BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-28
Company: JPMORGAN CHASE & CO.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Car repossessed on XX/XX/2018 for a back due amount of {$650.00}. I missed one payment and the next lease payment was due. I had some problems making the lease payments in the past on time due to some financial issues I was having but they were always made often with me paying a late fee. Chase never once tried to work with me to come up with a plan that could work for both of us. I received a certified letter on a Friday and they repossessed the car on Monday. The calls I did make to Chase were often handle by rude, abrupt customer service representatives. I did file a complaint with the attorney general of Pennsylvania but they were unable to help. l

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: Experian Information Solutions 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: 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 need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$1.00} XXXX XXXX XXXXXXXX Balance : {$3.00} XXXX XXXX Balance : {$340.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$130.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2023-10-26
Company: EQUIFAX, INC.
State: NC
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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS SECURCRED Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CAPITALONE Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This letter is being sent today in order to formally contest some errors found on the credit report. Some discrepancies were discovered during a recent review of the credit report, which has caused my credit score to suffer. 

A prompt response to look into these inconsistencies and make the necessary corrections is expected given how serious this problem is. The credit system is made to accurately reflect consumers ' financial circumstances. However, the appearance of these errors raises concerns about the efficiency of that system. 

Dealing with these errors is difficult despite efforts to keep finances in order. It is doubtful whether this important financial document is accurate, which could have an impact on future financial decisions and the credit score. The potential effects of a system-generated report on one 's financial situation demand serious consideration. 

The seriousness of the situation is highlighted in light of the current circumstances, and an immediate conclusion to this dispute is urged. We need your help to solve this problem and deliver a credit report that accurately reflects fiscal responsibility. 

A timely response to this important matter is desired. A correct credit report can be obtained with your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I got an inquiry from XXXX  XXXX  and from citizens bank thats not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: AMERISAVE MORTGAGE CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage with AmeriSave Mortgage on XX/XX/XXXX. During a discussion on XX/XX/XXXX with the Loan Originator, XXXX XXXX, I was told that AmeriSave needed a deposit of {$500.00}. as a processing fee. I questioned the deposit and was informed that it would be credited at closing and that I have been pre-approved. With that information, I paid the deposit. During the following weeks, I submitted all the required documents as requested. After receiving an approval in writing on AmeriSave.com, on XX/XX/XXXX I discussed the closing date with XXXX XXXX. He informed me that the rate of 2 % is locked and the Discount ( fees ) are {$7400.00}. I questioned the fees as he had previously informed me that the fees for a 2 % mortgage would be {$6600.00} less a lender credit of {$1700.00} for a total of {$4900.00}. He said that sometimes fees change, however, he would request an exemption from his manager. I was told that the exemption would be approved with our credit rating and would have an answer in 24-48 hours. Having received no information on the exemption, the following week, I made several phone calls and sent an email on XX/XX/XXXX which were never returned. I continue to receive occasional robo emails from AmeriSave that I have responded to with no response from the company. 
This appears to be a scam. I am requesting return of the {$500.00} processing fee.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2019, I navigated to " XXXX '' to get by free annual credit report. I had no issues with XXXX or XXXX but when I tried getting my report from Equifax I was asked security questions which were all non-relevant to my credit history. I had to answer " NA '' for all these questions and as a result, Equifax denied to show me my credit report. I then tried for a 2nd and 3rd time and was faced with the same issue, non-related security questions. I believe Equifax is intentionally denying me access to my annual credit report because they want me to pay. I would like this fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I rented a van from XXXX for two days XX/XX/2018 to XX/XX/2018 using my Bank of America XXXX XXXX Visa XXXX ... XXXX. XXXX XXXX XXXX as a primary coverage for the XX/XX/XXXX rental car and all this agree and documented before I rent the car. On the morning of XX/XX/2018 I was returning the van to XXXX about 10 minutes a way from XXXX I felt some kind of winds kind of lost control of the van, but eventually went of the road manage to control it. However, the van got some damage and it has to be towed. On the day of the incident I paid XXXX the amount of {$170.00} for the two day rental and {$500.00} as reimbursement by XXXX XXXX XX/XX/XXXX when the damage of the estimate is complete. I contact to XXXX XXXX XX/XX/XXXX on the day of the incident with XX/XX/XXXXmanager and provide me information to open the claim. I opened the claim and provide all the document enterprise provide me and XXXX XXXX XXXX requested through the claim. XX/XX/XXXX request to be paid total {$6300.00} for the damage and then after everything completed XXXX XXXX denied my claim three times. I contact Bank of America about this issue and I did join conference call with XXXX XXXX XXXX and Bank of America, but they did nothing only talk. Since XXXX XXXX XXXX denied my claim XXXX sent the bills to me they wouldn't even give me a chance until I resolve the issue. I'm just a service member I don't have that much money and I contact law farms and other legal departments, they refer me to you and I'm hoping someone from this department can help me. Now XXXX sent it to collections because I couldn't paid off by know and its damaging my credits and its causing me a great deal of stress. Please help me and need justice.

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 2023-09-27
Company: EQUIFAX, INC.
State: TX
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2019 my Federal student loans were discharged due to XXXX ( XXXX XXXX XXXX ). Despite several calls to Navient to see what my options were for a total permanent XXXX discharge. Navient refused to discuss the matter or offer any assistance. I researched everything on line myself, submitted the application and physician certification. Navient was NOT helpful at all, On XX/XX/2019 I contacted Navient, my student loan servicer, to discuss what steps I needed to take regarding a private student loan that they are servicing now that the Federal loans had been discharged. 
The loan was taken out as a XXXX XXXX loan in the amount of {$5000.00}. The loan is now at {$12000.00}. I understand the XXXX XXXX follows the Federal discharge process and that private loans will be discharged once the Federal loans are discharged. 
I asked Navient what the options were for discharge and they told me that I would need to submit a " separate form '' for discharge. The " separate form '' is not available on their website and they refuse to email it to me citing " corporate policy ''. The representative said the form would be mailed. I have called twice to follow up and still have no form. 
I have provided my physician certificate affirming XXXX to Navient electronically and via USPS. I have received no acknowledgment of their receipt. Navient is still collecting on the debt, still calling me, and still accruing interest and late fees. 
Today the Navient representative told me that my loan was not a Sallie Mae loan and is not eligible for discharge. How can this be when the lender was Sallie Mae? 
I am so concerned because I am reading disturbing things about Navient online. I want to have my private Sallie Mae loan discharged via XXXX but Navient seems unwilling or unable to assist me. Something is very wrong with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: FULTON FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contact Fulton Mortgage  on XX/XX/2023 and spoke to a representative ( XXXX ) to inquire why we were still paying PMI on our mortgage. Our mortgage balance is {$170000.00}. The amount of the loan was for {$240000.00}. The cost of the home was {$250000.00}. We have been paying extra principal on the balance and are current with our payments. I asked if there was something I was doing incorrectly with my calculations because the percentage seemed well below 80 % and 78 %. The representative agreed and placed a " task '' on our account and sent it forward to be evaluated. 

On XX/XX/XXXX, XXXX called back with the instructions to write a letter with my request for PMI cancellation and to email it to XXXX. I complied on XX/XX/XXXX. 

It has been XXXX week with no response from Fulton Mortgage. Before our next payment, due XX/XX/XXXX, I would like to know if there is a reason for the PMI payments to continue, if they were to be legally cancelled previously, and if we paid more PMI than we had to, how we are to be refunded for those payments.

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 2021-02-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
11. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

12. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
13. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ). I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX, CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has not been able to provide an Equifax report on me since late year XXXX. Have called and spoke to numerous customer service representatives CSRs at Equifax to resolve their problem. I have sent multiple times via trackable mail copies of my Florida Driver License and Social Security Card along with recent bill showing address same as Driver License. Mailing these items to Equifax seems to not do anything on their end expect prompt their customer service representatives CSRsto tell me that they are not sure why identification verification is needed. The CSRs then proceed to tell me that I don't have a file with Equifax or that my file has been split and they are not able to rectify. At this time I am in the process of obtaining a mortgage and the companies require all three credit bureaus to supply their reports and scores. Equifax has yet to provide a solution to their problem. I have had in the past an Equifax report since at least XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: CT
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:
Upon receiving my credit report from all three bureaus, including XXXX, Equifax and XXXX I have noticed incorrect reporting. The first reporting on my credit report that is considered fraud would be a collection from XXXX ( XXXX XXXX XXXX  ) in the amount of {$110000.00}. The second incorrect filing on my report would be from XXXX XXXX XXXX XXXX XXXX ) in the amount of {$1100.00}. The third incorrect filing is from XXXX XXXX XXXX  in the amount of {$880.00}. Regarding the 3 incorrect filings listed above I have contacted both the service providers as well as XXXX, Equifax and XXXX to dispute the filings. I have also reported the incorrect filings to ( IdentityTheft.gov )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00}

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