BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
You have had an installment account with XXXX XXXX for almost 42 months and have never missed a payment. They are showing missed payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Again I have never missed a payment and they have as acknowledged that and have said they have contacted Equifax and told them to report as an I-1 with no missed payments.

Equifax has not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: JPMORGAN CHASE & CO.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
**I AM SUBMITTING ADDITIONAL DOCUMENTATION PROVING THAT THE CHARGE WAS FRAUD** XX/XX/2023 : I was fraudulently charged {$1700.00} for an XXXX XXXX XXXX XXXX TN purchase. I did not authorize or make this purchase. I have never had a contractual relationship with XXXX or XXXX XXXX XXXX XXXX TN. 

XX/XX/2023 : I made a claim with Chase stating that I did not authorize/make this purchase. 

XX/XX/2023 : Chase responded that they would NOT credit my account stating We found that the transaction ( s ) was processed according to the information you provided or was authorized. 

XX/XX/2023 : I immediately called Chase stating that I would like to appeal this decision as I have NEVER RENTED FROM XXXX in my life. I have absolutely no knowledge of this charge, and I have no contractual relationship with XXXX. Chase told me to dispute this with XXXX. XXXX in return told me that since it was Fraud, legally, only Chase could do something about it. 

XXXX told me that legally, because this was a fraudulent purchase, I would have to go through Chase to get my funds back. 

XXXX provided me with the rental agreement for this purchase of {$1700.00}, which shows that I did not enter into a contractual relationship with XXXX ; it shows another person who did instead. I do not know this person and I did not authorize this person to charge my card for this transaction. 

I have uploaded a copy of the rental agreement which proves beyond a reasonable doubt that the {$1700.00} withdrawn from my checking account was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: ACIMA CREDIT, LLC
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was able to take a look at my consumer report. I have found that Acima Digital Fka Simp are using abusive, deceptive and unfair debt collection practices to collect on the alleged debt in reference. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). I extended credit to Acima Digital Fka Simp to obtain a vehicle. The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. All extensions of credit are deferred under code 18 USC 891 ( XXXX ). Acima Digital Fka Simp is engaged in extortion and racketeering activity by attempting to collect this debt under Title 18 XXXX XXXX  Failure to make the repayment of this alleged debt has resulted in the use of criminal means by causing harm to my reputation. My consumer report does not include a report containing information solely as to transactions or experiences, furnishing late payments are a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). I never received adequate notice that sets for the pertinent facts for this consumer credit transaction which violates 15 USC 1602 ( k ). Acima Digital Fka Simp has benefited from my uninformed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting documentary evidence specifically the book of account under 15 USC 44 to validate this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: MOHELA
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Dear CFPB Representative, I have been waiting nearly a year from my original fully completed application for student loan debt forgiveness under the XXXX XXXX XXXX XXXX XXXX ( PSLF ) to be processed and my loans forgiven in full. In this time my fully completed and totally compliant application has received numerous unecessary and possibly illegal delays in the processing of forgiveness as my loans were transferred from XXXX to XXXX XXXX and then again to MOHELA this summer. 

On XX/XX/2022, I received notice that my loans had once again been transferred to a new student loan lender as part of this process. My loans have now been transferred from XXXX XXXX to MOHELA. When my loans were transferred in XXXX, I had already been approved for XXXX PSLF Qualifying Payments out of a total of XXXX Eligible Payments. The process had not been completed due to the additional information needed about my first public sector employer. This information which was provided to MOHELA in XXXX ( see attachments for more detail ). 

My total student loan balance which is now with MOHELA is {$48000.00}. This is the amount that should now be forgiven in total. In addition to the total loan forgiveness, I am also eligible for reimbursement by the federal government of my overpayments beyond the required 120 monthly payments. By my count, I overpaid by a total of {$4900.00} in payments after I had made the required 120 monthly payments. So, I should receive at least a refund check in the amount of {$4900.00} in addition to the total student loan forgiveness. 

I continue to remain employed as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as of the date of this complaint and remain eligible for student loan forgiveness. MOHELA has made no progress is processing my student loan forgiveness since my loans were transferred from XXXX XXXX to them this summer and I am beyond angry at how slow this process is and now nobody at MOHELA even answers the phone to respond to questions about the status of my loan forgiveness and reimbursement check. 

Please Help!!! 

XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RI XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job in XXXX I called Nationstar to tell them. They said to make payments when I could. I was unable to. I had a problem getting unemployment & assistance. In XXXX XXXX I got full time & called to tell them I had received full time & would be able to make payments regularly again. I later learned it was the day after I called, they foreclosed on me. But, unaware at first of my foreclosure status we discussed a loan modification. It took them from XXXX to finally sort out & finally accept my paperwork making me redo & resend documents several times. Made a payment in XXXX XXXX ( got sent back 3 weeks later ). XXXX XXXX XXXX payment, they kept that. When I went to pay XXXX I was unable to. I was told my modification packet had expired. Needed a new XXXX every 90 days. In XXXX I spoke to a law firm that said it was up to me weather or not to pay them. That I could wait til I 'm served & they would handle it from there. On XXXX I sent in a modification packet, I called on XXXX to check in the status I was told at that time my home was to be sold at auction on XXXX. I was told all through out this time there was nothing to worry about, no sale date, I was even told by XXXX representative to go ahead & put a new roof on my house ( I did not do that ). I called the courthouse I was told they tried serving me but they did an avoidance waiver on me. Apparently, I 'm not allowed to work. I was then informed the man I bought my house from 15 years ago & have n't spoken to since was served. When I asked why he was served no one could answer that question for me. I still do n't know why til this day. So, the court went ahead because according to them someone involved in the case had been served even though no one had. I was sent a letter dated the XXXX from Nationstar saying if they had received my packet 15 days prior to the sale date they could have helped me ... they received it 14 days. Since then I have not received an eviction notice, but the new owners have started renovations on the home with some of my property still in it. I lived in that home for 15 years & paid on time until I lost my job. I am lucky to have a place to go with my XXXX yr old daughter, many are not quite so fortunate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: EQUIFAX, 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:
I have disputed the below listed items several times to no avail. On XX/XX/2021 I called XXXX  to get clarification on how theyve continually validated these debts when the creditors wont even respond to the letters I sent them as a consumer. I asked XXXX  representative XXXX if the below listed companies provided XXXX  with proof that the accounts belonged to me to which he responded no. I then asked if they have not provided proof that the accounts belonged to me why they weren't deleted to which he responded that it was my responsibility to follow up with the companies to get validation which is not correct. I hung up & called back & I was transferred to XXXX  who works in the fraud department & I asked her the same question, how do these debts keep coming back verified & validated if the companies wont respond to my certified letters to which she stated that XXXX  submitted a dispute and the companies simply sent back a letter stating to leave the accounts on my report so XXXX  continued to report this negative information which is severely damaging to my reputation. I asked again, So these companies haven't supplied you with a contract with my signature or any documentation proving that I signed up for these accounts? To which XXXX  responded No and when I asked that they provide me with the documentation XXXX  received to verify these accounts, I was told that XXXX  does not provide this information even though the FCRA is very clear on debt validation. This is clear and blatant evidence of willful non-compliance on XXXX part! These accounts should immediately be removed from my credit report without any further investigation because XXXX  has made it abundantly clear that they do not investigate these accounts. If thats the case anyone can report anything on anyones credit report. This is an egregious violation of my rights as a federally protected consumer. I have disputed these accounts several times with CFPB & XXXX, its time to do the right thing its clear that XXXX  has no intentions on doing so. If this is not cleared up immediately I will be seeking remedy under 15 USC 1692K. 


The following accounts need to be deleted from my consumer reports immediately : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX/XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: DISCOVER BANK
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} DISCOVERBANK - XXXX  - {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX  {$150.00} XXXX XXXX XXXX  - {$150.00} On XXXX  I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX BANK 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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
According to the law the bureaus are not allowed nor authorized by myself to report the information being presented on the credit report and I wish for each item to be addressed individually I have attached each report with laws and requests attached

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 2019-08-05
Company: Diversified Consultants, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed that a derogatory mark appeared on my XXXX credit report in the amount of {$91.00} with the open date XX/XX/2019. A similar mark appeared on my XXXX credit report on XX/XX/2019. The reporting company was listed as " DIVERSIFIED CONSULTANTS INC. '' I do not believe I owe this alleged debt. 
I have not been notified of any alleged debt by this company - via correspondence or otherwise. I believe this company is required to notify me of any alleged debt prior to, or no later than 30 days after, furnishing negative information to a credit reporting agency. It has been 30 days since this company furnished negative information, and this has not occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Genesis FS Card Services, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
So to summarize my problem.. in XXXXXXXX XXXX XXXX, I applied for an Indigo Mastercard by Genesis FS Card Services and was approved for {$300.00}. To this day, I still have never received my credit card from them and I called almost 5-10 times and I only get the same answer that I must wait another 2 weeks. I can not create a login nor pay my bills online on their website because I dont have card numbers to register my account. Keep in mind that they can easily send me monthly statements to my home, but cant send 1 single credit card in 3 months time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
forced placed coverage my mortgage company put a {$2000.00} plus coverage .on my mortgage they put maximum amount of coverage i payed to have survey to prove no flood zone so they removed the policy so now i pay around {$200.00} extra until i pay off the {$2000.00} coverage please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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:
I am intrested in disputing all unauthorized information on my credit report with Equifax. checking my file ive noticed alot of invalid information. this stopping me from approvals an moving forward. please update all information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am writing to express my concerns about inaccuracies in my credit report that I have previously disputed without success. The specific accounts with errors are detailed below : XXXX XXXX The account status is incorrectly listed as " Open, '' though it has been charged off/placed for collection. No last payment is indicated, and the account is only reported to TransUnion, but not XXXX and XXXX. The last verified date is shown as XX/XX/XXXX, which I find questionable given the inaccuracies. 

XXXX XXXX This account status is erroneously showing as " Open, '' although it has been charged off/placed for collection. Despite the credit remarks stating " account information disputed by consumer, meets FCRA requirements, '' the account inaccurately reports as " Open. '' The account opened dates also differ between XXXX ( XX/XX/XXXX ) and TransUnion ( XX/XX/XXXX ). 

XXXX XXXX XXXX The account open dates and closed dates vary across the three bureaus. TransUnion lists the open date as XX/XX/XXXX and closed date as XX/XX/XXXX, while XXXX and XXXX list the open date as XX/XX/XXXX and do not report a closed date. 

XXXX XXXX The opened date does not match across the three bureaus. TransUnion reports XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. The dates of last activity are also inconsistent across the bureaus : TransUnion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX, and XXXX shows XX/XX/XXXX. 

These inaccuracies negatively impact my credit score and financial reputation. I request your assistance in investigating these matters and ensuring that these discrepancies are corrected, or the accounts are removed from my credit report as appropriate. 

I appreciate your attention to this matter and look forward to your prompt response.

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 2023-01-18
Company: Experian Information Solutions Inc.
State: NY
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 received a notification from XXXX XXXX on XX/XX/2022 that a credit card had been opened in my name at XXXX XXXX XXXX. I have never purchased anything from them either online or in the store. I called XXXX to see what was going on. I asked her to close the account and told her it was fraudulent. She said it " seemed like a fraudulent purchase '' but She also told me that I was responsible for the payments or it will ruin my credit!! I disputed the charges on that day. XXXXXXXX XXXX XXXXXXXX would not tell me where these goods were shipped. She told me the purchase was made online and the credit card was opened online. A week later I received a store credit card from XXXXXXXX XXXX XXXXXXXX in the mail at my house! That means this fraud person knows my home address!! Also on XX/XX/2022 I called Experian and I could not get hold of anyone due to their ridiculous phone prompts. I wasted an hour trying to speak to an actual person. Its almost like they are purposely avoiding speaking to their customers so they cant be held accountable. So I went online to dispute the charges. I also put a total credit hold on ALL my credit. Now fast forward a few weeks and XXXX XXXX XXXX is now claiming that these charges are MY RESPONSIBILITY and refusing to drop the charge. Experian agreed with them and said I am responsible for this $ XXXX credit card! This is questionable business practices. I asked to know HOW they came up with this conclusion, and they could not even tell me. Also I filed a police report with my local police and I can provide the police report upon your request.

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

( 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