BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-07
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I XXXX XXXX have been trying to correct many errors as well as duplicate accounts on my report and it has been over 30 days with no response and also with no corrections so by federal law if they are unable to verify the information in 30 days or less then they must delete it. Also per federal law 15 usc 1681i ( a ) ( XXXX ) ( a ) they must delete the information being disputed while the investigation was ongoing and they failed to do so. As a federally protected consumer please help me in enforcing my rights to proper fair and accurate credit reporting. Thank you

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 2020-05-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I've opened multiple Citibank XXXX ( XXXX XXXX ) credit cards over the last few years and met all of the requirements to earn the promotional XXXX miles for those cards, and Citibank correctly deposited them in my XXXX account.

However, XXXX recently closed my account due to fraud related to my Citibank credit cards! This is completely false - I have followed all of the rules Citibank made.

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 2018-07-29
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: Old information reappears or never goes away

Complaint:
Equifax is reporting an outdated " hard '' credit inquiry on my credit bureau report that they provide. 
The inquiry is dated XX/XX/2016 and was made by XXXX. 

I have contacted them to have this inquiry deleted from my credit report, with no results. 

Under the terms of the Fair Credit Reporting Act, or FCRA, passed by Congress, any credit inquiry that is 2 years old or older, must be deleted from a consumer 's credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Conduent Incorporated
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Have not been able to access the PA Eppicard website to look at child support amount for over a week now. Customer service has been zero help. Calling for balance charges you. The site needs to be accessible to check balance and transfer funds! I know I am not the only one having these issues. So I don't understand how they have not addressed this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AR
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:
" FINAL ATTEMPT TO RECTIFY THESE MATTER OUTSIDE CLASS ACTION EFFORT ''.

CEASE PULLING UNAUTHORIZED PROMO INQUIRIES FROM XXXX  CREDIT PROFILES, ESPECIALLY WHEN CONSUMER HAD OPTED-OUT. THIS IS A VIOLATIONS OF THE F.C.R.A. AND THE " DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. STOP DEFLECTING OUR ATTEMPTS USING CFPB PORTAL FOR YOU VIOLATE TITLE X.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: FACTUAL DATA CORP.
State: TX
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:
On XX/XX/2018 Factual Data made an inquiry on my XXXX  credit report. Because I never authorized Factual Data to pull my credit report, I contacted Factual Data demanding they show valid proof they have permissable purpose to pull my credit report pursuant to The Fair Credit Reporting Act. Factual Data never responded with any type of valid proof that they had permissable purpose to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: JPMORGAN CHASE & CO.
State: AR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
Contacted lender on XX/XX/XXXX to verify the payoff amount which includes a residual amount value. The lender stated the residual value of the vehicle to be XXXX. I have the original copy of the lease agreement. It shows a residual amount to XXXX. At that time, the representative said that it would take 10 days to investigate the discrepancy. I then waiting the prescribed time period and called again. The representative said that the residual that was shown on my agreement was correct. He then proceeded to tell me that value of the residual in their system would be corrected to match the contract and that it would be complete by the end of business on XX/XX/XXXX. I called again today, XX/XX/XXXX and the automated system still reflected the incorrect residual amount. I spoke with a live representative again. This time they stated that the residual amount shown on my contract did not include " taxes and fees '', and that the amount in their system was correct as is. We called one more time, on XX/XX/XXXX. This time, they said that they have a contract that shows the residual amount of their system. I do not recall signing two contracts. This is, in my opinion fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I am writing in response to a series of request from Ally Financial that I allegedly owe an outstanding invoice for an amount of {$2200.00} after I returned my leased vehicle and was granted a one-month extension by Ally. As a matter of fact my lease return was due at the end of XX/XX/2018, I had called Ally agreed to an extension of one-month documents were generated and a signed extension was sent back that should have entitled me to an additional 1000 miles and an additional 30 days. Furthermore I was never provided upon disposition of the vehicle of any receipt by your dealer at XXXX XXXX XXXX in XXXX New York that would substantiate the damage your are alleging of the excess mileage and total daily extension you are falsely claiming Lastly, I have was directed to a website which never worked to inspect all relevant report post disposition of the vehicle, kindly provide all report produced by ally, XXXX or its agents in conjunction with the return and alleged property damage. The extension contract was never applied I have sent them {$600.00} as a payment someone from their executive office reach out saying she will be handling the matter pertaining to the excess mileage and the excess leasing days and never actually followed up.

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 monetary relief
Consumer complaint received 2018-03-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen LN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Our client received a letter dated XX/XX/XXXX stating she had until XX/XX/XXXX to respond regarding a choice between a Loan Modification and other Pre-Approved Options. Our clients response, stating they wanted a short sale, was sent to the bank onXX/XX/XXXX via certified mail. Ocwen confirmed on XX/XX/XXXX that they received their response.

Our client was told that if they did not want a Loan Modification they would have 30 days to provide a short sale package, at which point Ocwen would review them for a short sale.

On XX/XX/XXXX and XX/XX/XXXX we submitted documents for a short sale, of which Ocwen has confirmed receipt. Even though Ocwen received a short sale package within the specified time frames, they are refusing to review for a short sale and instead will be taking the property back at auction on XX/XX/XXXX.

We have also been told by Ocwen that the short sale was declined onXX/XX/XXXX -- before the due date for the borrower 's response.

This goes against what Ocwen had previously told the homeowner. Ocwen has purposely deceived the homeowner multiple times. They told the homeowner multiple times that the auction date was on hold and that they would have time to do a short sale. However, when we call in and speak with Ocwen they state they will not postpone the auction date and have every intention of taking the property back at auction on XX/XX/XXXX, regardless of what other reps have told the homeowner.

In addition, Ocwen does not have any kind of appropriate valuation on the property. They are valuing this house, built in the XX/XX/XXXX, against homes that are maybe 5-6 years old. Ocwen has a value of $ XXXX in their system, yet they have never had anyone inside their home. Ocen takes their values from XXXX, who has publicly admitted to inflating their values by 20 % across the board. Is Ocwen refusing to review this offer because they dont want to admit their values are inflated and therefore unrealistic?

Or. Is Ocwen simply discriminating against a XXXX borrower? They have already like to the borrower multiple times. They have no realistic value in their system, and are stating they are simply going to take the property back on XX/XX/XXXX even though Ocwen stated the homeowner would have 30 days to pursue a short sale.

Ocwen has already been fined for this type of illegal behavior. Obviously they have not yet learned their lesson.

I want Ocwen to review the borrower for a short sale, like they told her they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
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: Public record information inaccurate

Complaint:
I have requested Equifax to remove a medical account from my credit report and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX XXXX I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. 
My only address is XXXX XXXX XXXX XXXX, SC XXXX please remove : XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX MY SS XXXX PLEASE REMOVE ALL OTHERS THEY ARE NOT MINES.

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 2021-03-03
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding misleading/inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response as of yet. I feel like I am just a number instead of a real person. I feel like I'm being taken advantage of and being ignored of my disputes. As mentioned to each company my information was compromised in the Equifax data breach. At this point more than ever I believe my information may have got into the wrong hands. Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: SUBURBAN MORTGAGE, INC.
State: AZ
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:
My mortgage was service transferred to XXXX almost two years ago. Suburban mortgage has continued to report this mortgage as open with them and now I have my mortgage counting twice on my credit report, which is affecting my debt to income ratio and my credit score. This inaccurate credit reporting has harmed my credit worthiness and impacted potential lending. This is predatory and illegal and must be fixed within 30 days, according to the Fair Credit Reporting Act. To be clear, I only have one mortgage, not two. Suburban mortgage has continued to report my mortgage, even though their reporting reflects no payments. Potential creditors are counting my mortgage twice due to this abhorrent error made by suburban mortgage. If this is not corrected within 30 days, and a written resolution is not sent to me advising that it has been corrected, I will be filing litigation against Suburban mortgage and will seek reimbursement for my legal costs and other financial impacts this error has caused.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
on XX/XX/2019 Chase sent me a letter that they are ending their relationship with me. They immediately closed the 3 cards I had with them and my checking account. No reason was stated and I called several times to resolve the issue with no resolution. I have been a chase customer for over 8 years and have always been a loyal customer never missing a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: EQUIFAX, INC.
State: UT
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:
All 3 major credit bureaus have illegally hoarded my personal information without this consumers express written consent, pursuant to the 1974 privacy act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the fair debt collections practices act, all 3 bureaus mulishly and collectively shared this consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions and a host of others.
Fair Credit Reporting Act False and Misleading Practices Truth and Lending

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
My name is XXXX XXXX. There is a very old account that continuously reports on my credit file with XXXX XXXX XXXX ( account number XXXX ) and it's past the statutes of limitations and needs to be deleted immediately.

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 2021-04-30
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: Account status incorrect

Complaint:
XXXX ; Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. 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 ; and XXXX XXXX - XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2020-05-18
Company: Experian Information Solutions Inc.
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 sent certified mail requesting Assignment of Debt, Validation of Debt and Method of verification for the following accounts with Experian, XXXX and XXXX and have not receive this information. It has been over 30 days. 

XXXX XXXX XXXX : 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 explanation
Consumer complaint received 2018-07-29
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
ONEMAIN AND XXXX XXXX HAVE NOW MERGED! THEIR BUSINESS MODEL HASN'T, THEY CONTINUE PULLING PROMO INQUIRIES FROM XXXX, AFTER CONSUMER OPTED-OUT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: EQUIFAX, INC.
State: NV
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 am a consumer and I feel that my federally protected consumer rights have been violated. Ive contacted the companies that have been reporting on my consumer report and they told me that they do not operate under the Fair Credit Reporting Act and that they dont have to follow under Congress Guidelines 15 USC 1681. I have sent copies of the violations to the credit bureaus and companies but they have ignored everything that I have sent them assholes. The violations included : 15 USC 1681b ( a ) ( 2 ) 15 USC 1681c ( a ) ( 5 ) 15 USC 1692g. 

I never have written consent to any of these XXXX who caused me injury by reporting false and inaccurate items on my consumer report. These items have caused denial of extension of credit, denial of bank accounts, and denials of loans. These are the accounts that I wish to be removed from my consumer report : DEPT OF ED/XXXX acct # ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # -XXXX XXXX XXXX acct # -XXXX XXXX acct # -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a back payment of XXXX from VA unemployment, I was laid off in XX/XX/2020. Like many Americans the unemployment office was taking months and weeks to process and approve my unemployment claims. Now Chase Bank has decided to hold all my money and interfere with my unemployment Direct deposits and will not tell me why. I have rent, food to buy for my family. They are holding my money hostage and will not tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm not aware of a XXXX XXXX for a vehicle repossession.

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