BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-25
Company: AES/PHEAA
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX. On XX/XX/XXXX, I received a hardship forbearance with XXXX XXXX, good until XX/XX/XXXX. Last fall the company began sending me statements requiring payments. I emailed repeatedly - which they NEVER answer, wrote them many letters - which they NEVER acknowledge, and finally called them XX/XX/XXXX. The representative merely read off a pre-scripted page and refused to address my problem. XX/XX/XXXX I received a statement, showing XXXX balance due. Then I began receiving statements about every 4 days with different amounts owed, one of them over {$2000.00}. I just received another statement yesterday. 
I have no payments due - either principal or interest - until XX/XX/XXXX. 
XXXX refuses to address the issue, nor do they respond to any of my correspondence. I do not want XXXX to seize my XXXX tax return, which my family of XXXX depends upon. 
Can you help me? 
The mistake has been made by XXXX XXXX, and they refuse to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
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:
XXXX experian and XXXX are in violation of 15 usc 1681b ( a ) ( 2 ) I the consumer never gave neither consumer reporting agency written consent to report anything on my credit report I have asked they remove these inaccuracies off my account they have not and are breaking the law.

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 2023-05-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2021-06-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is an ongoing problem of privacy and identity theft. On occasion, Chase Bank sends me notices of how this bank using my personal information -- most of which I can not opt out of. Chase Bank arrogance puts me more at risk for identity theft when they share my personal information ( for profit ) with other entities. Corporations have become too powerful and greedy. It is time for the pendulum to swing towards the rights and concerns of the consumer. I note that the outrageously-weathly XXXX announced the other day that he would not reimburse customers for overdrafts as a result of the pandemic. In my town of XXXX, he has closed down at least XXXX Chase location -- crowding customers into a smaller facility. Even the local Chase employees complain. Just wondering how nasty American smash & grab capitalism will become before the system is changed??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Chrysalis Holdings LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
For the past 5 years or MORE, I have gone to this company 's website MULTIPLE TIMES, to be removed from their mailing list. I've gone to all 3 credit Bureaus and made sure that I don't receive unsolicited mail based on my credit. I'm on the National Do not Contact lists. I complained to the XXXX  MULTIPLE times. I sent this company a CERTIFIED Cease and Desist letter to STOP contacting me two or three years ago. And I'm STILL receiving unsolicited mail. 

I want this to STOP. After a few months of receiving nothing from this company ( YAY! ), they're back at it again. Received three mailings in the past two weeks. 

In addition, the way the letters are designed is borderline predatory to XXXX and XXXX. Stamping things like " Final Notice '' and " Response Needed/Required '', in addition to using a " Rear Admiral '' to gain trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Re : Sterling National Bank XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX acct XXXX Sterling National Bank completed my Escrow  Analysis on XX/XX/XXXX and I NEVER received the escrow  analysis letter, that I was told on XX/XX/XXXX, was mailed out on XX/XX/XXXX. 

Its imperative that I have this letter because paying the shortage is TIME SENSITIVE with this bank, that letter indicates how much time I have to pay it or when its due by. 

Currently, my mortgage amount was increased, As of XX/XX/XXXX - XX/XX/XXXX, to {$850.00}. I was informed by customer service XXXX, that my escrow  letter was mail. As of today XX/XX/XXXX, still not received. However, I did XXXX my mortgage statement dated XX/XX/XXXX. 
I believe the letter was generated through their system, but it was never actually mailed out. I think this because this bank has been mis-managing my account. An XXXX doesnt dont like when, Inform you of there incompetence. 

Today, I went to the branch to pay an escrow analysis shortage of {$180.00}. See attached receipt. From branch chk # XXXX. The branch teller was advised by the Escrow department to inform me, to mail the payment or do a check by phone, which would cost an additional {$9.00} automated or for the representative to process $ XXXX found this to be ridiculous and demanded a manager for my payment. Mind you, my account isnt even past due. My next payment is due XX/XX/XXXX XXXXSee attached. This bank is singling me out because I report them to you, every time they mis-manage my account. 

Secondly, please look at CFPB case number XXXX -this matter still not resolved. I recd letter from XXXX dated XX/XX/XXXX pg 2 -where she states my XX/XX/XXXX payment of XXXX -falls short of satisfying the new monthly payment. I paid this on XX/XX/XXXX on there suspense account. How is this XXXX to be satisfied with the new monthly payment if the bank doesnt send the letter to me and asks the Teller to inform me to mail the payment ; which is time sensitive and or I can do a check by phone for additional cost to me. See attached letter from XXXX XXXX which is dated XX/XX/XXXX. It is funny how I rec 'd this letter too and NOT the escrow analysis that the escrow department claimed was mailed on XX/XX/XXXX. They're lying!. 

Here are the documents recd and dated. Clearly, its not a mailing issue. Escrow department, just purposely, never sent it. 

Resolution for me, have them send the letter for my records. Make sure they take my XX/XX/XXXX payment {$820.00} sitting in suspense, get applied to principal & interest & escrow, and apply {$180.00} payment referencing chk XXXX, gets all applied timely and correctly. Finally, a new statement generated for the revised monthly amount {$840.00}?? For XX/XX/XXXX payment. 

I will be forwarding a copy to a lawyer. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: CA
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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens 281SW715,719, I presume that no proof of alleged debts, nor therefore any such debt, in fact therefore exists!

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 2023-05-16
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXXXXXX XXXX XXXX XXXX 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 2022-12-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. The following accounts reflect on my Equifax credit report as account status derogatory and payment status wage earner plan, which is not accurate. 

DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX DPT EDXXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have asked the credit bureau to remove the inaccurate addresses that are on my credit report because they are not mine. I do not receive any mail from the postal service at these addresses and this is in violation of my rights. Please remove the listed addresses. 

Prepared For XXXX XXXX Report Number XXXX Date Generated XX/XX/2022 Disputing personal information XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-06
Company: Experian Information Solutions Inc.
State: AL
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:
Account numbers # *XXXX  Account # XXXX *XXXX  Account # XXXX I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that l am requesting " validation '' : that is competent evidence bearing my signature. 

Please also be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, if you can not validate the debt you must delete.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on an consumer report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. Please verify the following account or remove it immediately : XXXX Account # XXXX *XXXX  Account # 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 2022-04-19
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:
I have closed accounts on my credit report that I did not authorize : XXXX : XXXX XXXX # XXXX - XX/XX/2021 XXXX XXXX # XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX # XXXX - XX/XX/2021 XXXX : XXXX XXXX # XXXX - XX/XX/202XXXX XXXX  : XXXX XXXX # XXXX - XX/XX/2021 XXXXXXXX XXXX  # XXXX - XX/XX/2021 XXXX XXXX  # XXXX - XX/XX/2021

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 2021-09-21
Company: CURO Intermediate Holdings
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted credit reporting agencies beginning XX/XX/2021 via certified mail disputing this account ( as it is not mine ) then was told it was verified I requested a reinvestigation and information on how this account was verified on XX/XX/2021 to the credit reporting agencies via certified mail and was told it was verified by creditor once again. XX/XX/2021 I then wrote creditor AD Astra Recovery Service requesting that this debt be validated including application with my personal signature. I received letter from creditor stating that it has been determined that information is consistant with information provided by client. I then sent another Letter via certified mail XX/XX/2021 again disputing this information and requesting that application bearing my personal signature and once again received the same exact letter from 1st request. There was no proper investigation or reinvestigation from the Credit reporting agencies nor creditor to validate this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
3 weeks ago I leased a XX/XX/XXXX XXXX from XXXX XXXX, and I was approved for the loan by Mercedes Benz finance. I signed my lease contract, paid 36 months up front and was given the car. 2 days later, they called me saying that I was declined on the loan, did not give me any reasons and told me to wait to receive the letter. I have received the letter yesterday, and it said that I was declined because they could not verify my identity and to call XX/XX/XXXX consumer reporting agency, I called them and they stated that everything is fine on their end and I do not have any issues with my personal information and everything is matching. I also did not have any fraud alerts or credit freezes, they were able to run my credit and it came out with XXXX Fico score. I have no lates, not delinquencies, nor do I have any issues with my credit. I have had a Mercedes Benz in the past, paid off with no issues with them. I paid up all 36 months of the lease up front with their 1 pay lease program. I returned the car back to them after they called me 2 days later, and they gave me back the payment I made, left me with no car. I asked for reason as to why I was declined, especially because there is no legitimate reason for denying me for credit. They did no respond and asked me to wait for the letter. I waited for the letter, and nothing there but problem with identity, I have tried resolving this matter with them and they are no help. I contacted their department where the analyst named XXXX denied, and they are not speaking with me in regards to my application stating that they don't speak to consumers and I should speak with dealership for reasoning. I spoke with financing manager at XXXX XXXX in XXXX, CA and they stated they can't help me either and I should speak with Mercedes Benz finance. I have never dealt with such a problem in my entire 20 years of leasing a vehicle. They are throwing the problem back and forth to each other and I don't know who I am supposed to talk to get this problem resolved. I really want to lease a Mercedes Benz and they are denying me for no solid reason, and are not resolving this case. Please help me, if they are denying me because of my race, sex, or how I would like to obtain my car with a 1 pay lease program that they are offering, then they are discriminating me. I have attached my driver license social and the contract. unfortunately I wasn't Able to attach all 36 pages of the contract because it doesn't accept big files, but I included the key pages, and can submit the full contract through other means if requested.

Company response to consumer: Closed with explanation