BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-02
Company: DISCOVER BANK
State: PA
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: Problem with personal statement of dispute

Complaint:
There was a fraudulent credit card account opened in my name without my consent on XX/XX/2010. I dont know how it was opened, but Ill assume it probably was opened online. When I first noticed the credit card on my credit report in XX/XX/2010, I contacted both discover card and all three credit bureaus to file a dispute. I filled a police report with the XXXX Pa, Police department. I sent discover card and all three credit bureaus copies of the police report. I ask them all to remove that fraudulent account off my report immediately. I also ask discover card to provide me with proof as to how was the card opened without my consent/ signature. They never was able to provide me with that information. They did put in a dispute on my behalf and said the results was that it was my account anyway. The only credit bureau that removed it from my credit report was XXXX. Ive been disputing this with XXXX and XXXX ever since.. and its still on my report. Ive ask XXXX  and XXXX to send me information on how did they determine that XXXX and XXXX proved that the account belongs to me. They never sent me that information, because they dont have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions 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 am XXXX XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$590.00} XXXXXXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00}

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
Consumer complaint received 2017-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
There are unauthorized charges to my debit card in excess of {$300.00} posted on XXXX/XXXX/2017. I went through all the proper channels to resolve this dispute as it is Bank of America 's statement that a customer is never responsible for unauthorized charges made to their bank card. My claim was denied THREE times. They sped through a myriad of reasons on why they denied my claim that are all based on speculative " evidence. '' I felt like I was being treated like a criminal when I 'm the victim of fraud. One reason for denial was that the signature was similar to the one signed on the fraudulent purchase. The only problem is that on the back of all their cards, it clearly states that the card is not valid or authorized until signed. As a result, ANYBODY can glance at the back and forge a signature so that evidence just throws itself out the window. Another reason for denial was that I did n't report it in a speedy manner. This one makes me cringe. As per Bank of America 's directions, they advise to wait till the bogus transaction posts, contact the company FIRST AND THEN contact the bank if there is no resolution ; I did just that in a timely fashion. So again, this denial reason is ludicrous. This joke of an investigation is criminal and so are the practices of this bank. They have denied my claims before and are rarely, if ever, on my side. But this time, I 've had enough being stepped on and bullied. The so-called investigators have Bank of America 's interest in mind and are n't concerned to whether or not there is actual PROOF, their job is to deny claims and save and generate money for the bank in a bureaucratic fashion. This is a conflict of interest. The letter that this bank has send me with their " proof '' is all speculative. And speculation never trumps real evidence. I BEGGED for video or photo evidence and was told they do n't do that. We are talking about a stadium that holds over 55,000 people and there is n't one camera around? So anybody can abuse my card, forge my signature and I have to pay for it? If I ca n't trust my bank to back me up, then who will? This is truly disturbing. I need help to rectify this situation please. No one can or wants to help me!

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 2020-08-19
Company: EQUIFAX, INC.
State: NY
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 check my credit report and notice some things that shows inaccurate information. These accounts are stopping me from getting a loan approval. The account listed below should be deleted on my Credit report. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Would appreciate you helping me here. Thank you. 



DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX DEPTEDXXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Peer Advisors, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I have an emergency in that I have to have XXXX and will be in XXXX and XXXX for at least 2 months. I have a reverse mortgage and HUD has a hold on my mortgage money until XX/XX/XXXX. I need some money released for the XXXX and food and someone to take care of me as I am alone with no husband or relatives. This is a shame, it is my money and I will be in bad shape unless they release at least {$1000.00} to help me until XX/XX/XXXX. 

Ca n't someone do something, even if I have to pay a penalty fee or something. I do n't know what to do. 

My loan is with XXXX and they are very hard to deal with and hold the money until the last minute when they do release anything. Loan number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: PMAB,LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PMAB , LLC has been adding new debt to my credit for over 6 years. They have taken debt off and added new when it has expired over the statue of Limitations. The original debt on the amount of {$780.00} has been disputed and has not been removed -Insurance was sent as proof and nothing has been done about this.

I had insurance to pay for this old ER visit and need this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We found our dream home in XXXX XXXX, Florida after countless years of savings. On XX/XX/XXXX at XXXX PM, our dream turned into a nightmare. I sent a wire from my Chase account ending in XXXX in the amount of {$170000.00}. The receipt of these monies defrauded me into sending these monies to them and I would like these funds to be returned to me. The recipient posed as my closing agent in a real estate transaction, and I was tricked into sending these funds to them. The recipients account is a JPMorgan Chase Bank Account and at minimum these funds should be frozen, until further research is completed. 

I have filed a complaint with the XXXX XXXX Police Department, XXXX XXXX and FBI. We have also opened a case with Chase ( XXXX # XXXX ). I urge you to conduct an investigation, so these monies can be returned to me. At a at minimum please place a hold on the recipients account as this is a FRADULENT MATTER. The loss of hpes and dreams can be incredibly hard to accept and cope with. Hard earned money You can reach me anytime at ( XXXX ) XXXX. I eagerly await your call. You can also email me at XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Rushmore Loan Management is trying to collect on a debt that does n't exist. Rushmore has illegally put my mortgage loan in default since receiving my loan in XXXX XXXX. I 'm providing my final and last mortgage statement prior to the transfer. Rushmore has the principle balance wrong. I also had unapplied funds which they have n't applied to the principle on my loan. In fact, the funds have disappeared. 

I want Rushmore to correct the principle balance and take my loan out of default. There have been significant violations of the Fair Credit Reporting Act. They should be fined for not having the correct principle balance and trying to collect on a debt that does n't exist. Also, the unapplied funds need to be applied toward the principle on the loan. 

I 'm attaching XXXX XXXX final mortgage statement prior to transfer. The XXXX XXXX XXXX mortgage statements shows the correct principle balance and it also shows it was current at time of transfer. You 'll notice, there are n't any late fees or any unpaid balances. 
I 'm also attaching Rushmore 's payment history which was provided to me in XXXX XXXX. This is Rushmore 's own data records. I marked all the payments that Rushmore received. There are NO missing payments. In fact, it shows they have the wrong principle balance from the start. It also shows they have assessed 2 false late charges. It also shows that they never applied my unapplied funds from XXXX XXXXXXXX XXXX. The only payments that Rushmore 's payment history does n't show are the XXXX and XXXX payments. The proof of payments are included. 

Please also see the most recent Rushmore mortgage statement for XXXX XXXX. The XXXX payment is the only payment due but they are reporting on their statement that they have n't received the XXXX XXXX payment but, they have received it. 

I 've attached the XXXX and XXXX XXXX payments and the signed receipt of when Rushmore received my payments. Once again, they lied saying I was late with payments when they signed for my payments prior to the XXXX of the month. 

I 've also attached the XXXX tax mortgage statement form. This is also Rushmore 's document. Please note, they had my loan in default from the onset of receiving my loan because they have noted " property preservation " fees since XXXX XXXX. Property preservation fees are only applied when a loan is in default and in foreclosure. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX  Acoount # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX These items are in violation of 5 USC 1681 Section 602 A right to privacy 15 USC 1681 Section 604 sec. 2 written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Jvs group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I sent a letter form to JVS Group requesting information about a debt that was on my credit report for {$350.00} from XXXX XXXX XXXX I was not aware of and explained how I was involved with this agency. I requested information regarding the alleged charges, who authorized them to collect, amount allegedly owed by me and proof of my agreement to pay this bill due. I ask for the debt to be validated with a copy of an agreement showing my signature where I agreed to pay this bill. I did not receive the requested information in their response I received on XX/XX/XXXX to this date of writing. However I did receive a very rude and obnoxious letter from them telling me not to send them my form letter again! and will honor my request for information which they did NOT do. I have not received the information that I requested from them within the 30 days required by law. I will attach the letter I received from this company along with this complaint. I requested what is within my legal rights and per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that validation of the account is required. What I received was a single sheet of paper ( attached ) with notations showing an amount, date, and my name. This is NOT validation that I owe a debt. Attached is the original form letter I sent requesting information also as I am not a lawyer and wanted the letter to be as correct in what I was requesting. All I got back was their FORM letter saying they are sending me the requested information, and did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2013 Ocwen Loan Servicing put our 2nd mortgage in charge off status based on the declining value of the our home. The problem is that the value of our property was never in decline. In fact the value of our property has steadily increase since we have owned our home. The charge off negatively effected our credit and put our 2nd mortgage in a delinquent status. The mortgage loan # is XXXX.

There was absolutely no justified reason for Ocwen to put our 2nd mortgage in charge off status. Our home is well maintained and we take pride in the appearance and condition of our property.

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 2021-04-22
Company: EQUIFAX, INC.
State: TN
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:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following accounts and remove them. I attached copies of my annual credit reports of all major bureaus so you can find wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I requested an investigation into some items on my credit report that did not look accurate. At that time I requested the method of verification used to determine these account were accurate. I waited the XXXX days, but did not receive the documents as requested. I did receive a notification that some items had been verified, but was not provided the details or the documents used to verify. 

I requested a re-investigation on XX/XX/2022, and I received the same results.

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 2021-08-28
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2021, I sent you a letter regarding inaccurate things on my credit report on but to this day more than 45 days have passed, but I still got no response from you nor the negative items were deleted. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will take legal action due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: EQUIFAX, INC.
State: AL
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:
For the past, several months I have requested Equifax and XXXX XXXX to make the correction on my credit report one to remove a repossession that should not be there and to remove a wrong social security number ending in XXXX. This is not my legal number. The several times that I have talked with XXXX Relations- he keeps stating XXXX XXXX this SS # is related to the account and when we ran the number your name came up, and that he had proven. When I asked him to send me a copy of that he refused stating that it was private information. 
After checking more into the matter : I purchased the car from XXXX on XX/XX/XXXX on a contract that was not signed by me. A XXXX employee forged my name on the contract. 
XXXX started that I was behind in my payments the month of XX/XX/XXXX thru the month of XX/XX/XXXX. XXXX has always had the SS # as XXXX and refused to talk with me several occasions because I did not have the right number. 
Per my credit report : On XX/XX/XXXX, my SS # was reported on my report. When XX/XX/XXXX reported late payments or days behind they are the ones that put the way SS # on my report and now are trying to say that I have to SS # Other Identification Date Reported Type Code Identification Number ReasonXX/XX/XXXX Social Security Number xxxxx XXXX Variation XXXX was forged my signature, the wrong SS # violated numerous rules and laws This SS # XXXX was never on my credit report until XX/XX/XXXX unit XXXX XXXX reported it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: DriveTime
State: AL
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:
For the past, several months I have requested XXXX and Drive Time to make the correction on my credit report one to remove a repossession that should not be there and to remove a wrong social security number ending in XXXX. This is not my legal number. The several times that I have talked with DT Relations- he keeps stating XXXX XXXX this SS # is related to the account and when we ran the number your name came up, and that he had proven. When I asked him to send me a copy of that he refused stating that it was private information. 
After checking more into the matter : I purchased the car from DT on XX/XX/XXXX on a contract that was not signed by me. A DT employee forged my name on the contract. 
DT started that I was behind in my payments the month of XX/XX/XXXX thru the month of XX/XX/XXXX. DT has always had the SS # as XXXX and refused to talk with me several occasions because I did not have the right number. 
Per my credit report : On XX/XX/XXXX, my SS # was reported on my report. When drive time  reported late payments or days behind they are the ones that put the way SS # on my report and now are trying to say that I have to SS # Other Identification Date Reported Type Code Identification Number Reason XX/XX/XXXX Social Security Number xxxxx XXXX Variation DT was forged my signature, the wrong SS # violated numerous rules and laws This SS # XXXX was never on my credit report until XX/XX/XXXX unit Drive Time reported it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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