BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-30
Company: Direct Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the previous written letter, the unverified item listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

DIRECTRECOV ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2017 Balance : {$6800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the report active is inaccurate, and date last reported is inaccurate. This ground for removal also violated my rights under.

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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX Experian

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 2023-05-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I found fraud on my business checking account on XX/XX/XXXX and called Chase to make the report. On this date I found numerous fraudulent activity that began on XX/XX/XXXX. I only learned about the activity when one of my legitimate checks was returned. I identified all of the fraud to the Fraud Dept personnel on XX/XX/XXXX. I was told I would get a letter and I had to fax or mail back within a few days. I found a letter in my online account on XX/XX/XXXX, I went to a Chase branch and had them fax back my response on XX/XX/XXXX. They have put me off with various stories and finally told me they were not paying my claim. I talked to another bank and learned that ACH Debits had to be reported within 24 hours on a banking account. I was never contacted by Chase for any of fraudulent checks or ACH Debits. I was shocked they did not notify me or block my account when they first started seeing the fraud in XXXX. The first ACH debit XXXX and XXXX on XX/XX/XXXX, the next was to XXXX XXXX  for {$690.00} on XX/XX/XXXX, the next ACH Debit was to XXXX  on XX/XX/XXXX for {$600.00}, the next was XXXX to XXXX XXXX for {$2100.00}, next was on XX/XX/XXXX to XXXX XXXX for {$3000.00} and {$1800.00} to XXXX XXXX XXXX on XX/XX/XXXX. It would seem to me that they can trace back whose accounts these payments were made to but nothing. The checks that were fraud happened on XX/XX/XXXX, XXXX and Chase did put those monies back into my account. Never once did Chase block or close my account or contact me about any of the fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-04
Company: WELLS FARGO & COMPANY
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:
I had lost my job in 2015 and had picked up two more jobs to help pay for living expenses and the mortgage on my families home. They didnt pay enough and I had to dip into my savings until it was close to running out and I had reached out to Wells Fargo to let them know what my financial situation was like and that I was still looking for openings in my career with no luck while still working other jobs. They put me on a plan where I pay less but they counted it as missed payments. I was being proactive and worked hard and eventually payed off the amount they continued to add that I didnt pay them. And then was able to keep up with payments the following year until we finally sold the home. I feel that the hits to my XXXX  score dont reflect what the situation was and doesnt reflect me and my financial responsibility. I would like to have my XXXX score increased and not show the derogatory remarks given the circumstance. Which will hinder me for another three more years. For losing my job. I feel that I am as responsible as they come and proactive as they come and my XXXX score is not really giving lenders a true picture of my ability to pay them.

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 2018-08-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2018, I applied for a loan modification with my servicer Bayview Loan Servicing. I was advised after the paperwork was submitted that the " single point of contact '' or " relationship manager '' had changed and therefore I had to resubmit all of the paperwork. By the time I was advised of this, and the paperwork was resent ( XX/XX/2018 ) I was advised that my request for a loan modification could not be reviewed as they ( Bayview ) had set a foreclosure sale date for XX/XX/2018. Although the documents were resubmitted again last week ( XX/XX/2018 ), I fear that no one will acknowledge receipt of the documents nor review my request. 

I feel I have stable enough income to pursue a loan modification, and I am even willing to sell the property should a loan modification not work out. I am, however, upset that Bayview will not work with me to try to keep my home or work out a solution when I have been very transparent with them about my hardship and have complied with any/all requests for documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I received a correspondence from SLS dated XX/XX/XXXX that our account was in potential or existing default and a case manager had been assigned. I immediately contact SLS who stated the letter was sent in error. Another customer with a similar address should have received the letter. I asked for something in writing stating the correspondence was sent in error and told the rep could not do that but the account was noted. A week or so later, we received an additional letter, also dated XX/XX/XXXX, again stating that we requested mortgage assistance and our house was being sold via short sale. I immediately contacted SLS and again told this was sent in error. Our account was noted on XX/XX/XXXX that the letters were inaccurate but not from my original call a week or two prior. Again I requested something in writing stating this letter was inaccurate, especially because this was the second correspondence stating we wherein default and our home was being sold. I was told they would not and could not provide me with anything of the sort which at this point is unacceptable. 

We have never been late on one mortgage payment and feel are being targeted and penalized by what we can only assume is a predatory loan servicer/lender to try and take our home.

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 2023-10-09
Company: EQUIFAX, INC.
State: FL
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:
Upon reviewing my updated credit report today, I felt so disappointed seeing those same inconsistent, incorrect and misleading entries that XXXX XXXX agencies has furnished on my files. I am requesting an immediate DELETION on these inaccurate accounts that these companies has added to the list of my credit history, as soon as they get to read this complaint and my letters. 

XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been filing complaints with this company for months now and I have yet to receive a response about my credit report. I require a full investigation as to why I have not as so much gotten an email about my complaint on these companies who has reported wrong information on my credit report. My credit report has different addresses that are false and I have not resided, therefore these account below are not associated with me. 
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 2021-09-30
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately 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 2022-11-24
Company: Experian Information Solutions Inc.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 intormation An other adverse Item of information. other than records or convictions or crimes which antedates the reoort ov more than seven vears 15 U.S.C. 1681s-2 ( A 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency iif the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-04
Company: EQUIFAX, INC.
State: CA
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 REPORTER ACT XXXX  ACCOUNT NUMBER XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 REPORTER ACT XXXX  ACCOUNT NUMBER XXXX XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR 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 2020-11-22
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
As of this date I have not received my XXXX from Nelnet, a student loan servicing company. My loans were discharged by Nelnet in XXXX XXXX. I have reached out twice by phone to Nelnet 's XXXX section on Monday the XXXX of XXXX XXXX and was told that " Upper level management was researching if I would get a XXXX for discharge of federal loans. I asked when a decision would be made and was told it would take some time. I asked for a return call to keep me informed and was told not to expect one. On the second time I reached out to Nelnet 's XXXX section I was also told that " Upper level management was researching if I would get a XXXX for discharge of loans and that Nelnet would access my credit from XXXX credit reporting agencies before any decision would be made. In light of the fact that Nelnet intends to " hit '' my credit again, I have not attached the credit reports as they will be outdated by the time Nelnet has accessed them again. Nelnet has continuously reported inaccurate information to these agencies and there is no reason, other than retaliation for my initial CFPB complaint for the mismanagement in servicing of my federal student loans and mismanagement of the XXXX discharge process and for reporting their inaccurate information targeting my credit in a most detrimental manner to credit reporting agencies. ( Seee CFPB complaint # XXXX ). I have alerted XXXX today to place a freeze on my account to prevent further damage from Nelnet. I will contact XXXX and XXXX as well. My questions for Nelnet are : Why is Nelnet tampering with my credit ( pulling credit reports during the ongoing initial complaint which will be formally addressed ) and what legal and legitimate purposes was it initially used for and for what future purposes would another " pull '' be deemed appropriate and necessary? What is Nelnet going to do to demonstrate in writng to all credit reporting agencies, to me and the CFPB that Nelnet has corrected all erroneous information from any credit reporting agency they have reported to? Secondly, Nelnet, is there a XXXX for the discharge of these loans? If there is, where is it and why must my credit be subjected to another around of " pulls '' before a decision can be made about the in question XXXX and when can I expect to receive it in the mail?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Team, Please check the items from my Identity Theft report because I do not recognize them. I have never had anything with these companies and I do not know the origins of those items. Definitely I can say that they are not mine therefore please investigate and remove them from my report. 

Thank you in advance

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 2019-11-20
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Please be advised that as of this writing and despite my repeated telephone requests to Freedom Mortgage for resolution, Homeowner 's Insurance for the above referenced property is expiring retroactive to XX/XX/19 for Freedom Mortgage 's failure to pay the required premium by XX/XX/19 as notified in attachment. We will therefore be without coverage as a result of Freedom Mortgage 's failure to pay in our behalf despite repeated requests and adequate funds in our escrow account for payment of such. In light of this and previous failures by Freedom Mortgage to execute their responsibilities in harmony with RESPA and TILA directives, I also submitted a Qualified Written Request and Notice of Error after multiple failed telephone requests in the past 30 days to correct this error and issue timely payment as requested by the Insurer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
As a client of XXXX by XXXX XXXX, I participated in the referral program whereby inviting a friend to open an account earned me an additional percentage point in APY rate in my saving account. 

Want to earn an additional 1.00 % APY on your XXXX XXXX account? Here 's how! 
With XXXX Referred our rate-boosting referral program current and new customers can get a rate bonus on our Online Saving Account for 3 months My friend opened a new CD account, using the link that I sent him on XX/XX/23, therefore he doesn't earn the bonus, but I did, because I referred him. 

The bank has refused to apply the bonus to my account, I have tried several times to have the bonus applied to me through XXXX support, and the request has been ignored. 

At some moment they told me through the support chat that the person named I referred ( AR ) had to contact them and request the manual application of the code because the link with which the account was opened had not been applied correctly or automatically. 

My friend spoke via support chat receiving multiple refusals to apply the bonus to the person who had referred him, because he opened a CD and not a saving account. 
My friend called support and his request was repeatedly denied. 

I request that this action be investigated in accordance with the regulations set forth by XXXX in his application which I share below : XXXX by XXXX XXXX Referral Program Terms Existing Customers As an existing XXXX deposits customer, you can receive a promotional XXXX Referred Rate ( defined below ) on all of your XXXX XXXX Savings Account ( s ) ( each an OSA ) after a New Customer ( defined below ) opens a new OSA or Certificate of Deposit ( CD ) using your unique referral link ( a Successful Referral ). Adding a joint owner to an existing OSA will not count as a Successful Referral. Your unique referral link will be accessible in the XXXX Referred Center. You can access the XXXX Referred Center by logging in and selecting XXXX Referred in the menu at the upper right corner of any page.

Company response to consumer: Closed with explanation