BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX  XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!

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 2021-11-29
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I enroll in a plan call XXXX to do some Home Improvements and the cost to be added to me Property Taxes, therefore my escrow account was adjusted accordingly, I paid to my XXXX XXXX {$8200.00} additional to balance a Escrow Shortage, and paid on XX/XX/XXXX a new monthly mortgage payment of {$3000.00} twice, before enrolling in a forbearance plan due to a XXXX  Pandemic. On XX/XX/XXXX we enter the forbearance plan, on XX/XX/XXXX I paid off the XXXX  plan in the amount of {$56000.00}. 
I resume to pay regular monthly mortgage in the amount of : {$2500.00} on XX/XX/XXXX, as per Cardinal Mortgage Statement, I received a package from Cardinal Financial Company Loss Mitigation Department indicating that the amount that I owe after XXXX month in forbearance was {$45000.00}, I called Cardinal Financial and explained that the amount stated in the new promissory note was not right, for several reasons, 1 ) I paid off the amount of the PACE program that increased my escrow account, 2 ) I requested a statement breakdown of the {$45000.00} to understand how {$3000.00} x 2 ( {$6100.00} ) plus {$2500.00} x 10 ( {$25000.00} ) add up to {$45000.00}. 
Cardinal Financial told me not to sign that note and wait for the adjusted Promissory Note, it took four ( XXXX  ) month to received the second note, and the amount was wrong again {$40000.00}. 
Every month I call to request the breackdown and the adjusted promissory Note and every month I got the same answer that a manager is not available and will return my call within XXXX hours, this is been going on since XXXX XXXX. I paid my mortgage as per my Mortgage Statement every month by Phone and never been late since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally has denied me access to business auto statements for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. They are not available on my online account. My online account indicates I am supposed to have access to up to 12 months but as you can see in the online account screen shot attached, they only allow access to XXXX - XX/XX/XXXX. I called their customer service number XXXX and spoke with XXXX after XXXX was not able to assist. XXXX was surprised I did not have access but was not able to send me the statements. He said he could give the interest to me verbally but that is unacceptable for tax and legal purposes. I want the physical statements for my business. My account was in a partial forbearance even though interest was accruing. They have denied me access to physical documents by phone and online of finance charges they charged me. XXXX told me I could figure up the interest myself then proceeds to tell me the daily interest! Totally unacceptable. I spent 30 minutes on the phone trying to resolve this. I had previously submitted an online request, also attached, because I could not reach them on the phone. I never received a reply to the request. I have no idea what they have charged me. This is totally unacceptable and is a violation of my legal right as a consumer. They also did not send me a XXXX XXXX interest statement that was supposed to be mailed to me on or before XX/XX/XXXX for XXXX. I also do not have access to the XXXX in my online account.

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 2023-04-26
Company: EQUIFAX, 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:
The account with XXXX XXXX XXXX opened XX/XX/XXXX reflects as a closed account how can the account be closed and written off and past due as of XX/XX/XXXX this information is inaccurate and incomplete and is affecting my rights as FCRA LAWS and I want this account removed from my credit report the law states all information on my report should so accurate and complete this account was closed XX/XX/XXXX a closed account can not reflect a past due balance this makes this account incomplete and inaccurate please remove this from my credit per my FCRA rights this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off not attempt to collect a debt this information is incomplete and inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
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: Public record information inaccurate

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced attached. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the XXXX XXXX Office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: MI
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 XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX has violated my rights .

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 that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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: Information belongs to someone else

Complaint:
This is my several attempts to let you know that I was a victim of identity theft and that I want to challenge some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX Balance : {$6500.00}, XXXX  XXXX Balance : {$2000.00}, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I sent a Certified letter to all three Credit Bureaus and the XXXX   XXXX and never received any documentation with Validation that this fraudulent credit was mine.

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 2019-03-13
Company: CNG FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Payday loan from XX/XX/2016 ... My mother and fiance received repeated calls the past few days with a company threatened legal actions against me So I called the company and talked to a lady she acted like she didn't want to give the company name and I said why when I received this call a year ago and they said they were filing a civil case I never was sued and she said because I said I wasn't gon na pay so if I said I wasn't gon na pay wouldn't that be a reason to file the civil case? So I told them they better not and harass my mom anymore ever

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: JPMORGAN CHASE & CO.
State: OR
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: Card was charged for something you did not purchase with the card

Complaint:
My XX/XX/XXXX Chase XXXX Marriott credit card statement showed a charge as follows : XX/XX/XXXX XXXX  XXXX {$410.00} I have never dealt with this company and did not make the purchase. I called the phone number on this line item for the company and could not reach a live person and left a voice mail requesting a resolution to a billing error- they did not respond. I called Chase card services to report the error and they credited the amount and said they would report it to their fraud department. New card was issued with different account number. 

My XX/XX/XXXX statement under the new account number showed the charge reinstated with the same detail as above. I called Chase card services to complain and the person said that they could not remove the charge again but would submit a new complaint. 

On XX/XX/XXXX, I received a letter from Chase Card Services with the statement " our latest review confirms the previous finding that the transaction is valid '' - no other details were provided that explained how this determination was reached. 
I called Chase card services to complain again and a new complain file was issued. 

On XX/XX/XXXX, I received a letter from Chase Card Services with the exact same statement " our latest review confirms the previous finding that the transaction is valid '' - no other details were provided that explain how this determination was reached. They added the statement " we closed the fraud claim and won't respond to requests for additional reviews unless you provide new information '' No comment was provided to suggest what 'new information ' was needed from me. 

Throughout this process- when i have called Chase Card Services, the customer service person is unable to connect me to anyone in the fraud review process to discuss the missing details on this product order or what new information can be provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-13
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I become a student in XXXX XXXX  XXXX with University XXXX XXXX obtaining an Associates Degree. Each semester I believe they were overcharging the amount the school needed for my Pell Grants and Federal Subsidized and Unsubsidized loans. This was my first time ever going to a college and I never understood why they needed so much money when my two courses where under XXXX XXXX dollars and the school was asking for over XXXX XXXX dollars. I attended at University XXXXXXXX XXXX from XXXX of XXXX until XXXX and withdrew from the school because I felt I had more options at a different college in terms of the degree I was seeking during this time. I completed all of my courses from beginning to the last course before I withdrew from the school, then the University XXXX XXXX told me I broke their contract and would need to pay an additional XXXX XXXX dollars for a course I never even took. I satisfied paying this debt to the University XXXX XXXX in XXXX. Since learning about the University XXXX XXXX and how they have handled funding I would like to put forth a complaint regarding this matter. 

According to the DOE an article released states, " In the lawsuit, we found out that the University XXXX XXXX has been accused of submitting false information about its student aid statistics to the Federal Government, which allowed the school to qualify for additional federal funding that it never should have been able to receive ''. On Thursday, XX/XX/XXXX the Department of Education announced they will begin issuing Borrowers Defense to Repayment Discharges for up to {>= $1,000,000} in contested student loans. This is in direct response to a Federal Judges ruling that XXXX XXXX needed to terminate all delays in the BDAR approvals process.Odds are very good that University XXXX XXXX loans will be included in this wave of approvals, and DOE promised to start emailing borrowers on Friday XX/XX/XXXX to alert them that their debts from the cancelled loans would be eliminated within 30 to 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my several attempts to let you know that I was a victim of identity theft and that I want to challenge some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
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

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 2022-07-17
Company: Nelnet, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Demand for payment received in attached demand dated XX/XX/2022, from Firstmarkservices. It may be a mistake or a scam. I have responded by attached letter dated XX/XX/2022, demanding evicence of indebtedness. The addressee is a name similar to, but different than, the owner/resident of the address in the Firstmark Services demand letter. Because it may be a " phishing '' misuse of Firstmark services identity, I have decided to open a complaint in order to facilitate avoiding damage to other XXXX  citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone from XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX forged my signature as a Principal Obligor to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX on XXXX XX/XX/XXXX. XXXX XXXX XXXX filed a reckless lawsuit against me on XXXX XX/XX/XXXX for {$46000.00} ( see attached ). I formally communicated with XXXX XXXX XXXX on XXXX XX/XX/XXXX ( see attached ) that I have never been to the XXXX XXXX XXXX and that it was not my signature as the Principal Obligor. They proceeded with the lawsuit despite my denial and no real proof that it was my signature. Apparently the XXXX XXXX, XXXX  Court ruled in favor of XXXX XXXX XXXX. I never received any notification of a judgement. My wife received a letter this week from a law firm retained by XXXX XXXX XXXX to collect {$74000.00}. I am currently XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, and my wife is going to send me a scanned copy of the recent letter tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe 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
Consumer complaint received 2019-03-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I requested that verification be provided to me for credit inquiries that posted to my credit report. 


XXXX XXXX XXXXXX/XX/2018 XXXX XXXXXX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXXXX/XX/2018

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 2021-07-02
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , Equifax , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00}

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