BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: BSI Financial Holdings, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re : claim XXXX. 
I just submitted feedback which closed the claim. After submitting feedback, I checked my BSI account. They have credited me {$50.00} on XX/XX/19 but not the {$79.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-12-17
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX has been paid. They are now falsely claiming that they are owed money even though when I returned the lease. I was told there were no issues and I owed nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Finance System of Toledo, Inc.
State: OH
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 sent a letter to Finance Systems of Toledo requesting VALIDATION of this alleged debt ( FST ID number : XXXX ) and sent it via USPS Certified Mail. Finance Systems of Toledo has received my debt validation letter ( see attachment ). I requested that the account information be omitted from reporting to my consumer reports pending a response that provides sufficient validation of the alleged debt. During the 30 day validation period, they have continued to furnish this inaccurate information to the consumer reporting agencies and have violated my rights as a federally protected consumer. Additionally they are in violation of 15 USC 1692b ( 2 ) for the correspondence they sent me on XX/XX/2020. They have also been notified of this federal violation. I am demanding that this information be removed from consumer reports immediately as this information is neither accurate nor verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
At this point Im going to have to hire an attorney. I do not owe this facility money. I moved by my lease expiration and never signed a new lease after they asked. Also, theres a 5 month gap on my ledger where the old manager did not record payments that I made which caused a massive credit. The new manager is trying to extort money out of me because there were several damages to the property due to no fault of my own for example, mold, crack in wall due to the contractors trying to lift the building and it caused a massive hole, and a rotted patio doors amongst other things that needed to be replaced. The new manager is just trying to say I have a balance in order to offset the money they had to pay fixing the problem with the mold, termites, foundation problems and rotted patio. I have attached pictures of all the damage as well as the email where my lease ended. I did not sign a new lease after the manager informed me that they couldnt do any upgrades but the rent would still increase. I decided to not renew my lease after hearing this. The manager is just looking for monies from me to pay the bills on the many things that were wrong with the unit. I will also be consulting a lawyer about the mold in the apartment. I havent been able to breathe right since residing at this location. Again I tell you this is not my balance see attached pictures.

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 2023-04-17
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My old mortgage company reported on my credit that I was 30 days late and XXXX to 90 days late. To my knowledge I can for sure say according to my bank statements that i was late by XXXX or 2 months. 

I was also provide bad information via phone calls from members of the mortgage company when I had paid and than told to other things there for also being coerced into not paying on time. 

I also have a note book that I have written down phone calls that i have had with the company as well that I was told that I authorized money to be placed in my principal when I never gave consent or authorization to do so, I also was told by them that I asked to have payments reversed on numerous months when I never asked for that and I was provided certain dates that aren't even on my bank account. The story 's never a line from them. 

I had asked to always speak to someone higher and each time I asked I was told them couldn't help and when I did so, they would never allow me to send my supporting documentation and when once i finally was able to they said that there information didn't change because they said was they had didn't reflect what i had ( ie. Bank statements ). 

If you need more information please call I can explain more via a phone call because there are things that are easier to explain on the phone than through writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I am challenging the incorrect information with PXXXX XXXX XXXX where all 2 Bureaus Experian and XXXX have clearly violated the law and have put on my credit report that the account has been verified but still have not provided any details on how it was. The account is being reported as a Charge Off and by law, you can not collect on a charge-off account nor report it monthly. 
I contacted all 2 bureaus Experian, and XXXX as well as XXXX XXXX XXXX Well, the law states that with a charge off a company can no longer collect on the debt because they wrote it off to the IRS. This is a cancellation of debt. I received a 1099 C in the mail and had to file this with my taxes. I then know that you can not report income to the credit to my consumer report. All reporting agencies prepare a consumer report and shall follow reasonable procedures to assure maximum max of possible accuracy of the information concerning the individual. This is inaccurate information and I need it deleted 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 2021-03-12
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I received a letter from XXXX XXXX XXXX XXXX, stating that I owe them an alleged debt. So I send them a letter asking to validate the alleged debt they claim I owe. In my letter, I asked them to provide me the following : 1. Name and address of alleged creditor.

