BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Transaction issue

Complaint:
I received my new Chase chip card credit card several months ago. Called up Chase and they said it was activated and I did n't need to activate it just use it, it is activated. I use my credit card every day and pay my credit every 2 weeks. Suddenly Today I use my credit card to make a {$160.00} charge for concert tickets and my credit is declined. I have {$6000.00} credit on my credit card. Since my credit card was declined I did n't know why and I lost the concert tickets which will result in me having to pay {$320.00} for the concert tickets from a third party!!! Chase 1st said it was address issue, then their next excuse was they said my card was n't activated. They did n't email, text, or call me to let me know my credit card was deactivated today so I could resolve the issue. Ticket companies only give you a few minutes to purchase a concert ticket before you lost it. 

1 ) Consumer 's credit card should ALWAYS need to activate their new card and should n't work unless it is activated. 
2 ) Credit Card companies should NOTIFY by phone, text and email if they are going to deactivate their credit card for something other than no credit instead of getting the unpleasant surprise I received today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX 2015 my husband 's was behind on mortgage Nationwide advantage mortgage send me a letter to contribute my income wich i did in XXXX while waiting for modification they foreclosed i feel i was discriminated for not using my income i have full time job and income now we have 30 days to move out

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: Professional Recovery Management
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid the debt and XXXX refuses to take it off of my credit report, or host an acceptable means of filing a dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
Product: Consumer Loan
Sub-product: Pawn loan
Issue: Charged fees or interest I didn't expect

Complaint:
took a loan out for XXXX spring leaf financial advertised on XXXX website much lower intrest than I am being charged. loan officer never went over intrest rates with me, just monthly payments. after making 3 paymnts, I notified them. was never told about a credit reopt fee. I filled out the app on website. XXXX % plus is the interest rate. also had to put up television for collateral ;. these people knew way in advance about my financial situation. I called them and told them that the interest rate would have to be renegotiated. or I will not pay the loan. very deceptive business practices.i am XXXX vet. would appreciate some suggestions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We get a recurring robocall ( no human ) saying that we owe a debt of {$39.00}, demanding immediate payment or we will suffer " consequences ''. 

By answering XXXX of the calls, I found out that the perpetrator 's website is www.penncredit.com. 

When I talked with him, he told me the address of the debtor, which is miles from where I live. The debt is not ours. But the robocalls continue to come. 

Help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: ENCORE CAPITAL GROUP INC.
State: TN
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:
I have been disputing this account and requesting validation per the FDCPA since the beginning of the year because the account does is not reporting up to their industry reporting standards. please see my attached documentation. This is my tacking from USPS mail from XXXX XXXX Please help me as this information is reporting incompletely and inaccurately. This company has also failed to validate this account per FDCPA 809. Please help me!!! I HAVE REACHED OUT TO THE 3 MAJOR CONSUMER REPORTING AGENCIES AS THEY CONTINUE TO ILLEGALLY REPORT THE ACCOUNT INFORMATION AS WELL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11
Company: WELLS FARGO & COMPANY
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a text message from XXXX with the following text : Alert- ( my phone number ) from WellsFargo-Bank : Your Debit-Card is temporary Locked. Please call us now at XXXX. Thank you for your time Obviously, this is a scam. I did n't try calling them, but hopefully you guys can help in shutting them down. I 'm not sure whom else I should contact if this happens again. 

Thank you, 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 2015-10-17
Company: Arbor Residential Mortgage LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I am, a victim of predatory lending. I purchased home XX/XX/XXXX with adown payment of approx. {$30000.00} The original lender was XXXX. A high 2 year fixed interest rate and was told that I couldrefinance after 2 years, loan was sold and when I tried to refinance, I refinance I was was was denied, I was told they paid too much for loan. Home went intoforeclose and was saved XX/XX/XXXX. A audit company call me to investigate loan for aasking, fee of {$1500.00}. They suspect loan fraud. Please investigate

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX  Account # XXXX, XXXX XXXX Account # XXXX, and XXXX Account XXXX 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 2021-05-18
Company: Experian Information Solutions Inc.
State: NY
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:
I was over paid SSA benefits and my wages have been garnished for a year and 5months. 
Debt amount was XXXX. SSA has taken approximately XXXX from my wages. Unfortunately Experian is reporting the balance as XXXX which is not correct. I have filed a complaint with Experian, have not gotten anywhere. I have been calling SSA daily and am told they are unable to help me.

An agent at SSA thought payments were sitting at payment center and not being processed. 
I am out XXXX dollars from my paycheck and still being reported as nonpayment and a collection. Please help I am not sure how to get situation resolved. 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 2016-10-06
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
My name is XXXX XXXX I had a charged off XX/XX/XXXX.. from XXXX.. I only owe XXXX. I keep all my records and have found the original debt. The debt collector pressler & pressler, who bought this debt from another company : XXXX XXXX, garnished my check in XX/XX/XXXX for XXXX or more dollars & again in XX/XX/XXXX seized monies of XXXX out of my XXXX XXXX account.. Now I just received a letter from them getting ready to garnish my paycheck from my current job.. I need help.. I 've decided to call them today to speak to a lawyer and ask for a itemized detail bill of charges..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I called XXXX XXXX to remove XXXX XXXX ( my landline ) from my XXXX XXXX package, which includes Internet and HDTV services. The phone representative not only tried to charge me re-activation fees totaling {$70.00} to de-activate and re-activate my existing account but also pulled my credit report during the call without my permission as reported by Equifax. It was clearly an unauthorized and improper credit report pull in violation of the Fair Credit Reporting Act. I tried to obtain a transcript of the call, but XXXX reports that the call was not recorded. I have filed complaints directly with XXXX and the FCC as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX I called and canceled an internet account with XXXX. Later in XXXX, during a military background check for security clearance, I was made aware that I had an adverse account with XXXX on my credit report. I called XXXX immediately and was told I never paid a " final bill '' after the account closure, and I explained I was never made aware of a final bill ; during the account closure, the agent on the phone did not say I had a final bill, I never got a mail letter, an e-mail, or a phone call, but that I was willing to pay it off, it was only {$120.00}. The agent said the adverse account would be removed from my credit report. 
In XXXX as I 'm trying to purchase a home through XXXX, I was informed that the same adverse account was still on all XXXX credit agencies, so instead of calling XXXX this time, I called the agencies and disputed the item ; the item was deleted from XXXX and XXXX, however, upon investigation from Transunion, XXXX denied to have the item removed, so I was told by the reporting agency to call XXXX myself and dispute it directly with them. 
After weeks of trying to reach someone that could help me with the issue, I was told that they ( XXXX XXXX have nothing to do with it and that TransUnion never contacted them, but even if they ( TransUnion ) did, XXXX can do nothing about it, which contradicts what I was informed by the TransUnion personnel who assisted me with the investigation. 
This negative item is on my credit report, and I had nothing to do with it considering XXXX made a mistake by not informing/contacting me of a final bill of only {$120.00}. It has been hurting my credit score and for that reason I am not being able to use my Veteran 's benefits to purchase a home. 
TransUnion had me contacting XXXX and XXXX do n't want to have anything to do with 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 2015-06-18
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have been stuck with Ally begging for a lower interest rate for years. 
They do not budge -they rather me have a hard time making paymentsI have 2 years left to pay and since my financial situation has gotten worse Iam requesting help- they do n't budge, they rather extend my car paymentanother year and half, that is not help. It like im stuck in a bad relationshipwith no way out. Am I late on payments sometimes yes but its because imstruggling! Why not help? They rather I turn the car in?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a state tax lien from Georgia that was paid and withdrawn in 2008 but Equifax and XXXX WILL NOT remove it from my credit file and it is showing as a derogatory public information. I have sent them court evidence from Georgia stating that the lien was withdrawn. It has impacted my financial security and stability for the past 3 years and I am of limited means and this is very frustrating. I am asking Equifax and XXXX to please remove this incorrect information from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with 100 % legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : XXXX XXXX Special Docket # : XXXX Plaintiff : XXXX Balance : {$890.00} XXXX Docket # : XXXX Plaintiff : XXXX Balance : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My XXXX XXXX XXXX credit card ending in XXXX has had issues for several months. I have contacted them numerous times and made payments in which they put my incorrect checking account number in XXXX times, and blamed me for the payment not going through. As you will see below, I made numerous contacts and paid of the phone and they have read off the number to me to make sure they finally had it correct and then still failed to correct it in their system. They never once contacted me to let me know there was an issue with the card. I have contacted them over and over, and just recently in XXXX made another payment ( over the phone since my online XXXX section was never fixed like they promised ) and no one even mention to me of the account closing?? I have done everything in my power to make payments on this card and it is not my fault for their employees not being able to do their job correctly. Please see all proof below!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is listed as an adverse account placed for collection. It states joint, open account but paid in full. I am single and this date is over 5 years ago and I was single then too. It states updated 2015? I do not have an account with them and never had any joint accounts? It states paid in full but has not been removed? Please have this removed. It is Transunion and the adverse account is 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 2015-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have filed XXXX complaints against this company, I received a credit report today the information is still wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The information on my credit file related to medical bills were a part of my bankruptcy and have just now shown up on my credit bureau report. These were all part of my XXXX and were included in bankruptcy that has been discharged. Should I contact my bankruptcy attorney to contact these debt collectors? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My client is trying to do a short sale with XXXX bank. XXXX bank is stating that there is a second lien that is not paid off with XXXX XXXX XXXX Bayview XXXX She filed for Bankruptcy and this account was included in the bankruptcy. She was making monthly payments to the trustee and once the process was done her attorney told her that the account has a zero balance and that she should be receiving the deed to her house. Her attorney has no idea why there is a XXXX balance and why Bayview keeps sending paperwork for her to go to court when she does not owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XX/XX/2016., TransUnion responded to the consumer via the CFPB website. The credit reporting company promised to send copy of my credit report to the provided address within seven to ten business days. I did not receive the promised copy. Instead, I received a suspicious credit alert from another credit reporting company [ Expected ] or unexpected which is dated XX/XX/2016. I would not waste time submitting complaint against the latter because I sent copy by fax to the cfpb and the deleted information [ safety and security purpose ] is done accordingly., where ever applicable.

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 2017-03-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
A collection account ( XXXX ) was removed from my credit report after disputing it with Equifax. The account was deleted between XX/XX/XXXX and XX/XX/XXXX and then readded back to my report a week or 2 later. I called Equifax and they are refusing to remove the account. I re disputed the acct again by mail on XX/XX/XXXX along with another account ( XXXX ) and they again notified XXXX the accounts were removed off of my report but when I checked it is still showing. I was not given a 5 day notice telling me that a reinsertion was taking place which is required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Ocwen Financial Corporation
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently in a law suit initiated by OCWEN LOAN SERVICING LLC on XXXX/XXXX/2015. I am in Discovery and am finding discrepancies in the documents filed by OCWEN as inconsistent with proper documentation. ie assignments signed and notarized by robosigners XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, Redacted copies of a Note, Mortgage and attestations under Notary in presentation of their Discovery not having correct name ... A I do not want to lose a house when a Plaintiff appears under false pretenses regardless of duplicity or ignorance. I paid the mortgage off previously with XXXX and was not acknowledged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: Northland Group Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I reported identity theft to XXXX, They sent my personal information to collector agency.They are keep sending mail.I paid that amount which was fraud in my account and They added interest which was paid by me from my bank account. They did not respond back to me while I was calling to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-16
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I continue to receive debt notifications from Machol and Johannes, despite my numerous attempts to verify the debt. In response to their initial collection letter, I replied with a request to verify was sent on XXXX XXXX, XXXX and XXXX XXXX, XXXX ( I have documentation to support my claim ). I did NOT receive a response with the verification that this was my debt and have not heard from them until recently. On XXXX XXXX, XXXX, Machol and Johannes sent a collection notice to an old family address in XXXX. It was to a residence I 've never lived at, as I have not lived in XXXX since XXXX. It was through various sources I found out about the collection notice, which was sent to a XXXX party. The only logical reason for them to contact an old family address is that the statue of limitations in XXXX is XXXX years in my resident state of XXXX. Another concern is if they take this alleged debt to court, there is no way I will receive the notice, as I do n't live in XXXX and have no family living at the address they are using -- and I will not have the opportunity to present my evidence disputing the claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: DE
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Cash Central continues to contact me and my references even thought payment arrangements have been made. I 've contacted Cash Central and have spoken to a XXXX XXXX times who apologizes and promises it will not happen again. They continue to call.

Company response to consumer: Closed with explanation