BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-04
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX Cell Loan number XXXX Dear sir or Mam : I am putting a complaint against my mortgage company who is FREEDOMMORTGAGE, who hold my mortgage payments. I was without a job for almost 2 years and I had few projects in-between and not enough money to pay my mortgage. My family and friends have help me save my house so far. 
I just got a job with XXXX as an XXXX XXXX XXXX. My salary is XXXX a year. I have provided the Freedom Mortgage company with my offer letter and filled all forms for LOSSMIGITATIION. 

They are not willing to put my loan back to normal as I have requested with them. I owe them XXXX dollars and no way I have that in cash to pay them. I want to save my house and I can pay my mortgage now monthly bases. I would like them to accept my offer and proof of job letter and modified my loan back to monthly bases. I will attach a job letter and the forms I sent them. 
They see my house as an asset which has equity built in too the house. They are not accepting my job salary stating that it is a vendor who is paying you and we dont accept that. I dont understand this at all. When I bought my house, I was being paid by an vendor agency at that time so why did they accept my money then and not now that is my question to them. I need someone from your company to discuss this and make an agreement with them to make my mortgage normal ASAP. 









Please help me save my house in anyway you can. 

Thank you 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 2023-03-22
Company: Experian Information Solutions Inc.
State: NJ
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. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX Account XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-30
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
These accounts are affecting my credit report. Please remove them so this does not happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: FISERV INC.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TRS Recovery Services is attempting to collect an XXXX debt of {$13.00} that is not mine. The debt is not mine for the following reasons : I submit the following : The debt of {$13.00} for a transaction on XX/XX/2022 is not my debt and this was verified by a personal phone call to XXXX who assured me that I do not have any outstanding balance or debt on my account. 
The banking information with the account XXXX that you list in the Payment and Transaction history is not my checking account. I do not have, nor have I ever had an account with that bank account number. A quick search of my personal checking verifies that this transaction never occurred on any of my personal checking accounts. This was easy for me to verify because I am employed at the bank in which I do my personal banking. I will not be providing you with that record because the burden of proof does not rest with me because the account listed isnt mine. You will need to find the correct owner of the account for that information. 
The billing address listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not my address, nor has it ever been my address. 
The delivery address of the XXXX item to be delivered is listed as a mailbox in : XXXX XXXX XXXX. I do not live, nor have I ever lived in XXXXXXXX XXXX 

I have been sent a letter of collection three times. I ignored the first letter but have responded to the second two requests. In the requests, TRS is asking me to provide personal information ( Social Security #, Driver 's License #, bank routing # and account #, etc. ). I have not provided this information in fear that providing it would give them the means of hitting my credit report for an unmerited charge or the information needed to draft the payment and penalty from my banking account.

TRS is also asking me to complete a Forgery/Identity Theft Declaration. This would be inappropriate, because there has been no forgery or identity theft attempt. The delivery address, billing address, and banking account # listed is not mine so no forgery or identity theft occurred. TRS has simply attached the debt to the wrong person

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
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:
for the lift of my loan my lender has been tacking on late fees when payments have been made through auto debit. I don't control when their auto debit goes through, yet, I still get late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Experian Information Solutions Inc.
State: SC
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:
I relocated to South Carolina in XXXX. I went to open up a new bank account and I was denied. I was wondering why I was denied. I recieved this letter from someone I've never heard of. Clarity something to do with Experian? I have never heard of them and wondering why I wasn't notified about this other credit agency? So I contacted them asked them who they were upon my disbelief they have stuff on me that isn't even phesable. Why isn't consumers being told about these other agency 's? They are hindering me and my credit really bad and Iam asking that you close this. I haven't been perfect but Iam trying to improve my credit and stay on top of things. Then this makes no sense at all to me and why are they considered a credit agency? Clear back in XXXX and XXXX my life was hit with challenges now 7 years later this is showing up. I'm XXXX. Why haven't I been alerted about this its wrong and regardless if it's legit Iam requesting it to be removed.

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 2023-02-07
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime closed my savings account without notice. 

I reached out to their support team and the support phone numbers and was met with no help. I was given no reason for the account closure and no options to recover. My funds were locked and unable to complete pre-arranged payments even affecting my mortgage. 

When I mentioned I was left in a dire situation and my XXXX XXXX was affected because of distress, the customer support did not offer any help. 

I still do not know why my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a Factual dispute to Equifax, XXXX  and XXXX  on XX/XX/XXXX. It was regarded a late payment and incorrect reporting as well as inaccurate account numbers discrepancies in the difference dates of the reported late payment on each credit report. I submitted supporting documents and never heard back. My reports never updated to show account in dispute. I made several calls to them and nothing was done. I waited at least 45 days and called and one by one each credit bureaus claimed to have completed their investigation and never mailed me any proof. Equifax actually removed the late payment and then reinserted it back on credit report. XXXX  has a 90 day late reporting for XX/XX/2018, Equifax has it showing XX/XX/2018 and XXXX has it showing late XX/XX/2018. I further disputed the way the late was reported. No 30 or 60 day late the jump to 90 day late which the FCRA 609 guidelines clearly states is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I hired this lady and paid her via XXXX XXXX to make documents for my business. Never received anything from her and I want my money back. She apparently lied to the bank and got my credit reversed back.

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 monetary relief
Consumer complaint received 2023-02-24
Company: PNC Bank N.A.
State: TN
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:
XX/XX/XXXX, I was notified that PNC BANK stopped reporting to the credit bureaus which dropped my XXXX XXXX XXXX points. After a year of investigation and 7 dispute letters, PNC Dispute Department stated that they would need the reaffirmation letter regarding my auto loan so that they can continue to start reporting back to the credit bureaus. PNC advised that they didnt have the reaffirmation letter from XXXX on record and thats all they would need to start reporting back to the bureaus. I have been working closely with their dispute department, 2 different associates in the department and they explained that all they would need was the affirmation letter and PNC will then start reporting it back on my credit report. I sent the required documentation in on XXXX. Today, XX/XX/XXXX, I received a letter stating that they arent going to report it back even though my auto loan has always reported to my credit report as a positive, active account - no payment has ever been missed or late. I am demanding this to be reported back to the credit bureaus on my report. I was given false information for a year and provided all necessary documentation. This is unacceptable and this should have never stopped reporting on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
company name : XXXX XXXX XXXX XXXX  XXXX US {$2100.00} on XX/XX/2020 CITI BANK CREDIT We received your documents We'll update you once the investigation closes Thank you for providing additional documentation were reviewing your case details Thanks for getting back to us with more information about your case. Its all under review, and well be in touch shortly. 

CONDITIONAL CREDIT APPLIED This credit will typically post to the primary cardholders account within 2 days of the dispute being opened. 

Card details Card ending in - XXXX Reason for Dispute Canceled service / goods Credit Status Conditional credit applied Case ID 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 2020-07-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Bread Financial Holdings, Inc.
State: TN
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:
Comenity Capital Bank is showing that I'm more than 30 days late on my XXXX and XX/XX/2022 payments. This is showing up on my credit report. It has caused my credit score to spiral as a result. Because of this my other credit cards have reduced my available credit by thousands. This is keeping me from purchasing a reliable vehicle. I have bank statements showing that I made payments on time in both XXXX and XXXX of XXXX. I have filed multiple disputes with all 3 credit agencies and Comenity Capital Bank still refuses to correct this error on my credit report. I've tried speaking to them in person as well and just get the runaround. I need this fixed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ
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:
Incorrectly verified false information, negative information remains on my Credit Reports.

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 2020-04-25
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I filed an identity theft report with FTC, the response dated XX/XX/2020 was basically that they received the report but will not be further investigating, nor removing the inaccuracies off of 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 2019-03-04
Company: Experian Information Solutions Inc.
State: LA
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 disputed an account with Experian Several times, They are not performing a proper investigation and stating the account is verified, I asked for the method of verification and for any form of proof this account is mine. i asked for the contact information of the person they verified the account with and they have not provided any. i have been disputing this account since XXXX. I have spoken with the creditor, and they have not been contacted by experian. They creditor can not provide proof this is my account. I am so frustrated with experian at this point. They are ignoring my request, and reporting whatever they choose and the information is inaccurate and unverified. This account is very damaging to my credit profile. I don't know what else to do to get this account fixed on my credit file please help.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2019-03-04
Company: JPMORGAN CHASE & CO.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ordered some things from XXXX previously. They had the option of getting {$50.00} off for opening a Chase Credit Card. I opened the Chase Credit card. Later I ordered some items and put it on my debit card. I never heard anything until about 6 mos later stating I owed an amount of {$220.00}. They could not tell me what items had been purchased. Chase said I would have to call XXXX and they could not tell me what the items were either. I knew I had not charged anything on the Chase card. So I asked them to report it as fraud. 

A few mos later I got another bill stating they associated it with my email. They named off items I had ordered but I never put anything on a chase card. I always ordered things with my debit checking account. 

Supposedly, according to them I put three amounts on the Chase card on XX/XX/XXXX. {$28.00}, {$82.00}, and {$110.00}. 

Now they are sending me to a collections agency. I am upset that they are being dishonest and trying to say that I put things on the Chase card when I never did. And why didn't they bill me immediately after the order. I feel they are being dishonest.

Company response to consumer: Closed with explanation