2. Name on file of alleged debtor.

3. Alleged account # 4. Address on file for alleged debtor 5. Amount of alleged debt.

6. Date this alleged debt became payable.

7. Date of original charge or delinquency.

8. Was this alleged debt assigned to a debt collector or purchased?

9. Amount paid if debt was purchased.

10. Commission for alleged debt if collection efforts are successful.

In my letter I also ask for the -Agreement with their client and grants XXXX XXXX XXXX XXXX the authority to collect this alleged debt. 
XXXXSigned Agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.

-Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

-All statements while this account was open. 
-Have any insurance claims been made by any creditor regarding this account? 
-Have any judgment been obtained by any creditor regarding this account? 

In my letter I also ask for the name and address of the bonding agent for XXXX XXXX XXXX XXXX in case any legal action becomes necessary. 

I also stated in my letter that if XXXX XXXX XXXX XXXX fails to provide me with any of the above request, then all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

On XX/XX/2021. I received a respond from XXXX credit management to my request of validation letter. They did not provide me with any of the above request I asked and all they responded was that their records are accurate. Since they can not validate this alleged debt, they were not able to prove that this alleged debt belongs to me and therefore, this alleged debt must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
DITECH ATTEMPTED TO ESCROW MY MORTGAGE..I PAID MY FIRST HALF TAXES..THEY ALSO SENT MONEY IN..MY TOWN SENT THE MONEY BACK TO THEM..THEY RAISED MY MONTHLY MORTGAGE FROM {$490.00} TO {$1400.00} A MONTH..I SENT IN LUMP SUMS TO COVER MY SECOND HALF TAXES AND MY HOMEOWNERS INSURANCE ..BECAUSE I ONLY SENT {$490.00} /MONTH THEY SAY I HAVEN'T MADE A MORTGAGE PAYMENT IN 233 DAYS..SO I'M GOING INTO FORECLOSURE ... I JUST SENT ALL THE COPIES OF CHECKS THAT THEY CASHED ASKING WHERE IS MY MONEY..I CAN NEVER TALK TO THE SAME PERSON AGAIN AND EVERY PERSON I TALK TO HAS A DIFFERENT STORY..WHERE IS MY MONEY..TODAY IN THE MAIL I RECEIVED A NOTICE THAT THEY ARE LOOKING INTO THE PROBLEM ... BUT THAT'S THE SAME LETTERS I GOT LAST MONTH,,,,, PLUS,,, IN MY ENVELOPE WAS THREE OTHER PEOPLES MAIL,,, WITH THEIR ACCOUNT NUMBERS,,, THIS IS ONE SHADY COMPANY..IS THIS HOW THEY TAKE PEOPLES HOMES??

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 recently conducted a comprehensive review of my credit report as part of my professional responsibilities and was deeply troubled to uncover a significant number of unverifiable, invalidated, inaccurate, and questionable items. It is imperative that your agency ensures the absolute accuracy of the information it reports. 

As mandated by the Fair Credit Reporting Act, it is incumbent upon credit reporting agencies to maintain a credit report that is 100 % accurate. These accounts, as outlined in both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), are in clear violation of this crucial requirement. 

I expect prompt and thorough action to rectify these inaccuracies in compliance with the law and industry standards. Your agency 's adherence to these regulations is essential in maintaining the integrity of the credit reporting system.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I can not accept the presence of public records on my credit report. It is causing significant anxiety and distress, and I implore you to remove them without delay.

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 2023-02-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Wednesday, XX/XX/XXXX, I was contacted by an alleged Chase member, from the same phone number located on the back of my debit car. He asked me if I approved a wire transfer to XXXX for {$1200.00} and XXXX for XXXX I said no. He told me I had to complete XXXX " reversal '' wire transfers in order for these to remain in my account. The first wire transfer of {$1200.00} was taken out of my account, however the second transfer of XXXX was not because of insufficient funds. After a few days of the money not returning to my account I became suspicious and called Chase at the same number that I was contacted from, ( chase customer service ). I spoke with a representative from Chase and she was able to complete a recall for the first transfer. I told her I was concerned that the second transfer of {$1100.00} would come out of my account once I had sufficient funds so she transferred me to another representative to insure that this second wire transfer would not go through once sufficient funds were in my account. I spoke with the second representative to insure this so I expected the second transfer to not go through. On XXXX, XXXX, the first transfer of {$1200.00} was refunded to me and then the second transfer of {$1100.00} was taken out of my account. I contacted Chase again, but the representative was not able to do a recall for this second transfer and advised me to recall the transfer here. The recipient is XXXX. XXXX ID is XXXX for the amount of {$1100.00}. 

This is what happened and this is the same message that I sent to chase wire fruad department. After several weeks they reached back out to me explaining that they made multiple attempts to contact the recipient bank but never recieve XXXX reply or a response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I applied for a new credit card via a Federal Credit Union so I could close my bank account with XXXXXXXX XXXX due to XXXX continuously locking me out of my account when making electronic transfers. 

I was notified by the Federal Credit Union that someone had place an " XXXX XXXX Military Fraud Alert '' on my behalf with Experian. I spoke with Experian and was notified that they will remove the fraud alert. However, they could not divulge who put this fraud alert on my account which in my opinion is illegal. I am not, nor have I ever been in the military. 

I am putting Consumer Financial on notice that someone has interfered in my personal life on a level that is of some concern. Wire tapping, eavesdropping and hacking of my personal accounts comes to mind and I have done everything humanly possible to cease these hackers.

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 2023-01-14
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Comenity took over from my XXXX XXXX XXXX account. they did not respond at all to my email about such transfer. no new card. i do not get regular mail on a timely manner. called after receiving finally opening my mail. statement had no account number and late fees had incurred. website felt sketchy to sign into. upon calling customer service they credited my late fee. i feel they had email and phone number to contact me directly. especially after they supposedly sent out a new card but never activated few months prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
This is an extension of my prior complaint. I receive a call from a pushy inconsiderate staff member from Chase Card Services Executive Office today XXXX XXXX 2018, regarding my complaint XXXX

The gentleman miss represented the amount of money I had been refunded said it was over {$1200.00} on {$1900.00} of interest. Then told me to cash the check for {$600.00} chase sent me, it was an inducement to trick me into closing the claim, saying it was my money " go ahead and cash it. '' I asked If I had a credit balance of {$600.00} still in my account and he said " umh, no! so he is basically not telling the truth about the refund the amount I actually received was XXXX XXXX   my account so I only received {$600.00}. A blatant lie.

He promised an itemized response detailing in excess of {$1200.00} of interest charges which I have not received from him. I am in possession, but will not cash the check because Chase took advantage of me by not sending statements and charging excessive fees on revolving interest.

The call was recorded and he can furnish the recording. He also suggested that when cards get issued they automatically withdraw the minimum about due not the total amount due which I always pay. I thought I was set up for full payments not sure how this didn't take.

I hope you will further investigate this matter. It seemed that the person who called from the Chase executive offices wanted me to say I was done with the matter by pressuring me to suggest this at the end of the conversation.

I am not done until I get fair treatment by Chase. I am still awaiting proof that I did indeed get in excess of {$1200.00} of interest returned on the {$1900.00} of interest I paid due to their deceptive billing practices ( they sent the statements to my attorney I am not represented and didn't send me paper statements for months.

I found the call inconsiderate as I was having lunch with a client and high pressure to close the man never respected the appropriateness of his call timing and could not confirm that {$1200.00} of the interest was in fact returned. with the annual fee that occurred when I had this matter roll over for months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows my address : there should only be one. 
Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached a recent copy of my ( Bank statement, utility bill, ) for your verification.

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 2021-06-14
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation