BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: GA
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:
I have been working on my Experian credit profile and I noticed there are incorrect addresses and a name on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT name that should be deleted is XXXX XXXX XXXX. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX, GA XXXX XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-07-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Dear CFPB, I am writing to report a possible deceptive practice by Chase Credit Card, which I recently encountered while using their services. 

Today, I attempted to set up a Pay Over Time option but was unsuccessful. However, upon reviewing my transactions, I noticed a separate transaction from XXXX XXXX for {$340.00} on XX/XX/2023, which was successfully set up as a 9-month installment plan with monthly payments of {$38.00} on XX/XX/XXXX. I have the email evidence to support this. 

The issue is that I do not owe this amount as the merchant had already refunded the {$340.00} on XX/XX/2023. Despite the refund, the balance still reflects this payment, even after successfully setting up the installment plan on XX/XX/XXXX. The banks explanation is that I can set up the plan like this, but I find it an inadequate justification. 

It is evident that if someone were to forget about the refund from three months ago or have cognitive difficulties like XXXX, they might end up making the payment. In this case, Chase would profit {$340.00} from this apparent mismanagement. 

I am concerned that this could be a deliberate trap or, at the very least, a mismanagement issue. Regardless of the reason, if such misconduct is proven, it should be subject to regulation. 

I request your intervention and supervision in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
SPS has not proven the loan was assigned to them by XXXX XXXX  nor that they have any interest in a loan taken out in XXXX and sold to XXXX XXXX. The accounting is wrong and does not correspond to our loan. 

We dispute any and all statements from SPS since they are attempting to collect on a Zombie loan as stated in Regulation F FDCPA. WASHINGTON, D.C. Today, the Consumer Financial Protection Bureau ( CFPB ) issued guidance on debt collectors, covered by the Fair Debt Collection Practices Act, threatening to foreclose on homes with mortgages past the statute of limitations. The advisory opinion clarifies that a covered debt collector who brings or threatens to bring a state court foreclosure action to collect a time-barred mortgage debt may violate the Fair Debt Collection Practices Act and its implementing regulation. A time-barred debt is one whose statute of limitations has expired. The CFPB is issuing todays advisory opinion in light of a series of actions by debt collectors attempting to foreclose on silent second mortgages, also known as zombie mortgages, that consumers thought were satisfied long ago and that may be unenforceable in court.

Some debt collectors, who sat silent for a decade, are now pursuing homeowners on zombie mortgages inflated with interest and fees, said CFPB Director XXXX XXXX. We are making clear that threatening to sue to collect on expired zombie mortgage debt is illegal. 

Leading up to the XXXX financial crisis, many lenders relied on predatory practices to lock homebuyers into mortgages they could not repay. In the case of todays advisory opinion, the CFPB is focusing on piggyback mortgages. Generally, this piggyback mortgage product, known as an XX/XX/XXXX loan, involved a first lien loan for 80 % of the value of the home and a second lien loan for the remaining 20 % of the homes valuation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital One closed my account and is holding funds even though they stated in their account closure email that they would release those funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX : # XXXXXXXX XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-02-10
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient has NOT been able to provide proof of my physical signatures on loans that claim that I am a co-borrower. My brother, XXXX XXXX, is the borrower. 

Since Navient is unable to provide my physical signatures, it is clearly unlawful to have me on these private student loans that were taken out to attend the corrupt and now closed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Moreover, Navient loan numbers : XXXX only show my name typed into the blanks for the co-borrower and that is not proof that I signed those private student loans. 

I have contacted my Attorney to prepare for next steps to explore litigation against Navient and plan to contact North Carolina State Attorney General 's office in the coming days to file a complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: AL
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:
XX/XX/XXXX -- - ; I received a letter from XXXX stating effective XX/XX/XXXX ALL of my student loans had been forgiven ; now loans have a XXXX balance therefore status on any of my credit reports should now be this US Dept of EduXXXX XXXX student balance now XXXX ; Status/Remarks should now be Paid. Closed. I have disputed this item several times with Experian with no corrective results. ( I have attached copy of the letter stating effective XX/XX/XXXX ALL of my student loans have been forgiven. I previously provided Experian with a letter dated XX/XX/XXXX advising these student loans would be forgiven in 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 2023-06-15
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 one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXXXXXX 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 2023-07-17
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began the loan Assumptions process with my current mortgage lender, Dovenmuehle back in XX/XX/XXXX post divorce. I submitted all required documents in XX/XX/XXXX and told the entire process takes about 6 months total. As of today, XX/XX/XXXX, I have inquired multiple times as to the status of my loan. I am getting responses that my requests are being escalated to the underwriter but the underwriter doesn't seem to be working my file. I am growing exceedingly frustrated as I would like to know if I am approved or not. I have been responsive and timely. Dovenmuehle has not and continues to delay my loan for small things like me failing to write in my loan number on the loan application in an area that clearly states to be completed by the lender. I fear they do not have the competence to complete my request nor the courtesy of keeping me informed along the way. I am beyond frustrated and would appreciate an answer within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experean incorrectly lowered my credit score from XXXX in late XXXX to XXXX during XXXX of XXXX because XXXX XXXX  incorrectly reported to them that I had a delinquent overdue fee on my credit card with XXXX XXXX. But that is all incorrect! As XXXX XXXX can testify, there was NEVER a delinquent nor overdue charge EVER on my credit card with XXXX XXXX! As documented in XXXX case number XXXX of my account number XXXX it was always XXXX XXXX XXXX mistake to report incorrect information to Experian, and there was never a delinquent nor overdue status on my account. XXXX XXXX has fixed the mistake, but Experian continues to report a " late payment '' on my credit report and reduce my credit score by XXXX points when it should have never been lowered below the XXXX level that it was in early XX/XX/XXXX. So Experian should remove any history of " late payment '' and return my credit score to near 790, because there have been NO LEGITIMATE COMPLAINTS against my credit since it was XXXX in late 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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$830.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX Balance : {$1100.00} ; 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 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 2023-01-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In XXXX I disputed online with all 3 CRA that XXXX XXXX was violating my rights by reporting the car loan as 120 - 150 days late. When XXXX hit my daughter called XXXX XXXX to see if they had a program to assist with payments. I am joint owner of vehicle so its on both of our credit reports. I listened in on the call and my daughter was told they would accept half payments each month and would not report our account as late. Payments were made as best as possible being that she wasnt working not getting consistent Unemployment benefits and I was considered an Essential Employee and my pay had to take care of XXXX adults and XXXX kids.Once XXXX  rules were relaxed they immediately reported the payments they agreed to as late and put that on our credit report every month bringing our scores down further and further. The 3 CRA said they verified it as accurate. I dont think these big companies should be able to take advantage of regular old working folks and renige on an agreement and give you no fighting chance. 
I filed my disputes online so XXXX cant upload anything.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: GA
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:
You continue to report that this account was XXXX due to bankruptcy and that is incorrect. I have also included the letter from XXXX XXXX XXXX that the account is paid in full and not in a bankruptcy status. Please update this immediately as you have caused me to lose out of several mortgages. I have never filed for bankruptcy yet you continue to claim you have confirmed this with XXXX XXXX XXXX when you have not. I have called and talked to them personally and they have also sent a letter that I have included. 


XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status XXXX through Bankruptcy XXXX  XXXX. 
Status updated XX/XX/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 2023-02-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 I received a call from USAA stating that there had been an account takeover/data breach on my checking account. The bank stated that the new debit card I had ordered had been rerouted to a Florida address and whoever got it caused a data breach on my account. After getting into my account they found another checking account from another bank that had been linked to my account. They pulled XXXX from that account and tried to deposit it into my account so they could have access to it. USAA caught this amount of XXXX and called and said there was an account takeover or data breach on my account and they were sending it to the fraud department on that day XX/XX/2022 and that the funds would be deposited back to the original account within 3-5 days. I have called them every week since that date and I get the same response the fraud department is working on it and the funds will be refunded within 3-5 days. So far they have not refunded the amount. USAA never sent any correspondence or assigned a case number to this case

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My requests for proper verification and the removal of the bogus information on my credit reports have been disregarded despite the numerous written letters I have given to the three credit bureaus. I last wrote to the credit bureaus XXXX, XXXX, and TransUnion on XX/XX/XXXX, but I never heard back from them. It is evident from a copy of my most recent credit report that the credit bureaus disregarded my requests. The Fair Credit Reporting Act, 15 USC Section 1681i, specifies that it is not authorized to continue reporting unverified information without any supporting documentation during the time frame permitted by law. Their willful non-compliance has violated this provision. My credit score has significantly decreased as a result of the fraudulent information that is still being reported on my credit report. I'm hoping you can help me out and get these things removed as soon as you can : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX. I have read enough to understand my rights and it is clear that you are trying to violated my Consumer Rights to save your own skins. Under the Fair Credit Reporting Act section 605b, I am requesting that you remove the disputed accounts and information off of my Credit File as soon as possible.

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 2023-06-15
Company: Experian Information Solutions Inc.
State: AZ
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 called your department after I purchased a credit report with XXXX XXXX XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a negative that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ) I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill statement, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

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 explanation