BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: SC
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:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2020 I charged {$730.00} to my Chase card. I did so because of this offer https : XXXX. There is a {$250.00} cash back offered. The card company is saying this is not valid. But will not give a reason why. This was my first purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I TALKED TO A TRUIST REP, AND SHE SAID NOW THEY CAN GIVE ME AN OPTION OF A VA DISASTER MODIFICATION. BUT I DON`T UNDERSTAND IS WHY THEY FAILED TO OFFER ME THAT OPTION BEFORE BACK IN XXXX. THE VA HAD 2 OPTIONS FOR VETERANS BACK IN XXXX. THEY WERE SAYING THAT MY LOST MITIGATION PACKAGE WAS INCOMPLETE AND THAT IS ONE OF THE QUALIFYING MEANS OF GETTING THAT OPTION. IF THEY HAD OFFERED THAT OPTION I WOULD`VE SIGNED THE DOCUMENTS FOR THE MODIFICATION BUT THEY WANTED TO GRANT ME A EXPLOITATION OF TERMS. MY CASE WOULD`VE BEEN IN THE PAST. THEN THEY THROW THE PACKAGE IN THE TRASH WITHOUT THE OFFER FROM THE VA. NOW YOU SAYING I AM 19 MONTHS BEHIND IN MORTGAGE PAYMENTS? MY FORBEARANCE STARTED ON XX/XX/XXXX AND ENDED ON XX/XX/XXXX, SO YOU SAYING I MADE NO PAYMENTS FROM XX/XX/XXXX TO XX/XX/XXXX. ( XX/XX/XXXX TO XX/XX/XXXX = XXXX ) AND XX/XX/XXXX TO XX/XX/XXXX = XXXX. YOU STOPPED MY PAYMENTS 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 2020-08-11
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 in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXXXXXX {$85.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXXXXXX {$85.00}

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 2020-08-11
Company: Experian Information Solutions 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 in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. USDEPTED XXXX {$1700.00} USDEPTEDXXXX  {$2200.00} USDEPTED XXXX {$13000.00} USDEPTED XXXX {$6900.00}

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 2021-09-01
Company: Resurgent Capital Services L.P.
State: TX
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:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that LVNV FUNDING would verify the debt. So I took it upon myself to ask LVNV FUNDING for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loancare sold my mortgage loan from there company to XXXX. While my service with Loancare, I made several additional payments to my principal to get my interest lower on my monthly mortgage payment. After several payments, it reduced my interest on my first principal payments by XXXX..increasing my principal by {$29.00}. When my loan was transferred, Loancare transferred the loan as if I never made any additional payments towards my principal. They even changed the first mortgage payment of my loan as a payment calculated off no additional payments. I have record of an official statement they sent before they reversed everything. They later transferred another lump sum of all additional payments I made. The lump sum was sent to the new mortagage lender stating I made the payments later.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-16
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple calls it in one day, I 've told them to call me after XXXX because of work. XXXX will not work with me on making payments and have the debt removed from my credit report. XXXXsaid she only will have n't debt removed if I pay in full which I ca n't pay in full I would be more than happy to make payments only if they will remove my debt from my credit report once paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: MI
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:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. I sent a cease and desist letter to XXXX XXXX XXXX. I never gave them permission to communicate with me on any medium and I have requested that they stop communicating with me on all mediums, included but not limited to : credit reporting agencies, telephone, mail, social media etc. This letter was sent via certified mail, and I have attached the letter and certified mail receipt attached to this complaint.

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 2020-01-04
Company: Experian Information Solutions 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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-08
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I turned in my XXXX XXXX, and Ford Motor put a balance owing on my credit, I had no knowledge or notification of a balance being owed on the vehicle of {$1300.00}. They put it on my credit report without making me aware of a balance. I would like this removed from my credit report. 

Ford Motor Credit Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Cracked since the data breach of XXXX I have struggle to maintain clean credit not go into debt and pay my bills on time although it looks as if it's gone to waste since random accounts show up with arthritis charges on my current accounts and I struggled to know why the credit bureaus are allowed to display this inaccurate information after I have several times over the past three years requested is being removed. Finally why are credit bureaus allowed to not upload a TC reports all three of their different platforms unless you are a paid customer?

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 2020-02-21
Company: Southern Management Systems Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Date : XX/XX/2018 Amount : {$1900.00} I contacted the apartment complex on multiple occasions to get this debt removed from my credit reports, and I didn't get a response. The debt was paid for with my tax refund check and it hasn't been reported to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
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 in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. USDEPTED XXXX {$1700.00} USDEPTEDXXXX {$2200.00} USDEPTED XXXX {$13000.00} USDEPTED XXXX {$6900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. USDEPTED XXXX {$1700.00} USDEPTEDXXXX {$2200.00} USDEPTED XXXX {$13000.00} USDEPTED XXXX {$6900.00}

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 2016-05-04
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Have received numerous calls from. XXXX XXXX XXXX but no voicemail as to what they were calling for ... I called the number back and the representative i spoke with was one of the most rudest people I have ever spoke with ... .when he answered I could n't understand bis name..I stated I 'm sorry what was your name..he stated to me very loudly and rudely MY NAME IS XXXX!! WHAT IS YOUR NAME AND WHAT DO YOU WANT!!! I stated that i have received numerous calls from this number and was inquiring as to why they were calling..he repeated my number back and stated that owed cash net XXXX..i told him i needed some verification of this debt..be said that they have sent me out numerous letters..told him I 've never gotten anything..he said..yeah sure..that 's what they all say..he said listen up miss..we have had it with deadbeats like you..my company is going to have you arrested for cashing a bad check with Cash Net ... I told him I do n't intend on paying anything without some validation..he said we have sent you out eveything you need to know..next step is the local authorities will be notified of this. ..and arrest you..I told him..well I 'll be sitting here waiting..thank you. Have a nice day..and i hung up..he immediately called back and gave me a case # and said good luck deadbeat ...

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi, I have one late payment on my account from XX/XX/2018that dropped my credit score 100 points. It is from an auto loan with Jp Morgan Chase, account number XXXX. My house caught on fire ( XXXX XXXX XXXX ), and we were forced to move, in addition my state was hit with two natural disasters. I had to stay in a hotel, and sometimes mail was being delivered that we did not receive. In addition, my state was hit with natural disaster When I called Chase to explain, they told me they would remove it from my account due to the circumstances. However, when I called back someone else answered and said they wouldn't remove it. I have a 99 % payment history with them, I've never been late and the one time I am has significantly impacted my score. Looking into mortgage it is showing on my credit and not looking well.

Please review the call and you will see that Chase told me that, all your calls are being recorded so Chase bank should have that call, stating the removal and I want Chase bank to honor their word. 

Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions 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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$140.00} 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 explanation
Consumer complaint received 2017-02-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
Wells Fargo closed my visa credit card due to suspected fraud without my knowledge no emails or phone calls from them they said they sent me a letter but I did n't get it. Because of this they said my rewards points are forfeited. According to them the only way I can get my points back is to apply for a new credit card. Ive been dealing with them since XXXX 2016 I spoke to different departments, cust service, collection, rewards, fraud dept and branch manager in XXXX XXXX. I do n't want a new credit card from them and check my credit again They should not punish and inconvenience me as their customer because I am the victim of fraud. I have an excellent credit rating and XXXX balance in my card it was paid off XXXX 2016 I found out that it was closed XXXX 2016.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11
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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXXXXXX {$6100.00} XXXX XXXX {$1300.00} XXXX XXXX {$880.00} XXXX XXXX {$650.00} XXXX XXXX XXXXXXXX {$550.00} XXXX XXXX {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
State: LA
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 had an account, that I have disputed multiple times with XXXX XXXX and the late payment they are inaccurately reporting on both of my accounts and continue to reflect on my credit report. Although it was assigned to someone who was supposed to investigate further after I filed a XXXX  report, they never corrected the late payment on my report. On XX/XX/21, I made a payment of XXXX, which took care of the amount due for XXXX on account ending in XXXX and XXXX on that same date for account ending in XXXX. The month of XXXX, I was switching bank accounts, which cost me to not be able to make payments for that month. I did not make another payment until XX/XX/XXXX for both of those accounts, which were paid in full, however would have caused me to be more than 30 days late for the month of XXXX and not yet for the month of XXXX. The due dates for XXXX was XX/XX/XXXX and XX/XX/XXXX. 
I was more than 30 days late for the month of XXXX and only about 12 days late for the month of XXXX. By federal law, a late payment can not be reported to the credit reporting bureaus until it is at least 30 days past due for the month being reported as late. I have disputed it with all the bureaus and rather than do the right thing, they are continuing to validate the inaccuracy as 30 days late for XXXX to MALICIOUSLY cause harm to my credit, rather than reflecting the true status of the account. Since XXXX XXXX is refusing to report accurately I would like this tradeline removed from ALL of my credit reports before my only option left is to engage not only the State Attorney General, but a FCRA attorney. IF they decide they would like to keep reporting GROSSLY INACCURATE information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX XXXX to Lakeview Loan Servicing LLC as of XX/XX/2020. Lakeview Loan Servicing LLC has listed my property address incorrectly for a home that I am in no way associated with. I have spoken to XXXX XXXX XXXX XXXX multiple times and they informed me that I will have to obtain a XXXX form from the XXXX XXXX and mail it to them to correct this. I have been to multiple post offices and they have no knowledge of this form. I do not appreciate that XXXX XXXX XXXX XXXX is making me try to fix this problem myself when they are the ones that created the issue. I am extremely worried that i have been paying for the wrong property and my property may be foreclosed on due to payments not being processed for it.

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