BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX my husband gotten a VA loan 30 years ago, he passed away in XXXX I paid my mortgage faithfully for approximately 30 years then I had to refinance it when he passed away, well it was sold the mortgage from XXXX to Bayview mortgage company I fell behind on my mortgage because I was hospitalized during the XXXX outbreak, then my mortgage was sold again, to new mortgage company I called talked to them and they had me fill out paperwork for basically to take payments I was behind on and put it in the backend of the loan I was told, ,well fee months later I find out they sold my house out from underneath me, now I'm basically homeless, I was told many things by the new company and never happened,, especially when I was hospitalized during the XXXX outbreak, is there anything I can do I tried everything but no help from anyone, sincerely mrs XXXX XXXX ,my contact number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late

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 2021-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted these companies as well as XXXX  to get these matters resolve but they keep replying saying that inquiries are factual data that I authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: NE
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-16
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX account # XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

15 USC 1666B : A creditor may not treat a paymrnt on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-05-31
Company: FC HoldCo LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not apply for credit with these companies. These companies are listed as inquiries on my report but I did not authorize them to pull mu credit information.

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 2023-12-11
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Direct deposits are missing from my account, the bank he no answer why it never credited me. Also a merchant credited my account and also withdrew that same credit the bank performed a reversal never gave me a temporary credit and even after it was approved didnt credit my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : USDOEXXXX XXXX Balance : {$0.00} DP OF EDUC XXXX Balance : {$8800.00} DP OF EDUC XXXX Balance : {$9300.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$1100.00} DP OF EDUC XXXX Balance : {$5900.00} DP OF EDUC XXXX Balance : {$3300.00} DP OF EDUC XXXX Balance : {$8500.00} DP OF EDUC XXXX Balance : {$4900.00} DP OF EDUC XXXX Balance : {$7600.00} DP OF EDUC XXXX Balance : {$2300.00} DP OF EDUC XXXX Balance : {$7200.00} DP OF EDUC XXXX Balance : {$3800.00} DP OF EDUC XXXX Balance : {$8600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Early Warning Services, LLC
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I HAVE CONTACT EARLY WARNING SERVICES TO GET A REPORT OF MY INFORMATION THEY REFUSE TO OPEN AND ACCOUNT OR HELP ME WITH AN ACCOUNT ALSO REFUSE TO GIVE ME MY EARLY SERVICES REPORT TO EXPLORE THE INFORMATION FURBISHED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear Agent, I have been a credit card customer with Chase for many years. I went on vacation to the XXXX on XX/XX/2022 and used my Chase card less 5 times for lodging during my trip. 

When I returned home on XX/XX/2022 there were 7 letters waiting for me. The letters told me Chase was closing my accounts ; Including my credit cards, my checking, my savings, my XXXX Savings Account etc On XX/XX/XXXX JPMorgan/Chase notified me they were going to liquidate my investments and I should transfer my account by XX/XX/XXXX. 

After reading the letters I went into the XXXX XXXX, California branch to lodge a complaint. The acting manager told me there is nothing that could be done as this was a management decision. He had no further information or was unwilling to disclose any reason for the action the bank was taking. The letters indicate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, 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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2023-12-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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 XXXX XXXX " Dept Of EDXXXX '' is reporting an account/s to my Consumer reports that I didnt give any express permission or permissible purpose to report which is a violation of my rights according to law. 15 USC 1681b ( 2 ).

As a Consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801. 

My personal information is my business, my student loans are my NONPUBLIC personal information and Dept Of ED/XXXX have reported my nonpublic personal information without my consent to a non-affiliated third party which amounts to AGGRAVATED IDENTITY THEFT. 18 USC 1028A.

15 U.S. Code & 6801 - Protection of nonpublic personal information It is the policy of the Congress that each FINANCIAL INSTITUTION has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information.

According to the FCRA the above servicing company has violated my rights by providing my confidential and private information to a non-affiliated third party without my permission or without giving the proper disclosures.
Pursuant 15 USC 680XXXX Account # XXXX x 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 2023-12-09
Company: Experian Information Solutions Inc.
State: TX
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Didn't provide services promised

Complaint:
Subject : Urgent Complaint Regarding Unjustified Credit Score Drop and Poor Customer Service Dear Financial Protection Bureau, I am writing to file a complaint regarding a significant issue I encountered with Experian, one of the major credit reporting agencies. Upon logging into my Experian account online, I discovered a sudden and unexplained drop of XXXX points in my credit score. 

Upon further investigation, Experian claims that my XXXX XXXX account with a balance of {$520.00} is negatively impacting my credit score. However, this information is inaccurate. The reported balance and alleged negative impact do not align with the reality of my XXXX XXXX account, which is clean and in good standing. 

Despite my attempts to resolve this matter, I faced insurmountable challenges in dealing with Experian 's customer service. The first representative I spoke to was unhelpful and, to my disbelief, abruptly hung up on me. Subsequent attempts to address the issue were equally frustrating, with the second representative refusing to connect me with a supervisor. 

Moreover, I am troubled by the fact that every time I call Experian, my calls are directed to representatives in XXXX. This practice raises concerns about the security and confidentiality of my personal information, as I am required to provide sensitive details to individuals located outside of the country. 

I find it disconcerting that requesting to speak with a representative based in the United States is denied, and this restriction adds an additional layer of discomfort in resolving credit-related issues. 

I urge the Financial Protection Bureau to investigate this matter promptly, as the inaccuracies in my credit report and the unhelpful customer service practices at Experian are not only damaging but also reflect a breach of trust and adherence to regulatory standards. 

I appreciate your prompt attention to this matter and trust that appropriate actions will be taken to rectify the situation.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXXXXXX XXXX  is reporting A fraudulent account also with a pass to balance also as charge off XXXX. Also XXXX  XXXX is reporting A fraudulent account I have submit police report affidavit to the credit bureaus and is still not fix the problem or corrected it which is a violation of the fair credit acc.

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 2023-12-10
Company: CAINE & WEINER COMPANY, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These people continue to harass me over this XXXX XXXX yet they will not work with me on payments period they want all at once or none.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was used to purchase things from XXXX XXXX for {$190.00} in XXXX XXXX, CA. XXXX and XXXX XXXX {$22.00} in XXXX XXXX, CA. XXXX XXXX {$5.00} XXXX XXXX XXXX, CA. XXXX XXXX XXXX {$15.00} and {$10.00} XXXX XXXX, CA. These purchases were not made on XX/XX/XXXX and also not by me as I was in XXXX XXXX, CA at the time. I noticed my card was gone when I went to XXXX in the box on XX/XX/01 and had to use my phone to pay and when I got to my job I checked my account to lock the card and noticed the charges. Ive called my bank twice and at first they refunded everything, but on XX/XX/01 they declined my claim. I called them again and they said they declined it because I never reported the elite smoke charges even though I did so they refiled the claim. Then, I got an email saying they declined the claim and when I called again they told me its because they needed proof that I didnt use the card. However, they approved the claim for XXXX XXXX XXXX, but declined the other ones. Im unsure on how to get proof other than me buying food at XXXXXXXX XXXX XXXX XXXX in XXXX XXXX and my card being used at XXXX XXXX around the same time. I would appreciate any help thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
There was class action lawsuit that was filed against the university I attended thereafter in court declaring the dismissal of student loans if those qualified students that attended within the timeframe in which I was eligible. In my efforts contacting student loan servicer about this matter I was unable to get an answer nor was I able have the student loan dismissed from my credit report so I am in hopes of contacting you to find resolution regarding this matter and have student loans debt removed from my credit report. 
I am coping and pasting the case information for more clarification and details for your review. The U.S. Department of Education recently announced that it will approve federal student loan forgiveness for XXXX borrowers who were deceived by XXXX job placement claims and submitted a valid borrower defense application. The Department of Education is continuing to process new and existing applications and expects to approve additional claims. All borrowers with approved claims will receive full loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please examine the attached documents. I kindly ask the credit bureau to initiate an investigation into these accounts. Despite my punctuality, they are erroneously reporting me as being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX  - showing a balance of {$370.00} - The balance being reported is incorrect and not showing full payment of account. No balance is owed on this account. Please remove this account and no longer ( cease ) to report this inaccurate account information again. 
- Vendor verified this accounts balance and per their records this report is not aligning with their accounting, verify the balance or remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: OneMain Finance Corporation
State: SC
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:
XXXX is reporting {$9800.00} written off from One Main Financial. This account is incorrect as a settlement agreement was reached and {$4000.00} was paid making the amount written of {$5800.00}.

Company response to consumer: Closed with explanation