XXXX  XXXX website to report unauthorized account dispute, website would not let me complete XX/XX/2023 - Called XXXX  XXXX by telephone was told by a representative that this account belongs to a third party called True Accord could not get that much information about the account history as I could was not giving much of my personal information because I was not consenting to give any of my personal information over the phone, I asked for a supervisor and she told me she would send a link of an affidavit I believe is the word she used to my email never received it, gave it 30 days no response. I just came back to the United States and I have not received anything responses since XXXX from XXXX XXXX True Accord has been harassing and threatening me. True Accord is a third party collection agency that bought this debt from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: EQUIFAX, INC.
State: PA
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 reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage closed in late XXXX. 
After it closed I changed my insurance policy to a lower cost one. 
I have been trying to get XXXX XXXX XXXX servicing to adjust my required escrow account without any success. 
On XX/XX/XXXX I finally was able to talk with someone who told me that my account had been reviewed, my payment was finally reduced and they were mailing a check for more than {$800.00}, the overage accumulated between XXXX and XXXX Never received the check. Was told that they would deposit the amount to my account immediately on XXXX. Nothing happened. I talked with customer service Friday morning, XXXX and was told a supervisor would call me within 48 hrs.As of today, XXXX, I've still not heard from the and still haven't received my deposit. 
I paid my Prin and interest for XXXX ( which thet failed to apply ) and told them I needed the money do me to continue to make payments. The only payment I can make my old mtg payment which is more than {$100.00} to high. 
Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold to loan care from XXXX XXXX XXXX and I yet to receive a letter from them with my new account even though XXXX told me the sale is effective XX/XX/XXXX. By law I am supposed to receive a letter 15 days or greater. Today is XX/XX/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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo Fraudulently put Fees on my account and deducted Fees, also froze my account

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 2023-04-19
Company: Experian Information Solutions Inc.
State: AZ
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 submitted a dispute to all three credit bureaus about XXXX fXXXX acct XXXX It is reporting inaccurate information because it is a collections account and it is showing past due. A collection/debt buyer account can not show past due because they bought the account from another company. That is inaccurate and per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-07
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, I am writing this letter to dispute a alleged collection that has been reported on my credit report as of XX/XX/2023 without proper notification as required by the Fair Credit Reporting Act ( FCRA ). The collection in question is XXXX XXXX XXXX  XXXX, and it is listed on my credit report under account number XXXX ( first XXXX ). 
I am disputing this collection because I was not notified by LVNV Funding LLC that I had a debt in collections before it was added to my credit report. According to the FCRA, collection agencies are required to notify consumers of a debt in collections before reporting it to a credit bureau. However, I did not receive any notification from LVNV Funding regarding the debt in question. 
I am requesting that you investigate this matter and remove this collection from my credit report. I also request that [ insert name of collection agency ] be held accountable for not following proper notification procedures as outlined by the FCRA. 
Thank you for your time and attention to this matter. Please let me know if you require any additional information to assist in your investigation. 
Sincerely, XXXX XXXX

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

Complaint:
- Opened lease with XXXX XXXX XXXX in XX/XX/XXXX - Lease was 36 mos - Completed every single pmt on-time or early for 36 mos and returned car in excellent condition in XX/XX/XXXX. Over {$16000.00} in payments- Told of lease termination fee when car was returned in XX/XX/XXXX. However, dealer was unable to accept pmt ( despite my offer to pay ). Was told to check account stmt - Acct stmts never showed amount due after car was returned and stmts stopped being generated - Never received correspondence regarding any amount due to XXXX - In XX/XX/XXXX, credit score decreased over 100 points from high 700s to mid 600s without any warning, notices, etc- Have never had a late pmt over 11 years of credit history including student loan, car leases, mortgage, multiple credit cards, etc- I looked into what caused the decline and it was due to XXXX XXXX XXXX charging off approx {$700.00}. Upon calling XXXX, was informed it was due to a unpaid lease termination fee - Again, I never received any warning from XXXX regarding the issue or potential for charge off - Charge off occurred 10 mos after lease termination - Upon becoming aware of the balance owed, I immediately paid the balance to 3rd party collector who was able to provide balance and online mechanism to pay - Credit score has still not recovered because XXXX is reporting the account as " Paid, was a charge off '' despite their lack of communication or accessibility. XXXX refuses to take responsibility for poor communication, payment accessibility, and consumer awareness - Clearly I had no issue making pmt given the pmt was made immediately once I became aware - XXXX refuses to engage on the issue, despite my efforts- Currently trying to buy a house and this issue is creating meaningful friction

