BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: VA
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 mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
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 fraud alerts or security freezes

Complaint:
Experian does not allow customers to unfreeze without either A ) sending social security documents ( social security card, driver 's license and utility bills ) through the mail addressed to " Experian Credit Freeze. '' or B ) paying {$24.00} per month so that customers can lock and unlock credit at will. 

This is explained in an " educational '' article about the difference between a credit freeze and a credit lock. Within the article, scare tactics are used to influence the customer to buy " Creditworks '' by citing fraud and the darkweb. https : //www.experian.com/blogs/ask-experian/whats-the-difference-between-credit-freeze-and-a-credit-lock/ XXXX and XXXX allowed me to easily unfreeze my accounts free of charge. Experian gives the illusion that credit can be unfrozen easily by retrieving a PIN. This does not work and ends with a page about how to send in a letter with copies of ALL important documents. The outside of this envelope must say " Experian Credit Freeze. '' This seems to be a huge flag to anybody attempting to steal somebody's identity because the mail parcel is sure to have personal information in it. 

It is not fair that I have to choose between paying money or taking on a fair amount of risk to unfreeze my account. Not only that, but we are trying refinancing our home while the rates are so low. This is going to take a lot of time to have resolved by sending in my information by mail to the company. This will impact the rates that we can get on the refinance. 

There is no customer service to help me remedy the situation. The numbers given on the website use computer-generated options menus and do not have any options to speak to a person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have contacted Transunion several times in regards to accounts on my credit report. I submitted a request to validate the accounts on my credit report they only submitted a letter saying that the information had been verified. They did not send any proof.

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 2020-07-13
Company: TRUIST FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX, Transfer my mortgage to a next company and for some reason they reporting on my credit report as delinquency and late payment which is incorrect I was never late

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 2019-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Hello I just noticed that Capital One has marked an account that I was an authorized user on as closed. 

I need this fixed / late payments removed immediately, Unfortunately this is from a relationship that is no longer together ; however I wasn't aware of this accounts status as I have been out of the country. Please let me know what to do about these accounts below. 

OVERVIEW Credit limit {$500.00} Minimum monthly payment {$28.00} Opened XX/XX/XXXX ( 1 yrs,  10 mos ) PAYMENT HISTORY You've made 86 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX green_status green_status green_status green_status green_status green_status red_status red_status red_status XX/XX/XXXX green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status Current red_status Not current Last payment XX/XX/XXXX Payment status 90-119 Days Late Amount past due {$190.00} Worst payment status 120-149 Days Late ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Authorized User Remarks Canceled by credit grantor Times 30/60/90 days late 1/1/1 Closed XX/XX/XXXX The other account is OVERVIEW Credit limit {$500.00} Minimum monthly payment {$37.00} Opened XX/XX/XXXX ( 1 yrs, 3 mos ) PAYMENT HISTORY You've made 71 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX green_status green_status green_status green_status green_status red_status red_status red_status red_status XXXX green_status green_status green_status green_status green_status green_status Current red_status Not current Last payment XX/XX/XXXX Payment status 120-149 Days Late Amount past due {$260.00} Worst payment status 120-149 Days Late ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Authorized User Remarks Canceled by credit grantor Times 30/60/90 days late 1/1/2 Closed XX/XX/XXXX My account that is still open and active is the account that I have continued to keep open / current etc w no problems so I would really appreciate some help with this. 

I need the late payments removed // fixed on my report and the issue fixed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: TN
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Capital Accounts, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was referred to XXXX  XXXX XXXX XXXX XXXX for care by my other doctor. Please note this was a workers compensation claim which I am not required to pay any bills the insurance pay all bills. When I received a call from the collection agency Capital Accounts I informed them that the bill was incorrect an I only owe one late fee for a missed appointment. However, Capital Accounts would not allow me to pay anything but the whole amount and sent me information to the credit agencies. I don't owe a medical bill the doctor was paid she sent me to the collection for a missed appointment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted the debtor on XX/XX/XXXX requesting my signature or proof proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my three credit reporting agencies without providing validation of debt and the credit reporting agencies are reporting this inaccurate information to future creditors. this is causing injury to my person as i am not able to acquire new credit based on these false invalidated claims.

