BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-27
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
JP Morgan Chase Bank is misreporting a balance to my XXXX credit report. The account was settled for less than full, and is reporting correctly on both my XXXX and XXXX credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an account in my file as authorized person. I did not authorized this in my file and did not know who did. 
Capitalone XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: AmeriHome Mortgage Company, LLC
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
AmeriHome is not complying with the CARES Act. AmeriHome has actively deceived me. I asked for a deferment for my VA-backed loan. AmeriHome activated a loan modification instead of the deferment, with very unfavorable terms, without my consent. 

Forbearance period XX/XX/XXXX through XX/XX/XXXX. 
Requested deferment XX/XX/XXXX AmeriHome sent Loan Modification instead of deferment. XX/XX/XXXX Contacted AmeriHome XX/XX/XXXX. They refused Deferment option described in the CARES Act for VA-backed loans.

AmeriHome is trying to bully homeowners into foreclosure or unfavorable loan modifications without following the CARES Act. AmeriHome is a collections agency. They have no incentive to help homeowners. Talking to the collections agency employees makes it clear they want to foreclose or charge huge fees for loan modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: CIT BANK, NATIONAL ASSOCIATION
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XXXX of 2019 a company called XXXX XXXX arranged financing for an equipment purchase through CIT. CIT claims to have provided XXXX XXXX with a sum of money, I am not sure what amount and neither CIT or XXXX XXXX will provide me with any kind of ledger. The agreement with CIT was/is a 38 month agreement with two payments of {$49.00} and 36 payments of {$630.00} dollars. These payments were made in good faith for nine months. During which time I have received no equipment or services from XXXX XXXX. I did not realize on entering the agreement that CIT would be sending a lump sum payment to XXXX XXXX as this is not stated in any part of the the agreement. I have been in contact with both the lender CIT and the company they supposedly sent money to on my behalf. Neither will provide an accounting and I have yet to receive any equipment or service from XXXX XXXX. The fact that the loan amount was not disclosed in the agreement as well as the fact that CIT never disclosed that the funds would be released in a lump sum and that I can find no where that I authorized the funds be sent directly to a third party seem to me to be a very deceptive lending practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late.

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 2019-08-22
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:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2019-08-22
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
All equipment was returned via XXXX on XX/XX/XXXX to XXXX XXXX XXXX and confirmation was made that equipment was received on XX/XX/XXXX and the XXXX reference #  XXXX XXXX XXXX XXXX was contacted DATE/TIME : XXXX XXXX Reference Number : XXXX in regards to this and I was told that XXXX : I was able to confirm that it was already returned. 
XXXX : On XX/XX/XXXX. 
XXXX : Please expect the refund within 1-2 billing cycles. 

DATE/TIME : XXXX XXXX and the Reference Number of the chat is : 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 2020-12-04
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i already disputed this account. debt collector has failed to respond to my dispute. the account is not mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
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: Account status incorrect

Complaint:
ON XX/XX/XXXX XXXX XXXX XXXX XXXX REPORTED IN CORRECT INFORMATION TO THE CREDIT BUREAUS. 

EXAMPLE : CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

ISSUE 1 ) STATUS IS INCORRECT AS THE STATUS SHOULD BE PAID CHARGE OFF AS THE ACCOUNT HOLDER MADE A SETTLEMENT TO PAY OF THE ACCOUNT IN THE AMOUNT OF {$960.00} ON XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. 

ISSUE 2 ) CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

ISSUE 3 ) CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS IS FALSE AS THE ACCOUNT WAS PAID IN THE SETTLEMENT ON XX/XX/XXXX. 

ISSUE 4 ) COMMENT SECTION STATES ACCOUNT PAID FOR LESS THAN FULL BALANCE. THE SECTION SHOULD READ ACCOUNT WAS PAID ON SETTLEMENT AGREED BY CREDITOR. 

ISSUE 5 ) THE 81-PAYMENT HISTORY IS INCORRECT AS THE CO STATUS FOR XXXX XXXX, XXXX, XXXX IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

ISSUE 6 ) THE 81-PAYMENT HISTORY IS INCORRECT IS INCOMPLETE AS IT FAILS TO STATE FOR YEARS XXXX, XXXX, XXXX, XXXX. 






ON XX/XX/XXXX XXXX XXXX XXXX XXXX REPORTED IN CORRECT INFORMATION TO THE CREDIT BUREAUS. 

EXAMPLE : CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

ISSUE 1 ) STATUS IS INCORRECT AS THE STATUS SHOULD BE PAID CHARGE OFF AS THE ACCOUNT HOLDER MADE A PAYMENT IN FULL IN THE AMOUNT OF {$300.00} DATED XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. 

ISSUE 2 ) CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

ISSUE 3 ) CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

ISSUE 4 ) THE 81-PAYMENT HISTORY IS INCORRECT AS THE CO STATUS DATES IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

ISSUE 5 ) THE 81-PAYMENT HISTORY IS INCORRECT IS INCOMPLETE AS IT FAILS TO STATE FOR YEARS 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 2020-05-21
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2019, was the first email receive to confirm email at Regions Bank from XXXX XXXX XXXX  XXXX Originator NMLS # XXXX. 
On XX/XX/2019 I requested a letter of pre-approval from the lender at Regional Bank in order to start looking for a home. 
On XXXX the XXXX 2019, We Receive a letter of pre-approval stating that it was for a conventional load. ( attach letter ) On XX/XX/2019, we were under contract with XXXX XXXX XXXX as your Title Insurance providing us with quality title and escrow services.Effective Date : XX/XX/2019 Survey Due : within 10 days - Expires XX/XX/2019 Option Period Runs : 10 days - Expires XX/XX/2019 @ XXXX XXXX title Commitment Due : within 20 days - Expires XX/XX/2019 Financing Addendum Runs:15 days Expires XX/XX/2019 Closing Date : XX/XX/2019 ( attach paper receipted ) XX/XX/2019, Title Commitment to Buyer ( attach receipted ) XX/XX/2019 email send about Regions Portal to access load application. 
XX/XX/2019 email was send to Lender about the status of the loan. as well the appraisal for the listing agent. 
XX/XX/2019 Loan Application ( Signed Documents Received ) XX/XX/2019 Document for the warranties for home were received. 
XX/XX/2019 email letting us know we need it to change loan programs. 
At this point we felt that the lender XXXX XXXX XXXX Mortgage Production Manager NMLS XXXX, didn't want to help us or give us options of what was happening and why it took this long to change loads, We felt mislead and deceived. 
We talk to the real state agent XXXX XXXX XXXX XXXX XXXX to see what were our options and she recommend to go to a new lender. 
XX/XX/2019 Mr. XXXX send us an email requiring more information to be send to the underwriter. 
XX/XX/2019 we send everything to the regions bank lender to be send to the underwriter. Plus new contact for the earnest money to be release and prepare a new contract on FHA loan terms. 
XX/XX/2019 at XXXX XXXX  via text lender send us a text that our file was withdraw due to us getting a second opinion with another lender. 
XX/XX/XXXX XXXX email was receive stating with a letter of declination that will be mailed via USPS to the addresses of record on the loan application.

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 2022-11-06
Company: EQUIFAX, INC.
State: MD
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:
Data x want to put a freeze on my credit file from them reporting my credit information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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 humbly submit this complaint as I have contacted this creditors and the credit reporting agencies on various fraudulent accounts multiple times and requested an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft : XXXX XXXX -- XXXX XXXX -- XXXX ( {$1000.00}, {$2000.00} ) 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 2020-07-06
Company: EQUIFAX, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I had a XXXX card that is now closed which was agreed on a buyout and I recently was on my XXXX XXXX and noticed it saying it was closed and is possibly building $ unsure what exactly going on there since it was all paid up however it was all agreed upon with a one time fee which I had paid and all was gon na come off my account. For some odd reason it is still showing on my credit parts from XX/XX/XXXX. I just want it settled and updated for XX/XX/XXXX that I do not owe anything since It was settled between myself and customer service.

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 2020-01-22
Company: FMS 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: Account status incorrect

Complaint:
FMS IncXXXX is reporting incorrect information on credit report in that they are reporting accounts that are being paid through an official agreement ( payment plan ) with XXXX XXXX XXXX Hospital, accounts that are not being handled/overseen by FMS but directly with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Paramount Capital Group, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit reports show that account has missed payment/negative month/derogatory remark. I have never missed a payment and creditor agreed to offer a discount for a full payment. I would like the missed payment/negative month/derogatory remark removed from my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Problem with personal statement of dispute

Complaint:
I have sent XXXX  and Transunion 5 letters disputing an charge off in the amount off {$3300.00} from XXXX XXXX. XXXX  and Transunion did not verify the accounts according to Federal law nor supplied me with any copies of Original contracts with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and did not delete the unverified information on my credit report.

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 2020-05-21
Company: Experian Information Solutions Inc.
State: NJ
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:
Payoff/settlement agreed via letter dated XX/XX/19 - amount agreed {$14000.00} by XX/XX/19 to satisfy loan in full. Amount sent overnight and signed for received in accordance to offer - check cashed. Title never released. Eight months later after repeated requests for communication and explanation, still no title and loan balance on recent statement shows loan is still open. 
Loan has not been reported as satisfied to all credit reporting agencies as of this date even though the loan was paid in full in accordance to payoff agreement XX/XX/19. 
Still no communication or explanation from XXXX XXXX XXXX in XXXX XXXX PA after repeated written and verbal requests. 
My rights under FCRA have been violated and I believe fraud is involved. I need this resolved ASAP.

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 2022-08-05
Company: EQUIFAX, INC.
State: IN
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:
In accordance with the Fair Credit Reporting Act Equifax Report # XXXX has violated my rights as a consumer, natural person.

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 instructions 15 U.S.C 1681a ( 3 ) section 602 states Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 U.S.C 1681a ( 4 ) section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681b ( A ) ii states the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

I did not give Equifax, consumer reporting agency the right or consent to furnish, establish or publish any report on me with my personal information. My privacy has been violated, my demands have been ignored. This report that has false, incorrect and inaccurate information has caused me financial stress, hardship, and denials to everyday life essentials. This has affected my life in a terrible way and Equifax has failed to do their duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
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 AM A VICTIM OF IDENTITY THEFT. THIS IS MY OFFICIAL NOTICE OF CRIME BEING COMMITTED AGAINST ME. UNDER SECTION 605B OF THE FAIR CREDIT REPORTING ACT ( FCRA ) AND IT ENTITLES AN IDENTITY THEFT VICTIM TO CERTAIN IMPORTANT PROTECTIONS THAT CAN HELP ME RECOVER MORE QUICKLY IDENTITY THEFT. SPECIFICALLY, UNDER SECTIONS 605B, 615 ( f ) AND 623 ( a ) ( 6 ) OF THE FCRA, AN IDENTITY THEFT REPORT CAN BE USED TO PERMANENTLY BLOCK FRADULENT INFORMATION THAT RESULTS FROM IDENTITY THEFT, SUCH AS ACCOUNTS OR ADDDRESSES, FROM APPEARING ON A VICTIMS CREDIT REPORT. IT WILL ALSO MAKE SURE THESE DEBTS DO NOT APPEAR ON THE CREDIT REPORTS. THESE ARE NOT MY ACCOUNTS PLEASE REMOVE THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im a consumer federal agent my client XXXX XXXX XXXX has been a victim of identity theft and he file disputes several times and still no result I dont need to remind you of your job In accordance with the fair credit reporting act XXXX  account # XXXX Has violated my right 15 U.S.C 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 Also state s consumer reporting agency can not furnish a account without my written authorization If you failed to respond within 30 days we will take legal actions because youre breaking big violations

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 2019-08-21
Company: NAVY FEDERAL CREDIT UNION
State: VA
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 had a signature loan for about three years with Navy Federal. I have never gone 30 days past due on my payment. I called Navy Federal on XX/XX/XXXX after discovering they took social security ( protected funds ) from my account to pay towards my loan which was a few days past due. I have spoken to them about this on numerous occasions and they tried to say that because I moved the funds from the savings into the checking that it was no longer protected, which is absolutely incorrect! My loan was due according to my XX/XX/XXXX statement for XXXX. I called and set up two payments one for XXXX to be processed on XX/XX/XXXX and another payment of XXXX to be processed on XX/XX/XXXX to satisfy the remaining balance on my loan. I called their collections department and got the XXXX amount from the representative. Last week on XX/XX/XXXX I checked my online banking app to make sure there was nothing owed on the loan, and it read XXXX $ balance, and I was not past due. Today when I opened the app it said I was XXXX days past due for a XXXX late fee that posted on XX/XX/XXXX. I was not notified of this and was utterly confused as to how I can go from owing nothing and not being past due to a week later I am now XXXX days past due. When I called Navy I spoke to collections twice, I spoke to lending and a lending manager and member services. Everyone acted as if I was in the wrong and it was my fault for not realizing I was going to get hit with a late fee a month later even though I paid off the loan and I was given no reaction time since when the fee posted I was instantly put at 30 days past due. I am beyond furious at Navy stealing my social security funds and then trying to justify it AND me satisfying my loan balance and the amount put on my statement, and still being reported for credit. The lending manager said she would pull the call and if SHE feels I was given the incorrect amount, said they MAY see about getting this removed. Navy Federal is still up to their deceptive ways and I am going to be pursuing legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation