BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-23
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : 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 2023-10-05
Company: EQUIFAX, INC.
State: GA
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:
I initially wrote to Equifax on XX/XX/23 asking for them to remove an account that included multiple inaccuracies, per my FCRA rights. They did not remove nor update the information. I then, filed a complaint here on the consumer finance site and waited for the investigation. As of today, XX/XX/23, Equifax responded that they updated the account to reflect all correct information for the account but they failed to do so again. I contact XXXX XXXX XXXXXXXX whom now holds the XXXX XXXX XXXX account and confirmed that the balance is {$42000.00}. Equifax is still reporting {$5100.00}. This account should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
In XX/XX/XXXX a car I had financed with TXXXX XXXX  was totalled. The car was fully insured by XXXX XXXX and XXXX was named as an additional insured. I have comprehensive coverage and XXXX XXXX took full responsibility to pay XXXX XXXXess a {$500.00} deductible. On XX/XX/XXXX, while the paperwork to get XXXX  paid was being processed by XXXX XXXX I filed a Chapter XXXX petition because of a judgments against one of my companies. All the creditors were paid in full and the Judge dismissed the bankruptcy because there was no creditor or debt over which the court could take jurisdiction. XXXX  was fully paid by XXXX XXXX but they still filed a credit report that said " Status-Petition for Chapter XXXX Bankruptcy. '' XXXX  XXXX has some overzealous lawyers who get paid if tha prosecute a bankruptcy case and these lawyers filed a claim in the bankruptcy case and held up the payment to XXXX from XXXX XXXX. The Chapter XXXX Bankruptcy impacted XXXX getting fully paid for a {$28000.00} car loan in no way at all and the status of the XXXX loan should not refer to the Chapter XXXX Bankruptcy which was dismissed and never was adjudicated. Dennis v. BEH-1, LLC, 504 F.3d 892, 2007 U.S. App. LEXIS 22690 ( 9th Cir. 2007 ), reh'g denied, reh'g, en banc, denied, amended, 520 F.3d 1066, 2008 U.S. App. LEXIS 6291 ( 9th Cir. 2008 ), reprinted, 520 F.3d 1066, 2008 U.S. App. LEXIS 6290 ( 9th Cir. 2008 ) where the court ruled " Federal Law forbids the reporting of a dismissed case. see Defendant credit reporting agencys reinvestigation of alleged error in plaintiff debtors credit report, which overlooked dismissal of unlawful detainer case against debtor and misinterpreted written stipulation between debtor and his landlord that no judgment would be entered against debtor in unlawful detainer action so long as debtor complied with payment schedule, fell short of reasonable diligence standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
It's come to my attention that my loan servicer, great lakes borrower services, is not able to explain the mechanic of " capitalization '' to me other than that it is a product feature that allows them to role over interest into my principal. This can not possibly be legal and what the regulators intended when greenlighting a product such as a " student loan ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: LA
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:
First I reached out to my hometown police department and notified them of identity thieft. I was told to notify the credit bureaus and let them know and they will take care of everything. ( since the accounts not that big in dollar amount ) I notified XXXX and XXXX about inaccurate information on my credit report. A identity theft alert was place on my credit reports ; but the accounts are still reporting on my credit reports and should be remove. Only one account has been removed. Ive also ask the debt collectors to send validation of debt ; and still havent received any validation. Validation consists of ; 1. agreement thats grants you the authority to collect on the alleged debt, 2. Documents that indicates that I agreed to pay someone this some of money.

3. What is the original amount owe and complete payment history.

USC 1692g SEC 809 ( b ) Please send me a response to my complaint via email. I XXXX XXXX is writing this complaint on behalf of myself and will like my response back through the same portal I sent my complaint. 

Ive also sent an affidavit form in before through the mail; but received a letter back in the mail that said I had to make a police report. So I did go to my police department and thats when I reached out to the credit bureaus and they placed an alert on my credit reports but did not remove the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has wrongfully added a derogatory mark on my credit. This account is passed the statute of limitations. This company is not the original creditor and has been sold to another company who has bought the debt and now I no longer owe it. The statute of limitations is 4 years and its has been XXXX. Please remove from my credit. Or prove I owe the debt.

