BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-19
Company: EQUIFAX, INC.
State: MA
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 filing a complaint with Equifax credit bureau for false credit reporting on my credit report, I have dispute fraudulently account with Equifax with a copy of police report and equifax continually keep reporting the two fraudulent account, when called to speak to a representative I get the run around. This has impact my life in a bad way. it's had ruin my life. I am aware that equifax is being sue for inaccuracies on people account.  I am requesting for equifax to remove the two fraudulent account from my credit file, the two account is XXXX   XXXX for the amount of $XXXX and XXXX  XXXX XXXX for the amount $XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: EQUIFAX, INC.
State: NY
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've sent multiple request to equifax and haven't received a response in regards to my inquiry disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020, I disputed medical bills from National Recovery showing on all 3 of my credit reports. They came back to me as verified. On XX/XX/2020, I wrote to National Recovery requesting how they verified these accounts as mine, specifically asking for the document showing my signature for service and asked them for the HIPAA release as well, as you can see on the attached documents, they received specific treatment information about me. 

The following issues arise : 1. When the credit bureaus notified me that the accounts were verified, National Recovery simply sent me copies of the bills.

2. When requested their Method of Verification from National Recovery, they simply re-sent copies of the bills.

3. National Recovery has not, nor do I believe they are able to, verify that this debt ( s ) is indeed mine to pay. However, they remain on my credit reports as negative accounts.

Under code 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I have the right as a consumer to request competent evidence, that I owe this debt. A copy of the bills is not competent evidence, as I can make those up myself.

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 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
File Number XXXX I am filing this complaint because Transunion has ignored my request to be provided with the documents that their company has on file that was used to verify the accounts I disputed. Being that it has been 60+ days, far beyond the 30 days permissible by law and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have made a request of them to investigate. Please resolve this matter as soon as possible. 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 2023-07-12
Company: Experian Information Solutions Inc.
State: TX
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 Account # XXXX, has violated my rights. 

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 an account without my written instruction.

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 2019-08-19
Company: JPMORGAN CHASE & CO.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase is not servicing our loan according to FHA guidelines. They initiated foreclosure twice in 2018 during a federally-declared disaster that affected both our home and workplace. They have never had or attempted a face-to -face interview in pre-foreclosure as FHA requires and in July of this year refused to consider us for loan assistance, saying they did not receive the "initial" request in time. We filled out the rma sent to us via postal mail by XXXX  XXXX, Executive office, along with a dr's letter showing end-stage XXXX   XXXX. The rma sent by chase and this letter were faxed and sent via secure message on chase.com. We have an email saying it was received and being reviewed...and then XXXX XXXX we got a letter saying our initial request was not sent it time and we would not be considered for loan assistance. But that they were looking into postponing the sale. They said they were opening a "case" to look into it, but gave me no case number and finally after numerous phone calls, said there was no case filed and no one would be looking into it. The foreclosure is now in two days, and although the executive office has opened a case, we are being offered no other assistance or considered for any loan assistance. We were told there is a new "verbal interview"  requirement but that Chase doesnt tell you that...you have to call to ask for the "re-application" department. I can find no record of this policy or department. But the loan escalation team said it is a requirement before they will act upon any loan assistance application? Chase is not servicing our loan according to FHA requirements, nor are they following the court orders the federal government cautioned and fined them for repeatedly. They are doing irreparable harm by refusing to consider this loan for assistance, and violating the terms of this FHA loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: EdFinancial Services
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Bankruptcy

Complaint:
I have called multiple times in regards to checks that were sent out that I never received or cashed and couldn't receive any information on which checks had actually been cashed and which ones have not and so there's thousands of dollars just sitting out there not cashed and they're trying to say that I owe them for it when I never even got it in the first place

Company response to consumer: In progress
Consumer complaint received 2023-08-07
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a email from Chase at XXXX XXXX XXXX stating that Thanks for requesting a new credit card, Soon after I received a email from XXXX XXXX that a hard pull was added to my credit. I did not apply for a new card. I called Chase bank and spoke to fraud division but was told they would mail info to me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-06
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I purchased a car. My credit has always been in the high 700 's and low 800 's but at the time I purchased the car my credit rating was XXXX. All of the reports on my credit history was accurate, I have about a 7 % utilization rate, 4.5 year old credit history and except for a payment my son missed years of perfect payments. My income stream has not changed so nothing accounts for the nearly 200 point reduction in my credit. When I called XXXX  I was told to contact the individual company that wrongfully reported credit, however, all of the credit reports were accurate. All of the factors that existed when I had a XXXX credit rating are still there but my rating was XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX, AS IN THE REAL NATURAL PERSON AND ORIGINAL CREDITOR XXXX XXXX. i attached my social security card so you can't lie and say you don't recognize me as the person sending you this letter. in other words, = YES IT'S REALLY ME. I was entered into credit transactions that i did not consent to or authorize whatsoever. I contacted the Federal Trade Commission and filed a complaint # XXXX and it is attached to this letter. Please block and remove all information from my credit report, and send me an updated copy of my credit report. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). As you This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As we both know under 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX XXXX  of receiving this dispute letter an d yes the invoice is definitely attached boo. TIME TO PAY UP OR FACE LITIGATION YOU HEARD!!!! 
I demand that the following accountS be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Payment Errors:On XXXX XXXX, 2019, I was placed on a temporary repayment plan with Ocwen. My repayment plan starting with the first payment on XXXX XXXX and the last payment on XXXX  XXXX  which would have had me completely caught up as of today’s date.  I was told that I would need to make a down payment of $XXXX by XXXX XXXX which I did.  The monthly payment during the payment plan was XXXX which started on XXXX XXXX.  I made the following payments (please see proof provided) 		Date		Amount	Payment made to		Method of paymentXX/XX/2019	$XXXXOcwen				XXXX XXXXXX/XX/2019	$XXXX 	Ocwen				XXXX XXXXXX/XX/2019	$XXXX	Ocwen				XXXX XXXXXX/XX/2019	$XXXX	PHH				Bank TransferXX/XX/2019	$XXXX	PHH				Bank TransferXX/XX/2019	$XXXX	Ocwen				XXXX XXXXXX/XX/2019	$XXXX	PHH				XXXX XXXX		Total = $XXXXI was told by a representative of your company that the $XXXX counted towards payments for XXXX, XXXX, XXXX  and XXXX which does not make sense because I am not understanding where my down payment of $XXXX went.  PHH also said they took over $500.00 and put it towards the escrow which was not supposed to happen. I was told that it would be taken out of escrow and put towards my principal in 2 business days and it was not done.  I have called over 5 times regarding this issue because my account is still stating that I owe for XXXX  and XXXX   which is not the case.  •	Your company did not properly credit the payments that I have made since the beginning of XXXX in the amount of [X dollars]. This payment should have been credited to:o	[All of the payments should have been posted towards my repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed accounts with the credit company on XX/XX/2018,XX/XX/2018/,XX/XX/2018,XX/XX/2018 and reporting agencies Equifax, XXXX, XXXX, they fail to verify the accounts under the FCRA SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) also 611 ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
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 is missing that should be on the report

Complaint:
I received a letter in the mail stating they ( Transunion ) took my XXXX XXXX XXXXccount off of my credit report. I didnt ask them to do that. It is my longest credit history, therefore this will adversely affect my credit score. I previously submitted a compliant for them to update my accounts. I never asked them to delete a open 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 2020-10-26
Company: Experian Information Solutions Inc.
State: NC
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 not my account. Please remove or provide method of verification and original instruments of indebtedness. 

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 2018-02-27
Company: HW Holding, Inc
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started monitoring my credit using XXXX in XX/XX/XXXX. Upon checking my credit report, all 3 major bureaus listed Hunter Warfield as collections. I have never had any accounts or dealing with this company. I did not sign any  contracts with this company. I requested that they validate the account in which they are attempting to collect the debt by certified mail on XX/XX/XXXX. This company states that I owe them {$4300.00} and they are demanding that I pay this amount. They are insisting that this is my debt. However, it is not. They refuse to remove this information from my credit report, as it is wrong. Each month this company reports to the three credit bureaus raising the alleged amount of debt. This is proven to be injurious to my credit standing. I applied to XXXX XXXX XXXX XXXX to refinance my vehicle but because of this debt reporting for the above amount stated they were unable to refinance my vehicle.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I bought a car radio on XX/XX/2020. I was told I was going to get a call when the part comes in to the shop. I did not receive a call in over two weeks. So I call the shop back and was told the part was in and to bring my vehicle in to get service. I was not able to bring the vehicle in two and half weeks after purchasing the product which I did not receive due to vacation and quarantine issues. In the meantime I travel back home to XXXX, Ga. Thereafter I called the merchant back to request for a refund in which the guy who service me stated I could dispute it with my bank. Four weeks later I called the merchant again and was told the guy who service me was fired and no longer working at the shop due o other unrelated issues.I notified the shop that I needed a refund in which he stated the refund will be issued by my bank. As of today I have not received a refund for the full payment of {$730.00}. The owner of the shop stated to me he is not certain if I received service or the product. In the meantime I received a letter from my bank stating MasterCard stated the product was shipped to me but the merchant never supplied a shipment receipt of the product. I rebuttal the decision with my bank in which I was told I could contact CFPB to assist with this matter since the merchant is not responding. I also made a complaint with the XXXX  in which the merchant never responded back neither complaint # 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 2020-12-09
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020 a notice of payment was sent 2 my address from Jefferson Capital. The notice stated that there was an account that was in collections. The amount was {$1600.00}. This account is the result of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: NY
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:
in response to Experian, I XXXX XXXX XXXX am a victim of identity theft and I did send in this complaint

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 2019-08-19
Company: AES/PHEAA
State: UT
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 requesting FED LOAN SERVICES to remove all reporting of any accounts as they have failed to provide the credit bureaus 100% accurate and complete information of the TERMS and balances correctly on the loans each month. They are required to provide as the DATA FURNISHER 100% accurate information to the credit bureaus. I have disputed there accounts on my credit reports because they have been LAZY in providing 100% accurate and complete information under my name. Therefore I am requesting immediate removal of any accounts under my name to any of the major credit bureaus as these are major violations failing to provide 100% accurate and complete information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
the constant mismanagement of student loan debt. I have had XXXX, XXXX XXXX among with others and now passed on to them who are doing the same XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
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: Was not notified of investigation status or results

Complaint:
On XX/XX/ 2019 I disputed an account reported by XXXX XXXX XXXX XXXX to EXPERIAN. I was notified on XX/XX/2019 by Experian that the item was deleted from my credit report. On XX/XX/2019 the same account got reinserted into my credit report without notifying me within 5 buisness days.

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