BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: JPMORGAN CHASE & CO.
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:
My personal information was stolen from my car in 2020. I filed a police report. This is how they were able to steal my identity. They opened an credit account with Chase bank. ( I have never been affiliated with any bank other than XXXX  XXXX XXXX ) They took out almost XXXX dollars under my name. The reason it took my until now to file the report is because the perpetrator used another phone number and address for this account. So, Chase bank was never able to contact me. I have all the police reports and transactions made for that account in a PDF. I am unable to attach the transaction in this claim because the file is to large. But I do have that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX calls in the last 60 days from a variety of numbers. From this number - ( XXXX ) XXXX XXXX ( last 60 days ) - from this one ( XXXX ) XXXX XXXX from this ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX in last 60 days - ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
i 've been trying to lift temporarily a security freeze with Equifax and they wo n't do it online nor on their telephone automated service ... they just tell me to mail it to them and hangup on me. i have had a credit freeze for many years and the other XXXX bureaus are all accessable online and by phone when i need them. but not equifax. not only do they loose my personal information through a breach but then deny me access to lift my credit freeze. I use to call a number to get a human being to help me but Equifax cancelled that line. " no longer in service '' XXXX. I used it last month to get my mortgage. Today disconnected. This is not customer service. 

How can i mail them a request when I do n't know when they 'll get the letter nor confirm they got my request and have lifted it. Why ca n't Equifax equal services that the other XXXX bureaus offer to consumers that are victims of fraud? Their answer is mail it? for what date? I need it TODAY! not in a month. They are really messing with me and with every consumer they just SHUT DOWN AND HUNG UP ON by the elimination of their phoneline to help us. 

Attached is a screen shot of their helpful information ... note that they give contact info and phone numbers for the other XXXX bureaus and ZERO for themselves. They need to be taught how to treat consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: Experian Information Solutions Inc.
State: MD
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 reached out to XXXX and Experian and XXXX on several occasions by CERTIFIED MAIL ( which I have proof of ), bringing it to their attention that XXXX XXXX was reporting inaccurately with the amount I allegedly paid to settle a debt and they have all refused to remove it besides XXXX. The 1st certifed letter was sent on XXXX X/XX/17. Second letter was sent X/XX/17. Third letter was sent X/XX/17.And the final letter was sent X/XX/17.. XXXX conducted a FULL investigation and realized that I was right and removed the inaccurate account from my report. Experian and XXXX have continously lied and said that it was verified as accurate which I have proof of that that is not at all true. I would like to move forward with a lawsuit and complaints against both parties for refusing to honor my rights as a consumer to only have ACCURATE information reporting on my credit reports.

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 2017-10-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have made 3 separate attempts to request modification of my adjustable rate mortgage loan, that keeps going up. I am struggling to make the payments and Chase has refused to help or support me in any efforts. The adjustable rate continues to rise and Chase has no concern to help me in this matter. Once again, I have requested loan modification 3 separate times. As a XXXX I feel that Chase is taking advantage of me as a predatory lender. I have never missed a payment nor have I ever been late, but I am struggling and I fear that I may lose my home and go into unfair debt. I request that Chase immediately place me on a lower fixed rate. On todays date, I spoke with Chase employee XXXX XXXX with the Chase XXXX service department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: AUDIT SYSTEMS,INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company, as identified by Caller ID, has been calling frequently. We answer the phone politely, yet no one speaks to us ; neither human nor automated voice, no matter what we say. After a few moments, the caller hangs up. Since they will not identify themselves, nor respond to anything we say ; will not say who they're trying to reach ( there are several adults living in this household ), nor what they want - I refuse to contact them directly, and feel that this should be reported. I am tired of the harrassment of frequent phone calls for absolutely no purpose. If not for Caller ID ( and having looked them up on the Internet ), I wouldn't even know this was a collection agency. The calls all appear from " Audit Systems '', XXXX. These are the most recent XXXX calls I've recorded information on -- XX/XX/XXXX : XXXX am, XXXX pm, XXXX pm. XX/XX/XXXX : XXXX pm, XXXX pm. XX/XX/XXXX : XXXX am, XXXX pm, XXXX pm. XXXX : XXXX am, XXXX pm, XXXX pm, XXXX pm. XXXX : XXXX pm, XXXX pm, XXXX pm. XXXX : XXXX am, XXXX pm, XXXX pm. XXXX : XXXX pm, XXXX pm. XXXX : XXXX am, XXXX pm. XXXX : XXXX am, XXXX am

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: MA
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 explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: SC
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 fait credit reporting act XXXX  account number 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have had a Netspend prepaid debit card with no overdraft for a couple years with no problems. Recently at time when my account balance was {$0.00} Netspend claims I purchased XXXX XXXX stuff and they approved a purchase and made my Card balance - {$190.00}. Normally they text me on all transaction but not on this one so when I deposited {$100.00} two weeks after the incident I was surprised to find my {$100.00} unavailable and my account negative another {$99.00}. Only after calling customer service I was informed of the fraudulent transaction for {$190.00} with XXXX XXXX two weeks earlier so I filed a dispute. 
I never ordered, downloaded or used anything on their web site and I couldn't have if I wanted to with no money on my card. The purchase shouldnt have ever been approved if there are no funds. Netspend did an investigation and mailed a letter to me saying that they contacted XXXX  and they said their evidence that the purchase is valid is because they have my financial info that I gave them for my XXXX  wallet account and should be confidential. Having that info is no proof. They said the second thing that is proof is that I went on XXXX " XXXX  '' and downloaded games and virtual currency which not true either and different for their first claim that it was a purchase from XXXX. All of that is irrelevant because anytime there are no funds all transaction are not approved. I disputed the fraud in writing and informed Netspend I never downloaded anything or used anything from XXXX but they are saying I must pay it. 
There are blogs I've found many many people that are having the same problem with XXXX that they never ordered from them but have charges. I don't have a credit card its a prepaid debit meant to never have debt. I don't even have the {$10.00} overdraft. Nothing like this has ever happened in the past and I wonder why they paid this transaction are trying to make me pay it. 
When I contact Netspend they say there's no number I can call to talk to Netspend Dispute Resolution Department and they are the only ones that can do anything about this issue. They also can not give me a phone number to contact 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 2022-05-02
Company: EQUIFAX, INC.
State: OH
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:
15 usc 1681a 15 usc 1681 section 602 15 usc section 604 Indcate inaccurate information on all consumer reports Indcate I have a right to privacy Indcate my information can not be sold or transferred without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
15 usc 1681a 15 usc 1681 section 602 15 usc section 604 Indcate inaccurate information on all consumer reports Indcate I have a right to privacy Indcate my information can not be sold or transferred without my consent

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 2021-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PORTFOLIO RECOVERY ASSOCIATES : purchasers of XXXX 

Original creditor : XXXX XXXX XXXX. No official paper trail provided of account ownership by Portfolio, only the typical " The original amount of this account was {$590.00} '' without any reference to what date that was, what was purchased, or last date of payment activity. Only item provided was a number : pay me. Lack of proof of account ownership, and XXXX XXXX record keeping as to the last date of activity. Portfolio claims account was opened XX/XX/2017. Where is the XXXX XXXX statement for that time period?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX PURCHASERS OF XXXX 
Original creditor is Capital One bank. Account sold and resold to XXXX who claims ownership to account with the thundering statement of : " The original amount of this account was {$520.00} ''. 

No further clarification as to when or where or what was purchased. Just an existing balance with an incorrect date of last account activity/payment. No Capital One records custodian signing of on a paper trail of account ownership : just an existing amount - pay. 

Date opened - Date of Status : XX/XX//2017? Was that when Capital One was used to make the last purchase or when the last payment date was made? no paper trail offered - just an existing balance : pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: DE
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 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 the charge. I ask 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 the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Pluese, Becker & Saltzman, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX has certified figures as correct & true to the NJ courts, while helping secure a Final Judgment. However it is clear they used CREATIVE Accounting and used made up figures and wrong dates. This Foreclosure complaint is wrong from the start to the present & new recent evidence leads us to strongly believe that fraud has also been committed to secure a Final Judgment. 
XXXX XXXX XXXX XXXX for XXXX XXXX is the substitute Plaintiff on this Foreclosure with wrong figures from the beginning. It was started wrongly by XXXX XXXX XXXX and attorney Pluese, Becker & Saltzman with a negative escrow balance In breach of the modification contract. They were told by us many times that there was an error but they refused to listen. We now have the proof and its in front of the court on n a Motion to Vacate FJ.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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  the following accounts -XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX -US Dept of Ed # XXXX -US Dept of Ed # XXXX XXXX XXXX XXXX XXXX XXXX & XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX have Violated my rights! !!!