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
First, this is a closed account and have been closed for years. 
I paid the full balance off onXX/XX/XXXX w/ a transaction date of XX/XX/2020 This paid the full balance according to their system. There was no mention of a late charge on this day. If my transaction was not effective until XX/XX/2020 there should have been a late charge already included in my balance. Per the credit card statement I received it stated the late charge was placed onXX/XX/2020 for {$25.00} w/ an interest fee of {$2.00} which bring the total to {$27.00} all interest and fees. Also according to my statement it states I have a transaction date of XX/XX/2020. I called and spoke with Account Specialist Manager XX/XX/XXXXemployee id XXXX and XXXX ( customer service rep ). I ask the specialist to waive these charges as they can clearly see this account was paid off and the charge was placed a day before. He stated he can't waive this fee. I advised him, he can but choose not to. I definitely feel during these difficult times for anyone to pay off a loan is a plus. I am being charge a fee with an interest charge for no balance. This is totally unfair lending and I want to know how many late fees Comenity have waived for other customers? This is an example of unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2022, I completed a CFPB complaint on XXXX, TransUnion, XXXX XXXXXXXX XXXX, and XXXX regarding a bankruptcy report that is showing on my credit report. This is inaccurate information. None of the credit bureaus responded to a letter that I previously sent them in XXXX of 2022. So, I had to do a CFPB complaint to get some actual results and that still wasn't to my satisfaction as there was no method of true verification. 

The following are the laws that were violated : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 usc 1681a- ( e ) I did not give a Permissible purpose nor did they have my written instruction.

I also contacted the US Bankruptcy Courts and they mailed me back a letter dated XX/XX/XXXX stating that they do not send information to the credit bureaus. So, the claim that it was verified by the US Bankruptcy XXXX XXXX XXXX, MD is not accurate. PACER also states on its website that they do not provide information to third parties either. I will be attaching both of those to this complaint. 

I will be attaching my driver 's license and a copy of a power bill.

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 2020-02-26
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To begin, I tried contacting XXXX XXXX to retrieve details on information on this credit account. They told me it had already been sent to collections with Jefferson Capital Systems , LLC, and that I would have to contact them directly to review and resolve my account. I also tried to login to XXXX XXXX website using my login information, and they have removed my access and account entirely which has refrained me from any access to review this credit account and details of information associated with my credit account. 

This account opening date is incorrect. The date listed that it was opened is on : XX/XX/XXXX. The correct opening date was on : XX/XX/XXXX. I also know that the amount owed is incorrect. I attempted to contact the company to dispute the errors on XX/XX/XXXX. When speaking with the representative, I tried to explain the errors of information that were incorrect on this credit account. The representative proceeded to not listen and continuously ask me how I was going to pay off my balance. We argued back and fourth. I told the representative that I wasnt calling to pay my balance, I told the representative that I was calling to dispute the errors. The representative would not listen or acknowledge what I was saying by completely ignoring my questions on dispute and instead aggressively asking when I would pay my balance. I finally said that I was not paying anything until the errors on my account were disputed. The representative proceeded to tell me that if I did not pay my balance that day, XX/XX/XXXX, that the representative could not guarantee that my credit report would not be further impacted from refusal to pay. I then proceeded to tell them that I wasnt refusing to pay, I corrected the representative by saying that I was refusing to pay until my dispute concerns regarding the incorrect information on my credit account were resolved. The representative then told me that if I do not pay by XXXX that day, XX/XX/XXXX, that my offer amount to resolve my account would not be valid and that it would further impact my credit negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm writing you to see why my mortgage payment has increased. The original bank was XXXX XXXX, followed by Caliber. I'm trying to apply for a loan modification with current bank. But as of yet no one has processed my request. The reason for the request is to investigate my mortgage loan that was abruptly moved from 1 bank to the other. I'm asking for a reasonable modification for me & my family. Thank You In Advance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
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: Account information incorrect

Complaint:
XXXX XXXX should not be reporting to Experian and XXXX  a charge off on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original creditor on this account was XXXX XXXX and the account was sold to XXXX XXXX. This account is being reported in error and this inaccurate reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX to remove this however, I have not been successful.

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 2020-10-20
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our home was lost during the national disaster XXXX XXXX XXXX here in XXXX California on XX/XX/2020. I have been making monthly payments but can not continue to do so while actively looking for a place to live for my family and I, rental agency 's are NOT approving me because the mortgage is still shown in my debt to credit ratio. I've called multiple times not getting anywhere with anyone within the company. My insurance company paid out the claim on XX/XX/2020 and NewRez / ShellPoint was stating they hadn't received payment yet while using funds from this insurance payment for my XX/XX/2020 monthly payment ...

I've called countless times trying to see about a forbearance since there is no home on the property to live in, I was told I would receive a letter / email confirming this and have NOT heard back. No one is calling me back and this is causing EXTREME hardship to my family.
We have no where to live and this company is making my family suffer. I thought it was going to be difficult working with our insurance company and to my surprise the biggest obstacle has been the mortgage company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: OK
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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2020-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Case XXXX Bank of America continues to harass me and ignore my complaints filed with the XXXX, Federal Reserve, Consumer Financial Protection Bureau. All these places have failed to do anything about the continued harassment from Bank of America, so I am now seeking legal aid to take you all to court.

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