BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am trying to get my free annual credit report but when asked the questions I am asked questions that do not apply to me. Questions that are asking about mortgage loans and car loans I have not applied for, bank accounts I have no knowledge of. I am worried that my credit is being affected by someone other than myself. I wish to know how I can review my credit report. 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 2017-03-10
Company: Waterfall Revenue Group
State: DE
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Incorrect information was entered on my credit file. XXXX is reporting payments that I do not owe. I was told by the doctor office that they have to get approval from my insurance company before he can perform the treatment. He told me once he get the approval from the insurance company his office will call me and schedule the appointment, I made my copayment and left the office, XXXX week later I receive a call from XXXX office saying my insurance approve the procedure, and that was it. Now two years later I receive a copy of my credit report with three charges from A-1 Collection Service in the amount of {$550.00}, {$660.00}, $ {$81.00}, which I have no knowledge of. I never receive a call from that office or anything saying I owe this payment. I am in the middle of purchasing a new home and now this has appear out of no where, years later, this is not fair. Please 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 2022-06-09
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: Information belongs to someone else

Complaint:
There are individuals applying for credit under my name without my permission. I have filed numerous police reports. I have submitted information to creditors and credit bureaus and nothing has been removed.

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 2016-01-25
Company: MLD MORTGAGE INC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a 30-year fixed loan with MLD Mortgage Inc since XXXX 2015 with XXXX % down for a single-family house. A few months ago I was calling and emailing their customer service to get quote in order to remove my PMI. First they said I can not remove my PMI for my loan with them is less than XXXX years. I read some online forums and knew that as long as I can make LTV as XXXX %, my PMI should be automatically removed. I gave them my second call, and presented the info I read online, they told me that I should be able to do so as long as LTV is XXXX %, but to get an quote I need to put it in a formal request by using their online form and email it, which I did. Two weeks later, I got a letter saying that PMI can be removed only if it is XXXX-XXXX family residence or for commercial use and LTV reached XXXX % ; and to remove PMI on single-family house, my loan has to be with them for two years and LTV has to be XXXX %. I was very upset by the letter and called them again. They said I can remove PMI as long as LTV is XXXX %. So I made some payments recently to make my PMI reached XXXX % now.I noticed today as I checked my statement online I am still charged for PMI. I just called them, and could n't believe they brought up the same trick about have-to-be at least two years having loan with them in order to remove PMI. I just told them I am done with them and will refinance using other companies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Carter-Young, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My apartment complex sent an incorrect amount into collections. I spoke to agency which until was corrected I did not pay because of misinformation from old leasing complex which I was never contacted about. Agency claimed that it will not impact credit if paid which I did in full and have proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On  XXXX   XXXX    XXXX   I called   XXXX   XXXX   to set up internet service at my home. The only thing I was getting was the {$15.00} a month internet for 6 months which was their special. The guy who I spoke with in customer service asked me a few questions and never asked me if he could run an inquiry on my credit, nor did he give the option to pay a deposit. Neither was mentioned in the phone call. I was livid when I later got an email from   XXXX   XXXX   showing a hard inquiry on my credit that I never authorized. I called   XXXX   XXXX   and spoke to someone who verified that the guy di not ask permission as they recorded the initial call. I asked what recourse I had and they said I would have to contact the  XXXX , La office and try to get them via mail to take this off. There was no person I can contact although they had verified the recording. My only recourse was to try to send a letter to a p.o. box. This is unacceptable as I never authorized the transaction upon confirmation of the unauthorized inquiry it should have been removed and sent up the chain to get the information updated on my credit. I also found out that I should have been given the option to pay {$150.00} deposit to avoid a credit inquiry. I was never given that choice. I called several times and never could get anyone on the phone who would help me other than to tell me that I was right the inquiry was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: JPMORGAN CHASE & CO.
State: DC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My condo lawyer tricked my mortgage company into paying her money that I will owe them which is illegitimate - in two different instances. 
1 There was a nonjudicial foreclosure case against me based on false information and trumped up charges ( condo fees paid on time then refused, etc ). My own lawyer scheduled a Temporary Restraining Order Hearing with a Judge to challenge and stop the foreclosure action which required me to pay {$26000.00} to stop the auction sale. Hours before my hearing, I was told that it was cancelled because the condo lawyer got my mortgage company to pay her {$37000.00} - {$10000.00} more than the {$26000.00} required to stop the auction sale. I was deprived of due process, and my opportunity to challenge this illegitimate act before a judge. I now owe my mortgage company {$37000.00}. They did this without necessity, my knowledge or permission. Had they called me I would have told them not to pay and let me have my hearing which likely would have stopped it. I always pay my mortgage on time and have never had a problem with my mortgage payments or any other bills. 

2. I was recently accused of being delinquent in paying my condo fees and was prevented from speaking or voting in condo elections and was told I was not allowed to be on the roof deck because I was not in good standing. The Board president falsely accuses me of not paying assessments and told me that my mortgage company was paying them for me. I had no idea. No one told me. On Tuesday, XXXX XXXX, I spent two hours on the phone with Chase and only them learned that they had been paying my condo fees for 18 months, without necessity, my knowledge or permission. 

Furthermore, there is also a judicial foreclosure case against me, in which my mortgage company is a co-defendant. I have tried to communicate with the mortgage company lawyer, since I am now representing myself, pro se, to get information and to coordinate. He did not want to coordinate with me, which I guess is his right, but he also did not answer most of my calls and emails, except one refusing to collaborate. I asked him how many of my condo fees they paid and whom I could speak to and he did not answer. I think it is in our mutual interest to communicate and work together. I was disappointed. He could have at least told me how many fees were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: JPMORGAN CHASE & CO.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a phone call today from XXXX. The man on the phone said that they were preparing a suit against me out of Illinois for a credit card that I supposedly refused to pay. I immediately told him I did n't have any cards that were not current. The man on the phone said that this was a credit card that was opened in XXXX and then said the company reported to them that it was open until XXXX with no issues. I told him I did not have that card and I did n't have a card in XXXX that was open until XXXX and I asked him to reiterate that he was planning to file a suit to collect. He said they were preparing the suit and I again told him I did not have that card. He asked me to confirm my name again and what my maiden name was. I have been married for XXXX years. I have n't had any credit cards in my married name that I do not still have. 
He asked me about a mailing address that I had over XXXX years ago and I again told him, I did n't have that card and certainly did n't have XXXX that was open in XXXX. He then said that the card was open until XXXX and changed the year he claimed it was open until. 
So he said that he would go ahead and put down that it was indeed a refusal to pay. I angrily told him that I was saying that it was not a refusal to pay but that this card was not mine. I did not have any cards that were open in XXXX. He said " That 's okay, we already have you recorded ''. I told him I was going to report him and he said to " Go ahead and report me ''. 
This company, whose name he said was XXXX, was stating they planned to sue for a card I did n't have and using fear tactics that I know are illegal. The man on the phone refused to give me his name but he had a deep voice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a certified letter to Equifax on XX/XX/XXXX and it was signed for on XX/XX/XXXX. This can be verified in usps certified letter tracking # XXXX XXXX XXXX XXXX XXXX. In this letter, i requested Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. XX/XX/XXXXi, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
As of today, XX/XX/XXXX, I have recieved no response, nor has the items disputed been removed from the account. Equifax has now broken the law by not following Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg, Section 611 ( a ) ( 5 ) ( A ) ( i ). and FCRA 15 U.S.C. XX/XX/XXXXi

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We saw a note on our mortgage account website that PHH Mortgage Services was raising our monthly mortgage payment by {$350.00} a month. We called to find out why and were told that it was a shortage in our escrow account for the upcoming year. However, the amount for our winter taxes and our annual Homeowner 's policy are incorrect. PHH is showing our Winter taxes as {$3400.00}. This is the amount from last year when we did not own the house and it was NOT homesteaded. This year 's actual tax bill is {$2000.00} as we are now homesteaded. This results in a difference of {$1400.00}. Our Homeowner 's amount from PHH is showing as {$3000.00} a year when in actuality our policy premium is {$1200.00} annually. Resulting in a difference of {$1700.00}. PHH did receive a copy of this fro our insurance agent when they received the mortgage and we have proper documentation to represent our numbers. The total amount of the errors is {$3100.00}. We have spent days and hours trying to call PHH and get customer service reps outside of the US. We have asked for managers and what they refer to as " Escalation Specialists '' have yet to call us as we were told they would. We would like to get this fixed as soon as possible but can not find anyone within their company to help us. Further confusing this issue is if we take a {$350.00} a month increase through next year, it results in a {$4200.00} increase in our escrow account when even if their numbers were correct, that is still over and above the {$3100.00}. Our loan originated with XXXX  here in Michigan but was sold a few days after closing to PHH.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Transunion Credit Bureau is reporting employment information for me for companies/employers which I longer work for. Twelve years ago I temporarily worked for a company less than three months, this employer is still showing on my Trans Union credit report. I tried to dispute this matter with the Trans Union Credit Bureau several years ago and was not able to get a satisfactory response from them as to why they have that employer reported or get a date as to when it will be removed from my file. They also have another employer reported from 2009, which I no longer work for and I am uncertain on how to have the employer removed as Trans Union Credit Bureau is the only credit reporting agency that has employment information listed for me which also happens to be outdated. I have applied for credit in the past and have been asked about my current employment status and then asked about the companies listed on this report which then complicated my pursuit in applying for and securing credit and loans.

