BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX I filed this complaint yesterday and now I have found new information that this is still not corrected. This is what I found today - see attached file. I have been making payments in the forbearance agreement - XXXX XXXX was supposed to correct that but I wanted to send these two files - one I attached yesterday to the complaint number above and a new one I found today which still shows me being 180+ days late and that XXXX payment is late. I went online and paid the {$130.00} payment for the forbearance plan and in the account it stated I owed XXXX beginning XX/XX/XXXX as part of a Modification Plan BUT that clearly stated it begins on XX/XX/XXXX. XX/XX/XXXX paid the {$130.00} on forbearance plan payment of {$130.00}. This new report I found says XXXX payment is late ... ... ... how can this all be fixed?????

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 2018-07-20
Company: TIDEWATER FINANCE COMPANY, INC.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
on XX/XX/2018 at XXXX a lady by the name XXXX XXXX called durning my working hours advised her there should be a note not to call during this time its an inconvintent time to call. she ignored what I said and continue to proceed with verification and when I stated I am at work she started to get rude and said well what's your email address again I said theres something on file not to call while im at work then asked what's my work number asked to talk to a manager and was placed on hold for a while. XXXX XXXX was very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received XXXX ( XXXX ) telephone calls within the space of a week or so! They constitute harassment. These despite the fact I have been making payments on time!

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 2023-08-15
Company: EQUIFAX, 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:
THEY CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I was sued by Ally Bank in XXXX, Indiana. They forum shopped knowing that I was not a resident of Indiana. I have lived in XXXX  and XXXX  for almost a decade. The auto loan they are attempting to garnishing wages for originated in XXXX XXXX, XXXX. I am a resident of XXXX XXXX, XXXX  and work for XXXX in XXXX XXXX, XXXX. 

The address they used in XXXX  is my parents address. My parents told the officer serving the papers that I do not live in XXXX. 

I was never served court paperwork or contacted at the XXXX or XXXX  addresses that Ally Bank has on file. This is obviously because the law would be less favorable to them in these states. 

To make matters worse, Ally Bank was already notified by the three credit bureaus and the FTC that this loan was the result of identity theft. 

Im now being order to appear in court in Indiana for a wage garnishment hearing and can not afford to travel there. I know they have violated the FDCPA and many other laws but I cant afford a lawyer and am shocked that it is somehow my responsibility to make sure this unscrupulous bank follows the law.

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 2021-10-27
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: Their investigation did not fix an error on your report

Complaint:
I have a complaint requesting my XXXX XXXX XXXX reporting on XXXX and XXXX XXXX XXXX reporting to all 3 XXXX, XXXX and EQ be removed because it is reporting inaccurately and unverifiable. 
I have submitted request per these dates and received a VERIFIED as ACCURATE each time per XXXX XXXX. 

XX/XX/XXXX disputed inaccurate reporting of XXXX ( verified as accurate ) XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX deleted by Equifax XXXX and placed back onto credit report same day ( now appears twice ) same identical XXXX XXXX XXXX XXXX sent me my 202 page report showing in Section 9 under Bankrupcty that nothing is there. I have attached this document as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint and dispute regarding the inaccurate information reported on my credit report by TransUnion. On XX/XX/XXXX, I contacted TransUnion to address the following issue, but I have not received a response to date. I kindly request your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). The details of the inaccuracy and the required correction are as follows : Account : XXXX   ( Date Opened : XX/XX/XXXX, Balance : {$90.00} ) The information presented for the account XXXX   is inaccurate. I am aware that the original creditor for this account is a distinct company, not the one indicated by TransUnion. Furthermore, the reported balance of {$90.00} is higher than the amount I believe I owe. I dispute the accuracy of this account and request verification of the Date Opened and Date of First Delinquency associated with it.

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 2021-03-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, and I am a victim of identity theft.

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 2021-09-02
Company: Early Warning Services, LLC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX  XXXX XXXX closed my accounts with out giving me any reason when I called to asked why I was told they did not have to give me a reason. Seeking for answers I received my report from Early Warning and its suspected that there was fraud but instead of XXXX  XXXX XXXX just telling me to try and resolve the matter they closed my account.I had direct deposit going into the account at the time. I have reported fraudulent activity on the account many times. Ive been a victim of identity theft on multiple accounts that were opened with out my knowledge with multiple institutions and have been disputing to clear my name and also my credit. I have been denied by other banks and credit because of what I have found on My Early Warning Consumer Report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: NATIONSTAR MORTGAGE LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was terminated from my XXXX job & due to the loss/decrease of income, I applied for a modification. Prior to, I had NEVER been late or missed a payment on my mortgage. Nationstar mortgage declined the modification 3 times & sent me a letter that they were foreclosing on my home. The letter stated the sale date was XXXX/XXXX/XXXX. I went to XXXX for assistance, and was told they did not understand why the modification was denied. After XXXX re-applied for the modification for me and it was denied a 4th time, I had no other choice but to file Chapter XXXX on XXXX XXXX, XXXX ( due to XXXX holidays ). However, on XXXX XXXX, XXXX I received a call from Nationstar. The customer service rep stated XXXX XXXX XXXX ( the person that was handling my modification ) no longer worked in that department, but my modification had finally been approved. I explained that I had Just left the attorney 's office to file bankruptcy, to stop the foreclosure and I would need to contact my attorney to see what to do. XXXX XXXX ( my attorney ) advised me to get something in writing, or by email, to verify the modification had been approved, before he cancelled the bankruptcy proceedings. Nationstar refused to give me anything. In XXXX XXXX, they sent me paperwork to complete a 3 month trial period, before the modification would be finalized & approved. I paid all 3 months, completed the " finalized '' modification paperwork & have paid ON TIME every month since XXXX XXXX. My attorney has informed me that once I receive finalized paperwork for the modification, I can convert to Chapter XXXX, or have my bankruptcy dismissed ( since the foreclosure was the reason I filed ). To date, I STILL HAVE NOT received a finalized modification! Every month I call to pay my mortgage and I inquire on the paperwork. Each time I am told it has to go for " booking '' and once this is done, they will send it to me. I do not understand why it has taken over a year and 6 months, and I STILL have not received these papers?!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
Hello there, My name is XXXX XXXX and I recently applied for a home loan. When the lender tried to pull my credit report, they noticed that Equifax report says that they can not fin my social security number on their records. I was suggested to contact Equifax which is where my nightmare starts.

I first contacted Equifax onXX/XX/XXXX to see if they have my social security on file and they confirmed they dont have the social security number that I am using for my work and credit card for the past 3 years. They suggested me sending a copy of drivers license and a copy of SSN card through FAX. I sent the documents on 3 separate occasions - on XX/XX/XXXXXX/XX/XXXXand XX/XX/XXXX. They did confirm receiving of document however they are not able to update my SSN on their files and suggested various solutions when speaking with different call center folks : 1 : Solution 1 : My SSN card says Valid for work only, try and get a SSN card that does not say this - I am on a XXXX XXXX and as per the social security administration which is also outlined here https : //www.ssa.gov/ssnumber/cards.htm the only type of SSN i can get is the one which says valid for work only. So this rules out the option of me being able to get a new card 2 : Solution 2 : Contact my credit card companies and have them send over the right information to Equifax. I contacted my credit card lenders - XXXX XXXX  and XXXX and both of them confirmed my personal details and SSN number and they are reporting these details to all credit reporting agencies.

So basically after 10-15 calls to customer service reps on Equifax and faxing of documents and confirming from my banks that they have my SSN on file, I have reached a dead end where I not sure what to do to just get my SSN on equifax records. Isint this the most basic thing that is needed for employment or for getting credit card? How can it be so difficult to just update the social security.

I am running against time and the possiblity of not getting a loan at all because of this issue and I still dont have any clue on why equifax doesnt have my SSN on records. Was it something related to their hack? who knows. WOuld appreciate help on this matter.

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: CT
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:
Member ID XXXX Experian this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15usc 1681 Section 602 8 state I have the right to privacy 15 usc 1681 section 604 a Section 2. Reporting agency can not furnish my account with out my written instructions.

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 2021-04-30
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have been trying to access the funds in my Citibank account to make a wire transfer since XX/XX/2021. I have made 10+ phone calls with the bank and troubleshooted the issue multiple times. There are no blocks on my account, and my balance is over {$200000.00} but they have given me several excuses for why they can't process the transfer, including : a ) it's a technical glitch on their end which takes 3 days to resolve ( it was never resolved ) b ) they need to send me a new bank card ( which they did, and it failed to resolve the issue ) c ) I need to file a grievance with them ( which I have, and the issue is still unresolved ) At present, I still have no access to my funds, and I have spent close to 20 hours on the phone with them. In the last week, every single time I have called, they have pretended to transfer me to somebody and dropped the call. This has happened for the last 10 times in a row. The issue is still unresolved. I'm beginning to think I am being defrauded.

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 2018-03-13
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
On XX/XX/XXXX I purchased a face cream at a convention for {$260.00} where XXXX XXXX had a booth. For trying a bit of their product or watching it tried you were issued a free facial at their spa. OnXX/XX/XXXX purchased another product for {$260.00}. That night I tried to use and face and neck broke out in welts, huge red bumps. I photographed, sent to vendor and said I was returning and wanted refund. I mailed via US Post office with tracing number within their specified timelines for refund. Received confirmation of delivery. Vendor contacted for refund. Said package not received. I contacted American Express to dispute charge and sent confirmation that package was delivered. I have sent confirmation 3 times to American Express. Three times the charge was written off and 3 times reinstated. The vendor evidently has kept the package and American Express says if the vendor hasn't received the package they do not have to issue a refund. I am enraged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XX/XX/2021 -XXXX  XX/XX/2021 -XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 NEGATIVE ACCOUNTS : -XXXX  XXXX XXXX XXXX  XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Eagle Accounts Group, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently received a copy of my credit report and found that Eagle Accounts Group was still reporting a debt on my XXXX  report not only are they still reporting the debt but they have this account on my credit report 2X 's. This debt was paid in full and they advised me at time of my payment that they would remove it off my report due to the fact that I was not probably notified in writing of the amount owed they did not have my address.They have removed it off my XXXX in XXXX but have not removed it off my XXXX.I have since learned that Eagle Accounts Group is not licensed in the state of Ohio and therefore legally should not have been able to collect this debt. I am asking to have these 2 accounts removed off my XXXX credit report within the next 15 business days, as its adversely causing harm to my credit. Thank you in adavance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: EQUIFAX, INC.
State: NC
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:
I am attaching a copy of the investigation request we sent to the credit bureaus on XX/XX/XXXX. They are supposed to respond within 30 days, but its been 60 days, and we don't have a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Ocwen loan servicing has credited and debited amounts of 1,500.00 plus more than 20 times in a month. I have called their office several times asking for an explanation and they just stated that someone made alot of mistakes. I need a specific explanation of each credit and debit on my account for the months of XXXX and XXXX 2017. I received a call from my representative assisting with a modification from ocwen and he left me a message to call him back. I was advised that my modification was denied due to the paperwork being incorrect. I need a clarification of why and what was wrong with the agreement. I also need to know why HUD was advised that my modification was approved and finalized when on my account it still shows as me being behind and not being modified. I contacted the office of the ombudsman several times and was told they are working on it and it has been over 30 days that they received the modified papers back with my signature. I need the Administrator of the office of the ombudsman to contact me in regards to this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-10-27
Company: AES/PHEAA
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I completed the application for an income driven repay plan and submitted it. The info from the federal govt including tax info from the IRS went to AES and XXXX. AES is sending me letters stating they can not process the IDR because the application is not complete. A few months ago, they wanted paystubs I sent them that and they sent me the same letter. Now, they have another application and tax info from the federal govt and they are still sending me the same letter. XXXX processed the same IDR application that AES is claiming they can not process with all the information provided to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
In order to purchase a lease-end car, we got a cashier check issued with our bank, Chase in amount of {$28000.00} paying XXXX XXXX in on XX/XX/2020 ; the check got stolen in XXXX and was cashed through a ATM machine with XXXX XXXX XXXX XXXX XXXX, MN on XX/XX/2020 ; the check was altered from XXXX XXXX XXXX to XXXX XXXX ; we have been trying to work with Chase ; after numerous calling ( some got routed to XXXX XXXX XXXX ), the last thing we heard from Chase was a letter in XX/XX/2020 saying the other bank was responsible.

Company response to consumer: Closed with explanation