BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
1. I was approved and in process for a refi with XXXX but it was taking too long.

2. I approached my existing lender ( Chase ) and asked them if they would refi my 4.125 % 30 year and match XXXX XXXX rate of 2.5 % 0 points. They agreed to match the rate and points. During the process I was in an conditional approval state.

3. I started the process in the beginning of XXXX  XXXX  and provided Chase with all the financials they needed. It should have been a 45 day process but they took until the end of XXXX  to close my application with no response.

4. I attempted to reach out to my loan consultants and their manager by phone and email but to date still do not have a response on what is going on? I login to my Chase portal and see the loan is closed.

5. I have been performing on my existing mortgage with Chase for over 7 years with no late payments or any concerns. Plus I have additional accounts with them for a longer period of time.

6. My wife and my credit scores are in the high 700 's. We have a good size real estate portfolio with rental incomes and no mortgages on them. I earn more money from my profession then I did when I started the loan in XXXX. The only debt we have is this mortgage with Chase bank. No car loans, credit card etc.. Plus we have liquidity in investments that itself could pay off 75 % of the loan amount today and if we liquidated real estate just one of the properties could pay the loan off.

7. How can a bank take 5+ months, no responses, excellent existing customers with good history and just close the loan without comment?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: National Commercial Services, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was involved in an accident on XXXX XXXX, 2015. I was moving from XXXX to XXXX. Police came to the scene of the accident, and the police did not give me a ticket. The officer said he did not draft a police report. I never received any calls regarding a claim against me, or issues with being an uninsured motorist. XXXX paid for damages, and I paid a {$1000.00} deductible. Nothing happened until two weeks ago, when my parents got a call about a debt owed for {$3000.00}, but no cause for the debt. I contacted National Commercial Services, and they told me the debt was for {$5000.00} due to a tort claim as an uninsured motorist. They did not provide any further details as to the debt, except that the other driver 's insurance had already paid their claim. I was told by NCS that this debt was for being an uninsured motorist. I received a letter in the mail stating they 've tried to communicate previously, but I never received any information. They have threatened to request the DMV to suspend my license. I have not been sued, so I have no idea where this debt came from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The following accounts are being incorrectly reported to belonging to me XXXX/XXXX  {$220.00} Charge off XXXX/XXXX  {$500.00} Charge off Neither of these accounts belong to me and I have no recollection of ever opening these accounts. I demand that these fraudulent accounts be removed. These accounts are fraudulent and must be the result of identity fraud. At that time I had multiple fraud alerts placed on my account to prevent this from happening again. 

My rights to fair credit reporting have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The following accounts are being incorrectly reported to belonging to me XXXX/XXXX {$220.00} Charge off XXXX/XXXX  {$500.00} Charge off Neither of these accounts belong to me and I have no recollection of ever opening these accounts. I demand that these fraudulent accounts be removed. These accounts are fraudulent and must be the result of identity fraud. At that time I had multiple fraud alerts placed on my account to prevent this from happening again. 

My rights to fair credit reporting have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
A counterfeit check ( written XX/XX/2016 and cashed XX/XX/2016 made payable to XXXX XXXX XXXX in the amount of {$1300.00} - A copy will be attached ), using our account number and routing number was created, cashed and deposited at an unknown branch of Wells Fargo Bank. We have contacted a local police detective who has left messages to investigate this incident that have not been returned. This check shut our main account down and then we subsequently had an internal thief in our office take FULL advantage of our account being mandated to be shut down. We have reached out to Wells Fargo MANY times and they are ignoring us and continue to recuse themselves from having to abide by laws ( that i hope you enforce ). They will not tell us which branch it was cashed at so we can get a search warranty from the detective we are working with. We are VERY upset that a BIG bank thinks they are above the law and we are NEVER going to accept that answer. Wells Fargo is the bank that made us aware that we are victims of fraud and then disappeared. They also initially reimbursed us for our lost money ( due to a KNOWN false, illegal, not cool, dishonest, check ) and then took back the money and claimed they were innocent and never even cashed the check ( which they actually told the detective that ). I promise you that every institution we contact about this situation will be held to doing their job. We are NOT going away! We firmly believe this was an inside job at Wells Fargo and they do not want the bad publicity and that is not going to deter us.

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 2021-10-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX has placed these 2 accounts on my credit report before notifying me within 5 business days. These two companies have not sent me anything in writing to explain why they have sent these accounts to the credit bureaus to upload them to my credit report. According to the FCRA, I am supposed to be notified in writing about accounts that are placed on my credit report and I was not notified. 

XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
It all started on XX/XX/2023. I filed a claim with Chime about unauthorized transactions. They gave me a total of XXXX in which multiple atm fees were not included. They said the time frame was 10 days to receive a provisional credit and up to 90 days for the investigation. My case was closed out within 5-7 days excluding the weekend. I called them back when I got the alert and told them they could not have done an investigation on my behalf due to the time frame the dispute was closed. The rep then entered a rebuttal ( reluctantly ) and stated I would have to wait an additional 10 days. I waited and a provisional credit was given. They closed the case shortly after and waited until my account showed a substantial amount so they could charge the provisional credit back to me and then debited my account. Once I found out I called them again and opened up another rebuttal after seeing the information they provided. This time I was assured my claim would be processed as I was told but when I called them no record could be found. The reasoning was so vague and incorporated the same info I gave them in my initial claim. So I called again, spoke a floor manager in which filed another rebuttal. I have talked to 2 or 3 floor managers and they all just want me to get off the phone and not handle my issue. Each time it is 10 days, so I have been waiting for 40+ days for them to do a proper investigation. It would be more for me because I count the weekends. I have been with them 4-5 or more years and never filed a claim! Enough is enough and I want my money back asap!! The dates and claim # XXXX filed is XXXX XX/XX/2023, another date in between in which they did not want to give me per the reps that answered my call. A floor manager stated the next was XXXX on XX/XX/2023, XXXX on XX/XX/2023 and used the initial dispute # under the third time claimed which is the 4th or 5th being XXXX on XXXX. No # XXXX came like this before with indicates they are alerting someone to my issue! Please help me in recouping my funds as I do not want anything to do with this company again and i will be alerting all my friends and family about them not having support once fraud or whatever issue they face!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Bailey Automotive Finance Inc.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Case number-XXXX.Thank you for taking the time investigate my current situation. Sure I have been late, so when I paid on XXXX/XXXX/2016 and I pay bi-weekly. I made a payment of one payment and as soon as I finished paying that payment. I get a phone call, not from their business number but from that personal cellphone to ask me why did n't I make two payments. To me I would think they use this tactic to get me to answer a call. So why did n't the person that took payment ask or tell me that. Their business ethics is far from professional. They are just money hungry. They also called me to say that my insurance had cancelled, when I just paid my insurance company on XX/XX/XXXX and the payment was due on XX/XX/XXXX, so I had to take time from job call the insurance and they advised me my insurance is up to date and not due again until XX/XX/XXXX and they did n't even contact the loan company to say the insurance was cancelled. I wish for them to Cease & Desist calls from them until this matter is resolved, but would like a record of my payment history after each payment mailed my address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-10-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am the holder of XXXX XXXX  seeking your assistance in resolving a Mortgage payment error that XXXX has refused, ignored or neglected to correct. As of XX/XX/2021, XXXX indicates that I am one-month ( {$2300.00} ) behind and that I have not paid the XXXX payment ( see attached Lakeview Loan Servicing , LLC Dashboard ). My records indicate that I have never missed a payment ( see attached Payment History as of XX/XX/2021 ). 

I have contacted XXXX multiple times over the past 6 months over the phone and in writing. XXXX representatives, including supervisors, have routinely given me empty promises that they will correct the error. I have also not received any call or written confirmation from XXXX about a final resolution to my complaint despite these efforts. Please see a notice under 12 CFR dated XXXX XX/XX/2021 and the final notice dated XX/XX/2021 that I sent to XXXX to which they have not responded.

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 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts, nor did I authorize these credit inquiries to be pulled on my behalf.

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 2020-04-08
Company: EQUIFAX, INC.
State: NV
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:
These are not my accounts, nor did I authorize these credit inquiries to be pulled on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I filing this complaint because TransUnion, XXXX, and XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. 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 non-monetary relief
Consumer complaint received 2022-08-17
Company: Medical & Professional Collection Services, Inc. NC.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I initially began contacting Medical & Professional Collection Services on XX/XX/XXXX in order to verify that the debt recorded was in fact my debt. I contacted the company multiple times and was told that they would mail information verifying that the debt was mine. As of XX/XX/XXXX, I have yet to receive such information. How can I pay a debt that I can not verify is mine if they won't send me such information showing it is mine?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Sequium Asset Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Sequium Asset Solution placed a {$360.00} collection default on my account on behalf of XXXX XXXX. I tried calling them but they do not respond to messages I had to leave at XXXX. I have never done business with XXXX and never had an account with them. The email address they referenced for this debt, is not mine. They obviously have me mixed up with someone else. I have never been late on any payment to anyone in my entire life! 

Yet in there response to you, complaint number XXXX, instead of XXXX XXXX  like it says in the credit report, they now refer to XXXX, instead of XXXX They have now changed there story!! Regardless, I have never been late to XXXX!!! In fact, I still have accounts with XXXX, and all my bills are current!!! Why would they give me service, if they claim I owe them money on some other account!? 

I have never received any bills from the account they say I owe. In there response to you, they said they will send the response from their client " to the address on file ''. I will never see it because they do not have my address, and like I said I never got any bill related to this! Then she says we can call her, which we have tried to do in the past, but she does not respond!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Credit Card Receivables Fund Incorporated
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello, I do not recognize the company who is suing me. I do not owe them any money. Someone named XXXX XXXX has tried numerous times to sue me for a debt he bought over 10 years ago. I am not sure if this is the same person. I have not received any court documents. The first I am hearing of this latest law suit is today when the company took {$2200.00} from my checking account leaving me with very little money to pay my bills. It is this same person who was eventually sued by someone else and he had to stop trying to collect from people. He is trying to ruin my credit and my finances. The company Unifund CCR , LLC, XXXX XXXX XXXX, XXXX, OH XXXX is the company that sued me. They can not legally sue me for a debt that I did not take out with them and that is over at least 10 years old, perhaps 13 years old. I need him to stop once and for all. 

The garnishment was dismissed on XX/XX/XXXX. Five years later on XX/XX/XXXX, a certificate of judgement was filed. Almost 3 years later, an aid of execution was filed by the garnishee. It indicates that I was served on XX/XX/XXXX. I never received anything. I moved over a year ago by then but the XXXX County Clerk of Courts says that I received. On XX/XX/XXXX, it indicates the answer of garnishee was filed. I was not privy to that either. On XX/XX/XXXX, the garnishee contacted my bank to take my money. I still have not received any mail. The company or the clerk of courts in XXXX County Ohio can produce any documents stating that I signed anything acknowledging receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My ex added me as an authorized user. However, I never had a card. 
The card was subsequently charged off. Trans Union has refused to delete this item even though I am not liable for 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 2022-08-04
Company: Experian Information Solutions Inc.
State: PA
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 the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

EXPERIAN : XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$7900.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2016-12-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I filed a dispute with Equifax and my results are dated XX/XX/2016, they deleted the address of : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I explained that this address does not belong to me, I have no knowledge of this address. Equifax has re-inserted it back on my credit report, after they sent me correspondence that it was deleted. I demand that this be looked into immediately as it is a violation of FCRA. Thank you for your investigation into this matter.

Company response to consumer: Closed with explanation