BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-14
Company: Accurate Background
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have applied to several positions for work and on three separate occasions, the reports came back with INCORRECT information that belonged to another individual, but were associated with me. This occurred twice with XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX and once with Accurate Background XXXX XXXX/XXXX/XXXX XXXX. All three times it was the same information that appeared and I appealed each incident. I did not hear back from Accurate Background. I do not feel confident that they will correct this error, even with the information I gave them. I feel this incident will fall by the wayside again and my reputation and background will look much worse and jeopardize any potential future employment opportunities that I may have. The person that I am being associated with is named " XXXX XXXX '' and on the records the notes say that his middle name was taken down as " XXXX ''. That is not my middle name, nor is XXXX my last name. The incidents that occurred all took place in XXXX, IL. I have never lived in XXXX, IL or been arrested there ever in my life. My residential history will also confirm this and will conflict with the reported dates of the charges associated with XXXX XXXX XXXX. These include : 1 ) XXXX XXXX ( XXXX/XXXX/XXXX ) 2 ) MXXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 3 ) XXXX XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 4 ) XXXX XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 5 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 6 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 7 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 8 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: EQUIFAX, INC.
State: RI
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 XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We defaulted on our mortgage XX/XX/XXXX because we were going to lose our car and had to pay a large amount to get our car loan balance up to date. We applied for a mortgage loan modification with our lender Ocwen. We have been submitting modification paperwork for a year and a half. Every few weeks during that 11/2 years, they would come to us asking for more paperwork. We sent them all the paperwork they needed so many times that we lost count. And we spoke to them so many times and were assured that they had all the paperwork they needed only to have them call again and again saying they were missing documents. XX/XX/XXXX, they had their lawyer begin mediation. We gave her all of the same papers we had given Ocwen for the past 11/2 years. She finally got through to them and they recently presented us with their offer. They decided to rais our payment over {$300.00} more than what we were paying when we had our hardship XX/XX/XXXX. They told us that we do n't qualify for any of the Home Affordable programs. The loan amount is over {$160000.00} because of all their fees. Our home, built in the XXXX 's, is barely worth {$110000.00} and is in dire need of repairs ( furnace, roof, flooring, electrical, plumbing, etc ). We can not afford such a high payment. We would never be able to make the repairs neede to make it liveable. Not to mention their offer includes a balloon payment of over {$90000.00} XX/XX/XXXX. We do n't want to lose our home. Paying over {$800.00} a month on a home that is falling apart is very disheartening. We do n't understand how Ocwen could raise our payment from {$520.00} to {$820.00} and expect us to be fine with it. We believe they can lower the payment. We also believe they are being dishonest. We have until XX/XX/XXXX to accept their offer or move out. We do n't want to do either one. We ask for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
over XXXX dollars is being held because at some point in time in the next 6 months there may be a charge back, this is absurd and fraud, They Don't want us to XXXX XXXX  fine I am An XXXX  ( means federally licensed to XXXX XXXX ) and have been for the entire time I was a customer, if its a problem now that's fine there are other services that aren't run by communist, I'm a XXXX   % XXXX veteran and you are purposely and directly harming me both financially and emotionally this is terrorism and probably racially motivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Social Finance, Inc.
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I opened a personal loan in the spring of XXXX for {$50000.00}. This month, I contacted SoFi seeking to refinance with a lower interest rate. 

Their online system quickly gave me several options. In order to complete my application for refinancing, I needed to establish my income for XXXX and XXXX. 

When I opened the loan I was a W-2 employee, but in XXXX XXXX, I left that company and started my own XXXX. As a result, they asked me to provide both my XXXX and my XXXX taxes in full. 

When I tried to upload those documents to their system, they where too large. The company had no other means to accept these documents. 

I pointed out that my XXXX income was established when they approved my initial applicatoin and they agreed, but they still had no means for me to send them my entire XXXX return. 

They also insisted that I complete the XXXX return -- it couldn't be in draft form. They also asked for business banks statements which I was able to upload into their system. 

Keep in mind that they were insisting that I file my taxes before the XXXX deadline. I pointed out that I owe the IRS money this year. Why would I lose 4 months of cashflow in order to save 4 months of lower interest payments? My federal tax bill exceeds the interest rate savings by thousands of dollars. 

Ultimately I told them that since they couldn't accept my tax documents anyway, even if they were completed early, I wanted to withdraw my application. I then asked them if they had placed a hard hit on my credit. 

They had. 

I asked them to contact XXXX  to suppress that credit request as I didn't want my credit score impacted. They agreed to and indicated that it would take as much as 90 days and that I needed to follow up with XXXX. 

Today SoFi told me that they " denied '' my application. How can they deny an application that I never fully completed? 

Again, I will follow up with XXXX  to be sure my credit report isn't impacted, but here 's the thing that is so stupid -- I have paid this loan on time every month. I just want a lower interest rate. And my income is greater now than it was when I applied for the loan and my credit score is actually higher. 

This makes no sense that I would be negatively impacted because they don't have a system in place to help clients like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted both the credit bureaus and Barclays on several different occasions to get my account properly listed as paid and closed. When I call Barclays they give me the run around and forward me to  XXXX   XXXX . When I speak to  XXXX   XXXX , they state they transferred the account back to Barclays and they simply need to report the account as paid and closed. I 'm having difficulty getting it corrected. It has now been 30 days so I need it deleted in compliance with ten FCRA.

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

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 2018-01-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Ive just reviewed my credit report and noticed there are several inaccurate late items on my report, the following accounts were disputed but the credit bureaus said that they were accurate.. Even after i showed them proofs they never corrected the issues. 

XXXX XXXX Acct : XXXX : This account is listed as being 30 days late on XXXX. I never made a late payment on this account. 

XXXX XXXX Acct : XXXX : This account is listed as being 60 days late on XXXX. I never made a late payment on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: JPMORGAN CHASE & CO.
State: ID
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have been receiving bills from Chase re : my HELOC. 
Included in the Total Amount due in my XX/XX/2019 statement was " Prior Fees / Charges of {$220.00}. 
I paid the total due but the {$220.00} was not credited to " Prior Fees " but to the principal. 
I paid the {$220.00} again in XX/XX/2019 and again it was credited to the principal. 
I believe I Have paid the {$220.00} two other times with the same result. 
I have asked Chase to credit the original payment to the prior fees and refund the rest of the {$220.00} payments that were credited improperly to my principal. 
I was told they would not be able to refund any of the payments. 

I believe that in total I have paid {$900.00} to cover the prior fees ( in {$220.00} sums ). 
The Prior fees / charge of {$220.00} continues to be on the bill and added to the minimum payment due. 
I have initiated a case at Chase with the executive offices. After multiple phone calls with their account representatives I have come to believe Chase is engaging in deceptive billing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: EQUIFAX, INC.
State: VA
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:
Specifically, I have requested twice now that Equifax delete and remove the comments on all of my student loan accounts. There are about 12 accounts that currently read, account dispute resolved, consumer disagrees, or consumer disputes after resolution. None of these statements, nor any statements of the like are true and correct. I never agreed nor have I ever expressed any of these statements to any bureau about these accounts. I have requested on multiple occasions that these statements and any alike statements be removed from my accounts reported on my credit file with your bureau and as of the date of this letter it has not been corrected nor removed. I also attempted to dispute these accounts via phone and was given a dispute file number, ( XXXX ) which still failed to delete the comments. This is unacceptable and needs to be correct immediately or I will sue their XXXX in my local court and collect {$1000.00} for every account that you have refused to correct. 
Additionally, I am having the same issue with my discover card account number XXXX currently says that it is an open account with a balance of {$1000.00}. This is also incorrect and has not been updated since XX/XX/2021. Not to mention this account is a duplicate account. They are reporting this same account twice, refuse to update the balance and refuse to correct it in my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi.
I was renting appartments and my landlord put them on the market proposing me to by apps first hand.
I decided to apply to my bank, JP Morgan Chase, where I have accounts for ~5 years.
I called their mortgage hotline. Situation was quite urgent. I applied thru web site on   XXXX   XXXX  , 2017.
I had 10%+ down payment on Chase's accounts and  XXXX +  (Excellent) cre dit score.
Lady on the phone,   XXXX     XXXX , Mortgage Banker who called me after that, tried to get rid of me as fast as possible.
Multiple times I asked her to send me breakdown on closing costs, loan program details. Instead I got only 'preapproval letter'. She also told that it is going to be mortgage program called 'Chase DreaMaker'. No more info. She was extremely inaccurate in locating my appartments in her system, saying that there is a possibility that after everything, bank will not be able to approve project on latest phase.
I tried to find information about so called 'Chase DreaMaker'. No luck - couple of lines of common words on Chase Mortgage.
I tried Chase Mortgage calculator. It showed ridiculous number: closing costs suppose to be   XXXX   per  XXXX  loan.
I decided to go into local Chase Bank.
I called another broker,   XXXX   XXXX  , Chase branch,   XXXX   XXXX  , CA. No luck. Multiple attempts to schedule appointment (including other bank employees) - no luck.
On Monday I finally caught   XXXX     XXXX , it was surprise for her that we had appointment. She briefly told me that I'm, in the middle of contract, can't even think about approval for 'DreaMaker' program, saying that this program for low income people (

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Professional Credit Services for {$110.00}, and XXXX XXXX XXXX for {$240.00} are the XXXX Collection Agency these people have sent these accounts to. The balance of these accounts are from fees, interest, and what ever else was charged to these accounts. Original accounts were XXXX XXXX and XXXX XXXX. XXXX phones were turned on in 2012, and shut off the same year. They need to be removed from my reports.

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 2022-03-27
Company: Commercial Credit Counseling Services Inc.
State: CT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CT has been sloe paying ou debt to other creditors and taking a large ut monthly for themselves. For over a year I have complained about the huge monthly pulls and how it was odd such a small portion was going to our debt. At last they were pulling {$850.00} out twice a month with about {$380.00} going to our last creditor. When I spoke with XXXX XXXX he noted we owed CT fee 's and they had a business to maintain and he had overhead as well and CT needed to be paid. We have asked to speak on this, We have had o block access to our bank account so they would stop pulling without persmission. With inflation and business overhead CT makes so that they get paid and dont want to stop. In XX/XX/XXXX XXXX XXXX told us it woudl take 15 months to pay the last creditor to ensure CT gets all it fees. We have spoken to the last creditor made a deal to pay them even less than what CT negoiated with them and they have accepted. XXXX called me XX/XX/XXXX at about XXXX yeling he had overhead adn bills and we ( CT ) is one of our bills that needs to be paid. He would not allow me to speak ot say anything hy he yelled so he was hung up on. We have asked for litigation or a meeting becaue not paying our debts and taking huge monthly fees and leaving the business stuggling is not okay and not one lien has been removed we have had to contact our Secetary of state and then contact each place to remove liens which was somehting CT was supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX states I owe XXXX. When I discontinued my service I paid the outstanding bill and returned all equipment. XXXX has placed this alleged debt in collections. I disputed the debt with the collection agency. I also talked personally with a representative form XXXX XXXX and I was told I have a XXXX  balance. I think that XXXX  is trying to take advantage of me because I am a elderly person. I know what the representative told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX EXPERIAN MEMBER ID # XXXX FOR XXXX XXXX I called Experian credit reporting account on XX/XX/2019 to cancel both of my experian accounts, and I received an email confirmation of the cancellation, and yet I still continue to be billed {$24.00} a month. 

I called Experian several times, I explained the situation and tried to have them pull the call, and they refused to pull the call. Had they listened to me and pulled the call, they would have received the proof that I canceled the account. ( See attachment below. ) I am requesting that they issue me credit on my account from XX/XX/2019 {$24.00} x 3 months totaling {$74.00}. They have refused to refund me the amount, despite the fact that I provided them with proof!

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 2022-08-30
Company: General Motors Financial Company, 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX I was approved for a loan modification. And on XX/XX/XXXX I was told that the modification was going to be rescinded due to the second mortgage company XXXX Bank would not move their lien position. I received and XXXX XXXX letter dated for XX/XX/XXXX and I went to XXXX on XX/XX/XXXX. I subsequently received a letter from M and T Bank on XX/XX/XXXX that my mortgage was forward to XXXX for foreclosure proceedings. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating they will be pursing legal actions. Based on the documents I received from XXXX and the XXXX XXXX with the dates provided, M and T Bank is in violation of this law.

Company response to consumer: Closed with explanation