BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report I was caught surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$2600.00} XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$3000.00} XXXX  XXXX  XXXX {$3300.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$2600.00} XXXX XXXX {$180.00} XXXX  XXXX {$2600.00} XXXX XXXX {$3000.00} XXXX XXXX {$1200.00} XXXX XXXX {$380.00} XXXX  XXXX {$450.00} XXXX  XXXX {$1100.00} XXXX XXXX {$3500.00} XXXX XXXX {$1900.00} XXXX  XXXX {$370.00} XXXX  XXXX {$1200.00} XXXX XXXX {$96000.00} XXXX  XXXX {$840.00} XXXX  XXXX {$1100.00} XXXX XXXX {$770.00}

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 explanation
Consumer complaint received 2015-09-29
Company: Valley Credit Service, Inc. (OR)
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Vally Credit never sent validation of the debt and erroneously marked my credit for a bill i do not oweThe bill is a sewer bill from a residence I moved out of in XXXX of 2014. I canceled my service and the City of XXXX made no effort to contact me. I put in a change of address and no mail has been forwarded. 

I just checked the City of XXXX 's website and my cell phone is still on file. The city has never called me nor has the agency. 

No efforts have been made to communicate with me and the agency is violating the FDCPA and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Have been working with Nelnet. Have had 5-6 calls with them and each time have been told conflicting information in regards to my account. I have been told with some calls that my XXXX required payment would be completed when I made the XXXX payment. However, come XXXX I was required to make yet another payment. Was then told that my daughter was now enrolled in the Income Driven Repayment Plan and her payment would be XXXX. However, upon calling again later in XXXX was told I had to make YET ANOTHER payment. Also, filled out the application for this program on line in XXXX, XXXX and XXXX. Nelnet first stated that they had none since XXXX. However upon pushing them they all of a sudden found XXXX from XXXX and advised they would submit it since they once again agreed her XXXX required payments had been made per a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After my husband ( a veteran ) passed away in XXXX Several times over the last 12 plus years I have tried repeatedly to work with Chase Mortgage to modify my mortgage that has a current interest rate of 7.50 % and that interest rate has never changed since the inception of the mortgage. The last time being in XXXX XXXX. I sent in all the require paperwork 3 separate times and each time I was told by Chase that the paperwork had never been received by them. I sent the paperwork again and was told they were working on the modification. In the mean time, I requested a pay off of the loan and also the amount to bring the loan current. Chase was to have sent the requested information via email. Well, they sent something on XXXX XXXX, XXXX, however, the document was password protected and the password was not made available to me. I requested the information over and over and never got a response. Moving forward. While still trying to obtain a modification, an amount to bring the account current and a pay off so I could refinance somewhere else, Chase decided to foreclose on my property. Unable to get the dollar figure to bring the account current, after many phone calls to Chase and the attorney XXXX XXXX XXXX in XXXX, TX a reinstate figure of {$26000.00} was available in the form of a cashiers check prior to the foreclosure sale and made available to the Trustee and yet my property was sold. I tried to prevent the sale and cure the loan under instructions by Chase employees. The conversations were denied by Chase until the recording of the call was found. I have a large equity in the property and I have lived here for 18+ years. I tried, to no avail to contact Chase and Attorneys as well as the attorney who is now trying to evict me from my home. The REO is now offering CASH FOR KEY in the amount of {$1500.00}. I have also contacted VA and they too have contacted Chase with no response. VA has now advised me to submit a complaint so maybe we can get some answers here. I have attached several documents to better explain my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I enter loan for the property located on XXXX XXXX XXXX XXXX NJ XXXX with XXXX Bank XXXX XXXX XXXX as trustee of XXXX XXXX Mortgage Trust, loan that has been transferred several time, first to Washington Mutual, then to Chase Bank and now to XXXX. Due to financial hardship I tried to do agreement to return the property after trying multiple times to Refinance the loans which have a very high interest rate, but no response was received. Called Chase to request information about the 2nd loan that is still in the title but they say it is " closed '' do n't know how because their system does n't show as pending, but they are the holders of that note. This is the reason why I need Chase to make a decision and let me do a deed in lieu

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: RSH & Associates, LLC
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2013 I was in the process of going through a divorce. I was billed by XXXX XXXX XXXX for XXXX {$40.00} co-pays which went to my husband 's address who is the insured person. I was unaware of any co-pay until being contacted by RSH Associates. I made several attempts to contact RSH but I would reach what sounded like a home answering machine. I did leave a few messages but had no correspsondence with this company beyond that. I was unsure if this was even a legit company so I contacted XXXX with XXXX XXXX XXXX who said that she would contact RSH Associates and tell them to rescind the account and that I could take care of it through the doctors office because of the mixup. XXXX who works in the doctors office contacted RSH a few times and I made XXXX call myself only to be told that they would continue to report the XXXX collection accounts on my credit report. Eight months later and there has not been any resolution and the account is still appearing on my credit report. The account was paid to the doctor 's office. Receipt attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Couch Conville & Blitt LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX and Couch, Conville and Blitt - all attornies have continuously and repeatedly harassed me to collect a debt. I 'm not sure if this debt is a credit card company or some other debt. They have dragged me into court and garnished my wages as well. I do n't owe this debt, yet they continue to badger and harass me trying to collect the debt. Their undue harassment is beginning to affect my state of mind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM TRANSUNION XXXX XXXX XXXX XXXX DATE OPENED-DATES DIFFER FROM TRANSUNION, XXXX XXXX XXXX BALANCE- AMOUNT SHOWN AFTER CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM TRANSUNION, XXXX & XXXX CREDIT LIMIT- AMOUNT DIFFER FROM TRANSUNION, XXXX & XXXX PAST DUE- AMOUNT SHOWN AFTER CHARGEOFF LAST REPORTED- DATES DIFFER FROM TRANSUNION, XXXX & XXXX DATE LAST ACTIVE- DATES DIFFER FROM TRANSUNION XXXX XXXX & XXXX DATE OF LAST PAYMENT- DATES DIFFER FROM TRANSUNION XXXX XXXX & XXXX PAYMENT HISTORY- DIFFER FROM TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.

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 2022-05-16
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Cedars Business Services, LLC
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from Cedar Financial in California requesting that I pay XXXX. In the return address of the letter was a number in the body of the letter was a contact number with a different area code. When I attempted to call both numbers the numbers were disconnected. The alledged Cedar Financial also included a bill with no date and a recent address, but they listed the debt as XXXX using an address where I lived in XXXX. They also did not include any names instead they signed it as the collection department. 
They included an alledged agreement to pay that did not include my signature, a date, a phone number etc. 
Over the past four months I had been disputing this debt with XXXX and they keep extending the dispute for 45 days. Each time they are redating the debt. 
I forwarded this information to XXXX along with documentation of my identity, passport pages verifying that I was not in the alledged city used as the billing address, I sent them copies of my drivers license and I received a letter stating " We have reviewed the documentation you provided with your dispute, but have determined that we are not able to use it to make changes or deletions you requested, We are contacting the furnisher of the information or the vendor who collected the information froma public record source. When we complete our processing of your dispute, which may take up to to 30 days ( or up to 45 days for a dispute of information in an annual free credit report ) we will send you the results. 
This letter is dated XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX stated in a previous communication of XXXX XXXX that the furnisher of the information Cedar Financial had verified the debt by matching addresses. The address could not have been a match the debt is listed as XXXX and I did not move to the address listed until XXXX. 
I also forwarded to them proof that since XXXX several persons have been scammed by Cedar Financial. 
XXXX has been very stuborn in removing the erroneous debt when I have verified that they have continued to report fraudulent information. They have never furnished me with, any proof of how they obtained this debt .I began disputing this item in XXXX XXXX and they continue to carry the debt and reage it. 
Please help protect consumers like myself from XXXX bad and ilegal consumer debt reporting practice. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: MS
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 AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX XXXX EXPERIAN XXXX XXXX XXXX OPENED-DATES DIFFER FROM XXXX, EXPERIAN XXXX XXXX XXXX AMOUNT SHOWN AFTER CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX, EXPERIAN & XXXX CREDIT LIMIT- AMOUNT DIFFER FROM XXXX, EXPERIAN & XXXX PAST DUE- AMOUNT SHOWN AFTER CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, EXPERIAN & XXXX DATE LAST ACTIVE- DATES DIFFER FROM XXXX XXXX EXPERIAN & XXXX DATE OF LAST PAYMENT- DATES DIFFER FROM XXXX XXXX EXPERIAN & XXXX PAYMENT HISTORY- DIFFER FROM XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.

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 2016-07-08
Company: ASTORIA BANK
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
5 years ago i did a refinance of my loan with Astoria Federal. At the time the loan was supposed to go from a jumbo to a conforming. Now I am finding out that this did not happen, I was lied to. My current loan with them is still considered a jumbo, even though it is {$220000.00}. 

I am now trying to refinance into a 15 year fixed. The rate on their page https : //www.astoriabank.comXXXX for a 15 year conforming is 2.75 %. They will not allow me to access this rate unless I pay them {$1500.00}. For their program that costs {$250.00}, they are offering me a higher rate, not the one advertised on their page. This bait and switch of rates is due to their error from last time I refinanced, when they promised me a conforming loan but did not deliver.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: WASHINGTON FEDERAL BANK
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In a shout period they cancelled the debit card, saying there was fraudulent charge at XXXX ( out of the blue without asking me about it. ) The fraud customer service group in XXXX was absolutely no help. Then, after the card was finally reinstated and I had contacted everybody who needed auto payments associated with the card XXXX of their ATM machine decided it didnt like a check I was trying to deposit. It ate bth the check and the debit card. After any hours on hold, covering XXXX days, I was told I would have to drive an hour to get a replacement card, and my check might be returned within 90 days! 
I can provide a file with an image of the check stub in needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX is the company consolidating all student loans on my CREDIT REPORT. To date XXXX is no longer the company consolidating my student loan debt. I have never owed any payments neither been late on paying as my account has always been in a differed payment status. XXXX reports a late payment on my account which is not accurate whatsoever. In addition, XXXX now claims to have no administration over my student loan accounts. They have transferred my student loan account to another company. XXXX has done so without having provided any proper/legal notices of this transferred/changed account status. XXXX is continuing to report on my credit as the administrator managing my accounts which violates the FCRA rules of truth and accuracy in 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 non-monetary relief
Consumer complaint received 2019-12-22
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
After closing my account comments bank pulled my credit on XX/XX/XXXX without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-05
Company: Linebarger Goggan Blair & Sampson LLP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Linebarger, Grogan, Blair, Sampson LLP ( Linebarger ) has attempted to contact someone ( an " Individual '' ) at my address by US mail and by phone at the landline number associated with this same address since XXXX XXXX ; this person 's name is clearly spelled and specified as per the attached PDF and Windows Media Audio Files, respectively. 
In XXXX XXXX as the result of other mail and robocalls for the same Individual sought by Linebarger I filed an FTC Identity Theft Victims ' Complaint and Affidavit and used it to file a Report with the XXXX County Sheriff 's Office in XXXX XXXX against this same Individual. 
XXXX/XXXX/XXXX : Received an un-postmarked Presorted First Class Mail letter at my address sent by Linebarger to this Individual. 
XXXX/XXXX/XXXX : As a result of the letter sent to my address for this Individual by Linebarger I called the XXXX XXXX and opened a case. 
XXXX/XXXX/XXXX : As per instructions from the Postal Inspector I returned the envelope received XXXX/XXXX/XXXX UNOPENED marked w/ '' Does Not Reside at this Address Return to Sender '' to the US Post Office Annex in XXXX , TX to be returned to Linebarger . 
XXXX/XXXX/XXXX : I received a Presorted First Class Mail letter from Linebarger at Zip Code XXXX postmarked XXXX/XXXX/XXXX for the same Individual. I followed up with the Postal Inspector. 
XXXX/XXXX/XXXX : I returned the envelope received XXXX/XXXX/XXXX UNOPENED marked w/ '' Does Not Reside at this Address Return to Sender '' to the US Post Office Annex in XXXX , TX to be returned to Linebarger . 
Prior to returning both letters I scanned the UNOPENED envelopes as evidence as per the attached PDF file. 
XXXX/XXXX/XXXX, XXXX and XXXX/XXXX/XXXX XXXX : Linebarger robocalled my home phone with messages for this same Individual. 
These messages are attached ; the second is truncated because the answering machine ran out of recording time. Linebarger does provide an Option in the event that the call is live answered such that " If we can not reach ( Individual sought by Linebarger ) at this number press 7 and we will remove this number from our records. ''

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card
Issue: APR or interest rate

Complaint:
The Target department store is refusing to comply with the SCRA federal law practices by decreasing my interest rate and reimbursing me for all late payment, and for all interest rate amounts charged that were over 6 % for the duration of my spouses XXXX.

Company response to consumer: Closed with explanation