BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have written all three bureaus several times. I didnt know to keep good records or I wouldnt have proof but I did keep a copy of my last letter that I mailed to them back on XX/XX/XXXX. I have yet to get a response at all. I dont know what is going on but I need a response. For the record, there was no reaction and negative data is in effect mistakenly remembered for my acknowledge report, as I have exhorted you on two separate events, over 50 days and again 10 days prior The examination took longer than 50 days This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) As you are very much aware, government law expects you to react inside 30 days, yet you have neglected to react. Inability to agree with these government guidelines by credit revealing offices are researched by the Federal Trade Commission ( see 15 USC 41, et seq. ). I'm keeping a cautious record of my correspondences with you on this matter, to document a protest with the FTC should you proceed in your resistance. I further advise you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you will be at risk for your headstrong rebelliousness. If it's not too much trouble, Remove all Fraudulent records as I have no information on these records because of the Equifax Data Breach/Identity burglary. Everything is being explored by the FTC I'm additionally keeping the organizations recorded underneath educated regarding your unshakable rebelliousness CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and protection CC : Federal Trade Commission CC : State Regulatory office CC : California Regulatory office Division of customer objections

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: MIDFIRST BANK
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our office would like to accelerate this file to the investor of the loan. We do not believe that the investor is aware of a down payment offer made during the last modification request of {$100000.00} We understand, as per the denial, their contractual payment will increase should the modification be approved however, our clients are now generating the necessary income to sustain the higher payment. Mr. and Mrs. XXXX are doing very well with their finances and have offered a down payment of {$100000.00} in efforts to lower the amount that is owed to Midland Mortgage. Although they can sustain the current or a higher PITI payment, they do not have the ability to reinstate the loan. Thir current escrow shortage is on or about {$150000.00}. 

As per our records our clients unpaid balance with arrears is on or about {$810000.00}. Should our client be allowed to keep the current deferment of {$220000.00} with a down payment of {$100000.00} the interest bearing portion of the loan would be on or about {$480000.00} yielding an estimated monthly contractual payment of {$5200.00} ( PITI ) if allowed to have a 30 year maturity. Although this is higher that their previous payment, our client has the ability to sustain the higher payment. Our client has sustained a bankruptcy trustee payment of {$5700.00} per month proving that they can sustain a higher payment. 

If our client is provided with a waiver and allowed to receive a deferment for some or all the arrears, they will be able to resume their mortgage payments to Midland Mortgage. If possible, moving the maturity date to 30/40yrs at a lower interest rate, the payment will be affordable. This waiver would allow our client to resume making their payments and save their home. Our clients are devoted to saving their home and keeping it in their family indefinitely. 

Mr. and Mrs. XXXX became delinquent on her loan due to circumstances outside of their control. Although they were modified in the past, they suffered additional hardships forcing them to default again. Their hardship is now over. Unfortunately, they encountered a temporary loss of income and unforeseen extensive property damage due to hurricane Sandy and hurricane Irene forcing them to default on their loan. They depleted their savings trying to keep current however, they were not able to keep up. Our clients are now employed full time and can resume making their payments should a waiver be granted. 

Our client is committed to paying their debt to Midland Mortgage and the current investor of their loan. If they are given the opportunity to resume their payments, they will not default again. Thank you for your time and consideration in this matter. I can be reached at XXXX Monday through Friday XXXX XXXX  to XXXX XXXX Eastern Time or by email at 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 2023-09-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
This company is destroying my credit. I've paid off my debt early and closed account. My credit score was XXXX and now XXXX within a few months. This company is now continuing to send me many offers in which I've declined. I've never had this happen in my entire adult life. Credit being destroyed for paying off early and a " No payment due '' every due date of payment. Employment information is very outdated and incorrect. I'm retired now and being punished for this company 's horrific work ethics. Sad, sad, sad. Thirty years behind on my current employment, home ownership. I've never very been late on any of my bills, loans, credit payments, etc.in my entire adult life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, I discovered that my chime account has been locked without any explanation. The notification told me to email " XXXX '' to proceed. 

After emailing " XXXX '' twice, I called the support line, who told me to email " XXXX '' instead. 

I emailed XXXX on XX/XX/XXXX, and XXXX more times after that at different days. Each time I emailed, I also called the support line, who told me to be patient. 

After filing a complaint to the XXXX  on XX/XX/XXXX ( more than XXXX weeks after I sent an email to XXXX without a response ) They finally responded with next steps on XX/XX/XXXX, a full XXXX weeks after my initial email. 

They continued to ask for me to provide more and more documentation, which I did provide. 

After sending in everything, they notified me that my account has been closed, and I am not elgible for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: Synovus Bank
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 information incorrect

Complaint:
First Progress is reporting inaccurate late payments on my account. This debt was paid back in XXXX of 2020 and they are reporting late payments on XX/XX/2020 & XX/XX/2020. This is erroneous! These lates need to be removed off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: DISCOVER BANK
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, Ive been dealing with Discover since 2021. I lost my job and was a college student at that time so I had no time to work. I still dont have a job, I managed to get support to pay it off but they sent it to collections and put a negative on my credit. I begged them to remove it and they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My vehicle was repossessed during the term of the loan. I no longer have the loan because the vehicle is paid off

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 2023-02-18
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:
In accordance with the Fair Credit Report act, Equifax Credit Information Services INC, has violated my rights.

15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I have several inquiries on my credit reports that I don't recognize, and I reported them to Equifax and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: SC
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; 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 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 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 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 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

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 2021-07-04
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS COMPLAINT IS ABOUT EQUIFAX CREDIT REPORTING DETERMINE TO KEEP XXXX, XXXX AND XXXX, XXXX XXXX  ON MY CREDIT REPORT AFTER I HAVE ASKED FOR EQUIFAX TO PROVIDE PROOF FROM THE AMOUNT IS IN FACT INCORRECT. I HAVE REASONS TO BELIEVE XXXX, XXXX AND XXXX ARE INVOLVED IN A LAWSUIT NOW REGARDING FASIFYING DOCUMENT WITH THE COURT SYSTEM. XXXX XXXX HAS CONTINUE TO FASIFY INFORMATION TO EQUIFAX THAT THEY WERE NEVER A THIRD PARTY THAT WAS NEVER EXPLAINED IN WRITING THERE WOULD BE CONSEQUENCES IN THE EVENT THE REAIMING BILL WAS NEVER PAID. XXXX XXXX HAS CLOSED THE ACCOUNT WITH NO COLLECTION AGENCY INVOLED, SO WHY IS EQUIFAX CONTINUE TO ACCEPT FALSE INFORMATION FROM THEM?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Navient Solutions, LLC.
State: CT
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:
XX/XX/2020 RE : Proof of Validating Account Social Security # : XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CT XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX RE : XXXX XXXX XXXX # XXXX - {$5500.00} ; DEPT OF ED/NAVIENT # XXXX XXXXXXXXXX ; U S DEPT OF EDXXXX # XXXX - {$4200.00} ; U S DEPT OF EDXXXX # XXXX - {$1.00}, 521 ; U S DEPT OF EDXXXX # XXXX - {$50.00}, 321 ; U S DEPT OF EDXXXX # XXXX - {$26000.00} Attn : Fraud Department : I am writing to dispute the account referenced above. I have disputed the account information as Fraud/Identity Theft with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my Federal Trade Commissions Identity Theft Report and my Identity Theft Affidavit. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. I am asking the verification documents be sent to my above address. 
I am requesting that you block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
So on XX/XX/2020 I received a notification from Chase saying I had sent out a XXXX  payment of {$300.00} to someone under the name " XXXX XXXX '' I called XXXX  Claims department explaining that what happened was that my parent 's account had been compromised ( being accessed remotely through my fathers Computer terminal ) and was linked to my personal bank account that also had my mother in so they grabbed the money from not their account but rather mines. after calling to dispute this unauthorized charge, they issued the claim and got back to me on XX/XX/XXXX that they issued a XXXX credit for the time being, the following day XX/XX/XXXX. They sent me a email at XXXX XXXX saying that based on their investigation that the charge was authorized. I spent a good portion of XX/XX/XXXX Talking to various representatives on chase 's end eventually a supervisor by the name of XXXX about my issues and was met with a " sorry we can't help you this instance, try to contact XXXX '' I even asked to track where the money is being sent to and they did not give me any information. Then based on how they validate whether transactions are fraudulent and failing to take responsibility in this matter as I had told them how my account was accessed they didn't offer any solutions and XXXX specifies on their site that they can't really do anything. they just decided that it should be left up to the victim to do their jobs of contacting the right organizations in regards to seeing what happened to my money even though this would be violating my rights under the Electronic Fund Transfer Act. Chase didn't even try to think hey this might be suspicious that an account that has only XXXX XXXX money out to a family member once would send XXXX to someone the same day and disputes it the same day. it was incredibly unprofessional and unpleasant having to participate in a back and forth that feesl like it ultimately will not get resolved and make me want to conduct my banking elsewhere

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions 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:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw a couple of items that were opened under my social number. I know for sure these items are not mine. Please remove them from my 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 2020-06-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been disputing inaccuracies on my credit report for almost 4 months and the credit bureau 's never sent me a credit report. All of my information is being updated and I am sending the documents that are asked and they refuse to investigate the following accounts. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX These are all collection agencies that Ive been asking XXXX  , XXXX  and Experian to investigate and to make sure they have signed contracts with these companies where I singed and each dispute has been ignored.

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 2023-09-05
Company: Experian Information Solutions 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2020-06-12
Company: Experian Information Solutions 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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible. XXXX {$240.00} XXXX {$3200.00}

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 explanation
Consumer complaint received 2020-04-03
Company: STATE FARM BANK, FSB
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was lock down overseas due to Coronavirus pandemnic my StateFarm account was unauthorized charge {$50.00} by merchant company called XXXX a merchant account that is closed. 
The {$50.00} debit from close XXXX return to State Farm account and State Farm close my account checking account saying - {$25.00} owned and reported the account to XXXX

Company response to consumer: Closed with explanation