BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: TX
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: NV
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX : {$2400.00} ; XXXX XXXX  XXXX Balance : {$360.00} ; XXXX XXXX : {$2700.00} ; XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$4800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXXXXXX  QUALIFIED WRITTEN REQUEST, AGAIN XXXX In your response dated XX/XX/XXXXXXXX  you claim you reported my XXXX and XXXX payments late because you had purchased insurance so those payments were diverted and NOT applied my mortgage as per my aggrement with you from XXXX. 
You are fully aware that you Chase purchased insurance and on XX/XX/XXXX according to the Account Information you provided posted ( {$2200.00} ) page 11. 
Now after numerous letters, requests, QWR you refuse to correct those late payments you posted for XXXX and XX/XX/XXXX. 
You are fully aware that you violated the law by not doing any investigation. If you had you would have realized you Chase erroneously posted ( {$2200.00} ) on XX/XX/XXXX as I have filed many complaints through CFPB. 

BUT YOU CONTINUE TO IGNORE YOUR RESPONSIBILITY TO CORRECT THE ERRONEOUSLY POSTED ( {$2200.00} ) In addition the refund check you sent me in XXXX  for {$2200.00} to reimburse me for you error was taken by XXXX and I was denied the monies intended for me. 
Again you pretend your not aware of any errors continuing to violate the law. 
THIS IS A DEMAND TO REVERSE THE POSTING OF LATE PAYMENTS FOR XXXX AND XX/XX/XXXX. 
In addition I want you to admit the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments debited from my checking account for {$840.00} was received by your mortgage department. 
Detail in depth if you Chase instructed at any time in XXXX  to date to XXXX XXXX XXXX  or XXXX XXXX or any other servicer that you Chase did not receive {$840.00} on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I'm requesting an IN DEPTH EXPLAINATIN FROM YOU CHASE Admit the following statement is false : We have researched your XXXX  On XX/XX/XXXX, and XX/XX/XXXX, we sent you letters requesting proof of insurance coverage for your property. We didnt receive the requested information, so we purchased a homeowners insurance policy for you on XX/XX/XXXX. For your convenience, we are enclosing a copy of the letters. You were issued an insurance refund after we received proof of insurance. Our research has confirmed that you had a lapse in coverage from XX/XX/XXXX, Otherwise send the documentation that you have in your possession showing there was a lapse of coverage commencing on XXXX XXXX Late payments Chase why did you refund {$210.00} on XX/XX/XXXX Is it true that you once again erroneously charged XXXX for 5 late payments then once again realized your erroneous posting and tried to correct your continued erroneous postings. 
Isn't it true that you Chase by continued errors falsely claimed you did not receive mortgage payments for XXXX XXXX and XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i don't recognize this application please get removed from my 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 non-monetary relief
Consumer complaint received 2023-03-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this application please get this removed from my 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 non-monetary relief
Consumer complaint received 2023-03-29
Company: CAVALRY INVESTMENTS, LLC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
After paying timely on all payments I became permanently XXXX in a few years of owning the car. I knew I had XXXX insurance on the car or else I would have never bought it. I paid extra for that insurance. Instead they denied it... but fired the salesman who was caught frauding the customers. They had my car towed and gave me no paperwork of where my car was going or an Auction date. Plus, they know I have XXXX and my son is joint on my bank account. They have been stealing his money now for two years. After he deposits his state check for taking care of me they swipe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi. Im filing this complaint in reference to my loan that I reinstated and had a lot of outrageous charges. Since pandemic i struggled to make payments. I tried loan modification several times but SLS says they never got a complete package. The fees, attorney fees amount was extremely high for the reinstatement. Even though foreclosure never happened those fees are outrageous. I talked to a rep in XXXX and the amount to reinstate was $ XXXX, they attached alot of unnecessary fees to make it over {$17000.00}. Im requesting that SLS reduce all those unnecessary corporate fees, attorney fees and other fraudulent fees and credit that towards my principle balance or send me a check for the fraudulent charges that was added to my account. I borrowed over {$170000.00} from family member to reinstate my loan. None of that went to my principal balance because its still the same as it was when I fell behind due to the pandemic. after I made a XXXX payment. Those funds should have brought my principle down from what it was in XXXX of 2020. My balance is still the same.

