BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX 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 Balance : {$190.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Westlake Services, LLC
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I made a payment to settle my account on XX/XX/XXXX! I was told after 10 business days my credit will be updated. I was also generated a letter stating my account has been settled but yet Westlake still reporting on my credit report!! PLEASE FIX THIS. Its causing so many problems. Really a defamation of my character! Fix it! And compensate for the rejection of my home for me and my kids due to this nonsense!

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 2023-03-31
Company: ADP Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have a couple pay cards they are wisley with same company i have been asking for i itemized statement of my cards activity s. Since XX/XX/XXXX i have called several times and have not received them. Its important that i receive them i have called more than 20 times. my cards are from people ready. XXXX and dep com XXXX. ( My transaction statements ) Need this info asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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: Information belongs to someone else

Complaint:
Recently on the XXXX of XXXX the account XXXX was removed from my credit file and then reopened without me even applying, that is illegal according to the FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Citibank bank gave me a forebearnace for XXXX, but they did not help me for XXXX. I do not have income and need a forebearance for 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 2019-07-04
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After my husband lost his job and being forced to sell a property we owned via short-sale, we paid XXXX XXXX XXXX ( now XXXX ) to help us secure a loan modification with Mr. Cooper because we were having trouble making payments on our primary residence. On XX/XX/XXXX, we received a letter from Mr. Cooper approving us for a trial plan under the Flex Modification Program. We followed the directions and called to accept the offer. We made all three of our trial payments in full and on time which, as the letter indicated, were actually greater than our original payments because they were required to include escrow for property taxes. This letter promised us that if we made all of the trial payments on time and we submitted all the required documents, which we did, that our mortgage would be permanently modified. We followed the directions and did not hear from them for many months. They claimed they mailed us a couple of letters which we never received. It said that our flex plan was approved. Near the end of XXXX, we became aware of an error on the part of Mr. Cooper. Apparently, they processed our trial payments incorrectly, not taking into account that we had added funds to cover the escrow. This error resulted in our account not being in arrears. That made them think that we did not require assistance or a mortgage modification. We called them immediately to get it cleared up when we discovered what had happened. The representative I spoke with on XX/XX/XXXX erroneously informed me that they had sent out the package to formalize the new modification and that we had failed to sign it and return it and that that was why the modification had been retracted after it was promised. I protested but he was adamant. Their letter dated XX/XX/XXXX admits that this representative was wrong and that we paid our trial amounts. They provided no valid reason for canceling our modification. Their letter from XX/XX/XXXX admits that an error occurred somewhere in their processing of our account ( since we have proof that our modification was approved and that we made the payments ). Wanting desperately to get our modification back, we followed their instructions and spent several more months filling out a duplicate application for them to review and re-submitting bank statements and forms. Since our financial situation was not better, we thought for sure that they would correct their error and re-approve the loan modification. Instead, we were horrified to learn that they denied it and that they were reporting us to the credit bureaus for paying the trial amounts they told us to pay ( which caused our credit score to plummet from over 700 to under 600 ) and, to add insult to injury, they have fined us {$500.00} in late fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: DISCOVER BANK
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I am a victim of identity theft Due to my mother opening an account with Discover Bank. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account and I shouldn't have to pay for something i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a PAY PAL line Credit with Synchrony bank ; XXXX XXXX XXXX XXXX XXXX XXXX. Which has been communicated and documented to said bank. Once the balance was paid down in XX/XX/2023 [ XXXX ]. They then closed my account without any notice. I called to ask why in XX/XX/2023, and was rudely spoken to its due to late payments and it can not be reopened As a result of a follow-up call the bank initiated a dispute which appears to have resulted in a credit balance of XXXX. Which appears to be the removal of late fees. That said to date I have heard nothing further and my account is still closed. They also reported the bank as late to two credit bureaus which hurt my score, then the bank reported it to the credit bureaus as an improved account. Yet theres no indication on my credit report that account has been closed by creditor.

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 2023-10-02
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have received two emails in the last 2 days from JP morgan chase bank that read, " thanks for applying for a chase credit card! ". I did not do this. I noticed hard inquiries on my XXXX and XXXX report and immediately called them for a freeze on my accounts. I am visiting chase bank today to retrieve any information possible. I did not apply for a card with Chase, I did not consent to my information being available for someone else to be doing so on my behalf or impersonating myself. I would like Chase to remove these inquiries from my reports, as well as investigate and punish anyone who would make a living off of other folks hard work. 

Please advise, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 submitted a complaint last XX/XX/XXXX  for the removal of the unauthorized and fraudulent inquiries but they are still reporting on my credit report. I submitted a complaint again dated XX/XX/XXXX  but it was immediately. This is why I'm reaching out again regarding these fraudulent inquiries and for assistance to remove them from my credit report immediately. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.

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 2023-06-06
Company: EQUIFAX, INC.
State: MD
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:
There are accounts that are included on my report that don't belong to me. 
XXXXXXXX XXXX : {$460.00} XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX : {$1500.00} XXXX : {$730.00} XXXX {$1200.00} XXXX Dispute incorrect amount {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Experian Information Solutions Inc.
State: TX
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:
In XX/XX/2018 the vehicle in question was totaled. The other drivers insurance took the blame because the vehicle was rear ended. The loan was given with GAP, and the other drivers insurance paid XXXX towards the loan with GAP supposed to pay the rest. GAP didn't pay the rest because the loan company ( XXXX XXXX XXXX ) reported the wrong amount that was due for some reason. They subtracted two months of payments instead of going on the amount from the date of the accident. So GAP didn't pay the whole amount, and they put it towards us to pay ( which we shouldnt have had to because we paid for the GAP insurance ). They kept the account open for 2 years allowing the payments to accrue interest before charging it off instead of trying to make more money by making us pay instead of letting GAP take care of the 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 2021-05-18
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Foreclosure was communicated XXXX of XXXX due to loss of income from Covid. Modification was accepted by Shellpoint Mortgage Servicing in XXXX of XXXX. Payments of {$1400.00}, {$670.00}, and {$2100.00} in XXXX and XXXX had been sent, but rejected and sent back. I was then told that payments would not be accepted due to foreclosure, but I would be accepted for forbearance. Shortly after, I received calls saying that I do not qualify for forbearance and they need the total amount reinstated. I contacted a HUD housing councilor through XXXX XXXX on XX/XX/XXXX. The Councilor called and was able to set up a payment plan that would repay the owed amount within 12 months. I was told that I would just need to wait on the paperwork. I then received a phone call saying that I was not eligible for the payment plan due to the type of loan it is. I called back with the HUD housing councilor on XX/XX/XXXX. I was told that the only option is full reinstatement even though there is a foreclosure moratorium through XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: MD
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:
XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Mandarich Law Group, LLP
State: CA
Product: Credit reporting 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:
Upon the agreement of XX/XX/XXXX the company Mandarich Law Group in connection with XXXX XXXX agreed to remove the negative information on the credit report as it was inaccurate. When I contacted their office on XX/XX/XXXX to advise that when I reviewed my credit report that they had placed the item back on my credit as a new debt, I was told I needed to contact XXXX XXXX directly. However Mandarich Law Group is the Company to which I was working with directly. Mandarich Law Group has stated that they no longer has the ability to assist me as the matter was settled and that I would need to contact XXXX XXXX however there is no record of XXXX XXXX. When I spoke with Mandarich Law Group there claim is that they no longer have a relationship with XXXX XXXX and are unable to assist me. However because this is reporting on my report as a new debt it leads me to believe that there is fraud. Mandarich Law Group has failed to do as agreed and I have been informed that they do not have a valid number for the company XXXX XXXX to remove the item from my credit report as I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Freedom only responded to one request of the the 3 I required them to send... also I asked them to remove escrow which they said they would do thru a letter they sent me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: The Law Offices of Mitchell D. Bluhm & Associates
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:
Beginning of XX/XX/2019, I got an alert from my bank and XXXX XXXX XXXX via XXXX XXXX  that there was a change in my credit score. I looked it up and my credit dropped XXXX points. It stated that the XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX began a new line of credit or account to my credit report. After inquiring about the collections report we found out it was from XXXX XXXX in XXXX XXXX XXXX, FL. After calling them, we then found out that they had been sending my bill to the incorrect address. An incorrect address that I had never lived at. We then sent them a copy of my drivers license ( for correct address proof even though they were the ones who entered the address incorrectly ) and set up a payment plan. They never spoke with us before putting us into collections and we never received the bills. It is still on my credit report even though my husband I have repeatedly tried to contact XXXX and XXXX XXXX XXXX XXXX XXXX telling them it was not our mistake. I was even spoken to like a criminal by the XXXX XXXX XXXX XXXX. thank you so much for any help you can provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/2023, I got an email from Chase, saying that I owed {$35.00}, due XX/XX/2023. I didnt recognize the debt; found it suspicious. I tried to follow the links to find out if I owed and to pay for it, if legitimate. I tried to pay it, because the amount was so small. I knew it was Chase, but I had paid off the cardI had with them, and had not used it since. The links didnt work. So I waited to learn more. 

Next thing I know ( on XX/XX/2023 ) there was a late payment registered with XXXX, and its by Chase ( XXXX ). It lowered my credit score by 105 points! I called Chase and paid the {$35.00}. The agent could not say what the charge was for. I paid the balance due, asked them to close the account. I thought it was closed. I asked them to consider reversing that report of late payment. They told me to call XXXX. XXXX said there was nothing they could do, but I could file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: MECHANICS BANK
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered into a consumer credit transaction with Mechanics Bank XXXX XXXX on XX/XX/202. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Mechanics Bank XXXX XXXX took cash. Mechanic Bank XXXX XXXX did not disclose my Right to Rescission in the contract which they should have pursuant to 15 USC 1635.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: CA
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 convergent account # 1 XXXX XXXX XXXX  XX/XX/2022. # 2 XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 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 WITH OUT MY WRITTEN INSTRUCIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 was able to get my credit report in the past from all 3 bureaus as recently as XX/XX/XXXX from XXXX  and XXXX XX/XX/XXXX credit Report conf # XXXX XXXX. But now I can not get it from TransUnion or XXXX. TransUnion states, The system was unable to get enough information to confirms your identity through a series of questions based on accounts and personal information even though in the past I have gotten my credit report through all 3 bureaus from a series of questions asked in the past but suddenly I have not built up a credit history enough to ask me a series of questions to get my report online. XXXX. These organization take my credit data and sells it everywhere but when I want to see it myself they put up all these roadblocks and excuses. 
What is going to happen is unacceptable. You the CFPB is going to send TransUnion and XXXX my complain and in return they may or may not  send me my report, but either way this is unacceptable because I want to have to save my report online when I want it and not have to complain to you the CFPB as my intermediary to force the credit bureaus to give me my report. Secondly, all 3 bureaus will send me the report and I will not be able to monitor my credit every 4 months as I only need one report at a  time. 
I also would like to sign up with TransUnion True Identity credit monitoring and with this problem persisting I am not able to do it. 
Tell these bureaus to get their act together and stop yanking the consumers chains. Thank you.

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