BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
Company: Round Up Ventures, L.P.
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I get a call from XXXX XXXX to call XXXX XXXX XXXX something about paperwork for me to sign. That never came it was supposed to come between XXXX today. This company dont know XXXX XXXX XXXX but he sure knew them he calls from private number. He gives number to call XXXX XXXX the other number to XXXX  XXXX is XXXX ( XXXX ) XXXX. I spoke to XXXX with XXXX today he was rude and antagonistic and aggressive. I hung up on him at first to call original creditor lendly and then got referred to XXXX XXXX they referred me to XXXX. Well I call XXXX back after verifying that. He asks about notices sent to me dont recall anything by mail, and he dont know nothing of this XXXX server no show guy but XXXX sure XXXX them. XXXX demanded immediate payment by debit card and he would send paperwork to stop next step in process what that is they dont know maybe wage garnishment anything really depending on law. With out immediate debit card and signature on some e docs right that second they will consider me not willing to resolve the account ( despite me telling them I was busy and couldnt get them that info right that second ). I think I received something from united maybe but not this XXXX  place. XXXX wouldnt send me payment plan paperwork with out debit card up front. They asked who I bank with same bank as when I got the lendly account XXXX snarked back thats surprising. Also according to XXXX if I kept track with my creditor or something like that this wouldnt happen ( after i informed about seeing if it was a scam ). XXXX was upset and loud and XXXX and sounded mad about me hanging up on him earlier to check to see if this was legit he kept being obnoxious repeatedly oh its not a scam we got your info ( ya scammers can get that ). I told them because they didnt want to give much info. Kept demanding immediate payment and signature on XXXX docs after getting my debit card first that maybe I should look at a lawyer or file complaint with ftc he hollered what lawyer I said maybe XXXX look at getting one or filing with ftc he immediately disconnected. 


Lendly number ( XXXX ) XXXX XXXX portfolio number XXXX The number to XXXX and the XXXX office is in report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Received phone call on XX/XX/XXXX from XXXX at my job from an American Express debt collector. I set up payment plan with debt collector that same day and told the debt collector to not call my job again as my job does not accept phone calls from debt collectors. Received another call at my job on XX/XX/XXXX from the same debt collector from XXXX. Other phone number used : XXXX. I am still receiving calls to my job even after setting up payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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: Was not notified of investigation status or results

Complaint:
The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatory information against me are false. I will fight back with all my strength! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report.The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!

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 2021-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Cap1/Walmart I have an account with your company that was purchased from XXXX/Walmart. I am an authorized user on the account XXXX. However, you are showing that I was late ( 30 days ) XX/XX/2020. But I dont recall even having a card issued to me at that time? None the less, can you please assure me that the card you are reporting 30 days late was mine? Otherwise, you are reporting illegally. 

Finally, after I ask that you please fix my XXXX report to show that I have never been late, I also ask for a courtesy removal of the 30 day reporting on all accounts. My mother, who is the primary, has been with Walmart for many years. She suffers from XXXX XXXX and XXXX. We apologize for the inconvenience we have caused and assure this will not be requested again after correction / deletion of the late on bureau. 

Thanks so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: In progress
Consumer complaint received 2023-01-26
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2016-12-05
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
NationStar Mortgage Co who is the servicer of my mortgage owned by XXXX XXXX made unauthorized Hard Credit Inquires into both XXXX and XXXX credit bureaus. This occurred on XXXX when having a general conversation with an individual at NationStar about possibly refinancing my current mortgage. Not only did he access my credit report, but also accessed my wife 's. The detail of our conversation was completely recorded and I was adamant about not accessing credit info and did not provide SSN or any other info authorizing the pulling of credit detail. I have provided a detail faxed containing all of the pertinent info and talked to many different individuals at NationStar. The various individuals that I 've talked to at NationStar listen and promise to call me back, but never do. I am very concerned because both mine and my wife 's credit scores were lowered 5-7 points and this will remain for 2 years on the respective reports. My requests was to remove these Hard Inquires from the respective credit bureaus for both my wife and I. 
information and

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letters regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unauthorized Card Transaction : On XX/XX/XXXX, I was reviewing my transaction from chase bank checking account and noticed transaction ( s ) that I did not make. I had my debit card in my possession and did not authorize anyone to use my card or my account and I didn't lose any phone or tablet but someone used outgoing wire transfer. 
XX/XX/XXXX {$10000.00} + {$75.00} fee XX/XX/XXXX {$1200.00} + {$25.00} fee Total {$11000.00} + {$100.00} wire fee So I called to chase fraud center on XX/XX/XXXX and made claim, the claim number is XXXX They said they will call back to me about this problem within 5 days but I did'nt get any response so I spent 1 week And I called again they said the claim is denied. Chase says they are not at fault and it's my fault. I didn't even get any calls and email for confirm this transaction. 
This is chase security issue. 
They even told me to contact the person who sent the money. 
Of course I don't know who they are. 
I think it's something I made up. 
I asked chase supervisor what to do. 
She told me report the police so I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Claimed XXXX, did reaffirmation of loan made all payments on time paid off early and they they report to credit bureaus all three as a charge off. Sent my credit score into the tank, lowered my credit score lower than when I claimed XXXX. This credit union is out for a very unfair vengeance. Other creditors did proper reporting but not this credit union. You get absolutely no help at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a full amount of {$620.00} in the mail to XXXX and they should have received it on the XXXX of XX/XX/2023. They stated that the amount is not paid in full when it is in fact paid off and I have sent a full payment amount. I expect that at the end of the month they will remove the account off of my credit and show that it is paid off in full on XX/XX/2023. It is financial harassment and false reporting to continue to harass me for money I do not owe. I have sent the full amount of {$620.00} which is more that I owe, and I am now pursuing legal action against XXXX XXXX. I expect that my account will show as paid in full at the end of XX/XX/2023. I have sent the payment and they have received it. It is their fault if they claim to not receive it. It is no longer my responsibility once it gets to them. I am sick and tired of their poor customer service and I am now pursuing legal action against XXXX for XXXX XXXX and fraud. I want it off my credit report at the end of this month and I have already sent the payment so it better show paid in full.

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 2023-01-30
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:
I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$1700.00} Account Number : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/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 2023-04-27
Company: EQUIFAX, 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:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXX XXXX Account XXXX : XXXX this is violation of my rights. please delete from my credit report 2. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report date opened is not accurate high credit and credit limit is not accurate across all credit bureau date last reported is inconsistent XXXX XXXXXXXX Account Number : XXXX this Is violation of my rights. please delete from my credit report 3. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report date opened is not accurate high credit and credit limit is not matching across all credit bureau XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

4. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXX  XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that the credit bureau will recheck these items with the creditor who has posted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Spoke with mortgage compamy and they stated my mortgage payment would jump from {$1000.00} to {$1400.00} an increase of {$350.00}. which would have a financial impact on my life that I can not afford. When I spoke with them they stated my taxes had went from XXXX a year to XXXX a year. I spoke with the county tax office and they said that was not the case it olnlu increased a couple hundred dollars. Can you please help me resolve this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: United Revenue Corporation
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: Information belongs to someone else

Complaint:
1. Requested supporting documentation to show that this is my debt more than a dozen times thought out the last year and have yet to receive. 
2. This debt is not mine. This must belong to my twin brother who obviously has the same birthday as me and has the same initials as me. His initials are XXXX  just as mine. 
3. Per the report, this is from 2014 and is now approaching 7 years old and have YET to receive any resolution. 
4. The 3rd party collections agency has called numerous family members and my work when I've specifically asked for the supporting docs numerous time and told them this is not my debt. Ive told them NOT to contact anyone but myself, that I would continue telling them the same thing over and over again until they could show me that this is MY DEBT! 
Someone, PLEASE HELP with resolution! Thank you!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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:
I have recently acquired my credit, upon my review there are two bankruptcies listed that I have submitted numerous request to have the information listed on my credit reported to be verified and the proof be provided to me. Upon this date the credit reporting agency has failed not only to remove the inaccurate information but has also violated several laws. 

In accordance with 15 usc 1681 ( a ) ( 4 ) XXXX XXXX who provided the bankruptcy information infringed on my right to privacy. I also have a statement from the company confirming that the information that was provided was inaccurate and was removed from their data base. As a consumer I have a right to privacy. 

XXXX XXXX did not have a permissible purpose to obtain the information and place it on my credit report nor did I provide any written consent for it to take place this is a direct violation of 15 usc 1681b ( a ) ( 2 ). 

XXXX XXXX failed to list who they interviewed to obtain this information, this would be also a violation of 15 usc 1681a ( e ) With XXXX XXXX being in direct violation of these laws set forth by the government the credit reporting agency is liable as well due to them furnishing the inaccurate information for my credit report. Because of these inaccuracies I have been prohibited from being deemed credit worthy. 
I have enclosed documentation that will prove the inaccuracies and the violations the credit reporting agency has committed against me. 
Dates of disputes submitted on the matter XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 explanation