BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: VA
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 response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
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:
XXXX  says they are looking into and correcting issues on credit report but yet never do. All they do is either put an update that says client disputes item or they dont make any changes. If the collections agency or lender says the item is correct, they just leave it on there.  XXXX   XXXX  is a collection agency. I have talked to them several times and explained that I have paid debt off with credit card company. Then, they send me a copy of my last bill with   XXXX   and say it is still valid. i Had   XXXX  c redit cards with  XXXX   XXXX   (   XXXX    was formerly  XXXX  ) and I had difficulty paying them in   XX/XX/XXXX - XX/XX/XXXX   and stopped paying them. Las t  XX/XX/XXXX , I  called  XXXX   XXXX  and paid off all of the debts. They had sold it to  XXXX   XXXX . I have told them that I already paid  XXXX   XXXX  and they just sent copies of old bills. This is not doing anything since I paid them off last year. I want them reviewed from my credit report. Additionally, it is already reflected from  XXXX   XXXX  that payments were late and charged off but they were settled. This a double negative report on my credit bureau. They also sold the debt to  XXXX  and other collection agencies for the same amount of money. They also need to be corrected and removed  XXXX  also refused to take off  XXXX   XXXX  and  XXXX   XXXX  collection agency. They just update that I dispute info. This is not a valid collection and needs to be removed. I dont want it to just say updated.    XXXX   XXXX   XXXX   XXXX -  XXXX   accounts. They were paid off completely and in full. THey are not charged off.    XXXX   XXXX -They did not verify it belongs to me.  XXXX   XXXX  is saying it is my debt and it is not. They have a judgement against me too and I am working with attorney to have vacated and this removed from credit report. I want to know what steps they take to verify.     So all these inquiries need to be removed.

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 2023-05-10
Company: EQUIFAX, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated 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 2022-02-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
Every month the Social Security Office deposits my benefits directly to my checking account at JP Morgan Chase Bank. CHASE BANK NEVER NOTIFIED ME THAT THERE WOULD BE A FEE FOR THE WIRE TRANSFER AND IT WAS BY CHANCE THAT I DISCOVERED THIS... I SUPPOSE IT WENT ON FOR YEARS. I HEREBY FILE A COMPLAINT AGAINST CHASE FOR FRAUD AND ABUSE OF A XX/XX/XXXX CITIZEN ( I AM XXXX YEARS OLD ) RIGHT TO INFORMATION. CHASE ONLY DEPOSIT {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Ditech Financial LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This stems from a mortgage debt that was foreclosed and settled/chared  off seven years ago. This company keeps calling and saying I owe mon ey, though this matter has been finalized for years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/23 I contacted Chase Bank for Visa Card, generated on XX/XX/23, starting with # XXXX from JPMCB being generated falsely with my Social and pedigree information. This was a confirmed act of identity theft through Chase Bank. I have already contacted the major creditors to fraud lock my credit accounts and to begin a formal investigation. I have also launched an ID Theft investigation with XXXX XXXX XXXX in NJ # XXXX today XX/XX/23. Chase locked this card and shut it down immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: Kinum, Inc., Indianapolis, IN Branch
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
KINUM INC is in violation of the FDCPA and FCRA and XXXX is in violation of the FCRA, SEE ATTACHMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened TD XXXX Credit Card on XX/XX/XXXX. In the credit card terms and conditions there was no foreign transaction fee listed. Today when my statement closed I noticed that TD Bank had started charging me foreign transaction fee since XX/XX/XXXX. TD Bank didn't send me any notifications about changes in fees. When I called TD Bank customer service looking to have this issue resolved, they confirmed the change in fees but refused to refund any of the fees charged. I believe that my consumer rights have been violated as TD Bank has added new fees without informing me as a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24
Company: WHEELS FINANCIAL GROUP, LLC.
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: Account status incorrect

Complaint:
I have been trying to correct incorrect information Loan Mart is reporting on my credit report. Several times now, they return responses that are long and rambling and they regurgitate facts not related to my complaint. They appear to be trying to subvert this process by supplying nonsense responses. They are not addressing the inaccurate reporting in my credit. Further they tried to subvert this process by saying I had the wrong company when I fact I supplied the information that showed they were the right company. 

