BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: EQUIFAX, INC.
State: MD
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:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: CO
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-02
Company: Green Trust Cash, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Loan originated on XXXX XXXX, 2017 for {$700.00}, loan # XXXX. The payments that have been made thus far : {$140.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 {$50.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 Total amount paid {$1000.00} When I sent an email around XXXX/XXXX/2017 requesting to make payment arrangements, I was told that I had several more payments remaining. I personally feel that with the payments I have made to date, this loan should be considered as paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
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: Old information reappears or never goes away

Complaint:
This account with XXXX was removed from experian for XXXXmonths and recently was reinserted without any notification I waited a month and I was n't giving any notification and experian still have n't remove the account under FRCA an account can not be reinserted without giving five to 15days motivation

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 2022-07-19
Company: Experian Information Solutions Inc.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 explanation
Consumer complaint received 2015-05-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015 I opened a personal checking account with Chase bank located at XXXX XXXX in XXXX, NY. The account was opened with approximately {$1100.00} dollars. I was told that my card would be delivered by Mail. When I received my card I could activate it at any ATM or by calling the XXXX number on the back. I tried XXXX and neither would activate the card. Today ( XXXX XXXX ) I went into the bank with my card in hand to activate it. The teller told me that I would need to speak with a banking specialist. The specialist made a few calls and then told me that after the branch had decided to take my money and open my account that they no longer were interested in doing business with me. No reason why was given. I was told that I will be receiving a letter in the mail with a check in the amount of my initial deposit in XXXX to 3 weeks. As far as I am concerned, you do n't want my business that is fine. Give me my money back and I 'll take my business elsewhere. I should n't have to wait for my money. Basically, they stole my money and do not have enough laying around to pay me at the moment. This is nothing more than a corporation stealing my money and telling me you will get your money back at our convienance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
I write to request that a 60 day plus late payment notice on my credit report be removed by Bank of America ( BOA ) ; my credit report via XXXX shows this as a " potentially negative '' item.This is the only negative item on my credit report. 

In the fall of 2020, I had stopped regularly using the BOA credit card and did not charge no known expenses. However, an annual subscription ( which I thought I had cancelled ) renewed without my knowledge in XX/XX/2020. 

At the same time, I was in the midst of moving to a new home during the pandemic and was not aware of this unknown charge or that BOA was expecting payment. As a result, I missed a payment on my BOA card for the first time in seven years. 

Considering the above facts and circumstances, I request that BOA remove the negative 60 day late notice with all major credit bureaus.

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 2017-09-02
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo loan number # XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ON XX/XX/XXXX Wells Fargo Home preservation Specialist refuses to grant my request to file an Home Affordable Modification application, additionally specialist informed me that I was to close to the foreclosure sell, I also ask for my entire file regarding loan modification file that was submitted in XX/XX/XXXX, that was decline, and then representative transfer me over to personnel that was unwilling to resolve my request, No representative was willing help me regarding prior years invoices from the dates of ; XX/XX/XXXX to present, I was not receiving my invoices therefore i am disputing amount that is unpaid which is : XX/XX/XXXX information regarding XX/XX/XXXX home preservation file is not accurate in which i was decline on wrongful income amount, after receiving this information i immediately contacted Wells Fargo Home preservationist officer and inform XXXX XXXX XXXX that information regarding income is not accurate yet XXXX XXXX informed me and my the Attorney that Wells Fargo bank will not proceed any further on loan modifications therefore placing us in foreclosure status. 
I ask the CFPB will correct Wells Fargo mismanagement of Government funding by not allowing consumers to apply for loan modification

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 2017-09-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had applied for a loan modification and while I was in the process XXXX XXXX XXXX was simultaneously foreclosing on me. Bayview will keep requesting for the same documents that i had sent to them back and forth and when they did no one will have a look at it. When I contacted them about the intent to file for final judgement that I had received from their attorney and that I wanted to respond, I was assured by the loan servicer XXXX XXXX not to worry because they 'll let their attorneys know that they 're working on a modification with me. Few weeks later I saw someone in front of my house taking pictures only to tell me that my house has been foreclosed. I contacted XXXX XXXX who was my asset manager to let him know what was happening. He told me not to worry because I was in the process of modification so they 'll reverse it. When he tried to get his manager XXXX XXXX to approve the modification he refused. I contacted XXXX XXXX who is the investor on the loan. They told me to contact Bayview and have them modify the loan and rescind the foreclosure. I contacted the Bayview manager XXXX XXXX who was very rude and nasty to me, and he told me there 's nothing they can do since they 've already foreclosed. I told him that i had spoken with XXXX  ID # XXXX from XXXX XXXX and had told me to tell him to modify the loan, have the foreclosure rescinded and notify XXXX XXXX but he refused to even listen to me and hanged up on my. I contacted XXXX XXXX and they told me they were launching an investigation. They assigned my case to a XXXX who was supposed to look into it. Every other day I called to get the status of my case and she was never there to answer the call. I try to speak to a different person and they kept telling me XXXX is the person assigned to my case so she 's the best person to speak it. She finally called me back on the XX/XX/XXXX and told me she 's trying to get my loan modified and that I should give her few more days. Prior to that she had requested I fax her all the paper work and my modification application to her which I did. She also told me that she was able to track my email conversation and the documents that i had sent to bayview to modify my loan. She told me that all foreclosure activity was supposed to cease when i applied for a loan modification. She assured me that she 'll work on my behalf and get my loan modified. To my amazement I receive a notification from XXXX today that my house is being auctioned. I have being lied to and treated unfairly by both Bayview loan servicing and XXXX XXXX. My children and I are going to be homeless

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Called for someone never heard of, then threatened to hit my credit if i did n't help are pay them for someone else 's account!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: Firstsource Business Process Services, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Called for someone never heard of, then threatened to hit my credit if i did n't help are pay them for someone else 's account!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX 2017. I applied for a payday loan with Cash Central Community Choice financial. I was turned down, I do not even believe they submitted anything, they are Using correct information you applied on the Online computer system. It does not even seem to be correct. all this information is transmitted into a computer system to be used later, and it may hurt and it may hurt a person severely. I can see these people using it for that purpose. they do not intend to give anyone a loan they are just getting all the information up they can to hurt someone later on. they mere intentions are to be on your credit score for publicity Only. No intentions of giving any one a loan just like previous company does. I did not want to apply online but they said they information was secured and it would be alright. I have been turned down for so many payday loans here in XXXX tennessee. I am wondering are they using someone else information so they could have reasons to not approve my case. so I can get a loan. It is just ridiculous that these companies are doing this to people. the one 's who need it the most can not even apply. and get a loan through any of these companies anymore. I think they are using not verified information and turning all of Us down for no reasons at all.

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 2022-07-19
Company: EQUIFAX, INC.
State: KS
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 been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected by Equifax credit Bureau which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Hello, I have attempted three times to partner with Navient to open an investigation regarding the student loan assigned to my SSN. I just realized the school the Student Loan was drawn from I never attended. This entire time I thought this Student Loan was from my XXXX XXXX and its not. Navient has me flagged for a loan that I cant afford to pay each month as well as its not even my loan. 

So therefore, I would like an investigation on the Student Loan amount to be place on some type of hold until a solution is determined as its fraudulent. 
Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
To Whom It May Concern, I am consistently getting charge a paper statement fee on my business checking account. I worked with TD Bank customer service department to assist in removing these paper statement fees, whereby I keep on experiencing " website '' issues via TD Bank online. Every time I login, I received a message stating that website is under going maintenance issues. It is impossible to sign up for online statements. 

I believe that TD Bank purposely preventing its consumer from signing up for this option. Many of its customers will NOT stay on the phone for a representative ( 30 minutes or longer ). 

Consumer Financial Protection Bureau needs to investigate TD Bank whereby I strongly believe it violates federal consumer laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-07
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Barclays did not process my extension for COVID19/Coronavirus Relief when I spoke to them in XX/XX/2020. 

On XX/XX/2020, I called Barclays to make a payment and request an extension to the COVID19/Coronavirus Relief which expired in XX/XX/2020. I explained that XXXX XXXX  / workload halted when the pandemic hit, and we have not seen any type of increase since the pandemic began. Also, I told them we would struggle to make our payments for the next few months. I was advised by the Barclays representative that I would receive a three-month extension to the COVID19 Relief program ( forbearance ), through XX/XX/2020. The representative ensured me that she signed me up for three more deferred/skipped payment and my next payment would not be due until my XX/XX/2020 statement. 

I did not receive any statements in the mail for the months of XXXX and XXXX. Also, I noticed a change on my credit report with my Barclays account showing as 30-days past due. Once they reset copies of my statements, I saw that Barclays had charged me late fees AND over the limit fees during the time that my account was supposed to be under Relief.

The Barclays website is still showing they are offering COVID19 Relief ( see attached ). I have called Barclays three times since the credit reporting change and they have made no effort to correct their error and uphold to their original promise of extending the Relief.  The first time I called was on XX/XX/2020 ; I spoke to XXXX and was told to send in a dispute to the credit bureau. She did waive the late fees for XXXX and XXXX. I received a call from a Manager on XX/XX/2020 and when I explained the issue, she connected me to the collections department. I spoke to XXXX XXXX, he told me I could close the account, but offered no other options. I called back to discuss this matter and spoke to XXXX, she advised that I enter into a debt management program. (!!! ) They are now trying to force me to pay all three months at once, including overlimt fees and other penalty charges. 

I have tried working with Barclays ; however, they have been unwilling to honor their original promise to extend the Relief and  correct my account history and credit report.

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 2022-08-15
Company: EQUIFAX, 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 would like to say there has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 want to submit a complaint about my credit report information that is questionable. I would like to dispute certain inaccurate information in my file which I believe is possibly an Identity theft. The information are listed below : 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