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 2016-12-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax continues to report a tradeline for the collection agency, XXXX XXXX in spite of the fact that the account can not be verified. I contacted XXXX XXXX directly and they informed me that they did not have any accounts associated with my social security number. I subsequently disputed the account with Equifax, XXXX and XXXX. In response to my dispute, XXXX and XXXX removed the account from my report, but Equifax has continued to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My husband and I filed a chapter XXXX bankruptcy in XXXX. The original case was dismissed because our attorney did n't follow proper procedure. The case was reinstated under a different case number and the case discharged in XXXX. In XXXX the dismissed and discharged cases fell off our credit report as they should have after 7 years. 2 years later the dismissed case has come back onto our credit report for Equifax. Equifax is refusing the delete this public record from our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XXXX2016 i have submitted a dispute to Equifax Information XXXX about a Judgement that has been reporting on my Equifax Consumer Report in the name of XXXX XXXX Special Civil Part Plaintiff ( XXXX XXXX XXXX ). In support of my dispute i have provided Equifax a copy of my Police Report and Identity theft Affidavit signed and Notarized. 
Equifax continues to report the fraudulent account that does not belong to me and should not be reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX  XXXX XX/XX/XXXX {$8900.00} XX/XX/XXXX {$8900.00} CHARGE-OFF {$4000.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$340.00} XX/XX/XXXX {$340.00} CHARGE-OFF {$1000.00} equifax wont remove these fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
ALL CREDIT AGENCIES CONTINUE TO VIOLATE FCRA WITH REPORTING PUBLIC RECORDS OF BANKRUPTCY 4 TIMES ON CREDIT FILE/ NOT MY ACCOUNTS/ ID FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I was laid off in XXXX and have had difficulty paying my mortgages on my property. I have applied for mortgage assistance through JP Morgan Chase several times and have been denied assistance. Most recently I resubmitted an assistance package in XXXX XXXX and until now, have not received any response from the underwriter whether I have been approved or not. For the past 90 days, the underwriter keeps requesting additional information which I submit in a timely fashion. They then take another 30 days each time to rereview my file and come up with additional documents to be requested. Each time I discuss this situation with the Chase rep, they state this is the final request as your file should be complete. It appears Chase is purposely delaying review of the file, meanwhile at the same time their collection department harrasses me for payment since I am now 2 months past due. The delay review tactic was done previously last year when I applied for a loan modifcation and was denied. The government should monitor Chase as they have never assisted homeowners in need as they have been instructed to do so by the U.S. Government.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/15 I went into my Chase branch to pay off my credit card balance in full. I overpaid by {$330.00} so that any additional interest XXXX {$110.00} would be paid from that and then refunded the balance on the next cycle. After the cycle completed, I requested the difference to be transferred to my checking account. Because I asked for a transfer to my checking account and not a check, they had to put the {$23000.00} back into my account as a charge and then credit the payment incurring {$160.00} in interest. and still refunding me, now making the account have a minimum payment due of {$44.00}. When I closed the account they took it off my account dashboard, so I did not know I owed {$44.00}, thus missing the " payment '' 2 months after the account was closed and the statement showed that they owed me money and not the other way around. I have gone into the branch and talked on the phone but they say there is nothing they can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am a victim of identity theft, and have started the process of disputing by requesting my free credit reports. I have received my XXXX and XXXX report, but have been denied access to my Equifax report online and by phone. Maybe coincidental, but the person who has done the fraud is also located in Georgia where Equifax is located. Other members in my family have also been affected by this identity thief. I just need my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase used to have an online option that allowed customers to schedule bi-weekly payments. They no longer offer that option. If I just pay the amount due every month on time, it takes 30 years and I pay approx. {$260000.00} in interest ( $ XXXX loan ). If they allowed me to make bi-weekly payments, I pay off the mortgage in 25 years and only pay {$210000.00} in interest. I pay the exact same amount every month, just more frequently. That saves me money. That 's why Chase does n't allow me to do it. That should not be allowed.

Company response to consumer: Closed with explanation