BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-18
Company: First Associates Loan Servicing LLC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
So I got a student loan to attend XXXX XXXX in XXXX Ca. From XXXX XXXX ( XXXX XXXX XXXX ) Also known as XXXX XXXX out of XXXX XXXX Ca. As I was paying my loans and I started to notice my loans are going up. I called them to find out why my loans were going up. I was told that they fluctuate with the market. It went up like a Dollar or two. 

I told them I didnt think it was legal since I believed that the loan was supposed to be a fixed rate. So I requested a copy of my contract and was told they would send it to me. Well know contract was sent and I forgot about it. 

Then one other time I went to pay my payment and noticed this happened again so I called again and was told the same thing that it fluctuates in the market. So again I requested a copy of my contract and they said they would send it still got nothing. 

So last month ( XX/XX/XXXX ) I went to pay my loan and there it was again my loan went up. So I checked my bank account and searched it and found that 1 off my loans went up XXXX in 18 months. I have a 2nd loan with them that also went up XXXX in 18 months. 

I need some advice or to find out if this is legal. If this keeps happening I dont see know way to pay this off because it keeps growing. 

I will call them and they will probably tell me the same thing they told me last time and I will request a copy of my contract and will never get it so maybe I will have to go see a Lawyer about this. 

This is the money and dates the loan went up, XX/XX/XXXX went up XXXX, XX/XX/XXXX went up XXXX, XX/XX/XXXX went up XXXX XX/XX/XXXX went up XXXX I just think they are ripping people off. If not why wouldn't they send a signed copy of my contract stating this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to work with J. P. Morgan Chase to turn my house back over to them. But I feel that the company would rather force me into a foreclosure. I have cooperated with the bank as much as possible and submitted all the necessary paperwork that they requested, even more times than I feel was necessary. But then I get a letter back from them stating that I'm not eligible for the deed in lieu of foreclosure or any other options that may involve turning the house over to them because the property is vacant. I had informed Chase bank several times that the property is vacant and they led me on through this process rather than just telling me that I was ineligible because the property is vacant. This is why I feel they're trying to force me into a foreclosure which would do more damage to my credit. Also, I feel that there are other options for us to resolve this issue without more harm to my credit that they may not be disclosing. Enclosed is the letter of denial from Chase and a letter from their attorney regarding foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: AFNI 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:
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in XXXX v. XXXX XXXX XXXX XXXX XXXX, that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me!

The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA se

ction 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for  reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I reviewed my credit report and I still see the disputed account in my file I already request verification and a fix to the disputed account. Therefore I am filing a follow-up complaint to ensure that the listed account is updated Please fix the listed account : XXXX XXXX XXXXXXXX Balance : {$630.00}

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 non-monetary relief
Consumer complaint received 2020-09-09
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
COLLECTION COMPANY KEEPS CONTACTING ME TRYING TO COLLECT A DEBT I DO NOT OWE TO THEM

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my 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 2021-02-08
Company: Rocket Mortgage, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Background : My partner and I tried to refinance our home mortgage through Rocket Mortgage starting XX/XX/XXXX. During the initial refinancing process, we were upfront with our loan officer and let him know that 1 ) I am a XXXX student and so my income is very minimal, and that 2 ) my partner owns a LLC and he is a consultant with 1099 forms. This means that his income is not as consistent as a W2 workers ' and that he will have periodic weeks of unemployment with no income while he is looking for new contracts. However, once he is able to successfully lock down a contract, his income is around $ XXXX. He also has enough saved in his savings accounts to keep himself stable while he is unemployed and then some. Our loan officer took down this information and told us that this is fine and that this won't negatively impact our ability to close our refinanced mortgage. We paid {$500.00} as a deposit and began the refinancing process.

Problem : Two months later ( XX/XX/XXXX ), Rocket Mortgage told us that they can not process our refinanced mortgage and they have to close our loan because there was a lapse in income. They said this because during the two months ( XX/XX/XXXX to XX/XX/XXXX ), my partner completed a contract and is in the process of negotiating a new contract ; he is unemployed and does not have any income at the moment. However, as indicated in the previous section, we had already let Rocket Mortgage know about our income structure and they indicated it would not preclude us from closing our new mortgage. As it stands, it feels predatory that they seemed to understand how our income operates but then penalize us when what we told them about our income plays out in real life. 

Current situation : Rocket Mortgage has closed our loan and we are trying to get our {$500.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: CONTRACT CALLERS INC
State: TN
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 paid a debt with Contract Callers in XX/XX/XXXX of {$350.00}, receiving their cheerful verbal commitment to remove the aged debt from my report, as we were approaching the seven year mark, and I paid in full without requesting settlement. 
Contract Callers did not remove the item, and continues to incorrectly report the opening date on the file. I filed a dispute with all three credit bureaus in XX/XX/XXXX In their response to the dispute, they confirmed that the opening date was XX/XX/XXXX. 
I called XXXX on XX/XX/XXXX and the representative confirmed the final bill date from the original creditor was XX/XX/XXXX. She escalated concern to their compliance office and committed to have this removed by XX/XX/XXXX. 
I called the original creditor and received documentation confirming the date of the original debt as XX/XX/XXXX. 
Contract Callers is not following through on verbal commitments, and is not researching disputes closely enough to verify the origin date. ( They acquired the collection account in 2017 and were not through enough to verify the credit dispute correctly. ) This entry on my credit report is causing me financial harm, and preventing me from getting loans or credit at rates appropriate to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I do not have a contract with XXXX Fed. On XXXX on or around XXXX it was removed from my credit report and then replaced with out a notice stating that it was going to be replaced via transunion.

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 2020-05-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
in XXXX of 2018 for my Department of Education loan account. 
I understand my financial obligations and take them very seriously. During fall of 2018, I experienced technical issues with my bank account that forced me to change my account/banking information. I believed that I had changed my account information regarding all auto draft payments. Unbeknownst to me, there were no notifications regarding my automatic draft setup with my Department of Education account. Because of this, my payment was rejected and classified as late. As soon as I became aware, I made a payment and updated the information. Overall, outside of this isolated incident, I have a history of on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: JPMORGAN CHASE & CO.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Friday, XX/XX/2020, my husband and I went to the JP Morgan/Chase branch in XXXX, SC. We went for the purpose of having an insurance check endorsed by JP Morgan ( our mortgage holder ) so that we could give that check to a roofer. We were told by an employee ( I believe her name is XXXX XXXX. When I asked for her name she would only say " XXXX  '' ) that the bank would not endorse the check until both my husband and myself had endorsed it. I explained repeatedly that I was uncomfortable driving around with a fully-endorsed check over $ 4k and that I did not believe that was the policy. The lady insisted that we sign first or she would not have the check endorsed by the bank. We signed. When we left the branch office, I immediately called the 800-number for Chase/JP Morgan. After a very long conversation and hold time, I was informed that Chase/JP Morgan did NOT have any such policy. I was asked what I wanted to see happen and at that time I merely wanted an apology from Ms. " XXXX '' and to ensure the employees were informed that was not the policy so that nobody else was put in such an uncomfortable position. I was told that they would reach out to the branch office and be right back. I was placed on hold for approximately 15 more minutes, then sent to a voicemail. This was a blatant misrepresentation by a bank employee to their customer and a misuse of power.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: Security Credit Services, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I bought a mattress from a local company. The mattress was {$600.00} and i put down {$200.00} and auto with draw for the remaining {$400.00} broken up into payments of {$100.00}. i paid the remaining {$400.00} in payments and the company stop auto debiting my account. Eight months later a company called Security Credit Services. I reached the company with a debt Validation letter and still no response. The letter was sent certified mail with proof. They are currently ruining my credit and not trying to work things out. I do not own anyone nothing because i paid my debts with the original creditor and tried to work things out with the collection company instead they rather report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
DEFI/BBVA COMPASS XXXX XXXX XXXX XXXX AL XXXX pulled my credit resulting in a hard inquiry on XX/XX/2018. No consent or written permission was given to them to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Nevada Credico, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
collection company reporting outdated and fraud accounts not mines ... XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ... .never done business with companies

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 2020-09-08
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:
On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 

My Social is XXXX My D.O.B is XX/XX/XXXX My Current Address is XXXX XXXX XXXX XXXX XXXX XXXX Ca 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 2023-09-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a personal loan on XX/XX/, via the Wells Fargo website. The language on Wells Fargos website is very misleading. I was led to believe that via a soft credit inquiry, Wells Fargo would show guaranteed loan options and once I accepted a loan option, 1. ) approval was guaranteed, and 2. ) a hard credit inquiry would be placed on my credit. 

Notably, a hard credit inquiry was placed on my XXXX credit report, however Wells Fargo denied the application. I am writing to ask that the hard inquiry be removed from my XXXX report as Wells Fargo misrepresented its products and services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This loan was over five years ago with Bank Of America. I finally managed to get a home loan modification with them but then they promptly sold my loan to another company with whom I have been making on time payments ever since.

I have asked and asked that the Bank Of America be taken off my credit report because at the time I fell in a hardship. My brother had died and I took in my mom who is the widow of a XXXX  XXXX vet. BOA refused to help me at all and I had to fight two years for the home loan modification. 

I have called and called about having this taken off my credit report due to hardship. Their customer service is very rude and refused to help me. 

I hired XXXX XXXX to help but they met with much the same response. 

All I want is this off my credit report. I really need help with this because every time I call in their customer service is quite rude to me. 
I no longer have the documents they should also have as it has been over five years.

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 2019-02-26
Company: Experian Information Solutions Inc.
State: MO
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//18 A DISPUTE WAS SENT IN TO THE CREDIT BUREAU ASKING THEM TO VERIFY THAT XXXX XXXX XXXX  IS REPORTING 100 % ACCURATELY. I ALSO ASK FOR COPIES OF HOW, WHAT AND WHEN WAS THIS INFORMATION VERFIED ACCURATELY. I STILL HAVE YET TO RECIEVE THE INFORMATION ON THIS INACCURATE ACCOUNT. I HAVE ATTACHED CREDIT REPORTS THAT SHOWS THAT THE ACCOUNT WAS SETTLED THEN IT WAS REPORTED INACCURATELY ON MY ACCOUNT AGAIN CAUSING MY CREDIT SCORE TO DROP.

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 2020-09-08
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:
Consumer Financial Protection Bureau : EXPERIAN CONTINUES TO CLOSE MY DISPUTES and EVEN DENY MY DISPUTES ONLINE. 


PLEASE DO NOT ALLOW EXPERIAN TO CLOSE MY DISPUTE AS I HAVE NOT BEEN ALLOWED TO DISPUTE NOR HAS MY REQUESTS TO BLOCK, ADD A PERSONAL STATEMENT, OR RECIEVE MY CREDIT FILE BEEN ALLOWED. 



I have tried to dispute it online via the paid subscription service I have and via mail. Experian tells me that it APPEARS NOT TO BE ME. Each time added days to the dispute allowing XXXX/XXXX XXXX XXXX TO PULL MY CREDIT FILE WITH THE UPDATED PERSONAL INFORMATION I PROVIDE TO EXPERIAN. FURTHER ALLOWING XXXX/XXXX XXXX XXXX TO VERIFY A FRAUDLENT ACCOUNT IN MY NAME USING MY PERSONAL INFORMATION. OF WHICH THIS INFORMATION WAS PROVIDED TO EXPERIAN TO DOCUMENT AND SUBSTANTIATE MY DISPUTE OF XXXX/XXXX XXXX XXXX AS FRAUD.

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