BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern : We are the borrowers on the above-referenced loan. As a result of deteriorating economic conditions due to our XXXX condition, as you maybe aware I m stage XXXX XXXX failure that requires XXXX to remain in life and my wife is XXXX due to XXXX XXXX XXXX called XXXX 's XXXX - an inherited XXXX that causes progressive damage to the XXXX XXXX resulting in symptoms ranging from XXXX XXXX and XXXX   problems to XXXX XXXX ( Please refer to attachment ), weve been forced to dramatically alter our plans to avoid financial catastrophe. Accordingly, we previously requested from Chase bank a loan modification to lower our monthly payments and more accurately reflect the actual value of our home. At that time, well be able to afford payments and will no longer be a homeless parent with 4 minors. Nevertheless we were met with negligence and letter of 30 days notice to foreclose. 

Weve also spoken with several realtors who conducted research to determine the value of our home. Unfortunately, weve confirmed that our mortgage is significantly underwater and amount of the underlying loan is much more than we could ever sell our home for. 

In fact our loan is so far underwater which it will likely be years before it regains its prior value, After evaluating all of our foreclosure alternatives, weve concluded that due and our XXXX and health condition which is a huge burden, the only way to salvage and protect our only residence is through a loan modification. This option allows us to stay in our home for years to come while avoiding the time and expense of a foreclosure lawsuit. 

Based on the underwater status of our mortgage, and our incompetency of affordability and our sever XXXX, reducing the principal amount of our loan is the fairest way to reduce payments. If necessary, we can look at a combination of reducing the principal and adjusting the interest rate or length of the loan to facilitate reduced payments which is our immediate goal and will be highly appreciated. 

As you know, time is of the essence so please contact me as soon as possible to discuss available options and of course let us know if you need any additional information. 
Thanks in advance for your anticipated cooperation. 
I contactcted the bank many times to help with loan modification untill this date no help, please i am asking for help i do not want to be in the street with my chlidrens Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: CURO Intermediate Holdings
State: MS
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:
I received a phone call from Speedy Cash legal department last week stating that a payment plan needed to be setup immediately. I didnt have an account # to provide them, so I gave them a old debit card #, but promised to provide the new number once I received it in the mail. I received a text message this morning with a link attached to it. Apparently, I am being sued for the amount owed & a warrant has been issued for my arrest. They also stated that it was too late for the payment plan and IF I wanted to pay in full, I could not do it through a bank account nor debit/card. They want me to wire it through XXXX XXXX or XXXX because their bank is in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: EQUIFAX, INC.
State: CA
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, 2017, is the last date I wrote a letter to this credit repository to dispute how incorrectly and inaccurately several items have been reported. Particular incorrect and inaccurate payment history. I clearly informed this company what their 's and the creditor 's violations are and nothing happened. There are accounts that either shows no data or blank in the payment history. Moreover, they are reporting late payments of 60 or 90 days, but there are no prior lates?! This clearly is a violation of FCRA. Informing me that these items had been verified even though the incorrect and inaccurate information still shows. I kept copies of my previous credit report and a new and will not hesitate to get a legal counsel involve if these are not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted in XX/XX/2017 by XXXX XXXX XXXX regarding an amount of {$920.00}. 

this was for medical services. upon investigation, the medical provider made an error when applying the charges to my health insurance provider The medical provider resubmitted the claim to my health insurance company and it was then paid. 

I've contacted both the collection center and the medical provider and asked them to delete the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: ALLY FINANCIAL INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I went to XXXX XXXX as a co-signer for buying a car to my brother but My brother is didnt eligible for loan. The sales representative told me he is going to run my credit just one time for credit inquiry but he did 4 hard inquiry.

1. XXXX XXXX Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 3. XXXX XXXX Inquiry from XX/XX/XXXX 4. XXXX XXXX   Inquiry from XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
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: Was not notified of investigation status or results

Complaint:
I have requested that the credit reporting agency validate the following information more than 5 months ago with no response. 
XXXX XXXX XXXX I XX/XX/XXXX {$1000.00} XXXX XXXX XXXX I XX/XX/XXXX {$1100.00} XXXX XXXX XXXX I XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$34.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: NAVY FEDERAL CREDIT UNION
State: LA
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:
I'm unsure as to what this account is about. There's also a report date of XX/XX/20 on my report that is incorrect and false. Please do not respond with an automated message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: IN
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 XXXX XXXX has the right to privacy and I have not given anyone written consent to report the following accounts. 

XXXX XXXX XXXX XXXX XXXX US Dept. of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
So I moved transferred my cable service XXXX never transferred the account to another address. I paid the final bill and they turned it over to collection who in turned reported inaccurate info to my credit bureau and I owed them nothing

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 2017-11-30
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened open additional cardholders and finished the purchasing criteria, but did not receive any bonus of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
Company: Commercial Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Credit Recovery Systems, located in XXXX XXXX, NY used constant abusive language towards me, telling me they were going to sue me and that I would be arrested. 

After telling him I would be getting my husband involved, he mentioned, Your husband will keep his mouth shut after today. Very strange behavior from a collection agency. 

Also, one of the men working there, ( XXXX ), continued lying about who he actually was. He claimed his name was XXXX, then XXXX XXXX. After asking XXXX to speak with someone else because he was very rude, he transferred me to XXXX XXXX, who was himself.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 was specifically looking for a prequalification, which only requires a soft pull. However, XXXX XXXX, XXXX XXXX, XXXX # XXXX did a hard pull on my credit without asking for my authorization.

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 2019-04-10
Company: Experian Information Solutions Inc.
State: CA
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 continue to request from all 3 Credit Bureaus verifiable proof which includes documentation with my signature after they have done their investigation. this has gone on for several months and they have not sent me anything. if an investigation has been done then they are REQUIRED by law to forward to me these documents that proves that what they are reporting is in fact true and correct, THIS IS FEDERAL LAW!!!! 

They continue to generate these generic letters stating that they verified however has not sent me documentation per my 6 written request. THEIR REPORTING IS INACCURATE.

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 2018-04-23
Company: Experian Information Solutions Inc.
State: WI
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 have attempted to have an account from XXXX XXXX removed from my credit reports. I contacted each of the 3 major credit bureaus explaining that I do not have an account with neither of the companies listed on my credit report ( XXXX XXXX   or XXXX  XXXX XXXX XXXX ). I was told I can enter a dispute which takes 30 days to complete. Each time I put in a dispute I literally received an alert within 24 saying my dispute has been resolved with know change. In mid XXXX I contacted each bureau again asking what is the method for verifying this is my account considering I'm reporting it does not belong to me. I was told they contact the creditor and if I want more information to contact the creditor directly. 

Starting back in XXXX I've reached out to the company XXXX XXXX XXXX XXXX collecting on behalf of XXXX XXXX. The first couple of times I called ( only verifying my named, I was told I took out a loan online in XX/XX/XXXX. I explained I don't know who this company is nor have I taken out a loan with them. I've also asked for documentation with my identity information ( SS, address, DOB, dates, times and my signature on it ). To this date I have not received anything from either company. I also made a point to ask why I never received any calls or delinquent letters of collection. Neither rep could answer my questions. When I did a check on XXXX XXXX through XXXX XXXX XXXX XXXX, I see that XXXX XXXX XXXX is dissolved. I mentioned this to XXXX XXXX and basically that was brushed off and they still asked me to pay them. 

I need immediate help from CFPB, my identity has been stolen 4 times within the last 7 years. This is not my debt and I would like it removed from my credit report immediately. Trying to resolve the issue with XXXX XXXX has been frustrating and time consuming to say the least. This is literally the only bill on my report and it is damaging my credit.

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 2019-11-17
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I have been given the run around for months over an account that my mother opened in my name. I have a state trooper involved to help me try to press charges against her and no one will give the trooper or I any information. I keep being told that I will get paperwork sent to me and never receive any paper work. I also was told the trooper can call and get the information and they will not allow him to get any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XX/XX/2021 XXXX, I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The novel coronavirus pandemic has changed everything for my beloved wife XXXX and I in terms of paying the loan from the Bank of America for my car! We are senior citizens of advanced age with serious health problems and so are in the HIGH RISK category. 
As a result, WE CAN NOT WORK! 

Yet the Bank of America is unwilling to change the terms of my car loan so that I in light of the novel coronavirus pandemic that makes work for us impossible! This is cruel and insensitive of the Bank of America. 

I am able to make payment of {$500.00} per month for the life of the loan! The Bank of America in light of my beloved wife XXXX and being in the HIGH RISK category would amend the loan agreement in this regard!

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 2019-04-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX  could not verify my identity when asked, very vague questions regarding my credit history ( which dates back to the XX/XX/1970 's ) they asked what my monthly payment was when I named my credit card bank. My answer ; I pay it off monthly it varies. He kept repeatedly asking, in broken english, what my monthly payment was? That was after he ( XXXX ) quizzed me on my SS # my address, Birthdate and various other personal information. I was only calling to inquire if my credit was still frozen, as I believed it should be. I have frozen my credit for years, however the thaw process has changed. They would not answer based on my responses. Now I am to send a copy of my SS Card, Drivers license, utility bill etc. No, I don't want to blindly send or fax those documents particularly given the XXXX Breach. How do I determine if XXXX still has my credit frozen per my instructions from previous dates.

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 2018-04-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
ON XX/XX/18 I TRIED TO CONTACT EXPERIAN TO REMOVE A CREDIT FREEZE. I COULD NOT GET EXPERIAN WEBSITE TO FUNTION. I CALLED AND WAS UNABLE TO GET PAST THE AUTOMATED PHONE SYSTEM. IT SEEMS THEY HAVE DEVISED A PERFECT SYSTEM TO AVOID ANY CONTACT FROM CONSUMERS. THIS IS DELIBERATE DISCRIMINATION AGAINST CONSUMERS DESIGNED TO FRUSTRATE THEM INTO GIVING UP. I HAVE SENT THEM A LETTER REQUESTING THAT THEY CONTACT ME.

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 2021-05-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are several inquiries on my credit only recently that I did not authorize or consent to as I have been trying to repair my credit! I have contacted some of the inquiries as they have been difficult to connect with! Please help resolve this. 

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 non-monetary relief
Consumer complaint received 2021-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I should have balance money on my prepaid creditcard from unemployment benefits from NJ. My unemployment claim was approved and I claim benefits itssucesssfully every week but I dont see it reflected in my Bank Of America account prepaid creditcard. What is the problem with it. I will like have some pront and diligent solution from your part. Thank you in advance.

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 2021-06-28
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On ( XX/XX/2021 ), I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Experian Information Solutions Inc.
State: TN
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:
I Sent Certified Letters To The Company To Properly Verify And Validate The Accuracy Of The Account That's Showing On My Credit Report ... I Never Received Any Proof Of The Account As Being Accurate ... They Sent Email Or Letter Saying That The Account Was Verified But Not Once Send Me Proof That I Requested ...

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 2019-04-10
Company: Klima, Peters & Daly, P.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
*CFPB will send copy of letter to you shortly to atth to this complaint i was sent a letter this month threatening judgement, after XXXX, if i did not call agency and work out debt. 

I depute this debt from Collector and CC Bank now, and i disputed in XXXX. this is false debt. 


CFPB was used then, XXXX as contacting source, between bank and I, to dispute this acct and bank had no interest in reviewing my dispute.

Company response to consumer: Closed with explanation