- 15 USC 1681 Section 602 A. States I have the right to privacy.

- 15 USC 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 2019-07-17
Company: EQUIFAX, INC.
State: TX
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:
Equifax ; XXXX and XXXX are reporting incorrectly a collection on the XXXX XXXX XXXX partial account number XXXX*****. ( Please see page 4 of the attached credit report. ) I have contacted XXXX XXXX and requested an itemization of this account and the representative I spoke with there could not find any information about me in their system. I do not have an outstanding debt with XXXX XXXX. This false reporting of a collection is harming my credit score and this line item needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've been requesting to cancel the escrow account with current mortgage company, XXXX XXXX XXXX ( serviced by Dovenmuehle ) since last XXXX. I called numerous times and emailed a couple time but theyre not either cancelling the escrow account nor resolving the problem. Instead, theyre charging the late fee although I made a payment on XX/XX/XXXX and making negative impact on my credit. 

The reason why I want to cancel the escrow account is that they made my property taxes due in XXXX delinquent until XXXX. Theyre not capable of following up the taxes in timely manner. I would not like to deal with them any more in regards to my taxes. 

I received the escrow analysis from them and see the escrow account shortage amount of {$1900.00}. I made a payment on XX/XX/XXXX to make up the shortage amount on the top of principal and interest, which is {$5600.00}. 

- property tax paid in XXXX : {$8600.00} - escrow amount I paid since XXXX till XXXX : {$6600.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - - escrow shortage : {$1900.00} payment for XXXX : {$3700.00} ( principal and interest ) + {$1900.00} ( shortgage ) = {$5600.00} {$1000.00} Until today, theyre not trying to resolve the matter but trying to charge me {$12000.00} escrow reserve amount and raised the monthly payment by {$3000.00}. 

Instead Theyre not trying to resolve the issue, theyre trying to hold more money from me and put my credit jeopardized. 

Theyre not qualified and responsible lender / mortgage servicing company. Please address this matter with them and they have them take an action to correct this right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: FL
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:
Im really disappointed! I pulled my credit report ant I see no changes! I sent you complaints before that I have no idea where these accounts came from! Im sure that someone hacked my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Experian Information Solutions Inc.
State: MI
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  XXXX ; Highest Balance {$10000.00} XXXX XXXXXXXX XXXX  ; Highest Balance {$10000.00} XXXX  ; Balance {$0.00} These accounts are not my accounts. They are reporting late and Ive never even opened these accounts nor do I know where they come from. I dont own a bank account to revive a loan. This is fraudulent!

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 2021-12-08
Company: EQUIFAX, INC.
State: MI
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 XXXXXXXX XXXX  XXXX ; Highest Balance {$10000.00} XXXX XXXX XXXX ; Highest Balance {$10000.00} XXXX ; Balance {$0.00} These accounts are not my accounts. They are reporting late and Ive never even opened these accounts nor do I know where they come from. I dont own a bank account to revive a loan. This is fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: AppFolio, Inc.
State: UT
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:
XX/XX/XXXX, attempted to fill out a rental application as a co-pay for my granddaughter with XXXX XXXX XXXX, which, in turn, uses AppFolio, Inc for a Credit background check. My issue is with AppFolio 's data collection software : First, requires a full page of my Employer data -- I am XXXX and retired. I cheated that page by filling in with my XXXX XXXX XXXX. Then they asked for my SSN, I realize they can do this, but the company is not even affiliated with the XXXX, though they are listed on XXXX. The BIG Issue : In order to show income/assets, they ask me to provide Username an Password -- In this case, XXXX XXXX XXXX This would give them a significant amount of control over my Investment account with over XXXX XXXX  dollars in assets! IS This LEGAL? 

Obviously, I canceled the application. I tried to contact AppFolio Customer Relations twice, XXXX XXXX and XXXX, and only received a pro-forma program response " contact your rental agent to find a work-around ''. -- I had specifically asked for a phone call, but they would not comply. I realize this company does a great job for their rental agency customers, but rental payment customer? 

My background : 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 know " a little bit '' about credit scoring : - ). 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation