BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-06
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:
On XX/XX/2022 I spoke with XXXX @ XXXX XXXX she told me her employee number was XXXX. I notified her that these accounts ARE NOT MINE and they are furnishing fraud on my account. Accounts are incorrectly reporting as open, account showing delinquent when they are not, my non public information was shared to non affiliate XXXX party companies without my written consent who received a profit and I did not, credit inquiries from unknown sources, improper use of my credit report, identity theft plus more. 
XXXX ) XXXX  ACCOUNT # 'S XXXX & XXXX ( THIS ACCOUNT IS NOT MINE ) Charge off account, reporting a balance of {$420.00}. The reason this XXXX account has XXXX account numbers is because it is reporting different across all three bureaus. Experian, XXXX and XXXX. This account does not belong to me as I told the sales rep. 
XXXX ) XXXX ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ), NOR DID I HAVE A DRIVERS LICENSE AT THE TIME OF THIS FRADULENT CAR LOAN. I called the company and ask them to verify this account was mine by sending me the contract and they notified me that they didn't have a contract nor did XXXX, Experian or XXXX verify this fraudulent account before they furnished it on my credit report. They did not exercise their grave responsibility to protect my privacy nor did they have my written consent to place this on my credit report. 
XXXX ) XXXX XXXX  ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ) comments on credit report state that this is CHARGE OFF ACCOUNT reporting a balance of {$8900.00} and the dates opened and balances are reporting different across all three bureaus. XXXX, XXXX, And Experian. 
XXXX ) XXXX XXXX  ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ) This charge off account is reporting a balance owed of {$640.00} XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ) This charged off account is reporting a balance of {$4500.00} XXXX ) XXXX XXXX XXXXXXXX ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ) This charge off account is reporting a balance of {$4000.00} These fraudulent account are causing me and my family harm. I am unable to purchase a home because of these accounts being furnished inaccurately and not going through any verification process nor having my written consent to be furnished.

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 2018-04-02
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I did not open the XXXX car loan. I have disputed the case but it reports as accurate. I filed a complaint XX/XX/2017

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 2018-04-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX and XXXX XXXX. XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX Chase mortgage acc # XXXX In XX/XX/XXXX my wife and I filed bankruptcy chapter XXXX in United states Bankruptcy XXXX District of Florida. The Document was approved on XX/XX/XXXX. At that time we were current on our mortgage ( Chase Bank ) and our personal vehicle XXXX XXXX financed by XXXX XXXX XXXX. Both items, house and car were NOT included in the bankruptcy and we paid a separate fee for what it is called Reaffirmation agreement ( {$300.00} ). I must mention these monies were paid to XXXX XXXX XXXX XXXX XXXX XXXX   whom represented us, prepared and filed all documentation before the court. I will include documents as necessary to prove our complain. Chase bank got ride of the loan and sold it to XXXX XXXX XXXX after fraudulent foreclosure process that has not been resolved until today .Earlier on XX/XX/XXXX it was discovered on court that only one item ( XXXX XXXX ) XXXX XXXX was accepted in a timely date through the reaffirmation agreement ( XX/XX/XXXX ) and The mortgage was not, even though they were paid and filed about the same dates or close by, therefore the house had to be surrendered due to the mortgage house showing included in bankruptcy. Despite all of our allegations and showing proves of receipts and been over five years, and the none jurisdiction of the court in the bankruptcy case, the judge sided with the bank attorneys and we lost that battle due to the inefficacy of the bankruptcy lawyer or a premediated action of someone else. Please we need Chase bank to provide the exact time and date of receipt for the Reaffirmation Agreement sent by our lawyer XXXX XXXX XXXX XXXX of XXXX Florida back in XX/XX/XXXX excluding the house in the such call bankruptcy case .Also explain thoroughly why if mistakenly the property was included in the bankruptcy chapter XXXX on XX/XX/XXXX, Chase bank kept collection mortgage payments until XX/XX/XXXX.We are requesting chase to reimburse us all the payments collected after XX/XX/XXXX when chase knew the house was included in bankruptcy. Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Im trying to order cable tv for my home ... they cant pull my credit because of a credit freeze placed on my account. I did not place this on my account. I have tried calling the numbers for XXXX  and online, however the online site comes up with an error and call XXXX ... I call that and its a loop ... Press 1 for freeze and fraud and then press 1 to place a freeze on your account - I dont want to place a freeze, I want to remove it .... 

I have tried getting to an operator and there is no way to contact operater .... 

I have spent several hours over the past few days trying to get this removed - JUST FOR XXXX TV!!! This is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Credit Karma, LLC
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Previously, I received emails from Credit Karma for pre-approved credit cards and when filling out the information and submitting it I was denied due to previous bankruptcy and a hard credit hit was on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/2017. Loan was transferred from Navient to XXXX. Communication of this was provided within the Navient internal e-mail system. I never received any formal mail or email to my email address on file outlining the change or the implications. At this time my loan was placed on temporary forbearance without my consent. No payment was withdrawn from my account that month. When I contacted Navient to ask why, they explained the situation. When I explained that their decision to place my loan on forebearance would cost me literally thousands of dollars on the back end and occurred without my consent, they said there was nothing I could do and I couldnt not make up the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I HAD A LOAN MODIFICATION XX/XX/XXXX AND AT THAT TIME MY BALANCE WAS {$91000.00}. AFTER THE MODIFICATION MY BALANCE WAS {$95000.00}.

I THEN HAD TO GET ANOTHER MODIFICATION IN XX/XX/XXXX. AT THAT TIME MY BALANCE WAS {$96000.00}. AFTER THE MOD MY BAL WAS {$100000.00}.

I CAN NOT SEEM TO GET A EXPLANATION AS TO HOW MY BAL INCREASED FROM XX/XX/XXXX AFTER THE FIRST MOD TO XX/XX/XXXX B4 THE SECOND MODIFICATION. THIS REALLY DOES NOT MAKE ANY SENSE TO ME. IN 6 YEARS I PAID MY MORTGAGE THERE WAS ON A TIME IN XX/XX/XXXX THAT I FELL BEHIND BUT I STILL MADE PAYMENTS. OTHER THAN LATE FEES AND INSPECTION FEES WHICH SHOULD NOT HAVE CAUSED A INCREASE IN THE BALANCE TO THAT EXTREME I DONT UNDERSTAND WHAT HAPPENED.

I HAVE TRIED TO OBTAIN A PAY HISTORY AND AMORTIZATION SCHEDULE. I HAVE TRIED TO GET CUSTOMER SERVICE TO GO OVER IT.

I REALLY FEEL AS THOUGH I HAVE BEEN ASSESSED SOME LARGE AMT OF FEES BUT I CAN NOT CONFIRM WHAT IS CAUSING MY BALANCE TO BE SO HIGH THIS LOAN STARTED IN XX/XX/XXXX WITH A BALANCE OF {$98000.00}.

PLEASE HELP ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
Account opened XX/XX/2020 for {$620.00}. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have requested the METHOD OF VERIFICATION multiple times with XXXX  and Transunion concerning this Bankruptcy that is reporting on my credit report. Per FCRA, Section 609 a ( 2 ) I am requesting to see what XXXX, and Transunion used as proof to verify the bankruptcy. XXXX, and Transunion has repeatedly sent me pre-made letters stating, " VERIFIED '' and the information was furnished to them through XXXX XXXX. This is impossible that XXXX  and Transunion investigated this situation due to the fact I spoke with a representative of XXXX XXXX AT XXXX and XXXX XXXX STATED THERE IS A FREEZE DUE TO IDENTITY THEFT ON MY REPORT AND THEY DID NOT VERIFY ANY INFORMATION WITH XXXX XXXX, AND TRANSUNION whom all are third party agencies. 

Also, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states " ... if request by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, in the business name and address of any furnisher of information CONTACTED, meaning a LIVE PERSON NOT A COMPUTER DATABASE in connection with such information and the telephone number of such furnisher if reasonably available ... '' Credit reporting agencies are required to conduct investigations of disputed items with the " FURNISHER '' of information. The Bankruptcy Court should be the furnisher of information not a third-party source such as XXXX XXXX. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this investigation because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

I will be sending a copy of this letter to the CEO of XXXX and Transunion. I will not accept any more template responses from XXXX  and TRANSUNION!

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 2018-07-13
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Ditech and Green tree serviving has filed to put my home in foreclosure without offering me HARP or any modification even though the loan was serviced before 2009. Also claimed to put home in default because of exhusbands non answer to petition even though they said they removed his name from loan even though i sent in my response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
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: Public record information inaccurate

Complaint:
Under the new law effective   XXXX   XXXX  , 2017 any public record data must include name and address as well as SSN and/or DOB in order for it to appear on your credit file. The credit bureaus have not updated or removed the info, even after i verified the courts do not report information to credit bureaus.
Per the new law the bankruptcy listed does not include this information and should be deleted from my credit report.
Docket :  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 2020-05-14
Company: EQUIFAX, INC.
State: UT
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 been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the Marriott XXXX account under the promotion " You are invited to apply and earn 30,000 bonus points after you spend {$1000.00} on purchases in your first 3 months from your account opening. '' Not only did I spend the required {$1000.00} meet the conditions in the 3 month time frame stated. I applied for the XXXX card in XX/XX/XXXX ; received the card in XX/XX/XXXX and made the purchases between XXXX and XX/XX/XXXX. 
I waited until XX/XX/XXXX before making the first call asking for my bonus points as I met the requirement. I was informed in XXXX by way of a letter that the promotion listed on my account was for 50,000 points if I spend XXXX however I called back with proof that the 50,000 bonus offer did not start until XX/XX/XXXX as I receive all of their promotional emails. I furthered stated I had verifiable proof of the promotion I entered in as I took a screenshot when I applied. 
I waited until XXXX for the same denial from the company. I called a XXXX time asking to submit my proof. In XXXX I sent the proof of the screenshot I took from the promotion and the representative I spoke with even confirmed ( calls are recorded ) that the promotion I stated was actually the promotion in place XXXX. 
Even with the proof this company still denies the promotion and honoring the promotion that was advertised in XXXX ; the reason why I applied. I have since discontinued my use of my Marriott Bonvoy card as I refuse to use a card whose company refuses to honor their advertised promotions. I met the requirement and I believe they changed the conditions of the promotion without notification as to avoid awarding said bonus points. 
I want to warn other consumers to keep records, take screenshots ( even if they try to deny promotion ) and hold these credit card companies to their advertisements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-11-02
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove any and all fraud alerts on my credit file

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 2018-04-02
Company: EQUIFAX, INC.
State: WI
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 found out I was part of the equifax breach. My credit score keeps dropping, but I have no late payments. I did not sign up for their free credit monitoring or anything. What are my options. I would like to sue them for this. Please let me know. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: General Motors Financial Company, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I purchased on XX/XX/20 and returned on XX/XX/20. They dated my purchase papers for XX/XX/20, I picked up the check from my credit union on XX/XX/20 but ended up using their bank, but seen it was never nowhere for me to date the contract, I didnt really pay attention to. As stated, I returned the car the very next day and realized they ran my credit report XX/XX/20. They didn't have permission to do so for I came with a check. They dated my contract for XX/XX/20, three-das prior to me receiving the vehicle and then pushed the finance through XXXX XXXX on XX/XX/20 XXXX days after the vehicle was returned. 
My credit report reflects that my credit was pulled on XX/XX/20 XXXX now sending me invoices stating I have a payment due and as of today, I still don't have the vehicle in my possession. The car is still at XXXX XXXX in XXXX MD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Wells Fargo bank is now trying to use other agency 's to blame in there on going fraud. The XXXX refunds that involved a repossession there lying about everything.

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 2021-02-22
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I paid almost! XXXX To XXXX SLS They say I am delinquent I am not Where is the {$70000.00}?????????? 
They lai cheat This their way to foreclosed and take peoples home make it look like they are right This is their way of business They make money off or fraudulent foreclosure fraudulent late fees cheat They have to use this strategy just to take propkes home and have exude to foreclose

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