BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The person that chase assigned to resolve my issue doesnt understand math and its impossible to fix the issue without knowing basic math, the forbearance amount placed at the end of the loan should be 12 payments and chase mistakenly only put 8 also started foreclosure when repeatedly told me they wouldnt and that created an extra cost. I need those fees removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my sixth endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, 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:
These companies had no authorization from me to furnish these inquires and In accordance with the Fair Credit Reporting act XXXX the following companies has violated my rights. 
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 15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

EVERTHING HAS TO BE REPORTED 100 % ACCURATE, AND ITS NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On approximately in XXXX the company I worked for went out of business, I was able to find employment with another company afterwards, but at lower salary. 

My wife was unable to work because of unexplained XXXX, ultimately leading to XXXX XXXX on XX/XX/XXXX causing further struggle 's. She is still unable to work as she is still suffering from XXXX. 

I made numerous attempts with the mortgage company after after falling behind on the payments by sending partials payments, attempted serval loan modifications. I sought the assistance of numerous intermediaries, without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An account was opened in my name and I didnt give any one permission to do so I was informed by the irs that my funds have been being sent to an account that I didnt open I just want what belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this letter to formally dispute the collection account listed on my credit report, which has been attributed to your company, XXXX XXXX XXXX XXXX. The account in question pertains to an alleged debt from XXXX XXXX with the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with an original amount owed of {$400.00}. The details of the account are as follows : Original Creditor Name : XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$400.00} Amount : {$400.00} Status Date : XX/XX/XXXX Status : UNPAID Balance Date : XX/XX/XXXX Account Designator Code : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification : XXXX Date of First Delinquency : XXXX XXXX, XXXX I would like to assert that I have no knowledge of this debt and have never had any dealings or contractual agreements with XXXX XXXX that would result in the debt you claim to be owed. Furthermore, I believe that this collection account has been reported in violation of several laws and regulations, and I am prepared to take the necessary legal actions to rectify this situation. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), it is my right to request validation of the alleged debt and to ensure the accuracy of the information being reported on my credit report. I demand that you provide me with the following information within 30 days of receiving this letter : Written proof of the debt 's validity, including a complete accounting of the alleged debt and all supporting documentation. 
Verification that your company is licensed to collect debts in my state.

Verification of your legal authority to collect the debt on behalf of XXXX XXXX. 
A statement confirming that this alleged debt will be removed from my credit report and that no further negative information will be reported if you can not provide sufficient validation within the allotted time. 
Failure to comply with this request will leave me with no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General office. I will also seek legal counsel to pursue any appropriate legal action against XXXX XXXX XXXX XXXX for violating my rights as a 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 2021-12-23
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: Account status incorrect

Complaint:
Was informed in XXXX that my account was listed as past due and delinquent by all three credit agencies such as Experian, XXXX and XXXX. I Started disputes with all three companies and a month later my payment balance was updated to 0 but still showed as a negative impact on my credit report and showed delinquent/charge off status. I then submitted proof of car being paid off in XXXX to all three credit agencies and there has still been no update to report. Under research, I found out an account could only be listed as delinquent if it is more than 120 days past due. This account has never been past due and proof was provided of the payments being distributed to the account to show great payment history and no months of payment being missed. I have been reaching out to XXXX directly for months to not be able to get a department that could directly assist me or even provide any relief. This has caused my credit score to drop tremendously and show a negative impact. I have worked extremely hard to make sure my credit has stayed in good conditions.

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: Bread Financial Holdings, Inc.
State: RI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXXXXXX XXXX owes me {$98.00} in a refund from when my account with them was paid off XXXX XXXX XXXX {$98.00} was due to me and sent to me but the check was returned. Twice. I have called. XXXX has called since late XXXX. It is now mid XXXX. I submitted a written dispute and in XXXX days they concluded the check was cashed. Every time I try i get a new person who begins with no knowledge of my problem and they only look at a screen which tells yh the incorrect information that the check was cashed. I have addressed additional letters with proof that the check was returned twice to Head of Dispute Dept. They do not have a phone line that i am able to use. Hrlp m e get my {$98.00}. I am XXXX on low. Income and have no money. They have billions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company : Victoria 's Secret / Comenity Bank Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Original Balance : XXXX Balance Reported : {$430.00} Account ending in XXXX was reported as late on XX/XX/XXXX. During the beginning of COVID19, I called the bank to let them know that " I will be behind on my payments due to the critical situation that my company was going through. The operator told me that i shouldn't worry about late fees/ late payments because the account will be " paused ''. I asked to receive confirmation via email, i never received it but i was re-assured over the phone that i would only have to pay for the original balance. 
From & XXXX it went to {$430.00}, it has been doubled up ONLY in late fees. This type of abusiveness has to stop, the city of NY was locked down and many people lost their jobs and family members during COVID19. I as an essential worker, was struggling to make it home, did not apply for unemployment, however my salary did not increase at all. 
I lost my father, grandparents and the funeral expenses are not cheap. I was harrassed by the debt collectors over the phone, never had a payment plan option to cancel the original debt. The bank sold the debt to " BUREAUS INVESTMENTS GROUPS PORTFOLIO NO XXXX LLC '' this company has violated my consumer rights by opening the debt, and reporting late payments to the credit bureaus when the debt has been charged-off /closed. This debt is XXXX years old and based on the new debt collection rules, it's time-barred. 
The Fair Debt Collection Practices Act prohibits to be threaten by debt collectors, also debt collectors need to provide all the relevant information to validate any debt/ over the phone the collection company did not provide the company 's name nor the account number nor mentioned about my rights to dispute this debt. The debt collectors did not provide transparent information/communication while trying to collect their debt. 
I have been victim of improper debt collection. Under the new shorter statute of limitatios creditors can not proceed with a debt that is time-barred, it's violating the three-year period implemented in the new Credit Fairness Act signed in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit XXXXXXXX XXXX XXXX XXXX  XX/XX/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

