BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-25
Company: AES/PHEAA
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:
Reviewing my credit report after being denied for credit I discovered FedLoan Servicing reported me 180 days late in non-repayment of my student loan. The late period was from XXXX, XXXX and XXXX of XXXX. FedLoan Servicing was contacted on or about XX/XX/XXXX. They researched my account and found that I was in forbearance during that time and no payment was required. The account was updated in XX/XX/XXXX clearing all nonpayment and balancing the account. However, all did not balance with me. Because FedLoan Servicing was not current on their paperwork processing my forbearance they reported my account 180 days delinquent. 

Speaking to a FedLoan Servicing representative on or about XX/XX/XXXX I was told that they could not retract the negative reporting sent to the credit bureaus but they would write a letter stating that they reported my account late prematurely and that I was in forbearance during that time. The letter produced by FedLoan Servicing did not state what was discussed. It simply stated that my account is current. 

FedLoan Servicing was contacted again on XX/XX/XXXX. I explained that the letter I requested giving explanation on why FedLoan Servicing was incorrect in reporting my account delinquent was in error was not received. Although the FedLoan Servicing representative I spoke to explained in detail that the account was in forbearance, it was not 180 days late, the files were updated in XX/XX/XXXX, the credit bureaus were sent a delinquent report prematurely and I was told that all discussed was true they would not state it in a letter as I was promised. 

I pride myself in paying my bills on time. One of the core values instilled in me through my parents at a very young age is that if you make a bill pay it back on time. It was shocking to find out I had a negative report on my credit. The reckless, inaccurate and untimely processing of paperwork by FedLoan Servicing has caused great financial difficulties for me. They have made it impossible to get a credit card, rent an apartment and limit possible employment positions of trust. 

Repayment of student loans can make or break your future financial opportunities I am already experiencing. When you have a negative credit report and poor repayment history it can cost you thousands more dollars in everything from interest on credit card to auto insurance. FedLoan Servicing must do due diligence when reporting adverse credit information. There is no perfect system, however when you admit you made a mistake on your paperwork and send that negative report to the credit bureaus and you find out you made a mistake dont make the borrower the victim. FedLoan Servicing should do whatever it could to correct the problem. FedLoan Servicing failed to do so in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Experian Information Solutions 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:
Company violated covid 19agreement set fourth on XX/XX/2020 advised provide call log and they would rectify since completed 7 times no correction

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 2023-06-05
Company: Experian Information Solutions Inc.
State: MD
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:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2021-06-20
Company: National Business Factors
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent accounts and are. I have never had any goods or services with NATIONAL BUSINESS FACT ACCT XXXX AND NATIONAL BUSINESS FACT ACCT XXXX or their affiliates XXXX XXXX XXXX XXXX they are knowingly and willingly reporting this fraudulent accounts and verifying them. They have caused me great damage and embarrassment also with emotional distress. I have also never received any Correspondence after sending the agency numerous disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: PA
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:
We had to file a bankruptcy in XXXX of 2021 and I had kept my vehicle I still made my payments on time every month still up to this day and because I did not sign a another form they had sent me they dont report that I make my payments though they report that I do not make my payments to the credit report making my rating a negative result when I pay them every month now I feel that I am paying them every month they should not be able to report negative reports on me if anything dont do nothing I am paying on time every month it is not fair and it is not right for them to do this you will find a copy of my check for XX/XX/2021 I sent them for my payment that they have on the credit report as a negative payment so you will see the false information they are giving to hurt people

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My wife and I were victims of wire fraud on XX/XX/XXXX in the amount of {$19000.00} from our Chase account and {$12000.00} from our XXXX XXXX XXXX account. We contacted the FBI ( filed an IC3 report ), the beneficiary bank XXXX, Chase, and XXXX XXXX XXXX 3 hours after the wire cleared. The recall was initiated as of XX/XX/XXXX by Chase and they received the following message : " Please be advised your request is denied at this time. Please contact our Fraud Assistance Center at XXXX. For questions on your payment if you wish to send a hold harmless pls email XXXX. '' On XX/XX/XXXX I spoke to a Special Agent with the XXXX XXXX XXXX XXXX XXXX who confirmed with their XXXX contact that the account was frozen and our funds were still in the account. We filed a police report with LAPD on XX/XX/XXXX. We called Chase multiple times and were told that we have to send a secure message for these claims and can not speak to an individual. On XX/XX/XXXX my wife went to the local XXXX Chase branch and spoke to a banker. He filled out a recall request form for us as well. After following up with him multiple times, he claimed he wasn't getting any updates on his end as well. Our first secure message was sent XX/XX/XXXX and they replied XX/XX/XXXX asking us to provide the details and the FBI and/or police report. We sent the LAPD police report and FBI IC3 copy to them immediately. On XX/XX/XXXX I talked to XXXX XXXX XXXX department to see if I could get any information and they claimed that there is no record that Chase reached out to them, but there was a record oXXXX XXXX XXXX XXXX reaching out. On XX/XX/XXXX, Chase responded via secure message with " DEAR CUSTOMER.THANK YOU FOR THE INFORMATION PROVIDED. WE HAVE SUBMITTED YOUR REQUEST TO THE APPROPRIATE TEAM FOR REVIEW AND WILL REVERT UPON RECEIPT OF THEIR RESPONSE WITH APPROVAL/DENIAL.THANK YOU. '' I followed up on XX/XX/XXXX and they responded XX/XX/XXXX " Unfortunately we do not have an update at this time, but we have forwarded this inquiry for an update. They will reach out to you provide a status update. The process for a hold harmless letter request may take 45-90 days and may require additional review. '' As of today XX/XX/XXXX, there is no update. Our wire fraud affected 2 of our bank accounts, this one with Chase and the other with XXXX  XXXX XXXX. We just heard from XXXX XXXX XXXX that our funds have been returned. However, there is no update at all from Chase. They have not even taken the steps to send a hold harmless letter to the beneficiary bank XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Lakeview loan servicing had not paid my property tax bill. Which they are responsible for doing. It is past due. And it is holding up my refinance. I have attempted to contact them many times. I've spent hours just getting transferred around in the phone tree without taking to anyone. When I finally some to someone, they or me on hold for a long time and still had no clue how to handle this when they came back. They have left me with no options

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 2023-10-31
Company: ENOVA INTERNATIONAL, INC.
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I obtained a loan with cashnetusa. XX/XX/XXXX. XXXX was delinquent. Loan PAID IN FULL XX/XX/XXXX. XXXX has refused to remove item from credit report. Claims debt was sold to XXXX party. Listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX contacted : XXXX XXXX XXXX. Claims no knowledge of debt. 

XXXX has filed collection on crefit reports with XXXX and XXXX. After several complaint filed with both agencies, XXXX claims they are original holder of debt. XXXX and XXXX refuse to remove item from credit. Recently reported as XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-04-06
Company: Credit Karma, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Credit Karma Investigation Team, I would like to inform you about receiving our share of our tax refund in which my daughter and I have been used and claimed as dependents and sent to a Credit Karma account who belongs to XXXX XXXX using XXXX! This person has already fraud charges and has used us to get a larger refund amount! Keep advised it is being investigated by IRS.I have had an account with Credit Karma for over 2 years, with that XXXX should have our income tax information for previous years, this person who has entered our information, manually by taking our numbers down, used them, and in finding out, to avoid issues or myself reporting him, he allowed me full access to the account, handed me the debit card, then deactivated it without letting me know and ordered another to be delivered to his mother 's address, come to find out he emailed XXXX stating I had access and he didn't want me to have the access.Further action in filing charges is being taken. 

XXXX XXXX XXXX On Wed, XXXX XXXX XXXX XXXX XXXX Credit Karma XXXX wrote :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 accordance with the Fair Credit Reporting Act TransUnion 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 : also states a consumer reporting agency can not furnish an 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 2023-02-23
Company: Affirm Holdings, Inc
State: TX
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 now have 2 separate loans from the company Affirm reporting on my XXXX credit report that I did not open. My identity has been stolen, and I am seeking to recover my credit worthiness. Both loans where never reported to my credit report until XX/XX/XXXX, and only display 30 and 60 day late payments. No other payment history is refected and the loans appear to have been open in the year XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, 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:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CORELOGIC 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:
CREDCO Inquired on XX/XX/XXXX, XXXX XXXX, XXXX add a hard inquiries on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof  that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Capital one bank had promotion for opening a new saving account during XXXX. They advertised that getting a new account bonus {$500.00} for depositing {$50000.00} or more of external funds within 15 days of account opening and maintain {$50000.00} or more in your account for at least 90 days. I opened that account on XX/XX/XXXX and transferred fund XXXX from my external XXXX  account on XX/XX/XXXX. I kept fund ( which above XXXX ) till XX/XX/XXXX ( which is over 90 days ). However, I only received XXXX XXXX  bonus on XX/XX/XXXX ( which is the lower tier of the promotion ). Then I called customer service on XX/XX/XXXX. The customer service told me that the reason why I could not get the {$500.00} bonus is that in Capital one term the 90 days starts after the 15 days opening period is over. For example, I opened the account on XX/XX/XXXX, the 90 days period started on XX/XX/XXXX. This does not make sense to me because there are only two requirement on its promotion : 1 ) putting fund into the new account in 15 days after the account is opened. ( I met ) 2 ) keeping the balance at least 90 days ( I met ). The promotion never mentioned that starting date of 90 days period starts the XXXX day after the account opening date. Even though the customer service apologized to me and agreed that this does not make sense, she could not do anything due to capital one system setup. I think this is false advertisement which mislead customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-09
Company: Shellpoint Partners, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance mortgage from NEW REZ, my current lender, on or before XX/XX/2021. The loan officer was XXXX XXXX. The loan rate was locked on XX/XX/XXXX. 
On XX/XX/2021 XXXX XXXX informed me by email that my loan ( Loan # : XXXX ) was conditionally approved and that a Loan Processor would be in touch with me. 
On XX/XX/XXXX Ms. XXXX XXXX contacted me to inquire about the nature of my marriage ( community property or not ) I responded, and have heard nothing since. 
I contacted my loan officer ( XXXX ) who indicated that he is not handling my loan but had to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Experian Information Solutions Inc.
State: NY
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:
I sent out a request form to XXXX XXXX XXXX via postal service and I also certified mail to ensure they received my request. Only XXXX  responded within the 15 days.

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 2019-05-24
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: Information belongs to someone else

Complaint:
I uncovered several addresses that I have never used or lived at after looking over my personal credit file. I also discovered multiple accounts ( listed ), several variations of my name I have never used and dozens of inquiries for accounts I never attempted to get. Personally, I recall receiving information stating that my personal profile was exposed during a computer hack involving XXXX in 2014. It is to my belief that this is where my information was discovered by someone who used it wit out my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
I am asking all three credit bureaus to send to me a free copy of my credit report that I was not successful obtaining by phone, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Back in XXXX XXXX day I woke up and saw my credit score go down by more than 200+ points. I got worried and pulled my credit report and saw a delinquent account on my report for chase bank credit card. I called chase and was told that I missed a payment of just {$80.00} therefore they put delinquency on my account. Chase bank never sent an official letter in mail or called me to inform me about the missed payment before marking it delinquent. 

I called chase they confirmed that they never sent an official letter or called me. Chase bank said they sent me emails which I never received. 

Nonetheless, delinquency on an account and being penalized for 7 years for just {$80.00} ( even though I earn a lot and have a good stable job ) is completely un fair to me. I can not buy a house in future, i can not apply for a govt job, my life is ruined. 

Though the credit card is fully paid, chase bank is reluctant to take that off my credit report. This is unfair to me. My life is ruined for {$80.00} missed payment which I was never informed off. Every bank/credit card sends reminders emails or whatever. 

Please help. My life and career is ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
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: Account information incorrect

Complaint:
I missed a payment, it was over looked on my part. I have attached a goodwill letter and my bankstatement showing funds were avaivale to make the payment just due traveling for work I over loooked it.

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