BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-16
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is a HELOC account not in litigation, it is a different mortgage from the first mortgage presently that is in litigation. I repeat This complaint HELOC account is NOT in litigation. This complaint is a different HELOC account number from the one in litigation. THIS IS NOT IN LITIGATION!!!! On XX/XX/XXXX I sent ( see attached RESPA request ) to Chase Research Dept regarding obtaining information pertaining to the HELOC I have been paying on since XXXX. All that I received for this request response is a letter for a payoff quote -- instead of an acknowledgement letter of being in receipt of my RESPA request ( and working on it ) which Chase was supposed to furnish me with within 5 business days of their receipt. I called today at XXXX and talked to a XXXX XXXX and she told me she had no knowledge of the response demanded letter but did receive my RESPA and she is not a lawyer. I told her it is highlighted in bold print ( see attached ) a response letter is due to me by now being way past the time for due letter response to me. This account number has been changed twice since the first different account number of origination. I am demanding this legally requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: TX
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
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 firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax responded to me on the cfpb website and said that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not on my credit report. I looked at my report on the XXXX. They readded the account back to my report illegally. This is aggravated identity theft equifax us commit oh Not only did I not authorize them to do so neither did give them written instructions. This a violation of rights and causing harm to my reputation. My score dropped XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My card was stolen and {$820.00} was spent off of my accounts on XX/XX/ i contacted chime ( TXXXX XXXX XXXX XXXX ) and filed a dispute with all the information they sent my a new card 3 days later and the representative told me my account would have provisional credits on XXXX  so on XX/XX/ chime denied my dispute saying they didnt recognize any error after investigation so the same day i filed a rebuttal because i told the representative my card was stolen and they denied my claim so with the rebuttal i was supposed to receive provisional credits XX/XX/ and i have yet to receive them i called over a 100 times and everyone says the same thing some of them hang up in my face when i try to ask going on with my dispute they keep saying they are escalating it to the investigation team and they will reach out to me but they still have not

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name 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 non-monetary relief
Consumer complaint received 2022-04-04
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a text and email alert that someone made a purchase ( Order # XXXX ) on my Macy 's credit card in the amount of {XXXX} on XX/XX/2022. The shipping address was addressed to : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX VA XXXX. 

I already resolved this issue with Macy 's and they are sending me a new Credit Card. 

Thank you. 
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 2023-10-28
Company: Io, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After making several attempts, This company still has failed to produce any and all contracts that I have signed with them showing that I gave them permission to collect from me and that they have a right to report late payments and debt increases to my credit report weekly and monthly. If they purchased this debt, provide the chain of title proof that they purchased this debt. I have yet to receive anything with this information and yet they are still placing negative information on my credit report every week and sometimes every 2 days. Additionally, This company sent a bill from another medical facility with personal medical information on it which is in direct violation of XXXX. At this point This company is knowingly harming my character and reputation and should be held liable for what they are doing. I do not owe this company I have never signed anything with this company and I dont know who they are. They continue to report late payments to my credit profile harming my life and the lives of my family. This is criminal and in DIRECT violation of SEVERAL FDCPA laws. Receivable Management company can not produce any contract because they do not have one. I am AGAIN making this complaint and demanding that this information be deleted from my CREDIT profile IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX THIS ISSUE HAS BEEN GOING ON. 
On XX/XX/XXXX Equifax received my certified mail with evidence of address, Unexpired GOVT ID and SSN Card by certified mail ending XXXX On XX/XX/XXXX, Equifax confirms receipt of all my documents to support my legal identity and update access to my online login. They are now applying stalling tactics despite all documents confirmed receipt and accepted. Equifax did not act on conducting a reinvestigation on all the accounts I challenged but now saying they have no documents to support my identity by stalling so I am seeking your help for them to stop playing around as I need to get my REPORT FIXED BECAUSE OF all the inaccurate DATE OF LAST ACTIVITY reporting of student loans, ILLEGAL INQUIRIES and VARIATION OF INVALID addressES. This is truly causing mE PERSONAL FINANCIAL ISSUES OF GETTING LOANS DUE TO ALL THE ERRORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
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:
I have an XXXX XXXX account which was opened fraudulently and I have submitted to the creditor as well as each bureau about the fraudulent account. XXXX No longer bills me for the account because it was fraudulent and two of the bureaus have removed it from my credit file. I have sent numerous letters to Equifax with police reports and they refuse to remove this account. They continue to verify the account with no factual basis. The original creditor is no longer collecting on it. I have asked them to provide me the information but they just say it was verified? Who was it verified with if the original creditor XXXX/XXXX  is no longer even collecting on it? And every bureau has removed it except them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I got behind on the mortgage in XXXX, sent a payment of {$17000.00} dollars to catch up account, which never got applied and placed in another area at Rocket Mortgage Company, then in XX/XX/XXXX applied for mortgage help from Ohio Housing Finance Agency, they returned a letter saying i'm eligible but Rocket Mortgage did not send the required documents to OHFA or myself until XX/XX/XXXX, letting the amount due increase, also I applied for a Mortgage assistance application with the mortgage servicer and have not gotten any response, also Rocket Mortgage still have not sent successor in interest documents to OHFA and claiming for over a year I didn't send the correct information to them which is clearly listed on the property deed for me to get the financial help available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have new and updated information. 

NORDSTROM invited me to write them when they have inaccurate information about me or what they've reported to a CRA, so I did. NORDSTROM acting as a creditor AND a debt collector at the same time isn't legal, not to mention unethical and they should know that. After reintroducing myself, I let them know our relationship didn't include them acting as a debt collector. I reminded them that I extended my open-end credit as the original creditor through a credit application, and they are the secondary creditor. The way they re-extend credit back to me is through my originating the transaction with my credit card ( Social Security Card ) to open and fully pay the account. 

My consumer reports show the receipt for the transaction on XX/XX/2022, verifying that NORDSTROM used my credit card ( Social Security Card ) to get a loan from the Federal Reserve using my identifying information and application - although they are not me and did this without my knowledge or consent - and is actively threatening me to make payments to them that I do not owe. NORDSTROM has taken MY money but has no right to do so. NORDSTROM has already been paid in full and I do not owe any alleged debt. Therefore, I have not validated any alleged debt and refuse to pay it. 

I want our credit relationship to be on the right track and told NORDSTROM what it takes for that to happen : stop communicating with me as a debt collector ; keep the account open, active and in good standing ; only report the account as paid in full and on time to the CRAs ; XXXX the balance out monthly because this is an open-end credit card that has already been paid in full when they used my credit card ( social security card ) and the card includes a finance charge which is the sum of ALL charges ; return all my monies that were illegally collected because of the false and misleading forms that were sent. 

NORDSTROM retaliated against me for my dispute and CLOSED my account. They did this behind my back AGAIN. No notice was given to me. Now they are sending the inaccurate information to CRAs and ruining my reputation. NORDSTROM has taken advantage of me and continues to violate my rights as a consumer and natural person. Whatever the internal policies of NORDSTROM, they can not and do not usurp the Truth In Lending Act, which came to be to prevent fraudulent activities. 

I want all my money back because I paid cash on this account for the time it has been active, which is illegal as the account is an open-end consumer credit plan and has a finance charge, which shall only be paid with credit. I want my account reopened with clean credit history as paid on time and in full on a monthly basis to all CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I ordered monthly phone service from XXXX XXXX XXXX per month. They couldn't port in my old number and after XXXX days of trying I returned their equipment. Now XXXX XXXX XXXX claims I owe them {$XXXX}. They sent me to Radius Global Solutions for collection and they reported the " debt " to the XXXX credit bureaus. I want this account removed from my credit report.

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 2023-01-23
Company: Experian Information Solutions Inc.
State: MI
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 declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number 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 2020-12-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am in the process of fixing my credit but Equifax has totally blocked me from checking my report or reporting any errors on their site. XXXX XXXX is also blocking my free annual report as well as XXXX. I am unable to obtain my account numbers to properly dispute making it impossible to fix any errors on my report. I can not obtain my free annual report from all 3 of these sites.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute the inclusion of inaccurate public information on my credit report, specifically regarding a XXXX XXXX  with the account number XXXX. I believe that this information is in violation of federal law, as outlined in 15 USC 1681. 

Upon reviewing my credit report, I noticed that the bankruptcy account mentioned above is listed, and it is inaccurately reported.. 

I kindly request that you investigate this matter thoroughly and take the necessary steps to rectify the inaccuracies promptly. As per my understanding of the Fair Credit Reporting Act ( FCRA ), it is crucial that information on credit reports is both accurate and fair. The inclusion of false bankruptcy information is not only damaging to my creditworthiness but also a violation of my rights under federal law. 

I request the immediate removal of the erroneous XXXX XXXX ( Account # XXXX ) from my credit report. I trust that your agency will conduct a comprehensive investigation into this matter to ensure that my credit report accurately reflects my financial history. 

I am prepared to provide any supporting documentation or evidence that may be necessary for your investigation. Please feel free to reach out to me if you require any additional information. 

I want to express my appreciation for your attention to this matter. Accurate credit reporting is vital to maintaining one 's financial standing, and I am confident that your agency will handle this dispute with the thoroughness and expertise it deserves. 

Thank you for your prompt attention to this issue, and I look forward to a resolution in a timely manner. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern, In approximately XX/XX/XXXX my husband and myself filed bankruptcy. At which time we elected to continue to make payments on our home in XXXX, GA. We continued to make our mortgage payments and rent the home. In the summer of XXXX we proceeded to sell our home to our tenants of many years. The home was not listed at the time, because it was a private sale. Upon submitting the necessary documents we found out there was a second lien on the home from the original line of credit. At this time I contacted the lien holder XXXX   and found out that it had been transferred to Specialized Loan Servicing. I contacted the company and found that even though we had been released from our personal obligation, the loan would have to be paid. With an additional amount of interest of nearly {$10000.00}. After weeks of negotiation we were finally offered a settlement for the principal amount. of {$16000.00}. The short payoff was given to us in writing on XX/XX/XXXX. However, the sell of the home was not finalized because the buyers withdrew 3 days before closing. This of course gave us an inability to pay this settlement. 
After, months of trying to sell the home again, listing it with an agent, we finally went under contract for the sale of the home again. 
Once again, I contacted Specialized Loan Servicing. At which time I again ask for a settlement, however once SLS realized that the house was under contract, I was told by them that they would not negotiate and that we would have to pay the full amount. I was also told that they of course could foreclose ( an intimidation tactic, I'm sure-because they would more then likely end up with nothing ) I spoke with the rep and supervisor, both telling me the same thing. 
On no level of professional business practice should this occur with anyone. 
The only reason they are not willing to negotiate just 7 months later, is because they are now aware of the sell of the home, and can try and get the principal and interest from us. The intimidation and lack of professional business practice makes this unfair to my family and any consumer. 
Again the only difference from the end of XX/XX/XXXX and XX/XX/XXXX is the fact they they were aware of the home sale.

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