BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: MA
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: AMERICAN HONDA FINANCE CORP
State: OR
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:
To Whom It May Concern I bought XXXX XXXX XXXX XXXX, and I financed with Honda Financial Services ( XXXX ) XXXX XXXX or XXXX XXXX XXXX XXXX. XXXX, TX XXXX Account number # XXXX The payment due date will be on XXXX  of each months. I am always making the payment on the XXXX or XXXX of each months. 

However, Honda Financial Services had been sending the wrong statements say that I didn't make the payment. 

I have been calling HFS since XXXX, and I have been asked for correct statement. All HFS are not provided me the right statement. All HFS do not care for me. 

May you please help me, and I have been stressful since than. 

Respectfully, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Mr. Cooper Group Inc.
State: CT
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:
Reporting crdito on my credit report that dont belong to me : XXXX information is on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: JPMORGAN CHASE & CO.
State: CO
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:
On XX/XX/XXXX, My JP Morgan Chase credit card was charged {$2000.00} without my authorization from a handyman I used in XXXX. Attached you will find that all invoices are paid and I have never used his service again nor I receive any invoices from him again. I reported this fraud charge to JP Morgan Chase and cancel this credit card on XX/XX/XXXX. On XX/XX/XXXX, I receive the FIRST phone call regarding this fraud reporting and I was told they do not accept it to be fraud charge and it is my responsibility to pay back {$2000.00} even though I told Chase, this company no longer exists, its state registrations are all expired, it has closed its business and skip town. Chase has never requested any documentation from me as to why this is a fraud charge. Yet they made a determination per a phone call with me. I believe Chase has paid this merchant despite my fraud reporting and now they are trying to hold me liable for this fraudulent payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent multiple certified letters in the last 6 months, disputed with reporting agencies, and verbally asked for report to be deleted because of failure to provide documentation within 30 days of receipt of the letter. Started getting emails for the past month, which I have filled out dispute forms and tried to call company. Nothing has been successful in my attempts to delete the inaccurate report and stop the communication

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/19 I called navient to see about getting my payments increased so I could pay my student loans faster as I saw that in the 3 years I have been paying them they have not got down in terms of amount owed. The person I spoke with said that the only way to increase my payment was through additional paperwork as I am on an " income driven repayment plan ''. I then told the customer service rep that I would like to pay around XXXX $ A month and she said the highest I could pay a month is XXXX . She then told me I could place my account in forbearance. I had sent in an application for borrowers defense and they immediately put my account in forbearance and I had called and told them no, I want to continue to pay the loan until my application was processed. I had to argue with them to continue to repay my loans instead of being put into forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Roycroft Management
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have a payday loan that I am paying through the Collection Agency. This other bill Collector comes out of nowhere calling my job, family members and threatening to arrest me if I do n't pay {$800.00} that I am already paying. They said they are Central Mediation Agency. Extremely rude too. After talking to 3 crazy people I finally got one sane person who promised to stop. The following day they started calling again from different numbers. Please help me stop this madness!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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 is missing that should be on the report

Complaint:
Platium Credit Card is missing or not being reported on my Credit Report, from XXXX XXXX XXXX XXXX Signature Loan is missing or not being reported on my Credit Report, from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My new home mortgage was sold to a different servicer and the new servicer changed the terms and/or conditions of my loan. This is illegal. The initial loan servicer, whom I initiated the loan with is XXXX XXXX XXXX. XXXX  XXXX XXXX and I agreed the amount going towards interest only payments each month would be {$850.00}. When the loan was purchased to be serviced by Wells Fargo, Wells Fargo changed the amount going towards interest only payments each month to be {$1000.00}. I did not agree to this change and this is illegal to do.

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 2021-03-03
Company: Coastal Credit, LLC
State: PA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-21
Company: CORELOGIC INC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XXXX, XXXX and XXXX to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,

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 2021-12-13
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi on XX/XX/21 Citi bank notified me that my checking account will be closed and they would be mailing my money ( {$15000.00} ) to me and it is now middle of XXXX and they are still holding my money hostage i want money back to me asap ( fast ) and i also want interest paid for them holding my money and doing whatever they are doing with it this is ridiculous if any of these people were in my shoes they would be thinking the same thing plz help with thanks. 

I've never had deal with something like this from a bank. 

This happened all because I funded the account from my credit union and they don't like credit union obviously lol.

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 2022-10-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Experian has reinstated XXXXXXXX XXXX XXXX account # XXXX without following the law that protects me from abusive practices such as this. I was never given the proper 5-day notice that they have put this erroneous account back on my consumer report and why?

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 2023-05-31
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare failed to pay our XXXX Property Taxes, which caused late payment penalties. 
There were many attempts to have LoanCare pay our property taxes including the late payment penalties fees ( as we had an Escrow Account ) between XXXX and XX/XX/XXXX, including notices of Servicing Errors and a complaint to the CFPB submitted on XX/XX/XXXX ( XXXX-XXXX ). 
On XX/XX/XXXX, since no payment has been made, we ended up paying the XXXX property taxes, including late payment penalties fees ( which built up to the amount of {$720.00} ) from personnal bank account. 
It turned out that following succesful outcome of our complaints to CFPB and our other attempts, LoanCare finally agreed to and proceeded to paid for our XXXX Property Taxes + late payment penalties - twice - on XX/XX/XXXX and XX/XX/XXXX. 
We submitted a property tax + late penalties refund to the XXXX County Tax Office, but our request was denied since XXXX County already refunded to LoanCare their two payments ( Property Tax = {$4400.00} and Late Payment Penalty = {$720.00} ) - see attached letter from XXXX County Tax Office. 
In XX/XX/XXXX, we sent another Notice of Servicing Error to LoanCare to get reimbursement of the late Payment Penalty that LoanCare formally agreed to pay in their response to our complaint to the CFPB - see attached - explaining clearly that LoanCare took care of the late payment penalties, BUT got them refunded afterwards. 
LoanCare answer to our Notice of Servicing Error dated XX/XX/XXXX is attached. 
It is not providing satisactory explanation or response as it states that there is no more late penalties outstanding on our Account, because LoanCare took care of them. This is not correct as LoanCare got refunded for these two payments ( as stated in the letter from XXXX County Tax Office ). 
Therefore, technically, we paid the late payment penalties that are LoanCare 's responsiblity. 
We are requesting immediate reimbursement of these late payment penalties ( by check - since we have paid off this mortgage in the meantime! ). 
Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was with XXXX XXXX. XXXX XXXX removed because it wasnt my account than the collection agency reported it on XX/XX/XXXX please remove off credit as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 at XXXX pacific time my debit card was compromised for {$250.00} My first alert was XXXX letting me know of the suspicious charge. I then contacted my bank CHIME to make them aware that someone has stolen my information to close down my card. I received an email from chime saying they denied my refund for the unauthorized charge as I shop with XXXX often. So because ive shopped with XXXX, its ok for my information to be stolen and used to make fraudulent charges. This is unheard of and Im requesting an investigation. This has put my family in a horrible situation. I trusted chime with all of my banking including child support payments and this is unjust and unfair. XXXX agrees this was a suspicious unauthorized charge and is shocked about chime bank reply. Ive included all emails from XXXX. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have an active credit card ending in XXXX. Tro prior accounts were closed by me. One neds in XXXX the other in XXXX I canceled and reported the last two as LOST because I had given the card to vendors that at some point did not want to continue paying an " ongoing '' bill pay with them It was understood that once the card is " lost '' and thus closed, the card company would not honor payments if submitted by such vendors. 

To my surprise, the credit card does not stop payments to vendors with prior on going bill pay that has an on going relation. 
when I spoke to Discover about not honoring such payments, they told me their policy is to continue paying regardless if I wished to honor such prior relationships Today I called to cancel ALL my accounts, for I fear they will continue obligating me to pay in closed accounts to vendors, for the DISCOVER policy is to continue paying EVEN if the carte has been noted closed or lost Since I want to close ALL my relationship with XXXXiscover, I asked them to send me an e mail confirming this, and supervisor ID # XXXX ( XXXX   speaking one ) was rude and hung up on me. I fear he won't send me a confirmation of the request, so to document, should Discover keep paying in my name to vendors I refuse in spite of the fact I am discontinuing any business with Discover with any card I have or had, I document this with you and report them for this fraudulent activity. 

It is my feeling that I, the owner of the card should be the one who determines who gets paid and who not, NOT DISCOVER The problem is between me and the business I have payments with. If I do not pay them, let the vendor go after me, but it is totally unacceptable for Discover to obligate me to pay for bills I have determined I refuse to pay, and then, be obligated to Discover to pay for the funds they disbursed to a company refuse to pay. 
Please note, in several occasions, I tried to send an e mail to discover. In their incoming message, it does not say DO NOT REPLY> SO, I write a complaint, send it, and then a while later it returns as DO NOT REPLY> This company is a total waste of time. 
I told t hem I want them to close down ALL cards I have and any payments requested by vendors submitted will not be honored, and not top ay. If thye pay, it is their , which I will not repay. 
I have OVERPAID my card, by {$320.00}, and Discover today said they will send me the $ by US POST. I hope they honor at least that. If not, I will report this AS PART OF THE ENCLOSED GRIEVANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXXXXXX 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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17
Company: SYNCHRONY FINANCIAL
State: LA
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:
I have been charged for a product I did not want or purchase. A charge of {$14.00} has been charge to my account for several months. The last charge was dated XX/XX/19. I would like to close the account. I have tried to contact Synchrony Bank but it is impossible to contact them.

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 2022-10-29
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:
This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$16000.00}.

Company response to consumer: Closed with explanation