BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-26
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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2019-06-23
Company: Experian Information Solutions Inc.
State: MO
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 XXXX report the orginal credit is not listed but is listed with XXXX this is a discrepancy and is in fact a violation of the FCRA guidelines and must be removed immediately from both credit bureaus. 
This public record of bankruptcy was removed and added back to my report the same exact day, which cause my score to decrease by 32 points. This is a discrepancy and inconsistent information and is in violation of FCRA guidelines therefore you must remove this from both my reports increasing my score. 
XXXX  and XXXX showing XXXX systems for XXXX status ( open ) but for XXXX and Experian as chargeoff/collection account why is this, this is a discrepancy and is violation of the FCRA guidelines and must be removed immediately from all 3 repYou are showing XXXX systems for XXXX status ( open ) but for Experian as chargeoff/collection account why is this, this is a discrepancy and is violation of the FCRA guidelines and must be removed immediately from both reports/bureaus.orts/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 2020-07-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i paid with from my tax return of 2017 i mailed in a check and it was deducted from my account. its very unfortunate to just find out recently that it was still on my credit i am really devastated to this and that is why i am disputing 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 2018-12-04
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I will start with my medical situation as a base for what has transpired but not as an excuse only to illustrate timelines. I had some medical issues revolving around my XXXX which led me to originally fall behind on my loan and I eventually paid everything I was behind and continued on paying my mortgage. My health further declined recently after a XXXX XXXX. I chose to sell my home and move to a place that would allow me to be independent longer. After listing the property and realizing this diagnosis isn't the end and that I have many years left in me I approached Ocwen with the idea of getting a modification to help ease with my treatment costs etc. I will attache all of the documents I received from Ocwen and I was ecstatic and thankful when they gave me a loan modification. In XX/XX/2018 I was given a trial modification which had me making three payments 1st in XXXX, 2nd in XXXX, and 3rd in XXXX. I made all of these payments and continued  making that payment amount. When Ocwen sent me a final modification I signed it and returned it asap. Ocwen eventually stopped taking my payments and told me it was because I didn't return the final modification!!!! What!!!! I was defeated I did literally everything asked and my prayers that were answered were now shattered. I am attaching the trial modification, the signed final modification, and the three statements I received from OCWEN when I was in my trial. The one to focus on is XXXX 's statement. Per my agreement it was to be {$5900.00} and they sent me one for {$38000.00}. After reviewing it and speaking to some friends that have experience it is my believe that Ocwen accidentally had me in a forbearance and not a trial modification, when the forbearance in their system was up I needed to pay $ XXXX and then subsequently I lost my modification and no one has been able to answer why other than it was not returned, which it was! Please help me square this away and let me get back on track, I can make the payment I just need help getting everything back in order as it was 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 2020-07-14
Company: Experian Information Solutions Inc.
State: MA
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established  XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-07-14
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I opened up a Discover Bank Credit Card. I was making my payments on time. In XX/XX/XXXX I filed for Chapter XXXX Bankruptcy and it was discharged.The credit Card was included in the bankruptcy. For some reason, the Discover Bank credit card was still reporting on my credit report just recently and is affecting my credit score because it shows up as an inquiry/derogatory. 

I hired a 3rd party company to try and dispute this. They reached out to Discover Bank but all Discover Bank did was update it rather than delete it off my credit report. I would like this removed off my credit report so that it does not report on my credit report anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: Navient Solutions, LLC.
State: TX
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:
My student loans were consolidated on XXXX of XXXX so that I could get on an Income Based Repayment plan so that I could have my loans forgiven under Public Service Loan Forgiveness. I  began making payments to Navient from XX/XX/XXXX through XXXX of XXXX. My credit report does not show that I made payments to Navient from XX/XX/XXXX to XX/XX/XXXX. That is 34 payments that are missing from my grand total to receive debt forgiveness after 120 total payments have been made. That is also {$9200.00} that is not credited to my bill plus interest I may have accrued. I have my bank statements showing that I made all of  these payments. 

Also, when I call XXXX XXXX ( my current servicer ) they are saying that I was on the wrong payment plan during this same time period XXXX XXXX XX/XX/XXXX. So if I do get credited for these payments they are not in the right plan in order to receive Public Service Loan Forgiveness. XXXX XXXX is the company that serviced my loan in XX/XX/XXXX and put me on an IBR plan. When they sent my consolidated loan to Navient they should have had Navient put me on an IBR plan. It did finally get changed to an IBR plan at the end of XXXX. 

XXXX needs to show a credit to my account of {$9200.00} plus interest. 
XXXX currently only shows that I have 11 payments towards my 120 payments needed when I have made 102 payments.

I have never missed one single payment. Please help me. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
1 ) What is this complaint about? 

JPMorgan Chase Bank, N.A. ( aka Chase ) closed a savings account I had with them 2 days after I opened the account and 1 day after I deposited a check for {$16000.00}. They refused to give me any reason for closing the account. It seemed arbitrary and capricious. It seemed like fraud for them to accept my money on Friday, XX/XX/2018, and close the account the following business day, on Monday, XX/XX/2018. I did receive my money back, but it was three weeks later. The check was dated XX/XX/2018, but it was not mailed until XX/XX/2018, according to the postmark, and I did not receive the check in the mail until XX/XX/2018. 

