BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I send all my documents for the hardship for my mortgage loan account number XXXX to Selene Finance customer service Those documents are bank statements of last 3 months in XX/XX/XXXX, my income taxes, my divorce settlement and sign and return my borrower assistance those documents was sent trough e-mail to their customer service Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Consumer Adjustment Company Incorporated
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was notified through my credit report that an organization called Consumer Adjustment Co place a collection account on my credit report for {$5600.00}. I was never notified or contacted regarding the debt. I spoke to rep who confirmed it was XXXX an account that had already been dismissed and settled through the IL courts. My consumer rights were violated as the company failed to contact me regarding the debt and has not furnished any proof that I should pay them money for a settled debt. I will contact legal representation and countersue for providing false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Dynamic Recovery Solutions, LLC
State: NY
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:
On XXXX  I was notified by my bank that I received derogatory credit reporting from Dynamic Recovery Solutions. I have never received correspondence and I am not familiar with this company otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Williams & Fudge, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Williams and Fudge called to ask about student loans of someone who has the same first and last name as me in XXXX. I said it wasnt me ( we have different middle names and social security numbers ). They started calling me again in XXXX XXXX  I called their main office and said it is not me ( again ) and they said they made a note of it. They called my workplace again on XX/XX/2022. They keep calling my workplace for debt that is not mine. I have repeatedly told them I have a different social security number and middle name. In fact I have never had student loans. I have checked my credit report and there is no loans. They gave me the last 4 digits of the social security number of the XXXX XXXX with the loans and they do not match my social security number. I need them to stop harassing me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Foursight Holding LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Foursight Capital LLC somehow acquired my loan from XXXX XXXX XXXX XXXX without my knowledge or consent and now that demand that I pay them or they would repossess my car. I have sent them a certified notarized debt validation letter to please produce the this contract that I have with them with my signature. They cant because there is no contract with them with my my authorized signature which lawfully they have to present and haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ( XXXX XXXX ) Account Number ( # XXXX ) has violated my rights. This creditor 's account is not mines and I never had a account with this creditor so remove.

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 2022-02-14
Company: Credit Karma, LLC
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2022 my Tax Refund was deposited into my recently opened Credit Karma Debit Account. I have been trying to activate the card and/or move funds to a different account and I keep getting a system error, Ive tried using their app, website on mobile device and on computer and I get the same connection error message. I am now very late on my payments due to this inconvenience. I have tried contacting their customer service at XXXX ( XXXX ) XXXX multiple times and Its impossible to get a live person and I end up getting hung up on. Im frustrated, in debt and planning on going to court because according to the reviews I am not the only one they have done this too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: JPMORGAN CHASE & CO.
State: MA
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:
This is a complaint against JPMorgan Chase Auto as I have disputed their reporting of an old auto loan that has been paid off and their reporting on my Credit Reports. I've submitted disputes to JPMorgan Chase starting back on XX/XX/2021 and again on XX/XX/2021. They received my letters on XX/XX/2021 and also on XX/XX/2021 and they neglected to mark my Credit Reports with Disputed Comments. I've enclosed copies of the USPS Certified Letters, along with the confirmations that they received and signed for these letters. I've also attached copies of my Credit Reports from XX/XX/2021 ( well past the 30 days required by Federal Law and the FCRA ) showing they didn't mark my reports with the required " Disputed '' comments. In addition, the address they provide on the Credit Reports is not an accurate address as it is a forwarding address ( this information was provided to me over the phone, also on a recorded call ).

Per the FCRA and FEDERAL LAW, JPMorgan C
hase failed to mark my Credit Reports with the required Dispute remarks. By violating the FEDERAL LAW and the FCRA, it has interfered with my ability to obtain further credit. This is a violation of my rights as a consumer and must be removed from my Credit Reports. The Reports sho
w their lack of attention to my dispute and failure to follow the regulations of marking my Credit Reports with the appropriate dispute remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  XXXX with Account # : XXXX has violated my rights. 
XXXX XXXX Account # : XXXX has also violated my rights. 
XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Act. # XXXX XXXX/XXXX Account # : XXXX Inquiry : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX Inquiry : XXXX XXXX  XXXX. 
Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXX  Inquiry : XXXX XXXX Inquiry : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. States that have the right to privacy.

15 U.S.C 1681. Section 604 A Section 2 also states that a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-06-21
Company: CHECKredi of Kentucky, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
{$37.00} on XXXX XXXX XXXX I paid for gas through XXXX XXXX XXXX XXXX XXXX. No way to check if account is up to date. XXXX XXXX XXXX  ( 5 days later ) an email from debt Collector Checkredi. I inquired about debt and agreed to pay owed {$37.00}. They took card and charged additional {$35.00}, total {$72.00}. They also informed me there is no way to check or update payment info in app, and that this was my opportunity to update now. This is an organized extortion system between XXXXXXXX XXXX XXXX XXXX XXXX and CheckrediXXXX  They make it nearly impossible and very impractical to know for sure, if ur account is up to date before transacting. Its ridiculous and Ive already gone ahead to dispute the additional {$35.00}. I also communicated that Im a victim of identity theft, filed with the FTC XXXX XXXX XXXX and that the account in question which I wasnt able to validate because of the shady practices between XXXX XXXX and Checkredi was remnant left over from the identity theft I was experiencing on that account. Also the website the provide to deal with this matter with ur login credentials from the XXXX XXXX XXXX does not work at all. The whole thing is a ploy.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Debt Recovery Solutions, LLC
State: NJ
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: EQUIFAX, INC.
State: AR
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:
On XX/XX/XXXX I spoke with XXXX, a supervisor in the Fraud dispute department at Equifax. I informed XXXX I was inquiring about the account XXXX XXXX Credit Card. I explained to XXXX the initial dispute was received onXX/XX/XXXX regarding this account being opened without my consent. I then advised XXXX the investigation has been over 30 days and Equifax has failed to provide 100 % accurate verification of this account. XXXX told me that XXXX XXXX sent over electronic verification regarding the account that included my name, current address, date of birth, and a social security number. I asked XXXX did XXXX XXXX provide any original documentation or contract containing my signature. She then replied by saying no they were not able to provide any original documentation. I then went on to explain to XXXX this is a clear violation of the Fair Credit Reporting Act section 609 & 611. XXXX said she was aware of the Fair Credit Reporting Act but would to wait on notification from XXXX XXXX before taking any action. I told XXXX XXXX XXXX is no longer in business and the information being reported is in accurate in urself. I also informed of the Police Report I've sent to Equifax including this account and account number. XXXX basically ended the call saying it's nothing else that could be done on their end even though their clearly are violating the Fair Credit Reporting Act which is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: MO
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 investigated my credit report, I realized that some of the information was erroneous.The 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate and update the unverifiable accounts XXXX XXXX XXXX Balance : {$270.00} ; XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Army and Air Force Exchange Service
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer reports as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Early Warning Services, LLC
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXXXXXX XXXX I was selling item for {$40.00} ( I have messenger text chain to confirm all of this ) XXXX  ' asked if I had zelle I do but never used Received email that money sent with a pending notice that I do not have business account. 
Received email stating that I have pending receipt of {$160.00} additional funds pending and secured total receipt will be {$200.00}. 
I need to refund the {$160.00} and deposit finalized I looked through email- stating not comfortable and reluctantly sent $ $ Received no zelle activity of money coming in sent request for $ $ - no reply sent messages that this is not right received 2nd email asking for more $ $ immediately called my bank and they filed a claim but will not refund my money XXXX ' zelle info : XXXX XXXX XXXXXXXX has XXXX  profile claiming not to be him. 
I deleted my email phone or any information from the messaging XXXX tried to send screenshot of XXXX XXXX XXXXXXXX deposit i said i need refund immediately or am calling police- i believe this is a scam he went off line

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is owned by Citizens One HomeLoans. Im currently in forbearance under a temporary loss mitigation program due to Covid-19 financial hardship. I have been unable to recieve any information about how to facilitate being considered for options provided through the CARES act upon completion of my forbearance period. On XX/XX/2020 I called my lender once again to attempt to recieve information related to my mortgage forbearance. When I made contact with my lender, two different customer service reps told me that all defferred payments would be due immediately upon expiration of my forbearance period. One told me that my forbearance program ended in XXXX and another told me it ended in XXXX. Neither could provide me with any information on their processes to comply with CARES act options, including the partial stand alone credit claim. When I referenced these options they had no knowledge of what i was referring too.Further the reps could provide no guidance on any steps that may be needed on my behalf to facilitate this process.Three agents i spoke to could not be understood due to quick speech and an extremely heavy accent, when i politely asked to speak to a manager one of them fought with me, another just transferred me to the collections department. I have spent hours on the phone with this company since the beginning of this process in late XXXX and have consistently be given inaccurate and inconsistent information from everyone I've spoken to. The only thing that they have been consistent on is the fact that I will owe them all the defferred payments, paid in full, upon completion of the forbearance period. I have reached out to HUD several times, since I have a FHA backed mortgage, and I have filed a complaint. I will be requesting action in writing by the lender, to provide specific guidance on my options at the end of my forbearance period and clear guidance on any action required on my part. Im requesting that you please provide any assistance or direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited tohold you accountable for your willful noncompliance XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX ( Original Creditor : XXXX NC ) XXXX Balance : {$300.00} ; XXXX XX/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 non-monetary relief
Consumer complaint received 2023-04-29
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/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
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 investigated my credit report, I realized that some of the information was erroneous. The TransUnion are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : Personal Information : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MN XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/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
Consumer complaint received 2016-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Good Morning to whom may concern, RE : Case XXXX, I, XXXX XXXX XXXX still in disagree with Bank of America in regards its refusal to delete of the Full Reconveyance ( Home Loan ending in in XXXX ), the last three lines that states on the scenario of full collection enforcement of the debt related to this Deed, even it was already BK Chapter XXXX discharged. 
So Far, I just received a letter of a third party " Law Firm '' from BofA that states on this matter wo n't be enforceable by any form by collection. 
I am in demand that Bank of America ammend the Deed of Reconveyance with the last lines related to the possibility of collecting the discharged debt. 
I 'll considering this matter dismissed when this legal recorded document has been edited with the part in conflict is deleted. 
This will be corrected in writing, clears the water. 
Thank You CFPB Staff

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