BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: FL
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:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2018-08-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to sell a property ( vacant lot ) that had the mortgage paid off to BMO/Harris seven years ago who acquired the loan when XXXX XXXX failed in 2010. The loan was paid in full seven years ago, and a satisfaction of mortgage was filed, however there is a modification of mortgage still on the title which was missed by the lender and I have been unable to sell the property. 
I've sent numerous requests to BMO regarding the title issue and also Consumer Mortgage Release Requests on their form along with full title search details, and the company will not respond. I have been trying to clear this up since XXXX and it is causing great financial hardship.

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 2023-09-23
Company: Experian Information Solutions Inc.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$6400.00}

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 2022-01-05
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
The background check company Checker, has not only relayed false information to a potential employer regarding my Motor Vehicle Report. The information they relayed is that 1st ; I have no license. 2nd ; my drivers license is suspended. 3rd ; That I have a failure to appear in traffic court for a moving violation. 
This is completely inaccurate information that has been relayed to a very prospective imployer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: FL
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 XXXX Account : Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX , Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These debts were paid and they are showing on my credit report as charge offs. some debts still showing on my report as collections but have a {$0.00} balance. I believe these to be a misrepresentation of my credit worthiness and should be removed from my credit report at all three credit bureaus pursuant to FCRA regulations. 

Collections : XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX opened 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 2022-09-16
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sold and received payment for a Set of Tables on XX/XX/XXXX for {$270.00} & received payment for them via Venmo. On XX/XX/XXXX the Lady that purchased them filed a Fraudulent Dispute with her Bank and Venmo placed a Hold/Freeze on my Venmo Account. I immediately disputed the Fraudulent Claim with Venmo that was Filed by the Lady that paid & picked up the Tables on XX/XX/XXXX and also sent all Messages to Venmo showing proof that SHE, herself did in FACT send the payment for {$270.00} to purchase the Table 's & she was the one that initially asked if she could send payment for them via Venmo. I even reached out to the Lady that Filed this Fraudulent Dispute Claim and asked her why she Filed this Fraudulent Dispute Claim and also sent her our Conversation of our Messages validating that she did in FACT send the Money of {$270.00} for the Tables and asked her what there was to dispute about it? She said she that she made a " mistake '' and that she would reach out to her Bank and Cancel the Dispute Claim that she Filed and she was Sorry. Since then, the Lady that paid {$270.00} for the Tables and reached out to her Bank to Cancel the Filed Dispute Claim that she made in " error '', as of XX/XX/XXXX she sent me a Letter from her Bank that she Filed this Dispute with showing and stating that she was NO LONGER Disputing this Charge for {$270.00}. I immediately Emailed this to Venmo & continuously get the same automated response. Can't speak with anybody at Venmo, can't get the Fraudulent Freeze lifted off of my Venmo Account & receive my RIGHTFULLY OWED MONEY placed back into my Account. Is this a joke? How is this Legal? I HAVE PROVIDED ALL DOCUMENTATION SHOWING PROOF SHE INTENTIONALLY SENT THE PYMT OF {$270.00} FOR THE TABLE 'S, THE LADY ADMITTED THAT SHE KNOWINGLY DID SEND THE {$270.00} FOR THE TABLE 'S IN THE PROOF THAT I SENT TO VENMO, AND NOW WE ARE ALMOST XXXX MO 'S INTO THIS AND THIS LADY HAS THE TABLES & POTENTIALLY A {$270.00} REFUND??? AND MY MONEY IS BEING STOLEN FROM ME? WITH NO RETURN OF THE TABLE 'S AT THIS POINT. 

PLEASE HELP REFUND MY RIGHTFULLY & LEGALLY OWED MONEY BACK TO ME IN MY VENMO ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had requested an early cancellation of my Primary Mortgage Insurance ( PMI ). This request was initiated in XX/XX/XXXX. At this point, Chase sent me a letter with XXXX XXXX as the primary investor on my conventional loan stating that an appraisal was required to ascertain value/loss of value in the home. The purchase price in XX/XX/XXXX was {$320000.00}. The appraisal value returned on XX/XX/XXXX at {$350000.00}. At this point, my LTV % was 79 %. Chase/XXXX XXXX DENIED my PMI Cancellation stating that the actual number was needing to be 75 % or less LTV. They are not stating facts clearly, or fairly. I requested Chase to send me terms of cancellation after 5 years ( which I cross my 60th payment on XX/XX/XXXX. They are demanding a new appraisal, AND STILL will not tell me CLEARLY what requirements need to be met in order for them to agree to cancellation of PMI. The appraisal is greater than 120 days ( just barely ) but they will not honor it, instead DEMANDING a new appraisal at MY expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: LA
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:
This is my THIRD complaint filed against XXXX XXXX about an XXXX  XXXX Bankruptcy XXXX. I have contacted the XXXX in XXXX, La on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that stated that they were never contacted by XXXX XXXX. Based on the findings of their investigation which states they verified with the courts can NOT be true. I asked for written verification of this Bankruptcy and I was only sent a copy of my credit report therefore this claim is not verified and should be removed from my credit report. I have called and disputed this reporting as well as mailed in letters and I was not giving proper verification. This is what my letter stated : Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. I was not provided that information please see that this request is reported correctly. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-03
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was reviewing my consumer report when I noticed this collection from Americollect Inc. 
I don't know what this is for, therefore I sent a debt validation request on XX/XX/2020 and based on tracking it was received by Americollect Inc. on XX/XX/2020. I only received a statement however this still does not validate my request pursuant to15 USC 1692g.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check at Chase Bank into my business account. I deposited check and it cleared in 24 hours. I endorsed the back of the check with my personal signature instead of my company name. Because of this error on my part, the bank that the check originated from recalled the check. My customer wrote me a new check and I deposited new check, endorsed correctly and notified Chase about the error and what was taking place. Chase Bank put a 7 day hold on this check and says they will lift the hold if they can verify the check with the check writer. They tell me their system is unable to verify a phone number for the check writer even though the customer of mine has a company website that they can look up and call the number listed on the website. Ive spent hours with Chase Customer Service and have spoken to multiple representatives in the Hold Department and I can not get a resolution. At this point I believe Chase will extend the hold indefinitely if I do not take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: National Credit Adjusters, LLC
State: TX
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:
National Credit Adjusters , LLC Subject : Cease and Desist Communication Dear Sir/Madam, I am writing to formally demand that National Credit Adjusters , LLC ( hereinafter referred to as " NCA '' ) immediately cease and desist any further communication with me in relation to the reference number XXXX. Failure to comply with this request will be considered an acceptance of XXXX XXXX XXXX Terms and Conditions. 

I would like to bring to your attention that, as of [ Sun, XXXX ], there is no existing contract or agreement between myself and NCA . Therefore, any attempt to contact me or pursue any form of collection or legal action without a valid contract or legal basis is a violation of my rights.

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you cease all communication with me regarding this matter. Pursuant to this right, I hereby demand that NCA immediately discontinue all communication with me, including but not limited to phone calls, letters, emails, text messages, and any other form of communication. 

Furthermore, I insist that NCA cease and desist any actions that may negatively affect my credit rating or reputation. This includes reporting any inaccurate or misleading information to credit reporting agencies or engaging in any other activity that violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Please be aware that any further communication from NCA in relation to the reference number mentioned above will be considered a willful violation of my rights. Such violations may result in legal action being pursued against NCA, including but not limited to filing a complaint with the Federal Trade Commission ( FTC ) and seeking damages under the FDCPA and other applicable laws. 

I expect a written confirmation within ten ( 10 ) days of receiving this letter, acknowledging your receipt of this cease and desist request and your commitment to comply with its terms. Failure to respond or comply will be considered evidence of your refusal to adhere to the law. 

Thank you for your immediate attention to this matter. I trust that you will take the necessary steps to ensure compliance with this cease and desist request. Any future communication from NCA in relation to the reference number mentioned above will be considered harassment and will be dealt with accordingly. 

Sincerely, [ By Accommodation : XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, 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:
Un-Authorized inquiries 



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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 2023-06-27
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:
Account : XXXX I am writing to bring to your attention a grave matter concerning the debt collection company, XXXX XXXX XXXX, and their violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your intervention to address this violation and ensure the prompt removal of the negative account they have reported on my credit report. 

Upon reviewing my credit report, I discovered that XXXX XXXX XXXX has reported a negative account that is not associated with me in any way. Despite my diligent efforts to dispute this inaccurate information directly with the company, they have disregarded my concerns and failed to take any action to rectify the situation. 

It is evident that XXXX XXXX XXXX XXXX actions represent a clear violation of FACTA, which mandates accurate and fair credit reporting practices. Their failure to comply with the provisions outlined in the Act not only harms my financial reputation but also undermines the integrity of the credit reporting system. 

I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into XXXX XXXX XXXX XXXX violation of FACTA. I urge you to take appropriate action to ensure their compliance with the regulations and to promptly remove the negative account from my credit report. Additionally, I believe it is crucial to hold XXXX XXXX XXXX accountable for their non-compliance and to enforce the necessary penalties or corrective measures. 

Enclosed with this letter, please find copies of relevant documentation, including correspondence with XXXX XXXX XXXX as well as any supporting evidence that clearly demonstrates their violation of FACTA and the inaccurate reporting of the negative account. I trust that this information will aid in your investigation and contribute to the resolution of this issue. 

I greatly appreciate your attention to this matter. It is my sincere hope that the Consumer Financial Protection Bureau will act swiftly to rectify this violation, restore the accuracy of my credit report, and ensure the protection of consumers ' rights. I look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection on my account and they keep updating the date every couple months. The collection will disappear then come back. Or they update the date to a more recent date and my credit score keeps dropping and Ive worked REALLY XXXX hard to get to where Im at with my credit score. My score just dropped by XXXX points and I have NO missed payments and nothing that would cause this to happen. The debt collector is portfolio recovery it says original creditor is XXXX XXXX I do not know what this debt is. its for {$710.00} from 2018 and I dont ever recall having a XXXX XXXX credit card in 2018!! It also said something about sprint. I dont have XXXX  as a phone provider and NEVER have. My mom did when I was like XXXX but I NEVER have. Also I didnt have ANY credit cards in 2018. At all, so how is this account opened in XXXX of 2018!? Ive never had sprint and I had ZERO open credit cards in 2018 I want this XXXX debt removed from all 3 of my reports! Its ridiculous and they keep changing the dates and updating it so the date becomes a more recent debt! Im SICK OF IT. I want it removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
i recently had someone assist me on viewing my credit report upon doing so i realized that there were numerous accounts that do not belong to me and it has made my day to day living almost impossible and making it hard to move forward with my life i believe that i might be a victim of identity theft and because of so i have attached a copy of the identity theft report i filed

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