BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Consumer Financial Protection Bureau, CFPB : I DO NOT OWE XXXX XXXX  NOR XXXX XXXX XXXX XXXX. XXXX XXXX  IS IN VIOLATION OF 15 USC 1692e ( FAIR DEBT AND COLLECTION ACT ), VIOLATED REGULATION E ( PLEASE READ ), AND COMPROMISED MY PRIVATE AND PRIVILEGED IDENTIFIERS. 

( 1 ) REQUESTING RE-REVERSAL OF PERMANENT CREDIT XXXX XXXX ) FOR {$58.00} ; THUS, CREDITING THE XXXX CHECKING ACCOUNT {$58.00}. 

( 2 ) REQUESTING XXXX REMOVE THE EXTENDED OVERDRAFT SERVICE FEE CHARGE OF {$23.00}. 



( 3 ) DEMANDING REFUND OF {$6.00} WITH ACCRUING INTEREST ENDORSED TO XXXX XXXX XXXX. WITH CLOSURE OF XXXX CHECKING AND SAVINGS ACCOUNT IN GOOD STANDING AND REMOVAL FROM ANY DEBT COLLECTORS. 

Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : 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 2016-09-29
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying since XXXX 2016 to get a " short sale '' approval from Chase Mortgage. There is a XXXX mortgage along with a line of credit. The offer for our home is enough to pay off the XXXX mortgage with the remaining monies going to the line of credit. My attorney keeps getting delay after delay from Chase. We have submitted all that the bank has asked for, sometimes two and three times. The potential buyer is getting very frustrated with us asking for continuation of the settlement date month after month. Chase has ruined my credit rating as well as forcing me to pay condo fees, double utility bills, double insurance bills, along with rent. Through my attorney, Chase has been made aware that I have recently lost my business due to poor health so all the extra bills get paid with the little savings we have left. Now that my attorney can not get past these roadblocks or delays, I am turning to CFPB for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I AM SEEKING A LOAN MODIFICATION. I HAVE FAXED FROM MY BRANCH OF THE BANK SEVERAL TIMES INFORMATION THEY HAVE REQUESTED. THE FAXED MATERIAL GOES THROUGH THE PROCESS AND IS ACCEPTED WITH NO PROBLEMS. THE MODIFICATION PROCESS PERSON TELLS ME THAT THEY DID NOT RECEIVE SOME OF THE IMPORTANT INFORMATION THAT WAS FAXED. THIS HAS HAPPENED TO ME SEVERAL TIMES, AND I HAVE FAXED SOME INFORMATION

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 2015-07-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I have been attempting to refinance my 1st position mortgage with Chase XXXX formerly Washington Mutual XXXX since XXXX of XXXX. Chase has been NON-responsive and refuses to remove an old lien item # XXXX on the preliminary title report that I DO NOT OWE them. 

Chase XXXX formerly WAMU XXXX gave me a Home Equity line of credit ( HELOC ) in the amount of {$95000.00} on XXXX XXXX, XXXX, as indicated on the attached title report. They then increased the SAME HELOC to {$420000.00} on XXXX XXXX, XXXX as indicated on the title report as item # XXXX. WAMU failed to REMOVE the original HELOC, item # XXXX on XXXX XXXX, XXXX. 

Now I am attempting to refinance and Chase is refusing to remove item # XXXX because both items # XXXX and XXXX ( XXXX recordings ) contain in their records the same loan number. Chase is afraid if the remove item # XXXX it will also clear item # XXXX. I do not owe on item # XXXX. I only owe on item # XXXX. 

Attached is my current loan of {$420000.00} and the preliminary tile report. Please let me know if you need additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had several fraudulent transactions on my bank account the bank ( chase ) approved the claim in the beginning and stated they sent a check out because they closed my account for no reason I 've had this account for years well I never received my check then I call back and they state they changed there mind and denied the claim but wo n't let me fax over any proof that this was fraudulent activity and was not done by me and they will not further assist on me getting my money back which I 'm covered by the FDIC as they stated so they are not following proper procedures to determine this was fraud and return me my money that was stolen and I have all the proof it was fraudulent but they wo n't accept it so I need help getting my money back that was stolen from me. They keep giving me different stories they approved the claim in the beginning stated they sent a check that was never received then said they got the check back and canceled it and was gon na send out another one but did n't instead they said we 're gon na reverse it and Deney it but wo n't give me no explanation or wo n't let me send it proof it was fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
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: Was not notified of investigation status or results

Complaint:
I noticed several inaccurate and false information in my credit report with TransUnion after obtaining my credit report from them. I immediately open a dispute in regards to inaccurate and false information for the investigation. In regards to all disputes, they notified me they have completed the investigation within 30 days from the dispute date, however, I was neither provided the result of the dispute in writing nor their online system maintained a record of the dispute. Since I have opted for the online version, every time I have logged in to TransUnion the dispute I have filed is either " In progress '' status or it no longer exists and there are no records of the dispute whatsoever. 
I have also sent TransUnion two letters via certified mail in regard to some other disputes which they have never responded to.

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 2016-01-08
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I need assistance disputing a debt with Capio Partners in the amount of {$1700.00}. I have never obtained services that would result in the mentioned debt. This account has to be a instance of identity theft. 

Please advise!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX, 2016 I received pre-certification from my mortgage lender based on my credit score of XXXX. On XXXX XXXX Chase erroneously reported credit card account : XXXX with a balance of {$10000.00} and usage of 99 % of credit which resulted in a damaging drop to my credit score of XXXX. In less than 24 hours I will be going into settlement/closing on my primary residence after a week of painful negotiations, where my credit will go through a final review and display this erroneous, fraudulent, account on my profile, and I want Chase to be held liable for the potential of me losing my home, and/or no longer being honored the pre-authorized fixed rate of 3.25 % for a 30-year mortgage, which was calculated prior to the fraudulent report that Chase applied to my account. I have been on the phone with Chase for seven hours and still on the phone trying to resolve this. They first gave me an extremely hard time claiming they did nothing wrong and then admitted their error and sent me a fax documenting the erroneous report with the updated correct information, however the 3-5 business days turnaround is too long as I am closing in 24 hours. I asked Chase to then call each of the bureaus to make a physical follow-up phone call and XXXX ( who refused to provide me her last name ) at Chase 's Credit Bureau Specialist Unit Department was reluctant and rude and hung up on me. I called back and spoke to XXXX XXXX in the same unit and he was apologetic, sympathetic and helpful and did what he could to contact XXXX, but they still said it would take 72 hours to be removed and for the score to be recalculated. 
I beg of you to hold Chase accountable for this is complete injustice, fraud, and criminal. They need to contact each of the credit bureaus immediately, in physically speech to each bureau individually ( an electronic processing of 6 business days is not acceptable in my situation ) and have this account removed and request a rapid rescore from each bureau and I want physical documentation from each bureau that it has been removed and I want my rapid rescore provided from each so that I am not in financial ruin, and Chase needs to shoulder the cost of the rapid rescore not me. How can Chase be allowed to do something like this please ensure that they are penalized in some way, this is absolutely outrageous. How do banks continue to be allowed to hurt law-abiding citizens of our country without any recourse or accountability?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: MO
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 looked at my credit report and someone opened a card in my name! I disputed it with Experian. Very upset! It's called 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 2022-04-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contacted XXXX XXXX on XX/XX/2022 in regards to my XXXX installment loans. I informed them that I had recently suffered financial due to being unable to earn income while I deal with COVID omicron here in XXXX. They entered me their " Temporary payment and interest rate reduction '' program. During this time I had also requested for my due date to change so that it would be easier for me to make my payments. The female representative said that is not a problem. 

Fast forward to late XXXX and I am not feeling well but have my payments on autopay. Then on XX/XX/2022. My FICO score drops XXXX points. 

I contacted XXXX XXXX on XX/XX/2022 @ XXXX to discuss XXXX XXXX account # XXXX. He then transfer me to a XXXX named XXXX @ XXXX on XX/XX/XXXX. 

She informs me that XXXX out of my XXXX payments was returned by my back. And I informed her that I didn't receive a letter from XXXX XXXX about the payment return. XXXX then continued to say that XXXX XXXX sent an EMAIL and tried to call. I told her that I didn't receive any voicemails or emails ( maybe they went to Spam ). She then put me on hold to talk to her manager and returned @ XXXX. 

I tried to explain to her that XXXX XXXX needs to remove the 30 day late on my credit report since I was not late and had asked to change my due date in XXXX. XXXX said no and that my 30 days late accrued on XX/XX/XXXX. I tried ( close to XXXX ) explain that did everything I could to avoid ever receiving a late payment on my credit file. XXXX XXXX said to me that it's not XXXX XXXX problem. And was very insensitive to me. 

After doing some research I realized that XXXX XXXX is in violation of the Cares Act and these other laws below : In accordance with the Fair Credit Reporting act 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 15 U.S.C 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 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 2016-08-12
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a loan in XXXX 2014 for {$5700.00}. I 've made payments of {$450.00} since then and the total I 've paid since then is about {$8000.00}. I just recently got a payment history to see my balance due and almost none of my payments have applied to principal balance, almost all of it has gone towards interest! I spoke with a customer service rep today and they still want {$7000.00} to close account. I told them I no longer have a steady job or income and have been going through health/medical issues and have been in and out of the hospital. I just want to settle amount of another {$1000.00} to close account. I 've already paid back the {$5700.00} and interest of more than {$2000.00} and still going to give {$1000.00} to settle. I 'm trying to be honest with them and get a settlement and close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX, for committing identity theft. I have never given XXXX XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with XXXX XXXX and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX ) any right to collect on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
Chase savings account was linked to debit card. Multiple ATM transactions occurred during XX/XX/XXXX and XX/XX/XXXX on my account at the corner bank. The investigation team said the transactions were correct as the debit card had a chip, however, it was not me. I have proof I was working during each transaction. I asked to see the footage so I can go forward with the investigation and prosecute whoever has done this to me. I was denied to this information. I have been with Chase for approx for 9 years and never has there been a history in my checking or savings account of constant ATM withdrawals. I can not understand how they failed to protect me. I received the notice a day prior to them withdrawing the funds from my account and I withdrew the funds until this cleared. Its not fair to be swindled from the crook who did the atm withdrawals and now have the bank as well to withdraw funds from the account due to a shallow investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: FL
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 - 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 - 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 2022-07-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021

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 2017-05-02
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC collections (  XXXX  ) has been calling me multiple times a day for months. If I answer it goes to an automated system that tells me to press numbers for making a payment, removing my number from the list, or speaking to a representative. Not once does it state what the debt is or who they are trying to contact.     For a while, I would select the option to remove my number from the list, but they would continue to call. I few times I decided to speak to a representative. Each time they would tell me that they do n't see my name or phone number   in their system. They would tell me they do n't know why I 'm getting called and would say they ca n't remove me from the list because I 'm not on one.
The calls continued. I got so frustrated by them that I changed my phone number yesterday. Today, less than 24 hours later, ERC managed to call me on my brand new number.
This has to be illegal. I 'm at my   wits end and I need these calls to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: PA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 an account without m
y written instructions Inquires
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. 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