BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I signed the closing documents for my new home, my mortgage of XXXX included XXXX/month for property taxes and mortgage insurance. My property taxes were incorrectly appraised and did not take into account the property taxes of similar new homes in the neighborhood. I just recently received notice that I now owe XXXX by XX/XX/2020 AND that my mortgage payments will nearly DOUBLE to XXXX which is also due within the next 30 days by XX/XX/2020! I had not received any prior notice that the property taxes were behind and I certainly can not pay these amounts, especially within 30 days! According to the recent statement from my escrow account, I will still be behind by over XXXX for all subsequent years. If the correct property tax estimates and amount of mortgage ( XXXX ) was disclosed during closing, this would have at least provided me the opportunity to walk away from the deal. I have essentially signed a false and misrepresented contract and will soon lose my home as a result of the incorrect escrow appraisal. This practice should be illegal!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-17
Company: EQUIFAX, INC.
State: LA
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've been trying to dispute an inaccurate account on my credit reports with the credit bureaus for the past two months. The credit bureaus have been responding back the account is verified. I have no idea how that is even possible with all the inaccuracies across the credit bureaus and the paperwork i received from XXXX XXXX XXXX ( The original creditor ) Account number XXXX. I will point out the inaccuracies and being that the credit bureaus have verified this account 3 times already, this complaint does not mean UPDATE the accounts and any UPDATES to this account will be a violation of the FRCA. They have ALREADY updated the payment history several times after saying the account is VERIFIED. 

This account is reporting on XXXX as AN INSTALLMENT with a balance of {$20000.00} with the original balance of {$11000.00} This account is reporting on XXXX as INSTALLMENT with a balance of {$20000.00} with a highest balance of {$10000.00}. 
This account is reporting on EQUIFAX as an INSTALLMENT with a balance of {$5500.00}. 

After reviewing my contract this account was written up as a RETAIL INSTALLMENT CONTRACT with a balance of {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: McCarthy, Burgess & Wolff, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
3 company with inconsistencies, violations and double jeopardy ... 
I requested to XXXX  an investigation for reporting " past due balance '' and " 1 month term '' in collection account from XXXX which represent a violation to FDCPA ... 
The answer from XXXX was a verification from XXXX as shown in their own report attached in this complaint.. 
XXXX is confirming with XXXX the violation ... 
I decide to call XXXX to obtain an explanation but the answer was they has been transfer or sold the account to MCCARTHY , BURGESS & WOLFF to collect the account .... 
Now XXXX is reporting to XXXX an account that is not marked as sold of transfer with a Balance ... So, XXXX  is in violation of the FCRA by reporting inaccuarate information and failing to do a proper investogation.. 
Now MCCARTHY, BURGESS & WOLFF is asking around 600 dollars over the original balance requested by XXXX at the same time is reporting another balance to XXXX ... 
Account XXXX XXXX Violation to FDCPA, Violation to FCRA and double jeopardy ... 

Attached proof of XXXX balance reported to XXXX   before and after investigation and a letter from MCCARTHY, BURGESS & WOLFF collecting another balance for the same account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Southwest Credit Systems, L.P.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account.As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY WHOEVER THE INDIVIDUAL IS WHO HAVE DONE THIS DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I open checking account in Citibank in XXXX and when I was opening the account I was told I need to have one direct deposit and one bill so I can avoid monthly XXXX $ fee and so I have setup my direct deposit and my bills. Recently I was reviewing my statements as saw Citibank is charging me monthly XXXX $ fee over a year at least from XX/XX/XXXX. On XX/XX/XXXX I was talking to a representative on Citi Mobile app 's chat and she told me my bill should be and I am quoting " Qualified bill payment is Automated payment services that can be set up at financial institutions. The customer need provide the bank and company with debit information and bill are withdrawn automatically out of a checking account and reported monthly statements '' and I told her that exactly what I did and she said let me check and never responded, so called them and told I have a bill and direct deposit and they told me they have a policy of returning only last 60 day not more and it is my fault because I did not check my statements previously ( which is correct If I check my statements I would have noticed ), but that does not change a fact they charge me incorrectly and they are refusing to return it.

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 2020-01-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter to the credit bureau to investigate my credit report where there is one account showing which is not mine. It has been over 30 days since I sent the letter but I still have not been notified of the investigation status or results. The agency has not complied with their 30 days notice of completing a investigation.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ibe been trying to ger this corrected since XXXX of this year and keep getting ame response from transunion that they are sending me coppy of my report and i have to be more specfic i cant be more specfic then stating what i do XXXX and XXXX got it after i sent it to them transunion is only one who hasnt im filing a consumer report again i included it and list of inquirys XXXXXXXX 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 XXXXXX/XX/2022 all these are fraud and should be

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 2023-05-22
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Requested the documents from PHH mortgage services from OCWEN mortgage and predecessors for XXXX XXXX XXXX XXXX property in a previous complaint. The reply was incomplete and not sure why CFPB closed case so easily with incomplete file and all notarized documents are fraudulent and don't have a signature from XXXX XXXX XXXX estate on page of none of documents. Never been to Florida to meet her. All these are false and one notary witnesses not original.When note and mortgage separated a crime has occurred and caused harm to me and I need remedy, relief, and documents for that property back to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Collection Center Inc
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collection Center , Inc. has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a credit card with Kohls that went into collections back in XX/XX/2014. They are reporting the account on my credit report, listing an unpaid balance of {$570.00}. Recently, I tried to call them to resolve the unpaid balance, so the account would update as paid on my credit report. Kohls refused to accept payment from me. On top of refusing to accept payment, they are telling me that they also will not remove the account from my credit report. They are holding my credit report hostage by refusing to either 1. accept my payment or 2. remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
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 Did Not Authorize any off These Accounts. this is fraud I'm a victim of Identity Theft. I'm a XXXX. I never use my credit or have I given any one Consent to open any account on my behalf

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1600.00}, XXXX XXXX XXXX XX/XX/XXXX {$24000.00}. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-04-05
Company: CONRAD CREDIT CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter on XX/XX/2021 to Conrad Credit Corporation located at XXXX XXXX XXXX XXXX # XXXX, XXXX TX XXXX and they received my request on XXXX.This company has failed to validate this debt by not responding at all. Please delete this information from my credit file and cease all collections activities immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: ALLY FINANCIAL INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a scam call trying to collect on a late car loan payment from ally fianc woman with heavy accent named XXXX ph # was XXXX XXXX XXXX backstory I bought out my leased car from XXXX right before the covid 19 shutdown set up automatic payments thru their preferred service provider payment were due to start XX/XX/20 but as of yet I have not received any mail with acct number from XXXX XXXX XXXX XXXX generation is also trying to help me solve this problem as of this afternoon I still was not in XXXX XXXX system and def not showing any missed payment also as per XXXX at XXXX XXXX  there has been a scam similar to this that they are aware of and even if I was a month late I would get a call from them before any collection agency normala provided a acct number for a ally Finance acct and wanted me to send payment to them I told I would do no such thing and would deal with bank directly so no money was sent to them from me but I wanted to let u know about this shady company Ty for any help on this matter 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 2019-03-17
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My insurance, XXXX XXXX XXXX, paid XXXX XXXX   {$720.00} in XXXX XXXX  2014.

I have sent the XXXX XXXX  several times to the collection agency, Bull City Financial Solutions, showing the XXXX payment to XXXX XXXX.

Bull City has not offered a reason that the debt is still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/21 I noticed {$4000.00} was removed from my savings account. I called my bank Wells Fargo immediately to inform them of this and opened a fraud claim. Apparently someone had opened an account with the XXXX XXXXXXXX XXXX and had my money from Wells Fargo transferred to that account.They told me it would take 10 business days to investigate my claim. I called everyday to stay on top of this and to get additional information as to how this could have happened. Finally on the 11th day I called Wells Fargo as no one had contacted me, it was then that they informed me that my fraud claim was closed and denied. Claiming it was done by me through my device based on the IP address. Obviously my phone was hacked because i did not authorize or do this, nor does anyone have access to my accounts. It clearly states on google that that your IP address can be hacked and your device can be taken over. I am single parent and this was the money I was saving to fix my furnace, why would I transfer all the money i had to an account in XXXX and leave myself with nothing? I just do not know what to do at this point? Any assistance you can provide me would be greatly appreciated. Thank you!

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 2020-11-24
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had paid off loan successfully for the full loan amount. 
In my credit report it states that Santander USA reported that the amount was charged off and was paid for less then remaining balance. 
Also my payments were 70 % on time or early in my report it states only 30 % was on time payments. 
Santander USA was sued by 34 attorney generals for violating consumer protection laws and had to pay {$550.00} XXXX dollars resulting from the law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter to the credit bureau to investigate my credit report where there is one account showing which is not mine. It has been over 30 days since I sent the letter but I still have not been notified of the investigation status or results. The agency has not complied with their 30 days notice of completing a investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have an Inquiry on my credit report from SYNCB/XXXX XXXX on XX/XX/2018 that I did not receive a credit card from. I contacted the company & they stated that a card was applied for using my social security number therefor they did not have remove the inquiry. I did NOT receive any credit from this company. Please have them remove the inquiry 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 non-monetary relief
Consumer complaint received 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
TO WHOM IT MAY CONCERN, I AM A VICTIM OF IDENTITY THEFT WHERE MY PURSE WAS STOLEN. I PROOF FARS MY POLICE REPORT. I NEVER HAD TWO CARS AT THE SAME TIME AND THE NEGATIVE ITEMS IM DISPUTING IS NOT MIND THIS FRAUD. CAN YOU PLEASE HELP ; I CAN NOT MOVE TO THE NEXT LEVEL IN MY LIFE OR RECEIVE MY PROMOTION AT MY JOB WITH THE BAD CREDIT THAT I DID NOT DO.

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 2019-03-16
Company: EQUIFAX, INC.
State: TX
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 an Inquiry on my credit report from XXXX XXXX on XX/XX/2018 that I did not authorize nor received a credit card from. I contacted the company & they stated that a card was applied for using my social security number therefor they did not have remove the inquiry. I did NOT authorize nor receive any credit from this company. Please have them remove the inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16
Company: ID Analytics, 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: Account information incorrect

Complaint:
Got a letter from XXXX XXXX saying I was denied a car loan from them because of a illegal credit reporting company called XXXX XXXX XXXX. This " credit reporting '' company is providing false data to banks and other financial companies. This company needs to be shut down and all consumer info needs to be wiped.

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