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 2023-03-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL 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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX put us on a payment forbearance plan that started XX/XX/22 and ended that XXXX. We were advised that due to a medical hardship, we did not have to make any payments during that time ( see attached documents ). When the time came to pay, rather than the payments just picking up again, XXXX XXXX now considered us as months past due. Whereas they had, in writing, advised that no payments were to be made, they actually were counting each of those agreed upon months as past due. We have disputed both through the credit reporting agencies and with XXXX XXXX  to have the past due payments removed from our credit report, but XXXX XXXX  continues to say their reporting is valid.

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 2023-03-28
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A representative contacted me via telephone from National Credit Systems in XX/XX/2022. She stated that I owed XXXX XXXX at XXXX XXXX XXXX {$5300.00}. I responded to her that I never lived at the complex she spoke of and ended the call. I received letters for debt collection in both XX/XX/2022 and XX/XX/2022. In XX/XX/2022, I received a letter from the XXXX XXXX XXXX XXXX XXXX and I responded with a letter dated XX/XX/2022. In said letter, I asked for a copy of the original lease with my signature, payment history with itemized billing. I received another communication from the lawyers office with a itemized account statement only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Resurgent Capital Services L.P.
State: TX
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:
On XX/XX/2023 received notification from credit monitoring agency that a new collection in the amount of XXXX to Resurgenct Capital Services. The amount owed to XXXX was submitted and paid on the same day. I have also sent an email to the company requesting they review as payment was made to XXXX not the collection agency. I also requested that the debt be removed from the credit report because it is now showing as inaccurate as the account has been paid and closed per creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: IN
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 requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-03-29
Company: BARCLAYS BANK DELAWARE
State: PA
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 was told on multiple occasions the charge for two flights on this credit card would be credited to my account, since we were unable to fly due to being XXXX positive. On my last complaint I received a call asking if I was ok with them crediting me for the flight off of my credit card. They still have NOT processed the credit. This is borderline fraudulent now, since they have agreed at least twice now to take the charge off of my card. However as of today, I still have a $ XXXX balance for something that didn't take place and that I called to canceled before the flight.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The XXXX, Experian and XXXX after I purchased a credit report with XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/2023. I believe they have failed to authenticate these accounts. I included this in my last request and hoping that these accounts lates will be removed. 
XXXX XXXX XXXX XXXX : {$12000.00}, XXXX XXXX XXXX Balance : {$4800.00}, XXXX XXXX XXXX Balance : {$3800.00}

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 2023-03-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint is my follow-up to my previous letter to redispute these items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$410.00} The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2023-03-28
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:
I recently received an alert on my consumer report stating that I had a charged off account. This is an absolute error and is inaccurate. I paid this account off back in XXXX and have a clear title, now on XX/XX/XXXX you reported the account as charged off. For the past 5yrs this account has been reporting as paid and closed. How is it that on XXXX XXXX its now charged off when I have had the title since XXXX????? There is no way that this account can reporting on time paid closed and charged off at the same time after 5years. This is false, misleading and inaccurate. If you look at the history of this account it has ways reported as Paid as Agreed and closed so how did you come up with a charge-off status all of a sudden after its been closed for 5yrs. I

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 2023-03-28
Company: Chime Financial Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
I have contacted my bank, the IRS, and XXXX. I have contacted Chime Bank and talked to supervisor or employees to find my federal tax return I have revised a letter from the irs and XXXX stating that chime bank has my federal tax return. Ive continue to call chime to see where my return was, at first I was told by my bank the return and it would be processed. After I called them the next day my return was no where to be found. The refund amount was {$620.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I contacted Equifax regarding incorrect information on my credit report. As of today, I have not received a response. The following accounts are in question : The information presented on the account XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5600.00} ) needs to be investigated. I know that the original creditor XXXX XXXX XXXX XXXX XXXX CA, but I have not been contacted by XXXX XXXX XXXX. The reported Balance amount of {$5600.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. Due to these inaccuracies, I dispute the entire account and request that you verify the following dates : Date Opened and Date of First Delinquency. 

The information presented for the account XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$140.00} ) is also inaccurate. I understand that the original creditor on this account is a different company, XXXX XXXX XXXX, than the one you indicate. You report a higher Balance of {$140.00} than the amount I believe I owe. This information is incorrect, and I dispute this account as well. I also request a verification of Date Opened and Date of First Delinquency.

Company response to consumer: Closed with explanation