BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
i took my parents out to dinner and to make a long story short, originally i was gon na pay by my card ... hence the swipe but i changed my mind. thats still allowed right, to change my mind right? so when the waitress came back, i had told her that i would be paying cash, where i was given both receipts and told by the waitress that the bill would be voided off at latest the following day at which point, i gave her a cash amount for the bill which was XXXX dollars and change and additional cash for her tip. at this point some days passed and i called up chase bank and filed a dispute for the amount wasnt ' voided off my debit ... at that point if you were the mediator, chase bank, it would be an easy situation to decide right? considering the XXXX by law is mandated to keep a copy of all charged receipts for a time of two years, just in case their are misunderstandings like this one. its simple, either im lying or not. if you were chase about two months later, wouldnt you of requested from XXXX a copy of my signed receipt authorizing the debit charge and if XXXX cant furnish a signed copy, then this dispute becomes easy right? what a way to treat your clients, like s.it! i have been yelled at, basically told to XXXX by chase bank. everything and anything, to tell me to buzz off and to make this complaint a wee tid more interesting, i sent via usps certafied tracking to chase hq in XXXX XXXX a copy of both unsigned receipts given to me and they still havent so much as written me a letter except when i called and got yelled at like a two year old to be told your dispute has been denied, so i go i wan na appeal, i get hung up on. its simple, excuse me XXXX in XXXX XXXX in XXXX, we want a copy of his signed authorization, oh you dont have a copy, hence two months later. 


client XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX : chase bankdebit dispute for cash payment given to XXXX @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I went to the XXXX institute of XXXX for schooling in XXXX virginia. I have now learned that their is a lawsuit pending by the government against XXXX and their practices. I feel that i am part of the predatory lending as after going through repayment since 2011 i have noticed my loans ballooning ( specifically from my private loans not federal ) attached is current loan " payments '' and you will notice that even when im on interest only that my interest payments are not even covering the interest that is supposedly accrued making it into a ballon payment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I went through a divorce in XX/XX/XXXX. The house was underwater so I had to walk away from it. The note was for $ XXXX. The missed payments were reflected on my credit back in XX/XX/XXXX. About nine months ago I received a letter from Ditech XXXX ( formerly GreenTree Servicing, they changed their name in XX/XX/XXXX because of a class action lawsuit ) that I owed them $ XXXX. Now it 's showing up on my credit that I 'm 90 days late on a mortgage payment. I think this is fraud. I do n't owe that amount and this should have been foreclosed on years ago. What recourse do I have?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
OneTrust Home Loans is actually the fictitious business name of Calcon Mutual Mortgage, LLC, a XXXX LLC headed by CEO XXXX XXXX ( XXXX ) and his brother XXXX. On XXXX/XXXX/2016 I recieved a solicitation telemarketing call from one of the employees, XXXX XXXX from his personal cell phone at XXXX. I asked XXXX how he obtained my personal cell phone number. He stated that he got it off of one of the tax returns of his mortgage loan client. I was shocked. I said " seriously you got ta be kidding ''!!! He actually pilferred confidential information off of a clients tax return. XXXX!!! 

If you use these wierdos your privacy is gone forever. To steal information off of a clients tax return and use it for telemarketing is beyond bizarre, it is likely criminal. 

Now for the wind up ... my cell phone is on the do not call list. I am registered. These OneTrust guys can not be trusted with your information and they do not follow the laws. It is in fact a crime to violated 47 USC section 227. The crime is listed under 47 USC 501. It is also a crime to violate XXXX Business and Professions code 17200. 

I filed a complaint with the Department of Business Oversight. I doubt the government will do anything to stops these mental nutcases. But you can do one better, do n't use them tell your friends to not use them either. Protect your privacy and get rid of scum telemarketers, use a different mortgage lender to get your loan. 

If you want to tell XXXX what you think of his racketeering enterprise, then email him at XXXXXXXXXXXX. But be prepared to be chewed-out like he did to me. 

The headquarters is at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am trying to purchase a home and there are many accounts on my credit report that are still reporting negatively on my credit. I have tried disputing the items and hiring agency 's to help me resolved these negative inquires and accounts. I am yet to see any removal. Please assist as you are my last resort.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The information on my Experian credit report is out of date. Also, there are credit cards on my report that I have never ever had. I never had a XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian has refused to update my personal information correctly several times. I have sent numerous letters asking them to correct my information. They just keep saying verified. Verified with who??? Here is my Identification with my proper address. I told them I never lived at the address they are reporting. They said the creditors are reporting this. The creditors " reporting '' this address is the account opened by the identity thief. Attached is my proper Identification and address. I would like my correct address displayed properly on this credit report and not this fraudulent address.

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 2015-07-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have attempted to dispute several accounts and inquiries on my credit report that do not belong to me with Experian since XXXX XXXX. I sent in my personal information such as my license with address on it. Not only did Experian not do any investigation on it, they sent me a notice stating that they thought this was a suspicious request and that they wanted me to call to identify myself. I went ahead and did what they asked. I called Experian and gave them all my identifying information as well as answered several of their security questions and after going through all of this I am asked what I want to dispute. I tell them about all the inquiries which are reporting on my report over the last 6 months and how they do not belong to me and I am wanting to dispute the validity of them. I am then told that they can not initiate any investigations on inquiries and that I would have to call the creditor myself .... 

I am no expert at laws but I have researched the F.C.R.A. and I know that they can not simply chose to ignore my investigation requests. I also am not happy that they are claiming they ca n't investigate inquiries or set them up for a dispute when I know they can. I feel that this is a form of discrimination because I am from XXXX and they are simply refusing to help me when this is something that I know they do on a daily basis for millions of other Americans. Please help me in getting Experian to do its job properly before I have to file a lawsuit against them for discrimination and their violation of F.C.R.A.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian is denying my rights under the FCRA to dispute personal and account information. They continue to tell me they will not reinvestigate my dispute, but never complete the investigation to FCRA standards, i.e. Showing me proof of verification and how they verified these accounts and personal information. They have an incorrect name that is reporting on my credit file that needs to be taken off.

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 2015-06-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Closed credit card account with a company called XXXX, paid account in full. XXXX sold off to XXXX Bank, which contacted me years later about closed account, I provided them with receipts showing closed account and payment of XXXX or so dollars. Was contacted in XX/XX/XXXX by collection agency and hounded about XXXX account, informed them that it was paid in XX/XX/XXXX. Was cursed and sworn at by guy at collection center and never heard from them again except by mail, I mailed back forms with dispute. XXXX found out thru Experian that I was given a charge off in XX/XX/XXXX with negative credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I have XXXX mortgage with OCWEN loan servicing company and they are now reporting to credit bureau that I am past due when they are canceled my auto payment options. However I been calling them since XX/XX/XXXX to ask what other options were for me. They told me to let it mature and then I can apply for the modification. So, I contacted them on XX/XX/2015 few days before the mature date to ask if there are any other option. They told me to wait until it matures ( XXXX/XXXX/2015 ) then submit a modification request. So I did and they said it 's been denied because it a XXXX mortgage. Ever since last year they are calling me to refinance which I could have done if they did not give me the wrong information. Now since they are reporting the account as past due which impacted my credit scores to drop from XXXX to XXXX. There is no lender who will refinance for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
After previously disputing these erroneous accounts, Experian still deemed the account ( s ) verified. I have no idea how " collection accounts '' can report " past due '' .. Although I never received proper validation, this was another mistake that stood out. They should have been removed from my report. Please see the attached documents

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 2015-08-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The first issue is wrong address I never lived in XXXX Florida XXXX. I received this information through ExperianSecond issue is I never applied for an auto loan from XXXX the address is XXXX Fl XXXX and the date of the inquiry was XXXX XXXX, 2014 please correct that or call the consumer and find out how this got reported through my credit, I believe its an completely fraud somebody s using my social security and my name without my knowledgeThe third issue is XXXX XXXX Fl XXXX the date of the inquiry was XXXX XXXX,2014 I never was in this place I do n't know what their talking about do I need to contact the FBI?! 
PLEASE feel free to contact me at XXXX or email me a XXXXXXXXXXXX or write me at XXXX FL XXXXSSN # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Did online dispute for Experian for XXXX XXXX as creditor I owe. I informed them the creditor listed was included in my Chapter XXXX bankruptcy. They refuse to update and sent back a correspondence that says the balance is correct, and the account is still pass due. i even forward a hard copy of Bankruptcy documentation. They still refuse to acknowledge and list the correct amount at the time the bankruptcy was file, and still listed for over 19 mos. since bankruptcy has been in effect. In below attached document was sent in which list all creditors. XXXX who represents XXXX XXXX still list debt as if I am not taking valid claim and is past due

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX, I sent certified letter to dispute an inaccurate acct on my credit report. In XXXX I sent a fax with proof of inaccurate reporting. According to my understanding of the Fair Credit Reporting Act, their duty as creditors/reporting agency is to accurately report on all accounts and to correct any and all mistakes as found by their accounting department or by myself as the consumer. I thank you in advance for upholding the federal law as dictated by FCRA, and removing these accounts immediately.

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 2015-09-12
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
According to Experian I have incorrect names on my credit history as well as an account in collections with XXXX which was already paid in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian has fail me twice in erasing wrong personal information from my credit report, and they have the audacity to send disputed results as old information deleted.

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 2015-04-07
Company: Dream Center Education Holdings
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I ATTENDED BROWN MACKIE COLLEGE IN XXXX ALABAMA FROM XXXX, FOR XXXX MONTHS, I WITHDREW IN XXXX OF XX/XX/XXXX I AM TRYING TO ENROLL IN ANOTHER INSTITUTION TO CONTINUE MY EDUCATION, BROWN MACKIE COLLEGE STILL HAS PENDING DISBURSEMENTS FOR ME WITHIN THE COD SYSTEM.I HAVE SPOKEN TO THE XXXX SEVERAL TIMES, AND SENT XXXX EMAILS, SHE RESPONDS TO ME THAT THERE IS NOTHING THAT SHE CAN DO ABOUT IT.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX, I entered into a modification agreement with M & T Bank, a modification I believed was to make owning a home affordable for those who have had trouble in the past making mortgage payments, all it did was start my mortgage over again as if I 'd just walked out of settlement. I 've gone through bankruptcy trying to keep this property out of foreclosure and all this bank tries to do is sabotage this mortgage every chance they get. I received a notice telling me that I have not fulfilled my modification agreement and that the property will be entered into foreclosure. I have spoken with an M & T Bank representative and have asked for the latest date my payment can be in that bank, I was told no later than the XXXX. My XXXX XXXX payment will be made via walk in branch on XXXX XXXX, XXXX or via electronic online delivery, nonetheless, it will be in office before XXXX XXXX, XXXX. However, I do n't recall reading my agreement and seeing that M & T Bank is required to call me every month to ask me when I plan on forwarding payment. One month, I believe XXXX XXXX, they tried to tell me they had n't received payment ( typical M & T bank procedure ) I also noticed that for that month, a date was n't stamped on the check they cashed, things that make you go hummm?, why was that? I have made every payment since the agreement and XXXX XXXX will be no different.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my credit report it is stated that this account with XXXX ( line XXXX ) is " ACCT IN DISPUTE. '' This is not accurate. The account is not in dispute and has been settled and closed. There is no balance due. 

Experian needs to report this account as settled, closed and remove the comment about it being in dispute.

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 2016-10-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax refuses to remove student loan accounts that have been discharged by the XXXX on XXXX XXXX 2016. The accounts are with XXXX and with XXXX. Equifax is reporting incorrect account numbers on the XXXX accounts ; the XXXX account is properly reported as XXXX ... I have attached documents from XXXX, service for the XXXX, proving that these loans have been discharged and paid in full and at zero balance and should be removed immediately from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Acct Closed on XXXX/XXXX/09 with XXXX card. Still showing on my Transunion report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I 'm trying to get my own place but every time I try I get denied because of bad credit, I 've had numerous bills in my name I did n't know about that my mothers been doing since I was young she 's used my information for bills that I never had or new about till now she messed up my credit by not paying the bills on time, letting them get sky high, or not paying at all I ca n't even get a home because all the bills I have in my name, when she threw me out she would n't give me my social, my birth certificate, or I 'd so now she 's ruining my credit what can I do about it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation