BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-06
Company: EQUIFAX, INC.
State: SC
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 sent several documents showing the credit bureaus that the following accounts were deleted from my credit report from XXXX : XXXX XXXX XXXX XXXX XXXX XXXX- listed before as XXXX XXXX XXXX XXXX/XXXX ( XXXX ) -this company notified all credit bureau informing them of fraudulent charges XXXX XXXX Accounts- Unauthorized signature on Loans from XXXX XXXX University and XXXX XXXX XXXX XXXX- I have one account not ten XXXX XXXXl accounts were sent to collections violating HIPPA. 

The accounts were added back to credit reports. This has stopped me from becoming a home owner. 
Please investigate this matter because I have requested the original documents with signature but the credit bureaus are refusing to provide this information. I feel this is discriminatory and bias. No one should have to send documents on top of documents and the information is still on the credit report. In addition to this, I am told to contact the creditors for documents. Why is this? A consumer reporting agency suppose to provide that information. According to Section 609 ( Every consumer reporting agency shall, upon request, and subject clearly and accurately disclose to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX  I transacted with XXXX XXXX XXXX XXXXo get a home mortgage pre-approval, which according to them required a credit report be pulled from Equifax, XXXX, and XXXX. Starting on XX/XX/XXXX  I have received on average 10 phone calls per hour on my mobile phone from mortgage companies soliciting home mortgages. The credit bureaus clearly shared my information to others outside XXXX  XXXX XXXX without my consent and now I am being inconvenienced at an unacceptable rate with calls, texts, and emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: TX
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:
address that are not mine : 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 accounts that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX department of Treasury 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 2021-10-04
Company: TD BANK US HOLDING COMPANY
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 information incorrect

Complaint:
Affidavit Of Truth To Update Information XXXX XXXX NOTICE AND DEMAND TO UPDATE INFORMATION From : XXXX XXXX XXXX XXXXcation : XXXX XXXX XXXX XXXX City & State : XXXX XXXX PA XXXX To : TD BANK USA/TARGETCRED Address : XXXX XXXX XXXX City & State : XXXX, MN Zip Code : XXXX REF : Your correspondence purporting to allege LATE PAYMENT TD BANK USA/TARGETCRED Account # XXXX NOTICE OF CLAIM UPDATE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS *******SILENCE IS ACQUIESCENCE******* _____________________________________________________________________ I XXXXXXXX XXXX XXXXXXXX, A WOMEN, non-adverse , non-belligerent, non- combatant party and Executor with FULL LIFE am in possession of your recent voluntary submission of evidentiary documents.

TD BANK USA/TARGETCRED is in violation of 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TD BANK USA/TARGETCRED have reported to XXXX a late payment on XX/XX/2016. 

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. Update all payments to exceptional 2. Apologies to me in writing Failure to comply will result in a violation 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) 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 ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: JPMORGAN CHASE & CO.
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 writing to JPMCB CARD SERVICES because I am having difficulties with applying for new credit cards. I paid the charge off and do not owe anything, but the marks in my XXXX, XXXX  and XXXX  reports prevents me from achieving the desired results. 
I am kindly requesting JPMCB CARD SERVICES to remove this paid charge off account from my credit report as a gesture of goodwill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a public record on my LexisNexis file that is not mine. I have dispute the item with them twice and they have verified the item 2 times. 

I don't understand how it is verified when the address on the public record does not belong to me and has never been associated with me. 

The items were disputed on : XX/XX/2019 XX/XX/2019 Again, this public record does NOT belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Experian Information Solutions Inc.
State: NC
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:
Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these 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 non-monetary relief
Consumer complaint received 2018-08-05
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed this collection with the credit reporting agency and they reported you confirmed the account as reporting valid. There are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I demand this account be thoroughly investigated and removed from my all my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: Bread Financial Holdings, Inc.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was called eight times on Friday by XXXX XXXXXX/XX/XXXX ( Ohio ). When I confronted the caller about excessive calls she said they dont have to follow UDAP rules. I also mentioned that they use blocked numbers and she told me that they dont, however the call I was on was from an unknown number with XXXX concerning a missed payment. On Thursday they called six times, Wednesday they called two times as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
What's Happened? 

I opened a Home Equity Line of Credit with XXXX on XX/XX/XXXX for {$42000.00}. Using my bank account, I set up an auto payment for {$500.00} a month and on XX/XX/XXXX paid {$500.00} so the total amount due from {$42000.00} was down to one final payment of {$150.00} ( so I thought ). It was actually {$150.00}. I went ahead and paid through a one-time payment from my bank account {$150.00} on XXXX XXXX, XXXX and didn't cancel the {$500.00} auto pay. Thinking the home equity line of credit was paid off and not worried about payments, the auto pay continued to send {$500.00} on XX/XX/XXXX, another on XX/XX/XXXX and XXXX more XX/XX/XXXX. I was credited back each time for {$500.00} and my bank stopped the auto payment on XX/XX/XXXX. -- THIS IS NOT MY COMPLAINT. 

In XX/XX/XXXX, after what I thought was my final payment XX/XX/XXXX of {$150.00}, XXXX XXXX app updated and showed that XXXX closed my account at the same time ( XX/XX/XXXX ). Learning now, it wasn't because the account was paid off. They sold my mortgage of {$150.00} to XXXX ( Who are they? I had no clue ). I thought they were a scam company. Neither XXXX or XXXX reached out, never showed another mortgage company on my credit history and had no idea XXXX sold my {$42000.00} loan from XXXX for {$150.00} right before my final payoff. The account was closed or so I thought. On XX/XX/XXXX - XXXX  just reported to XXXX and Equifax that I haven't paid my mortgage and my credit score dropped like XXXX XXXX in XXXX XXXX XXXX PunchOut. After hours on the phone with XXXX, I was told that I couldn't payoff the amount of {$150.00} because it has to be a certified check or money order ( Unfortunately, we are now dealing with CoronaVirus and that isn't getting sent out any time soon ). AND, They are charging me the {$150.00} PLUS, interest of {$8.00}, PLUS, {$16.00} late fee, PLUS {$100.00} recording fee. So not only my credit was hit, but my final payoff amount went from {$150.00} to {$280.00}. Oh, and please don't forget I had my auto pay set up this entire time to XXXX until XX/XX/XXXX getting the payments credited by to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions 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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my 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 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my 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 2023-07-04
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: Their investigation did not fix an error on your report

Complaint:
TO WHOM THIS MAY CONCERN I AM A VICTIM OF ID THEFT, I PREVIOUSLY DISPUTED THIS ACCOUNT OF MY REPORT, THE PREVIOUS AMOUNT WAS WRONG IT WAS {$18000.00} NOW YOU GUYS HAVE UPDATE IT TO BE {$5400.00} INSTEAD OF REMOVING IT, IT WAS CLAIMED TO BE VERIFIED THEREFORE. I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor. 
2. The contact information for the creditor. 
3. The name of the person who verified the item to you. 
4. The method of communication you used to verify this information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-05
Company: HEARTLAND PAYMENT SYSTEMS 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 status incorrect

Complaint:
Tuition service provider has incorrectly assessed my account as delinquent and reported such to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX - At XXXX I received a call from a number that matches the Chase Bank Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX The call was a phishing scam perpetrated by someone claiming to be a Chase representative. The caller asked me to verify if I had made a purchase with my debit card at a XXXX XXXX in XXXX, AZ which I promptly denied. I was then asked to verify my card information, not knowing that this was a scam, and my card information was leaked to the caller. I go to check my accounts on the Chase app to find that multiple ATM withdrawals were being made immediately after the phishing call ended at the Chase branch at XXXX XXXX XXXX XXXX, XXXX XXXX, IL. In total, XXXX separate withdrawals were completed of varying amounts totaling {$1400.00}. Why was this not flagged as abnormal financial behavior? I froze my card, called Chase and was able to file a claim to have these funds reimbursed upon further investigation. I received a new debit card. 

XX/XX/XXXX - I received a letter in the mail from Chase saying that after their investigation it was found that these transactions supposedly were authorized by me, and the claim was denied. This is utterly false. I was then sent chasing after various Chase representatives on the phone who were unable to provide adequate information about how to proceed with appealing the claim. Nor was I able to access any higher-ups. I was simply told I needed to providing supporting documentation to my case without any indication of what type of information I should seek to provide. 

XX/XX/XXXX - I met with a representative at the XXXX XXXX XXXX branch in XXXX XXXX, IL in the morning. The representative called claims to see what could be done. Since I " willingly '' leaked the information, nothing could be done as per the funds being reimbursed. Furthermore, it was stated by claims that only half of the ATM withdrawals were included in the claims which is indicative of the carelessness of whoever filed the original claim since I explicitly stated each transaction that was to be included in the claim. A complaint was filed with Chase, and I await to speak with corporate to open a new case. This is extremely disappointing as a Chase customer and I feel unprotected as a result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-27
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
when paying my mortgage i call and pay over the phone the mortgage company all way harerass me. by say that i am later or i miss a payment an they keep on .this has been gone on for a year and just are try to make say taht i miss a payment they get mad then i dont say taht miss a payment or later i dont what to do iam trying to pay my mortgage that is all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Throughout 2020, I contacted Capital One, asking for relief for credit cards due to covid-19 impact, loss of income, and unemployment. The misinformation, inconsistency, and incompetency has now resulted in my account being charged off, after I had set up payment arrangements in XXXX, for a 3 month period. Now I have XXXX XXXX contacting me, threatening court, additional charges, and accusing me of ignoring their calls. I am a XXXX XXXX owner and was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX who has been working 10-15+ hour shifts, driving over an hour to work. Can someone help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
During the mortgage loan application for my house ( first time buying a home ), the Loan Officer at Golden Empire Mortgage, XXXX XXXX, promised me to exclude the loan origination fee in the amount of {$2400.00}. I was rushed to sign all the loan documents by the notary, and was told that XXXX was going to go over all the details with me later the same day. Nobody disclosed to me that I would have 3 days to go over all the details, and that I had the right to cancel the loan if there was anything wrong with it. When I realized that the fee of {$2400.00} was not removed, and I asked XXXX XXXX about it, this was her response : " Oh shoot, I forgot.. do you want me to redo the whole loan, which will take another 30 days or so? ". Again at any moment she told me that I had 3 days from the day I signed the loan papers to either cancel or adjust any discrepancy. I was really disappointed with the dishonesty and the lack of respect to me as a consumer/client. If I knew I had 3 days to go over the details of the loan and fix any errors or discrepancy in any money amount, I would have totally argue/fight to have that amount adjusted/removed from the loan. I thought that once the papers were signed that was it I could not go back or fix anything. I could not redo the whole loan, as she suggested and wait another 30 days because I had already given the 30 days notice to my previous landlord, so I had to move into the new home within the next couple of weeks. I will never ever recommend GEM mortgage to anyone, especially this particular loan officer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-09-09
Company: Netspend Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have been charged so many fees for the cards I have and I was not informed if the fees. I am asking for a refund of the fees and statements for all accounts in my name under my Social Security number.

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