BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: NE
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: NY
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a card with Citi bank ( citi premier card ) on the promotion page which offered XXXX bonus points once I spend XXXX dollars in 3 months. I met those requirements and none of the terms and conditions disqualified me from the promotion. I called Citi bank on XXXX and a supervisor advised me that he saw that I opened it on the promotion page but was going to look into it and call me back within 2 hours. I did not receive a call back. On XXXX I called again and the supervisor I spoke to told me that the back office decides who gets the promotion even though the website shows that the promotion is not limited to a certain population. He could not give me any information or offer me any help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened an account through XXXX, who uses TDBank, for a payment plan on my Cell Phone. The first 3 month 's payments went through fine, then the next two months did not go through. I was not made aware of either of these not going through until the next month I noticed that I had more money than anticipated in my bill pay account. I researched and discovered the issue. I called XXXXTDBank who informed me that my account number was not correct and so the payments were rejected. The operator and I fixed the system error and made the payments in one larger payment. I realized that it may effect my credit statement, and so inquired about that not being shown as a late payment because of this system error ( and it was an error on their side seeing as my first 3 payments went through just fine ) - I was told that it shouldn't show up. So when it did, as I was applying for a home loan, I called back asking to get this corrected. I was told that they would not change the information, because the payments were late. This despite their system error, which messed up my account information, my attempts to make payments, and their system 's lack of notification telling me the information was incorrect/payment was not received. 

I made several attempts at having them remove this error on my report, but they refuse to cooperate despite my making the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: LD Holdings Group, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I have a FHA loan and loan depot.com llc is the original lender. I failed behind on my mortgage payment due to divorce and hardship. Loan depot did not offer me a loan modification or any help to prevent foreclosure. I received a letter from loan depot.com LLC stating that XXXX XXXX XXXX is my investor and whom the debt is owed to! XXXX XXXX XXXX is known for securitization on mortgage back securities XXXX which loan depot has sold my mortgage security on a secondary market and is no longer able to in force foreclosure on my property! Loan depot.com llc have violated many of the CFPB and Tila rules and regulations. 

1. CFPB violations, transfers between affiliates Loan depot informed me that they have sold my loan to a new Servicer and that new Servicer was also loan depot.com llc 2. Tila violation, requesting and making money transactions for down payments on a consumer transactions 3. Using robo signature and unlawful Notary, outdated information, XXXX is no longer a Sub Servicer for loan depot.com llc all this is on a Assignment of Mortgage 4. Not offering loan modifications or loss mitigation to prevent foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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:
There were accounts in my report that does not belong to me, I do not know how they verified it but they did not provide me anything. I sent the letters on XX/XX/2022 and util now I did not receive any response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022, I made a payment on my Chase credit card XXXX through another financial institution in the amount of {$1700.00}. On XX/XX/2022 I check my Chase account because I received a notification that my payment was received but when I check my available credit it says {$0.00}. I called Chase 4 times on XX/XX/2022 and inquired how there was no available credit when I made a payment. Two reps were extremely rude and disconnected the line prematurely and the other two reps did not offer to credit my account even though Chase already received the funds from my financial institution. As of right now, I do not have access to the {$1700.00} AT ALL. Chase has robbed me and is holding my money hostage. I will not accept this level of discrimination according to 15 USC 1691.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX  XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items

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 2023-02-22
Company: LTD Financial Services, L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identity Theft and notified XXXX Credit Card XXXX including letter, FTC Affadavits, and police reports. Notified again XXXX and both no responses. XXXX XXXX Credit Card turned over my account to LTD XXXX which was illegal as this was the result of Identity Theft and XXXX credit card had blatantly ignored the correspondence I sent in twice as they did not respond. I notified LTD XXXX on XXXX, XXXX, and XXXX this account was the result of Identity Theft and needs to be removed from my profile and uncollectable as notified XXXXseveral times without a response. 

In XX/XX/XXXX shortly after my mother unexpectedly passed away, I fell victim to identity theft, where my Social Security number was found, linked to another ( fictitious ) name and address in XXXX XXXX. A significant amount of my financial accounts were compromised, including my existing accounts, as well as new accounts, opened using my information. They were able to get complete total access to my entire XXXX and were able to clone the phone giving them access to do everything I would be able to do. They even made payments from my financial apps where my checking accounts were held to the credit cards so that they could keep charging on the credit cards so I would maybe not notice as quickly they even made thoughts payments to five of my accounts from three of my bank accounts checking, savings, and one of my business accounts. I was confused as to how my accounts and information continued to be accessed even after fraud alerts and reset all passwords and security info, but since they had access to my XXXX and my XXXX ( previous phone ), they were able to see whenever I changed any passwords, and what they were changed to and every action performed using my XXXX and able to access all information on it for months until XXXX finally was able to find the issue of my phone being so slow and shutting down which was due to infiltration to my kernel OS system on my device, according to XXXX. I had to purchase a new phone once this was uncovered. 

I have included these documents as XXXX Credit Card and LTD XXXX need to immediately remove from my credit reports and release any and all financial liability for this account. Please send a letter confirming these changes and corrections to my address on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EdFinancial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have requested a refund in accordance with policy of being entitled to refund for payments made during the COVID payment pause. I first requested by email in XXXX, I requested again on XX/XX/XXXX. The company will give no details or estimate for a refund will be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Self Financial Inc.
State: TX
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:
As an XXXX XXXX XXXX VETERAN, My Fair Credit Reporting act consumer rights have been violated. I am deeply concerned by the acts of these companies and how they have portrayed me with the constant violations reported on my credit report. It has brought great shame to me and my family. My life since coming back XXXX XXXX has been in shambles with the loss of family members, COVID, AND dealing with XXXX XXXX XXXX XXXX ( XXXX ). I am unable to live a regular life due to these acts. 


The account listed below has violated my federal given consumer rights to privacy amongst other things. 


Account name XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name- XXXX XXXX Account XXXX XXXX Account name- XXXX XXXX XXXX Account XXXX XXXX Account name- XXXX XXXX  Account # XXXX Account name - XXXX Account # XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states that consumer reporting agencies can furnish a report under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy. ( My privacy has been completely ignored as these companies contact me via phone, Email & mail in order to garner attention to these accounts Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermined public confidence with is essential to the continued function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX, XXXX, and XXXX violating my consumer rights by allowing these late payments/utilization/chargeoffs to report to my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
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:
ChexSystem is reporting inaccurate bank account data on me and they do not have my written consent to report any information. There are inaccurate addresses and other personal information in the report. 
The bank, XXXX XXXX XXXX is an unreliable source. ChexSystem does not have permissible purposes to report any information on me 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 2022-11-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a $ XXXX promotional balance ( started on XX/XX/XXXX ) which was good through XX/XX/XXXX. As I was making payments to this card, over {$4600.00} of the promotional balance was paid off instead of Wells Fargo applying the payment to the interest bearing account balance. I have called Wells Fargo and they confirmed that after the minimum payment is made, remaining payment amounts are applied to merchandise purchases and cash advance first, then promotional balances. However, since I made 2 payment on XX/XX/XXXX ( $ XXXX and {$9900.00} ), they applied approximately {$4600.00} to the promotional balance at 0 % instead of applying it to the interest bearing merchandise balance. 

You can see from previous statements, payments were applied to merchandise balances first with a minimum amount being applied to the promotional balance. However, my XX/XX/XXXX payment was not applied in the same manner.

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 2021-12-13
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: Account information incorrect

Complaint:
I have sent several letters from XXXX without any resolution. My name appears incorrect after I have sent documentation proving who I am. My credit report shows information from XXXX  XXXX and XXXX that has not been verified to be accurate. My credit report from all three credit bureaus should be wiped clean due to all of the inaccuracies. I have several inquiries that are incorrect as well. 

XXXX XXXX XXXX Experian have not done there due diligence in protecting my credit report. When I question false documentation they do not rectify their mistakes.

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 2021-12-13
Company: EQUIFAX, INC.
State: NJ
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 credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I've received three letters informing me I've missed payments for specific dates. I'm constantly receiving notices of missed payments for different dates that I have already paid. This is a form of fraud and discrimination of a senior. This is the third time I have received the letter. I have attached the last letter sent to me as well as the bank statements of payments for those listed dates. 

The letter states that I've missed XX/XX/XXXX. On the first bank statement, I paid an amount of {$640.00} on XX/XX/XXXX. The letter also states I missed the XX/XX/XXXX payment. On the second bank statement attached, an electronic debit of {$640.00} was withdrawn on XX/XX/XXXX. The letter states, " Your XX/XX/XXXX payment of {$640.00} was applied to your XX/XX/XXXX payment. '' Why is there an applied payment from XX/XX/XXXX for XX/XX/XXXX when I've already paid on XX/XX/XXXX prior? Refer to XX/XX/XXXX bank statement below. The letter states, " We have no record of receiving a payment from you in XX/XX/XXXX. Refer to the third bank statement below of XX/XX/XXXX. An electronic debit of {$640.00} was taken on XX/XX/XXXX. 

The only correct date on the form I've missed is XX/XX/XXXX. I paid TWICE in XXXX to resolve that issue. The first payment should have been applied to XX/XX/XXXX and the second payment should have been for XX/XX/XXXX originally. But it was not applied. Instead, the letter shows the XX/XX/XXXX payment was issued for XX/XX/XXXX. It should have gone towards XX/XX/XXXX due to XX/XX/XXXX already paid as proven in the bank statement. And XX/XX/XXXX should have been applied for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Please be formally inform of the wrongly reported accounts I have indicated below. These accounts and inquiries are destroying my credit reputation. The account listed below are not mine. I have no idea why they were listed to my credit report. I surely believe that this is a FRAUD or either somebody with the similar name. This is my FTC Report Number : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I filed a complaint # XXXX, which has been closed. 
I received ( 3 ) three-month forbearances due to Covid & I thought my bank had NOT extended the maturity date of my loan, but they did. I was wrong. 
That fact made me realize that the payoff amount the bank says I owe is incorrect ( too high. ) On XXXX I requested an amortization showing all of my payments & how they were applied & I've received it. The maturity was extended by 11 months. 
My loan started in XXXX ; it was for {$25000.00} for 15 years ( XXXX payments ) at 7.6 %. My original documents say my total payments would equal {$41000.00}. The amortization shows I've made XXXX payments which I calculate totals {$41000.00}. 
The amortization shows the XXXX forbearances & XXXX skipped payments ( which I was allowed to do for a {$35.00} charge ) XXXX in XXXX & XXXX in XXXX. 
My bank says I owe {$2000.00}. 
I produced an amortization on an online calculator that allows skipped payments & the amount it says I owe is significantly less ( I actually set it up to start in XXXX & end in XXXX & skipped the same months. ) There are entries on amortization from XXXX I question. XXXX XXXX XXXX {$1700.00} & XXXX XXXX XXXX {$1500.00}. 
I tried to call to discuss this yesterday, XXXX. I talked to XXXX different people in various departments. None of them could help me. I tried to call individual with office of chairman, but could not connect. 
I faxed paperwork for modification due to hardship on XXXX & have heard nothing.

Company response to consumer: Closed with explanation