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 2021-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1900.00}, {$6000.00}, {$2900.00}, {$3500.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$640.00}, {$800.00}, {$1600.00}, {$4000.00}, {$6300.00}, {$2600.00}, {$3300.00}, {$1700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$6000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 
-- AUTO LOAN OR LEASE 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOANS 8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$640.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

15. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

17. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account.

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 2022-09-06
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:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected or deleted : XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$980.00} U S DEPT OF ED/XXXX XXXX Balance XXXX {$3200.00} XXXX XXXX XXXX OF XXXX XXXX XXXX : {$9900.00} U S DEPT OF EDXXXX XXXXBalance : {$6500.00} U S DEPT OF EDXXXX XXXXBalance XXXX {$1400.00} U S DEPT OF ED/XXXX XXXXBalance : {$5400.00} U S DEPT OF ED/XXXX/XXXX  XXXXBalance : {$6500.00} U S DEPT OF ED/XXXX XXXXBalance : {$4700.00} U S DEPT OF ED/XXXX XXXXXXXXBalance : {$7100.00} U S DEPT OF ED/XXXX/XXXX  XXXX*Balance : {$4000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance XXXX {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00}

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 2021-11-18
Company: Western-Shamrock Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
VIA XXXX XXXX XXXX 1. After monitoring my credit, the name of XXXX XXXX  with attached Account # XXXX appeared on my credit profile. 
2. On XX/XX/XXXX, through XXXX XXXX XXXX ( Exhibit 1 ) requesting the inaccuracies of reporting and requested documentation for validation. 
3. No validation of requested information for XX/XX/XXXX 4. Another request submitted through XXXX XXXX XXXX XX/XX/XXXX ( Exhibit 1 ) requesting documentation of data reported on my credit report. 
5. No validation/verification of requested information for XX/XX/XXXX. 
6. Mail certified Letter on XX/XX/XXXX ( Exhibit 2 ) requesting validation according to my rights as a consumer 7. On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) verified deliverable with signature ( Exhibit 3 ) 8. On XX/XX/XXXX, mail letter regular mail requesting validation of signature ( Exhibit 4 ) 9. Received no other response or documents verifying. 
10. On XX/XX/XXXX after dispute with XXXX XXXX XXXX  responded with ( Exhibit 5 ) XXXX XXXX has responded stating receiving letter concerning ACCT XXXX ; then states not enough information to locate record 11. Reporting on my credit profile starting XX/XX/XXXX through present to date as of XX/XX/XXXX ( Exhibit 6XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Do not feel comfortable giving my Social Security Number. 
12. This is unacceptable to be treat as such and unfairly as a consumer and my rights to request verification with original contract. I have been communicating with above XXXX XXXX  for well over XXXX ( XXXX ) years. It has been well past the timeframe of and the XXXX, XXXX, XXXX  days allotted to submit requested information has expired and this account must be remove/deleted from my credit profile along with discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/21 I lost my prepaid debit card. I last used my card the day before XX/XX/21 at XXXX XXXX  XXXX  XXXX. When I realized I lost my card on XX/XX/21 that evening when I arrived home, I immediately called for a replacement card. I was then informed by customer service that several transactions had taken place while my card was lost. The list is : XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX  {$730.00} XXXX XXXX XXXX {$280.00} XXXX {$26.00} XXXX {$75.00} I was told I must wait until the transactions posted to my account before filing a dispute. I filed on XX/XX/21. Approximately 2 weeks later my dispute was denied. I have since then made several calls and written several letters to appeal their decision. I also asked for the documentation they used to determine their decision. Ive gotten no answers nor help in resolving this issue. I did not authorize any of the transactions listed above, I need my money to be refunded to my account.Will you please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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:
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 : //www.ftc.gov 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, NC XXXX, XXXXXXXX XXXX  CT XXXX XXXX, NC XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : MEDICAL ) XXXX Balance : {$530.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00}, XXXX ( Original Creditor : MEDICAL ) XXXX Balance : {$160.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/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