BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: GA
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:
This is my formal complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX, and my social security number 's last XXXX digits are XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2019-06-14
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Cavalry SPV, llc and attorney XXXX XXXX XXXX delivered lawsuit paperwork to my building and left it at the front desk for all employees to read. It was not enclosed in an envelope or folder. All details were exposed to several people where I live. 
Paperwork left on XX/XX/2019 

Front page clearly showed a XXXX XXXX  woth my name. 

This is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital one is unfairly racially profiling me holding my money with no grounds. Capital one has NO POLICY in place for situations like this and even if they did ppp loans didnt even exsist at the time I opened my account. They told me I have to provide documentation to them when I have already satisfied all requirements with my lender they are just holding my money collecting interest. I received this money in may why are they just now placing a hold this is a lawsuit waiting to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Never received a bill for original debt. XXXX XXXX XXXX XXXX, XXXX MS XXXX alleges that they mailed more than one bill to our home in FL.Because of Covid 19 concerns we were staying in MS. We had arranged mail forwarding with USPS but some of our mail disappeared or was returned to sender. We pay most of our bills online with paperless billing. I discovered that in XXXX XXXX XXXX had referred a {$90.00} charge to a collection agency known as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MS XXXX.I did not discover this information until XXXX XXXX. Again I Have yet to receive a bill from XXXX or XXXX. They filed a negative report with the credit agencies that has negatively impacted my credit score and my ability to go forward with a mortgage re-finance application. On XXXX I called XXXX 's billing dept and offered to pay the {$90.00} bill. They refused to allow me to pay the bill, saying that the matter was now out of their hands. I will never pay a collection agency for a bill I don't owe them. I will gladly pay XXXX the amount I owe if given the opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Home Loan Center, Inc.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX ( I have taken picture on my phone ) today XX/XX/2018, at XXXX XXXX XXXX has once again put out a false/misleading banner ad. I am in the mortgage business and know first hand that these rates are non existent, i would be shocked if any amount of Discount points would be able to produce these rates. This is at least, the 3rd time i have filed a complaint. They are misleading consumers and it needs to be addressed. I will include a photo of the front page with banner ad as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous request & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: LA
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:
See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all 3 credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.

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 2022-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Today, XX/XX/XXXX, around XXXXXXXX XXXX PDT a charge for {$10.00} appeared on my Bank of America credit card from XXXX XXXX. Ive been on hold with Bank of America for over 35 minutes and they have not answered. 

There was also a {$1.00} charge and reverse from XXXX XXXX XXXX. 

There are reports of both of these companies for fraud scams starting around 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 2020-02-16
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/19 i called a bank and asked i wanted to close out with them and wanted to payoff credit so im not going to be charged. Cause i had my reasons. I was not going to be on my email, cause i changed it and i was not leaving on same address. I was not going to get any information from them. 
Bank was very nice about it and asked me if there is something they could do so i was not going to close account with them. They offered That i was not going to have any interest with them to pay cause i am such a nice costumer. If i would choose to stay. Never had any late fees and always paying on time. But i still decided to close account. Payed off amount of {$1200.00} that they told me and everything was over. 

After 2 month i was getting on my credit reports late fees from somewhere i couldn't understand. I called all bank companies and was asking what was happening. I called credit reporters and they told me it was discovery. 

I called discovery and lady told me everything was good. But still i went to check my old email. Which was hard to get and I found interest charges of {$22.00}. I was so upset. I called a company again and was asking reasons. They conected me to person who supposed to take care of that part but i was rejected. Person seemed like giving me such a good attitude when i was closing my account. And now i have to live with low credit score cause they didn't do job properly and ruined my credit score which was always perfect. Never ever i got any late fees in my credit history until that mistake of person who supposed to close account and now i have 3 late fees out of nowhere.

Hope this message will help Ask me any more information i need to send.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
House was in foreclosure in XXXX due to ex wife not paying mortgage. I had to contact congressman XXXX as Carrington Mortgage Services , LLC would not accept payments from me although I held the mortgage. Once the congressman helped me, I brought the mortgage current and never missed a payment until I was XXXX and forced to go on XXXX XXXX in XXXX for one year. During this period, I tried desperately to get Carrington to work with me in an effort to make lower payments, which would of been Loan Modifications. Carrington would not work with me in any capacity. I was awarded a Chapter XXXX case in XX/XX/XXXX. Since that time, I have complied with any and all request from my attorney, Carringtons attorneys, and the courts to resolve this situation. Carrington has continued to file for Motion to Continue status, requested the same paper work of financial status at least 6 times claiming it was lost or never received, missed deadlines by not responding to the bankruptcy courts, not shown up for court hearings, and in general, I believe going out of their way with these delay tactics. This is costing me unnecessary time, stress and money, and has now cost me my marriage. I want to stress that Carrington Mortgage Services , LLC, has been delaying an outcome since prior to the COVID pandemic. It is my wish that you can investigate Carrington, force them to bring this situation to a close by helping me get the loan modification that my attorney has presented. I dont want to lose my house, I have not walked away from my financial obligations, nor have I not complied with any and all requests. I hope and pray you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: JPMORGAN CHASE & CO.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase advised that they were working on a workout plan with me and during the workout option I was never notified that a foreclosure date was set. Chase representative advised that the workout plan was still in process and that no foreclosure date was set and that they extended the delivery for the documentation until XX/XX/2019. Chase has not been transparent throughout this process and has led me and my family into an ambush. Chase also advised that because of the XXXX that they sent to me a week prior to dissolving the workout plan, that they never mention was in jeopardy of being dissolved, that they had already set the date and left it up to the attorney 's office to notify me regarding this. I never received any notification from neither Chase nor their attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : 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 explanation
Consumer complaint received 2023-01-20
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX was taken from me from the last 3 months. My cards have been stolen along with my phone multiple times. I filed fraud with the bank. They refunded me XXXX and said they would send me a letter. The letter said that I made the purchases. Which I didn't cause my card and phone was stolen. They just took all my pay from my job and my rent money today XX/XX/XXXX. They took everything from both my savings accounts.

