BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX XXXX  Account name ( XXXX XXXX  ) : # XXXX XXXX XXXX account ( XXXX XXXX ) Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) number XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX of a has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: OR
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:
XXXX information services, XXXX and Experian are continuing to report inaccurate information on my credit reports after failing to validate my dispute letters that I sent to all three of the CRA 's about an account which is being reported inaccurately. ( XXXX  XXXX  XX/XX/XXXX Charge-off ) I spoke with the manager a minute ago at XXXX  XXXX  in XXXX ( XX/XX/XXXX ) ( XXXX ) about the data that is being furnished by the CRA 's and he mentioned to me that an " AUD '' document to uniformly correct the information on my credit reports was to be made and yet it shows that the reporting is still inaccurate and not what they provided especially with 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 2022-10-09
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I have been for the past 3 years trying to restore my identity and remove the fraudulent accounts opened online without my knowledge/ consent. 2 of which consist of XXXX XXXX XXXX credit card accounts reporting as XXXX opened on XX/XX/XXXX charged off {$7000.00} and XXXX opened on XX/XX/XXXX charged off {$6800.00} both accounts are being reported with the name XXXX XXXX XXXX the person whom committed the identity theft and in all police reports as well as federal complaints and reports ). The part that confuses me is in XXXX, the only credit card I owned was a secured credit card in which still shows in good standings. Not only that but I have provided to XXXXXXXX XXXX as well as XXXX and Experian all supporting documents required to substantiate the basis of the dispute which include ; copy of a police report from XXXX XXXX, Federal Trade Commision report and XXXX XXXX XXXX All supporting documentation contains account statements as well as the identifying information related to the specific person involved resulting in me being a victim of identity theft ( 16 CFR 603.2 ). 

I received a letter in the mail on XX/XX/XXXX from XXXX bank that states their reporting is accurate because " payments were made to that account. '' XXXX failed to include any supporting documents, yet is being permitted by both XXXX and Experian report these fraudulent accounts on my report. According to the Section 609 ( e ) of FCRA, I am entitled to ask for a copy of the original signed application contract as well as any other transactions on record XXXX XXXX XXXX used to determine the accuracy of information reported. 

Furthermore, as a person that is a victim of Identity Theft by both a known suspect and XXXX XXXX XXXX, with supporting documents, it is discomforting to know how I am currently homeless as a result of the damages done by others. 

In closing, the letter I received from XXXX XXXX XXXX regarding their " investigation reporting accuracy '' the XXXX XXXX XXXX and phone number is also inaccurate. Luckily I double checked just to verify sending my personal information to the wrong address.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 reviewed my Consumer Reports and noticed that I had an account that was being reported as belonging to me that is not mine. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. THIS IS NOT MY ACCOUNT account : XXXX XXXX  : Account Number XXXX Please investigate and provide Proof with statements showing that this account is mine. If proof can't be provided I demand this account be removed from my credit report. 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 2022-11-17
Company: EQUIFAX, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Consumer payment dispute on credit report Macys Late Payment dispute to XX/XX/XXXXand XX/XX/XXXX 

Macy 's falsely accused me of being late for the following months listed below when payments were received through my bank as auto payments. 

XXXX XXXX - 30 days late XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XX/XX/XXXX- XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX and XXXX - XXXX. 

This delinquent account record is inaccurate because I paid each month on time ; I did not know that Macys increased my monthly payments starting XX/XX/XXXX once the COVID -19 crisis was finally recognized, although my hours were reduced in XXXX, I still managed to make my original monthly payment on time. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent.

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 2020-02-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have resubmitted the recertification application for my Income based student loan to NAVIENT in XX/XX/XXXX along with a copy of my paystub that show a 2 week pay period. 
In XXXX, I received emails that my student loan monthly fee was increasing to {$740.00} from my original payment of {$220.00} This monthly payment is automatically deducted from my checking account as my payments are submitted from an auto pay checking account. 

