BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-27
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent Experian a letter ( letter attached ) requesting the investigation procedure for several different items which are listed in the attached letter and below. Experian received this letter on XXXX/XXXX/2015 ( delivery confirmation attached ). It has now passed the 15 day time limit for them to have provided the procedure. They are now in NON COMPLIANCE. Please see FCRA laws below. 
Items requested for Investigation Procedure:XXXX. XXXX Collections Account # : XXXX. XXXX Collections Account # : XXXX. XXXX Collections Account # : XXXX. XXXX Collections Account # : XXXX. XXXX XXXX XXXX Account # : XXXXAccording to FCRA XXXX XXXX XXXX XXXX sub-paragraph ( a ) ( XXXX ) : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

Noncompliance- FCRA XXXX XXXX XXXX XXXX Sub-paragraph ( a ) XXXX ( A ) : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23
Company: Spring Oaks Capital, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, spring oak capital try to collect a debt thats not owe by me ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I have been trying to streamline refinance since mid-XXXX. We finally received a denial letter on XX/XX/2020, which is much longer than the 30 day decision we are entitled to as consumers. ( The denial was due to poor credit performance with our lender ; however, weve never missed a payment. ) Also, during this time, we have been paying a mortgage that we were hoping to refinance. Thus, we have been losing money by paying the higher mortgage while we were engaging in this almost year long streamline refinancing process.

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 2016-09-13
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I do not have a credit report on the credit bureau. I do not have a credit score and I have a mortgage that is not listed on my credit report, but is on my son 's. My house was purchased in XXXX and his house was n't purchased until 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 2022-04-19
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2022, I received a bill from Ally Auto Financial stating that I owe {$630.00}. When I receive a bill I normally remit the coupon and send it back but also when I look at my contract I notice there's no relationship between me and Ally. The contract is between XXXX and Ally. After I remit the bill and send it back to Ally the refused to accept the remittance coupon unless they are made in certified funds such as a cashier 's check, money order or payment through a third party such as XXXX XXXX or money gram. I sent a Conditional Acceptance stating the laws on what are certified funds according to XXXX XXXX. They restricted my account & marked it as fraud. According to the laws when they refuse the remittance coupon that is considered a discharge to the extent of the mount of the tender of the obligation. I received notice on my Credit Report that there are 2 late payments. Which I never gave them permission to report my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Synchrony bank is reporting an account as charged off and verified the account as accurate on a recent dispute with all 3 CRA 's. They have FAILED to provide me with the following : PROOF THE ACCOUNT IS MINE MY SIGNATURE ON ORIGINAL CREDIT CARD APPLICATION ORIGINAL TERMS OF THE ACCOUNTS SYNCB/XXXX XXXX SYNCBXXXX XXXX  I can not get a live person on the phone with the company yet they verify fraudulent information. See attached results from 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 2015-05-13
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I pull up my credit report and noticed inaccurate information. I immediately disputer the account and Experian came back with verified. when I called the company XXXX to verified the accounts, they gave me a lot of running around for a year. I went back to Experian and ask them to provide me with verification that they got from the company and they were not able to. its been over 2 yrs dealing with the company and XXXX and I am not getting any were.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: NJ
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:
ONLY NAME THAT SHOULD APPEAR : XXXX XXXX Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Incorrect information : Most Recent Employer Employer Name XXXX XXXX XXXX Previous Employer Employer Name XXXX XXXX XXXXIn addition : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX *** duplicate inquiries : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights XXXX15 U.S. Code 1681s602a-Section 1- I have the right to privacy -15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission

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 2015-11-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
For the past three years I have pleaded with the top XXXX CRA to correct the record. Derogortory Information on my credit report is both FALSE and/or dated 15 to 20 years ago. I have not been able to obtain a credit card for over 15 years because of this. What 's worst, credit collection agencies are now filing judgements XX/XX/XXXX and XX/XX/XXXX for disputed items dating back 16 years. People who work as public and or government agencies are being targeted as easy targets. Many times it 's easier to simply give in to the false XXXX dollar judgement than fight and retain an attorney at a much higher cost. This happened numerous times. The new weapon by collection agencies in XXXX is the XXXX XXXX. They strong arm public employees and abuse their office. The CFPB needs to step in and sanction the reporting agencies and heavy fine the abusive collection agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX Mortgage is attempting debt collection activity on an account with a zero balance. They have consistently reported incorrect balances, history and status of this account to the credit bureaus. On the XXXX report the balances indicated zero balances. However, on the Experian and XXXX report it reflects amount past due exceeding {$100000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Reving my credit score I see some things that I do now that will need to dispute on my Credit XXXX is from XXXX I paid my bill on time every month XXXX day the sent me a XXXX bills said the meter was read wrong trying to get me pay all XXXX bills plus my monthly because XXXX meter was read wrong and they admit it was there fault. Also XXXX other items was XXXX apartments I stayed in was XXXX for both I was on XXXX. they saying I did n't pay info was incorrect if I did n't pay I would n't have effected and would n't been still on the program.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
At XXXX a.m. on XX/XX/2021, my attempted {$490.00} purchase ( trying to load a reloadable Incomm product : XXXX Serve ) with my {$490.00} XXXX XXXX XXXX  card ( another Incomm product ) ending in XXXX, at XXXX XXXX in XXXX XXXX, XXXX, didnt process correctly after my card swipe, and the transaction was voided. To receive my refund the store manager, XXXX XXXX, told me to contact her after she had looked into it and consulted with another manager. In our subsequent conversation XXXX XXXX told me the transaction had been voided by XXXX XXXX, the store did not have a {$490.00} surplus from the aborted transaction, and the {$490.00} should be back on my ( XXXX ) prepaid XXXX card in several business days. 

Because the funds hadnt been credited back to my prepaid card, on XXXX XXXX, XXXX, I submitted a dispute form provided by Incomm Inc., so the {$490.00} taken from my XXXX XXXX XXXX  card can be refunded. ( I had been out of town for nearly a month, delaying my attention to this ). Incomm states disputes are resolved within 90 days, but after 90 days I hadn't received my money or a status update. I emailed twice in late XXXX to follow up ( see : attachments ) but didn't receive a reply from Incomm either time. I am eager to receive my {$490.00} back to be made whole again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: JPMORGAN CHASE & CO.
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had called Chase to report a lost/stolen credit card on XX/XX/XXXX as soon as I realized it went missing, unfortunately nobody got back to me until XX/XX/XXXX and by then there were 2 more transactions that were done on the account. Anyways Chase started their investigation after that and finally after almost 2 months of waiting they came back and said I was responsible for the transactions, even though I had reported the card lost/stolen and should not be liable for these transactions. The just sent me a letter without any documentation or anything as to why I should be liable for these transactions. This has never happened to me before and this is these second time its happening in the last 4 months, that Chase has denied my fraud claim ( s ) and is asking me to pay for purchases that I did not make. 
Here is the list XX/XX/2020 XXXX XXXX # XXXX XX/XX/2020 XXXX XXXX # XXXX XX/XX/2020 XXXX XXXX # XXXX XX/XX/2020 XXXX XXXX  XXXX  XX/XX/2020 XXXX XXXX XXXX   XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19
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  Account XXXX  acct # XXXX 30 day late payment, XXXX XXXX acct # XXXX 60 day late payment, XXXX XXXX acct # XXXX, XXXX XXXX acct # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. In additional, I have sent letters to 3 bureaus however I haven't receive any response from them. I am questioning the capabilities of the bureaus on their investigation. Please do something on this! 
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 2022-04-19
Company: EQUIFAX, INC.
State: CA
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:
My name is XXXX XXXX I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions 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  Account XXXX  acct # XXXX 30 day late payment, XXXX XXXX acct # XXXX 60 day late payment, XXXX XXXX acct # XXXX, XXXX XXXX acct # 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 an account without my written instructions.

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 2022-07-23
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Card ws hacked, unauthorized purchase, explained to Vanilla rep they said without gift card receipt I can't dispute it - card was a gift from elderly aunt, I don't have receipt and refuse to ask for one because she will fell terrible something wrong with card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello- I have previously disputed this item with Experian. We were the victims of XXXX and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX XXXX XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX XXXX. From there everything went downhill fast. We were told we had two miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account now ( XXXX XXXX XXXX ) should be deleted from my Experian credit report. XXXX XXXX XXXX changed names to XXXX XXXX XXXX. So the account on my credit report now shows up as 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 2016-07-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide 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 these 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 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 2022-07-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the following accounts with credit bureaus as I have no knowledge of them and they do not belong to me, but the accounts are still reporting : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX Credit Card account XXXX XXXX. XXXX XXXX Bank account XXXX XXXX. XXXX XXXX XXXX account 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 2016-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
We are sick and tired when our true and lawful Attorney-in-Fact XXXX OVERSEER AND SUCCESORS, A CORPORATION SOLE ( hereinafter " XXXX '' ) contacts BANK OF AMERICA , NATIONAL ASSOCIATION ( hereinafter " BANA '' ), and COUNTRYWIDE HOME LOANS, INC. D/B/A BANK OF AMERICA HOME LOANS ( hereinafter " CWHL '' ) at ( XXXX ) XXXX or ( XXXX ) XXXX about BANA and/or CWHL not complying with Federal Law when BANA and/or CWHL has never properly sent or shipped any " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN '' ( hereinafter " NOTICE '' ) ( open " First Attachment '' ), dated XXXX XXXX, XXXX, even though BANA and/or CWHL claims that the Creditor is not BOFA MERRILL LYNCH ASSET HOLDINGS, INC.? 

XXXX constantly calls BANA and/or CWHL to produce all new " NOTICES '' under Federal Law from the last time BANA or CWHL officially shipped a " NOTICE '' on XXXX XXXX, XXXX. BANA and/or CWHL employees, representative, agents, and managers give XXXX the runaround, BANA and/or CWHL never responds, calls, faxes, or emails XXXX. XXXX also gets numerous amounts of Reference Numbers, Request ID Numbers, and Case Numbers, that BANK and/or CWHL never, ever addresses or properly responds too. BANA and/or CWHL hopes XXXX goes away by constantly and intentionally ignoring XXXX 'S ongoing request for BANA and/or CWHL to produce all " NOTICES '' that took place from XXXX XXXX, XXXX to 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