BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
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:
Despite the multiple complaints I submitted to the 3 Credit Bureaus, my request for proper verification and correction of the erroneous information on my credit reports has been neglected. The last complaint I submitted to Experian, XXXX, and XXXX Credit Bureaus was XX/XX/ 2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still erroneously reporting on my credit report and I am hoping that you may be able to help me have these accounts corrected as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$270.00} XXXX  XXXX Balance Owed : {$67.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$880.00} XXXX XXXX Balance Owed : {$0.00}

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 2015-11-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX [ [ Reference to my property located at XXXX XXXX XXXX. XXXX, NC XXXXLoan # XXXX Serviced by Select Portfolio Servicing. Relationship. 
Person of Contact is XXXX XXXX, Relationship Manager, XXXX Extension XXXX. 
His email is XXXXXXXXTry and try again to contact him. Good Luck!. I have NOT been able to contact him. 
***************************************************************************************************This is concerning the papers I sign for the Deed-In-Lieu. I sign XXXX different pages and was given copies of all pages NOT sign by me. I met a Notary Public in XXXX, NC. 
Met at XXXX off XXXX XXXX on Saturday XXXX XXXX, 2015. Ever since that day, I have requested a copy of the pages I sign and I have received NO response from anyone. Emails to XXXX XXXX were sent in multiple days. Last email sent was just before XXXX. I have copies of other attempts to contact dated XXXX XXXX, XXXX XXXX, and others. I have made more than XXXX calls to SPS and it is a joke. I made sure that the conversations were recorded. 
It seems that SPS and the staff have no real desire to finish what they started.!!!!!!!!!!!!!!! 



I signed the Deed-In-Lieu paper

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
See complaint Case number : XXXX It took XXXX days for them to tell me that the refinancing to not go through. I will settle this matter for {$11000.00} dollars. The refinancing was to be used to pay off my credit cards. Now my credit cards are suing me. I have paid over {$100000.00} to JP Morgan Chase which is more than I paid for the house. Most of these funds went to interest. JP Morgan has mishandled my refinancing, my loan modification, and my options. Now I have to untangle this mess!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: TX
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:
My auto loan due date is on the XXXX every month. There was a portion of XXXX still owed in XXXX but was paid by XX/XX/XXXX, which is 25 days pass the due date. The XXXX payment was made XX/XX/XXXX, which is 19 says pass the due date. Neither payment was made 30 days after the last due date. I called XXXX XXXX XXXX the first week in XXXX when I received a late pmt alert from Experian. I was told because a payment was not received on XX/XX/XXXX that its late. I explained on that date it is 12 days late not 30 as reported. The same conversation took place on XX/XX/XXXX when XXXX was reported late but was 9 days late and not 30 as reported. Experian did not remove the late payment but updated the dispute results it to include a late payment for XX/XX/XXXX. I spoke to Experian and was told they are not mediators.

