BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was impacted by the COVID19 disaster and inquired about refinancing with my current lender in an effort to maintain my perfect mortgage payment record. The refinance did not go through, but I was still impacted by the pandemic. I was told that negative reporting would be suppressed during the time I was impacted, but it appears I was just reported 30 days delinquent. 



I have never missed a payment. I should not be punished for a situation that was out of my control. Please amend the incorrect reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Riverwalk Financial Corporation
State: OH
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 looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, 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 2022-12-22
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: Information belongs to someone else

Complaint:
See attached As requested all documents have been provided please get this taken care of within 4 days as you are required to do by law XXXX XXXX XXXX XXXX XX/XX/1997 Address last 2 years 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 2022-05-15
Company: Experian Information Solutions Inc.
State: TN
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:
My wallet was stolen and someone used my information to open up accounts in my name

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 2020-06-11
Company: ERC
State: OH
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 looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, 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 2023-08-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
See attached As requested all documents have been provided please get this taken care of within 4 days as you are required to do by law XXXX XXXX XXXX XXXX XX/XX/1997 Address last 2 years XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
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 found a charged-off account from XXXX Card that does not belong to me on my credit report. I reached out to XXXX Card by certified mail requesting that they provide and prove the Validity of the Account. XXXX Card did reply or respond to my Letter. I tried calling but the Representative said she did not have access since it is charged off and could not help me. I sent XXXX Card a second certified mail asking them to provide a proof or a signed agreement/document with my signature to Validate the Account, but I still did not get any responses. XXXX Cards failure to respond within 90 days of receipt of my certified letters is a violation of the Fair Debt Collection Practices Act ; therefore, XXXX Card should delete all entries from all credit reporting agencies. 
Negative mark placed on my credit reports ( including Experian, XXXX, and XXXX  ) from XXXX Card for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if they can not prove the validity of the account, XXXX Card must request that all credit reporting agencies delete the entry. 

Account Number:XXXX XXXX  Card XXXX XXXX XXXX XXXX DE 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 2018-08-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage company is threatening to forevlose and they do not have my records of past mortgage that was transfered to them by XXXX. I was assured in communications all my documents would b sent. I was granted a 60 day stay / grace period due to transfer. Carrington is failing to accomodate their own words. Carri gton threatened me with un official certified mail in an attempt to threaten me. It is NOT CETIFIED MAIL. I contacted the USPS and they assured me it is an envelope to resemble threat of official letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
CC : XXXX XXXXXXXX XXXX Fraudulent Client Account # XXXX XXXX Account # XXXX Fraudulent Claimed Amount {$520.00} First and foremost, XXXX XXXX XXXX  XXXX have no federal, state and chartered authority to request Personal Identifiable Information ( PII ) from any U.S. consumer such as my SSN, DOB, Drivers License, as such.

If you can not be trusted in small matters { i.e., utility bills ) ; who will trust you ; or debt collection firm in large matters. { i.e., Privacy laws } * The Privacy Act of 1974, as amended, 5 U.S.C. 552a As a any prudent U.S. citizen do, XXXX XXXX XXXX XXXX completed a annual credit check ; to preserve & protect my identity and good name. A debt collection company named " XXXXXXXX XXXX XXXX, located in XXXX, Washington, falsely claimed that XXXX XXXX XXXX owned & owed some commercial property in the state of Georgia ; as well as, XXXX XXXX had a utility account with the XXXX XXXXXXXX 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 2018-03-10
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried to resolve this issue numerous time through with XXXX XXXX directly and also a previous compliant with CFPB. My student loan account is being INCORRECTLY report. I was awarded a forbearance from XXXX XXXX XX/XX/XXXX and XXXX is incorrectly reporting late payment. XXXX claims that such reports would not be updated due to regulations the FCRA of the initial accurate reporting. Contrary to these assertions, by failing to update previously reported information, XXXX is in violation of Section XXXX ( a ) ( 2 ) of the FCRA. I have attached an FTC advisory opinion ( below ) which interprets Section XXXX ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the XXXX XXXX ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. XXXX awarded me a forbearance starting XX/XX/XXXX through XX/XX/XXXX thus my payment history should report as such. * This fact is also stated by XXXX that they in deed granted a forbearance for that time period. XXXX ( a ) ( 2 ) clearly shows that the reports must be UPDATED/CORRECTED regardless of whether they were accurate at one point. I am requesting that in compliance with Section XXXX ( a ) ( 2 ) of the FCRA that the XXXX accounts showing a late payments from XX/XX/XXXX to XX/XX/XXXX be updated and/or corrected on my XXXX, XXXX, and XXXX XXXX reports. XXXX violations to XXXX XXXX ( a ) ( 2 ) of the FCRA and refusal CORRECT my credit report are currently causing damages to me personally and inhibiting me from receiving the best interest rates in my home buying process. Below is the link to the FTC advisory opinion I stated earlier. I have also attached payment history from web portal on the XXXX website showing my account coming out of forbearance and not starting repayment until XX/XX/XXXX. I have attached both screen shots and exported XXXX XXXX XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XXXX  Open/closed Closed Status 90 Days Late Past due amount {$360.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$0.00} Unauthorized inquiries CXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XX/XX/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 2022-02-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian failed to provide consumer with proper method of verification of XXXX allege XXXX late payments. On XX/XX/XXXX and XX/XX/XXXX Experian sent consumer an E-Oscar response claiming to have verified this dispute but failed to provide me with documentation they received from XXXX verifying the dispute. If no documentation was provided to Experian from XXXX that means that Experian verified this dispute by mere hearsay which is in violation of multiple FCRA violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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:
I need to report the following accounts listed below for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was lates on these accounts but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have this matter resolved ASAP XXXX XXXX XXXX XXXX  XXXX Balance {$900.00} ; XXXX XXXX Balance {$1400.00} ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00}

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 2021-02-12
Company: Square Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
First off, I have the XXXX transaction history file. I will attach the file below. 

Also, when I contacted my Financial Institution because I was scammed and a victim of wire transfer, Cash App closed the account and black listed all my accounts. I can't open a new account using my financial institution. 

On XX/XX/2020 a payment in the amount {$100.00} was sent to XXXX. 

OnXX/XX/2020a payment in the amount of {$200.00} was sent to XXXX XXXX. 

On XX/XX/2020 a payment in the amount {$500.00} was sent to ( XXXX Address ) to XXXX. 

On XXXX XXXX 2020 a payment in the amount {$500.00} was sent to ( XXXX Address ) to XXXX. 

I have copies of all the e-mails from Cash App. Most of the consist of " canned '' answers. I've never e-mailed the same person. I always receive a different person. When I asked that my complaint be forwarded to the Fraud Department, Cash App indicated they did that. Still nothing happened. They didn't even investigate the fraud. 

On XX/XX/2020a payment in the amount {$600.00} was sent to ( XXXX Address ) to XXXX. 

My financial institution was able to claw back XXXX of the {$500.00} transactions. Cash App blocked all the rest. 

Cash App will not provide the contact information, Name, Address, telephone number, e-mail or anything. Cash App says to contact the merchant through Cash App. Tried that and nothing happened. 

There was nothing received on my part. I'm betting all the above merchants are the same individual and that individual isn't even in the same location as my self.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We contacted our mortgage lender on XX/XX/XXXX with an email requesting PMI removal as per their instructions. We were told processing would take 7-10 days for a third party appraiser to come out and begin process. No response. 

We called the lender on XX/XX/XXXX to check on status and they claimed never receiving the first email. We again emailed the same PMI removal request. They confirmed receipt of email and told us it would be expedited. No response. 

Called the lender in early XXXX and asked about status to then be told the process takes 30-45 days! No response since then. 

Now that the 45 days have passed, we have still not heard from the lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: BBVA FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On Tuesday, XX/XX/XXXX, Simple sent my fiance a notice that it was, without cause, closing her account. They noted that they reserve the right to do so without cause per their rules. We are not complaining about their right to close our account without cause. What we are complaining about is the fact that they are now holding our entire savings hostage for an undetermined amount of time while they wait to send us a check for the contents of our savings. My fiance and I set up an account with Simple. In order to have a joint account, they require you to have two solo accounts, as well as a checking account. Upon receiving the email on the XXXX my fiance called Simple to see what the issue was. They notified her that by closing her personal checking account, this would also close our joint account as well. They told her that she should move money around as soon as possible so that we could have access to it. This was within 45 minutes of receiving the email. I immediately attempted to move all of our savings into our checking account so that I could transfer it to accounts we had outside of Simple. However, they had already locked down our money, not allowing us to transfer funds out, keeping the entirety of our savings locked away during a pandemic where either one of us could get deathly ill at any point. We also are getting married in a few months, and some of the money in our savings is earmarked for our wedding, bills which we would now have to put on credit cards, which we had hoped to avoid. The next day I called Simple and asked only two questions : Why was our account closed? When would we get our money back? Simple refused to answer both of those questions other than to say that they are allowed to close an account without cause at any time and that there was no timeline other than " as soon as they could. '' We also sent a message through their messaging system and were given the same, boilerplate non-answer. All we really wanted to know was when we would be getting our savings back. It seems that they think that this is their money, when in reality it is ours and they are holding it hostage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I did not open an account with XXXX. Furthermore, this loan was initiated in XXXX - XXXX and my credit report states that it was started in XXXX. This vehicle was resold and the amount that is stated as owed is also incorrect. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$13000.00} Open balance 14 XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( 3 yrs, 4 mos ) Account status 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 non-monetary relief
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: GA
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them 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 2020-06-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

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 2022-05-15
Company: Selene Holdings LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
SELENE FINANCE LP is a debt collector. On XX/XX/2022, on a Foreclosure Sale, XXXX XXXX, attorney from XXXX XXXX XXXX, XXXX, said that the lender SELENE FINANCE LP bought my property. It's ALL RECORDED ON VIDEO. I'm attaching two AFFIDAVITS OF FACT WITH PERSONAL KNOWLEDGE, TERMS OF SALE and the third accomplice is XXXX XXXX from XXXX XXXXXXXX XXXX, XXXX. 

SELENE FINANCE LP is attempting to STEAL my property. 
They are in violation of 15 U.S. Code 1692e ( 4 ) - False or misleading representations, the representation or implication that nonpayment of any debt will result in the seizure, garnishment, or sale of any property unless such action is lawful and the debt collector or creditor intends to take such action.

Company response to consumer: Closed with explanation