BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
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:
The accounts listed below are not mine and I am not aware of these accounts FTC FCRA violations 15 USC 1681 C-2, 15 USC 1681 C-1. I have previously provided FTC reports to the bureaus and they have failed to provide verification and delete accounts that do not belong to me. 
XXXX XXXX acct # XXXX {$150.00} XXXX XXXX XXXX Acct # XXXX {$650.00} XXXX XXXX acct # XXXX  {$2400.00}

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 explanation
Consumer complaint received 2017-07-08
Company: EQUIFAX, INC.
State: WI
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:
On all  XXXX  credit agency reports, it is listed that I filed Chapter  XXXX  bankruptcy on  XXXX -2013. I have filed a dispute with all  XXXX  agencies several times and they have come back with the decision that the information is accurate.   XXXX  It is NOT accurate as I filed a Chapter  XXXX  bankruptcy on that date and NOT a Chapter  XXXX . If they truly did investigated the dispute, they would have found this information was inaccurate and should have been removed from my credit reports.   XXXX  However, I do not believe that it was investigated, and this is fradulent activity on the credit reporting agencies part.   XXXX  I would like this bankruptcy information on that date removed immediately.   I have the paperwork of what type of bankruptcy was filed and am able to provide that to prove that this is inaccurate and should be removed from my credit report.   XXXX  Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I filed a dispute with chime my account was hacked and XXXX of mine was used on XX/XX/XXXX I received a email stating chime was closing my account I had XXXX in my checking account and the account got closed Now I have no idea where my Money is or how I will receive it back along with the XXXX that was used without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018 i filed a chapter XXXX bankruptcy in federal court. # XXXX XXXX. This bankruptcy was filed because i was threatened by the mortgage servicer and threatened with foreclosure. 
My home met qualifications for federal & state exemptions. My missed payments and fees were listed in my schedules. The mortgage servicer & underwriter did not object to the discharge. The mortgage servicer is still threatening me with foreclosure using the debt that was discharged. 
Please help. I ama victim. I am didcriminated against & violated by this servicer. 
XXXX XXXX XXXX XXXX XXXX IL. XXXX XXXX XXXX IL I am XXXX, XXXX and my source of income is unearned XXXX with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Credit Karma, LLC
State: NM
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:
The date in question is XX/XX/2019. Company involved is Credit Karma. Attempts to contact them unsuccessful due to the fact there is absolutely no way to reach any customer service representative. I received an alert by Credit Karma that my XXXX credit score had dropped by XXXX pts. This as a result of a " new chapter XXXX bankruptcy '' reported by my credit union. Also that my open XXXX loan was listed as closed. These 2 items are totally incorrect. Multiple items regarding supposed debts owed, incorrect. I contacted both my credit union & XXXX ( I filed a dispute ). Neither companies had any facts as described above. Advised by XXXX to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: AES/PHEAA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was approved to begin tracking payments for Public Service Loan ForgivenesXXXX with XXXX. XXXX incorrectly calculated my qualifying payments and dates of employment. I would like this resolved so I can begin tracking my progress toward loan forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Company: Consumer Credit Counseling Service of the Midwest, Inc.
State: PA
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:
XXXX manages payme to for this account through their XXXXXXXX XXXX XXXX all payments have beenade on time per the agreements with the creditors but the creditors XXXX and XXXX have reported adverse actions on my account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have reached out to the Credit Bureaus over 30 days ago and I am yet to receive a response from them, these items ate inaccurate and I would like for them ti be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: FIRST CALIFORNIA MORTGAGE CO., INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This bank is not operating under federal regulations. I am a XXXX  member in which is covered by the government, this branch denied access to my funds. XXXX XXXX dollars {$0.00} Available in my account. 

The Mission Act of XXXX Violated! 

XXXX XXXX  is aware of the situation

Company response to consumer: Untimely response
Consumer complaint received 2017-09-28
Company: Harley Davidson Financial Services 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: Information belongs to someone else

Complaint:
The account that appears below does not belong to me. I have reached out to the creditor and to the credit bureaus about this incorrect information that is reporting on my credit report. I am a victim of Identity Theft I have never ever had an account with these people. I have done all I can do by sending letters, conversations with numerous amount of people to resolve this matter. I am very mentally distraught! How can a person go through something like this and no one to turn to to get this matter resolved. I hope you guys can help me with this because I 'm tired of being dragged by the bureaus and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX manages payme to for this account through their Credit counseling services all payments have beenade on time per the agreements with the creditors but the creditors XXXX and XXXX  have reported adverse actions on my 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 explanation
Consumer complaint received 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account under ah + open end consumer credit plan as late for anv purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Javitch, Block & Rathbone LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX filed a complaint of an amount owed, for which I received a Civil Summons in XXXX. The amount due was in connection with a XXXX XXXX credit card. I was not aware of this debt before receiving the summons. After receiving the summons, I called numerous times to find out when these charges occurred and what they were for. XXXX XXXX credit department said I had a XXXX balance due on my accounts. XXXX XXXX said I should contact the collector, Javitch Block LLC. 

We have probably spent approximately 20 hours over the last 9 weeks trying to resolve this issue, most of which has been on hold with the parties mentioned above, attempting to get information on the charges. That doesn't include the emotional stress caused by this action. I have been told multiple times that the information would be mailed, but I still have not received that information, and they refused to email anything. Instead, they sent only only two statements from 2015 showing a XXXX  balance due, and which do not include any of the charges in question. If an amount was owed, why can XXXX XXXX not produce a simple account history so that I can review the charges made on the account? My understanding is that these charges were from several years ago, and I no longer have statements for them. According to CFPB.gov, banks should respond to complaints in 15 days. I find that doubtful, since I have been trying to get basic account history information from XXXX for 9 weeks, with no success, on an account for which they decided to take legal action against me.

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 2017-09-28
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A fraudulent check ( check # XXXX ) in the amount of {$400.00} was cashed at a US Bank location. The check was paid to someone that I did n't write a check out to and that I have never met named XXXX XXXX. I have a copy of the check - that includes his fingerprint. {$400.00} was subsequently withdrawn from my US Bank account even though the check was fraudulent. When reaching out to US Bank to try and get them to cover the {$400.00} as it was a bank error, they refused, and I was forced to cover the cost. I tried to track down the individual who cashed this check by reaching out to the US Bank location where it was cashed but they did n't have video surveillance. It is absurd to me that I am responsible for a fraudulent check that was cashed at a US Bank branch when it was their responsibility to prevent fraudulent check withdrawals and at the very least document when someone cashes a check at their branches. AND, if they have his fingerprint and his name, why was it impossible for them to identify the individual who cashed the check? Please help me!

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 2017-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I began disputing an incorrectly reported item on my credit report with TransUnion an XXXX/XXXX/XXXX. I initially requested validation of a reported debt with XXXX XXXX in the amount of {$520.00}. On XXXX/XXXX/XXXX they sent me an updated credit report stating the debt had been verified as requested and updated accordingly. They never sent me anything bearing my signature as requested. They did however update the entry on my credit report as disputed. I once again sent another letter requesting validation on XXXX. They sent me another credit report on XXXX stating the item was validated, updated as such and remains on my credit report. On XXXX I called TransUnion and spoke with a man named XXXX. I asked him what documentation does TransUnion possess to prove that this is indeed my debt? He responded by telling me we do not have anything nor are we required to maintain any documentation.? I told him that TransUnion is in violation of the FCRA section 611 ( a ) ( 1 ) ( A ) by not doing so. He told me there is nothing he can do for me except file another dispute. TransUnion has failed to validate this alleged debt on more than one occasion. Their failure to maintain accurate reporting on my credit file is hurting my credit score and my ability to qualify for a mortgage.

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 2017-09-28
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX my husband and I purchased a home in XXXX, The mortgage went thru XXXX  XXXX XXXX. In XXXX my husband and I divorced. He lives in the home that we both own and we are both still on title. There was NO quick claim deed executed. In XXXX my ex-husband remodified our home loan with Bank XXXX XXXX without my knowledge, consent or signature. The signature page on the mortgage paperwork has a line for my signature but my signature it not on the paperwork. The loan was changed from a 30 year loan to a 40 year loan without my signature. 
The mortgage loan on our this property has since been transferred to Seterus Inc. 
XXXX XXXX XXXX wont talk to me because the mortgage has been transferred to Seterus and Seterus says that they are not responsible because the remoificatation took place with XXXX XXXX XXXX. 
I am now being held financially responsible for a 40 year loan that I did not approve or sign for.

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 2022-04-28
Company: JPMORGAN CHASE & CO.
State: GA
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, JPMCB, Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on accredit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Velocity Portfolio Group
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted CKS several times on this matter. They are advised numerous times they do not own this account even though they are reporting on my credit report to XXXX, XXXX, and XXXX. I was advised to contact Velocity Investments at XXXX where that had the account transferred to and as the new owner. I spoke to Velocity Investments today XX/XX/28 and they confirmed they held the account and accepted the payment offer of {$360.00} along with the request to have the item deleted from my credit report. Payment made and Velocity Investment provided payment confirmation # XXXX. They also stated they would submit a letter in 10 business days confirming arrange. In result, CKS is still reporting inaccurate information to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
n accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXXXXXX XXXX Accout # XXXX, Account XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account : XXXX XXXX XXXXt # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX  XXXX XXXX XXXX  Account # XXXX, Account Name XXXX XXXX XXXX  Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Bankruptcy filing, has violated my rights. 

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Complaint was made to the companies about violating the privacy Fair Credit Reporting Act to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( XXXX ) XXXX About a fraudulent account opened XX/XX/2018 for {$2500.00}. 
And XXXX XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting Act. This account has violated my Federally Protected consumer rights to privacy and confidentiality under 1 In accordance with the Fair Credit Reporting Act. This account has violated my Federally Protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
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 Lao states a consumer reportito communicate with me under the the 15 U.S.C. 1692 C5 U.S.C. 1681. 
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 Lao states a consumer reporting agency can not furnish my account without written instructions In accordance with Fair Debt Collection Practices Act. Debt collectors are not allowed ng agency can not furnish my account without written instructions In accordance with Fair Debt Collection Practices Act. Debt collectors are not allowed

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 2017-09-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
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 been in contact with my bank regarding my mortgage loan since XXXX XXXX after reviewing my credit reports and showing they are not submitting payments that are being made on my mortgage loan. I have contacted the company more than several times over the course of the past 5 months. Yet, they still have not updated the XXXX credit bureaus with corrected information regarding payments that I have made, also they have yet to reinstate my credit score. Which is desperately hurting me financially in many ways and continues to lower my credit score even further. I have brought this matter to USAA/XXXX corporation many times over the past 5 months. I have even recently contacted all three credit bureaus in which. Only XXXX has received any updated information. That information is still not submitted correctly by USAA/XXXX. I have been given the run around and the issues still have yet to be corrected by USAA/XXXX. I even contacted them this morning in which they stated everything had been submitted, corrected. Yet the credit bureaus stated either the information had not been submitted yet. Or is still incorrect. I also have yet to get my credit scorXXXX reinstated as USAA/XXXX should legally be doing after they failed to report payments made on my mortgage loan since XXXX XXXX. I have done everything in my power to get the company to fix the issues on my credit. However, it goes absolutely no where and causes myself and my wife more stress and wasted time sitting on the phone. I am now asking for your assistance in this very important matter. 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