BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My account No. with Bayview Loan Servicing is XXXX. I have been asking for Bayview to send me their short-sale package for three months, but typically, they've not responded. I have emailed and faxed their ceo, president, and head honchos all about this and have gotten nothing. Today, we were served with a Civil Action Summons from XXXX XXXX about our mortgage - WHAT? Since when did Bayview transfer our mortgage to them and they didn't even tell us. Now instead of complying with my simple request for their short sale package, we are in foreclosure. We spent two years of our lives a couple years back trying to get them to grant us a loan mod and they took us to court every month for mediation and finally gave us the mortgage mod. Now this. The way they have purposely ignored my plea for the short sale info is just awful - I told them the house is for sale and I just need those papers. Nothing. Now a summons. I also explained to them that I had a XXXX last year and my income is down to a monthly XXXX check. I hope they're investigated just as their predecessors were - XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.

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 2020-11-11
Company: Santander Consumer USA Holdings 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 status incorrect

Complaint:
I filed the following CFPB complaint with the three credit bureaus on XX/XX/XXXX : " I had an account with Santander ( Acct. XXXX ). In XXXX I had an accident and was out of work. I contacted Santander and an associate advised that I could have two deferments on the payments. I took those and the began paying again two months later.

When I pulled my report recently, I noticed a string of 30 day delinquencies starting in XXXX of XXXX and running through XXXX of that year. 
I contacted Santander and found that apparently the associate I spoke to had only applied ONE of the deferments that was granted to me. 
The payments I was making after that point were simply keeping the account from going 60 days past due. 

This is an error on the part of Santander ... NOT on my part. I have disputed this with your bureau and it remains on my file. 

Perhaps Santander correcting it on their system is not enough to update it on your system. Regardless is is hurting my score through no fault of my own. '' Continued : Santander then removed the delinquency from XX/XX/XXXX through XX/XX/XXXX and then PUT THE SAME DELINQUENCY from XX/XX/XXXX through XXXX of XXXX. This is a willful violation of my rights under the FCRA. 

I have provided a copy of my file as it appeared in XXXX of XXXX. It clearly shows the delinquency ( that was in error ) in XXXX. I have circled the delinquency. I have followed this with copies of my XXXX XXXX showing the delinquency in XXXX ( also from XXXX XXXX. NOTE IT SHOWS NO DELINQUENCY IN XXXX. 

I then provided a copy of my XXXX  file from this month showing the delinquency gone in XXXX but now added to XXXX where it never existed before. 

THIS IS HURTING MY CREDIT SCORE. This willful violation of federal law is punishable by punitive damages in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On the night of XXXX XXXX XXXX I attempted to open a brokerage account with Chase. The online process was halted stating I need a personal product to apply for a Chase brokerage account. At the moment, I only have a Chase business account. I applied for a Chase Personal Checking account with my credit reports frozen as usual. During the process it stated I need to unfreeze my reports. It stated I would need to provide my SSN for verification/identification. It stated that I would receive a SOFT pull on my credit report. Attached are XXXX screenshots showing this is as I stated. Instead, I received a hard inquiry to last XXXX years on my report. 

I called XXXX and they said " call Chase. '' I called the Chase number on the credit report, I was transferred to XXXX. 
The line was choppy so she gave me a direct number and I called again. 
Second agent ( lady ) asked how I obtained the direct number. She then transferred me to credit bureau rep.

The rep kept mentioning a credit card even though I said I don't have a Chase credit card and did not apply for one. He said, " Ok I'll transfer you to card services. '' I asked why when I don't have a card and he said, " That's where my system is telling me to transfer you. '' He transferred me to card services. Card services said they couldn't help because they only work with cards ( huge surprise ) so he transferred me to the credit bureau team again. By now I'm asking every rep who transfers to please make sure I'm going to the right place. 

Want to guess if I was in the right place? Well... I was then transferred to the regular Chase customer service by the credit bureau rep who promptly stated he couldn't help me. I explained the horror I've type thus far and like the XXXX previous reps he stated " no worries, I'll call a branch and speak to the manager directly to make sure you are in the right place and can be helped. I'll explain your situation then pass you off. 
He didn't. 

He blindly transferred me to the XXXX XXXX branch location where XXXX? was clueless as to why I was on the line. By then, I was as exhausted as you are reading this mess. 

XXXX said he would escalate ... maybe they'll get back in a few days, may next week, who knows. 

That leaves me here with the CFPB.I honestly feel like I missed another transfer. It was 30 plus minutes of torture.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: GA
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 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an 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 or 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 ( A ) ( 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 2023-04-19
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2023 I requested that XXXX, Experian and XXXX validate that a bankruptcy that was reporting on my credit report was indeed mine. However, Experian was the only one that replied verified although they did not investigate. XXXX and XXXX actually ignored my request. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. They violated my rights by not investigating and ignoring my request. The courts do not validate and there's nothing on my XXXX XXXX reporting that shows any sign of a bankruptcy.

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 2023-04-09
Company: Chime Financial Inc
State: FL
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:
My account was hacked on XXXX XXXX XXXX. My bank details were changed, and money was transferred out of {$4000.00}, as well as a temporary card requested in order to make 7 purchases for {$6000.00}. All unauthorized. I contacted Chime asap to request all my details be put back to mine so I can go back into my hacked account that had been wiped out. I changed my password, and put a stop to the temporary card that was used for fraud and in which the transactios were still pending. My debit and credit card were canceled, and new ones were sent out. I was only refunded part of my dispute and am seeking the rest of my unauthorized charges back which is {$6000.00}. 
I sent all proof Chime needed in order for me to be protected and obtain all my funds back as promised in Chimes website under disputing fraudulent activity, with no resolution still. 
I filed a report with the consumer financial protection bureau, Federal Bureau of Investigation, police station, Florida dept. Of law enforcement, XXXX, and FTC. I notified the credit Bureaus as well and identity theft. XXXX. 
I appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted XXXX about the debt, they stated they thought someone else had taken out another phone in my husbands name couldnt find anything with his social security number ... two weeks later they removed this account from his credit report and closed it and said resolved which brought his credit up now this happened in XXXX I have the documentation, then they sold the account to Jefferson capital systems which now they keep hitting his credit report I called them and they said they had this account since XXXX which makes no sense if they closed it threw XXXX and put resolved Jefferson capital system said they are going to dispute it but we will still probably have to pay which I think is unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reached out to Transunion on XXXX occasions about removing a False late payment from XX/XX/2021 XXXX. Transunion said they removed the late payment but its still listed 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 non-monetary relief
Consumer complaint received 2023-04-10
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2022 Trascation 1 amount {$66.00} money transfer from my Chime account to another person 's Chime account during XXXX XXXX. 

Transaction 2 amount {$10.00} money sent from my Chime account to cash app to one of people who was participating in the XXXX XXXX. 

Transaction 3 amount {$100.00} money sent from my Chime account to same person who received {$10.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Delete all errors on credit report and my scores

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 2020-11-11
Company: AMERICAN HONDA FINANCE CORP
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions 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:
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online Soft Inquiries XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$2300.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$2300.00} Date OpenedXX/XX/XXXX Details under dispute icon Currently Under Dispute XX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$650.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$650.00} Date OpenedXX/XX/XXXX Details under dispute icon Currently Under Dispute CONSUMER ADJUSTMENT CO XXXX potentially negative icon Potentially Negative StatusCollection account. {$270.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$270.00} Date OpenedXX/XX/XXXX Details under dispute icon Currently Under Dispute Account Name XXXX XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$110.00} written off. {$110.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$110.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Credit Limit {$300.00} Highest Balance {$410.00} Terms NA On Record UntilXXXX 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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 2020-11-11
Company: TRANSUNION INTERMEDIATE 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: Personal information incorrect

Complaint:
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 Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX FAIR WAY XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX ROUND XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY PO BOX XXXX XXXX VIEW, TX XXXX POST OFFICE BOX XXXX FM XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX all not mine

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 2018-10-11
Company: Motolease, LLC
State: AL
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:
I had a motorcycle lease with Motolease , LLC. I closed the account at the beginning of XXXX. XXXX is still reporting that my account is delinquent. They have reported a delinquent status for the month of XXXX and XXXX. I have spoken with 3 different people who have admitted that there was an error on their part and that it would be fixed on their end. To this point, it has not been fixed. This error has been hurting my credit tremendously and I am not getting any positive feedback from XXXX. I have asked for correspondence to be emailed to me so I could send it to the credit bureaus and they have failed to do so numerous times. I spoke with a supervisor who ensured me that they would send me documentation and each time they have failed to do so. When I did speak with someone, they told me to " just dispute my credit report ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX  # 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 an 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 ( A ) ( 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 non-monetary relief