BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: PA
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 a Fruad account on my credit report remove immediately.

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 2023-07-04
Company: EQUIFAX, INC.
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:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: Delta Management Associates, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XXXX, an administrative wage garnishment hearing company, was hired by Delta Management Associates ( XXXX, MA ), a student loan wage garnishment company, to rule on my wage garnishment appeal due to financial strain. 

My appeal application and financial documents were sent to Delta Management Associates, but they did not respond as to the status of my appeal. 

On XX/XX/2020, I spoke with a representative at Delta Management Associates who told me my written statement hearing would occur on XX/XX/2020. When I asked the representative why I had not received notification of the hearing, she was unable to provide an answer. 

On XX/XX/2020, I received a Notification of Written Administrative Hearing, dated XX/XX/2020, and postmarked XX/XX/2020, the day after I spoke with Delta Management Associates. The XXXX  notice stated I had 10 business days to submit any documentation for the hearing and the documentation had to be received by XX/XX/2020, the very next day. 

On XX/XX/2020, I left a voicemail for XXXX XXXX regarding me appeal. XXXX did not return my phone call, but instead XXXX XXXX returned my call. I spoke with XXXX XXXX of XXXX and asked why the notice dated XX/XX/2020, was not sent until XX/XX/2020. XXXX was unable to provide an answer and said she would have the hearing officer contact me. I asked XXXX why I was only given 1 business day to send my documents, but she was unable to answer and said she would have the hearing officer contact me. I asked her what documents had Delta Management Associates forwarded to XXXX for the hearing, XXXX was unable to provide an answer and said she would have the hearing officer contact me. I asked XXXX if the Notification of Written Administrative Hearing had been back-dated, since it was postmarked the day after I spoke with Delta Management Associates. She was not able to provide an answer and would have the hearing officer contact me. Furthermore, when I asked why my mailing address was incorrect, XXXX accused Delta Management Associates of providing the incorrect mailing address. 

Today is XX/XX/2020, and the hearing officer has yet to contact me. In addition, I have not received a ruling on my appeal from either XXXX or Delta Management Associates. 

XXXX XX/XX/XXXX : Delta Management Assoc says appeal hearing scheduled for XX/XX/XXXX XX/XX/XXXX : XXXX sends Notification of Written Administrative Hearing XX/XX/XXXX : Notification of Written Administrative Hearing received at my address XX/XX/XXXX : XXXX XXXX of XXXX is unable to provide any answers to my questions XX/XX/XXXX : Due date of appeal hearing documents XX/XX/XXXX : Appeal hearing date XX/XX/XXXX : I have yet to hear from XXXX  or Delta Management Associates in regards to my appeal

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Then and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-02-08
Company: Ready Capital Corporation
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased our home in XX/XX/XXXX with over {$80000.00} of equity in it. The mortgage company was GMFS. On XX/XX/XXXX, our home flooded. We immediately moved into a hotel for 4 months ( that we had to pay for ), then in XX/XX/XXXX we moved into a FEMA trailer for the next 18 months. During this time we were reassigned to XXXX, but we continued to receive mortgage payment requests from GMFS which continued until filing bankruptcy. As a result of the XXXX XXXX XXXX of XXXX, we were put into mortgage forbearance. Long story short, we submitted for hard-ship or refinance 8 times and have been turned down each time. In almost every instance there was something wrong with our paperwork and on two occasions, when we were waiting on a reply after we though everything was fine, XXXX came back and said they apologize but we had been reassigned to a new manager. My wife even lost her job and XXXX would not help. Keep in mind, during the early stages we had a ton of equity in the property and asked several times to just add the outstanding balance to the back of the loan. Each time we were turned down and the only remedy was to pay-off the entire amount. We even went to our US Senator for assistance and were turned down by XXXX. I have had to file Bankruptcy 3 times to avoid losing my home and my wife has filed once. We just submitted to again to be refinanced to no avail as we are now way behind in payments. Presently, no entity will allow us to refinance the property! We just had someone look at the file and they noticed an exorbitant amount of fees. Not only do the work to remove you from ownership of your property, take your down payments and other money used in the purchase of your home, keep any monthly payments you have made, but add fees, tremendous amounts of fees on to your arrears. GMFS assigned us to a new company without prior notification or approval in the middle of forbearance! We were getting paperwork from GMFS, XXXX, FEMA, XXXX, XXXX XXXX, and a couple of other governmental agencies. Because of GMFS and XXXX my credit suffered and we were turned down for an XXXX loan in the middle of our worst nightmares.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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:
This account has been charged off and the debt is no longer a debt as it has been written off by the company. Ive requested the 1099 for this and have been ignored. this is a violation of the Fcra.

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 2023-10-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My father passed XX/XX/XXXX and I was assigned as administrator of his estate during probate. The probate court required that I maintain the utilities at his residence where his XXXX was living during the probate process as she had made a claim to part of the estate. 
Around XX/XX/XXXX, dad 's house sold and probate court had me send a final payment tXXXX XXXX XXXX XXXX  and end services. This was done and court was satisfied. Probate was closed around XX/XX/XXXX and funds were distributed. 
Around XX/XX/XXXX, XXXX XXXX XXXX  started contacting me claiming I owed them money in the amount of about a month of service. I explained the situation to them and made it clear that I owed them no money. 
About XX/XX/XXXX I received a letter from CBE Group as an attempt to collect on the invalid debt. I responded immediately explaining that the debt was invalid. 
My response was ignored and soon after the debt showed on my credit report and the phone calls started. 
I now receive multiple calls per day by this debt collector. They use computers to assign them fake local numbers in order to dodge my spam filter and blocked phone number list. 
This is not a large debt and I have considered paying it to make them just go away, but that's what they want and I will not pay a debt I do not owe!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is a formal complaint against JP Morgan Chase Bank located in XXXX, DE. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, JP Morgan Chase Bank has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Wrong ss number, does not belong to me, emails and calls wont stop. Asked them to remove.. chat, email, and phone calls made to them to clear this up.. Not mine, they called my work, swore at me, on sundays, and after hours legal. I want it removed off all three credit reports and to be left alone! I have also disputed with all three credit reporting agencies. they have my last four as XXXX i think. so it is not me as the last digit is wrong. going on two years of this.someone mustve used in my name if they did. NOT ME. Said they were an official

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX and EQUIFAX have been knowingly and wilfully ignoring my Fraud Dispute Letters demonstrating inconsistencies with three bureau accuracy and affidavits in support. 15 U.S. Code 1611- Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. ( Pub. L. 90321, title I, 112,XX/XX/XXXX, 82 Stat. 151 ; Pub. L. 111203, title X, 1100A ( 2 ), XX/XX/XXXX124 Stat. 2107. ) 15 U.S.

Code 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 {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: U.S. BANCORP
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

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 2022-11-11
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
i have two data breaches with XXXX  and have had a heck of a time trying to get them to understand that if they continue to use the XXXX. XXXX or XXXX or any other email attached to my social security number is not helping at all. They are to use the only one that I use now, XXXX not XXXX, as those are a part of numerous fraud alerts with ftc, fXXXX XXXX XXXX, XXXX. My new email again is XXXX. I can not let you know how important this is as I have been XXXX over the internet over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I mailed Capital One a letter requesting validation and the current status of this account and I have yet to receive a response. I am seeking info on if this alleged account is charged off and/or has it been transferred to a different company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: HANCOCK WHITNEY BANK
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 - I received a phone call from my bank ( Hancock Whitney Bank ). It was not actually the bank, it was a scam. 

The scammer informed me that my account had been hacked, and that fraudulent charges were being made to my checking account. From there, he stated he was closing my account, ordering me a new card, and upping me to maximum security. 

Mind you, this is all on the banks phone #, and under the guise of upping security / verification of identity, and from there, I gave him a lot of personal info. 

I thought the account was closed and the problem was being handled. I received an email this morning, XX/XX/XXXX, from Hancock Whitney saying I added my card to XXXX XXXX  and if I didn't do this, to call this number immediately. I called Hancock, and fraud department froze my account, and advised me to get to a branch immediately. 

Both the phone number that called me at XXXX and the phone number I called to report the fraud is the same number! 

I've been in close contact with the local bank and police, and it's clear the bank line was " spoofed ''. The resolution is still pending. I have contacted the 3 major credit bureaus and have applied for identity theft protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-02
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: Information is missing that should be on the report

Complaint:
TransUnion was incorrectly reporting my account with XXXX XXXX XXXX XXXX as closed, even though it is open and active. On XX/XX/2018, rather than correcting the error, the account was deleted. I am a co-applicant for the account.

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 2023-11-07
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
This is regarding my cashapp account. Back on XXXX of XXXX I opened my cash app account under my name with my address and my bank account information. Up until a few months ago everything was working just fine. XX/XX/XXXX, I reported suspicious activity on my card to cashapp. I requested and received a new card. When I received my card, the wrong name was printed on it. I immediately contacted cash app customer service, they told me that no name change can happen except by the legal owner of the account. My name was on my first card. The name printed on my new debit is my mother 's name. ( My mother passed away in XXXX. ) Cashapp customer service suggested I order yet another card. I did, it also has my mother 's name on it. My mother NEVER had a cashapp acct. She was bed ridden beginning XX/XX/XXXX until her passing. Today, XX/XX/XXXX I called cashapp, to verify my identity they ask for my name, phone, and zip code. I provided the information. They disconnected my call stating I provided the wrong information. I provided The zip code they mailed my new cards to. I Provided the name on the account, and the phone number associated with the account. I called back. They disconnected the call AGAIN! The information listed on my cashapp account is my name, Has always been my name, It has not changed. I went thru my account statements back to XXXX, my name is listed on every statement. Furthermore, cashapp provides small cash advances. I have used this service several times. Yesterday, I requested a small advance. 
Pmnt pending to confirm ID verification. They have never asked this in the past. I provided my Texas DL and my photo. My ID also has the same address as my account. No one at cashapp will help me!!

Company response to consumer: Closed with explanation