BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: Gurstel Law Firm, P.C.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being contacted by Gurstel Law who is a debt collector. They are saying that I owe a certain debt. What they are going off is solely the information that is given to them from the company where the debt supposedly is coming from. I have asked on a number of occasions for them to provide proof of this debt via an original contract. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Gurstel Law is required by federal law to verify - through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed if they are unable to provide me a copy of verifiable proof, they must remove the account listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification with CitiMortgage on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX they furnished a 3rd party lawyer with a potential mortgage modification package without my permission. I used this lawyer one time in XXXX of XXXX for a chapter XXXX bankruptcy case. I did not give permission for citi bank to contact this firm on my behalf. On XXXX/XXXX/XXXX I requested via email for a written explanation as to why my personal, private information was sent to this firm. I received an email from my single point of contact, XXXX XXXX two weeks later on XXXX/XXXX/XXXX explaining that she was not authorized to provide the document requested and that my loan modification was being transfered to XXXX XXXX who would be my new single point of contact. On XXXX/XXXX/XXXX I was told via email by XXXX XXXX, my single point of Contact that I would need to contact customer service and inquire about why a modification purpose was sent to a third party. I have yet to receive explanation as to why my privacy was breached. Further, I received a XXXX dollar check today, dated XXXX/XXXX/XXXX regarding some wrong doing from when I was denied modification in 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 2020-05-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have attempted to correct the problem with Chase finance but they are telling me that the report is correct. I leased my vehicle with Chase last year. On XX/XX/XXXX a payment should of been auto drafted out of my account. I was under the assumption that I was set up on auto pay with Chase. Well apparently not because my lease went past 30 days as unpaid. I received a call from Chase and disputed about the issue. I made the payment and continued to dispute the issue about the auto pay. I've made multiple attempts to try and fix it with Chase but there cusgomer service has not been helpful. Also, I've contacted all three creditors to get the problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 a victim of inquiry issue by TransUnion credit bureau. Multiple attempts to contact the bureau regarding this situation were not helpful. The bureau did not help to take care of the negative inquiries that were reported to my credit card report. 
The inquiries I would kindly ask you to remove from my account are the following : XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/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 2018-02-01
Company: Todd, Bremer & Lawson, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to Todd, Bremer & Lawson, Inc. requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and or other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
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:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. I filed a police report and FTC report : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
BOA is showing a negative account being reported from 2012! this should not be on my report. 

XXXX XXXX XXXX XXXX is also doing the same thing Please erase files off of my report. Account is being shown inaccurately and hurting my credit report. 

I am a hard working individual that never misses a payment. All of my bills are paid on time. I can show my credit report to verify. 

I will attache where my dispute was approved after a through investigation from another bureau. Both accounts have been deleted from other bureaus. 

Please help me. Many Thanks

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 2022-08-05
Company: ALLY FINANCIAL INC.
State: MI
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:
XXXX XXXX and XXXX are in direct violation of 15 USC 1681 a ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 4. States that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumers right to privacy 15 USC 1681 ( b ) PERMISIBLE PURPOSES I never consented or gave permission for any of this information to be reported in the first place. 
They are reporting negative information on these reports. 
15 USC 1681 s-2 ( 7 ) ( E ) says that nothing under the FCRA requires a financial institution to furnish negative information to consumer reporting agency. they are required to furnish accurate information they are referring to their company policy. Company policy does not supersede federal law. The end. The law states that my consent is needed to disclose non-public personal information to a non affiliated third party.

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 2021-09-06
Company: JPMORGAN CHASE & CO.
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:
JPMCB Card or the credit bureau 's have removed this account from my credit report however when I pulled a new credit report and I noticed that the account re-appears. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the item back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX  and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague so they can complete an investigation which may unfortunately lead to an arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize nor did I ask any of these companies to pull my credit. it has been well mover 30 days and there has been no conclusion of the investigation I've asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: EQUIFAX, INC.
State: IA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt  my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: MI
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/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company asking me about loans that I never had or applied for. Immediately, registered to XXXX to see my credit reports. I found other accounts that didn't belong to me. Here are the accounts that need to deleted from credit report : XXXX XXXX   XXXX {$5600.00} XXXX XXXX XXXX  XXXX XXXX {$12000.00} XXXX  XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX {$970.00} {$1100.00} {$2600.00} {$3500.00} {$3500.00} {$7000.00} {$5000.00} {$3400.00} {$3100.00} {$5500.00} {$660.00} XXXX XXXX XXXX XXXX XXXX {$160.00}

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 non-monetary relief
Consumer complaint received 2021-04-01
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

1. XXXX XXXX Balance {$120.00} Shows charged off. I never opened this account.

2. XXXX XXXX Balance {$490.00} Shows closed. I never opened this account. 

3.XXXX XXXX Balance {$0.00} I never opened this account 4. XXXX XXXX Balance {$0.00} I never opened this account 5. Department of Education This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late.

6. XXXX funding Balance {$460.00} They claimed this account was collections for XXXX XXXX. Again I never had any open account for XXXX  XXXX as they are claiming. 

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills. 

There are also several inquiries, I have not applied for any new credit in the last 4 years.

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 2021-03-02
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I on XX/XX/2021, sent a certified letter to the collection agency asking them for " proof '' which is by Law a written contract or agreement bearing my signature. To show the validity of this debt. It has been 30 days and no such document has been produced. so I am filing a complaint to clear my name and my 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 2019-02-06
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The property went into foreclosure and I was contacted by this company directly with a guarantee to get a loan modification and adjusted terms on the mortgage. The office kept contacting to make an appointment to go to their office, finally a representative came to the property even though I had tried to cancel the appointment. I initially paid {$500.00} at the first meeting and signed a contract with the company trying to save my home. Throughout the process I was not happy with the service provided so I decided to then contact the lender and found out there was a sheriff sale scheduled. Information was only being accepting by the lender from the third party. I paid {$2000.00} to XXXX XXXX for XXXX aka XXXX XXXX XXXX XXXX. Throughout the process they were very confrontational and even more so when I asked for a refund. They only offered to provide 50 % of what I had paid back which I have declined because upon further research and working with a housing counselor I determined I should have never had to pay for this due to being mislead. When I asked for a full refund the owner of the company " XXXX XXXX '' contacted me and screamed that they did lots of work and I would not be getting my full money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : Report Number : XXXX XXXX XXXX XXXX : Account Number XXXX**** This in response to a dispute I sent experian that opened an account dispute XX/XX/XXXX. This results of this dispute stated the account was updated, but nothing in the account information updated. This account continues to report inaccurately and illegally. Experian shows date last reported as XX/XX/XXXX. How can this be when I disputed this account XX/XX/XXXX. This means no re-investigation was done, you are also refusing to remove this fradulent account. This has not been legally verified and because Experian continues to report it this is a FCRA violation. 


Inaccuracy # 1 Date of Last Payment Experian shows a date of last payment as XX/XX/XXXX XXXX shows date of last payment as XX/XX/XXXX Inaccuray # 2 Date Last Active Experian shows a date last active as XX/XX/XXXX XXXX shows date of last active as XX/XX/XXXX FCRA violation : Experian shows date last active as XX/XX/XXXX, but Experian also shows Date of last payment as XX/XX/XXXX. How, When a late payment is considered activity for an account? 

Experian and XXXX both report inaccurate high balance : Experian shows : {$11000.00} Equifax shows : {$11000.00} XXXX XXXX Explanation of Calculation of Surplus or Deficiency : shows {$12000.00} If XXXX and XXXX  are getting the same information from the same creditor, then why does this account show inconsistent information? 

I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Please send me the documents that prove Inaccuracy # 1 & inaccuracy # 2 are reporting correctly. Because of this obvious neglect in ensuring everything on my report is accurate, consistent and up to date please DELETE this account immediately. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 




Documents enclosed are as follows : I have enclosed a notice I received from XXXX XXXX which shows the high balance for Experian and XXXX reports is inaccurate. Please see XXXX XXXX XXXX - Explanation of Calculation of surplus or deficiency Aggregate unpaid balance of agreement as of XX/XX/XXXX - {$12000.00} This is what XXXX XXXX documents show is the accurate high balance. 

I have enclosed a screenshot of this account for you to view. Please see Date last reported, Date of last Payment, Date Last Active.

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 2020-12-04
Company: WELLS FARGO & COMPANY
State: NJ
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:
XX/XX/2016, {$1300.00}, and Wells Fargo reached out to me and I agreed to pay balance. I paid large sum moneys ; difference outsource company contact me regarding my Wells Fargo credit. Paid them as well as Wells Fargo call me then paid them.

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 2022-08-07
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I contacted vanilla Visa credit card because I had checked the balance on my card and notice that a {$190.00} had been charged onto my gift card. I contacted vanilla Visa gift card at XXXX and they informed me that they would put a block for the representative I spoke to. They informed me to call back in 7 days to get an update. I called to check my balance Today and spoke to a representative who informed me that the transaction that was made Through XXXX XXXX  did go through after all through after all. She then informing I would have to file a dispute and that in itself would even guarantee me that I would get the {$200.00} back. And that I would have to wait 90 days. At which time I decided to request to speak to a supervisor. She Reiterated the same thing the representative told me, Which is absolutely unacceptable being that I'm being inconvenienced over a situation I have no participation or control of if someone hacks the card. Th The supervisor informed me that it could take 5 to 7 days if I call XXXXXXXX XXXX  directly and provide in me the following number XXXX. This number ring and rang and rang with no option for leaving voicemail or with any recording indicating its eligibility company. Thus this solution is not a viable one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: JFQ Lending, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received several letters in the mail from JFQ Lending , Inc saying that I qualify for better refinance rates because XXXX XXXX eligibility. 

I did call them. They seem to be a broker that pairs you to lenders. 

They got my information and current loan information. 

They did offer me a slightly better rate about 0.5 % less than what I currently have. But the catch is that closing costs were $ XXXX on a $ XXXX loan. 

Closing costs above 5 % of the value of the loan. 

These people are taking advantage of unsophisticated individuals that are only focused on the mortgage rate and oversee huge closing costs Company name : JFQ Lending XXXX

Company response to consumer: Closed with explanation