BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased a XXXX XXXX XXXX from XXXX XXXX and returned in within their 30-day time frame. I never made any payments on the car, and didn't even know that the loan was on my credit report. I reached out to XXXX XXXX in early XXXX and was advised by the young lady that she would forward my issue to the Credit Dept. and that it could take up to 6 weeks to resolve. Well on XX/XX/XXXX, I decided to dispute the account and related balance directly with Experian. I uploaded the XXXX XXXX documents to the Experian portal. I received an update from Experian on XX/XX/XXXX that the outstanding car loan and balance was verified as ACCURATE. It makes no sense to cause me this much stress. Even if you call the XXXX XXXX XXXX number, that account has a XXXX balance. PLEASE REMOVE THIS ACCOUNT AND RELATED BALANCE FROM MY CREDIT REPORTS. I RETURNED THE CAR WITHIN YOUR POLICY GUIDELINES.

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 2022-11-17
Company: Idaho Housing And Finance Association
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX my husband lost his job due to XXXX. My mortgage went into the COVID forbearance program that was offered. Once it was in forbearance, I was no longer given access to their online system to view my account and thus had to pay via check. My husband and I both started new jobs in XXXX of XXXX, where I took a large pay cut but trusted it would be okay knowing there would be two incomes again. Shortly after he started working there, I found out that he had lied about most of his past and that he had run up debt on my credit cards. We immediately XXXX and I was faced with providing for me and XXXX XXXX children on half the income I used to have. 

When the COVID forbearance came to an end, my mortgage company wouldn't let me modify my loan without my husband 's driver 's license number, which I didn't have because he told me he moved out of the state and refused to give me any information about his location. His name has never been on my loan and I don't know why the mortgage company was insisting they have his information. The only other option they gave me was to modify the loan with a divorce decree. Without his location, I could not serve him with divorce papers in order to provide that information to them. I got very behind in payments because of my income drop, the credit card debt and not being able to proceed with the divorce. 

In XXXX of XXXX, I was able to get a higher paying job in order to provide for my XXXX and I. I did send mortgage payments when I could but the mortgage company did not apply them to my loan at the time they were sent. They cashed the payments yet did not apply them to my loan until a lump sum was deposited in XXXX of XXXX. On XX/XX/XXXX, I received notice of default on the loan and they were requiring me to pay {$25000.00} within 35 days. There was no way I could pay that and have since been trying to figure out how to cure my mortgage. I have been paying the mortgage consistently in the recent months but they started sending my checks back telling me that it's " illegal '' for them to accept my payments. They also have not been forthcoming regarding the foreclosure process and timelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identify theft and Chase Bank is violating my consumer protection rights. I have contacted them and informed them that my ex   husband opened credit cards in my name. The company responded by saying that the address on the account matches my home address therefore the debt is valid. This is ridiculous and I demand that they investigate my claims immediately. I want these cards taken off my credit report and a full fraud investigation. The lady I spoke with today said the debt was valid even though I provided the name of my ex husband and information, including but not limited, the bankruptcy filing which included these accounts. This is ridiculous and I want this off my credit report immediately. I will settle the debt but I want the tradeline deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: JPMORGAN CHASE & CO.
State: NM
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:
As you requested the following is a Statement of the Facts as they pertain to my complaint to Chase Credit Card Services for damaging my credit. 

Chase Credit Card Services collected automatic monthly payments from my checking account in the amount of {$240.00} per month as agreed with one of their representatives to pay off my existing balance. The payments started in XX/XX/XXXX. My intention was to pay off the balance in a timely manner and repair my credit. The account has been closed since that time, and I have been receiving email statments which I have not reviewed mainly becuase the has been closed and my communication with Chase has been on the phone when they call to renew my auto payments. My reasoning for not paying off the account was to reestablish my credit payment history. The recession caused my to loose 75 % of my income and I was unable to manage my credit cards. 

On XX/XX/XXXX I checked my credit score on XXXX XXXX and discovered the error and immediatley made contact with Chase and paid off the unpaid balance based on my phone conversation. I spoke with two different people in the credit department and explained my situation and neither one of them offered any resolution to my dilema. 

Chase Credit Card Services has reported me to the credit reporting agencies 90 -120 days late since XX/XX/XXXX to date XX/XX/XXXX. My credit has been damaged in a dramatic way. In talking with a lender they should have applied my payments toward the unpaid balance first. It was never explained to me an unpaid balance was just sitting their causing the late reporting. 

I requested a copy of the my statements, which I have in my possession and can send to you if needed. 

Please let me know if you need further information from me. I have copies of my statements. I will also contact the Consumer Finance Protection Bureau for help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Titanium Funds
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Mislead by the sales person and the advertisement on the wall about an additional fee that would cover insurance, this turned out to be untrue and the vehicle was impounded for no insurance. Not reporting anything to the credit bureau about the loan, not applying payments when made online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TransferWise Ltd
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
My account with wise ( formerly wise transfer ) was deactivated and all efforts to get it activated back has been void. I need the account to be working cause I make use of the service to send funds to my love ones and family abroad. 
So please I will be delighted if my complain is given attention Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
There was a promotion to open an account at Citibank to receive XXXX XXXX XXXX XXXX by having transactions in the amount of {$750.00}. After opening an account based on the advertisement and using the card to receive the promised promotion, the bank did not give the reward miles. 
My husband and I contacted Citibank on XX/XX/2022 at XXXX PST checking account department where they put me on hold for more than 2 hours, then they rejected the promised promotion by adding another criteria. To the best of my knowledge it is a clear misleading approach and a fraud to advertise to open an account and later ignore what they promised. I talked to an agent where he told me he can not help me with this issue, I requested to talk to a supervisor and after 2 hours waiting, she was rude and did not help at all. I also requested if you are adding a new criteria, please give time to complete but they simply ignore my request. I talked to a lady supervisor with the ID of XXXX and she refused to provide the ID of the previous agent. If there wasn't the promotion, I was not willing to open a checking account with this poor customer service.

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 2022-01-10
Company: Experian Information Solutions Inc.
State: PA
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:
To whom it may concern, I am XXXX XXXX and Im submitting this complaint myself and third party was/were involved.I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute.This information is unauthorzied and I did not approve it to reflect on my credit reports. I belevie I may be a victim of identity theft. I have a security lock on my credit reports and I was not alarted to this information being authorized on my credit reports and I am insisting that they be deleted from my credit reports as soon as possible. These items are fraudulent and they have devastatingly impacted my relationships with creditors. Please investigate these matters and delete the disputed items, As soon as possible. thank you

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 2023-06-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Previously I established an investigation of some accounts with erroneous information and after reviewing your response I received that some accounts are still incorrect, with a verified status. Please correct or delete the following accounts : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance Owed : {$100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance {$530.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$100.00} XXXX  XXXX Balance Owed : {$100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance {$530.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance {$530.00} ; XXXX XXXX Balance : {$0.00}.

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 2021-09-15
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I originally applied to XXXX mortgage for my mortgage was approved and closed/purchased my home. A mortgage service company XXXX mortgage provided mortgage services to my account but was never the lender or owned my mortgage. XXXX  mortgage is reporting as a separate mortgage on all three major credit bureaus giving my credit report the appearance of more debt and credit history of late/missed payments. XXXX mortgage is also reporting the exact same information which is correct but XXXX  mortgage services need not report this on the same mortgage. Ive tried disputing with all three credit bureaus without any luck.

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 2023-03-11
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
False reporting XXXX credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: HYUNDAI CAPITAL AMERICA
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX, XXXX XXXX PA, XXXX, HYUNDAI CAPITAL AMERIC XXXX XXXX XXXX XX/XX/XXXX Balance : {$15000.00}, HYUNDAI CAPITAL AMERIC XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, HYUNDAI CAPITAL AMERIC XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}

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 2023-04-04
Company: Experian Information Solutions Inc.
State: SC
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: OPTUM BANK, INC.
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a Health Savings Account with Optum Bank, this account has been active since XXXX. I attempted to login to my HSA account, today, XX/XX/XXXX, to begin the process for reimbursement for a qualified expense. They were unable to locate my account, and I was unable to login with my credentials. I called customer support, and talked with a front-line staffer, who did all within her power to locate my account. She informed me that all of my online account activity and presence has been erased. I additionally learned my email address had been modified by an optum staffer to some other email address - not mine. I asked to speak with a supervisor, and it appears that one of their computer algorithms decided to terminate my account credentials. The supervisor and I both tried to create a new account but I kept getting an error message. We attempted several troubleshooting methods and it did not work. 

I have a case number with Optum bank - Optum Case # XXXX If I didn't notice this error, and bring it to Optum 's attention, my entire health savings account could have been lost or stolen via identity theft This would cause significant hardship for my family, who depend on this account for ongoing medical expenses. 

Optum has repeatedly been reckless with my account, making significant and drastic account changes without notice ; they should be heavily scrutinized by the proper regulatory authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo is failing to properly provide me access to alternatives to foreclosure. Wells Fargo unjustly denied me a modification back in XX/XX/2012 and failed to complete another review of my loan for retention options. My loan is now in foreclosure with a sale date and I am scared that their unfair treatment will cost my family the home we have lived in for 17 years. We had an unfortunate financial setback at the beginning of XX/XX/2012 and missed a few payments. When we attempted to get caught up on our mortgage payments, Wells Fargo turned down our payment. We attempted to get a modification on our mortgage, but they quickly turned us down and then spent SIX YEARS continually finding one reason or another never to finish a complete review. They wanted so many documents and we gave them everything they wanted. However, they said we did not get the documents in on time and shut us down. We became professional document senders and we believe they jut want to take our home away based on the fact that we have equity in our home. We are very far behind and it is their fault of that we have so many payments in arrears. When we speak with them they say they want to help us and they send us letters all the time saying they can help, but when I contact them I get nowhere. I am gainfully employed and can afford a reasonable payment, my loan qualifies for the government assistance programs and I can not understand why they won't start the process of getting me back on track.

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 2023-03-20
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit Adjust, XXXX XXXX XXXX XXXX, XXXX KS XXXX has no original creditor available. I do not know who they are and can not contact the original creditor and therefore believe this debt to be fraudulent, erroneous, inaccurate and should be part of my XXXX credit report! 
According to 15USC 1681 ( a ) ( i ) I can challenge this account and have it deleted because it is obviously incoirrect and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Affirm Holdings, Inc
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
i already have a complaint about this company that i submitted 5 days ago and no response ( XXXX ) yet however i forgot to add another complaint to that one ... .another problem besides not being able to view loan or loan documents they also clearly say on the website that we can make payments with credit cards however every month ive been forced to use a debit card because credit cards have automatically declined... ..you cant say you take credit cards but when someone tries to use it it doesn't work but then conveniently the debit card goes through just fine... this has happened through out the life of the loan

Company response to consumer: Closed with explanation