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 2017-02-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX 2016 our mortgage was sold to SP Servicing. We had a XXXX modification with our former servicer that expired just before and raised our interest rate to the original XXXX %. At that point we could no longer afford our payments and fell behind. SP Servicing has had our Request for Hardship Modification since XXXX 2016. Since then they have repeatedly and consistently requested " additional '' information, clarification, redo a single line on this document, explain this ( six times ). In short, they are dragging this out with their endless quest for the perfect set of documents. I am well aware that there are specific requirements for XXXX, and we give them what they ask for EVERY TIME. I believe they are veering into fraudulent territory with their requests now. The " underwriters '' have reviewed our application no less than ten times since XXXX 2016, and today, suddenly, they ca n't read our names on the front page ( section one ) of the application. I have read online where they 've done this to other people over the years. We ca n't get our mortgage caught up without a modification, and we stay behind on our mortgage, trashing our credit, where we ca n't go to another lender and refinance. They have us stuck, and they are keeping us there, for no good reason. Either they want our home in foreclosure, or they are running up the loan balance and interest. Either one sounds like fraud to me. I will be filing complaints with the Federal Trade Commission, TN Department of Commerce and Insurance and TN Office of the Attorney General on Monday. If none of these agencies is able or willing to help, I will have no choice but to file a lawsuit against the servicer, which we no doubt will lose due to their " deep pockets '' and our " little voices ''. Please help us. Companies like this do n't deserve to be allowed to keep doing this to their customers. I 'm willing to fight, but what about others who do n't know how to fight? They simply lose their homes. Please step in and do something about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: CORELOGIC INC
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:
This is to inform the CFPB of the bad practices XXXX XXXX XXXX XXXX XXXX XXXX those companies have violated my rights by sharing my personal information without a permissible purpose in allowing third party companies pool my consumer credit report I have posted a freeze in 2021 on all credit bureaus until present day those companies steel passing around my personal private information illegally conducting and verifying information without no permissible purpose. they have conducted investigations in those informations come back verifiable I have asked those companies to provide me with this certification application documentation signature showing my permissible purpose I am requesting that verification I'm the following companies. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX bank ( negative {$700.00} ) The company XXXX XXXX bank has posted late payments on my consumer credit report 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This applies to all the companies mentioned above provide me with that verification application signature that I gave permission. You should have those documentations unfiled. If for any reason you can not provide me with those documentation have those items delete it from my consumer 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 2016-10-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I always check my bank accounts to avoid overdrafts or late fees ; yesterday was the same. Today I received an alert in my phone telling me about an overdraft and at XXXX I covered the amount and a few dollars more. I came home and after lunch I received another notification about another overdraft, I checked the account and Wells Fargo charged me an overdraft fee. I called them and they said the overdraft occurred last night at XXXX and I made my last purchase around XXXX. 
I 'm not agree with this bank behavior and the way they 're looking to charge fees to us, the consumer. I want my money back and make them improve the alert system and the communication with clients and stop this corrupt bank having this abusive practice. 
Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I lived in XXXX  apartments on a section 8 voucher where section 8 pays a portion of my rent. I have always paid my rent I have receipts showing this the month I moved out I paid the full month even though I moved out mid month. They kept my deposit and the remaining funds from the full month rent I paid and reported I owe for something but never notified me. Now a debt collection company has reported it to the credit agencies it has affected my credit score and now I have a bad landlord mark on my credit report whereas before I had none. I have all my receipts I always paid my rent and dcha has always paid them their portion. I am seeking assistance with getting this off 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 2015-06-01
Company: ALLY FINANCIAL INC.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
GMAC continues to report negative information and an outstanding balance even though the account has been discharged in a chapter XXXX bankruptcy. The credit reports do not reflect a zero balance nor do they state the account is included in a chapter XXXX bankruptcy. 
I have disputed this with all the credit reporting agency 's without any response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
The CFPB submitted my XXXX complaint against XXXX, them not allowing me to access my loan account on-line. CFPB here closed the file of such complaint allowing accepting XXXX response that-they XXXX saying they will not even entertain or answer the complaint because I did not have a my legal Representative my attorney XXXX XXXX XXXX, contact them to allow access, -so .... 
Obviously very so you guys here CFPB not doing your job letting them get away with such excuse for violations to federal laws. Nonetheless my attorney did advised and requested from the law firm XXXX XXXX, XXXX Fl, representing XXXX in my foreclosure case to allow my access to my loan account on numerous over XXXX times times now. XX/XX/2015/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/2015 and nothing yet for today still today XXXX XXXX 2015 I cant yet again access my loan account at XXXX on line. You guys here know why? dont be surprise obviously why yet again fraud by JPMorgan Chase Bank with XXXX by and through Fannie Mae Currently the record of my Foreclosure case, XXXX, Florida XXXX County Court XXXX Judicial Circuit shows that JPMorgan Chase Bank through XXXX authorized by government bank named Fannie Mae yet again once again in violation of the federal laws and violating XXXX XXXX District Court injunction decree to cease all the fraud and comply with the law or paid further greater penalties that could lead close down entity But no, you guys here not doing your job statutory mandated you must do. 
So come on lets do this and grab a hold of them, if not, then obviously you CFPB are allowing here fraud upon the people you guys part also of JPMorgan Chase Bank pack in the same plot.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am a victim of credit extortion originating from a company called XXXX. They were connected with a collection agency called Fidelity Information Corporation. FIC has recently ceased operations and has since turned over collections to another collection agency called Fidelity Creditor Services. For a small fee of less than {$25.00} Olddebts.com allows unscrupulous individuals to submit an online claim of debt for any amount desired requiring no proof of validity, how the debt was calculated, or verification the right person is being reported. XXXX states they are not a collection agency. They were however represented by FIC who reports a negative to the CRA 's. All requests for validation made to FIC or FCS are ignored. The consumer is left with no recourse other than conventional means to combat a virtual debt that does n't actually exist. The CRA 's will only accept an automated electronic response from collection agencies to their investigations. Any proof from consumers to the CRA 's of FCRA violations made by collection agencies are not accepted. Fidelity keeps knowingly perpetuating a false claim while holding my ability to obtain credit as hostage. Any and all requests for validation made to Fidelity are ignored. In my case they are unable to produce proof because the debt never existed. The website Olddebts.com clearly states they do not require any validity of debt from their clients while ensuring negative claims against innocent consumers are reported.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My account was over-drafted to - {$13.00} on XXXX XXXX. Around XXXX on XXXX XXXX I accepted what is supposed to be an " instant '' quick-pay from another chase account for {$30.00}. So my balance showed it was positive at that point, and I was relying on the small amount of money I had to pay for food and laundry this weekend. Then in the morning I check my account and saw it was - {$17.00} since Chase had charged me {$34.00}. Now I can not wash my clothes or eat for 2 days. I am a college student and this is absolutely devastating to my financial situation. {$34.00} might not seem like a lot of money to Chase but to me it made a huge difference. When I called them they were not understanding and told me there was nothing they could do. {$34.00} is over three times as much as it was over-drafted by.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-03-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have tried for years to get modification on this property. I sent all the required documents and it would always be a repeat. They claim some documents were missing although they were sent certified in XXXX package. At this point I need someone to communicate with Chase to get these documents to an underwriter to get this modification done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a Chase Freedom card which was opened XX/XX/2015. In XX/XX/XXXX, Chase had placed my account on hold and falsely reported the account as " account information disputed by consumer '' and I later came to find it was closed by Chase. I did complain to Chase regarding the matter and I believe they did correct it after some time, but they refused to reinstate my account. Earlier this month after applying and verifying my identity I was approved for XXXX more cards from Chase. Upon receiving the cards in the mail I proceeded to activate them but when I called in I was told that my accounts were restricted before I even had a chance to activate them!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Last correspondence from Chase dated XXXX XXXX, 2016 confirmed that I was approved for loan modification under a Trial Period Plan starting with a 1st payment of {$2600.00} by XXXX/XXXX/2016. First time was made on time on XXXX/XXXX/2016. 2nd trial payment in the amount of {$2600.00} due on XXXX/XXXX/2016 and 3rd trial payment in the amount of {$2600.00} due on XXXX/XXXX/2016. Acceptance of the terms of the offer of the Loan Modification was to make the first monthly trial period payment in place of the normal mortgage payment. and subsequent trial payments. However, I received a Mortgage Loan Statement dated XXXX XXXX, 2016 reporting a past due amount of {$3200.00} and total amount due of {$6500.00}. 
This report is negatively reflecting payment as past due on my credit report and construed as derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-23
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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