BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-22
Company: EQUIFAX, INC.
State: OK
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:
On or around the end of XX/XX/XXXX I pulled my credit report and noticed that XXXX XXXX is reporting false information on my credit report with regards to a car loan that I had with them in XX/XX/XXXX. At that time I notified several credit reporting agencies of the error, they did an investigation and reported updated information from XXXX that is still false. I want immediate resolution and expect that if I am denied credit because of their actions that they will be held accountable. 

Complaint Description : I had a car loan with XXXX XXXX which was paid in full XX/XX/XXXX, XXXX is illegally reporting to the credit agencies incorrect information. Account Number : XXXX Make : XXXX XXXX XXXX VIN : XXXX Account Paid in Full Date : XX/XX/XXXX ( per confirmation on XXXX letterhead ) XXXX has reported this account has charged off on my credit report also has reported inaccurate information after I disputed the information, they added more incorrect information. Status on my credit report : Bad debt & placed for collection & skip They have also updated my credit report that I have not paid since XX/XX/XXXX through XX/XX/XXXX. Which appears as 48 times that I have missed payments, this is materially false information and when asked to correct they have not complied. I have documented a paid in full letter dated on XX/XX/XXXX. With this documentation and the behavior of XXXX XXXX I have legitimate documentation they are violating consumer credit laws. I would like to avoid legal action against XXXX if they will accept my proposed resolution of immediate deletion of my account with all 3 credit bureaus, Equifax, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Ocwen Financial Corporation
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 status incorrect

Complaint:
Recently applied for a HELOC from XXXX XXXX XXXX and was denied due to a error on my credit report, stating that OCWEN marking a 120 late in XXXX. 

From XXXX I was in a chapter XXXX Bankruptcy and the OCWEN account was one of several accounts involved.

I informed Ocwen of this error and have not received any reply.

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 2018-12-09
Company: Midwest Recovery Systems
State: MI
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:
Midw est Recovery Systems XXXX. XXXX  XXXX XXXX, MO XXXX Balance {$2100.00} Has negatively reported on my credit report for the passed 5 months with no verification impairing me from using my credit properly. 
]

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX I sent Experian a letter of dispute making the company aware that there are addresses on my consumer report that do not belong to me and I would like them removed. Because Experian sells data my identity is compromised every time they provide these false addresses to anyone trying to contact me. This violates the BREACH OF PRIVACY LAW as well as THE PRIVACY ACT OF XXXX LAW. Instead of Experian removing the errors they updated the address which further violates my federal consumer rights. My legal and only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The addresses that follow do not belong to me XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2018-04-22
Company: Experian Information Solutions Inc.
State: OK
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:
On or around the end of XX/XX/XXXX I pulled my credit report and noticed that XXXX XXXX is reporting false information on my credit report with regards to a car loan that I had with them in XX/XX/XXXX. At that time I notified several credit reporting agencies of the error, they did an investigation and reported updated information from XXXX that is still false. I want immediate resolution and expect that if I am denied credit because of their actions that they will be held accountable. 

Complaint Description : I had a car loan with XXXX XXXX which was paid in full XX/XX/XXXX, XXXX is illegally reporting to the credit agencies incorrect information. Account Number : XXXX Make : XXXX XXXX XXXX VIN : XXXX Account Paid in Full Date : XX/XX/XXXX ( per confirmation on XXXX letterhead ) XXXX has reported this account has charged off on my credit report also has reported inaccurate information after I disputed the information, they added more incorrect information. Status on my credit report : Bad debt & placed for collection & skip They have also updated my credit report that I have not paid since XX/XX/XXXX through XX/XX/XXXX. Which appears as 48 times that I have missed payments, this is materially false information and when asked to correct they have not complied. I have documented a paid in full letter dated on XX/XX/XXXX. With this documentation and the behavior of XXXX XXXX I have legitimate documentation they are violating consumer credit laws. I would like to avoid legal action against XXXX if they will accept my proposed resolution of immediate deletion of my account with all 3 credit bureaus, XXXX, XXXX and Experian.

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 2021-06-29
Company: Experian Information Solutions 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:
On ( DATE OF COLLECTION REPORTED ON YOUR ACCOUNT/COLLECTION LETTER SENT TO YOU ). XXXX  XXXX, XXXX, and XXXX add a derogatory mark and has too many inaccuries on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's Creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature even it has no balance for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA XXXX XXXX, XXXX, and XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account 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 2017-12-01
Company: LD Holdings Group, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX has sent me a notice informing me that my loan is " still outstanding for two installments '' and advising me about potential legal proceedings. This claim is patently false. 

I have made ALL PAYMENTS timely and this can be documented in my bill pay records which I have attached. The payment address and account numbers are correct. 

Clearly, this threating letter was sent in error but no one can explain why my payments are not being applied properly. I believe this company is probably deeply incompetent and I believe they should be swiftly disciplined and fined. 

I called the customer service department on XXXX XXXX, 2017 and the individual I spoke with dismissed my concern while saying they had " no idea '' why I received that letter. I am deeply concerned that my valuable credit score will be impacted, or even worse, that this company will erroneously start foreclosure proceeding when every payment has been made on time. 

Please, fine XXXX so they learn they can not treat customers this way.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: PNC Bank N.A.
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 information incorrect

Complaint:
I was in Hurricane Irma, and many banks gave consumers the option to miss a car payment and they would add it to the end of the loan. 
I did this with PNC Bank and they still reported my credit with a late payment. 
I called their offices and they said they would fix it, but now I am trying to apply for a mortgage and they never fixed it and brought my credit down 60 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Citibank has referred my credit card account to their Fraud Early Warning department. I have called their number ( which is handled by agents out of the country ) and have provided private information such as my entire bank account number, other credit card number in its entirety, entire social security number and date of birth. After providing this highly private information to the agents, they continue to tell me that my information is unverifiable. This practice is unfair and not to mention, unsafe to ask customers to provide private information that still allows accounts to be unverified. I am unable to bypass this department. With i call any Citibank phone number and entire my information, my account is routed to this department that is not located in the United States. I have read similar complaints to others by Citibank. I feel I am being unfairly targeted. I have made all payments on time. My credit card is locked and even after prividung sensitive information, I am basically being told by the unhelpful reps that there is nothing that can be done.

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 2021-06-29
Company: CORELOGIC INC
State: MN
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 identity theft. All of the information and accounts currently listed on my Core Logic Teletrack Consumer report is fraudulent accounts and information. The accounts or information is not my accounts or information. I was just released from XXXX. I was XXXX for over 17 years. Review the attached documentation. Full Name : XXXX XXXX XXXX, DOB : XXXX, SSN : 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 2019-04-10
Company: Experian Information Solutions Inc.
State: FL
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:
Experian continues to report incorrect public record information on my credit report. As a result and in an effort to help correct the error I have asked them on several occasions for a full description of the procedure used to determine the accuracy and completeness of the erroneous information they are reporting. 

The Fair Credit Reporting Act in Section 611 ( a ) ( 6 ) ( B ) ( iii ) makes clear that the consumer has the right to request description of reinvestigation procedure, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The credit bureau must provide this information within 15 days. 

I have requested this information on several occasions and have been very specific that I am requesting the name and address of the furnisher, as well as the telephone number if available - as specifically stated in the FCRA. 

Experian continuously fails to abide by this provision of the FCRA and instead mails me a canned answer/letter that does not provide any information as to the furnisher, only explains that their procedure is to contact the furnisher and report back within 30 days. 

I have received the same canned answer letter over and over, a copy of which I am attaching. 

As a side note, it is worth mentioning that Experian is the only one of the three credit bureaus reporting this erroneous public record.

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 2017-12-09
Company: TCF NATIONAL BANK
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was scammed by people who were presenting themselves as loan representatives on the internet. It started about the middle of XXXX. They had a web page that appeared to be official. They used the name XXXX XXXX XXXX or XXXX XXXX. One phone number was ( XXXX. The number they used when they called me was ( XXXX ). I filled out a loan application on line and put my Banking information on the form. They contacted me and said they were going to approve me for a loan. They then said they had checked my credit score and it was not where they wanted it to be. They said that they would deposit money into my account and I was suppose to send it back to them. What I did n't know was they had attached a device and was putting money into my account using bogus checks from all over the country, they were doing this at the same time they were dealing with me over the phone. A check for XXXX from XXXX XXXX XXXX was put in. Another check for XXXX from XXXX XXXX and one more from XXXX XXXX for XXXX. The last check which was n't from the same place as the others was from XXXX XXXX for XXXX dollars. I went to my bank TCF bank and told them about this. The assistant manager knew that this was a scan and did not act in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: CHARLES SCHWAB CORPORATION, THE
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Charles Schwab informed me last week -- out of the blue -- that they were closing my brokerage account, my IRA and my checking accounts. This is the fourth bank to close my accounts without giving me reasons why. I have had this happen with XXXX, XXXX XXXX and XXXX XXXX, too. This problem goes back to around 2010. I NEED to know the cause of this.

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 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Transunion and XXXX have failed to provide me with my credit report when requested. 
After numerous attempts to rectify, success has not been met.

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 2021-06-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
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 identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: SLM CORPORATION
State: DE
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Ive been fighting with XXXX XXXX for months on getting a lower payment. I only make {$13.00} an hour with a car note of {$310.00}, phone bill {$120.00}, utilities {$300.00}, groceries {$200.00} and rent {$350.00} and other expenses not mentioned above. That alone is being paid throughout the month. They told me in order to talk with loan modification or be put into the loan reduction program I had to be past due indicating that I would have to miss my payment. Now I have this outstanding amount of money I owe. It was originally {$780.00} now I owe {$1500.00}. They have given me options for repayment and they include : Forbearance, interest only payments and wait for approval from the military office that of which I was already denied. They have been giving me the run around for the last two weeks now Im in default with a outstanding balance. Mind you many of my loans are variable some have interest rate of 11.7 percent. Im in need of help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a credit card with Chase XXXX XXXX XXXX and on XX/XX/XXXX I made a purchase using the card. On XX/XX/XXXX I paid the balance off in full but rounded up so that I overpaid by XXXX cents. My XX/XX/XXXX statement showed that I had a XXXX cent credit and no further payment was needed. I then did not get another statement till XX/XX/XXXX, this statement showed that I had a purchase for XXXX cents eliminating my previous XXXX cent credit bringing my balance to {$0.00}. I called Chase customer service and spoke with a lady who said they only identify by their first name and no employee number, her name was XXXX. she told me it was Chase internal policy to take back anything under XXXX dollar and this information was not written or posted anywhere for me or any other consumer to see. She wanted her supervisor involved as I was asking questions she did n't know, her supervisor, XXXX said that what they are doing is not illegal. They take back anything under XXXX dollar and keep it until claimed. They offered to credit my account. I asked how can they take back my money and keep it until I claim it but not inform me that is the policy or notify me that I have money that needs to be claimed? How is this not illegal and unethical? How is this not a company wide plan to steal many cents from millions of their customers as most do not know or realize they need to call to claim money that was removed from their accounts and or how many millions of people do n't bother to call and spend an hour on the phone to claim their cents back? How is this not a class action lawsuit?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2022 received a text from my bank ( Chase ). Chase Bank alert. Did you attempt {$2000.00} ( pending ) XXXX payment. Reply YES or NO. I did not even have a XXXX account so of course I replied XXXX. Soon after I received a call from what I believed to be a Chase employee. He had me open a XXXX account and transfer {$2000.00} to myself. Then he had me wire {$8000.00} to a women he claimed was the case manager.I have all of the information. Name, transaction numbers. I have all the texts as well. I filed a fraud claim with Chase the same day. Today I received a letter stating that because the transactions were authorized they were not going to update my account at this time. I can email all of this information to you. I'm very upset as you can guess. I will not give up until I am compensated. Chase failed to warn me of these scammers. In doing so I believe they are responsible. Please help. Thankyou. XXXX

Company response to consumer: Closed with explanation