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 2021-04-05
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On or about XX/XX/2021, I filed for free credit report from Equifax on the XXXX. Equifax rejected my online application and said I was required to file a written request by mail, using a form supplied on the website. I did so and mailed the request within a day or two. 
On XX/XX/2021, I received a letter from Equifax stating, " Our records indicate that a free copy of your credit file already has been sent to you within the past 12 months. '' This is in violation of the language on the website that states, " During the COVID-19 pandemic, accessing your credit is important. That's why Equifax, XXXX  and XXXX  are continuing to offer free weekly credit reports. '' The letter from Equifax continues by stating, " If you want to purchase your Equifax credit file and/or your credit score and have a major credit card, you may use our automated ordering system at XXXX. '' There is no phone number or other provision for communicating with Equifax for assistance. 
If I am experiencing this problem, I'm sure that other individuals must be having the same difficulty. I would ask for you to enforce the promise of free weekly credit reports from Equifax. Also note that XXXX and XXXX supplied free reports promptly and without any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Lennar Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/ I was preapproved by Lennar Mortage to close on my property. I was advised that I need to put down {$25000.00} to hold the property. 

In XX/XX/XXXX XXXX XXXX XXXX at Lennar Mortgage decided to review my file. They are ignoring income on my tax return with the purpose of reselling the home for additional money. They also informed me that I would qualify if I filed single instead of married wh qualifying for the loan because my spouse 's properties resulted in a loss. Lennar Mortgage should not be allowed to discriminate based on marital status when closing on a loan.

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 2023-09-05
Company: EQUIFAX, INC.
State: TX
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:
I appreciate you making the effort to remove some of the data on my credit report, but there are still items that need to be fixed/updated. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: W&A Intermediate Co., LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Wakefield & Associates sent a written notice of a medical debt owed. I responded by mail using a tear off from the original notice to request verification of the debt. They have record of receiving my request on XX/XX/2022. As of XXXX XXXX I have not received a response or verification of this debt. This debt collector did not respond within 30 days, however they are still attempting to collect on this debt. I received a notification via text on XXXX XXXX from XXXX stating " This is a notification from Wakefield * Assoc. a debt collector. Reach us at XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2023 there was a hard inquiry showing on my credit report stating that Capital One performed a hard inquiry. Therefore, I contacted Captial One and the credit bureau as well as XXXX to let them know that I had not applied for a Capital One card and was unaware that this had been done until I was reviewing my credit report on the XXXX website. 

On XX/XX/2023 there was also a hard inquiry showing on my XXXX credit report showing that a XXXX card was also applied for and a hard inquiry was performed on my credit. Therefore, I contacted XXXX, the credit bureau, and XXXX to let them know that I had not applied for a Chase card and was unaware that this had been done until I was reviewing my credit report on the XXXX website. 

The customer service representative for XXXX explained that I needed to do a inquiry dispute on their website, which I did perform. After disputing the hard inquiries, they were dropped off my credit report. 

As for Capital One and XXXX, both companies looked into the issue to see if there was an application on file ; however, both companies told me that they did not see any applications in my name. 

On XX/XX/2023, I saw that another hard inquiry had been placed on my credit report from XXXX XXXX. Therefore, I contacted XXXX XXXX and XXXX to let them know that I had not applied for anything at XXXX XXXX  and this was fraudulant activity. XXXX told me to fill out another inquiry dispute. Later, the inquiry was dropped off my report. 

