BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-01
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I made a purchase with XXXX, but instead of using my card it asked if I wanted 6 months free interest with XXXX so I went ahead and paid with XXXX. Out of the blue about 6 months later I get a bill for almost {$800.00} on my credit card. At the time I was not paying attention, I just paid bills off. It dawned on me I hadnt bought anything with XXXX so I called and talked with them and the girl I was speaking with said she would get me a supervisor, right after she reports a dispute, supervisor comes on and recognizes the mistake that has been made and refunds me my money, ( this is 3 months later ) not like me saying I need to take that payment back. But they never removed the dispute, so I get a bill in the mail a few months later saying I have missed a payment I have late charges and now Im calling again speaking with the fraud department who acknowledges that this definitely needs to be removed, but they need to send me to the right people to fix it. So now Im talking to a girl who said after 2 hours of them listening to my recorded phone calls, that she is going to get it fixed and will call me the following week, that was 2 weeks ago. And yes I have received another bill and late charges and reporting to the credit bureau! I have sent them all the proof that XXXX paid this bill, even had a couple returns where XXXX would refund them some money! They arent fixing it, they dont care and they are ruining my credit!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09
Company: Mr. Cooper Group Inc.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On Thursday, XXXX XXXX, 2023 I received an email from my mortgage handler that stated ; " On XX/XX/XXXX, Mr. Cooper became the target of a cyber security incident and took immediate steps to lock down our systems in order to keep your data safe. We are working to resolve the issue as quickly as possible ''. On XXXX, XXXX XXXX, 2023 I received a notice of cancelation for nonpayment of my homeowner 's insurance policy from XXXX XXXX XXXX and XXXX XXXX the insurer. This was the first and only notice I received. The letter stated that the policy had been canceled for nonpayment XXXX XXXX, 2023 per policy terms. On Monday, XXXX XXXX, 2023 I called my insurance agent to explain that the mortgage handler must have failed to make the disbursement and explained that they were subject of a cyber attack and have cut off all communication with their clients except for updates posted to a webpage, so I am unable to shed any light on what happened or is happening. My only recourse was to make an out of pocket online 3 month minimum payment on the policy to reinstate the coverage. So that is what I have done. Today is Thursday, XXXX XXXX and I still can not get and customer service from Mr. Cooper and still have a tax disbursement that is about to be late in not paid ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$28000.00} XXXX XXXX   XXXX {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In a letter dated XX/XX/XXXX, CapitalOne stated they would reduce my payment for 6 months starting XX/XX/XXXX ; though they never followed through. I continued to tell the representatives that the payment was supposed to be reduced and I was told that that arrangement was denied and the full regular payment amount was due. I've been making the full payment since XX/XX/XXXX, except for one missed payment in XX/XX/XXXX. Now CapitalOne is threatening to repossess the car because they state I am behind 3 months at the full payment. I made a full payment in XX/XX/XXXX, and they are demanding another full payment today XX/XX/XXXX in order to make a separate payment arrangement to avoid repossession. CapitalOne did not honor the agreement they made in their formal letter to reduce payment and continued to demand the full payment amount and continued to call and threaten repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-07-10
Company: LoanCare, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare has held a check since XX/XX/XXXX that is to be released back to me and my wife. This is a Hurricane Laura issue. 8 phone calls where we spoke with a natural person that told us they have approved our payment and will expedite. Each time same story and they have never followed through. The are grossly incompetent, lie, will not follow up, and never can provide an answer right away.

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 2020-08-05
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently reviewed my credit report and I would like to inform you the inaccurate reporting on my credit file. I am requesting under the Fair Credit Reporting Act ( FCRA ) 15 USC section 1681i, that a investigation on this account from Common Wealth Finance for XXXX XXXX XXXX for XXXX this is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 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 a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should have 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 a data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX Date XXXX. XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$740.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-10-17
Company: LoanCare, LLC
State: MN
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 would like to open a credit dispute with loan Care, LLC who reported a delinquent payment on XX/XX/2021 to the credit bureaus which caused my credit score to plummet XXXX points to an unfavorable rating. I requested a payoff in mid XXXX and was sent a payoff letter and payoff was made on XX/XX/2021. This action has caused harm to my credit and I am unable to apply for another loan. I would like the record corrected, the delinquency removed and for your company to stop incorrectly reporting. I have reached out to the 3 bureaus and they said they only report what they are given from loan care. My wife has spoken to loan care twice and they are claiming they did not report this loan as delinquent. Both parties are pointing the finger and we are the damaged parties. I want this issue escalated to a second level supervisor and the department that reports out the credit file information. This has caused irreparable harm to our credit file.

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 2023-07-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates has violated the FCRA In response to your letter dated XX/XX/2023, regarding the XXXX XXXX XXXX credit card account ending in XXXX. 

I have reviewed your letter and the documentation you have provided. I understand that they purchased this account from XXXX XXXX  and that they believe I owe a balance of {$590.00}. 

However, I do not believe that I owe this debt. I have never opened a XXXX XXXX XXXX credit card account, and I have never used a XXXX XXXX XXXX credit card. I have no record of any transactions or payments made on this account. 

I believe that this debt has been erroneously assigned to me. 

I have reviewed the documentation they have provided, and I do not believe that it proves that I owe this debt. They have not provided any records to show that XXXX XXXX XXXX credit card account was opened in my name, and they do not show that I ever used the account or that I ever agreed to pay for it. They also have not provided proof that I signed any agreements with them for this debt for them to purchase it or for me to pay them. 

I have also reviewed the Fair Credit Reporting Act ( FCRA ), and I believe that they have not complied with the FCRA in their handling of this matter. The FCRA requires them to investigate all disputes regarding debts that they report to credit reporting agencies. They must also provide me with a copy of the debt validation letter that they send to the credit reporting agencies. 

You have not provided me with a copy of the debt validation letter that they sent to the credit reporting agencies. They have also not investigated my dispute promptly, if at all. 

I believe that their failure to comply with the FCRA has caused me harm. My credit score has been damaged, and I have been harassed by their collectors and denied access to housing and a better life for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account name : XXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXX, XXXX. 
Account number : # XXXX Account name : XXXX XXXX XXXX  Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXXXXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX  Account number : # XXXX Account name : XXXX XXXX XXXX  Account number : # XXXX Account name : XXXX Account number : # XXXX Account name : U.S. DEPARTMENT OF EDUCATION Account number : # XXXX Account name : U.S. DEPARTMENT ON EDUCATION Account number : # XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

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

15 U.S.C 1681 b- permissible purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: CA
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:
In XXXX  I reached out to experience and also to XXXX XXXX XXXX explaining to them. That I have been a victim of identity theft and ask them to remove that person in account from my credit report. And they refuse to assist me. I did everything that experienced asks me to do from police. Report to prove in my innocence, and nothing was did. This protocol 3 different times and still nothing was, and now I'm doing it again. I am being taken advantage of they have sold this account and it's still on my credit report. The vehicle has been repossessed and sold by the bank. The proof is there, it's not my account, not my signature, not my birth, date not my handwriting and I don't know any of the people but the little girl from off line, who stole my XXXX and I told them that at the bank, and I reported to the police, but it's still on my credit report. I am the victim it looks like they look out for the criminal.

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC1681. XXXX XXXX  # XXXX. XXXX  XXXX # XXXX. XXXX  XXXX # XXXX. XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX. XXXX XXXX # XXXX XXXX  XXXX # XXXX Department Of Ed/XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX/dept of education # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX  # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX, Chase Merchant Services XXXX deducted {$99000.00} from our bank account. We were not given any notice nor any explanations to the reason of the debit. From XX/XX/XXXX to XX/XX/XXXX further deposits have been withheld in the amount of {$9000.00} that is not reflected on our bank account. This makes the total amount withheld {$100000.00}. This action taken by Chase JP Morgan XXXX is detrimental to the survival of our fledgling new services, survival of our organization and disables us from meeting our debts and obligations. It has been over 60 days and despite many calls by me and by our local bank representatives the {$100000.00} has not be reversed. This action by Chase Merchant Services demonstrate abusive use of position without due process. 

After all communication with many representatives we were left with two possible reasons to debiting our account by {$99000.00} plus other deposits. First reason possibly due to section XXXX of Terms of Agreements to cover Chase Merchant Services in section a ) from risks, refunds and liabilities and in section b ) about required Reserve, which we will determine in good faith. Deducting {$100.00} thousand from total transactions of {$220.00} thousand which is approximately 50 % of all collected amounts does not demonstrate good faith only abuse of position with lack of regard to a new business. Second reason being that we stated that our total estimated transactions would be {$25000.00} and we exceeded that amount. Nowhere in the Terms and Agreements is it stated that the amount of our transactions can not exceed our initial estimation of transactions. We provided the bank letters showing that we are processing special health insurance for students at a major college and the amount taken is premium from 167 students who paid their premium in good faith that now can not register for Spring XX/XX/XXXX classes. We provided letters from college leadership, insurance company leadership explaining the urgency of this matter to no avail. The service we are providing is at minimum risk and refunds are rarely issue in spring since 98 % of students are ongoing students who are not eligible for refunds and this was substantiated by college leadership and insurance company. Hence making the amount of fund withheld in reserve extreme and unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: GA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-20
Company: EQUIFAX, INC.
State: NV
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus ( " DATE OF PREVIOUS LETTER '' ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance : $ XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$8200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I recently received a notice from Capital One that my account was closed due to inactivity. I didn't receive any prior warning that this was going to happen. I called to reopen my account since it is my oldest revolving account. I've had the card for at least 10 years. The customer service representatives was nice about it but refused to reopen the account due to company policy. I asked to speak to a manager and received the same response. The only option they could give me was to apply for a new account which would reset the age of my account and impact my credit score. This was my oldest line of credit. I've never had a late payment over the life of the account. In fact, this account is the main thing I used to build my credit. I understand that they have the right to close an account at any time but I find it hard to believe that the company would be this inflexible regarding reopening the account. Due to this inflexibility, they have damaged my credit score and lost a customer. At this point, I just want others to know that they should avoid their services as well.

Company response to consumer: Closed with explanation