I have tried numerous times to reach out to Navient by phone only to get the call dropped or put on hold for an extended period. I even resubmitted all off the required documents AGAIN only to be told they are collecting {$740.00} from my auto pay checking on XX/XX/XXXX. 
I explained that I had submitted the documents in XXXX and asked if the auto pay date can be extended until the end of the month to ensure the correct amount of {$220.00} could be withdrawn. I was told there was nothing that they could do and that I will be required to pay XXXX regardless of my income based payment plan of XXXX. I explained that I do not have the extra XXXX to pay this amount based on my income as a single adult grandmother with XXXX grandchildren. This creates an extreme hardship on my family as the only money allotted that is left in my account is the rent. I have made an effort for the past year and a half to make on time payments despite the hardship. At this point i will have no choice but to block this payment with my bank to avoid insufficient funds fees and this payment will be reflected as late on my record. 

Please help me - I have asked for a supervisor via my phone follow up with a customer service rep today but was disconnected I am still trying to reach a supervisor at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
JPMorgan Chase " owns '' my mortgage ( i.e., it is an internal Chase Loan ). This mortgage has been part of a mortgage forbearance program which, as of now, is due to end on XX/XX/XXXX. 
I have applied for mortgage assistance through JPMorgan Chase, as well as have applied to receive federal mortgage aid from the Homeowner Assistance Fund established as part of American Rescue Plan which became Federal Law in XX/XX/XXXX. 
XXXX Chase initially provided me with five ( 5 ) assistance options : 1 ) Modification 2 ) Forbearance Plan 3 ) Repayment Plan 4 ) Short Sale 5 ) Deed-in-Lieu of Foreclosure After further review, they informed me I was only eligible for the : 4 ) Short Sale & 5 ) Deed-in-Lieu of Foreclosure options. I requested in writing, but have NOT received, an explanation of why I wasn't eligible for : 1 ) Modification ; 2 ) Forbearance Plan ; 3 ) Repayment Plan I NEED to receive a full and complete explanation from JPMorgan Chase.

The Homeowner Assistance Fund in Texas will not start to be disbursed until XX/XX/XXXX ( which is after the current federal foreclosure moratorium date of XX/XX/XXXX ). I need to ensure my loan does not become endorsed for foreclosure after XX/XX/XXXX and prior to my receipt of federal funding pursuant to the American Rescue Plan. 

I believe the CFPB 's recent Final Rule, Protections for Borrowers Affected by the COVID-19 Emergency Under the Real Estate Settlement Procedures ACT ( RESPA ), Regulation X, protects me from any possible foreclosure activity until XX/XX/XXXX. I have sought confirmation from JPMorgan Chase that no foreclosure activity would commence before XX/XX/XXXX and Chase has NOT responded to me. 

Finally, the CEO of XXXX XXXX Bank ( a competitor of JPMorgan Chase ), publicly stated at the United States Senate Committee on Banking, Housing and Urban Affairs Meeting on XX/XX/XXXX, that for loans they own ( i.e., like Chase " owning '' mine ), XXXX XXXX extended its foreclosure moratorium until the end of XXXX. It seems like Chase should easily be able to do the same for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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 request these inquiries are deleted on my credit report as soon as possible

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 2022-10-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have requested verification of a negative item on my credit report. If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. But they responded XX/XX/2022 asking for more information about my dispute. 

I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. If any of that information is inaccurate or can not be verified, then the entire item is unverifiable.

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 2023-05-07
Company: Experian Information Solutions Inc.
State: IA
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 have already submitted a complaint with both XXXX and XXXX  stating that my XXXX XXXX XXXX XXXX Account # XXXX which was an Auto Loan that I had paid off in full and closed was reporting incorrectly. EXPERIAN states that I was 30 days late on XXXX or XX/XX/2019 and XXXX shows I was 30 days late on XXXX or XX/XX/2019 and XXXX is reporting CORRECTLY & shows NO late payments. So both EXPERIAN & XXXX are stating false information twice, XXXXne that it was 30 days late, and two they are both showing a different month or time in which they are reporting it being late. They have also now violated my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors by not doing a fair and accurate investigation to show accurate reporting and have this false information removed.

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 2017-11-12
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I opened a mortgage with XXXX XXXX XXXX for {$100000.00}. My monthly payment including taxes ( $ XXXX/yr ) and insurance ( $ XXXX/yr ) was XXXX per month. That payment remained the same from XX/XX/XXXX through XX/XX/XXXX. In early XX/XX/XXXX, the mortgage was sold to Mr. Cooper mortgage. When I received my payment information from Mr. Cooper, it had gone up by $ XXXX/month to $ XXXX/month! I called Mr. Cooper to discuss this and was told that my account was behind in escrow because my property taxes had gone significantly. However, I went to the county to talk to the tax assessor and was told that the property taxes only went up $ XXXX/yr. At this point, Mr. Cooper is saying that my monthly principle + interest is about $ XXXX/mth and my escrow is $ XXXX/month. There  is no possible way that I should be paying {$6000.00} per year in escrow. If my escrow account was behind, then XXXX XXXX would have told me that at the end of XX/XX/XXXX, or at the end of XX/XX/XXXX. That never happened. Instead, Mr. Cooper must be trying to skim money off the top of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Issue: Credit determination

Complaint:
In XX/XX/XXXX, I responded to an offer sent to me in the mail by American Express for a " Gold Card ''. At the time, I was a XXXX in college. I was approved for the card and used it for approximately one year. In XX/XX/XXXX, as a XXXX in college, I encountered severe financial difficulties and was unable to pay a {$1200.00} balance on the card. American Express refused to provide additional runway for payment, and subsequently closed my account and turned it over to collections. Between XX/XX/XXXX and XX/XX/XXXX, I was a struggling recent college graduate and was being hounded by the collection bureau hired by American Express. In XX/XX/XXXX, I settled the balance with the collection agency ( for less the the full amount owed ). The collection agency promised to me that this would not reflect negatively on my credit report, but that promise was not kept and the account was reported as a charge off. Fast forward to early XX/XX/XXXX, and my financial position had drastically improved. I attempted to refinance my student loans, but was denied because of the derogatory remark on my credit report from American Express. After several months of working with the American Express Credit Bureau Unit, I was promised that if I paid the remaining balance on the account ( {$300.00} ) then the derogatory remark on my credit report would be completely removed and that the account would show as paid in full. This is important because by making this change, the single derogatory remark on my report would be removed and I would be eligible to refinance my considerable student debt. American Express did indeed make a change to my report, however it was not the change they had promised me. The account now reads " Paid, was a charge off '', which is still a derogatory remark. upon escalating this issue with management at the American Express Credit Bureau Unit ( to a manager named XXXX XXXX ), he promised to review the recorded call in which a representative ( named XXXX ) made this promise to me. Earlier today, he informed me that he found no evidence of a promise. I feel taken advantage of and misled. I heeded the advice given to me by a representative of American Express, sent a considerable amount of money to the company, and am now being treated as a liar.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
Company: Telsa Motors Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I signed a PPA lease Agreement with Solarcity for a solar system installed on my home that gave me the option to purchase the solar system after 5 years at fair market value determined by an independent 3rd party appraisal per the agreement. Solarcity was taken over by Tesla. I have requested a payoff from Tesla for the last few years. Despite wear and tear, the payoff price for the system theyve given me has increased dramatically from the original quote I was given years ago to now over {$70000.00} for the system. Ive inquired with them as to how theyve determined these prices and theyve been unwilling to be transparent with that process. Ive asked if they would identify the independent 3rd party that is determining the fair market value and they were unwilling to divulge that information stating that is was proprietary information. I dont believe Im the only person running into this issue with Tesla regarding their solar PPA agreements and I just want to be certain they are indeed giving me the fair market value price.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation