BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
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: Personal information incorrect

Complaint:
I have tried to dispute incorrect address, and /or addresses that I have never lived at! I've tried to dispute them many times. 

Also my name, all the incorrect spellings of my name needs to be deleted.I have tried to dispute incorrect address, and /or addresses that I have never lived at! I've tried to dispute them many times.

Also my name, all the incorrect spellings of my name needs to be deleted.

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 2020-03-27
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
My mother was added to my account without my explicit verbal or written permission. When asked how I can remove my mother from the account, I was told I need to pay the balance in full before that can happen. They did not offer any other recourse or explanation as to how she was added to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: MO
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX Credit Bureau has not XXXX XXXX the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX. XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3400.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX. XXXX XXXX XXXX XXXX : {$1700.00} XXXX. XXXX XXXX XXXX Balance : {$860.00} EQUIFAX XXXX XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$2000.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX  XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Late/Closed XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3400.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00} 11. XXXX XXXX XXXX XXXX : {$1700.00} 12. XXXX XXXX XXXX XXXX : {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Persolve, LLC - Legal - Series 2
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX my mother received a phone call from " XXXX XXXX '' who apparently was attempting to contact me. I had not received a phone call, and the individual who called was not only rude and unprofessional, she indicated he disclosed information he should not have. I did contact " XXXX XXXX '' the next morning, XX/XX/XXXX, asking what this was in regards to. He refused to provide me with an address where I could send a request for validation, also refusing to provide further information about the company he was calling from when asked. He would cut me off as I was trying to ask a question, and then proceeded in threatening this account would be escalated to management to pursue. I do not feel any of the communication tactics XXXX XXXX used were appropriate, as I am entitled to request validation, and withholding information such as an address or the spelling of your company 's name is misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern : On Tuesday XXXX XXXX I received an alert from my credit monitoring service stating that I had a decease on my credit score. When I further investagaed the situation. I seen that I had an inquire from a company that I never heard of called CoreLogic " Credo ''. I researched the company and called the phone that was provided. I spoke to a representative, whom stated that they pull credit upon request from clients they service. She also stated that if I provided her with personal information. She can tell me which client that they had ho request to have my credit ran. Upon the rep checking she asked me do I know Penny Mac. I then in return let her know that penny Mac was my mortgage company, that I currently pay a monthly mortgage to. On XX/XX/2023 I also phone Penny Mac asking why did they pull my credit. I was then asked when was the last time I contacted Penny Mac. I stated that I had not contacted Penny Mac since XXXX of XX/XX/2023. I was told that transaction was done, but I had no knowledge nor did I give Penny Mac my consent. Penny MAC told that someone from their company would be investigate and I will email and follow up with a phone call. I didn't receive a call or either an email. I phoned them on Tuesday XX/XX/2023 and I was told that the investigation was open on XX/XX/XXXX and to give Penny Mac five business to complete the investigation. I was also assure that once the investigation completed that they would reach out to credit bureaus and XXXX on my behalf to correct this issue. Today is XX/XX/XXXX and I reached back out to Penny Mac. I was told that would have to investigate, which I told started on XX/XX/2023. I also requested to speak to a manager, which in return I was talked over, and giving information again about a ticket/ investagating will be done. At this point I have no where to turn and seeking help from you guys at CFPB. PLEASE HELP ME!!!!!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call regarding a HSBU account which I have never had it has never been on my credit report nor could the company provide any account information the billing address provided I have n't lived At since  XXXX  my credit history is only 2 years old seems to be some type of collection agency prior to my   XXXX   XXXX   account started  XXXX  I have not had a credit card since   XXXX   so I 'm totally confused, I tried to dispute with   XXXX   abd  XXXX   XXXX  disputes have been pending since  XXXX  I tried emailing  XXXX  companies regarding the disputes with no reply I do n't know where else to go it says open  XX/XX/XXXX  no inquiry no payment history nothing showing it would be my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Mohela is now the servicer of my student loans that originated in XXXX. I was previously with XXXX but they don't service loans anymore.I was switched to Mohela. I am eligible and qualify for XXXX. I have been a nurse at my company for over XXXX  years. They have not updated any of my previous payments. When I log on to my account it still says my employer hasn't been verified when I have sent in paperwork 5 times. I qualify for XXXX and they are not counting any previous payments I have made on student loans for XXXX  years. I have consolidated as I was advised to do and now they are billing me for a loan balance that is not reflecting any previous payments. 

