BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: NC
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 was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: CO
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 will attach my FTC Identity Theft Report, driver 's license and SSC. I am a victim of Identity theft. This has happen to me on multiple occasions. I've tried contacting Equifax multiple times but they won't help me remove those fraudulent inquiries. I've done everything in my power to get this done so me and my family can move forward. With the whole COVID-19 pandemic going on, we don't need this additional stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Lennar Financial Services, LLC
State: FL
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:
I received a letter from XXXX after disputing 2 inquires. XXXX stated I gave verbal authorization through a mortgage transaction which was false. So i contacted XXXX.about 2 inquires showed up on my credit report with out my authorization. XX/XX/XXXX and another XXXX. XXXX told me it was XXXX XXXX XXXX   and i should contact them. XXXX told me it was Eagle Home Mortgage. Eagle home mortgage told me it was XXXX XXXX XXXX. I contacted Lennar customer service as instructed. I was then told by customer service that they have no ideal what to do about it.

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 2020-09-04
Company: USCB Corporation
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: Information belongs to someone else

Complaint:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following a ccounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

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 2023-01-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to financial hardships and XXXX was put on a forebearance plan by Carrington Mortgage XXXX XXXX I was making payments as I could. Forbearance ends on XX/XX/2023. I applied for mortgage assistance with the mortgage company and the only option available, per XXXX, was to liquidate the property. Just needed some assistance with the arrearage, I can now pay my monthly payments but theyre no giving any assistance. The government give assistance to these mortgage companies and now theyre pulling the rug from under people. They would rather take your property and sell for less than help the home owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: C/C Financial
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:
Date : XXXX Amount : {$4900.00} XXXX  XXXX  made a fraudulent account under my name! 
Action : I received a XXXX police report stating that my identity has been compromised! 
I also filed a identity theft report with FTC. I freeze all my credit bureau accounts. However, XXXX  has not removed the fraudulent account from XXXX XXXX. All because XXXX XXXX made a fraudulent account under 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 2020-11-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: OK
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: Information belongs to someone else

Complaint:
XX/XX/2018, XXXX notified ChexSystems that fraudulant information they are reporting to third parties with my personal/confidential Identification as the result of Identity theft.

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 2020-12-09
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started an application with Rocket to refinance my home on XX/XX/XXXX probably around XXXX EST. When I got to the screen where I asked for consent to pull my credit report I did not proceed. While I was on that part of the process I noticed that there was no option to add a co-applicant. I went back to a prior screen titled 'Who 's on the Loan '. When that did not let me add a co-applicant if I selected that I was not married I engaged in their chat feature. The first agent I chatted with transferred me to XXXX XXXX who said he was a banker and could add a co-applicant later. 

At XXXX XXXX  the next day ( XX/XX/2020 ) I received a text from XXXX XXXX stating an interest rate he had qualified for me for. Around that time I received alerts from two credit card companies stating I just had a credit pull done. I never authorized a credit pull, never completed the application and up until that time on the XX/XX/XXXX I did not even log into Rocket Mortgage, communicate with XXXX XXXX or had contact of any type with any one associated with Rocket Mortgage or XXXX XXXX. 

I would assume that if I would have authorized a credit report to be accessed on Rocket Mortgage 's website it would have been done right then through their system and not the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: General Motors Financial Company, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX, GM Financial produced a statement indicating a bill due of {$400.00} by XX/XX/XXXX. 

On XX/XX/XXXX a payment of {$400.00} is made and posted to my account. 

Upon termination of my lease, I am informed that termination fees and wear and tear fees of {$1100.00} are due. They are also asking for an additional month of payment without any invoice - the lease terminated in XXXX. 

I made a payment of {$1100.00} on XX/XX/XXXX, shortly after being notified of the termination fees and wear and tear. 

GM Financial does not issue another statement available on my online account. The website indicates that I have made the 39 full payments required on my lease. I have paid the amount indicated for termination and wear and tear. 

GM begins calling to let me know that I have an unpaid balance. I call in early XXXX and an associate and request to have them review how many payments I made. The associate indicates 39 payments have been made, the account must be escalated to an manager for review. 

I receive no response. 

I get more calls from GM collections. I call back in, I ask if the account has been reviewed. It has not. The associate submits it for review again. I hear nothing. 

More collection calls. I call in again ( XX/XX/XXXX ) - 3rd request asking for an accounting of how I owe more money when I paid the final payment and turn in fees. The associate promises a return call. Never calls. 

XX/XX/XXXX GM Financial marks a delinquency on my credit report. 

The website to this day never showed a bill for payment after my final invoice from XXXX which was paid. I have asked a manager at GM Financial for a full accounting of my account and have not received it. 

Without providing any proof, GM Financial has claimed I owed additional money after I paid every written invoice provided. After numerous requests they can not furnish the information of why I still owe them money. 

This is predatory lending. It is poor web design. And they should be ashamed. 

A full history of bills due and paid should be available for any financial services website that is claiming additional funds are due, and an accounting of why should be readily available to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I received an alert from XXXX that a JP Morgan Chase credit card was delinquent for {$19000.00} with account # XXXX which was opened in XX/XX/XXXX in my name. The aforementioned account had an address of XXXX XXXX, XXXX, MI XXXX associated with the fraudulent account which I never resided. Immediately upon discovering the alert I contacted XXXX disputing the account. I also made a police report with my local authorities for identity theft regarding the fraudulent account. I tried contacting JP Morgan Chase many times ; my calls were never returned until XX/XX/XXXX I mailed JP Morgan Chase a certified letter demanding proof of the authenticity of the account contract bearing my signature yet JP Morgan Chase has not as of yet supplied proof of the authenticity of above account in question. Yet JP Morgan Chase continues to report fraudulent and inaccurate information to XXXX and XXXX credit bureaus in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2020, I attempted to add money into my Serve checking account. ( it's a checking account which receives my direct deposit from my work and has an associated debit card attached to it. However, it failed. 

I then tried to log into my account that day, and I was not able to log into my serve account or any of my other accounts with Serve and Bluebird. 

I have a total of 6 accounts with American express Serve/Bluebird, all of which I am unable to currently access. 

I called their customer service line on XX/XX/XXXX and XX/XX/XXXX asking what's going on, and they said that my account has been suspended for suspicious activity. They then said they would forward my inquiry up to their security team to review the issue. 

However, I just called again on XX/XX/XXXX, and they are unable to provide my any details on why my account was suspended and what I need to do to unsuspend my account. They said that I would need to send mail to XXXX XXXX  XXXX XXXX Georgia XXXX. But did not give me any instructions on what I need to do. They Since I have my checking account there, it's critical that I have access to my paycheck.. I have tried calling them multiple times and they only give me the work around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20
Company: ProCollect, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In the months of XXXX, and XXXX in the year of 2020 I've sent XXXX  two rounds of dispute letters stating that information that is displaying on my credit profile is not accurate and fraudulent information that I did not authorize. Each time of request they have sent me false results stating that the information disputed was not on my credit profile which is impossible to be true because I discovered the information of the accounts I did not recognize on there website XXXX. I have provided all documentation to them with proper verification so there is no reason the disputes have not been granted to be deleted. I stated that I was not able to verify any information pertaining the fraudulent accounts displayed on report because I am clueless to them with me not being the individual to open them. I am looking for issue to be resolved 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 2017-08-09
Company: United PanAm Financial Corp.
State: NC
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:
I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.

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 2020-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In the months of XXXX, and XXXX in the year of 2020 I've sent XXXX  two rounds of dispute letters stating that information that is displaying on my credit profile is not accurate and fraudulent information that I did not authorize. Each time of request they have sent me false results stating that the information disputed was not on my credit profile which is impossible to be true because I discovered the information of the accounts I did not recognize on there website XXXX. I have provided all documentation to them with proper verification so there is no reason the disputes have not been granted to be deleted. I stated that I was not able to verify any information pertaining the fraudulent accounts displayed on report because I am clueless to them with me not being the individual to open them. I am looking for issue to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Global Portfolio Recovery, LLC
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:
I made an agreement with XXXX XXXX XXXX that if I paid both my collections with the amounts of XXXX and XXXX that they would send me a letter that they were paid, and report to the bureaus that the I have a XXXX balance. They agreed to do what they agreed by ten days after the checks posted ( see attached ), but now it has been a month and they have avoided talking to me and doing their part of the agrrement.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In the months of XXXX, and XXXX in the year of 2020 I've sent Equifax two rounds of dispute letters stating that information that is displaying on my credit profile is not accurate and fraudulent information that I did not authorize. Each time of request they have sent me false results stating that the information disputed was not on my credit profile which is impossible to be true because I discovered the information of the accounts I did not recognize on there website myequifax. I have provided all documentation to them with proper verification so there is no reason the disputes have not been granted to be deleted. I stated that I was not able to verify any information pertaining the fraudulent accounts displayed on report because I am clueless to them with me not being the individual to open them. I am looking for issue to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2019 I had a {$150.00} Victoria Secret Credit Card Account Closed with a Balance of {$270.00} at which point I had made arrangements and made Payments to pay the Balance owed in which it reflects on my Credit Report that the last Payment was made on XX/XX/2019 I don't have the records but I know I paid all but about {$50.00} of this entire debt. which shows as a {$0.00} Balance on my Credit Report. However, In XX/XX/2019 Victoria Secret sold the Debt. to XXXX XXXX XXXX. Since XXXX  has purchased the Debt they have contacted me multiple time by phone and mail. They continue to say I owe the entire {$270.00} and I have disputed this and have been unable to resolve it but simply the fact the Debt shows a last payment 3 Months and 3 weeks after the account was closed makes it more than obvious enough that I paid the Debt after the account was Closed. In all fairness I truly believe that XXXX XXXX XXXX should be fined the {$1000.00} for continuously Violating my rights under the Fair Debt Collection act. Plus everything about the Debt and or account be removed from all three reporting agencies. 
I would expect with the fine money a letter saying they are sorry for trying to collect a Debt I have previously settled before they purchased a Non existent Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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 sent a letter about inaccurate and false reporting items on my credit report on XX/XX/2021. It has been over 60 days an I haven't received a response to date. I feel as though I am being taken advantage of and my disputes are being ignored. Section 611A clearly states that a failure to completely investigate these items within 30 days constitutes immediate removal. It has been over 45 days, and I am requesting these items be removed from my credit report immediately. I am prepared to file for litigation do to the XXXX  you have caused me over this situation. In addition, my information was impacted by the Equifax data breach and may have gotten into the hands of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is simple. 53.com deleted all my payment information from the website. So now I can't make a payment. They are trying to make me miss payment so they can charge more late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Barclays with XXXX  rewards was not willing to work with me for missed payments for XXXX, XXXX, and XXXX of 2020. In mid XXXX I had contracted XXXX and had symptoms for a little over 3weeks into XXXX. I was cleared my the doctors mid XXXX and went back to work part time in a XXXX  XXXX  and odd jobs to make my monthly living payments. The operator was unable to assist me with coming up with a plan for payment do to the pandemic and financial hardship.

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