BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-25
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit card account with JPM Chase was opened XXXX XXXX, XXXX XXXX. I set up automatic payments with the company. Everything was fine until around XX/XX/XXXX when I told Chase, via phone, that my bank account on file experience fraud and I had to change the payment account with Chase to another due to this. We changed the payment account over the phone. The next payment was never taken out of my new account. Chase kept on trying to take it out of my old account. I did not realize this because they never called me and I set up auto pay with my new account. It took a while for me to realize it. This is when they closed my account in XX/XX/XXXX. I would like to have the charge off and closed account removed from my credit because this is the fault of Chase. I've reached out to Chase several time throughout the years and tried disputing it with them and the bureaus so I turned for CFPB because no one would listen. I filed a police report and a report with XXXX XXXX. Chase should check their phone records to verify what I'm saying and remove this account from being reported to the 4 major credit bureau agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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: Information belongs to someone else

Complaint:
This is XXXX XXXX and I am submitting this Complaint with the help of the CFPB to dispute the fraudulent items I found being reported on my Credit File. Upon reviewing my records, I have come across several accounts and information that I am unfamiliar with and do not recognize as my own. While I am unsure whether this constitutes identity theft, I believe it is crucial to address these discrepancies promptly to ensure the accuracy and integrity of my credit profile. I kindly request the Credit Bureausr assistance in investigating and removing the following unauthorized accounts and information from my credit file : 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 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. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. It is my understanding that under section 605b of the Fair Credit Reporting Act ( FCRA ), it is the Credit Bureausr legal obligation to ensure that any unauthorized and unfamiliar accounts and information are promptly removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is actually a YES and NO answer, because today, Monday XX/XX/XXXX I did speak to someone the Fraud Retail Services Department at Wells Fargo about a XXXX XXXX credit card that I recieved in the mail Saturday XX/XX/XXXX. Charges for over {$3000.00} were made on that card. This is a different Wells Fargo account I am reporting now. In today 's mail I recieved yet another Wells Fargo store card for XXXX XXXX. This card shows an {$8000.00} credit limit. Because I opened my mail after business hours I won't be able to contct Wells Fargo again until Tuesday morning 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 2023-05-25
Company: Experian Information Solutions Inc.
State: NE
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus 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 items 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 and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This mortgage was modified some time back. It was transferred in XXXX of XXXX to Nationstar Mortgage for loan servicing. There were some '' lender paid expenses '' apparently sent with the loan servicing from the Modification. Every month since XXXX of XXXX, Nationstar, the new loan servicer, keeps taking part of my normal payment and apply towards these " fees '' instead of to my mortgage payment. 
( I was told that these fees can not be collected up front, if XXXX did not actually roll them into the modification balance that I signed for, they could be collected when we either sold the property or refinanced it ) Every month They keep taking monies from my monthly payment, then reversing it, then adding it again.. 
Now they have sent me back a check, copy imaged in for {$940.00} because they took XXXX applied towards Lender Paid Expenses, again Now I am behind again and they told me today, that I owed another XXXX with the XXXX check I have returned from them to Complete my XXXX XXXX XXXX payment/

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was offered a settlement with Citibank who uses XXXX XXXX XXXX XXXX. I made all my payments that were required on the account. I called the agent and told them that the checking account was closed and not to send any future automatic payments. 
I mailed a check to them in lieu of automatic payment. They cashed the check. I called them and they said my debt was paid in full. In the first letter I received it states I still owe them XXXX. I can pay this. Prior to this letter I received, I was not aware of this. 

Then all of a sudden, I get sold to some NEW COLLECTION AGENCY which is making me a new offer, which is crazy because I only owe them XXXX. I need help in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2021-12-14
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent Regional Acceptance Corporation a letter asking for validation of the debt that I allegedly owe. I received a response letter stating that they would not conduct an investigation because they feel the letter they received from me came from a credit repair agency or was prepared and given to me by a credit repair agency.

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 2023-05-28
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:
Someone stole my identity and I have submitted disputes with XXXX and XXXX and Transunion and XXXX is still reporting wrong. I have asked them to update this information and delete these accounts from my credit report. They have failed to do so. Transunion has not updated my credit inquiries as well. They are reporting the wrong information on my credit report as well as payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: AL
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:
Laws you violated.

Upon checking my Account again the items listed below have not been handled correctly per Law.

Violation 1.

15 U.S.C 1681 ( c ) ( 5 ) these are adverse items on my credit report and I demand that you remove them.

Violation 2.

15 U.S.C 1681 ( e ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy. I have through previous letters provided proof of the inaccuracy of the Date opened, payment status, last reported, and date last active, and date of last reported. You refuse to remove or correct the erroneous report. 

Violation 3.

15 U.S.C 1681i After re-investigation and proof of inaccuracy you did not delete the items as per law. When an item is found to be inaccurate or incomplete or can not be verified you shall delete it.

Violation 4.

15 U.S.C 1681 ( B ) You are to provide contents in writing of the results of the reinvestigation, description of the procedure used to determine the accuracy etc. None of this was provided.

Violation 5.

15 U.S.C 1681l Violation 6.

15 U.S.C 1681n I never gave permissible purposes.

Violation 7.

Negligence to comply with the laws of inaccurate items.

Violation 8.

15 U.S.C 1681q Obtaining my information under false pretense.

I have sent previous letters to you stating your wrongdoings. I demand you remove these accounts from my credit report immediately or I will file litigation and Lost damages.

According to my research 15 U.S.C 1681, I have a right to accuracy and fairness when it comes to my credit report and thus far this LAW has been violated. You refuse to remove this negative Item from my credit report and obey the law. Also, according to 15 U.S.C 1681 ( h ), this has been another violation of invasion of privacy because I never gave XXXX the authorization to report anything in the first place. Another violation is defamation to me and my family by reporting false information that is not being reported. This act is has damaged my reputation and is causing me to get denied from moving forward with my life. It is also, a violation of 15 U.S.C 1681, because of negligence for not doing a proper investigation. It has brought major emotional distress to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
From the beginning of the pandemic we asked for help. We originally had a loan modification with this company that we asked to be extended because of the pandemic. We actually got XXXX involved but they seemed not to be able to help. We were given a pandemic forebearance where we were told that either we did not have to pay anything or pay what we could. We chose the latter. It was needed because as a XXXX, my wife 's hours had been cut and as a coach and aide my season was cut out and our XXXX building was closed. 
With the pandemic starting to wane, my wife will be getting a raise, and my season is on and once I recover from an incident that was life threatening, I can get back in to the building. I also understand that the company in question settled a lawsuit with my state ( CONNECTICUT ) and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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:
XXXX XXXX XXXX Balance details Paid off - Balance - Balance updated - Original balance {$23000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/2021 Account type Auto Loan Payment summary XXXX  XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - PAYMENT HISTORY XXXX  Status Paid, Closed/Never late. 
Status updated XX/XX/2021 Original balance {$23000.00} Monthly payment - Last payment date XX/XX/2021 Additional info Responsibility Individual Terms 72 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, MI XXXX Phone number By mail only THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I got approved for HAmp modification and partial claim. 
XXXX trial period they stated was for 4 months from XXXX/XXXX/2015 thru XXXX/XXXX/2015 but, pmnt wa XXXX $ XXXXper month. problem was they continued to leave the normal pmnt of {$1400.00} per month and this diference of {$220.00} was going to be put on my credit as 30 days late based on the 4 months trial period I would have been late 120 days late. I discussed it with loss mitigation and they stated I could pay for the trial period up front and thee would not be any latenesses. 
Unfortunately Nations Star has done this to thousands of persons. I you are XXXX pmnt behind on your mortgage and request a modification under hamp that means your credit will reflect anywhere between XXXX pmnts late and that will result in a foreclosure plus all legal cost among other things. heavens knows how many forclosure they have created. nations Star is a servicer/collector and has been scaming people. 
They took my 4 months pmnt and never added my XXXX scrows to my account. then they added a interest of {$2000.00} XXXX and reverse it same date. 

My Hamo modification was approved in XXXX I paid trial period XXXX/XXXX/2015. 
I started so many emails to no avail same response and lies from the personel as well sttaing that they were part of scrow dept/lossmitigatiom/socialmedia/insurance/modification and mad ebeleive they would transfer you. 
On yanuary I even got anotgher Hamp modfication with a trial period from XXXX and interest of the same amount as the {$2000.00} that wa sreverse and added to my partial claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : 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 2018-08-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a court citation and I have no idea why, my name is wrong on the letter and I have to appear tomorrow

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 2016-01-23
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Nationstar mortgage services on mortgages are condoning identity theft, invalid mortgage paperwork, not answering questions according to respa, and providing answers without investigating, not listening to the customer, honoring documents that are copies or were never signed, copies provided to the form me and saying there legal. So far nationstar mortgage has provided a invalid original note deed of assignment, deed of trust, a invalid deed of trust provided to them by XXXX XXXX XXXX on a closed remic and assigned 9 years after the closure date. Provided invalid loan modification that was never signed by all parties, invalid amended and restated note, invalid power of attorney, and is not looking at any paperwork provided at all. the sale of this mortgage to XXXX is n't valid due to the fact that hud has no record of this loan and the remic it is not valid at all. So any resolution provided by them condones identity theft as they have shown. And why are the constantly changing there answers they tell the government one story and supply us with a totally different one with out investigating

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Experian Information Solutions Inc.
State: NC
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 contacted Experian via mail to verify the accuracy of an alleged bankruptcy listed on my credit report. Experian responded that the information was collected from XXXX and from the US Bankruptcy Court. I called Experian, and was too informed that the aggregator of public record information, specifically bankruptcies, for Experian is XXXX. Also Experian 's website lists XXXX as the source of all bankruptcy information listed on consumer reports. I pulled the copy of my credit report, provided to my by Experian and shocked to see that the SSN number listed for me was too incorrect. Appalled by the inaccuracy of this damaging information being reflected on my credit profile, I contacted XXXX. Upon investigation, XXXX deleted information from my consumer report, and therefore sent copies of their investigation findings from my consumer report to myself and Experian on XX/XX/2021. Experian 's reinvestigation came back as verified on XX/XX/2021. Experian directed me to contact the furnisher of the information from the public record source listed on my consumer report. Since Experian has thus changed the source used in their investigative findings, I also contacted the number listed on my Experian consumer report to verify the information that Experian received upon the completion of their investigation. The number listed on my consumer report for the US Bankruptcy Court is some person 's personal cell phone number. Being that is so, how was this information verified by Experian? In addition, every letter that I have sent Experian has the last four digits of my SSN number listed. How was this information verified if the number listed on my credit report is different than my SSN? I have sent multiple certified letters to Experian with my correct consumer identifiers to ensure of accuracy of myself, and so that Experian can too match this information to what they have on file in my consumer report. Section 611 ( 6 ) ( B ) ( iii ) of FCRA states that a description of the procedure used to determine the the accuracy and the completeness of the information shall be provided to the consumer by the agency including the business name, address and telephone number of such furnisher. Since this information can not be verified, the FCRA states that this information must be promptly deleted. I have highlighted the inaccuracies on my attached credit report that I received directly from Experian after their investigation.

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