BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: JPMORGAN CHASE & CO.
State: GA
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:
1. Chase MTG, Account number XXXX is fraudulently published on my personal file. On XX/XX/XXXX I spoke with XXXX, a Chase Bank representative, she verified that my social security number is not linked to a mortgage in their system nor have I ever had a mortgage with Chase Bank. Even more important, I have NEVER assumed a mortgage thus far in my life. This account is not mine and I want it deleted from XXXX, XXXX and XXXX credit report files. Thank you. 

2. On XX/XX/XXXX, XXXX XXXX put a hard inquiry on my XXXX credit report. I have disputed this twice as inaccurate and fraudulent. XXXX replied on XX/XX/XXXX with results being verified as accurate however according to my XXXX XXXX  - Inquiry Impact Complaint conversation, reference number XXXX, my social security number is not in their banking system. Please investigate and delete this inaccurate information from my personal credit reports reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to the bank on a Sunday in XXXX to deposit my mortgage payment, my Husband had giving me {$900.00} to deposit. The atm accepted some of the money and kept rejecting some of it, so I kept trying straighten the money out and put it back in, finally I hit cancel, but the money did not come back out and it printed out a paper with a bar code on it, that is not what I'm use to getting after a deposit. It wasn't a receipt like I'm not use to getting, so I put my debit card back in to check the balance to make sure it credited me for the money. The receipt did not reflect the money that didn't come out. right away I called the number on the ATM and filed a case, I also went to the bank the next day and they told me they wasn't responsible for the ATM machine and I needed to contact them. After about 3 or 4 weeks, they issue me a credit for {$750.00}, now here we go a month later, they reverse the {$750.00} causing my car payment and mortgage payment to be rejected. When I called the ATM to find out why did they do that, I was told because I didn't have any transaction that day. I was 100 % at that bank, even if it didn't register my deposit, I checked my balance after the first transaction. I was at the bank that day and I made a deposit and I want my money back. Bank of America, XXXX XXXX, XXXX, NJ. Account # XXXX, routing # XXXX, this bank has my bill in shamble and they are charging me {$35.00} each day for NSF, I had the money in the bank, they reverse the charges and this should have never happen! Please somebody help! I can't let them get a way with this, I know they have the extra money and it is mine. I lost track of the real amount because it kept spitting some of the XXXX $ bills out, I'm sure it was more than {$750.00}, but i just went on the low end. Please help me recover my money, I can not afford to just walk away from that, my mortgage has been rejected and my car payment. Can you have the bank to do a CPR, so that it will show I was at the bank that day and I did do a transaction. I have filed another case.

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 2016-02-10
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
First, my home mortgage was involuntarily by XXXX XXXX XXXX to Nationstar Mortgage. 
Nationstar Mortgage has no convenient payment methods available to their customers without a fee and they are located out of Illinois, where I reside. I made my monthly payments. After making my XXXX payment, I received a letter and a notice for a certified letter from Nationstar Mortgage. The letter stated that I was two ( 2 ) months past due and that I owed a total of nearly {$2500.00}. Well, after seeing this I went to the online account information and discovered that my monthly mortgage payment had increased in XXXX 2015 to {$1000.00} and some odd cents. In XXXX I had sent my normal payment of {$840.00}. I called them right away to find out how they could be missing my payment when I had proof that the {$840.00} was withdrawn from my account. I was then informed that my account was short {$210.00}. 12 and that 's why they had n't applied it to my mortgage payment. Customer Service explained that they held the payment and they were trying to contact me. I have my number on file my email address on file and I receive mail at my home and my mailing address and it took them over 30 days to notify me my account was missing two ( 2 ) increased payments. I immediately contacted XXXX XXXX because I was already nearly {$2500.00} dollars delinquent and it was already the end of XXXX. 
When I got my member file together and spoke to a XXXX representative, the representative listened to my story and contacted Nationstar to try and clarify why the monthly mortgage payment had increased. She discovered that my Escrow had increased. Well, this was surprising because my property taxes had decreased for this year. I think the insurance payment remained the same. I telephoned the Nationstar Escrow department and I was told that XXXX XXXX XXXX allows a Mortgage Loan client to have a negative Escrow balance and that they passed off the loan from XXXX XXXX XXXX with a negative Escrow balance, but Nationstar does not allow for a negative Escrow balance. Well, again my loan has been caught in a trick bag. Nationstar, also reports that the loan in ineligible to drop the PMI because my payments have been more that 30 days late. All of this has been error after error by XXXX and Nationstar. These mortgage lendors are dealing in unscrupulous practices that need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX 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 2022-10-08
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXXXXXX XXXX They sent my information to National Credit Systems XXXX. 

I turned my move out notice in in XXXXXXXX XXXX XXXX, with a move out date of end of XX/XX/XXXX They sent me a letter 60 days after I moved told me I owed them for XXXX XXXX-I did not live there in XXXX of XXXX. 

Never had a walk through when moving out-This complex did not have ANYONE EMPLOYED AT THE TIME... 

I emailed them at the end of XX/XX/XXXX, was promised a follow up by XX/XX/XXXX they never followed up, I have tried contacting them to get this out of collections.. I want to file a complaint against the collections and the complex Below is a copy of the email sent... 



I received a notice at my new address of money owed. I owe you nothing. 



I have attempted to come there multiple occasions to return the keys and no one is ever on the property. I have made multiple attempts to reach someone and resolve this matter when I moved out and do not agree with the notice that I received. I also called the civil court house for advice on how to settle with your apartment complex as there is not support on the property. That is bad when things are not fixed and you have to call civil court and they are aware of problems on this property. That is not good. 



I do not owe XXXX XXXX any money. You all never fixed anything, the property is not well maintained or well kept and multiple tenants are complaining and you have the nerve to send me a notice states that I owe you. 



I need to detailed list of WHAT damages as some things are normal wear and tear, I have been there since XXXX REALLY!!!! 



I need you to locate my move in information and make sure you are NOT billing me for damages documented when I moved in. 



I turned in my intent to vacant letter, closed on XX/XX/XXXX and moved out over that weekend-Show proof that I lived there in XX/XX/XXXX. 



Document my multiple attempts to reach someone to turn the keys in-I work the same hours you all do and you dont follow up. 



Carpet cleaning-that carpet has been in that XXXX XXXX XXXX did you replace it? Why are you charging for cleaning. 



Lastly, I paid someone to come in and clean.. I closed on Friday and moved on Saturday the XX/XX/XXXX I was out of there XXXX XX/XX/XXXX ( I have receipts for moving to show proof but how would you know you are never on the property ). You cant just make up a date that I left. Please show proof. 


Some things I agree with like the stove-I did not damage that apartment. 

Please contact me as soon as possible to resolve this matter so that I will know how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: CREDIT ACCEPTANCE CORPORATION
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: Reporting company used your report improperly

Complaint:
he credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) Credit acceptance coorparation has been notified of this injustice on my account and still refuses to take any action to right this wrong. 

Someone needs to hold them accountable for this

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 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 any item 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 : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$830.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$2200.00} ; XXXX XXXX XXXX : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$820.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$730.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX ( XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$24.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO 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 non-monetary relief
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-06-25
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: Their investigation did not fix an error on your report

Complaint:
Experian dispute repeats what the creditor states, without any documentation or investigation from Experian 's point of view. Yet, it keeps damaging my credit score, with apparently no recourse for me. 

Reference to Experian Report Number XXXX Issue : XXXX ( credit union in TX ) reported wrongly on my file that I was late 30 days. I asked for documentation, and they refused to provide. 
I opened a dispute with Experian, and I was asked documentation to sustain my dispute. I provided it. 
XXXX response came exactly the same way as before, without any documentation, wrongly stating that I was late for 30 days. 
I asked Experian how was this determined, and I got no answer. 
Why is it possible that a credit union can put anything on a report, and when asked for documentation they do not have to produce anything? 
Can I get this item corrected?

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 2023-02-04
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
Company: Consumer Portfolio Services, Inc.
State: OH
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:
Consumer Portfolio Services ( auto financing ) was included in my chapter XXXX bankruptcy filing. They were paid in full ( 100 % ) by my trustee employed by The Ohio XXXX District ( XXXX Ohio ) Federal Bankruptcy Court. 
The Chapter XXXX Bankruptcy has been successfully discharged. They continue to report on my XXXX credit report as this account being " open '' after attempts by myself thru the online dispute option. I have plenty of documentation showing they were my auto finance company, they were paid in full thru the Ohio Federal Bankruptcy Court, and that they were notified and informed of the completion and closure of the case by the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: SYNCHRONY FINANCIAL
State: IL
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:
On XX/XX/2019, I contacted Synchrony Bank/Pay Pal after noticing a new account was opened under my name and SSN, which I had not done. After taking my information, the Bank informed me that this was the result of identify theft and that the Bank was ( 1 ) going to close the account, ( 2 ) put on a fraud alert, and ( 3 ) notify the credit bureaus. I asked them specifically if I needed to also notify the credit bureaus and they told me I did not. The same day, I placed a credit freeze with all three credit bureaus. 

Several weeks later, I saw that another new account was showing up on my credit report for Synchrony Bank/Pay Pal. I called again to inquire how this was possible. The agent told me that the " computer '' generated a new account when the old account was closed. The agent also told me that a new card was sent to the address on file ( notably, NOT my current address ). The agent told me that he would close the account again. I asked if he was also going to notify the credit bureaus, and he said he was not planning to. I told him that my credit score has already gone down as a result of the newly opened fraudulent accounts and asked that he contact the bureaus about the new account, and he told me he would. 

After this conversation, I began contacting the bureaus to dispute the two Synchrony Bank accounts that are still listed on my credit reports. I just got off the phone with XXXX  and the XXXX   agent told me that Synchrony Bank never reported the identify theft/fraudulent account to the credit bureau. 

This is an outrageous situation.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft back in XXXX. In the process of becoming a victim of XXXX XXXX I had to get a protection order and move within XXXX hrs to a private XXXX  XXXX shelter for abused women with my children out of state in XXXX Georgia. In that process my identity was stolen with a lot of my belongings. 

I did not realize this until later. I believe I had a police report from one state when I reach out for it that police station was not able to pull everything but they were able to help me with record numbers, I then needed a detective to get those records. 

XXXX XX/XX/XXXX I was served Court documents to show up at court. I called to confirm that I would be there with my attorney and my documents and the date was for XX/XX/XXXX Once I was here in Georgia my identity was stolen as well & I have police records for that. I went to court on XX/XX/XXXX for my Civil Case with XXXX XXXX XXXX, XXXX with the Magistrate Court of XXXX XXXX State of Georgia to plea my case and it was dismissed. 
Now on XX/XX/XXXX they have again re-opened this case under XXXX XXXX XXXX XXXX on my credit report in that same amount of : {$1600.00} which is the judgement amount I was dismissed for without prejudice and I have a copy of this judgment from the court.

Company response to consumer: Closed with explanation