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 2020-03-31
Company: CONTRACT CALLERS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contract Callers Inc. sent me a notice saying I owed {$420.00} from an old XXXX bill dating back to XX/XX/XXXX when the account was closed. The most recent communication from them was from XXXX XXXX. I checked with XXXX last week and and they informed me I only owed {$70.00} which I promptly paid ( XXXX See attached ). I guess this was left over from closing the account. I DID originally, on XX/XX/XXXX receive a bill from XXXX for this same account ( see attached ) for {$420.00}, but this was before they credited me for returned/reused equipment and was 6 months ago. CCI insists that I still owe XXXX {$350.00} even though I have confirmed with them that I have a XXXX balance. 

I am trying to get a new copy of the balance now owed from XXXX, but they are overwhelmed with COvid-19 concerns. I finally got a rep on XXXX to investigate today but she won't get an answer until tomorrow. I can not just pull up the bill because the account is now closed. 

CCI has ruined my credit by reporting to the credit bureaus that I still owe {$420.00} and my score has dropped dramatically. I am suffering financial hardship from COVID-19 as my job has disappeared pretty much and I need my credit rating back. I tried calling CCI today but they insisted I was wrong. Evidently, they have a bad track record for doing this. 

Please help me get this removed from the credit bureaus. I was also the victim of identity theft with the XXXX  Breach in XXXX and I have worked very hard to clean up the mess that caused. I also paid over {$1000.00} to have my credit repaired and now its ruined over a mistake. 

Thank you so much for helping me. I really appreciate it.

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. 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

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 2020-03-31
Company: WHEELS FINANCIAL GROUP, LLC.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/2020 I answered a call from the lender about my past due balance and advised them to pick up my car because Im unable to pay the amount. The collection manager was rude and stated they didnt want the car but want me to pay. I hung up on the person. They call at least 8 to 9 times a day using various numbers starting as early as XXXX my local time in AZ. which has began to be harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-16
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:
I have sent numerous disputes to experian in an effort to get a false account removed which was a result of identity theft. 


FTC identity theft report number : XXXX I have sent them at least 4 separate disputes all with a federal trade commission identity theft report number on the upper right hand corner. 

All of which Where notarized and sent via certified mail with attached utility bills, proof of identity and my social security card. 

XXXX  and XXXX  have both followed Fair debt collection practices and have taken proper legal measures in the deletion & removal of this false account which has negatively impacted my ability to obtain Any kind of credit for my family and I. 

This is my 5th attempt to remove this false account, if this account is not verified with an original consumer signed contract or removed, I will take measures to proceed with legal action against Experian in accordance with section 609 of the Fair credit reporting act. 

Experian has not attempted to verify this account with an original singed consumer contract and my precise requests have gone ignored. 

Please follow suit and remove this account and hard inquiry that comes with it immediately. I urge you to follow suit please. 

I have commenced an additional Federal Trade commission identity theft report. 


Account name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX | Unverified Account FTC identity theft report number : 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 2021-05-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I reached a settlement about 6 months ago to settle a credit card debt. The debt was over {$20000.00}, but we settles on {$12000.00}. I made five payments in a row of {$1000.00} and then on XX/XX/XXXX, I paid off the balance of {$7000.00}. I have requested now 7 days in a row for proof of payment/settlement and they will not send it to me. They keep saying that they have to wait for an auto generated letter. Their customer service team tells me that the money cleared on XXXX and they can see that the balance is {$0.00}, but they wont send me the statement and I am running into credit repair issues because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFTER LOOKING AT MY CREDIT REPORT THIER OUR ACCOUNT REPORTING inaccurate AND WOULD LIKE THESE ACCOUNT REMOVE FROM MY CREDIT REPORT. I HAVE DISPUTE MANY TIMES AND NOTHING HAVE BEEN DONE. CAN YOU PLEASE TAKE A LOOK AT THESE ACCOUNT THAT IS NOT MINE AND REMOVE THEM PLEASE

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