BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: AZ
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 submitted a letters to XXXX, Equifax, and XXXX via certified mail to validate a collection account that suddenly appeared on my credit report by XXXX XXXX and have been unsuccessful with getting a human response outlining how they verified the collection account that they placed on my credit report. I understand that for anything to be placed on a consumer 's credit report, that the credit reporting agency by law must follow proper procedures before posting anything on a consumer 's credit report, as well as provide proof that what they are reporting has been properly verified. To date ( XX/XX/23 ) I have not received any evidence from XXXX, Equifax, and XXXX that they have followed such procedures before placing the collection account on my credit report, which is why I am now reaching out to the CFPB for assistance. 

In my validation request sent via certified mail to XXXX, Equifax, and XXXX I asked for the following information concerning the collection account they are reporting : 1 ) The original contract from the original creditor with my wet signature on it.

2 ) The full payment history from the original creditor.

3 ) The proof of debt assignment outlining how and when the alleged debt was obtained by XXXX XXXX and what address XXXX XXXX used to send their notification ( s ) informing me that they are attempting to collect this alleged debt. 

As a consumer, this collection account appearing on my XXXX, Equifax, and XXXX credit report has prohibited my ability to obtain any new credit as well as rendered me unable to obtain a mortgage thus forcing me to pay high monthly rental payments to house my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I became financially oppressed due the Covid 19. My mortgage co. offered me 12 months of no payments and I accepted ; however, they didn't disclosed the balloon payment at the end of the 12 free months. when I asked for a loan modification the refused to work with me. SPS IS USING fraudulent a assignment to foreclosure on my home. I questioned the standing with a XXXX  and never an acknowledgement or any answers. the assignment is robo signed by well known robo signer. they are attempting to foreclose on my home without offering a loan modification because of the amount of equity. I offered to pay XXXX of the rears and ask if they would place the reaming past due on the back of the loan. they will not respond back to any of my letters. 

I am offering to pay XXXX now to help with my outstanding balance. the assignment is fraudulent and fraud can not be the basics of obtain a deed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Dovenmuehle Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment is about {$1100.00} a month. I made a payment in XXXX of {$1700.00} with intention of extra money to go toward the principal balance, the Dovenmuehle Mortgage company applied extra money to the escrow account instead of principal balance. They did it on their own with out my consent. This is not a first time they are not providing proper service on XX/XX/2020 I have made an extra payment in the amount of {$600.00} and company held a payment in the air until XX/XX/2020. I found out that they hold the payment in the air on XX/XX/2020 about this issue and it took several more calls for me in order for them to apply the money to there it is suppose to be applied. So my loan was accumulating interest all this time. Now it is a second time the money was not applied the way intended. It seems that this mortgage company uses people 's money as they please, and money they receive do not go to there people expect to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Investment Retrievers, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit has been check by this company INVESTMENT RETRIEVERS that I am NOT AUTHORIZING them to check my credit. I do not give them permission. They have check my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have called then many times before and they say they can check my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello, I am a XXXX  year old male who is having issues with XXXX  account from golden one. I am of age to possess this account. Golden one will not allow me to transfer fund out of account. Golden one is illegally holding fund that I can not access. I pay the taxes every year on this account and can not access any of the money?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received my security deposit back from my landlord and deposited the check via Chase App on XX/XX/2023. The amount was {$6300.00} which was cleared briefly in my account on/around XX/XX/2023. When I logged back on to my account on XX/XX/2023, I discovered that both my checking and savings accounts had been closed by Chase, and all funds ( around {$6400.00} ) were gone, also no history of my accounts was available.

When I called customer support, I was told since there are two names on the check ( mine and my roommate 's ), they were not able to verify with the other party, thus took all my funds and closed my account. I was instructed to give them my roommate 's phone number for verification, but they said the number is not registered, and thus can not be verified. My roommate and I had agreed to deposit the check in one person 's account and deal with it on our own. Both my roommates and I are XXXX XXXX  here in the United States, therefore we can not get post-paid numbers. Both of our phone numbers are pre-paid, and Chase said they can not verify that. Chase told me the phone verification was the ONLY way, no other options were given to me.

After trying to get them to verify the check and did not work out, I asked Chase to return the funds back to the issuer ( my landlord ) so that they can issue me a new check. This phone call was made on XX/XX/2023. But Chase said I can not do anything to my funds, I had to ask my landlord to recall the check. After contacting my landlord, I was told they can not recall the check since the funds are already out of their account. I can provide the email history between me, my roommate, and my landlord if needed.

I am left with no options as to how I can get my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to 3 Credit Bureaus to remove an erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. 




XXXX & XXXX ( Original Creditor : XXXX ) XXXX Balance : {$310.00}

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please remove this information from my credit report, this affects me a lot, I don't want to have it. 
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 2022-10-25
Company: Experian Information Solutions Inc.
State: IL
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:
Hello! 

The XXXX breach exposed my information so Ive been very concerned about my consumer file. Per 15USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that Experian is reporting inaccurates informations on my credit report. This is violations 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information.

The reporting of the late payments are also not accurate!!!

these should not have been reported in the first place!!!! THIS IS ILLEGAL This is an inaccurate direct violation 15 USC 1666b, Remove late payments Asap By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report. It is my understanding that you will get the creditors to abide by my demands per Us law or be prepared to face some legal consequences! 


I tried to talk to the creditors and they turned me down. They hung up on me. 
They did not help my situation!! 

Now im demanding that these things be removed or prepare for {$1000.00} fines to be dished out! 

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed child support from transunion about two times. The account keeps coming back verified and updated. I consulted with a FCRA attorney and was given some advice and info on consumer laws. I contacted the courts and was told they don't verify accounts to bureaus? How did this account come back verified multiple times? This account is not 100 % accurate and should be deleted. according to 15 USC reporting info on overdue child support. These accounts statue of limitations have passed 20 years ago. For one All of my kids are in their XXXX XXXX I'm almost 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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX - Account is not displaying any 30- or 60-day lates. The account is shown being in " OK '' or green status in XX/XX/2018. XXXX of XXXX  the account status jumps to 90 days late. This is a violation of the Fair Credit Reporting Act in the account is not being accurately reported. 

Also, in accordance with the Fair Credit reporting Act this account has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any purpose.

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 2023-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I left 3 messages for a call back regarding this issue. The company, XXXX XXXX XXXX XXXX, would not return my calls. I didn't have an email address so I sent a Certified Letter requesting the company contact me or delete the item on my credit report. 
They did neither. 
I have attached a copy of my request letter and the proof of Certified mail being sent on my part and received on their part. 
This information is resulting in a denial for a mortgage to purchase a home. I don't know that the claim is correct. The creditor is Capital One and I have loans with Capital One opened much later than the 2006 date XXXX XXXX XXXX claim this debt dates to. 
I look forward to your reply. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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. The list of accounts below has violated my federally protected consumed rights to privacy and confidently under 15 U.S.C. 1681. 

XXXX XXXX ACCOUNT NUMBER # XXXX XXXX XXXX XXXX ACCOUNT # 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.

15 U.S.C 1681c Section ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information ; any other adverse item of information, other than records of convictions of the crimes which antedates the report by more than seven years.

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

Please remove the following accounts mentioned of my reports immediately ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: WELLS FARGO & COMPANY
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:
Wells Fargo, XXXX XXXX and XXXX reporting last payment date of XXXX. I never had any credit cards in default since XXXX. All cards paid in full and closed in the year XXXX. They deliberately moved the last payment date to the year XXXX so that I will be rejected for the low income cooperative. I was rejected for the low income cooperatives loan because of this falsified information. I am serving court documents to have you all appear in court. See  attached seven reportings of credit cards last payment in XXXX. Double reportings with different account numbers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Nelnet, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2020 I sent a letter to my student loan provider Nelnet advising I was an active student and shouldnt have been billed a monthly payment. I have never been late with my payments. My school provided a notice advising I was still a student and the service provider denied fixing the late payment to the credit bureau. Although its only XXXX late payment with Nelnet it had significantly affected my credit score which hinders me from obtaining a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Debt Recovery Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke with debt collector-debt recovery solutions. I made a payment arrangement with this company and I agreed with this company to pay the amount of {$200.00} and that he promise me that when I pay this amount to this company. he said that he will close the account and update everything to the credit companies that never happened. then I spoke to this lady XXXX XXXX that is also employed with debt recovery solutions and I told her about the payment arrangement that I made with the guy that I spoke with. and she tried to tack on another {$35.00} and I told her that guy told me to pay that {$200.00} dollars and he would close the account has been paid in full and that he would up date everything with the credit companies showing that account has been paid .that never happened. on that cash cow account in which I paid the last payment of {$50.00} on the XXXX in which they did not send me a receipt that it was paid in full. and I am aware of the scare tactics they use to make the consumers afraid of them that they would take their car etc.. if they don't pay. and when it comes down to the elderly people and the older people they are afraid that if they don't do what these debt collectors say they would take what they have worked for all of their lives. because of the fear that they these debt collectors has put into their heart. it is not only me that they are doing this to. it is every one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Collection Management Holdings, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$790.00} XXXX XXXX XX/XX/XXXX {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights. Creditor. Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX Have violated my rights. 

15 U.S.C 1681 section 602 A. States have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
XXXX has supplied ( via Chase.com ) a proprietary XXXX XXXX ( SM ) report about my credit score and other information ( available credit, utilization, etc. ). I have attached a copy of this webpage report to this complaint. See Page 2 of the attached PDF. 

One of these variables is " Depth of Credit. '' This portion of my report should state a number. For example " 10 years. '' However, it says " NaN years '' which is not a number. In fact, it is likely an arithmetic error in computer programming. 

I have called Chase multiple times and they have forwarded my complaints to XXXX. I called XXXX  multiple times at XXXX or XXXX without resolution. I even reached a person named " XXXX '' in XXXX and was told I would receive a swift resolution but I did not.

Company response to consumer: Closed with explanation