BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-09
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is for both my checking account and my savings account, but CFPB web site only allowed me to check one. 

On XX/XX/XXXX I asked through XXXX 's web site how to fill out a POD or TOD. No response. 

On XX/XX/XXXX I phoned XXXX and spoke with XXXX, who said it's XXXX 's policy that customers need to go to the bank in person. I can't do that because the governor has a stay-at-home order, and even if he didn't it's not safe to be that close to other people. XXXX the nearest Chase Bank is well over an hour away. XXXX connected me to a Chase Bank in the XXXX area ( the nearest one that's still open ) and I spoke with the manager XXXX, who confirmed the policy. He said the he'd escalate the issue. 

On XX/XX/XXXX I received a phone message from XXXX, I phoned her back and left a voicemail, but haven't received a call back. 

This is ridiculous. It is perfectly legal to do a POD / TOD through the web site - I have an Ally Bank account with a TOD/POD and was able to set it up online. 

Lots of people are dying now and undoubtedly there are many other customers who are concerned about filling out a POD/TOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Experian Information Solutions 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:
I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$87.00} XXXX   XXXX {$290.00} XXXX XXXX  XXXX {$720.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$670.00} XXXX XXXX   XXXX {$220.00} XXXX  XXXX XXXX {$15000.00} XXXX XXXX XXXX {$23.00}

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 2021-01-19
Company: EQUIFAX, INC.
State: IA
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/20 I was laid off due to covid-19. I contacted XXXX credit card, they waived my payment. I then tried to contact citibank via the messenger in the app. They told me I would have to call. I called and explained that I was seeking help due to covid-19. The customer service representative came off as very rude. His response was " OK so do you want a payment plan or something? ''. I was a little surprised by how he was talking to me. He looked up one of my cards and said there's no late fees ever on that card so don't worry about it. Then he looked into my other card, and just said that he was gon na waive the late fees. I explained that my other credit card waive the payment for me, but he wouldn't do anything. I asked if my payment would double up since hes telling me I don't have to pay it and he couldn't give me a for sure answer. I logged into my account yesterday and noticed that I do have a double payment on the on account. I have sent several messages to citi bank via their app And sometimes they just cut my conversation off and end the conversation without any resolution. Yesterday, I notice that you could apply for assistance via their website so I went ahead and did that. This morning, I woke up to emails advising me that both my cards credit limits had been decreased and pretty much maxed out. One of the cards they took away {$5000.00} worth of credit. I thought the whole point of the assistance programs were to help you maintain your credit scores during this time. Now my credit score is going to drop significantly. Terrible customer service

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 2020-04-09
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:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

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 2016-08-29
Company: Progressive Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i bought a car in 2007 and changed auto carriers. they are trying to collect a illegal debt from me. the company 's name is progressive. 
the second company is XXXX. i payed them up to when i had them disconnect my service.

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 2016-07-22
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
credit report shows as a debt for {$59.00} as a XXXX debt. Ive contacted XXXX and I have no debt outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Experian Information Solutions Inc.
State: NV
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: Investigation took more than 30 days

Complaint:
this letters were sent most importantly due to the erroneous reporting to the 3 credits bureaus and put the highly negative impact on my personal credit report. 
1 ) XX/XX/2019 XXXX XXXX XXXX {$720.00} 2 ) XXXX XXXX XXXX {$710.00} 3 ) XXXX XXXX  {$750.00} 4 ) XXXX  XXXX   XXXX {$1600.00}

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 2022-09-14
Company: EQUIFAX, INC.
State: NJ
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:
I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and correct : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was mislead through a CHASE BANK phone conversation regarding the down payment I paid toward a refinance of my current mortgage. I was told that the deposit was refundable. An inspection was never completed on the property but the appraiser said I had to replace an inside door a, tiled basement floor and fix the spackle job in the bathroom ceiling. There was never a Purchase or a Refinance contract given to me stating the terms of my down payment or allow for any contingencies. I was told that my application was denied unless I do repairs that the appraiser could not confirm if the repairs were necessary. The language they used was they " may be '' necessary to repair but were not requires. Chase would not move forward with my loan application, therefore it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. 

XXXX 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 2020-04-09
Company: Experian Information Solutions Inc.
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:
Good morning, Somebody i heavily using my identity to get some money, i am seeing tons of hard inquiries in my credit report which does not belong to me, moreover i have not been living in the United States for 5 years, inquiries are given below. 1 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX CARD SERVICE- Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXXInquiry date : XX/XX/XXXX XXXX ) XXXX- Removal date : XX/XX/XXXX XXXX ) XXXX-Inquiry date : XX/XX/XXXX XXXX ) XXXX- Inquiry date : XX/XX/XXXX XXXX ) XXXXInquiry date : XX/XX/XXXX XXXX ) XXXX XXXX NA- Inquiry date : XX/XX/XXXX XXXX ) XXXX- Inquiry date : XX/XX/XXXX XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX   CARD SERVICE- Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX ) XXXX-Inquiry date : XX/XX/XXXX XXXX ) XXXXInquiry date : XX/XX/XXXX XXXX ) XXXX CARD- Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX-Inquiry date : XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXX- Inquiry date : XXXX XXXX, XXXX XXXX ) XXXX Inquiry date : XXXX XXXX, XXXX XXXX ) XXXX XXXX   XXXXInquiry date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX ) XXXX NA-Inquiry date : XX/XX/XXXX 2018

