BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-16
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:
15 usc 1681 sec 602 sec a, states that the credit bureau cant furnish a acct without my written consent. 
The following accounts need to removed from my credit report asap. 
I have requested written proof of these debts and the credit bureau has not complied. 
I have opted out of aribitration and will sue the credit bureau. 

XXXX XXXX acct number XXXX XXXX XXXX acct number XXXX  XXXX XXXX acct number XXXX XXXX XXXX act number XXXX XXXX XXXX scct number XXXX XXXX XXXX acct num XXXX XXXX XXXX act num XXXX XXXX XXXX acct num XXXX XXXX XXXX XXXX acct XXXX XXXX. XXXX, all XXXX old Need to be removed from equifax XXXX XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts and addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
This account was a Charge off account, and it was opened in 2013 and I have been reaching out because I am trying to close on my first mortgage, but the lender is telling me that I must get all the negative stuff off my credit report before we can even close. Please help in getting this potentially negative account off my credit report. This keeps showing in my report it's supposed to drop off after 7 years.

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

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 2022-05-31
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Everytime I call and tell them I applied for HAF they say they don't know who this is. Also XX/XX/XXXX I was XXXX behind because of the pandemic. They said they were push it to the end of the loan but then they added 5 yrs to my loan. So I stead of my loan 25yrs left I now have 30 again. They didn't give me any other options. I'll be XXXX when the house will be paid off I am XXXX  husband passed XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Lakeview Loan Servicing assumed servicing for my mortgage from XXXX XXXX  in XX/XX/2018. Since that time I have been dealing with both incompetence and frivolous fee billing with this organization. XX/XX/2018 I was given an amount that would pay my loan down so the PMI would be taken off. However, the calculations were incorrect so I had to wait several more months before the PMI was lifted. Recently I had a problem using their online payment system in that they did not bill the bank account number I had been typing in and using over the past 9 months. When I noticed the payment I submitted on XX/XX/XXXX had not cleared my bank account, I called in XX/XX/XXXX to inquire as to why. It appeared that a digit had been dropped from their transaction so they were trying to debit an incorrect bank account number. The support rep on XX/XX/XXXX stated that we would have to let the prior payment fail, and input another that would clear. I had asked her to correct the number so the original payment would clear, but she stated the process she described would not result in any charges. 
On XX/XX/XXXX I received a letter stating they were charging me for a fee for 'non sufficient funds '. Upon receipt I spoke with XXXX who stated that the XX/XX/XXXX call would need to be pulled to verify the issue. I requested that to happen but never heard back from the company. I notice that my next payment shows the fee added.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 XXXX XXXX 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 2023-12-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 and XXXX XXXX is showing auto loans on my credit report that was never mine and I have never signed a contract for these. I would like them deleted. 

XXXX XXXX XXXX XXXX is from XXXX 

XXXX XXXX is from XX/XX/. 

Both of these accounts are showing payments as well as on-time and late payments.

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 2023-05-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
See the attached documents on why i am so disappointed because of what is happening on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was never late on these accounts. Please remove the late payment remarks.

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 2023-12-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is personal information on my Experian credit report that is incorrect and I would like it removed please

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 2023-01-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My social security number has been compromised and there have been several accounts opened under my name and social since XX/XX/2022. Theres a PayPal Credit account listed under the social security number provided to me for which is fraudulent and needs to be removed from my credit report. Someone has been using my name, social and address and Ive been in the hospital since XX/XX/2022.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 

I contacted the U.S. Bankruptcy Court courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 

It is quite clear that someone from Experian lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : " XXXX XXXX Bankruptcy '', Docket # : XXXX Please respond to me in writing once this removal has been completed. 

Sincerely, 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 2023-12-13
Company: LEXISNEXIS
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Subject : Opt-Out Request Pursuant to 15 USC 6802-6805, Fair Credit Reporting Act, and Privacy Act of 1974 I trust this letter finds you well. I am writing to formally request to opt-out of certain uses of my personal information, in accordance with the Gramm-Leach-Bliley Act ( 15 USC 6802-6805 ), the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974.

Under the Gramm-Leach-Bliley Act, financial institutions are obligated to safeguard nonpublic personal information. I am exercising my rights under this Act to ensure that my information is handled with the utmost privacy and security.

In addition to the GLBA and FCRA, the Privacy Act of 1974 further governs the collection, maintenance, use, and dissemination of personal information by federal agencies. I want to ensure that my rights under this Act are also respected in the context of any information you hold pertaining to me. 
Therefore, I formally request to opt-out of any sharing or use of my personal information for purposes beyond those explicitly permitted by law, including any third-party marketing or promotional activities. I also request transparency in how my information is collected, maintained, and shared in accordance with the Privacy Act of 1974. 
If there are specific procedures or forms that need to be completed to facilitate this opt-out request, kindly provide them at your earliest convenience. Additionally, I request written confirmation that my opt-out request has been processed in accordance with the law. 
Thank you for your prompt attention to this matter. I anticipate your cooperation in ensuring the responsible and legal handling of my personal information in compliance with the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and the Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am experiencing significant stress and XXXX  due to this issue, and it is interfering with my ability to sleep properly. I implore you to rectify my account 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 non-monetary relief
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is fraudulent I never ordered from them someone used my information an ordered merchandise from XXXX I do not have a XXXX account this is fraudulent an shouldn't be on my credit

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 2023-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 submitted a claim on Thursday XX/XX/XXXX. I was then sent to the fraud department and the fraud department told me I would have my funds back immediately that day well on Friday XX/XX/XXXX, I did not have my funds back so I made another call to Bank Of America and was told that they put in an escalation and I would have an answer later Friday afternoon. I called Bank Of America back because I had also requested a supervisor call me and no one ever called me and the second person I spoke to on Friday told me that an escalation was never submitted. They submitted finally, and escalation Friday afternoon which shouldve been completed by Tuesday XX/XX/XXXX. The escalation was not completed by Tuesday when I spoke to someone so they submitted another escalation. Well here we are Wednesday XX/XX/XXXX and I called and no one ever filed the escalation from XX/XX/XXXX like they said they did and I still dont have my money back. every person I talk to from the bank gives me a different answer. Every person who says they did something for me ends up not doing it and I just keep getting the runaround.

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 monetary relief
Consumer complaint received 2023-06-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX, I called Chase Bank to do a promotional balance transfer from my XXXX XXXX  going to a Chase credit card. The Original rep took my XXXX card # and told me the transfer from XXXX to my Chase card would take btw XXXX days. I just checked my new card and the transfer amount of {$5000.00} has posted to my new card. 

The problem is my XXXX XXXX  still shows {$5000.00} and no pending transactions to withdraw that money. 

I called Chase Bank about this and was told the original rep typed the wrong account #. I now have {$5000.00} posted on both Chase & XXXX. I spoked with the XXXX today and told her my billing period for XXXX ends early in XXXX and I don't want to be charged 2x. The XXXX @ Chase said it can take up to 30 days to post. I told her I don't want to be charged 2x for {$5000.00} because the Original rep didn't type my account correctly. She told me she can not remove the {$5000.00} from Chase. All I want done is to have the {$5000.00} removed from my XXXX XXXX before XX/XX/XXXX. I should not have to pay {$10000.00} on interest/fees when it should only be for {$5000.00}. Please investigate ... .This is not right ......

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: NVR INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On Monday, XX/XX/XXXX, I purchase a new built home from XXXX XXXX and NVR Mortgage at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. XXXX XXXX and NVR Mortgage have engaged in predatory lending practice by selling me a home that was originally appraised for {$520000.00} from one of their contractor 's companies, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX by XXXX XXXX XXXX. On Monday, XX/XX/XXXX. XXXX XXXX conducted another appraisal for {$570000.00}. Lastly, on Friday, XX/XX/XXXX, XXXX XXXX sent XXXX XXXX and NVR Mortgage a final appraisal for {$580000.00} for which I paid {$580000.00} for the purchase of this house and NVR approved it. There was a {$59000.00} difference from the first appraisal and the last one XXXX XXXX and NVR Mortgage charged and approved me for the purchase of my house. This is a clear example of predatory lending. XXXX XXXX did not provide any justification as to why 3 appraisals all have inconsistent data and price increases less than 3 months. XXXX XXXX manipulated this data as it pertains to the appraisal of the sellers XXXX XXXX and NVR Mortgage benefits and profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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:
in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681.

these accounts 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section2 : It also states that a consumer reporting agency can not furnish account without my written instructions.

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

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

15 U.S.C 1681i-5- reinvestigate

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 2020-02-05
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Chase manhatten mortgage corporation XXXX XXXX XXXX XXXX XXXX California XXXX A CHASE PRIVATE BANK CLIENT BANK XX/XX/XXXX Telephone XXXX loan # XXXX XXXX XXXX DOLLARS states issued XXXX Certification of satisfaction states XX/XX/XXXX Tax map # Signed by XXXX XXXX vice president XX/XX/XXXX Grantor XXXX XXXX TRUSTEES XXXX XXXX AND XXXX, XXXX NOTARIZED BY XXXX XXXX XX/XX/XXXX City of XXXX XXXX, california XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX California XXXX Phone XXXX Prepared by XXXX XXXX /XXXX  My sole owned and deeded property XX/XX/XXXX GPIN # XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX  XXXX va XXXX to me clear and free of all debts and clear of title and clear of anyone ever having any rights to this property as example future spouses etc as recorded in XXXX XXXX XXXX  XXXX Virginia ..my divorce from XXXX XXXX ..as per deputy XXXX  deeds register email of documents to me in XXXX. 
SOME ENTITU SET UP A CHASE PRIVATE CLIENT ACCOUNT FOR ME XXXX CALIFORNIA AS A TRUST AND WEALTH MANAGEMENT SERVICES ... .AND THEY HAVE BEEN CONTROLLING MY LIFE. CHASE PRIVATE CLIENT BANK REVEAL MY IDENTITY THIEF I want my identity and my solely owned monies reimbursed to me from these accounts for to failure to protect and secure my personal information under our laws .... MY IDENTITY THEFT IS REGISTERED AT FTC ... I reported it since XXXX and fraud activities done in my names and SSN # addresses phone etc. I am again reaching out to Chase XXXX left XXXX XXXX numerous voicemail emails and faxes of my evidence in this matter. I have asked her to give me a specific time and date to discuss these matters. I AM AGAIN REFUSED BY CHASE. I rwquested a financial crimes specialist yo investigate and contact me from chase again last week. No response. Chase private client services send me my info relating to all transactions and where my monies are or were transferred to so I can continue to climb the federal agencies of the USA TO LOCATE MY IDENTITY THIEF AND MY MONIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 accordence with the fair credit reporting act # 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