BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-09
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: Personal information incorrect

Complaint:
The following names, addresses and SSN 's are incorrect and should not be associated with my credit report.
Incorrect/Inaccurate Names : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect/Inaccurate Addresses : XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX  XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX  XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CO XXXX XXXX XXXX XXXX XXXX CO XXXX  XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX  XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX  Social Security Numbers that are not mine : XXX-XX-XXXX XXX-XX-XXXX XXX-XX-XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12
Company: URS Holding, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I initially contacted XXXX regarding the vehicle I purchased and was immediately told with me surrendering the vehicle my credit score would severely be impacted. There was no way for them to work with me regarding the vehicle. I started calling them on XX/XX/2019. They turned the debt over to a collection company. The company has now started to call my family members. They should also provide to me how much they purchased my account for. I would like the information in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: United Group Inc.
State: WA
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:
Today XX/XX/2020 I checked my credit report and seen I had a hard inquiry from a loan company called United Finance on XX/XX/2020. This doesn't make sense because 5 days ago I never gave authorization for this company to make any inquiries into credit. Nor was I seeking funding from this company for anything. I called the company today and they acted like I didn't know what I was talking about and told me to take it up with the credit bureaus. I'm currently disputing this to prevent fraud anymore on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: JPMORGAN CHASE & CO.
State: CA
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:
I received an email alert from my credit monitoring service that a credit account had closed under my name. I then proceeded to go onto Chase online and noticed that indeed one of my accounts had been closed. The account ending ind XXXX. This is not the first time Chase has closed an account under my name due to inactivity or attempted to do so. 

Previously, I did receive a letter in the mail and I contacted the bank and they kept an account open. The last time they closed my oldest tradeline with no warning other than to say we sent a letter to you. I fought that issue and lost unfortunately. 

This time, Chase is at it again. In regards to my account ending in XXXX, I spoke with three representatives who all said that they sent me a letter at the end of XXXX and that there was nothing else they can do. I have been escalating the issue further and further to climb up the ladder and maybe get this issue to a product manager who can actually make the decision to re establish an account.

Chase has made XXXX good faith effort to reach me as their customer to inform me of a serious matter of account closure. It is XXXX not XXXX, they have multiple methods of reaching out to a customer. I never received any postal correspondence from Chase and there is no real way to dispute that as there is no tracking information on a form letter sent through the post office. But Chase has my email address, my phone number and a secure messaging service on the online banking service. None of these methods were used to contact me to inform me of a serious issue regarding account closure. 

This will again cause real meaningful harm to my credit as it will be a second long standing card that has been closed by the issuer. That is now a derogatory remark on my file and reduces the age of my credit and also increases the total utilization ratio of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Delivery Financial Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collections in question was from a hospital called XXXX Hospital that went bankrupt and shut down. All records and billing were ordered to be destroyed. I have disputed this debt and asked for debt validation repeatedly, as recently as XX/XX/2020, and have received nothing. I am not even positive what this bill is for, but I know that I had medical insurance at the time and it would have covered this debt had the hospital contacted my insurance. They can not even provide me proof that they did send it to my insurance because all records were destroyed. When I asked for them to remove it, they told me that they will not, and even if I paid it in full, they will not delete it from my credit. I thought it was a HIPAA violation as well to keep paid medical debt on a credit report, and if they can not provide me with medical records to confirm who the debt is for and what it was for, how can they still report this to my credit? I am thoroughly disgusted with the way that this entire situation has been handled. If the hospital no longer exists and did not send my insurance the information, I do not owe this debt and it needs to be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Cfpb Why aren't you doing more to enforce consumer rights under the FCRA and FDCPA? Over the last year, I've been led to believe that my credit report has been irresponsibly tampered with. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've been disputing these accounts for the past two years, and XXXX, Transunion, and XXXX have not provided me with substantial proof of validation that they claim they've received. I have made several attempts to remind XXXX, Transunion, and XXXX of their obligations under 15 USC 1681. It appears that they are being deliberately and willfully negligent in resolving my issues. 15 USC 1681e ( b ) guarantees that I am due and promised accuracy in my report in accordance with federal law. This is yet another attempt to have these errors on my consumer report corrected According to I5 USC 1681 ( A.5 ), all unverified information must be promptly removed following the reinvestigations. You can see in your system that these accounts have previously been disputed without being thoroughly investigated, so I know they can not be verified or validated. '' I demand that the accounts be deleted.

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 2021-11-04
Company: ACIMA CREDIT, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a problem with acima credit since they are reporting an account to my credit report is fraudulent since someone stole my information and opened that account already with this is the 3rd claim and they asked me for a police report here I send it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Our mortgage account was sold to another mortgage company. While they have transferred our mortgage, we've made a payment to original mortgage company. Our check was cleared, however, mortgage company is claiming they never received our payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted the checkr company which is a background check provider to employers and it also being used by XXXX for detairmaining eligibility and it refreshes every years checks the eligibility based on the updated reports. XXXX been my main and only source of income for the past 3 years and on early XX/XX/2018, my XXXX account got deactivated due to number of violations which apparently was over a certain number that XXXX accepts and the source of information was checkr. I contacted checked to question it and find out the reason and I was told due to the number of violations I have on my driving record I am no longer eligible to drive for XXXX and was told I need to contact XXXX for any information. I obtained a copy of my driver 's record and noticed the number of violations on my driving record that was obtained from DMV website was different from checkr 's report. So I reached out to them and tried to file a dispute for the incorrect informations but they refused. I tried getting the supervisor on the phone and he confirmed that they are under FCRA and I asked him he requires by FCRA if the customer dispute an item on the report they have to investigate and if they can not verify they need to delete the items but he refused too and they didn't even let me file a dispute which is clearly against the FCRA regulations. Since early XXXX I lost my main and only source of income and lost all of my savings and been through a financial hardship to the point that I got a eviction notice and have no more money and no income and they all is because of the incorrect information that was provided by checkr to XXXX and also they refused to remove them or investigate a dispute. I reached out to them again and also provided them with a copy of another report from DMV website and asked them to investigate but again they refused and asked me for a original DMV documents and they do not accept copies of documents I have sent. I replied to them and notified them that they are the one who is require to have a original documents on file for each items they are reporting not me and also they have to investigate the issue that was disputed by me 3 months ago for the first time and recently again for the second time and notify me within 30 days of the resault and if they are verified they have to send a proof of verification which have not happened and they are clearly in violation of multiple FCRA terms. I sent them my final Goodwill and asked them to fix the issue and also settle the damages so I can recover from the huge losses they cause but did not receive any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX we did a loan modification. As part of the modification there was a {$70000.00} deferred amount included in the loan. In XXXX we did another loan modifications. Both loans at that time were with XXXX XXXX XXXXXXXX. On the 2nd modification, the XXXX, XXXX deferred amount was reduced to {$56000.00} and the interest bearing part of the loan was increased and 8 years was added to the length of the mortgage. That modification was finalized in XXXX of XXXX. In XXXX of XXXX, XXXX XXXX XXXXXXXX sold our mortgage to Shellpoint Mortgage servicing. The terms of the mortgage were to stay the same. {$56000.00} deferred with an interest bearing amount of $ {$200000.00} with a total balance of {$260000.00}. Shellpoint has misapplied that mortgage and instead of showing the new balance in the deferred part as {$56000.00} they have decided to add in the {$70000.00} deferred amount from the first modification to the loan. The looked at the Clarity Commitment and completely misinterpreted it, Instead of understanding that the clarity statement was explaining what factors and figures used to arrive at the new figures. They decided that it meant they need to add those figures to the new modification. So, we are now showing our new total balance as over {$330000.00} which is more than we have ever owned on the home. We have had several long conversations with both Shellpoint and XXXX  XXXX XXXX and XXXX  XXXX XXXX has confirmed that Shellpoint is incorrect. But Shellpoint has taken the stance that we have to " prove it '' even though they have the Fannie Mae paperwork right in front of them. We have asked Bank XXXX XXXX to put something in writing for us but it has been weeks and we seem to be getting the run around at every turn. Our frustration is rising as every time we call either bank we are on hold for hours on end and have to start from the beginning every phone call. We are unable to get a resolution as the why {$70000.00} of our money is being held 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 2021-05-26
Company: Coinbase, Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Last week, I transferred XXXX XXXX  from my private account to my Coinbase account. All went well. I then transferred XXXX XXXX ( {$6000.00} ) from same private account to my XXXX account and it never came through. I checked and rechecked the addresses. The receipt shows that it was indeed received and processed by the Coinbase servers. I contacted customer service and received an automated response stating the issue would be resolved in 3-5 business days. 
I have reached out to Coinbase customer service over a dozen times with no success. 
Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Aurora Financial, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my loan and the new loan closed on XX/XX/2021. In my closing documents, it is clearly identified that the lender ( Aurora Financial LLC ) is going to sell my new loan to a servicer ( XXXX XXXX XXXX. In addition, my closing document also provided me with my first mortgage payment coupon and wanted me to send the first payment ( due XX/XX/2021 ) to the lender ( Aurora Financial LLC ).

I reached out to Aurora Financial on XX/XX/XXXX via email to clarify where to make the first payment and was told again that I should make the first payment to Aurora. On XX/XX/XXXX I reached out to Aurora again to see if I can submit my first mortgage payment to Aurora through the online payment system that I used before. I was told XXXX XX/XX/XXXX ) again that I should use the payment coupon for the 1st mortgage payment that came with the closing package therefore, I can not submit the first mortgage payment online. 
On XX/XX/XXXX I received another email from Aurora Financial indicating that I should not submit the first payment to Aurora as I was initially told rather, I should wait to receive new payment and servicing information that I should be receiving via email from Post Closing. Since then, I tried to reach out to Aurora Financial multiple times for information on the first payment and servicer but I have not received any first payment or servicer information from them and the XX/XX/XXXX payment is due 6 days from today. Lastly, I have an upcoming state tax payment on XX/XX/2021 and Aurora Financial already collected this amount as part of my closing.

Overall, I am not pleased with Aurora Financials business and communications and I hope your agency will follow up on this matter as soon as possible to correct the problem. As a consumer, I should not have to babysit a lender in order to ensure that they are fulfilling their legal and fiduciary obligations. I provided them with everything they asked for and, they asked for a lot of personal information as part of my closing, but they are not doing their part as the law requires.

I hope to hear from you soon Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have received multiple calls and voicemails from XXXX XXXX concerning my payments. While I am behind, I am still making consistent payments of at least the minimum required monthly amount and typically more than the minimum to catch up on the loan. I have repeatedly asked the company to not contact me during my working hours which are typically XXXX to nearly XXXX XXXX. I continue to be harassed by calls during these times and have been questioned by my boss as to why I am answering my personal cell phone during work hours. Many of these calls are occurring during meetings and cause a disturbance if I happen to not have my phone on silent. XXXX XXXX records all calls and should have it documented that I have requested this and I have voicemails and documentation of the calls that I have received during business hours. 

They have also not offered any viable solution to help bring my account current or reduce interest rate/minimum monthly payments to help me afford the payments. A very predatory company overall

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out too these companies back in XX/XX/2022 in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit. I would like for under FCRA 611 ( a ) ( 7 ) the companies submit documents of signature or my permission for them too run my credit if companies can not provide documentation I would like them too remove the inquiries off my report please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Well Fargo charge me fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Sent information in the this company several times. I uploaded documents directly to them when my certified mail documents went unanswered. I called and was told to mail in the documents again. I can never get a representative located in America, its always XXXX or somewhere i can't pronounce. Its several inaccurate information on my credit report, which after weeks of research and legal assistance, i now know its fraudulent. I've attached my information to be resubmitted, please remove this information. I will also attempt to upload these documents directly to them again.

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