BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
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: 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 that is being posted to my report. 

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

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 2023-09-19
Company: Penn Credit Corporation
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1006.34 Notice for validation. This debt was put on my credit report without notice and i want to validate that the debt with a itemized bill to confirm amouts owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding an auto loan for a XXXX XXXX XXXX that is erroneously being attributed to me. I firmly believe that I am not financially responsible for this loan, as it was explicitly assigned to my ex-wife as part of our divorce settlement. 

To provide some context, my ex-wife and I finalized our divorce on XX/XX/XXXX. During the divorce proceedings, the division of assets and liabilities was meticulously examined and agreed upon. The auto loan in question was explicitly included in the division of liabilities, with my ex-wife assuming full responsibility for its repayment. 

However, despite our divorce decree clearly outlining the allocation of debts, XXXX XXXX XXXX continues to hold me accountable for the auto loan. I have made multiple attempts to resolve this matter directly with XXXX XXXX XXXX, providing them with the necessary documentation and legal evidence to support my claim of non-liability. Regrettably, these efforts have been met with indifference, resulting in continued demands for payment and negative reporting on my credit history. 

I respectfully request that the Consumer Financial Protection Bureau intervene in this matter to rectify the situation and ensure my rights are protected. Specifically, I am seeking the following actions : Removal of negative credit reporting : I request that any negative information associated with this loan be promptly removed from my credit report, as it inaccurately reflects my financial responsibility. 
Cease and desist all collection activities : I insist that XXXX XXXX XXXX immediately cease all collection attempts related to the auto loan in question, as it is not my liability and continues to cause unnecessary distress and inconvenience. 

I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to rectify the unjust treatment I have endured. I am confident that with your intervention, this issue can be resolved in a fair and just manner, relieving me of any unwarranted financial obligations and protecting my consumer rights. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of my financial integrity. 

Sincerely, 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 2023-08-24
Company: Experian Information Solutions Inc.
State: WI
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:
15 U.S. Code 1666b - Timing of payments States that, ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

XXXX is illegally using my credit report by improper reporting and refusing to remove the improper use. This is a violation of my federal rights.

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 2022-12-13
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I bought a car XX/XX/2022 and they added extra fees without my knowledge I was told the car was XXXX plus tax and title fees but after signing everything my grand total jumped to XXXX. I went back the next day to cancel my loan and give car back which I have emails to prove. They also sold a car with bad brakes and incorrect lights that had me driving the car with no lights. I had my kids in the car which was extremely dangerous. I then had a meeting with XXXX XXXX who said he would buy my car back for what he sold it to me for since I was so unhappy about the purchase. I asked him to put it in writing and he sends a completely different email. I get a copy of my auto contract from Ally financial and I also got a copy of contract from the dealership XXXX they are different. This dealership is fraudulent.

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 2018-10-26
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I opened a dispute with Experian for XXXXXXXX XXXX who is reporting a {$70.00} debt since XXXX, and now they are stating on my report it will not come off until XXXX..the account has been charged off..XXXX XXXX keeps changing debt date to keep it on my credit, that is the only way they could hold this debt until 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 2023-08-06
Company: EQUIFAX, 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:
I, XXXX XXXX, am submitting this complaint in light of the negligent actions of the credit bureaus in their failure to promptly address and rectify the fraudulent accounts opened under my name. 
In XXXX my personal and financial information was exposed as part of the widely-publicized Equifax data breach. Like many other unsuspecting Americans, I entrusted Equifax with my private data, believing that they would safeguard it diligently. This exposure left me vulnerable, a fact I became painfully aware of when I began to notice suspicious entries on my credit report. 
In my efforts to address these concerns, I sought the help of a credit repair agency. Tragically, this endeavor only deepened my troubles. Unbeknownst to me at the time of engagement, this agency was a fraudulent entity, aiming to exploit individuals like myself. As a result, they not only failed to repair my credit but utilized my already compromised information to open several unauthorized accounts, exacerbating the damage to my credit standing. 
I have made numerous attempts to have these fraudulent accounts removed. 
Despite taking these necessary actions, the response from the credit bureaus has been disheartening. They have either dismissed my claims or provided only generic responses that do not address the core issue. 
The emotional and financial strain this situation has placed upon me is immeasurable. Not only am I constantly anxious about further financial violations, but my ability to undertake basic financial activities, such as securing loans or applying for housing, has been severely compromised. 
The lack of accountability and urgency from the credit bureaus in correcting their records stands in stark contrast to the trust consumers are expected to place in them. I, and many others, depend on these agencies to maintain an accurate reflection of our financial history. Their current approach not only damages individual lives but also undermines the very essence of trust in our financial system. 
I hope the CFPB will recognize the severity of my predicament and take swift action. It's essential not just for my peace of mind but for the larger message it sends about the importance of consumer rights and the responsibilities of credit reporting agencies. I am hopeful that with the intervention of the CFPB, I can finally find a resolution and move forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-27
Company: AMERISAVE MORTGAGE CORPORATION
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2018 I applied for a mortgage through Amerisave. I had been called so many times by so many places after leaving my contact info on line. I was trying to find out about the HARP program, which no one seemed to know anything about and if they did they all had different answers to the same question. A mortgage is frustrating. I finely came in contact with a man at the above mortgage company. He seemed easy to work with and all was good. He said it was approved, congratulated me and I found all the pay stubs, tax, insurance and on and on info. I payed them to have the appraisal done. I had no problem with this and knew it would appraised above what I was asking to mortgage. It did. My insurance was changed to their title company escrow, title orders, closing person picked out. Was just waiting for a date. Instead I received a email that denied my mortgage. I was so confused could not understand what could have gone wrong when everything was right. It was because the mortgage would be for a manufactured home. They do not do Manufactured home mortgages. No one told me this! I didn't know it made any difference. I spoke with XXXX online and he said he asked me if it was for a single family home loan, I believe that was the term he used. I said yes, I live in a home, only one family lives in this home. I did not know that meant " not a manufactured home '' how was I supposed to know that? He never once asked me if it was a MF home. I thought he had all the information on it, because he had access to get that info so I never gave it a second thought. I was extremely disappointed, I had cancelled another mortgage for the better terms. Since than interest rates went up My biggest problem is the {$610.00} I paid for an appraisal that was not needed on a mortgage I would never get. I was told by XXXX I would get the money back with the mortgage pay out, which was important it had come from my retirement savings account. Im not getting a mortgage so Im not getting that to put back and in fact they don't even want to reply to my emails asking for the {$610.00} to be refunded to me. Im not mortgage specialist, in fact I know so little and am told there is no one that knows all they should. Apparently XXXX XXXX just learned something, they don't mortgage MF homes. I don't think I should have to pay for his mistake, I cant afford to. I cant apply for another mortgage because other mortgage companies want to choose the appraiser That would be spending {$120000.00} just to have appraisal done making the expense of refinancing not affordable enough to bother refinancing after closing costs are added in. Please tell me is there anyway to get a refund of the appraisal fee? Thank you for your time : 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 monetary relief
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: TX
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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.

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 2019-10-08
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Business Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Billing or Collection Issues Problem description : I received a " FINAL NOTICE '' letter to settle a past due balance with " Juniper '' stating the balance due was {$3400.00}, but could settle the debt by paying {$1700.00}. The envelop was post marked from XXXX XXXX, IL XXXX on XX/XX/2019 XXXX XXXX L. I saved the letter and envelop. I have no knowledge of " JUNIPER '' or any debt to that business. I also read the warning by XXXX regarding XXXX XXXX and its principle, XXXX XXXX. I also read the information regarding the Government Action regarding this actor and business activities, conviction and punishment.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: CA
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Had a loan with   XXXX   and it was sold to  Bayview Loan Servicing . My final payment with  XXXX  was drafted on n    X/XX/2017 . I d id receive notice that Bayview would take over the loan. That is when things became a problem. I never authorized Bayview to do an electronic draft from my checking account. My final electronic check from  XXXX  on   X/XX/2017   indicates authorized by your depositor and the unauthorize draft from  Bayview in dicates authorized by drawer.     This would not have been a problem if Bayview would have informed me that they intended to use same drafting information from  XXXX . Trying to keep my good payment history I went into Bayviews website on  XXXX   XXXX ,  2017 a nd submitted an electronic payment for my first and worse payment experience with Bayview. Not until after the payment was submitted did I realize that the electronic payment from  XXXX  may move and this could cause my good deed to turn into a nightmare.     On Monday,  XXXX   XXXX ,  2017 I cont act Bayview and enquired about the payment. The agent instructed me to stop the payment at my bank. The same day went my bank and was told that the transfer is immediate and can not be reversed.   XXXX   on the same day contacted  Bayview  again and was told 21 days to get a refund. Told the agent that was not acceptable and placed in escalation. Was instructed by escalation department to fax the documents showing double payment and they would overnight my refund check.     The items did not show up on my account until   X/X/17     on the same day returned the fax with all the requested documents and even call. Was told then that my check should be in before Friday. Friday came no check in the mail. Call again on   X/X/17     and was told the check was processed and should have it soon.   X/XX/17   still no check.     Making two payment has created an extreme hardship on me and my family not to mention getting the run around from Bayview.     Surely something is wrong with this picture. I need help.     Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: JPMORGAN CHASE & CO.
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Chase was my first credit card, opened 18 years ago. 
I am not currently in the US. While I was away from home traveling, Chase closed my account without my consent because have not been using my Chase card for a couple of years. 
Chase sent me a letter saying Chase would be closing my account but I haven't received it. I have never seen or heard of a financial company canceling a long-term customer 's account without any reason. 
Now that Chase has closed my oldest credit card account, my credit score has dropped XXXX points. 
I'm really disappointed and I never thought my first Credit card company would close my account like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: WA
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 XXXX name and account number ; XXXX XXXX XXXX XXXX {$11000.00}, XXXX XXXX XXXX XXXX {$4900.00}, XXXX XXXX XXXX XXXX {$4900.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief