BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: EQUIFAX, 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 my multiple requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A charge of {$63.00} posted to the credit card on XX/XX/23. It was for a purchase on XXXX XXXX for a car part. The order was cancelled before it was delivered and it was stated on XXXX 's site that a full refund was to be issued, I contacted both XXXX and the 3rd-party vendor several times over a week but no refund was issued. So I filed a billing dispute letter on XX/XX/23 with BMO Bank regarding the problem. BMO confirmed by telephone on XX/XX/23 that they had the dispute letter. However BMO has done nothing since then required by Reg Z such as acknowledging the dispute in writing or issuing a temporary credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: JPMORGAN CHASE & CO.
State: NM
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 have been disputing fraud on this credit card account with JP Morgan Chase Bank. They have repeatedly ignored my requests and will not answer my questions. They have been silent on the issue. They have now charged off the balance and it is now negatively affecting my credit scores on all agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: ALLY FINANCIAL INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
If you take a look at the attached documents you will see that the company is reporting the wrong balance amount on my account. 

I want this account deleted and removed.

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 2023-10-24
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For my accounts ending in XXXX and XXXX are closed and I no longer have access as these accounts ( just for XXXX, please do NOT touch the other accounts on my file ), is no longer associated with me and need to be removed entirely. I have attached proof of the XXXX out account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I recently requested my credit report from all three credit bureaus. I noticed that credit acceptance has repeatedly accessed my credit report without my consent once again the company name is Credit acceptance I am including a screenshot of my XXXX credit report which shows Credit acceptance use deceptive business practice I have never heard of this company nor have I ever did business with this company other than looking at my credit report and seeing the numerous hard inquiries I am including a screenshot showing the illegal access to my credit report which is harming my personal life and putting me in hardships as I am being turned down for new credit opportunities. I'm including a screenshot of my credit report showing these illegal tactics used by this company credit acceptance

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 2022-11-21
Company: EQUIFAX, INC.
State: MO
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/XXXX, I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as place temporarily remove or update these items from my report during the investigation period. As of this date, you have failed to respond to my request. 

Again, please reinvestigate if the following accounts are inaccurate, incomplete and outdated. 

XXXX XXXX Balance Owed : {$0.00} This only serves to highlight your poor record-keeping skills. Even though it is closed and the amount is {$0.00}, this item is currently said to be 120 days past due. Let 's fix this right away. You must confirm this for yourself, but I will go ahead and point out that this account has been paid, closed, and is no longer active. Its status should have read " PAID. '' Unless you can show proof that you haven't violated my rights by reporting false information, remove it right away. 

XXXX  XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX The following account should be on my credit report, so please provide proof that this is the case and that my rights have not been suspended. If not, kindly remove this destructive info right away. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you correct or remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Solar Mosaic LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In attempt to get solar panels my credit was hurt for project that was never started. XXXX took my information and signature from original meeting and used it to add a XXXX debt to my credit. In XX/XX/2023 I canceled the project and XXXX forever told it would be taken care of. Now, earlier this in this month of XX/XX/2023, I noticed the account was still on my credit. XXXX forever claims they've done their part in canceling the project but the debt collector mosaic is telling me XXXX forever is saying they're going to continue the project even though I made it clear I did not want the project to be done. I've had multiple conversations in between XXXX and XX/XX/2023 about having this resolved and I continue to be given the run around. Therefore I am filling this consumer complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Selene Holdings LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I am writing to formally lodge a complaint against Selene Finance regarding ongoing issues with my mortgage account management. Despite repeated efforts since early XX/XX/2023, both myself and my assistant, have faced continuous challenges accessing my account, resulting in significant financial harm and stress. 

Issue Summary : Account Access Denied : Repeatedly locked out of the online account system, precluding access to loan statements and account management features. 
Service Disruption : Reported system refresh in XXXX [ XXXX ] exacerbated access issues, with over a month 's delay in resolution. 
Recurring Lockouts : Post-resolution, account access was again revoked, with current inability to log in despite multiple contacts with customer service. 
Financial Consequences : Missed a payment due to an inaccessible account, leading to unjust late fees, account foreclosure, and over {$1400.00} in legal fees to rectify the situation. 
Inadequate Customer Support : Multiple interactions with representatives, including XXXX XXXX and XXXX XXXX, yielded incorrect information and no resolution. 
Impact and Request for Action : The aforementioned issues have not only resulted in financial loss but also considerable distress. The inability to access my own account feels akin to being held hostage for my own loans. The resultant foreclosure and late fees, coupled with legal expenses incurred to bring my account current, are both unjust and unnecessary. 

Therefore, I seek the following resolutions : Immediate rectification of account access issues.

Full reimbursement of all late fees and legal expenses incurred due to this mismanagement.

Assistance in transferring my mortgage to a more reliable servicer.

Formal acknowledgment and rectification of the customer service deficiencies.

Enclosed are detailed records of all correspondence, calls, and interactions with Selene Finance representatives, documenting the chronology of events and failed resolution attempts.

I trust that you will take this complaint seriously and act promptly to address these grievances. The financial and emotional toll of this experience has been significant, and immediate action is imperative. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Federal student loans were serviced by XXXX. As a XXXX  employee, I requested loan forgiveness. The Department of Education informed me that my loans were being transferred because XXXX does not handle forgiveness for XXXX  employees. My loans were transferred to XXXX. XXXX stopped reporting to my credit files XX/XX/XXXX when the transfer occurred. However, I was then showing duplicate balances from both XXXX  ( because they didnt remove the file ) and XXXX for an inaccurate balance of almost XXXX XXXXXXXX combined. I sent Equifax the forgiveness letter from XXXX and the screenshot from the department of education. Equifax allegedly completed their investigation and reported that XXXX verified the debt and that my last payment was XXXX XXXX  XXXX. I have not paid on this loan since XXXX or earlier. In addition, when I go to XXXX site to verify balances to send to Equifax, it could not locate account under my social security number and date of birth. Additionally, I called them and when I was promoted to enter my information the phone system could also not find an account with my social security number and date of birth. I believe that Equifax failed to verify the account as requested through the dispute process and instead entered false information give. The fact that my efforts could not even locate an account with the former loan servicer. Equifax did remove the XXXX loan, but not the XXXX XXXX  accounts. This gross error is resulting in my ability to qualify for the purchase of my family home that is currently for sale and if not fixed timely. I have initiated another dispute through Equifax.I asked Equifax for proof that XXXX  provided this information and they stated it was against their guidelines which didnt make sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check of {$79000.00} from my personal check of XXXX  XXXX XXXX ( XXXX  ) to my XXXX account on XX/XX/XXXX. As I needed the money by XX/XX/XXXX, I asked whether it would be available in this Chase account by the date ( XX/XX/XXXX ) at a Chase bank branch, and a Chase associate said " yes '' after talking with the branch manager once I could show the balance was available by using my BOA app on next day ( XX/XX/XXXX ) ( I specifically told that I would not deposit my check if it's not available by XX/XX/XXXX ). I came to the branch on XX/XX/XXXX and showed the XXXX  app to one of the Chase associates. She said she would call me once the holding is released. I got a call in the afternoon on XX/XX/XXXX and the associate told me that the money would not be available until XX/XX/XXXX. I revisited the branch and talked with the branch manager. She told me that it happened as my account was new ( less than 60 days ). However, it's already over 60 days, and my account can't be classified as a new account. She also explained that it could happen even to customers having millions in his/her accounts or long-time customers of Chase. ( I have been a customer of Chase since XXXX, more than 20 years, but probably I'm not qualified as a long-time customer ) She took a picture of the cleared BOA check from my BOA app, and she told me that she would try to release the holding. No contact from the branch manager since then. I called Chase customer service on XX/XX/XXXX and talked in a three-way conference call among Chase, XXXX, and myself to verify that XXXX  already cleared my check from the BOA side and it is Chase bank that is not releasing my money to my account. ( The 3-way conference call was initiated by the Chase associate ) Chase associate told me that the money would be available soon on XX/XX/XXXX. Nothing happened and no contact from Chase Bank since then. I sent emails twice to Chase, and the reply asked me to contact another Chase phone number to release the holding. I called today, but no resolution yet. I have my personal Chase account since XXXX and the XXXX  account since XXXX. Can XXXX hold my check for 10 days in this case? They told me that it was holding as it was my first deposit of a check. I don't think that could be one of the reasons according to the Expedited Funds Availability Act ( EFAA ). I'm wondering how much the bank can use free money for its profit by using this type of tactic if I'm not the only one in this situation. I lost my interest from XXXX, and can't use the money for my business for 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely UPDATED : 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 XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX OF XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  SERV Account Number : XXXX XXXX  XXXX BANK XXXX Account Number XXXX XXXX XXXX COLL Account Number : XXXX XXXX CREDIT XXXX Account Number : XXXX**************** XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section XXXX States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate. 

15 U.S.C. 1681c ( a ) ( XXXX ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for the loan forgiveness plan ( XXXX  ). I submitted all required information. 
I received a letter from MOHELA stating that I have one final payment. 
( XXXX XXXX ). Recently, I received a letter from MOHELA with a payment plan for 12 months. ( XXXX, XXXX  ) MOHELA is not abiding by the letter that they sent me regarding XXXX final payment..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
CXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX  XXXX Balance : {$790.00}

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