BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Equifax on XX/XX/2023, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I live in an area that was a federally declared disaster area because of hurricane Irma. After the hurricane, my mortgage company told me that I could defer payment of the mortgage for 3 months ( until XX/XX/XXXX ) since I was recovering from the hurricane and that the deferred payments would be placed at the back of my loan. At the end of the 3 months, when I contacted the mortgage company, they told me that the program was extended for an additional 3 months ( until XX/XX/XXXX ). In XX/XX/XXXX, I was told that the loan would be modified and the deferred payments would be placed at the back of the loan. I contacted the mortgage company in XX/XX/XXXX to find out what the process was for modification ; I was told to send in multiple documents which I did. After submitting all the required documentation, I checked the status of my modification online every day for the next month. I called on numerous occasions to inquire about the status of the modification and to inquire about the payment. I was told that they were working on the modification. I was told not to send in a payment for XX/XX/XXXX because it would be rolled up into the modification. In XX/XX/XXXX, I was told that my modification was denied because the payment would go up from approximately $ 2000/month to approximately $ 2120/month and that they were not allowed to modify a payment if it increased the payment. I was then told that I could get on a payment plan that would require me to pay approximately $ 4000/month for 6 months which could be extended another 6 months until my account was current, but that the denial was not complete and that they were still working on the modification. I received an email notification that there was a new document on the loan and when I logged into the website, I saw that there was a modification denial letter. I called back the mortgage company to inquire about the payment plan again since the modification had been completely denied and I was told that I am not eligible for the payment plan any longer because they had sent out a demand letter for the total monies past due on the loan which is {$16000.00} within 30 days. I told that mortgage company that I do not have the money and I would not have it within 30 days. I asked what would happen if I didn't pay it in the 30 days and the mortgage company told me that they would foreclose the very next day and sell my house. I can not lose my house because I am a single mother of XXXX and I am caring for my sick mother as well who is on XXXX. I really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions 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 ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX OF XXXX XX/XX/2022 ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$940.00}.

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
Consumer complaint received 2023-10-20
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Had a Chase Sapphire Reserve card with {$550.00} annual fee. Called to close the account in XXXX. Life goes on. This month in XXXX, I saw a balance of {$550.00} and was shocked to realize that Chase has been charging me {$550.00} annual fee for 3 years without a single inactivity since XXXXXXXX The total fee accessed post my phone call to close the account in XXXX is {$1500.00}. It would amount to {$2100.00} if I didn't happen to check in an XXXX. They have since closed the account but refused to refund the fees. 

I checked my online bank only periodically and have autopay set up for this card. The fee is accessed in XXXX and there is no paper statement. Chase kept all closed accounts also visible for online banking, which is very confusing. If I don't check in an XXXX, I see {$0.00} balance and didn't know this card is still open. 

In my opinion, this is borderlining predatory lending. For such a high fee to be charged repeatedly without not a simple activity year after year. What is the possible reason for customers to be willing to pay the fee with usage of any benefits? Clearly customers do not know they still have the card. They decided to leave the account open so that they can continue to charge fees. Called Chase and they told me there is nothing they can do to waive these fees. 

There is also an inconsistency in their policy. I have a different Chase card with {$95.00} annual fee and that account is closed after 12 months of inactivity, which is the responsible way of handling these situations. 

Would like to make a complaint. With Biden administration doing the right thing cracking down junk fees & predatory fee practices, this is a good example of a large bank exploiting customers of {$1500.00} in fees! And being inconsistent in their fee policy. 

Please let me know if there is anything I can do to get the charged fees back. In this economy, certainly need it back to make ends meet. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: First Service Residential, Nevada, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Date : XX/XX/XXXX Amount : XXXX ( Increasing every week ) Collector : Red Rock Financial Services at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ( The HOA of a house the debtor owns ) XXXX XXXX and registered agent for the HOA : Firstservice Residential Nevada LLC at XXXX XXXX XXXX XXXX XXXX, NV XXXX Tel : XXXX Red Rock tries to collect a debt of {$5300.00} ( up to XX/XX/XXXX ) for the HOA, This amount includes : {$4800.00} fine for 2 violations, {$100.00} for Fine of Pre-Collection Notice ; {$200.00} for collection cost ; {$160.00} for intent to lien letter ; {$50.00} Late Charge, etc. 

