BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-19
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XXXX inserted this entry on my report without communicating with me.  I have not received a dunning letter or anything from them.  By law, prior to inserting this entry on my report, they should have communicated with me and allowed me 30 days to dispute the validity of what they are alleging.  I have retrieved my report numerous times over the last few months and they are still continuing to violate my consumer rights.  My communication with them in XX/XX/2019,  (see attached), of which I sent certified for the certified receipt proves they received my dispute letter; however, has not responded. To date, they have had almost 60 days to respond.  In my letter to them, I requested they provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, provide the alleged account number, date this alleged debt became payable, original delinquency date, verification that the alleged debt was assigned or sold to collector as well as a complete accounting of alleged debt.  As previously mentioned, I have not received any response from this company.  To that end, this entry should be deleted from my report immediately.  XXXX XXXX XXXX XXXX are continually and blatantly reporting this entry and violating my consumer rights.

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 2019-08-19
Company: EQUIFAX, INC.
State: IL
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:
Equifax and XXXX reported to my credit report without the following: hippa release form with my signature, who verified it, how they verified it, how they store their data, did they get the data from the original collector, proof of statue of limitations, the collectors right to collect in my state, license registered agent or agent of service on it from collection agencies(XXXX XXXX XXXX,  XXXX)   have sent several rounds of letters disputes to Equifax and XXXX they have repeatedly failed to delete these unverified accounts. These unverified accounts they have on file has hurt my ability to obtain credit. Under the FCRA, these unverified accounts must be removed immediately.Attached are responses from the collection agencies showing clearly a HIPPA Violation. They should not possess my medical info unless 100% verified of everything i've repeatedly asked for.XXXX XXXX XXXX  sent me a letter, and in the envelope there was a form with my signature on it with no letter head showing it came from the original furnisher. they are clearly violating my rights.Also attached documents from XXXX showing these same accounts deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The successive, large, and multiple insufficient payments on my card in 2017 were not authorized, not mine, and were not drawn on my bank account. The payments were immediately available for purchase. The payments then bounced, and forced my credit limit to be exceeded. I did not have control of the fraudulent payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have an excellent banking record. Until the corona, I had an A+ credit rating. 
I opened a checking account at Wells Fargo. 
First issue was being unable to get my direct deposit set up. I called and left a message that I needed help. My call was never returned. 
Then, I made out 2 checks for bills, left them for the mail carrier and drove to the bank to deposit my stimulus check. No dice. The branch closes early, even on Fridays. Tried to do a deposit from my phone. No dice. {$1000.00} limit on those. 
The first check came in and was returned. I paid my {$35.00} each to Wells Fargo and the check recipient. I messed up. It was fair. When the second check came in, I got an email from WF saying I had a - {$90.00} and I tried to go down and pay it, they told me there was no overdraft, but they refused to close my account. Now they are tallying up daily charges of {$35.00} and I tried to go there to fix it, only to find out, they also open late. 
I'm at {$70.00} already. Both parties these checks were written to have been paid in full. Nobody is resubmitting either check. 
I simply don't believe that the characters who came up with the concept of constantly accruing interest, can't seem to figure out, in real time, whether folks owe them money. 
I feel I, like many others, are being exploited. Enough is enough.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-08
Company: Bepensa Capital, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
We started a deferment process on a car loan on XX/XX/XXXX. We have never been late on this loan or asked for this. The form was sent to us on XX/XX/XXXX by XXXXXXXXXXXX who is a manager. The form was completed immediately through their XXXX signature process and sent back on XX/XX/XXXX. We called on XX/XX/XXXX to ensure that all was received. The cs rep said yes. We continued to receive calls about our payment even though we were told by the above manager and CS representatives that our payment was deferred for XX/XX/XXXX and not to worry. The calls continue to come. We called on XX/XX/XXXX again being told deferrment was in process but to call at end of month reassured once again not to worry. We were told that we did not have a payment due until XX/XX/XXXX. We called on XX/XX/XXXX asking for payment alarm to be turned off. It was turned off. Today XX/XX/XXXX we received a nasty call that we needed to contact AFS Acceptance about our account ASAP. We called and were told we owe the XX/XX/XXXX payment and that now it was going on our credit as late. We have had this car since XX/XX/XXXX and have paid its enormous interest payment every month on time. It is a 60 month loan at high interest due to be paid off next year in XX/XX/XXXX. These guys are very unprofessional and horrible with how they treat customers. The car dealer who sold us the car went out of business two months after putting us in this awful loan. We have followed everything they asked and they have continually lied to us. Our credit should not have anything negative at all since they messed a simple task up. They need to do what was promised and defer the XX/XX/XXXX payment as promised by their manager and team. Any additional questions please contact me at XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX  has a XXXX XXXX account that is closes on my credit. 
XXXX XXXX XXXX has went to collection for XXXXXXXX XXXX also for XXXXXXXX XXXX  XXXX XXXX XXXX has went to collections for XXXXXXXX XXXX XXXXXXXX. XXXX, XXXX has went to collections for XXXX XXXX XXXXXXXX XXXX has been placed on collections for XXXXXXXX XXXX XXXXXXXX XXXX has been placed collections XXXXXXXX XXXX  XXXX is placed in collection XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This CFPB complaint is a formal notice that the Credit Bureaus have failed to respond in a timely manner to my dispute letter. I previously sent a letter addressed to the Credit Bureaus requesting that they correct the information being reported to my Credit File. And on XX/XX/2022 I sent another letter wondering why did the Credit Bureaus haven't yet responded to the prior letter I sent. The Credit Bureaus informed me to contact the creditors and I have done so. According to FDCPA 809b the Credit Bureaus are required to delete or update these accounts until they validate. I have requested validation and they have not produced it. Please update or delete them now : 1. XXXX XXXX XXXX Balance Owed : {$570.00} 2. XXXX/DOFED XXXX Balance Owed : {$1300.00} 3. XXXX/DOFED XXXX Balance Owed : {$4000.00} 4. XXXX/DOFED XXXX Balance Owed : {$8600.00} 5. XXXX XXXX XXXX Balance Owed : {$0.00} 6. XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} 7. XXXX XXXX Balance Owed : {$0.00} 8. XXXX XXXX XXXX Balance Owed : {$0.00} 9. XXXX XXXXXXXX XXXX Balance Owed : {$0.00}

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
Consumer complaint received 2020-09-06
Company: Experian Information Solutions Inc.
State: HI
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:
Debtors creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and Say its mines. According to the FCRA Experian has violated my rights as Consumer and Im requesting legal action to remove this account immediately.

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 2018-06-04
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr. Cooper is refusing to share terms of a modification agreement with me. I want to know how much equity I have and how much equity I'll get to keep. I'm being told that that information will be made available to me after they accept payments during my trial period, which doesn't end until XX/XX/XXXX. My understanding is that I get all information before I have to accept anything. That's true of ANY financial transaction. BOTH parties get to agree to the terms, and Mr. Cooper is withholding the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/2019 collection agency XXXX XXXX reported an open balance of {$1000.00}, I contacted the original creditor XXXX, XXXX and Experian to advise them this was included in Chapter XXXX discharged bankruptcy. They have refused to update the balance, report the account as Bankruptcy and will absolutely not respond to my right under the Federal Bankruptcy 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 non-monetary relief
Consumer complaint received 2017-08-09
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XX/XX/XXXX-XX/XX/XXXX, I noticed that there was something on my credit report that did not belong to me. So I sent them a letter disputing the information, therefore they deleted it off all of my credit reports. My wife received a call on today XX/XX/XXXX from a restricted number stating that they have some legal documents for me to sign. When I told them that it did not belong to me they gave me the telephone number ( XXXX ), and then they told me to hire a lawyer because they are suing for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: CO
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:
In XX/XX/XXXX my husband and I got a divorce. Per speaking to a XXXX XXXX representative prior to our divorce we were told we needed to provide a divorce decree and quit claim deed removing me from the home and then I would be let off the mortgage. After we completed all of this and then submitted this paperwork I was informed that their rules had changed and I would not be allowed off the mortgage until my ex husband did a few other things. I am unable to get him to do any of those things as we were divorced at that point. 

I have contacted XXXX XXXX and disputed this being reported on my credit for years however it still remains. In XXXX my ex husband was permitted to extend the mortgage for an additional 10 years to a 40 year mortgage and add some personal debt to it. I did not sign this paperwork and his sister is the notary who notarized it. I disputed this again given that I do not know how this could have even been legal however have been turned down again. 

My ex husband does not pay the mortgage on time, does not live in the home and this is literally ruining my life. I can never get approved for anything and if I do it is at the cost of a ridiculous rate. I want this mortgage which was unethically and possibly even illegally extended and added to without my consent removed from my credit reporting.

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 2020-11-26
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
1. On approximately XX/XX/2020, Complainant owed Citi Card {$4400.00}. Exhibit " A ''. 2. On approximately XX/XX/2020, XXXX paid Citi XXXX $ XXXX " B ''. 3. Leaving a current balance of {$2400.00}. Exhibits " A '' - '' B ''. 4. Total end activity between XX/XX/2020 - XX/XX/2020, equal {$470.00}. Exhibit " C ''. 5. Ending with a last statement balance of {$2800.00}. Exhibits " A '' - '' B ''. 6. Citi card felt the need to state falsely that a last statement balance : {$3300.00}. Exhibit " C ''. 7. Citi card added the total XX/XX/2020 - XX/XX/2020, equal {$470.00}. Exhibit " C ''. 8. Citi card falsely cooked the books, to reflect that the Complainant now owed {$3700.00}. Ex. " C ''. 9. When in reality the Complainant only owe {$2800.00}. Exhibits " A '' - '' B ''. 
Citi has fail at all times herein, to directly address the issues, but talks around said issue.

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 2020-09-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received an SBA loan for my business via chase bank for {$140000.00} on the XXXX of XXXX, I went there withdrew {$5000.00} to make a business purchase which I was allowed to. On Monday I went to the bank to make other payments on my business but was told to come back based on appointment the next day. 

The next day I went to the bank and was told my account and funds had been frozen along with a letter sent by mail that they were taking actions to close my bank account based on suspicious activity on the account. I went to the bank to find out more about this claims and they insisted that if I wanted to retain the account I needed to bring prove of the business along with the loan. I sent in all documents of Incorporation, EIN documents, my loan documents and all documents pertaining to my business. 

Was told within 2 days I would get a response from them. Its been more than a month and some days and all I get from them is a run around, they tell me I need to register the business in Florida but its already a registered business in Washington where the business is actually located and Florida is just my state of residence, yet they insist that I must register it in Florida which I dont find advisable since I do not operate my business in Florida, Secondly I have taken all prove of business to them already which should be sufficient enough but rather I am getting a run around each time I visit the bank or call to check on my account status. 

I have been given the run around over and over, I called the number I was given by the bank manager and after calling and being on hold for over hours they said they were going to hold on to the money in my account without giving any reason to it. 

Please I would like you to assist in getting this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
In XX/XX/XXXX my husband and I got a divorce. Per speaking to a XXXX XXXX representative prior to our divorce we were told we needed to provide a divorce decree and quit claim deed removing me from the home and then I would be let off the mortgage. After we completed all of this and then submitted this paperwork I was informed that their rules had changed and I would not be allowed off the mortgage until my ex husband did a few other things. I am unable to get him to do any of those things as we were divorced at that point. 

I have contacted XXXX XXXX and disputed this being reported on my credit for years however it still remains. In XXXX my ex husband was permitted to extend the mortgage for an additional 10 years to a 40 year mortgage and add some personal debt to it. I did not sign this paperwork and his sister is the notary who notarized it. I disputed this again given that I do not know how this could have even been legal however have been turned down again. 

My ex husband does not pay the mortgage on time, does not live in the home and this is literally ruining my life. I can never get approved for anything and if I do it is at the cost of a ridiculous rate. I want this mortgage which was unethically and possibly even illegally extended and added to without my consent removed from my credit reporting.

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 2020-09-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
ATTENTION CONSUMER FINANCIAL PROTECTION BUREAU Experian continues to CLOSE MY DISPUTES AS EITHER DUPLICATES OR WIH THE FOLLOWING RESPONSE TO MY COMPLAINT " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free. If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number that displays on your Experian personal credit report, or visit our secure web site at www. experian.com/dispute. '' I have been sending letter and uploading documents since XX/XX/2020 up until today XX/XX/2020. I have notified Experian of a FRAUDULENT MORTGAGE COLLECTION IN MY NAME. 
1 ) I HAVE PROVIDED THE FTC AFFIDAVIT.

2 ) I HAVE PROVIDED TWO SEPARATE POLICE REPORTS.

3 ) I HAVE SUBMITTED 5 REQUESTS IN WRITING TO BLOCK XXXX/XXXX XXXX   XXXX FROM MY CREDIT FILE PER EXPERIAN 'S DETAIL GUIDELINES DUE TO FRAUD. 
4 ) I HAVE SUBMITTED 14 LETTERS OF DISPUTE TO EXPERIAN FOR XXXX XXXX XXXX. 
5 ) I HAVE SUBMITED 14 LETTERS REQUESTING THAT MY PERSONAL STATEMENT " I AM THE VICTIM OF FRAUD. XXXX/XXXX  XXXX   XXXX  IS NOT MY ACCOUNT AND I HAVE FILED A POLICE REPORT OF FRAUD FOR 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 explanation