BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify those accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified, that i have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX inserted collection on my credit bureau. Per letter sent to me by creditor a verification of debt was requested promptly on XX/XX/XXXX ( attached ). A letter to all XXXX credit bureaus was sent on XX/XX/XXXX. No response from XXXX has been received as of XX/XX/XXXX. A call to creditor on XX/XX/XXXX acknowledges receipt of letter dated XX/XX/XXXX for verification. They also acknowledge they can not verify accuracy of debt or date of XXXX delinquency. Per my records, this account was paid in full to the original creditor and the account was closed prior to XX/XX/XXXX. Per the Fair Debt Reporting Act, any debt reporting needs to be accurately reported and a verification of debt is required if requested by consumer. Furthermore, any debt with XXXX date of XXXX delinquency over XXXX yrs from the original debtor can not be reported to the CRA 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This in a complaint against the credit bureau EQUIFAX, XXXX who are violating federal law credit, my case is next, I am a victim of identity theft and have sent them more than 7 times this support police report where are each of the XXXX that were opened under fraud without my permission, I call every day and for the abuse towards me is having me for over an hour for the department fraud treat me and have the nerve to not attend the call and the call of waiting falls, I could only communicate with the department of disputes and they can not do anything, I 'm a little tired XXXX this situation XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is against TransUnion Credit Bureau and related to complaint # XXXX. TransUnion is reporting from my mortgage servicing company XXXX XXXX XXXX a Derogatory status. This is inaccurate and seriously wrong status. My loan has never been delinquent or not in current status with XXXX XXXX XXXX. I have submitted documentation with complaint XXXX. This inaccurate status has impacted my credit report and caused me harm. Additionally, it is violation of the CFPB laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am showing as late XXXX XXXX and late XXXX XXXX. If I was in a bankruptcy XXXX to XXXX XXXX I should have not been reported. XXXX is saying XXXX reported me and XXXX is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports

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: MD
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:
Unauthorized inquiries have appeared on my report from these creditors : XXXXXXXX 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 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 2022-10-19
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My truck is and has been paid every month. I have copys of confirmation numbers for each payment along with the date. In XX/XX/2022 after providing proof of payment history to the lender and credit reporting companies ally continued to say I owed about 4 payments ( even though I gave proof of payments from the start of the loan ) I requested several times my letters of extension during COVID just so I could match up my payments with extension and that my loan was not past due all along being changed interest, late fees and misc charges. I disputed the account information and payment information more than 4 times. All along killing my credit from on time payments % about 96 % to less than 80 % making it impossible to refinance it and make a home purchase. Not one person or company can explain. I decided to make 4 payments + in XX/XX/2022 just to get the account updated thinking it would give me time to get this loan corrected with out any further damage to my credit. And have continued to make my payment every month. This company has now managed to make a past due amount of almost {$2000.00} again exactly what happened in XXXX. Again copys of every payment every month being made and has never corrected my credit reports from the last time.

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: EQUIFAX, INC.
State: TX
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Over 10 years ago Providian National Bank charged off a debt. Its so old that its no longer showing on my credit report and they are out of business ( see document attached ) so there is no way of verifying original creditor or amount. XXXX XXXX XXXX is trying to attempt to collect that debt. This is a third party debt collector. The debt and the statute of limitations has expired on the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
This is XXXX again. I just checked Chase Banks response to my complaint about my mail theft issue and the XXXX late payments that resulted from that dilemma and they are claiming that i was advised of the minimum payment over the phone, hence I am responsible. Yet I WAS NOT ADVISED of that and due to my statements going missing I had no knowledge of them minimum payments and therefore this is NOT my fault and Chase is refusing to follow the law and accept the Police report which I obtained. They are the only company that was affected that is giving me this hard time and falsely reporting to the three credit bureaus that I was dilinquent and this has tarnished my credit. I am a victim and they are being very difficult with me and they keep giving me the run around and refuse to do what is right. I advised them over and over again that the clerk at the bank simply took my payments a few times without advising me of ANY minimum. I do not bank online, so i had no access to that info. Which is why I paid the minimum as I was afraid ALL of my information was being compromised. Chase did not even care that my mail was stolen, they did n't even offer me condolences or a new card because my statements had my card numbers on it. They could care less! They have no respect of trust in their customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I got sick with XXXX XXXX XXXX then I got worst when I got XXXX. After a long illness Ive recovered enough to start working again. My mortgage servicer stopped accepting payments and told me I have to bring everything current. I applied and was approved for the HAF program but my mortgage servicer is dragging there foot in an attempt to foreclose on my home. This is the second HAF attempt to work with Rushmore Loan Services to bring my mortgage current. Rushmore employed delay tactics the first HAF attempt until the 30 day HAF time limit expired. Were now in the second HAF attempt and Rushmore is employing the same tactics. My home is worth $ XXXX {$380000.00}. Rushmore and its investor XXXX stand to make more if they foreclose on my home than accept the HAF settlement which would bring my status current. Rushmore has locked me out of online access to my account since XX/XX/2022. I have no access to government programs because Rushmore has denied online applications. I filled for bankruptcy In XXXX of XXXX  to stop Rushmore from foreclosing on my home. I have made my last XXXX mortgage payments but my balance owed has gone up over {$9000.00} according to Rushmore. I need help to keep my home for me and my kids. Im a XXXX  with XXXX kids. The lying and obfuscation by Rushmore is depressing and very stressful. Im at my wicks end. Disturbing thoughts are coming into my mind more frequently. Please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased goods from a person who was going to send the product to me via shipping. When I received the goods it had turned out to be fraudulent goods, they were fakes of the real goods. The person knowingly advertised the real item, providing photos and everything of a real version of the item, and then proceeded to send fake versions. This totaled {$360.00}. I went ahead and started a dispute with my bank since this is clearly fraud, Wells Fargo gave me my case number and informed me they started the process. Not only have I received no update on the matter, if I go to my account the status of the case says CLOSED. I have received no emails, calls, or texts of them asking for any more information on the matter or the fact that they closed the case. 

Payed for Goods : XX/XX/XXXX Opened Claim with Wells Fargo : XX/XX/XXXX Claim ( According to me finding out without notification ) Closed : XX/XX/XXXX Nothing has happened.

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: BSI Financial Holdings, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I want 2 things.

# 1. That my account be reported as paid off and in good standing which it is now # 2. That the delinquency notice be removed from my credit report THIS IS BECAUSE OF THE FOLLOWING BSI over billed my account over {$1000.00} & then reported my account as delinquent BSI mistakenly billed me for {$1500.00} payoff agreement with a deadline of XX/XX/XXXX and then an updated payoff agreement for {$1500.00} in a payoff agreement with a deadline of XX/XX/XXXX. However, I was being billed for over {$1000.00} over and above what I should have been billed for in a payoff agreement. 

I was certain the amount I was being billed was incorrect. So finally after a month of six different phone calls to customer service, BSI admitted its mistake and I was issued a payoff agreement for {$540.00} with a deadline of XX/XX/XXXX. On XX/XX/XXXX I wired this amount to Bank : XXXX XXXX XXXX  Beneficiary : BSI Payment in Process Clearing Account and my account is now paid in full. 

However, for some reason a delinquent account notice was triggered on XX/XX/XXXX and is now being reported to credit agencies. Since this was a clear mistake on the part of BSI, BSI needs to change the delinquency notice and remove it from the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I went into Chase bank to look into consolidating my debt. The one thing that I said was I did not wish to touch my Mortgage with XXXX XXXX, since I had less than XXXX left on it. When I went in to review what they could do, they had all the checks made out for the various debts, AND one to XXXX XXXX, for my mortgage. I felt pressured into signing the agreement, which put me into an interest only mortgage, and I was never able to get out of it. I eventually sold my home, and felt that Chase would not work with me to reduce the interest rate when I signed up for the " affordable housing '' program. I had to resubmit the paperwork every 90 days ; the contact person who was handling my account would not call me back, and eventually her voicemail was full and I could not leave her messages. I eventually had to declare bankruptsy, and even though I was able to sell my home, and pay off the interest only loan from Chase, it is in the record that the mortgage was included in the bankruptsy, which it was not. That does not look good on my credit record, AND it is incorrect. I have tried to clear this up and have it corrected on my credit report, but to no avail. I am very dissappointed with Chase bank. I will never recommend them for anything. I am embarrassed that nothing seems to have changed that would change the meltdown we had with XXXX from happening again, and thus I do believe it will happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I recently received the attached letter stating I have an overdue ( first letter I have ever received ) rental fee on a safety deposit box. I do not have keys to that box and have been divorced from the other person for 13 ( XX/XX/XXXX ) years. I have quite a few issues with this. 

1 ) Who has been paying for this box for the past 13 years? It has not been me. 
2 ) I do not have a safety deposit box anywhere 3 ) Why am I getting a letter with a late fee if I never received a letter before? ( States it was due XX/XX/XXXX ) 4 ) I have nothing to do with what he has in that box nor do I care to know 5 ) The other owner has left the country from what I can tell via social media and I refuse to be saddled with anything associated with him, I do have tax documents ( along with divorce records ) and could get you his SS to help track him 6 ) I will send you my divorce records if needed or have my lawyer contact you 7 ) I 've been told that my current name and address were found because I again have an account with Chase 8 ) I was an employee until XX/XX/XXXX when I was laid off, at that time I changed banks and after a few years returned to Chase XX/XX/XXXX. 

My issues with the branch are : 1 ) Inconsistent answers from XXXX different people on XXXX different days 2 ) Did n't take down the name of the gentleman from Wednesday but he said if I came to the branch I could take my name off the card and be done with the issue 3 ) When I spoke to XXXX at the branch she told me it does n't work that way and I 'm still responsible 4 ) I was also told there were no branch managers available either time I called and no one has gotten back to me I refuse to have this reflect my credit as a bad debt of any type nor do I feel responsible as I know you will not be able to find the other person who probably threw the keys away. It got that way at the end of the relationship so I would n't put it past him. 

Please have someone contact me to get this issue resolved as soon as possible. 

I appreciate your assistance. 

Thank you. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Additionally, I contacted the furnishers and they agreed to not report the accounts from my file. I have sent my documents, and the FTC report I filed on their website to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me and is reported erroneously. I am in desperate need of these items to be REMOVED and BLOCKED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2016-02-05
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX case number I got a phone call from chases rep I tried to call them back a few times cant get them to call me back left my number but it is like all the rest you cant get chase to do what they say

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I 'm writing on behalf of my  XXXX  brother and his wife who is also  XXXX .   They took out a home equity loan  from TD Bank for {$55000.00} but somehow the bank rep managed to wire an additional $ 40k into their account. They never used the money and at some point the $ 40k was removed from their account, yet TD Bank is insisting and threatening foreclosure, saying their loan was for $ 95k when they only received and used the $ 55k. They were informed the rep was relieved of her position, but would n't release her name, yet still insist on the $ 95k. They have made numerous attempts and threats to foreclose. My   brother recently went into a TD branch and asked them for an extension. He was given a week to get caught up on payment ( by this coming Wednesda y ) or they would send a sheriff to evict them. I wired them the necessary money today but I do n't have the money to hire an attorney and get this mess straightened out. Two  older  XXXX  people with numerous health problems should not be consistently harassed and afraid of being thrown out of their home because of a  major error TD Bank made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed XXXX errors on my credit report. I waited for 30 day and Transunion sent me a letter stating they could not find my report ( this is enclosed ). I pay for credit monitoring from Transunion ( this is also enclosed ). I have been a customer since XXXX 2016 ( this is enclosed ). Therefore, Transunion has my credit report otherwise how would I know what is on it? I asked for 5 items to be disputed and since they failed they need to delete them immediately per the FCRA. I am not asking for another dispute. 
The items were : XXXX {$140.00} XXXX XXXX {$1000.00} XXXX {$1000.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$14000.00}

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 non-monetary relief