We dispute the debt because neither we or our property management ( XXXX  ) ever received any communications regarding the violations or the fines until the collection letters arrived us on XX/XX/XXXX ( Seems they do have our correct address ). We requested a ledger of our account and the citations on the same day. We received a ledger on XX/XX/XXXX but not the citations yet. It is not fair they never send us any monthly, or yearly statements while we pay the dues on the first day of each month electronically since we bought the house in XXXX. Never miss a payment. It seems unbelievable that they would not at first attempt to contact us the owners prior to transferring the debt to a collection agency. They were not fair, careless and negligent. 

If they have inform XXXX or us regarding the citations, we could have corrected the problems in time. XXXX  has a dedicated person to handle all the HOA matters. If we got a copy of citation, we would forward to XXXX  and follow up the matter. XXXX  supposes to sent them a copy of the lease for their record, whenever a new lease is signed, 3 leases has been sent since XX/XX/XXXX, so they should have XXXX 's contact as well. 

Thank you very for reading this and please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: GA
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:
Please remove all hard inquiries off my Equifax credit report, I do not recognize these inquiries and I want them removed, j will continue to file complaints until these are removed, I am disputing these as fraud, please remove all hard inquiries on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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:
I disputed this collection in XXXX via the CFPB portal and it was marked as verified, and yet despite my efforts this account is showing Account not Disputed. In the remarks, it shows dispute resolved My efforts have not been taken serious and I am demanding this account be removed. Transunion has failed to update to reflect their so called investigation and did not conduct a fair an accurate investigation. 

This is a major violation that I will be reporting to the FTC if this is not removed. I have been disputing this since XX/XX/2023.

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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 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 2021-10-05
Company: AmerAssist A/R Solutions, Inc.
State: MD
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:
On XX/XX/XXXX, I spoke with XXXX XXXX to pay my account balance of {$700.00} to Amerassist AR Solutions debt collection agency. I asked that the account be reported to the credit bureaus as removed/ deleted since I was paying the balance in full. XXXX XXXX agreed and told me Id receive a letter of receipt for the transaction with the removal as well. I was alarmed after waiting until XXXX to see, the change to my credit report hadnt been made. I reached out to Amerassist AR Solutions debt collection agency on XX/XX/XXXX & spoke with Ms. XXXX XXXX again, I asked why hadnt the account been reported as removed/ deleted & she asked to place me on a brief hold, that eventually sent me to voicemail. I called the company back and then spoke with Ms.XXXX she told me, Id have to wire the payment through my bank in order for the account to be removed from my credit report. Also was told, Id have to cancel the payment that was made back on XX/XX/XXXX and start all over again. Once payment is wired, funds are received immediately, and that will then remove the collection from my credit report. I went back over everything she said to me, and informed Ms.XXXX that it was unfair to me, because XXXX never mentioned any of that information, when I asked to have the account reported to the credit bureaus as removed/ deleted. Ms.XXXX abruptly asked to place me on a hold. I called my bank ( XXXX XXXX ) and asked the banker to stay on the call as a witness to what I had been experiencing. The banker and I were both on hold & sent to voicemail again. The banker placed a dispute on my account for the {$700.00} transaction to Amerassist AR Solutions debt collection agency & she then sent me an email to reach out to to XXXX and XXXX. XXXX rep XXXX helped me a lot by listening to what happened to me & placed a dispute. As of today, XX/XX/XXXX I still have not seen a change to my credit report with this matter, so I reached back out toXXXX and was told by rep XXXX Amerassist AR Solutions debt collection agency had responded with a letter validating the transaction. However, that letter did not include the removal/ deletion for the account that I requested for, when I made the transaction with the debt collection agency. XXXX then gave me the information to contact the CFPB and I had the pleasure of speaking with representative XXXX, who walked me through my next step to complain about Amerassist AR Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: FinCo Services Inc DBA Current
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received an email asking for my Social Security number, photo of my ID and mailing address on XX/XX/2023. I verified this was a legitimate request through the customer service via the Current banking app, and provided the information. I received another email stating that my account was closed and would not be able to access the funds in said account, stating that they dont generally provide specifics related to the difficult decision to close your account and are unable to release any remaining funds on your suspended Current account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Orion Capital Solutions LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a voicemail on my cell phone on XX/XX/21 from a XXXX with Orion Capital Solutions. I called back and XXXX was not available to but the lady who answered said she could help me. She confirmed only my name and birthday before telling me that I have $ 700+ debt with XXXX and XXXX. I explained to her that I've never purchased anything from either of those companies but I have been the recent victim of identity theft and have my FTC Identity Theft report and police report available. She insisted that it doesn't matter because it must be someone I know because no one would make payments on a debt if using a stolen identity. I told her I don't know who it was, but I was a victim of identity theft and I can provide documentation. She continued to insist that " since its attached to your name and your social you're responsible for it no matter if it was you, someone you know, or identity theft ''. She was rude and very disrespectful. She gave me an email address that is not mine, she gave me a mans name associated with the email address that I did not know. I asked her if she had anything she could send me because this debt is not mine. She got rude then and kept interrupting. Eventually I told her either send me debt validation or stop calling me. 