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 2019-04-14
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive 4-6 calls a day from this company, the first time I answered the phone to ask them to validate the debt is mine the collector asked you are XXXX XXXX? this is your debt! if you do not pay we have means to sue you after that I never answered another call. I blocked one number and I have now been contacted by 2 more. I dont like to be threatened or harrassed when all I was doing was exercising my right to prove that this debt is mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Beginning on XX/XX/2023 Ive been receiving a series of emails related to online banking applications being submitted in my name at Bank of America and those applications being accepted. Each time Ive received these emails, Ive contacted Bank of America to alert them that I did not open these accounts and I do not have and do not intend to open any Bank of America accounts in the future. Each time Ive been assured that the accounts have been suspended and my profile has been flagged so that additional accounts can not be opened. Nevertheless, I have continued to receive these emails and additional accounts have been opened. I have put fraud alerts in with all of the major credit unions but this has not prevented Bank of America from accepting all of these fraudulent applications 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 explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 


According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts, Account Number XXXX. XXXX XXXX XXXX XXXX ( The dates do not match on this one and are invalid. Furthermore the XXXX date is well past time to fall off. ) XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( this account has two different names and two different account numbers therefore it is incorrect and a validation discrepancy. ) XXXX XXXX XXXX XXXX XXXX XXXX, & XXXX CP XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: EQUIFAX, INC.
State: NV
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 am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX- Requested Debt Validation per XXXX Finance Code 392.202. 

XXXX- Violation of XXXX finance code. No one responded, sent another letter to cease the collection activity. 

XXXX- No response, and still reporting to 3 Credit Bureau 's .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax : Keep disputing addresses, receive notifications NUMEROUS TIMES the addresses have been deleted however the addresses are still listed!!!! There's a XXXX XXXX ( Never had one ) & XXXX XXXX XXXX. ( I lived at the XXXX AND A XXXX NOT XXXX XXXX XXXX ) Could you please make this happen once and for all? I can't tell you how many times I've disputed & received NUMEROUS responses they have been removed. It's under " Your Identity '' THANK YOU SO MUCH!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Last year we completed a loan modification with Mr. Cooper. Prior to the loan modification we would receive usually 1-2 calls a week regarding when we would be making our payment. We weren't late, they just called to find out when to expect payment. Since we completed the loan modification we are now receiving 1-4 calls per day Monday thru Saturday starting as early as XXXX : XXXX. I have asked them to not call as frequently as I am still not late with the monthly payment, but they continue to call 1-4 times daily. I have a record of their calls from my home phone that I have placed on a spread sheet to show day, time and phone number of caller. It isn't usually the same person, calling it varies. These calls continue until I finally make the payment usually around the XXXX of the month. Still not late until the XXXX of the month. Is it legal for them to call us 1-4 times per day asking when to expect payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX I was asked to send money in an email sent by a scammer. I did not realize it at the time and I sent them {$300.00} through XXXX with Chase. Chase refuses to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Reliant Capital Solutions, LLC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX XXXX I attempted to enter an income based loan rehabilitation program. I was told by the representative over the phone that I needed to submit a Financial Income Statement form, send proof of income, as well as a copy of the signed loan rehabilitation agreement. I completed the forms and submitted them via email and a payment was collected from me in the amount of {$5.00}. From XXXX XXXX - XXXX XXXX I made monthly payments in the amount of {$5.00}. I missed my XXXX payment and because of that in XXXX XXXX I made two payments. I was told that as part of the agreement after I completed the 10 payments my loans would be taken out of deferral. I made my payment in XXXX and due to my own fault I lost contact with the company. In XXXX of XXXX I made contact with the company with hopes of continuing or restarting the rehabilitation program. I was told that because I had never submitted a signed agreement that I was never actually enrolled in the program. So i was " voluntarily '' making payments. I would never volunteer money ( no matter how small the amount ) if it was going to count for nothing. The representative I spoke with tried to explain that in XXXX XXXX they sent me a letter saying they never received the document, but from XXXX - XXXX during our monthly phone calls my designated point of contact never mentioned that I was missing this documents. He gladly just took my {$5.00} payment. There clearly was gross negligence on Reliant Capital 's part for not making me aware that they were missing any information. And pure ignorance on my behalf because I should have followed up. Moving forward I want to correct the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I opened a new checking account online with Chase. I also opened a new savings account. I had already had an investment account that had no activity on it opened on the same login. 
I called about adding my spouse to my accounts- they told me to go in person to a branch to do so. 
I went to the XXXX branch on XXXX XXXX on Saturday XX/XX/XXXX. They told me that I would need an appointment - I have a XXXX and had someone pick me up to take me there. I told the girl that and she told me they'd try to fit me in. After two hours of waiting I decided to leave. They weren't helping. 
I funded the savings on XX/XX/XXXX by making a {$1000.00} transfer deposit to the account. On XX/XX/XXXX I made a mobile deposit by depositing a check of {$3500.00} from my current account at XXXX XXXX XXXX. 
On Monday, XXXX I tried to access my account online. As Chase 's customer service is horrible I decided to withdraw my deposits and close the account. I will bank elsewhere. My account had been locked. The message on the screen says : Important : We locked your account due to suspicious activity. 
To unlock it, call us at XXXX. 
So I called on Monday - XXXX- was transferred three times and sat on hold for 1 1/2 hours then was told offices were closed. 
I verified in my XXXX XXXX XXXX accounts that the {$4500.00} was already removed from my account and transferred to Chase. 
On XXXX I called and spoke with XXXX who is in a foreign country, dealing with US XXXX accounts- XXXX is now telling me that I need to go into a branch. I have a XXXX and am dealing with COVID issues. Not a good idea to have me go into a branch. 

So I called back - demanded a supervisor in the US. I spoke with XXXX- she told me to hold on so she can check my account and then disconnected me. She called back a few minutes later and grilled me on who I was. Told me that there was identity theft on my account. I am at the same address I was when I had my accounts in the past. I logged in and opened my accounts with my former login information. I also have a retirement account at Chase that is on my login. All the information they are telling me is incorrect. How can they suspect identity theft when I am transferring from my other bank account? My check deposit had my information on it as well as my address. 

I want my account closed and my {$4500.00} returned to me. Why are people in foreign countries allowed to take US accounts XXXX? Why are they even dealing with US accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Experian Information Solutions Inc.
State: NJ
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 honestly do not know who used my information to obtain a mortgage..all I know is when I applied for XXXX Charge was asked if I took out a mortgage in XX/XX/2019..Which I never did..

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 2021-11-02
Company: EQUIFAX, INC.
State: CT
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:
Equifax, XXXX and XXXX are infringing upon my rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) YOU HAVE A GRAVE RESPONSIBILITY to respect my rights to privacy. I DID NOT GIVE my writing consent for either of these companies to report anything to my consumer report, and you reporting these accounts to my report is a VIOLATION!!!!! Pursuant to 15 usc 1681a ( 3 ) ( e ) there is NO reason for you to do investigation, because if anything comes back factual it can not be furnished on my consumer report! SO THE BEST OPTION is for you to DELETE IMMEDIATELY! 

1. Identity Theft XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXXXXXX  This following accounts below show multiple inaccuracies on my credit report. These must be deleted immediately. 

1. Validate Account XXXX Account Number : XXXX**** 2. Validate Account XXXX Account Number : XXXX

Company response to consumer: Closed with explanation