BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021, I received a notification via my credit monitoring app, myFICO, in regards to an account owed to XXXX XXXX XXXX being collected by Debt Recovery Solutions. It appears the account was placed with them on XX/XX/2021. I have not received the initial dunning letter required by FDCPA notifying me of my rights to dispute. I have not received any phone calls regarding this debt either. These are unfair, deceptive and abusive practice as I was not given the opportunity to resolve the issue in a timely matter. I do not recall this account and have no knowledge of what is owed. As far as I can tell is that this is fraud since I have not done business with XXXX XXXX XXXX in years and everything was paid for. I do not have any account number and when I tried reaching out to this company by phone I was directed to their messaging system as no one was answering. I am asking that this trademark be removed from my credit or I will have to pursue other avenues in getting this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, 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 information incorrect

Complaint:
AFTER YEARS OF ON TIME PAYMENTS, XXXX XXXX XXXX CHARGED ME FOR A LATE PAYMENT WHEN I WAS NOT LATE ON MY PAYMENT. I CALLED AND TRIED TO FIX THIS SITUATION AND THE COMPANY WAS VERY RUDE AND UNWILLING TO HELP A PROBLEM THAT THEY CREATED. I ASKED THEM TO PLEASE FIX THE ISSUE AND THEY WOULD NOT AND THEY CLOSED MY 2 ACCOUNTS. I NOW HAVE A CLOSED ACCOUNT WITH A LATE PAYMENT ON MY CREDIT REPORT THAT WAS NOT SUPPOSED TO BE THERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
The Citibank a world bank in the USA issues fraudulent debit cards. Debit cards with wrong info on the back of their affinity.

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 2021-06-25
Company: Zillow Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Recently refinanced in XXXX with Zillow and we were informed we should expect to make our first payment XX/XX/XXXX. However as we got closed to that date I reached out to Zillow and they said they were still processing the loan. Almost at the end of XXXX I got my first statement from Zillow. So I sent a check thru my bank that got their on XX/XX/XXXX and was cashed on XX/XX/XXXX. However the day after I sent the payment to Zillow, I was notified the that my loan was sold to XXXX. I called Zillow and they said they would process the payment and would send it back. Well that was a lie, so know I have a double mortgage payment with XXXX who said I should contact Zillow. So I contacted Zillow yesterday and they said there was nothing they could. However they cashed a check on a loan they no owned. Please help. BTW the lady I spoke to at Zillow said this a recurring problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: JPMORGAN CHASE & CO.
State: NJ
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:
XXXX, I purchase a book editing and formatting service from a company I believed to be an affiliate of XXXX XXXX and with an email Address ofXXXX  ( notice there is am extra " XXXX '' in the email URL ). A charge of {$700.00} appears on my Chase statement for {$700.00} from " XXXX XXXX ''. 
XX/XX/XXXX, After 6 weeks merchant sends a draft of XXXX out of XXXX pages. The draft is filled with errors and is worthless. I send letter to merchant documenting the errors and begin partial dispute with Chase. 
XX/XX/XXXX, Merchant responds to my complaint indicating he wants an additional {$3200.00} as if this is a " bait and switch. '' Merchant subsequently offers to return to original agreement if I provide a PDF file ( rather than a XXXX document ) and drop the dispute. I tell merchant I require a sample of his revised work. We agree on XX/XX/XXXX as a milestone for receiving a sample of the requisite editing and formatting. 
XXXX, no sample and no contact from merchant. 
XX/XX/XXXX, I begin second dispute with Chase for full amount of {$700.00}. 
XX/XX/XXXX, Chase denies I have a valid dispute by indicating there is no " new evidence '' to reverse their original " finding ''. The Chase review of this dispute has been a perfunctory exercise with no review of the merits of the dispute. Chase has hung up on my telephone calls multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1959 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1959 ADDRESS 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 explanation
Consumer complaint received 2021-06-25
Company: Porania, LLC
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: Information belongs to someone else

Complaint:
I have these accountsthat does not belong to me and i want it to beremove asap. 

1. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft Chapter XXXX Bankruptcy XXXX XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
On XX/XX/20 I spoke with a Rep named XXXX about my Capital One credit account. Due to sickness and the pandemic, I had accumulated several late fees. I asked assistance on getting my account caught up. XXXX informed me about " XXXX XXXX XXXX '' that would help me. I was to agree to pay {$60.00} that day and put the account in good standing. She also set the account up for auto pay from personal checking account. The next month on the 9th day I noticed that there was no debit from XXXX XXXX. After waiting a few days, I contacted them XXXX XXXX. They informed me they had no record of me setting up Auto pay. They also refused to remove the late fee. My account fell behind once again. Since then I have made monthly payments. About 3 weeks ago my bathrooms flooded and I had to leave my home for some time. The day my XXXX XXXX payment was due, I made the payment online around XXXX due to the remodel going on in my home. XXXX  XXXX applied a late to my account stating that payments made after XXXX are processed the next day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-19
Company: Experian Information Solutions Inc.
State: FL
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:
a secured credit card has been opened in my name with XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-08-08
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a FHA mortgage with Midland Mortgage. I applied for and received a COVID Partial Claim. So far so good. I have made all payments since the partial claim before due date and without incident. However, the credit report reads several months of delinwuency. As the guidance shows, the mortgage company should not report a delinquency for those months. Therefore all months from XX/XX/2022 to date should show timely. This has been an issue before when I had a previous unemployment forebearance and modification. 

The CFPB was extremely helpful in getting this corrected.

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 2021-06-25
Company: MJ Altman Companies, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern : I AM A VICTIM OF IDENTITY THEFT, THIS ACCOUNT DOES NOT BELONG TO ME. 
As per my XXXX credit report, MJ ALTMAN obtained my credit file on XX/XX/XXXX. 
I don't recall applying for credit or employment with MJ ALTMAN. 
From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$2500.00}, whichever is greater. '' From the 1998 FTC opinion letter Greenblatt at http : //www.ftc.gov/os/statutes/fcra/greenblt.htm : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$2500.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$2500.00} by XX/XX/XXXX. 
Please respond via CFPB.

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 2021-06-25
Company: Experian Information Solutions Inc.
State: MI
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:
Experian Credit Bureau is reporting an account XXXX XXXX XXXX XXXX. However, the account dismissed by Michigan District courts in XX/XX/2019. I have been providing the court documentation for several years now. In addition, I have spoken to various representative and every representative tells me their are no supervisors available to speak with me and someone will call me back. However, I never receive a callback from the supervisor. I asked for Experian laws & requirements as it relates to FCRA. The representatives refuse to provide the information and tell me to get the information from the Federal Trade Commission. Experian acknowledged the documentation is legitimate. However, they are still reporting false information on my credit report for over 2 years.

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 2023-11-16
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the presence of inaccurate late payments on my credit report, as listed in the report provided by your bureau. I have carefully reviewed my credit report, and I have identified inconsistencies regarding late payments that I believe are erroneous and require correction. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I have always been committed to maintaining a positive credit history, and I can confirm that all payments for the aforementioned account were made on time. I have maintained a responsible and timely payment history with the creditor, and there is no basis for the reported late payments on my credit report.

Company response to consumer: In progress
Consumer complaint received 2021-06-25
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I sent letters to all Experian, XXXX XXXX XXXX about items on my credit report that are incorrect. Its been a month and I haven't received a response. I'm a single mother that is trying to by my family a home and this is the only thing i have left that is stopping me in the process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
On XX/XX/XXXX a second loan was opened for the same car by the dealership because they made an error and instead of correcting the error Wells Fargo opened the second auto account and checked my credit again. When I brought this to Wells Fargo attention they had no idea what happened, I called them on XX/XX/XXXX to alert them of the situation. I called them again on the XXXX to discuss the situation further and to see the actions that would be taken to correct the issue. The escalation department followed up with me on XX/XX/XXXX telling me what happened and that situation would be corrected, the second loan would be deleted and that they had received the payoff check from my credit union where I had already refinanced the car on XX/XX/XXXX. The representative also spoke to the loan officer at my credit union advising that every thing was taken care of and the money would be applied and corrected to the first loan and the loan for the car was released to the credit union. On XX/XX/XXXX I discovered that the loan for the car had been paid off with my credit union and Wells Fargo are the ones who paid it off. When I called Wells Fargo they advised that I had not paid off the account and that the loan was still open and active with them and that it needed to be paid. I advised that I had spoken to someone in their escalations department and they advised everything thing they had taken care of. They advised that they were not sure why but the check was reissued. On XX/XX/XXXX I was contacted by the escalations department again and they advised that they wanted to speak to someone at my credit union and tried her best to advise why the check was sent back and see if the credit union would reissue the check to them. Luckily my credit union was ok with not checking my credit again since it has dropped from the amount of checks it has had recently. Wells Fargo advised they would be issuing a credit correction for me but when I asked on the XXXX I was advised that it also hadn't been completed yet. I was advised on XX/XX/XXXX that the credit correction would be done and still nothing yet.

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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX  days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are XXXX consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME 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
Consumer complaint received 2023-10-05
Company: First Texas Auto Credit, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX repossessed my vehicle after only being 20 days late due to unexpected expenses. I reached out to the lender and I was told the vehicle was going to auction and there was nothing they could. They did not reach out to me or any of my 5 references that they demanded I provided. Came and picked up vehicle on the middle of the night and refuse to reinstate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 while on vacation in XXXX my credit card was stolen while at a restaurant. I was unaware that it was taken until I got home on XX/XX/XXXX after the limit was already spent. Ive explained to them that I had two cards with the same account number because chase had upgraded my slate card to freedom unlimited. I have sent them photos of my chase slate card to prove that I still have that one and thats what I used to try and make a purchase at a restaurant near my house. I have spend hours calling and being put on hold. Ive sent photos that supported my statements showing I wasnt in XXXX and couldnt have made purchases at XXXX and a jewelry store. I was in the process of applying for a loan to purchase a home while this has been going on and it significantly impacted my credit score. I have filed police reports and proceeded everything they have asked for. I have been told I would receive a phone call back the same day multiple times and I have not.

Company response to consumer: Closed with monetary relief