They continue to I accurately report my credit as an active account accruing interest and penalties but my account was and is a charged off debt that is unable to accrue interest and penalties. They are not reporting my credit correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Aspen Yo LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
this complaint shall follow complaint number XXXX XXXX XXXX sold the servicing to XXXX XXXX on and about XXXX according to XXXX XXXX the escrows were never transfered which put the account in a deficite and increased the mortgage balance up {$22000.00} + made several attempts to resolve the escrow dispute. i was told by them that it was my responsibility to make sure that the escrows were transferred from XXXX XXXX to XXXX XXXX that caused the mess that i/we are in currently. facing foreclosure, please if possible stop that action as i currently have refinance in place to take out XXXX XXXX however, the payoff is the dispute, if you could help me drill down the exact figures required to pay off XXXX XXXX because of all the past problems. <P/>made several attempt to bring mortgage up to date and they refused the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Experian Information Solutions Inc.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had a  XXXX   XXXX  on Monday  XXXX   XXXX ,  XXXX  at  XXXX , WV  XXXX    XXXX   XXXX  . Was taken to  City Hospital  until I was stable, then they transported me to  XXXX  Hospital in  XXXX , VA. In  XXXX   XXXX , due to divorce and health issues, filed Bankruptcy  XXXX   XXXX . Currently, trying to establish a business line of credit for my  XXXX   XXXX  and noted on my personal credit that I have a judgement from  XXXX   Medical Center  for {$1800.00} filed on  XXXX / XXXX / XXXX . Why would this not be included in bankruptcy?     Thank you for your prompt attention to this matter.

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 2022-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Dear Consumer Financial Protection Bureau : A few months ago, I opened a Capital One card ending in XXXX  to have as a travel card. I used it once, charging {$5.00} at XXXX XXXX, for the sole purpose of activating it. Since I never received a statement, I forgot about the {$5.00}. A week ago, I finally got a statement, delivered electronically with a $ XXXX late fee. I called Capital One and the agent said that she would waive the fee, and I paid the {$5.00} by check. Then the agent suggested that I close the account, which I did. 

On XX/XX/XXXX, I learned that closing the account caused my credit score to decrease by XXXX points, from XXXX to XXXX. As I said earlier, the agent advised me to close the account, so I called Capital One a second time. 

This agent told me to reopen the account, but said that she did not know if doing so would have any effect on my credit score. However, Capital One sent me a link that told me my credit score had decreased, which means that Capital One was clearly aware of the credit situation. 

Only after 30 minutes and multiple holds did this agent say that I could dispute the change in my credit score by writing to the Capital One Credit Disputes Department. A Capital One agent named XXXX XXXX via XXXX ( XXXX ) sent me a copy of my statement so I could get the account number because I had destroyed the card. The statement is wrong, showing a balance of $ XXXX is incorrect, as the account is closed. For the third time, I called Capital One and this agent told that the balance is indeed XXXX. 

I wrote to the Capital One Credit Disputes Department on XX/XX/XXXX to get my credit score corrected because Capital Ones customer service is inept at best ; deceptive and perhaps illegal at worst. 

On XX/XX/XXXX, Capital One responded : Please contact the credit bureau reporting agencies directly to assist you with your request. 

Please help me resolve this issue and get my credit score returned to XXXX from XXXX. This matters a great deal, as you know. Capital One is dishonest and deceptive. 


Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been paying  Navient ar  ound 450 every mont h or every other month due to financial struggles. They put me on a payment that is way to much for me saying that this was a t  XXXX  so it co uld n't get lower. I struggle and received help from family members to make payments only to later find out I was n't paying on my loans just the interest. I too  k 4 pri  vate loans out to finish college not knowing at the time what I was even doing. I been trying to just get a reasonable monthly payment but they insist I ca n't pay less th an the 500 something. I struggled to pay this amount for a few years and no long er could afford to do it I let my loan go into default last month and now they are saying they can get me a lower payment a t   XXXX   if   I  make a deposit of  XXXX  first. I was totally outrage because I struggled for years to get that when I could of had a better option that would of actually paid on my loans and not just my interest. I need to know asap what should I do because I have unt il  XX/XX/XXXX  to make the payment or they will try to take le gal action on me. They are currently being sued because of these type of treatments to there customers so I am lost on whether to pay this amount or let actions happen. I know this lawsuit can take years to play out so what should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The CFPB, in conjunction with regulatory agencies, should be working to reduce the number of loan transfers from one Loan Service to another. Loan transfers impact borrowers with the burden of constantly setting up new autopay account for the new servicer creating confusion for the borrower. There should be a penalty of some charge for every time a servicer transfers a loan.

1. if a loan is transferred, the payment arrangements are transferred as well 2. forcing the borrower to keep track of the transfers is an undue burden on the borrower. They make their payments on time. The banking and finance business should not be a problem for the borrower. The borrower does not get any advantage from the transfer, so they should not be impacted.

3. Have a limit on the number of times a loan can be transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
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 was a victim of identity theft, which I discovered in   XX/XX/XXXX . I immediately went to my local police department to file an official report. I contacted a ll the creditors and credit bureaus as I was instructed to do so by the  Federal Trade Commission- Identity Theft Dept. I have sent in all requested infor mation to  XXXX , including but not limited to a police report and completed ID Theft Affidavit, which they provided to me. Since returning the ID Theft Affidavit to  XXXX  I have yet to hear any information regarding the investigation of my accounts. They continue to harass me for payments and continue to pressure me to pay on fraudulent loans because they refuse to do an investigation. The only correspondence I have received from  XXXX  regarding my investigation is a generic template form that states the investigation is complete and they have verified all information. I have called  XXXX  and sent multiple letters and faxes requesting a detailed description of their method of investigation with no response. I have asked for copies of all the master promissory notes multiple times and have been completely ignored. They only respond to me to collect payment. I have had to pay on the fraudulent loans because they continue to report to the credit bureaus, which is deterimental to me credit score. This has been going on since   XX/XX/XXXX   and they have completely disregard my rights as a Californ ia Vitim of Identity  Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I paid off a old dept that was suppose to off of my credit and its still on there.      XX/XX/17 -Paid {$2900.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: CITIBANK, N.A.
State: AZ
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/XXXX and XX/XX/XXXX I attempted to contact Home Depot to remove me as an authorized user on account ending in XXXX that was opened on XX/XX/XXXX with a balance of {$1300.00} and a min. payment due of {$29.00}. I am not aware of obtaining authorization to be an authorized user on this account. All of the representatives at Home Depot were very rude, even when I escalated to management. Please remove me from this account. I already have my own Home Depot Credit card and this is reporting on all three credit bureaus.

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 2017-05-11
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection agency has opened an account on me for {$480.00}, this is in regards to equipment that has been returned to  XXXX   XXXX   XXXX  through the   XXXX   XXXX   by me. I followed the instructions to return the equipment and it was received by  XXXX   XXXX   XXXX . I owe nothing to  XXXX   XXXX   XXXX  and request that the account be closed and wiped from my credit files that it is being reported to currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXXXXXX Balance : {$47.00} ; XXXX XXXX XXXXXXXX Balance : {$230.00} ; XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$5600.00} ; XXXX XXXXXXXX Balance : {$110000.00} ; XXXX XXXXXXXX Balance : {$35000.00} ; XXXX XXXXXXXX Balance : {$2200.00}.

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 2023-02-22
Company: Credit Karma, LLC
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I applied for a credit karma account to receive my tax refund. This morning XX/XX/XXXX I log into my account and it states that its closed. I contacted credit karma and they stated they couldnt tell me why my account was closed and would forward me to they specialize team. Ive never reciprocated any information as to why its being closed.

Company response to consumer: Closed with explanation