BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: AMERICAN PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Months ago I inquired about Mortgage reprieve options, like adding a current payment to the end of your mortgage or refinancing, I was told they dont add a mortgage to the end of your loan but they have a forbearance program and asked me if they could explain it, I said sure, after hearing the info I said this is not what Im looking for, but you can send me information, I NEVER gave my consent to enter into forbearance & signed no paperwork for this!!!! I continued to pay my mortgage on time monthly!!!! Recently I go to purchase a home & they say my mortgage is in forbearance, I was furious as I never authorized this!!!! I asked my mortgage company to issue a Letter stating I was not or never had been in forbearance, the letter they issued said forbearance canceled this is UNACCEPTABLE because you cant cancel anything that wasnXXXX AUTHORIZED!!!!! I then asked for an addendum stating my mortgage was never in forbearance and this was a miss understanding on the behalf ofAmerican Pacific Mortgage! My deadline for this addendum is today XX/XX/22 and I was told repeatedly no one could help me until XX/XX/22, I was on the phone literally 8 hours trying to get the simple addendum I need to submit to my underwriting department, at the end of the horrible unproductive customer service, they left me on hold for 2 hours 28 minutes and 54 seconds! I then called back to only be told all managers are gone for the evening!!!! 
This is absolutely litigious & XXXX will purse that I asked for my recorded phone calls to be produced & they have not performed! 
I want a letter delivered to my email by XXXX am XX/XX/22 stating my loan was put in forbearance mistakenly by American Pacific Mortgage & a new letter reflecting that & stating my mortgage payments are in good standing!

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 2020-03-10
Company: The CBE Group, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am officially submitting a complaint with the CFPB against the CBE Group for multiple violations of the FDCPA. On XX/XX/2020 at XXXX XXXX  EST I was contacted by the CBE group. I had given notice that I was at work and they were prohibited from calling me at that time and only to contact me after XXXX Eastern Standard Time. At this point i was then contacted on XX/XX/2020 at XXXX Eastern Standard Time and also on XX/XX/2020 at XXXX Eastern Standard Time. There are two violations of the FDCPA the first on XX/XX/2020 and the second on XX/XX/2020. I am willing to not file suit for multiple violations of the FDCPA if the CBE Group agrees to cease and desist all collection activities for this alleged debt as well as the agreement to not sell or hand off the alleged debt to any further debt collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: AR
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX XXXX XXXX/XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; DPT EDXXXX XXXX Balance Owed XXXX {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX DPT ED/XXXX XXXX Balance Owed XXXX {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX : XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 XXXX  XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: The Aligned Company DBA Extra
State: WI
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 reached out to file a dispute on XX/XX/XXXX about clothes that were sent in the incorrect size and was told a dispute will be filed. I followed up and was told I would hear back but did not. I had to file an additional dispute on XX/XX/XXXX about a defective item that the merchant wouldn't accept a return for as the merchant wanted to keep troubleshooting it. I was able to finally get information on XX/XX/XXXX that it had actually not been filed as they had reached out to me for additional information, which I had not received. I sent the information and it was finally filed as of XX/XX/XXXX. 

On XX/XX/XXXX, I was advised the dispute had been resolved in the merchant 's favor. When I asked for the documentation, it was just documentation showing the merchandise had been delivered. I then discovered that on their dispute, they listed it as " XXXX not received as promised. '' I asked to appeal the determination as I had never said the merchandise was not delivered, but that it was incorrect and defective. They declined and then stated that they were able to properly state it wasn't received. When I asked about how that was appropriate for it to just require delivery and the merchant should have to provide proof that it was the correct size and not defective, I was told that their decision was final and they followed the CFPB regulations 1005. I advised them that they had broken their policy of provisional credit if not resolved in 10 business days, which I learned once sent the link that it was actually a regulation. 

