BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for and received a CALIF. Housing Finance Agency COVID mortgage forbearance, ( XX/XX/XXXX-XX/XX/XXXX 8 payments ). On XX/XX/XXXX, ( before I got the COVID forbearance ), their Dovenmuehle Mortgage servicer supervisor XXXX XXXX, ( contact info below ), had emailed me stating the forborne payments would be placed at the end of my loan and the loan recast at the same rate. 
On XX/XX/XXXX, I then sent them a letter by U.S. regular mail, certified mail, and email, ( to Dovenmuehle mortgage servicer ), asking to be removed from the COVID forbearance such that the last forborne payment would be XX/XX/XXXX. ( I paid XX/XX/XXXX and have paid XX/XX/XXXX ). Nothing happened. No response. An employee ( XXXX XXXX ), told me in an unrelated update letter dated XX/XX/XXXX, that my COVID forbearance is still in place. 
I sent emails to their counsel, ( available on request ), and today XX/XX/XXXX an employee, ( self identified as XXXX # XXXX ), telephoned me and said the exit from forbearance and my approval of terms would have to be in telephonic communications only but only they, not I, would be allowed to audio record. I protested and she stated I was refusing to move ahead. I said I was not and said I was merely requesting the documents be in writing to protect myself. She said she would ask her " underwriting team '' but could not " promise '' they would move ahead in writing. I said I would check with CFPB about this telephonic policy and asked her to have supervisor XXXX, ( who they posture as a real person ), call me back. 
A little while later she called back and said XXXX was " on vacation ''. 
My complaint is they wont respond to my request to culminate COVID forbearance, set up repayment like they agreed to, and do it in writing like all reasonable American businesses. 
Also they generated in last few days an automated email which appeared to, ( amidst their ignoring of my letter ), bait me into a secret, ( behind firewall of website portal ), " workout '' process, which I feel warrants investigation. 

XXXX XXXX XXXX XXXX Supervisor Loss mitigation Dovenmuehle Mortgage , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX O : XXXX, ext. XXXX F : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 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 explanation
Consumer complaint received 2023-02-06
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various XXXX  and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. 

Best regards, I remain

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting 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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-09-25
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I put a claim for the amount of XXXX with the bank on XX/XX/XXXX on XX/XX/XXXX they sent me a letter stating that they were going back in my account to take the money back for the company up work on XX/XX/XXXX I also spoke with up work and I gave proof to the bank that up work apologized and that they weren't going in my account and I provided the information to the bank today XX/XX/XXXX the bank retrieved the funds from my bank account at XXXX XXXX  overdrawing my account and they didn't care to fix their mistake or go through the paperwork that I later provided to them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received a debit card in my name at my address. This is a fraudulent account set up with my name, birthdate, and social security number. I was told the account couldn't be closed because my email address and phone number do not match what they have on file. I told them of course it doesn't it's a fraudulent account. I verified all of the government requirements. I was then told they were unable to close the account because I couldn't verify all of the information. This account was not opened by me and Chime Bank will not close it. They do not take care of these issues by phone either, they only will email for these situations. How is that secure and how can they open accounts with no verification of ID?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Other

Complaint:
Citi has a robo caller that calls my home number XXXX times per day. Trying to collect from someone that has n't lived here in over 5 years. 
The robo caller has no option for me to inform them that they are calling the wrong number. 
This occured two months ago, and I contacted a manager at Citi customer service and informed them that the person they were looking for does not live here. The manager informed me that they would stop calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my Mortgage on XX/XX/2023 and have an escrow balance of {$1500.00} that I was told mailed to me on XX/XX/2023. I called US Bank on XXXX to notify I had still not received my check and was told nothing could be done till after 30 days from mailing. I called US bank again on XX/XX/XXXX and was told a replacement check would be sent. This morning XXXX I called inquiring why I still haven't received my check and was told they had no record of my call, they then said the only thing they could do is put in a replacement check request and it might be up to 30 days again before receiving it. I have other accounts with US bank and asked if I could have my balance owed transferred to my account, wired to my other bank, a check overnighted to my home or any other possible form of expediting my funds but told, no. It is unfair and should not be legal that they can keep my money for an extended period of time without paying me interest or making any attempt to correct their many errors in processing this payment.

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 2022-04-04
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX/ {$0.00} / XX/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 2019-01-17
Company: Nelnet, 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: Account information incorrect

Complaint:
I dispute Nelnet Loan Services account for payment history. The payment history is incorrect for Nelnet Loan Services account. I am requesting that Nelnet Loan Services account is deleted on my credit report and credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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: Personal information incorrect

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: AmeriFirst Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We opened our first mortgage on a house with the loan servicing company Amerifirst. The loan amount was approx. {$170000.00} and we closed on the house XX/XX/2019. XX/XX/XXXX, we received a letter from XXXX XXXX notifying us that our mortgage loan had been sold to XXXX. At no point had we been notified by Amerifirst prior to the projected sale, and we have yet to date been contacted by Amerifirst to notify us of the completed sale. We confirmed the sale by calling Amerifirst directly and having them report to the status of the loan. We understand this is a standard process in loan servicing, but I was under the impression that a loan servicing company is required to notify the home owner of a mortgage loan sale no less than 15 days before the sale. We did not receive such a notification.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX card has not updated my balance which is XXXX $ with the credit bureaus.

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 2020-02-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX increased our monthly payment amount on our mortgage late in 2019 to approximately {$2700.00}. The changed occurred in XXXX, and we were not aware of this change. We consistently paid in excess of the previous monthly amount. Prior to the change our monthly mortgage payment was approximately {$2500.00}. We would pay anywhere between {$2700.00} and {$3000.00} a month. I believe we paid {$3000.00} in XXXX. Again, because we paid {$3000.00} the payment change went unnoticed. In XXXX we paid {$2700.00} thinking our payment remained at the {$2500.00} amount. XXXX  XXXX  did not apply the amount and we were not aware that we were short {$70.00} until the account went 30-days late. Once we discovered the issue it was immediately correct. 

It should be clear to any reasonable person what occurred with this situation. The change in our monthly payment happened so late in the year it was not expected. We thought we were paying in excess of the monthly amount due in XXXX. 

We are disputing the 30-day late notice on our credit report for this reason.

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 2023-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Under Federal law late payments are illegal to be added on consumer reports without being given an opt out notice. I was not given an opt out notice

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 2022-10-19
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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2021-05-14
Company: JPMORGAN CHASE & CO.
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: Information is missing that should be on the report

Complaint:
This was for a old mortgage I had on a home that shows on my credit as seriously delinquent. Which I have never missed a payment on. This home was sold back in 2018 and this still showing up on my credit report as two payments plus was missed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX and XXXX XXXX XXXX XXXX  have both been Paid in full both still is reporting as delinquent after many letter about other incorrect items reported it kept updating as verified it couldn't be right

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 2023-06-30
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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Stevens Business Service, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
STEVEN BUSINESS SERVICES XXXX XXXX- # XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I've sent a documentation regarding to those unknown and inaccurate account I found on my report. I demand to deleted those accounts or I will file a litigation. Its over 30 Days today I haven't received a response. I was a victim of Equifax Data Breach.

Company response to consumer: Closed with explanation