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: 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2022 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am a natural person.i am a living Human Being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC1681. They have violated my rights numerous times. I demand the accouns listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not in any way give Equifax written permission to furnish these accounts. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Account name : XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX Account name : XXXX XXXX XXXX XXXX Account name : US DEPARTMENT OF EDUCATION Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: EQUIFAX, 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:
What I find disturbing is that equifax put my personal information security at risk back in XXXX XXXX when I first began challenging fraudulent accounts on my credit report ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and I wasnt notified until last month when it made the news. Since XXXX I have been challenging equifax however they continue to ignore my requests of validation however what they continue to say is we call to match up name, address, and SSN. Thats it. Merely calling to match up numbers doesnt prove that an account it valid. It is clear that equifax continues to allow their vendors to place false trade lines on poor consumers, like me, credit reports thus destroying my credit worthiness thus making it harder for me to get credit. Ive gone back and forth with equifax trying to resolve this issue however they refuse to follow the guidelines set forth via the FCRA. It now seems as if they KNOWINGLY ignore consumers rights. Equifax breech has compromised my name, address, and SSN YET this is the SAME EXACT information someone needs to place their tradeline on my credit. The same information that was leaked is the SAME information someone needs to place something on my credit which is also THE SAME information you call and verify instead actually providing documented validated proof. I dont understand how you leak my information yet continue to compromise it by allowing fraudulent unverified accounts to remain on my credit. At this point I am ready and willing to seek legal representation in order to protect myself from equifax and their practices if after 15 days these two accounts remain on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: DE
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:
Experian has been reporting false information on my credit report for about a year. After a debt was paid and was supposed to removed from my credit profile.

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 2017-11-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently ordered my credit report from Equifax and noticed a number of unauthorized enquiries.There were enquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called and spoke to a representative who advised me that nothing can be done.Iam therefore reaching out to this entity to do an investigation because I would like these enquiries removed .TY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. I currently have a FHA mortgage loan. I have been impacted by the national disaster of COVID-19 and have reached out to my mortgage servicer, Home Point Financial. After speaking with several representatives, including a supervisor, XXXX XXXX, it was explained that the only forbearance option I had at this time would be to defer my payments for 90 days and at the end of the forbearance, a balloon payment of all three payments in addition to the XXXX payment would be due. 
I explained to Mr XXXX XXXX, that according to the CARES act, his company is required to provide me with reasonable, good faith accommodations to assistance me during this national crisis. He repeated the aforementioned and stated, " until the investors tell them to offer additional options, this was all that was available at this time. '' Home Point Financial is not complying with the Federal law in providing its customers " good faith '' efforts in accordance to the law. Please help me. I do not know where else to turn and need help! You may contact me at ( XXXX ) XXXX. I look forward to hearing from you. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery Assests has continued to contact my employer after being asked not to by my employer and by myself. My employer has told them to stop contacting me there, as I have, but they continue to call. They have been repeatedly asked to remove my work number. They also refuse to give me information on where this debt originated. They have also refused to accept my monthly payment offer due to it being too low despite my husband being unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had mortgaged XXXX properties in XXXX separately. Several years later OCWEN LOAN SERVICING , LLC became the loan servicing company for both mortgages via XXXX different previous loan servicing companies. 1 ). One company Litton, the previous lender to XXXX present Ocwen loan, did modify my mortgage but I later learned the document I signed added {$40000.00} to my principle in order for that company, Litton, to modify the loan. This property had been owned by several other companies before Litton owned it. This was very unethical for Litton to do I feel. I was able to get the monthly loan amount decreased over time and retain the property before the loan was sold to Ocwen. Before the modification I had paid approximately XXXX years worth of payments on time before my financial difficulties developed. Ocwen phone agents have been rude, do not all give me the same consistent information when I call, typically refuse to allow me to speak with a supervisor to resolve my inquiries or just plain hang up on me or place me on indefinite telephone holds. 2 ). Ocwen would report me as late within XXXX days after the month I was late with payments up to XXXX days when I was experiencing financial difficulties. Now that my payment have been paid within the current month due, since XXXX XXXX on both loans, Ocwen can not report my payments paid since the last XXXX ( XXXX ) months. All XXXX credits agencies show me paid thru XXXX XXXX. This has the effect of keeping me from seeking possible refinancing should I want to do so. This is just wrong. Ocwen phone agents have stated Ocwen is not responsible that the credit agencies are responsible. When I submitted inquiries to the XXXX credit agencies the replies were the credit agencies report as soon as the reporting companies give them the information. If Ocwen could report within XXXX days after I was late for over XXXX days Ocwen can report in a timely manner when I have paid on time. All other of my creditors report my payments no later than XXXX days after the payments have been submitted. 3 ). Ocwen is and has been adding indiscriminately late fees to my account since servicing the loan. There are fees that I believe are incorrect and fees I have no idea why I am being charged for them. 4 ). I also have had refunds due me for balances on forced placed insurance after I secured insurance for my home. Thank you for reviewing my complaints.

Company response to consumer: Closed with explanation