I have attempted to call Mohela for the past XXXX weeks. I can't get anyone to pick up, I am on hold for hours while I am trying to work as a nurse. I need assistance in dealing with Mohela. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect information that's on my credit report. Which relates to late payments. It has been well over 30 days, and I haven't received any investigation results. Listed below are the dates and amounts. 

Credit Bureau : XXXX  AND EQUIFAX XXXX CARD XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX/XXXX  XX/XX/2019 $ XXXX   Monthly Payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was contacted from a person saying he was from Ocwen Mortgage used their XXXX number, claims to be a manager from the modification dept. Promises a modification to whatever amount we could afford ( since we are behind on payments ), and lures is to send through money gram {$1000.00} with an hour to an attorney to start the process. His name is XXXX XXXX continues to call from the XXXX number that belongs to Ocwen and also his own personal number that he told me to call. Continues to request more money! He is harassing me and threatening to foreclose. No one from Ocwen knows who he is they have started an investigation but I 'm still behind on paymentsand after trusting this person saying he was from Ocwen I can not make the payment. I need Ocwen to assume responsibility for this and return the money this person took from me and execute an honest modification.

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 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
All  XXXX  reporting agencies have been contacted numerous times per year, but my ex had enough control over things that no one believed that I was me. Medical accounts with major expenses were opened in my name, cell phone accounts were opened, my credit card and old bank accounts were misused after I had   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    by his girlfriend (   XXXX   XXXX   ) of many years, making this impossible for me to fight. The abuse to my credit did n't stop after my attorney was able to put him in  XXXX . She continued until about 6 months ago. Since my credit has been ruined by them and initially spent nearly $  XXXX  to get him out of my life, I have n't been able to recover and fight this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is another request for FCRA Method of Verification 611 ( a ) ( 7 ) / FCRA 611 ( ( 6 ) a ) ( B ) ( ii ) Trans Union has ignored my first request.

Please be advised I am exercising my rights under 611 ( a ) ( 6 ) ( B ) ( ii ) which provides a consumer may request " a description of the procedure used to determine the Accuracy and Completeness of the information shall be provided to the consumer by the agency, including the business name and address of any FURNISHER of the information and the telephone number of such FURNISHER, if reasonably available. 



Re : XXXX # XXXX......... that I initially disputed via CFPB Complaint # XXXX XXXX on XXXX/XXXX/223. The basis of my dispute was the XXXX XXXX XXXX XXXX XXXX XXXX which provides me a right to notice before my non public personal information can be reported and Title XXXX XXXX XXXX ( a ) ( XXXX ). I received notice on XX/XX/2023 that this information that is not suppose to be on my consumer reports in the first place without my instructions has been updated again. This is another violation of my Privacy Rights violating XXXX XXXX XXXX. 
Section XXXX which states I have a right to privacy, Section XXXX which states a credit reporting agency can not report an account without my permission. 
I submitted on XX/XX/2023 CFPB # XXXX requesting a Description of the Procedures used to determine and come to a conclusion that this account be updated. 

Trans Union IGNORED my request!! 

Trans Union Failed to provide a copy of the evidence that I requested substantiating their claims. I am requesting the XXXX of XXXX and you have not complied Please provide XXXX XXXX XXXX under XXXX ( a ) ( XXXX ) within 15 days or remove this account. I will contact the FTC and every agency that will listen as well as eventually take you to court seeking damages regarding this matter. Remove this account!

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 2023-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a credit card account with Bank of America in XXXX of XXXX. When payment became due in XX/XX/2022, I provided them with my checking/routing account number. They claimed the payment method was setup. Instead, they returned payment two months in a row and said there was an issue with my bank. It turns out, there was no issue with my bank, but instead Bank of America reps took down my checking account/routing number incorrectly ( this occurred two months in a row ). From there they proceeded to report delinquent payments which are showing up on 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 non-monetary relief
Consumer complaint received 2017-07-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This case has been going on for 20 years, there is NO debt that they, attorney   XXXX   XXXX   XXXX   and the company   XXXX   XXXX   XXXX  , as debt collectors could have EVER attempted to collect and have failed and refused to produce the original documents from the alleged XX/XX/XXXX  judgment of {$4000.00}. Since this debt was settled paid in full in  XXXX , TWO YEARS BEFORE the alleged filing of the claim, they can not have a claim without their admitted CONTINUING EXTRINSIC FRUAD with the presumptively inadmissible product and evidence of admitted fraud and now attempts to collect {$13000.00}. In earlier rulings by the court involving   XXXX   XXXX   XXXX   (   XXXX   v.   XXXX   XXXX   XXXX   ), numerous

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Fees or costs during the application process

Complaint:
XXXX Purchased home for {$170000.00} XXXX Requested loan modification due to financial challenges Rate : 6.3750 % Term : 30 years Maturity Date : XXXX Note Amount : {$170000.00} Signed XXXX XXXX Filed XX/XX/XXXX : Deed release XXXX XXXX XXXX from deed only. XXXX XXXX agrees to be responsible financially for property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Filed XX/XX/XXXX : Quitclaim Deed filed by JP Morgan Chase and appears it was forged. Signed by XXXX XXXX, XXXX XX/XX/XXXX. Modification Effective Date of XX/XX/XXXX. 

XXXX Did not receive a new modification loan agreement after XX/XX/XXXX until XX/XX/XXXX. 
Rate : 4.5 % Maturity date : 30 years XXXX JP Morgan Chase failed to provide payment history from XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX filed a XXXX deed removing XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX. 

XXXX Chase filed a quitclaim deed removing XXXX XXXX XXXX from financial obligations. It was signed by XXXX XXXX, XXXX XXXX with a modification date of XXXX. 

XXXX Loan Modification Agreement transferring it to FHA loan ( Never Approved ) Rate : 4.625 % Term : 40 years Maturity Date : XXXX Note Amount : XXXX Increased : {$13000.00} Signed by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX not sign due to FHA and the increase in principle of {$13000.00} XXXX XXXX XXXX XXXX countersigned XX/XX/XXXX Since effective date was XX/XX/XXXX the FHA XXXX listed above is negated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
In accordance with the Fair Credit Reporting Act ( XXXX XXXX ) has violated my rights. 

This is a medical bill that was reported on my credit report. The bill was entered with the incorrect medical code and provided to my health insurance. My health insurance will not pay it as it was never corrected by XXXX XXXX. I am unable to purchase my dream home with this negative remark.

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 2019-10-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On Friday XX/XX/XXXX I searched in the web XXXX for a XXXX XXXX which was listed for sale. I called the telephone number XXXX and talk to XXXX and XXXX about the details of the truck and price. They texted picture of XXXX XXXX XXXX XXXX model which I like the specification and price was agreed for this truck was {$15000.00}. XXXX whole sales company emailed the invoice for {$15000.00}. On XX/XX/XXXX XXXX called me and asked for {$2000.00} to security deposit to secure the truck. I paid {$1900.00} through Chase Bank telephone app XXXX. On XX/XX/XXXX XXXX called and asked to pay {$2000.00}, I paid through Chase bank telephone app XXXX, total payment of {$3900.00} to XXXX for the cost of truck. 
XXXX said they have two office one in XXXX XXXX XXXX, XXXX, TN XXXX and other is XXXX XXXX XXXX XXXX XXXX, CO XXXX and truck is located at XXXX, Co. On XX/XX/XXXX we flew to XXXX to pick up the truck. But we realized that we lost {$3900.00} because there is no company, no truck it was a fraud company. The following telephone number they used : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, they have two web sites XXXX and other one is XXXX. I contacted XXXX and Chase Bank fraud department but both refused to help me for the losses I incurred

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made an online purchase from XXXX. Never received the items and was charged {$160.00}. Contacted the company via phone and email with no response over a dozen times. Went to my bank, Citizens to dispute the charge. Received a letter from Citizens that there was nothing they could do because too much time has passed. Im only XXXX and thats a lot of money to me.

Company response to consumer: Closed with explanation