Fortunately, I was able to catch the matter before any money could be charged on the cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
Company: Experian Information Solutions Inc.
State: NY
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:
*Account XXXX XXXX XXXX XXXX i submitted a complaint regarding this issue before XXXX was able to investigate and removed the information because it was incorrect/inaccurate unverifiable information reported to my report. Also the account is showing a balance in XXXX and XXXX which if it is a charge off or collection there shouldn't be a balance so I am not sure where they are verifying this information.. I am requesting that this inaccurate account and information be deleted off my report immediately. I disputed with XXXX they send me investigation results on another total different account. I disputed with Experian it came back verified which i contacted the creditor ( XXXX ) and they specifically said they have no record of my information in their system to contact the bureaus. I'm not sure how XXXX was able to rectify the issue but XXXX and Experian are not doing their investigation properly and sending this back with a total different account dispute information. When I call the bureau they are telling me they don't have a copy of my complaints when I know it was submitted.

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 2021-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent two debt verification letters to creditor, never recieved a 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 2022-06-15
Company: Experian Information Solutions Inc.
State: NV
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-10-16
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/XXXX, I signed up for a Chase business account in person with a bank representative, XXXX XXXX  This included a checking account, savings account, and chase Ink preferred credit card to help with purchases. I engaged in multiple conversations to affirm the requirements needed to qualify to the bonus and knew it to be XXXX XXXX  spend in the first 3 months as is listed on their website. 

There are multiple cards available which all offer sign on bonus, contingent on spend amounts. The Ink preferred seemed the best fit and within my reach of predicted spend so I decided on this. 

After completing the spend over the XXXX within 3 months ( XXXX XXXX XXXX XXXX I anticipated receiving my bonus points in the following statement period. I understood it usually takes an extra month to receive this so I didn't think anything of it that it hadn't appeared in XXXX, but became concerned in XXXX when I still had not received my XXXX bonus points from reaching my spend. 

I have since had 3 separate calls and meetings with XXXX to investigate including opening a case with Chase credit cards. They claimed to have sent a letter in the mail with a decision. I had not received a letter for 2 weeks and followed up with XXXX to better understand what the outcome would be. He refused to engage with me in any meaningful conversation to explain, rather deferred to calling Chase customer service and waiting on the phone with me during business hours for extended periods of time ( 30+ plus ). Once we got a hold of a customer service rep, she vaguely claimed denial with no further explanation referring to timing of the bonus spend not applying during the time I signed up. I asked for writing/further proof and explanation of this and was met with silence and we can't help you any more. I'm at a loss of explanation because I've always had such a good experience with Chase across the 6 years of business I have done with personal banking/credit cards. 
This was the first time where they didn't honor or provide exceptional customer service. I feel completely gaslit and have yet to be shown proof or fair explanation for what I was told originally when signing up for credit card and what I have not received so far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Subject : Request for Debt Validation - Urgent Action Required Hello, I have no record or knowledge of any dealings with your company. Accordingly, I am formally requesting a complete validation of this alleged debt, as granted by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Please provide the following within 30 days from the date of this letter : XXXX. Complete Validation : Kindly furnish original documentation including the original creditor 's details, the account number, the bill of sale, and relevant supporting documents. 

XXXX. Proof of Consent : Verify your legal right to collect by providing proof of consent to furnish this information and the original contract. I would also like evidence of how you guys obtained my address. 

If you are unable to validate the alleged debt with the requested documentation above, I demand you cease collections and communication with me. 
in accordance with 15 U.S. Code 1681s-2. ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Failure to comply may be considered a violation of FCRA laws, Negligent enablement of Identity fraud, and Defamation. Please consider this letter a formal notice that if my rights are not respected, I will have no choice but to pursue legal action to enforce them. 

I trust that this matter will be resolved promptly and appropriately.

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 2022-12-21
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello again I want to remove my private mortgage insurance since the value of my primary residence on the market is about 70 % ltv. I already did all the necessary step with my servicer but after more than 60 days they still making me pay for private mortgage insurance and no response at this time in any form. And every time I call them and after they already confirm that my property value is XXXX ( this mean that my loan to value is around 60 % or less ). Is still on my monthly payment. 

My account is current and with no lates fees or any late payments on the life of this mortgage. 

Please advise that I open a claim with this agency back in XX/XX/2022 complaint number of the past claim is the following XXXX Thanks Regards

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