BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-06
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
JPMorgan/Chase was the mortgage lender. In XXXX JPMorgan/Chase stated I was XXXX  months behind on payments ; in XX/XX/XXXX we went to court ; during the proceedings I gave the judge statements from my bank acknowledging the cleared payments to every payment made. The judge ordered chase to update their records ; XXXX  did update records. I continued to make my monthly payments by calling and speaking to an agent to ensure that chase was getting the correct amount, on the statement dated XX/XX/XXXX it was XXXX then on statement dated XX/XX/XXXX it was XXXX. I called chase about the descrepency ; however, the mortgage lender proceeded to tell me my loan was transferred, however I still made a monthly payment to Chase because my loan was not completely transferred my new servicer is now saying I am delinquent and they have not recieved any payments and they want all or none. I have been talking to both and neither one is trying to resolve the issue or update payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On Sunday,     XXXX   XXXX  2016   , I received a notice in my door reminding me that my lease to  XXXX   XXXX   XXXX  would expire   XXXX   XXXX  2016   . At the time I was unable to respond to the notice as the leasing office is closed on Sunday. Later in the week, I notified  XXXX  in the leasing office that I would not renew the lease and had already made arrangements to move out.     I have included the unsigned Lease Agreement Extension as well as the Lease Agreement Extension Fair Collections and Outsourcing received from   XXXX   XXXX   XXXX   (  XXXX   XXXX  ), dated   XXXX   XXXX  2016   , as an attachment to this complaint. The expiration date on this documentation was falsified and  " Auto Renewal ' ' was entered on the document, instead of obtaining my signature, after I told them I will not renew my lease. The attached documentation also shows a discrepancy between the date entered on the  Security Deposit Disposition  as to when this was sent to collection (   XXXX   XXXX  2016     )  and the signature date that  XXXX   XXXX   XXXX  entered on the Lease Agreement Extension (   XXXX   XXXX  2016     ).      I disputed and requested verification of this collection item with  Fair Collections and Outsourcing  but their response brought no change. I was provided a breakdown of fees owed, shown in the attached  Security Deposit Disposition , but this information is also inaccurate. As shown on the attached  Security Deposit Disposition,  the reason for leaving was NOT due to eviction so there should not be any attorney 's fees. If any attorney 's fees were assessed, I have not been provided proof that those fees were paid by  XXXX   XXXX   XXXX   (   XXXX   XXXX   ).  I am also attaching a copy of the lease I entered into at my new place of residence that began   XXXX   XXXX  2016    which again,  XXXX   XXXX   XXXX  was made aware of this.     I hold FCO responsible because they accepted this account. They also had two opportunities to validate the account and failed to do so. Had they properly validated it, the correspondence I received from them should have the Intent To Vacate notice that I signed and left with   XXXX   XXXX   XXXX  . Along with that notice I provided a forwarding address to send any balance owed due to failure to clean the apartment but that amount was taken from my security deposit, as shown in the  Security Deposit Disposition .   XXXX   XXXX   XXXX   (  XXXX   XXXX   )  fraudulently submitted documents to Fair Collections and Outsourcing in an effort to collect money that is not owed to them. Fair Collections and Outsourcing is now reporting to all   XXXX   credit bureaus inaccurately and without properly verifying the account upon my request which has brought me to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I never have used another name besides XXXX XXXX, I keep seeing many versions of XXXX and getting offers for credit card : XXXX XXXX XXXX XXXX XXXX I also see a wrong address I have never been at : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ... May we correct this? It worries me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: CORELOGIC INC
State: GA
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   am writing to dispute the following information in my file. I recently received a copy of my credit reports (  XXXX ,  XXXX ,  XXXX  ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports 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 2020-04-06
Company: EQUIFAX, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THE XXXX XXXX XXXX XXXX  XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THE XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2015-03-23
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am being forclosed on by Wells Fargo. I have been in my home for XXXX years, my mortgage has been traded or sold a few times. When Wells Fargo had it, they gave me a line of credit which they said was like a XXXX mortgage. I was having some financial difficulty because of a theft and tried to refinance. WF took that line of credit and my XXXX mortgage a put them together telling me it was a modification.They told me the interest would be a lot lower than 12 % and I would be paying less what I was paying at the time. They instead brought the interest rate up to 12.02 % and {$1100.00} a month and told me I did n't have a choice in the matter and I should have read the fine print. In XX/XX/XXXX I lost my job of XXXX years becuase my boss XXXX. I was on unemployment for a XXXX in which they temporarily reduced my payment. They told me they would work with me and make it so I could still afford my home after the unimployment was done. I have applied and reaplied. They will notwork with me. I can not afford the 12 % interest and {$1100.00} payments since I only make {$XXXX} an hour now. They refused me a Hamp Loan or any other plan because they say that I got my loan after XX/XX/XXXX which is not true. They even tried to sue me for the title that they lost. The people bullied me and were very rude. The woman that I talked a few times keep calling me and telling me that I needed to just turn over the house to them and after my surgery I could die then it would be a problem for them to get the house settled so just turn the house over to them before I went to the hospital.. At the moment I am trying to find a Lawyer that can help with this. I did have a Mortgage counsiler from the State that spent XXXX hours working with me and WF trying to resolve this. She said that she had concerns of their predatory nature of thta loan. I do not want to lose my home. I am trying to get the loan where I can afford it at an resonable interest rate. Im not sure where to turn. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
So I went to purchase a phone from someone in person, I sent them a payment through PayPal and the returned the payment because they wanted me to pay them in cash apparently, so I did just that. After paying them in cash, a few days later the XXXX they refunded me was taken out my account in form of an XXXX, but I didn't know the transaction was still going through because I thought she refunded it but apparently I was wrong, and so I asked PayPal to reverse the transaction and they told me they weren't able to and only my bank would be able to and so I asked my bank and they gave me the same response and to ask PayPal and they sent me back and forth literally XXXX times just for neither of them to be able to get my money back and for the lady to continue to say she didn't receive no money even though PayPal is saying she did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Reference : Case # XXXX. 
XXXX ( XXXX ) called me today to tell me HSA Bank will close my account - their chose not mine. I sill CAN NOT access the account. When HSA closes my account and sends me a check there will be taxes due on this money because it is a tax deferred health savings account. HSA MUST pay the taxes since HSA has chosen to close the account because I can not access the account on line.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: DriveTime
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I got a car from drive time and all they have been trying to do is run game on me and I 'm getting tired of it. The car I got from them had transmission problems and probably other stuff as well. The transmission had a recall on it, so I took it to XXXX several times to get fixed, but I got frustrated and called XXXX corporate office and told them what was going on and they supplied me with a code to get a new vehicle, which I was given. I called drive time to let them know what was going on with the vehicle and how I wanted to turn the vehicle and that the car they gave me was having issues, so I talked to a supervisor and she said as long as I turned in the recall info and how many times I took it too get fixed about it not affecting my credit, but I have n't heard anything from them. All I keep getting is the run around and no one knowing what I 'm talking about and I think they are trying to affect my credit, so they say keep the car until I hear from supervisor. Please help. I have made calls after calls. It has been a week and 3days and they keep saying I will hear something XXXX and then the next day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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:
Hello my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these charges. I demand that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete as soon as possible. Please apply these laws to my accounts. The Fair Dept Collection Practices Act Law 111-203, title X, 124 stat. XXXX XXXX XXXX  ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )

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 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THE XXXX 'S XXXX  OF XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2017-03-16
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have XXXX separate loans under consideration ( I 'm opening XXXX separate incidents, XXXX per loan ). Each loan was transferred a number of times, and satisfied with the final lender. The problem is that the original lender is still showing the loan as not satisfied with XXXX of the XXXX major credit reporting agencies.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This account was open in XX/XX/XXXX and the last year of activity was XX/XX/XXXX. XXXX XXXX is providing false and misleading information to credit bureau stating that this is a new account. I have requested a signed contract and a bill of sell from XXXX XXXX ( Information has never been received ). The account was not reviewed by the collector or the credit bureau. As a consumer it is my right that items on my credit report be correct. I also have right to proof of sell to XXXX and permission before my private information is sold to an unknown collector. It is the credit bureau responsible to investigate and make sure credit information correct. I know that my claim has not been investigated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX Acct ( # # # # # # XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Upon the reviewing of my consumer report, I noticed that you all were breaking several laws set by congress to ensure that information being furnished by you all are fair and accurate. 

I am putting you on notice that all Late payments being furnished on my consumer report is illegal. 

According to 15 USC 1666b. Timing of payments, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 21 days prior to the account being late I was supposed to receive written notice informing me that the account is going to be late. I did not receive any written notice prior. 

According to 15 USC 1681b. Permissible purposes of consumer reports, the only way any consumer reporting agency ( XXXX ) may furnish a consumer report is if it is in accordance with the written instructions of the consumer to whom it relates. I never gave Equifax written instructions to furnish any negative information on my consumer report. 

By not obtaining my written permission to furnish this negative information you all are committing Identity Theft. You are fraudulently misusing my personal information for financial and/or personal gain. 
I should also make you aware of 18 USC 1028A-Aggravated Identity Theft, anyone knowingly uses without lawful authority a means of identification of another person shall be sentenced to 2 years of imprisonment and up to 5 years for a Terrorism offense.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Creditor reports payment plan with XXXX balance, when all was cleared 15 months ago through bankruptcy reorganization discharge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In an attempt to apply for credit, I was denied and checked my consumer credit report. TransUnion was the only reporting agency that had a credit score for me, and also had a late payment showing on my XXXX XXXX account. This is completely incorrect! I checked further and saw there were two companies, XXXX and XXXX XXXX XXXX, both on my report as collection agencies. This is definitely fraudulent because I never opened any kind of account with the, or are in no business contract or obligation. I noticed both XXXX and XXXX also have collection accounts for me for XXXX XXXX XXXX and XXXX XXXX, companies that I have no knowledge of nor should they have the right to defame me. I have contacted all three CRAs and there still has been nothing 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 2021-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My cards were stolen in XX/XX/XXXX. I did not know cards were taken until I received statements. I call e XXXX and Bank of America and they refuse to believe it was fraud. I never made those charges to talking over XXXX. 
I filed a police report in late XXXX. 
My cards were used by someone else

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 2015-07-25
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I notified the XXXX major credit reporting agencies that XXXX collection agency 's had reported false information to them which showed as collections on my credit reports. Experian was the only Credit report agency who did not delete these XXXX collections. Both collections are from XXXX Account XXXX. The XXXX for the amount of {$380.00} and the XXXX for {$410.00}. I advised all XXXX Credit agencies that I was not responsible for these XXXX collections. They belong to my Mother ( XXXX XXXX XXXX ) who passed away XXXX XXXX 2014. I am not responsible for her debts. Again, I ca n't understand why Experian will not remove these XXXX collections from my credit report since they are not in my name and I am not reponsible for someone else 's debts.

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