About 5 minutes later I get a call from my EX mother-in-law saying they called her to ask where I am and told her I'm in trouble with the law. They GAVE HER my name, DOB, and last 4 of my SSN. As soon as I hung up with my mother in law my dad called me and said he had a voicemail from this place saying they are tracking me and need to know where I am. This is all AFTER I already spoke with them. I don't know who they are but they should not be giving my personal information out to anyone they find in a phone book. And they should be taking a FTC Identity Theft and Police Report seriously not telling me that because she thinks she knows how criminals work, that she's judge and jury on whether or not this was identity theft.

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 2023-01-04
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 received your response XXXX XX/XX/XXXX that you need my updated email address which is XXXX. I sent a complaint on XX/XX/XXXX to remove Accounts : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$2300.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$4600.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7900.00} that is UNKNOWN to me . I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints. I am including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Checking over my Credit Report & I have noticed that there are quite a few bankruptcy accounts that should not been on my report. I have mailed TransUnion XXXX  XXXX  & other third parties like XXXX XXXX regarding reporting this inaccurate information in response they gave me the run around with little to no information to say something is validated. So I contacted the the bankruptcy court itself & here is statement showing that they do not report or share information with creditors or bureaus. So please remove these bankruptcies & the accounts attached to them now! 


Accounts included : XXXX XXXX XXXX ( 4 ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records ( 2 ) accounts

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 2022-04-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: JPMORGAN CHASE & CO.
State: MN
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:
The Fair Credit Reporting Act, 15 USC 1681 section 602 a, explicitly states that consumer reporting agencies must treat their duties with 'fairness, impartiality, and a respect for the consumer 's right to privacy. ' As the Consumer, it is my right to ensure that my private information is not shared, as supported by 15 USC 6801, which outlines each financial institution 's obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information. 

Under 15 USC 1681 section 604 a section 2, 'any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' I have not given my written consent for JPMCB CARD SERVICE, XXXX, and XXXX, to share my information. Any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that 'a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' JPMCB CARD SERVICE never informed me of my right to opt-out of information sharing. 

XXXX and XXXX 's reporting practices violate multiple sections of the Fair Credit Reporting Act, including 15 USC 1681C ( a ) ( 5 ), which stipulates that no consumer reporting agency may include any adverse information without the consumer 's permission. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the sharing of inaccurate information, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures. 

I am exercising my right to opt-out of JPMCB CARD SERVICE reporting services, per 12 CFR 1016.7. This reporting agency has not demonstrated reasonable procedures and is failing to uphold the Fair Credit Reporting Act. Therefore, I object to the continued sharing of my personal information.

Company response to consumer: Closed with non-monetary relief