BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible Names : XXXX XXXX ; Addresses : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$210.00}, XXXX XXXX XXXX Balance {$56.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXH XXXX ) XXXX Balance : {$140.00}, XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Capital Accounts, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Reserved from CAPITAL ACCOUNTS on XX/XX/2018 Bill from theme it says I was having medical treatment from atrium that was before XXXX start within a few months I remember I have my son he was treated at XXXXm but we also has XXXX CAPITAL ACCOUNTS XXXX XXXX {$970.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Franklin Credit Management Corporation
State: KY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Dear Sir or Madame I would officially like to lodge a complaint with Consumer Financial Protection Bureau against Franklin Credit Management for harassment and excess garnishment of wages from a past predatory concealed balloon mortgage payment. 
On about XXXX, I was coerced into accepting a loan for a condominium ( XXXX L : XXXX XXXX # XXXX XXXX Florida XXXX ). My wife and I knew it would be tough to hold down a home with a 1st and 2nd mortgage totaling {$1900.00} on property with HOA fees of 7XXXX per quarter. ( 100 % financed XXXX We resisted accepting the mortgage thru the seller XXXX XXXX, but like most people the opportunity to own a home is every Americans dream. About the same time the economy was starting to slide and home prices would eventually tank. My wife lost her job at a diabetic supply company, but I was still employed at the county government ( {$1200.00} biweekly ). We carried the mortgage for about 3 years, but eventually fell behind. First to suffer was the HOA fees then eventually the mortgage came crashing in on us. We tried loan mods that were being offered at that time but, the bank on the XXXX on the first loan complied abut eventually we missed another payment so it was cancelled., the second mortgage company Franklin Credit Management ( FCM ) wasnt as forthright with any modifications. 
Facing foreclosure, our next plan was to do execute a short sale. That was arranged and presented to XXXX and FCM. Both balk at he short sale price and he home went o foreclosure. 
Fast forward to XXXX I get served for garnishment of wages for the second mortgage from FCM. {$61000.00}. It took me from that incident back in XXXX to the present to finally get my credit back on track, only to have FCM come after me for that second mortgage loan. When presented with original loan docs during the court remediation. It showed that I signed a balloon payment second mortgage. I swear to XXXX, I would have never signed a balloon payment second mortgage on purpose. I really believe they tricked me. That would be ass-nine!!! I swear to this day there were some hidden objectives then with this2nd mortgage in addition to the coercion that we faced. I think this may have been predatory loan. 
I reached a mediation with via the courts, but they instead got a court ordered garnishment hat is taking more than 25 % of my income on a bi weekly basis How can they go out of business in XXXX filing bankruptcy, then come out of bankruptcy and come after me? For a loan they probably got waved thru bankruptcy. 
Can you CFPB help me with investigating Franklin Credit Management for unfair loan practices that involve coercion, mis-information and mis-leading loan practices? 
I have contacted an attorney to help with wage garnishment. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible Names : XXXX XXXX ; Addresses : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$210.00}, XXXX XXXX XXXX Balance {$56.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00}XXXX XXXX XXXX XXXX XXXXr : XXXX XXXX ) XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: CA
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 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 states : A consumer reporting agency can not furnish an account or account information without my consent

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 2022-11-30
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX source receivables mng, 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Dear someone who may concern I applied America Express Hilton Honors Surpass Card in XX/XX/2022. According to the advertisement I can earn XXXX Hilton Honors bonus points after I spend {$2000.00} in purchases on the card in the first three months of card membership. My friend referred me and I applied this card online with him together. The entire application process is so smooth and I get my card information directly after file my information. There is no pop up or any notification during entire application. My friend can prove it. Then I get my physical card 5 days later. 
I made almost purchase or payment by using this card to fulfill the welcome offer as early as possible. America Express charged me annual fee in XX/XX/XXXX. And I achieved the all requirements in XX/XX/2022 to get the welcome offer. But I haven't received any offer rewards until now. Last week I reached out the customer service. They said I am not eligible to get welcome offer. However I haven't received any notification about " I am not eligible of offers '' from any forms. 
I contacted America Express customer service multiple times. First time, their excuse is I used a function of my other card. Actually I haven't use this function anytime. Second time, their excuse is I already got welcome offer from my first and only Amex card called Blue cash prefer card. But this is unreasonable since these two card is unrelated. And they didn't clarify this is only for first applicant when I am applying. They used different unreasonable excuses and even clarify this is Non-Amex fault to avoid their responsibilities. 
I logically think this action is FALSE PROMOTION and violate the transparence between Financial Companies and Customers. I request America Express provide me the Welcome offer. 
Thank you. 
Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: WELLS FARGO & COMPANY
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Misapplication of a payment led to charge-off of my account XXXX held by WF. Documentation indicating the misapplication of payments is attached. Since the payments were scheduled and confirmed to be debited and or returned by automated systems, the only way for payments to have been applied contrary to the manner they were scheduled is due to manual intervention. So, while XXXX XXXX XXXX may " reject '' or, lets face it, deny that Wells Fargo did what I've explained here, the documentation proves otherwise. To date Wells Fargo has not provided any information or explanation for tthis misapplication. That misapplication has harmed me because WF has supplied negative payment history as a result of the misapplication eventually leading the account to be charged-off.

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 2022-11-30
Company: EQUIFAX, INC.
State: MI
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: DC
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, XXXX XXXX who is a consumer/natural person sent certified letters to the consumer reporting agencies XXXX, Experian, and XXXX in which they were received and signed for. XXXX with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. Experian with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. XXXX with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. All XXXX of these consumer agencies are breaking federal law by furnishing information on my consumer report WITHOUT MY CONSENT per 15 USC 1681b ( a ) ( 2 ). Its been well over 30 days and they are still reporting inaccurate information on my consumer report and has ignored my request.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-10
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Was notified late of escrow payments increasing for calendar year XXXX but their math does not make any sense, and I have filed a separate complaint. Called them today to request escrow reanalysis. Rep on the phone transferred me to a " tax specialist '' who asked me to tell them what the property tax should be in XXXX  on my home so they can just punch in whatever number I tell them and hold me responsible. 

I am not a tax expert- why was I asked to do this? I asked them to explain the analysis to me and they could not. I went to the XXXX XXXX tax assessor website and in XXXX  the max rate is 1 % and my assessed property value has dropped this year - my tax reservation on escrow can not physically increase more. 

I told them what I as a non " tax specialist '' thought was the max amount, 1 % of the assessed value as per my state law. They should be able to manage this, and if they are a tax expert but are recalculating my escrow ( which takes so long they did not in fact furnish me with the results- why are they unable to get the right amount? 

My loan was sold to them, I don't want to do business with them to begin with - but why can they not get this right, and why am I being held responsible for them arbitrarily raising my mortgage payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: NC
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a XXXX party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXXXXXX BalancedOwed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. 15 U.S. Code 1681n Civil Liability for willful noncompliance Chapter XXXX Bankruptcy Case Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Thank You Sincerely yours, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief