BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-17
Company: Big Picture Loans, LLC
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Dear Mr. or Ms . 
I made the mistake of taking a loan out with this company, I was approved for a {$1000.00} loan, but only borrowed {$470.00}. I was told by the Rep. on the phone that there would be a {$150.00} finance charge, steep, but I agreed. 
What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure not visible at the time I accepted this loan showed an APR of, and this is not a typo either, 849.0116 % and that the total repayment amount for my {$470.00} loan would be a whopping {$2400.00} I had not been informed of the 850 % interest rate on the loan, and I was told there would be a {$150.00} finance charge, not {$2900.00} in total payments, and I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. 
To this date I have paid {$1000.00} for the {$470.00} loan. I think this is far more than enough to cover this and I do n't think I should have to pay anymore. 
I feel like I was totally mis-lead about how much this little loan would cost me. 
Thank you for your time. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: LEXISNEXIS
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:
To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. This is my second request to remove unverified items in my report, but XXXX keep rposting these account with out providing any type of original document as the FCRA provide, you need to provide me with original documents or remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a two-fold complaint regarding a house my father owned and has now been transferred to me in a trust. 
1. When my father was alive, we attempted to refinance the home under Obamas HARP program and were told that my father was not eligible for the HARP or any other program. My father is now deceased. 

2. When JPMorgan Chase found out that my father died, they have misappropriated escrow monies ; have a conflict of interest by putting lender forced insurance on the house through JP Morgan Chase ; have held mortgage payments in suspense creating late fees ; and not applying escrow funds that were sent in the form of a cashier 's check, certified mail with return receipt. I believe this bank is attempting to force a foreclosure on this property which is now my property. They are refusing to speak to my husband who is a POA in addition to myself despite my writing a letter to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Experian Information Solutions Inc.
State: MN
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:
On XX/XX/2020 I sent in certified mail your company asking for your method of verification on for inaccurate reporting on my credit report I have yet to to receive any written notification from your company in my letter I asked for specific information could you please tell me why you didnt respond to my requested This is a violation of the FCRA you had 15 days to respond but you didnt XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXXXX Date Opened XX/XX/2016 Balance {$0.00}

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 2018-12-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Each time I call XXXX and Equifax for and annual copy of my credit report they always ask me questions that do not pertain to me then when I answer them they tell me I didn't answer the guest ions correctly. I asking that XXXX and Equifax ask accurate questions that pertain to me and when I answer right for them to except my answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank of America informed the credit agencies under my credit history that my VA mortgage went into repossession or foreclosure. I paid off my loan with the sale of my house in XX/XX/XXXX. I challenge Bank of America in XXXX of XXXX when I was trying to qualify for a XXXX loan. BOA did not make a correction at my request, and sent me a letter dated 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 2022-05-05
Company: The CBE Group, Inc.
State: NY
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:
I was the victim of identity theft. The person or persons who stole my identify fraudulently opened an account in my name with XXXX XXXX. When I discovered the account, only finding out when XXXX XXXX tried to collect the debt, I worked with XXXX XXXX to have the debt removed from name because of identify theft and fraud. XXXX XXXX acknowledged the fraud after an investigation. However, this month, The CBE Group Inc., located in XXXX XXXX, IA, in XXXX or XXXX of this year, XXXX, placed the account on my credit report as being in debt collections. My credit score immediately dropped XXXX points. I contacted the CBE group and they stated that the debt was valid, while in fact it is not. They refused to contact XXXX XXXX and refused to remove the derogatory and false debt, which is based on fraud, from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: LA
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Old address was never removed Old Closed accounts was never removed Late payments were never reported as positive as paid on time Collection was never removed from report.

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: National Credit Adjusters, LLC
State: UT
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:
National Credit Adjusters is reporting 2 accounts on my credit report - XXXX & XXXX -- I never even knew these or the debts existed until I saw it on my credit & I immediately called and took care of it even though they are not valid and were sent to collection in error. 
I never one time received any notices regarding these items to even be given the opportunity to dispute them. I have contacted my attorney regarding this original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number, name and birthday. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$17000.00}

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 2016-06-20
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Hello my name is XXXX XXXX, I 'm working with XXXX XXXX XXXX ( XXXX ). I have or had a case # XXXX. My wife, XXXX, and myself have been working with Wells Fargo, they foreclosed on our home back in XXXX, while under modification. We won the right to resend, you will see this in the case # XXXX. I NEVER received a letter to when the payments where due, my lawyer however received paperwork to complete the title of the home, and such. I did however receive a letter stating we were under the process of getting the home back, the letter was dated XXXX/XXXX/16, the letter was mailed on XXXX/XXXX/16. On my original loan, my due date was the XXXX of each month becoming late on the XXXX. I had to call Wells Fargo, last week, XXXX/XXXX/16 in a fear of late payments. In which I made XXXX for XXXX, with XXXX XXXX. Then just Friday of last week XXXX/XXXX/16 I got a call from XXXX XXXX, @ XXXX XXXX XXXX XXXX - XXXX Ext. XXXX, and was informed I was behind a payment for XXXX. When I spoke with XXXX, I was informed I should NOT be making payments because I would receive a new loan number, and that all my payments could end up in limbo. Again, I called Wells Fargo and this time spoke with a lady, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Ext. XXXX, who told me I should ASSUME my payments were due back in XXXX, with no letter stating anything was due.. I 'm being told so much different information I am again at a loss, and fear of losing my home. I need help, and I need so resolution to this matter. I have met every demand of Wells Fargo, with the help of XXXX XXXX. I have a wife who has become so ill over this matter, and XXXX young sons who deserve my time, and their home to be safe. Please contact me, XXXX XXXX ) XXXX XXXXXXXXXXXX, XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX. I am attaching the very last letter I received from Wells Fargo ... I 'm asking for help, my family is asking for help, in keeping our family home. This has been two years trying to find closure and peace. I will mail a copy of the last letter we received. 
Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have a business account with Chase. My fiance is a signer on the account and has her own debit card. She deposited a check made payable to her personally into the business account. She received a receipt saying that it may take up to 10 days to clear. I received a letter from Chase and was told over the phone that due to the deposit, my account was restricted and would be closed unless they received certain information from me -- specifically wanted to know the phone number associated with the payer 's account. While this seemed unusual, I asked the payer for the phone number associated with his business account with XXXX XXXX XXXX. He told me that the check had cleared his account and emailed me copies of front and back of check indicating it had been paid ( attached ) also gave me the phone number. The Chase phone person said that this was not the right number associated with his account, Dozens of phone calls and two weeks later the funds sit in a suspense account at Chase " indefinitely '' and my account is being closed by Chase at which time the payer can request the funds be returned to his bank, so long as he provides the information that Chase is looking for. Of course this is absurd and I would hope be illegal as it is basically stealing. Does Chase have a right to hold money indefinitely and require personal information from a paying account not even related to Chase?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I sent a letter to Experian, XXXX and XXXX that they were reporting incorrect names and addresses on my credit report. XXXX responded that with a claim that a third-party is assisting with my credit after I sent all proper identification documents to identify myself that I was requesting that they correct the inaccurate names and addresses. The information has not been corrected as requested. 

Experian mailed my dispute results and removed some names and XXXX address when there are multiple names and addresses. The dispute results also brought to my attention that XXXX social security numbers are being reported. If I'm not mistaken every human only has XXXX social security number. It seems to me Experian is allowing fraud. 

The XXXX imposes obligations on credit reporting agencies concerning the accuracy and completeness of information in an individual 's consumer report. Per XXXX, the credit reporting agency is not in compliance by knowingly reporting inaccurate 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 non-monetary relief
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: NJ
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. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-03-01
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They are telling us we are in default yet we have made all payments. We do not have an escrow and never have. They have doubled our monthly payments on a fixed mortgage there is no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Penn Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After talking with them they continued to call after explaining I will make a payment on XX/XX/2019 they agreed now it's on my g credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Credit determination

Complaint:
Upon reviewing my credit report after being denied a loan, I was told that I still owed money to Chase for an account that they wrote off. The debt was written off and a XXXX was issued and I filed taxes on this debt but they report this debt as still being owed on my credit reports. I wrote to all XXXX major credit reporting agencies and all three responded with no change to the status of this account. I 've called Chase 's recoveries dept. and they refuse to report this account correctly. This account should read as a XXXX balance on all credit reports due to the write off but they refuse to state it as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Partial account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX This was for a XXXX XXXX credit card. 
They are reporting that in XXXX of 2017, I was 30 days late. This is incorrect. 
I have contacted XXXX XXXX numerous times, with no luck in correcting this. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Can I please lift my fraud alert and security freeze temporally for 3 month, I haven't received the pin to remove it, please send it to my 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 non-monetary relief
Consumer complaint received 2022-09-08
Company: CCF Intermediate Holdings LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
on XX/XX/XXXX They gave a title loan to a person using my maiden name along with my social.. The person used a title for a car that does not belong to me along with a driver 's license number that is not mine.I spoke with their fraud dept on XX/XX/XXXX after I became aware of the inquiry into my credit from XXXX XXXX. I have filed a police report ( police will not give me a report as its a civil matter ) and a report with the FCC. I emailed the company proof that I had filed the police report and report with the FTC on XXXX. I called their office and was told I needed to have the FTC report notarized. I do not feel I should have to jump thru hoops for these people just because they did not verify information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Santander Consumer USA 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: Credit inquiries on your report that you don't recognize

Complaint:
I have credit inquiries on my report that I do n't recognize. 
For example, in XXXX I have the following : XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, Santander Consumer on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX and so on.

Company response to consumer: Closed with explanation