They took 65 days to complete the investigation and never issued a provisional credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from 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 explanation
Consumer complaint received 2022-03-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was not able to use my debit card this morning or last night so I contacted Chase Bank to find out what was going on. They told me there was a note to contact loss prevention so I was transferred over to that department. Turns out a customer 's check I deposited XXXX days ago they wanted to verify. But he said the number they had for the customer was not a verified number so it was my responsibility to contact the customer and have her contact them to verify the check and then I was to call back after that and they would lift the restriction. There is a two and a half hour wait to get through to that department. So basically I can't access MY money, pay bills, buy gas or food because Chase Bank restricted my whole account for depositing a customer 's check. The check was from another chase business acct. Now I have to do their job and track this customer down so she can call them to verify her check. I was told while this restriction is in place all incoming transactions will be returned unpaid. Due to the 2XXXX  hour wait time this probably won't be resolved until tomorrow, but I'm at a gas station now on empty and need to get dinner for my family somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: SC
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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: TX
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Upon the reviewing of my consumer report, I noticed that you all were breaking several laws set by congress to ensure that information being furnished by you all are fair and accurate. I am putting you on notice that all Late payments being furnished on my consumer report is illegal. According to 15 USC 1666b. Timing of payments, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 21 days prior to the account being late I was supposed to receive written notice informing me that the account is going to be late. I did not receive any written notice prior. According to 15 USC 1681b. Permissible purposes of consumer reports, the only way any consumer reporting agency ( Experian ) may furnish a consumer report is if it is in accordance with the written instructions of the consumer to whom it relates. I never gave XXXX written instructions to furnish any negative information on my consumer report. By not obtaining my written permission to furnish this negative information you all are committing Identity Theft. You are fraudulently misusing my personal information for financial and/or personal gain. I should also make you aware of 18 USC 1028A-Aggravated Identity Theft, anyone knowingly uses without lawful authority a means of identification of another person shall be sentenced to 2 years of imprisonment and up to 5 years for a Terrorism offense.

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 2022-03-16
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime Bank closed my mother 's account on XX/XX/2021. My mother died on XX/XX/2021. 

On XX/XX/2021, I filed her Last Will and Testament appointing me as her personal representative. 

Chime Bank has refused to issue a check or any form of payment for the funds that were available in her account before Chime closed my mother 's checking account. I have e-mailed and written a certified letter to Chime and they refuse to communicate with me or assist me in any way, shape, or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: GA
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 writing to express my deep frustration and dissatisfaction with the repeated unsuccessful attempts I have made to remove an inaccurate address and a collection account from my credit report. Despite multiple efforts and clear evidence supporting my claims, these inaccuracies persist, causing severe harm to my financial reputation and personal security. 

I discovered an incorrect address listed on my credit report. This address is not associated with me and does not reflect my current or past residences. Its inclusion on my credit report is erroneous and misleading. 

In addition to the inaccurate address, I also identified a collection account on my credit report. I have never had any dealings with the creditor in question, and the presence of this collection account is negatively impacting my creditworthiness and financial opportunities. 

Upon discovering these inaccuracies, I initiated disputes with your organization by following the standard dispute resolution process provided on your website. I submitted all required documentation, along with a request for the removal of the inaccurate address and the collection account. However, my initial disputes were not resolved in my favor. 

Frustrated by the lack of resolution, I made several follow-up attempts to dispute and correct these inaccuracies. I provided additional evidence, communicated with your customer support, and sought assistance from your representatives, hoping to rectify this situation. 

Despite my continuous efforts to correct these inaccuracies and provide irrefutable evidence supporting my claims, I have not received a satisfactory resolution from your organization. The presence of the inaccurate address and the collection account continues to adversely affect my credit score, hindering my access to financial opportunities. 

I demand immediate action to rectify these inaccuracies on my credit report, specifically by removing the inaccurate address and the collection account. It is vital that my credit history accurately reflects my financial record, and any inaccuracies should be rectified without further delay. I also request written confirmation once these corrections have been made. 

Failure to address this matter promptly not only jeopardizes my financial well-being but also undermines my trust in your organization 's commitment to accurate credit reporting. I am asking for your immediate assistance to remove the following fraud items in my credit fileXXXXXXXX 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 2023-03-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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. Equifax must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
PLEASE HELP! 

I mailed AmeriHome a letter on XX/XX/2022 requesting debt validation. As of today I have yet to receive any type of correspondence from AmeriHome. This account is showing closed on my consumer credit report and reporting negatively. AmerHome first failed to respond in the required time allowance. AmeriHome has also failed to abide by the law in regards to debt validation. 15 USC 1692g. Due to the fact that AmeriHome has failed to validate that this account that is reporting negatively on my consumer credit report I demand that this closed account be remove from my consumer credit report.. This account has cause my consumer credit repair to reflect in a negative way and it does not reflect my credit worthiness. I feel like AmeriHome is bullying me! I never authorize nor gave permission for AmeriHome to report anything on my consumer credit report. AmeriHome needs to respect the laws of a Consumer. As a consumer I have rights and AmeriHome is in violations of my rights. AmeriHome closed the account and continues to report it to the credit reporting agencies and a negative remarks. I don't understand how these companies can continue to report items. This account is causing me an inconvenience and so much stress because or the negative remark. I am trying to purchase a home. Due to the fact that its invalid and against the law if I am not able to get them to remove this closed account, I will be force to file a litigation. AmeriHome has failed me as a consumer 15USC 1692e, 15USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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