BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-08
Company: Experian Information Solutions 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:
Experian allowed XXXX XXXX to reinsert their account back on my credit report and not notifying me within 5 days of doing it XXXX XXXX account been deleted for sometime and out of no where it's back on my report with no explanation which ruined my credit score again ... I want XXXX XXXX to leave me alone that they already did enough damage to my credit report and not giving me due process

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 2019-09-20
Company: Experian Information Solutions Inc.
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:
THE FOLLOWING INQUIRIES ARE UNAUTHORIZED AND ARE ILLEGALLY ON MY REPORT : XXXX XXXX XXXX XXXX XXXX C/O  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX rovide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit with Chase Bank twice once on XX/XX/2017 and XX/XX/2017. The bank is stating that my credit report may reflect a bankruptcy for the reason why the application is being denied. I called Chase Bank the first time back in XXXX asking for a reason from the representative and was told that she did not see a bankruptcy on my current credit file and she did not understand why I was been denied. I asked the representative if there was a department that could review my application for an answer and was told she was the department to correct the issue and the highest level to go. I think the bank is redlining certain customers in certain zip codes. I previously live in other zip codes and have credit cards from may banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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 XXXX XXXX XXXX XXXX XXXX Wyoming XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following company : 1. XXXX XXXX XXXX XXXX   XXXX  , MD XXXX ( XXXX ) XXXX Made by : XXXX  XXXX XXXX XXXX  XXXX , MD XXXX ( XXXX ) XXXX 2. XXXX XXXX   XXXX, FL XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. ( XXXX ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Specialized Loan Servicing Holdings LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an an escrow account with my mortgage holder, Specialized Loan Servicing.

They failed to pay my homeowner 's insurance on time, and now my  policy has lapsed. 

According to my escrow account transaction history, SLS withdrew funds from my account on XX/XX/XXXX, but I called my insurance company today ( XX/XX/XXXX ), and they still have not received payment. 

On XX/XX/XXXX, Specialized Loan Servicing sent me an e-mail saying they paid my insurance. Also on XX/XX/XXXX, my insurance company e-mailed me saying that my insurance had not been paid. 

This morning ( XX/XX/XXXX ) I received notice that my policy had lapsed. I tried for two hours to connect with a customer service representative from SLS to work out my problem, but could not get through their automated system, which was only able to repeatedly provide me with my escrow account balance. 

According to my insurance company, SLS received multiple notices describing when my payment would be due, and they still failed to send the payment on time. Once they knew the payment would be late, they apparently did nothing to expedite the process. 

I'm heading into the weekend now with no homeowner 's insurance. If SLS is unable to pay my insurance and taxes on time, then I would like to end my escrow account and minimize my interactions with this company.

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 2017-11-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I been asking Experian, XXXX and XXXX XXXX to validate the account from XXXX XXXX sinceXX/XX/XXXX And every time they come back saying the account is verified and accurate. In XX/XX/XXXX they sent me my investigation saying it was verified and accurate once again but I have highlighted the proof that the account is reporting wrong. The original creditor XXXX had written off {$1000.00} but XXXX XXXX has been reporting {$1000.00} and also been reporting false balances. Every time each credit agency says verified the information is still not accurate. This account needs to be removed 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 2019-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER FOR I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, PLEASE HAVE THOSE ACCOUNTS REMOVED FOR THEY HAVE CAUSED TREMENDOUS DAMAGE TO MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 non-monetary relief
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
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:
This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, Experian, and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible : XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : 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 2019-09-20
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2019, I sent a Method of verification request to transunion by certified mail for inaccurate bankruptcy information on my credit report. I've received no response within the 15 business day grace period.

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 2021-06-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have written numerous of letter sent certified and registered mail to this servicer Rushmore Loan Management Service to provide information regarding this mortgage and the note. They refuse to give me the information I requested. Never received the original wet ink signatures only photocopies. This property was constantly trespassed on by Sheriff stating that XXXX XXXX  XXXX XXXX XXXX XXXX XXXX is trying to foreclose on this property which I didn't received a document stating that they are the noteholder or they have a contract with me assigning them as a trustee nor have right to foreclose. I never received a court date for the foreclosure or anything. Recently visit with a realtor coming to take pictures of this property which I was not aware of. My rights has been violated under the Truth and Lending Act, RESPA, and FDCPA by these people and is threating and getting out of hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: EQUIFAX, 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:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report XXXX File Number : XXXX XXXX  Report Number : XXXX Equifax Report Confirmation Number XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX I recently found i was involved in the Equifax Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed I have these accounts called and disputed with Equifax XXXX & XXXX and this problem never got solve now i'm reaching out to you guys for help!! these fraudulent debt is hindering my ability to apply for credit or even get a first time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Hello- I applied for a Parent Plus Loan in 2015 for XXXX which is a Federal Parent Plus loan. in reviewing this account to date 4 years later I have paid XXXX, XXXX to interest and only XXXX in principle. Unfortunately, I was not educated enough in how a XXXX federal loan would turn into a XXXX repayment loan. Sure they offer lower your payment, or forbearance so that Navient can XXXX you over for more interest. I am a U.S. Citizen who pays taxes but seems to be XXXX so others can reap benefits freely. In the end I get XXXX by trying to provided a better life for our children by thinking that the college education Federal lending program is here to help U.S. citizens and their families when in reality it is loan sharking and extortion business. Unfortunately, I've learned this too late in life, but trust I will start a forum to lobby so that new parents who want their children to reach the " American Dream " can be educated enough to know that the federal loan program is not a smart financial decision and college just want your money. I hope you take these comments and go back to congress and restructure this extortion program and decide to help the citizens, vets of this country, instead of funding the people who live off the system that I pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Sovereign Lending Group, Incorporated
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I started at XXXX at 30 years 4.25 I am now at XXXX at 30 years 2.75 % XXXX dollar increase over a 2 months. 
Did I just XXXX myself? I thought it was something fishy about it. I really did not want to do it. Did i win or loose? 
We like we have been XXXX and humiliated? 
Lets be clear I DID it because I wanted to lower my house note. 
Please advise!!!!!!!!!!!!!!!!!!! 

XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
TO WHOM IT MAY CONCERN : I am writing this letter because Bloomingdales has incorrectly reported that my credit card account had late delinquent payments in XXXX and XXXX XXXXI am asking that the error be corrected, and the reporting of the delinquent payments be removed from all three credit bureaus as previously reported to by Bloomingdales due to the explanation below. 
In XX/XX/XXXX, due to a security compromise, it was necessary to close my checking account and open a new one, which I did. In XX/XX/XXXX, I had a balance due on my Bloomingdales credit card account which I successfully paid on-time and in full using my new checking account which brought my balance to XXXX. However, the automatic payment feature was still active and tied to the checking account that was closed in XX/XX/XXXX. Bloomingdales attempted to withdraw a second payment from the closed account which was rejected by my bank., even though I had a XXXX balance. I spoke to customer service agent XXXX # XXXX and she confirmed that Bloomingdales did not have the technology to recognize the {$XXXX} balance when the automatic payment feature attempted to withdraw a second payment. 
Bloomingdale went on to charge my account an NSF fee of {$27.00}. 00. Since my current checking account was debited for the total balance due on the payment due date, XX/XX/XXXX, I had no reason to think that any fees were billed or that I was delinquent with any payments to my account. It wasnt until XX/XX/XXXX that I made this discovery. I called customer service and they removed the fees, however, Bloomingdales reported to that I was 30 and 60 days delinquent to all three credit bureaus. I even spoke to supervisor, XXXX # XXXX, who said that it would be removed. A week later I received a letter from Bloomindales saying that the derogatory report could not be removed. Thank you for your time in correcting this urgent matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
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: Information belongs to someone else

Complaint:
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any original contract documentations of any contractual relationship between name of company XXXX XXXX XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I HAVE TWO CAPITAL ONE ACCOUNT NO.XXXX, BECAUSE THE NATION EMERGENCY ( COVID-19 I HEREBY REQUESTS BOTH ACCOUNTS BE 1099-C DEBT CANCELLATION WITH I.R.S.TODAY AND CEASE ALL CREDIT REPORTING PLUS REMOVE ALL HARD CREDIT PULLS OR WILL FILE SUIT.

Company response to consumer: Closed with explanation