BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-01
Company: Aspen Yo LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have attempted to modify my mortgage that was serviced originally by XXXX XXXX and most recently with XXXX XXXX. I have called XXXX to help us with our modification to keep our home. We provided all the documents that were requested. On XX/XX/2019 we received a letter from XXXX XXXX thanking us for submitting a request to be considered for our loss mitigation programs. They state they were submitting our application to underwriting. We do not need to submit more information at this time. If they need more information they will send a written notice of the additional requirements. They will contact us within 30 days. However on XX/XX/2019 we have received Late Payment notices with late charges as if we are not working with the lender. The delinquency notice states that they have made the first filing or notice to commence foreclosure of this loan account. 
We received a letter from XXXX XXXX  on XX/XX/2019 regarding : Loss Mitigation Review and the Loan Modification was Denied. 
The letter states the reason not eligible for forbearance or a loan modification agreement because : I did not submit sufficient information for them to review the application before the deadline and to see previous letter that was sent to me. What I received I did send to XXXX and they said they forward everything they asked for to XXXX  XXXX. 
We are not eligible for a Short Sale or Short Pay resolution because they have concluded the property value upon sale should be enough to pay the outstanding loan balance in full. 
I would like my information reconsidered for better options to keep our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights. 

Account name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights. 

Account name : XXXX XXXX, Account Number : XXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-06-24
Company: EQUIFAX, INC.
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , Equifax , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

USDOE/XXXX XXXXXXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: NC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$600.00}

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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is report an account number # XXXX in charged off status I demand they remove this from my credit report. This is my formal dispute and if you don't remove it I will seek fines and sue you and transfer it to a consumer attorney for possible legal action Thanks 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 2021-06-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( Bankruptcy Chapter XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: 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: Was not notified of investigation status or results

Complaint:
On XXXX, I sent a letter regarding inaccurate and unknown on my credit report, To this day over 60 days later, I still haven't received a response. I feel like I am being taken advantage of and being unheard on my concerns. Section 611 ( A ), it is plainly stated that a failure to investigate theses items within 30 days prompts for deletion, this means you are in direct violation of the law.It has been over 60 days and inaccurate items should be removed immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have brought upon me. My information was also impacted by the equifax data breach and seems to have gotten in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Northwood Asset Management Group
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I took a loan out from XXXX XXXX XXXX in the amount of {$2500.00}. I wask scheduled to make payments of around {$300.00} twice a month, but early on I learned I could not afford that. I made several payments, but can not find any records in my email or my XXXX account for the total that I made. 

After I was unable to make a couple of payments, in which I notified XXXX, they transferred my account to NAM. 

I have made 14 payments to NAM of {$55.00} each, once a month. Total of {$770.00}. 

On XXXX/XXXX/XXXX I was notified that XXXX alledgedly lent me that money illegally, with this notice. 

NOTICE ID : XXXX Please keep for personal reference. 
If You Obtained a Loan from XXXX XXXX XXXX, XXXX, or XXXX   XXXX XXXX From XX/XX/XXXX to XX/XX/XXXX, You Could Get a Cash Payment from a Settlement or Cancellation of Your Loan A federal court ordered this notice. This is not a solicitation from a lawyer. 

NOTICE OF PROPOSED CLASS ACTION SETTLEMENT Solomon, et al. v. American Web Loan , Inc., et al. No. 4:17-cv-0145-HCM-RJK

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Chime account was involuntarily closed by Chime and I have not received the remaining balance of funds in my account, which is approximately {$50000.00}. 

I have repeatedly contacted and spoken with Chime phone support for assistance in resolving this issue, to no avail. Therefore, I am reaching out to CFPB for assistance in regaining access to my funds. 

Below are the details of the issue and sequence of events : On XX/XX/2023 Chime sent me an email stating " We are reaching out because routine monitoring identified activity on your Chime Checking Account that requires verification. '' They further asked that I please provide the following, which I sent to them the same day : 1 ) Copies of your current Govt. ID or Drivers License 2 ) A bill or notification dated within the last 60 days to verify your current address 3 ) Proof of income ( W-2, paystub, etc. ) or source of deposits for the XXXX Money Transfers totaling {$46000.00} and the XXXX XXXX deposits totaling {$1800.00}. 

4 ) Please provide an explanation for rapidly removing of funds via $ XXXX in billpay, XXXX, and other means. 

Regarding proof of the $ XXXX requested above, $ XXXX of that deposit was from a check that I received from my auto insurance company ( XXXX ) for a wreck of my truck, which was totaled in a car accident. The remaining deposits were from income from my self-employed businesses. Without having access to these funds I have not been able to replace my truck with another one. 

On XX/XX/2023, Chime sent another email stating the following : " Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/2023. Once your Checking Account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days of XX/XX/2023 to the address we have on file for you. '' In late XXXX I received a check from Chime in the amount of {$1.00}. I have no idea where they came up with that amount, since my account balance was around {$50000.00}. And I no longer have access to my bank account to see the remaining balance. I've continued to reach out to Chime about the issue, again to no avail. I would like to receive all of my funds back from Chime, but as of today, XX/XX/2023, I have still not gained access to funds. 

Can you please help? 

Very frustrated Chime Account Holder

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: SYNCHRONY FINANCIAL
State: NJ
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 these accounts that does not belong to me and i want it to be remove from the three credit reporting agencies. See the list bellow : XXXX  1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft 06 XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft SYNCB/NETWRK Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft SYNCB/NETWRK Account XXXX : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft SYNCB/NETWRK Account Number : XXXX This is not mine.

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 2023-10-31
Company: Experian Information Solutions Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
A digital checking account was created without my consent. I told them to close it immediately and they refused.

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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My grandmother died of XXXX in XX/XX/2020. I had put all my credit cards on autopay due to me being understandably preoccupied. 

And after that, I got an email saying I had a 31 day late payment on my account. 

I checked my account and I saw that I had in fact paid my XXXX  card on time. 

However, I noticed that my statement had 1 ) the wrong home address, as I had moved XXXX miles away 2 ) the wrong balance 3 ) and the wrong authorized payment I have repeatedly called XXXX about this issue, starting in XX/XX/2020. I have called and had in-person meetings about this every single month till today. During these calls and in-person meetings, I have been called racial slurs, and told that I'm a XXXX and a XXXX by a receptionist at XXXX ( I'm a XXXX  XXXX man, but that didn't seem to protect me from discrimination ). I've also been told to go back to my country, even though I was born and raised in America. I've had XXXX employees make fun of my name, and told " my dead grandma is irrelevant to XXXX 's policy on revising the information they send to credit bureaus ''. I filed multiple complaints within XXXX about the abuse I received ; none of these complaints ever led to any change in employee behavior. 

Since XXXX fraudulently claimed I was late on a payment, my credit score has plummeted. 

I called XXXX XXXX yet again today to ask for proof I missed this payment, and the person on the phone laughed at me, said " that's impossible because it was from 2020, '' and when I asked for her office 's mailing address, she hung up on me. 

XXXX has no proof I missed this payment, has repeatedly discriminated on me on the basis of race, national origin, gender identity, and sexual orientation, and has refused to do report accurate information to the credit agencies. XXXX XXXX  needs to be held responsible I have included the XXXX statement 's that have my incorrect address. I also included a receipt I got from an Illinois government affiliate, proving I lived in XXXX in 2020. And finally, I included the announcement of my grandmother 's funeral. It shows the funeral happening on XX/XX/2020, which is XX/XX/XXXX on the XXXX calendar. And I'm listed as a grandchild under the nickname she called me, 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 2022-02-04
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX  because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the XXXX  because I support victims of crime. I cant get Hired with these collections. 
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over.

With my line of work with victims of crime I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane.

IM XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? Im dying out here help me get this deleted again. Thank you

Company response to consumer: Closed with explanation