BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-29
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: Information belongs to someone else

Complaint:
I appreciate you taking the effort to delete some of the items from my file that were allegedly obtained through identity theft, but I still need to delete a few more. Any items listed on an ID THEFT REPORT must be removed in accordance with FCRA section 605 of the law. This report was originally included in a prior letter, so I'm including it again. My lawyer has been told of my plans, and they are eager to make you responsible for your deliberate non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/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 2021-11-24
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I applied to refinance my house and my credit scores which normally are in the XXXX 's were XXXX due to an XXXXC fraudulent account with a charge off of {$2200.00} being listed on my credit report. I called XXXX fraud department and spoke to XXXX on XX/XX/2021. XXXX stated that she put remarks in the charged off account but could not give me a report number since she could not access the application because it had been charged off. XXXX told me I would have to file reports with each of the credit bureaus to have the account removed from my credit report. I did file disputes with each of the credit bureaus. I received a report back from XXXX stating they had concluded investigation and they could not remove it from my report that I would have to file a report with cfpb due to it being a case of fraud. Also, there is a fraudulent address in XXXX on my credit report that I never lived at and that is the address that was being used for the XXXX account 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 2019-03-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/2019 I filed an identity theft dispute with Equifax. In this dispute I submitted a letter indicating what information was fraudulent and that I was requesting for the items to be blocked pursuant to section 605B of the Fair Credit Reporting Act. In this packet I submitted a copy of my drivers license, social security card, bank statement, police report, FTC Identity theft report including all of the fraudulent accounts opened in my name, a copy of section 605b of the FCRA, as well as a copy of my most recent credit report with Equifax with each of the the items that were fraudulently opened in my name circled. I spoke with Equifax today regarding my dispute and was told that my request to block the fraudulent items from my credit report has been denied. I understand that the credit bureaus has a right to deny the block information under section 605 ( c ) of the FCRA. ( c ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
Equifax has failed to provide me a reason why this request was denied which is required. I filed a police report with my local police department as well as with the Federal Trade Commission. I have sent both reports to all of my furnishers including all of the 3 major credit bureaus. The other 2 credit bureaus XXXX and XXXX   have accepted the same exact dispute and have removed the fraudulent information from my credit file. Equifax thinks that they don't have to abide by the federal laws of the fair credit reporting act which is why I am filing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
XXXX, went to Chase bank in XXXX, XXXX, TX to cash my payroll check. Was told no, limit is {$2500.00}. XXXX XXXX, a mgr., came over and kept saying no no No without hearing the teller or me, and was very rude. I offered to open an account, XXXX XXXX cut me off and overruled the teller saying XXXX hold my check for up to 30 days if I do. I inquired why was he doing this, he replied its our policy and repeated it 4 times like he was a child having a tantrum. He never provided a copy of any policy to substantiate his claim, and never offered to. I reminded him my employer banks with them, he said so, you dont. His behavior was inappropriate, and unprofessional. He was personally belligerent and lacked even basic courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was never late on the paid off account listed above. Please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my credit report

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 2019-03-22
Company: EQUIFAX, INC.
State: NC
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 mailed a certified letter to XXXX and Equifax see attached document. 

I asked XXXX to remove the XXXX account from my report. I Asked that they send me the actual signed contract or it needs to be removed because it is being reported inaccurately I wrote Equifax and ask them the same including an account for XXXX XXXX XXXX XXXX. 

The have yet to verify these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear Sir or Madam : I am writing because I am trying to set up a XXXX Loan Modification. I believe the program is called " Flex Mod. '' I learned on this by researching on the XXXX Website. I am currently in Chapter XXXX ( I have only 7months left ). I had fallen behind on my mortgage. I am currently unemployed. I lost my job in XXXX. 

My mortgage company is Mr. Cooper ( formerly Nationstar ). My Loan # is : XXXX. I made a payment on XX/XX/XXXX for {$2200.00}. Because I am in bankruptcy, my Attorney had to sign a consent for me to correspond with them, which I did. I have not made a payment since because I am unemployed. I called Mr. Cooper on XX/XX/XXXX to tell them that I was unemployed and I would like an application for a modification or other options. I waited up until XX/XX/XXXX for the application, to no avail. I called again on XX/XX/XXXX. I was transferred 3 times and on hold for 20 minutes, which did nothing. I called again on XX/XX/XXXX at XXXX XXXX. I was told that I did not have to fill out anything and that they would hae something for me by the end of the week. It is now XX/XX/XXXX. I have not received anything, or a phone call. 

I believe that I am getting the run around. My plan was to make a payment once I receive unemployment benefits. It has been 5 weeks since I applied for unemployment. I need a solution to my problem and help, but they are not working with me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX I was set up with a modification due to a layoff during the pandemic, they sent me a letter stating I was approved and I sent back the signed letter, it is now XX/XX/XXXX and I am now being informed that my modification is no longer valid as they seemed to have not recieved my 3 emails and uploads to get them the signed paperwork, this is not my first trist with PHH/XXXX XXXX. These people are horrible. I am now upside down in my home and will be paying for my house for 60 years, I have been in my home since XX/XX/XXXX. I have paid as I have promised and they are now telling me that I am behind over 4k. 
Can I sue them and be done with my mortgage already? What options due I have I want to get rid of them and be done with my house mortgages with these people. they are a XXXX  nightmare, the scripts they read to us need to be changed, no one seems to know what they are doing. 
i want to sue them! I want them to release me and my home with a settlement of anykind just to get away from them. 
Who can sue them and where do I go next?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: MI
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 XX/XX/XXXXt account : XX/XX/XXXX( XXXX ), XXXX 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 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 2022-12-07
Company: AMERICAN HONDA FINANCE CORP
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
When I turned a leased vehicle into a purchase back in XXXX of XXXX Honda did not release the title to me and my bank properly or timely. It is now XXXX, and the bank STILL has not received the title. 

I asked Honda to put in a request with the Indiana XXXX XXXX XXXX XXXX for a duplicate title. The XXXX has not processed the request as of today, XX/XX/XXXX. It has been XXXX days since they received the duplicate request. 

The ball is in Honda 's court to inquire with the XXXX as to why the request has not been processed. However, their policy is to wait XXXX weeks, and have said their policy is not call the XXXX before then. They are able to make this call, but they are using an arbitrary policy to NOT contact the XXXX. I am unable to wait any longer, as I need this title issue corrected in order to deal with my insurance company. 

This is not the first time they've changed contact expectations. When I first spoke with Honda Financial at the beginning of XXXX, they said that the title could be processed within a few days. Now I've had to wait until today, and now I have to wait another XXXX weeks. 

I need Honda Financial to connect with the Indiana XXXX XXXX XXXX XXXX in order to process the duplicate title. There is no reason this process should be dragging on at this point. It is not an undue burden on Honda Financial to participate in a phone call with the Indiana XXXX in order to complete this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX when I try to access my bank account it says my debit card is closed. I contacted chase customer service and they said my account is closed and they never told me the reason why they closed my account. At this time XXXX cant have access to my money because chase will not release my money at all. 
The amount chase holding from me is : {$3600.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021, my Citi credit card account is closed. 

I was scammed to purchase of {$4300.00} worth of goods. The scammer provided a bank account to pay for this charge. Citi credit card put this charge on their APP statement as paid right next day after I provided the bank account, which misled me that the money has been withdrawn from the bank account. I sent the purchased products out the next day using the label provided by the scammer, which I can't get them back. 
Citi credit card informed me the {$4300.00} charge be returned via my email 4 days later. 
Before I received the email, I have called Citi card multiple times about the payment and always got answers that the payment was fine. 
Citi credit card 's unclear and confused statement resulted in this loss. 
I have filed a police report on XX/XX/2021 and the case # 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 2023-07-02
Company: Affirm Holdings, Inc
State: VA
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:
Late paymemt/missed payment and closed account was reported on my credit report during the Covid-19 Pandemic. I had difficulty keeping up with the payment due to being laid off from my job to job. I have tried to find multiple job just from being laid off job to job due to the business closing and not need much workers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: IN
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 # has violated my rights. 


XXXX Account # XXXX MO US Dept ED Account # XXXX XXXX XXXX XXXX # XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1618 section 602 A. States I have the right to privacy.

15 U.S.C. 1618 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 2021-11-24
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company called. I asked for a copy of the contract. The only thing I received was a letter with a so called notification. I called the company to tell them and they proceeded to attempt to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I submitted dispute letters to XXXX, Equifax, and XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about many accounts that I believed were reporting inaccurately and/or fraud. Each agency has failed to reply back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Youd have to get in contact with Wells Fargo because I was charged bunch of fees while having direct deposit of thousands of dollars before they closed my account that was a joint account with me and now deceased mother. Also when I deposited a check from a company that turned out to be fraudulent them still giving me not the whole thing but about XXXX dollars from it then finding out it was fraud and making us pay it back when were supposed to be protected from it as well as XXXX XXXX still taking money out of our account after my mother was deceased. An account I didnt even realize we had until months and months after her death because I was hospitalized from 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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
It has been seven years since my Bankruptcy was discharged. I am requesting that the public record be removed from my credit report. 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
Consumer complaint received 2023-04-29
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:
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 is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$2600.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00}, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/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 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 4 business days after the date of receipt.

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 2021-11-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
MY NAME IS XXXX XXXX XXXX, XXXX XXXX, ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. THE ACCOUNT WITH THE ACCOUNT NUMBER XXXX IS A FRAUDULANT ACCOUNT REPORTING ON MY CREDIT REPORT

Company response to consumer: Closed with explanation