My complaint is that I do not understand how the government could allow a financial institution to confiscate my money ( even for three weeks ) without due process. 

2 ) What type of problem are you having? 

The problem I am having is that I became homeless because of Chases actions.

3 ) What happened? 

I was going to use the {$16000.00} to move to XXXX, NY. I had given notice at my HUD subsidized building for seniors in XXXX, OR on XX/XX/XXXX and was required to leave by XX/XX/XXXX. I did not receive my funds until XX/XX/XXXX, and then I had to deposit it in another bank where it took another five days to clear. The check cleared the second bank on XX/XX/XXXX. I had asked the building manager where I lived if I could rescind my notice to vacate, since I could not do the move without the funds that Chase denied me access to. I was told the apartment had been offered to someone else, but that I could stay an extra week. Since XXXX is a very busy month for movers, I had to move out on XX/XX/XXXX. I did not have access to my funds until l after I moved out. I can not afford market rate rental in most cities in this country ; I could not do the move without those funds, so I became homeless because of Chases actions not on the street homeless, but without my own apartment. I am sleeping on a sleeping bag on the floor of my sisters home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2020-03-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
See attatched USAA STATEMENTS OF TRANSACTIONS XXXX XX/XX/XXXX & XXXX XX/XX/XXXX DUPLICATE CHARGES. XX/XX/XXXX {$120.00} & XX/XX/XXXX {$120.00} XX/XX/XXXX {$210.00} & XX/XX/XXXX XX/XX/XXXX {$230.00} & XX/XX/XXXX {$230.00} {$52.00} XX/XX/XXXX & XX/XX/XXXX {$36.00} XX/XX/XXXX & {$36.00} XX/XX/XXXX {$25.00} XX/XX/XXXX $ {$25.00} XX/XX/XXXX {$25.00} XXXX XXXX & {$25.00} XX/XX/XXXX {$24.00} XX/XX/XXXX & {$24.00} XX/XX/XXXX {$17.00} XX/XX/XXXX & XX/XX/XXXX {$15.00} XX/XX/XXXX $ {$15.00} XX/XX/XXXX plus {$9.00} XXXX XXXX XXXX XXXX = ALL DUPLICATE XXXX XXXX TRANSACTIONS = TOTAL {$810.00} DUPLICATE TRANSACTIONS NEVER RESOLVED WHY?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: Credit Karma, LLC
State: CA
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:
Just received a notice from XXXX XXXX that a hard inquiry was made on my credit that was unauthorized by me. The agency was XXXX XXXX XXXX, made in XX/XX/2019. Since I have wonderful credit, this will take 2 years to go off my credit report and lower my score. I don't believe that a company can make a hard inquiry without letting me know about it. And since I already have XXXX XXXX XXXX, and have had them for 2 years, why should they make a hard inquiry anyway?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX, during the mortgage crises, I applied for a loan modification with the assistance of XXXX. After a very long process, I was finally given a loan modification that included a XXXX XXXX XXXXXXXX XXXX of {$47000.00}. According to the XXXX program and XXXX XXXX, the deferred amount should be reduced to XXXX XXXX XXXX XXXX in good standing. 
I have had over XXXX XXXX of good standing but never had the deferred amount reduced. I contacted Chase regarding this error and was told that my modification was not XXXX and therefore, I did not qualify for the benefits of the XXXX program, including forgiveness of the XXXX. 
I contend that I was wrongfully placed in a non-XXXX modification even though I qualified for a XXXX and all of the benefits that includes. 
For supporting documentation I have a letter from Chase dated XX/XX/XXXX that stated that I was qualified for the XXXX modification. 
I do not believe it is a fair practice to be placed in a modification that provides for fewer benefits than XXXX that I qualify for. The resolution I seek to this matter is to have the benefits of the XXXX modification applied to my loan. Specifically, I would like the deferred XXXX of {$47000.00} forgiven and reduced to XXXX as per the benefits of the XXXX program and XXXX XXXX 
Supporting Documents XXXX. XXXX from Chase dated XX/XX/XXXX, advising " Congratulations! You are eligible for a XXXX XXXX XXXX '' XXXX. Letter from Chase dated XX/XX/XXXX stating my loan was processed as a Chase XXXX and not a XXXX XXXX XXXX 
XXXX. Letter from me to Chase, dated XX/XX/XXXX, requesting forgiveness of the the deferred amount based on XXXX program benefits and XXXX  rules. 

Thanks for your attention and assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 opened my credit report and i got shocked, how this account popped on my credit. I never sign any agreements or contracts with this company, i don't have any documents from this company which proofs that its my account.

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 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have a both a fraudulant collection and inquiries on my TransUnion. I have tried going direct to bureau and companies to have this removed. They have already been removed on my experian for the same reason and I have the right to an accurate credit profile according to the FCRA. 

Collection account - XXXX XXXX XXXX  ( {$570.00} ) Fraud Inquiries - XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX / XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - 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 non-monetary relief