BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
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:
This is my 13th 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 Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: Porania, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My XXXX account was frozen, and upon further exploration of the issue I noticed that an individual by the name of " XXXX XXXX '' had used my information to apply for a XXXX credit card, and made charges amounting up to {$980.00}. I personally have never applied for a XXXX Credit Card. However, I can see through my XXXX account that charges were made as early as XX/XX/2021 all the way up to XX/XX/2021. 

I contacted XXXX directly via email notifying them about the issue, in which they had prompted me to send proof that I am the XXXX Account user. This included sending photos of my ID, as well as photos of me holding up my ID, and a copy of my recent bank statement, showing the last 4 digits of by bank account number. Their resolution to this issue was to " unfreeze '' my XXXX account, although my account is still frozen and I have not received further communication from them. 

Further, I contacted Synchrony Bank which is the credit company who handles XXXX Credit Cards. After speaking to a representative from their fraud claims department, yet they only advised me to change my phone number, and they informed me that they would be trying to reach out to " XXXX XXXX '' to collect the debt. However, I was not informed as to how they would be planning to contact that individual, given that they clearly used my information to apply for the credit card in the first place.

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 2019-09-16
Company: ENCORE CAPITAL GROUP INC.
State: OH
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:
An account that can not be verified is listed on my credit reports. I attempted to contact the company, Midland Funding LLC at the address listed on the credit report. 
Midland Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Unfortunately, the US Post Office attempted to deliver the letter and found that the address does not exist. The letter is being returned to my home. A link to the tracking info is below. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX This letter was sent on XX/XX/XXXX. During the investigation by XXXX, the address for Midland Funding was changed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. 
This tactic imposed by XXXX has prevented me from contacting the business in a timely manner. In addition, the address in XXXX, Michigan has conflicting information listed in public records. According to the XXXX XXXX XXXX and whitepages, a company called Asset Acceptance , LLC is listed at this address. Below is a link. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: ALLY FINANCIAL INC.
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Re : Ally Auto Account Number ending in XXXX CFPB Number : XXXX See attachment with text message from XXXX, ensuring that contract will be updated. 

XXXX, Executive Customer Relations at Ally Bank is reporting that XXXX has reached out to me and that they have not heard back, I have text messages as proof that XXXX was sending me a new contract via overnight XXXX which they never did because the " manager is on vacation. '' It is factually incorrect that XXXX has not heard from me. Please resolve issue I have reached out to Ally today XX/XX/2023. I am writing to dispute the fact that Ally Financial is reporting my business vehicle loan to my personal credit. I was informed by the dealer that this was a commercial loan and that it would not be reflected on my personal credit. This deceitful act is in clear violation of credit reporting laws. This is in clear violation of the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that protects consumers ' rights to fair and accurate credit reporting. The FCRA prohibits creditors from reporting information to credit reporting agencies that is not accurate, timely, or complete. The FCRA also prohibits creditors from reporting information to credit reporting agencies that is not authorized by the consumer. In this case, Ally Financial is reporting information to a credit reporting agency that is not accurate, timely, or complete. Ally Financial is reporting a business loan to a personal credit report, even though the consumer was informed by the dealer that this was a commercial loan and that it would not be reflected on their personal credit. This is a clear violation of the FCRA.

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 2021-07-22
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new checking account with TD bank on XX/XX/XXXX under an online bonus offer to receive {$300.00} after receiving {$2500.00} in direct deposits within 60 days of opening. I've copied and pasted the exact terms and conditions below : " Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank withinthe preceding 12 months, open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offeravailable to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit fundsof {$2500.00} or more into the new account within 60 days of account opening. {$150.00} bonus available to eligible new personal checkingCustomers when opening a TD Convenience Checking account with cumulative direct deposit funds of {$500.00} or more into the newaccount within 60 days of account opening. Qualifying direct deposits are recurring electronic deposits of your paycheck, pension orgovernment benefits ( such as Social Security ) from your Employer or the Government. Person-to-Person and bank transfers between yourTD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Once the offer criteria is met, the bonuswill be credited into the new personal checking account no later than 140 days from account opening. Account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus ''. 

I previously held a TD account until XX/XX/XXXX, at which time I closed this account. It was 19 months before opening another account, clearly making me eligible for this bonus per the terms. I had several direct deposits into this new account over the first 2 months, accumulating well over {$6000.00} in direct deposits from salary. After 140 days I have yet to receive this bonus and when reaching out to the bank they state since I've had an account before they will not honor this offer, even after pointing out it had been over 12 months since holding a checking account with them. I have completed all required terms and satisfied the stated requirements per their advertised contract, yet they are refusing to honor their promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hi, my name is XXXX and I had a Tuition Answer loan with Navient. I filed bankruptcy in 2016, but continued to make payments after. Citing the recent court injunction- Homaidan et al., v. Navient Solutions LLC et al., case number 1:17-ap-01085 - Navient has been ordered to halt collection on this loan ( they have since transferred the loan to my co-signer ). Your website states that Navient has been ordered to return payments made after a bankruptcy case. Navient has refused to do so. I have called customer service to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: VANDYK MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My wife and I bought a house in XX/XX/2023. At closing, we paid the amount for XXXX and XXXX. The loan was sold from the originator ( VanDyk Mortgage ) to a different servicer ( XXXX ) effective at the end of XX/XX/2023. I made all payments on the loan except for the XXXX XXXX payment that was owed to the originator rather than the servicer. I accept that I owe that amount, but simply missed it because they sent me the information about the new servicer before it was even time to make my payment to the originator. I made all subsequent payments to the new servicer on time. 

In XX/XX/2023, I received a mailed statement ( attached ) indicating I owed the originator XXXX months of back payments, totaling {$19000.00}. The same information was added to my credit report. 

I reported this mistake to the originator via email ( attached ), pointing out that while I did owe the amount for XXXX, I clearly did not owe anything for XXXX, XXXX, or XXXX, because they had sold the loan to another servicer. I asked them to correct the false statement and the false information filed to the credit bureau that reflected an overdue balance of four months, instead of just one.

The originator replied in an email ( attached ) and directly said that : 1. They knowingly mailed me a false statement : " Unfortunately, the system gets confused when there is a pending transfer that goes delinquent, and it keeps adding the late charges and monthly payments every month until we receive the final payment and inactivate the loan. '' This indicates to me that I am not the only person to run into this problem, and that they are aware of it and mail out incorrect statements routinely in the course of their business.

2. They would not send me a corrected statement with the right total, or fix the false amount reported on my credit report, until I made the back payment for the missing XXXX payment. 

While I accept that I owe them the XXXX payment, and am even happy to make it immediately, I am concerned about a few things : - other mortgage holders who face this same challenge with this company are receiving false statements that mislead them into making overly-large payments that may never be returned - the originator is not allowed to refuse to fix the incorrect portions of my statement and credit report until I make a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Account has the wrong information status. it is currently showing open.

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 2023-06-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I try in some many ways to work with my lender. in 2022 we sent so many applications but it seems that the investor which is chase as well, cant even raise the payment so we can at least we can keep our property and continue with the mortgage payments. The reason of denials are unfair and are not based on our income expenses or debts. We were never given a breakdown of the income expenses and debt that were consider for the decision. The house is where my mother lives and after the death of my father during COVID-19 pandemic my mother began to fail with XXXX so im taking care of my mother and my name and my husband are in the note as well as my mother. We try to show our income and that we are capable to continue with the mortgage payment but chase just wants to foreclosure on our home. We try to work with the state but now the balance is avobe the limit and the state relief program cant work with us. The past due balance is now {$110000.00}. 

Please help us do something

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX 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 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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is XXXX as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( 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 2023-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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, creditors XXXX XXXX XXXX, XXXX, XXXX, Capital One and XXXX Bank have violated my rights to privacy. Under 15 USC C 1681 Section 602 states I have a right to privacy. 15 USC 1681 604 A section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: Experian Information Solutions Inc.
State: CO
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: Problem with personal statement of dispute

Complaint:
My information is being held hostage I can not get access to it. 

I have spoken with all three bureaus and demand written documentation that I agreed for them to collect and sell my information or show me written documentation that I agreed to be represented by any of these entities. 

I demand addresses for these data collection services so they can be served their notice of suit!

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 2022-11-16
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt has been removed by hospital but my credit hasnt been updated. Debt is still showing on credit even though Hospital has updated everything and I am at a XXXX balance. Medical debt collector still harass me even though everything is settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$400.00} ; NAVIENT XXXXBalance : {$16000.00} ; NAVIENT XXXX Balance : {$5600.00} XXXX NAVIENT XXXX Balance : {$110000.00} ; NAVIENT XXXX Balance : {$2200.00} ; XXXX XXXXXXXX XXXX Balance : {$120.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 I submitted letters to Equifax, XXXX, and XXXX asking them to reinvestigate the information previously disputed and provide who they verified the inaccurate information reporting on my credit report with and I have not received a response. The date is now XX/XX/2023 and I understand the next step is litigation, however I am giving the bureaus a chance to rectify this situation. I want to formally file a complaint and receive the fair response that I am due. Please hold these companies accountable.

Company response to consumer: Closed with non-monetary relief