BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I received several calls from a number that was impersonating a Chase bank branch. It turned out it was someone who was stealing my information, and added my card to their digital wallet. They 18 different withdrawals of varies amounts, totaling to $ XXXXI called chase immediately to terminate my card, and made a claim over the phone. I have opened a claim with chase, which was denied on XX/XX/XXXX, and closed due to saying that it was " authorized ''. I reopened the claim and sent my proof it was NOT my husband or I making these withdrawals, and it was again denied on XX/XX/XXXX. 

The withdrawals were made in XXXX, IL, however my husband and I who are the only ones that have access to the account where both on a trip in California at the time, so neither of us would have been able to make these withdrawals from XXXX, IL. I have documentation of the call log, the withdrawals, the fraud alert text message I got, the text asking to add card to new device, and proof we were out of town at the time of the withdrawals. I need assistance getting this fraud claim to be approved and the funds returned to our account as it was not us who authorized this purchase, and that the chase bank was being scammed and impersonated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is to inform all three credit bureaus that a Florida Department of Revenue sent a letter to show this account was paid in full. The date it was closed. Your agency is reporting that this account was 120 days past due. However, this account was not 120 days past due. Please also be aware that any negative mark found on my credit reports ( Experian, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate correct payment history immediately. The request is to remove the erroneous information with a full deletion. 

1. Delete 120 days late payments ( this is not correct ) 2. Delete this is a government collection account 3. The date when closed is incorrect.

According, to the Fair Credit Reporting Agency any incorrect information on the credit report is Defamation and a Violation of the Fair Debt Collection Practices Act

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 2023-06-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023, my partner and I attempted to apply for a mortgage loan and discovered that National Credit Systems had placed a collection mark on my credit report which I was unaware of prior to that date. I attempted to talk to the company over the phone several times regarding this debt to find out more information and possibly negotiate a good faith deletion but was told repeatedly that the person I needed to speak with was unavailable and the person I did speak with refused to assist me in any way. I checked my records and found that ( as of the time of this complaint ) I have not received any documentation regarding this debt, including any Letters of Validation. In response, on XX/XX/2023, I mailed a Request for Verification letter to the company via certified mail and verified that they signed for and received this letter successfully on XX/XX/2023. From what I have understood, according to the FDCPA, a collection company is required upon receipt of this letter to cease all attempts to collect this debt and remove the negative mark on my credit report during the 30 day period that they have to provide proper documentation on this supposed debt. I emailed the company on XX/XX/2023 to follow up on the Request for Verification that was sent but have not received any replies to that email or calls or letters whatsoever. At this point, there has been no validation of this debt and my ability to apply for a mortgage is being held hostage due to this company 's unresponsiveness and failure to comply with federal law. I have documented proof of the actions and dates of the events mentioned herein and am requesting assistance with getting this resolved. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: DISCOVER BANK
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was signed up without my written or verbal consent for a discover payment protection plan since XX/XX/2008. The lady at the discover center in XXXX told me that I would have had to request this plan. She admitted it was added without my consent. This has resulted in thousands of dollars in fees I never authorized for I service I did not need or want. Discover only offered to give me back the illegal fees they charged me for the last six months with no interest. I have done research and it seems there have been thousands of victims in the past that resulted in a massive lawsuit where discover paid claims. Discoverer advertises that they are no fees for their cards and this is blatant false advertising. I would like all my payment protection plan fees refunded plus interest since XX/XX/2008. Big financial institutions can not get away with scamming people like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
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: Personal information incorrect

Complaint:
EVERYTHING ON MY EXPERIAN REPORT IS INAACURATE, FRAUDULENT! I REACHED OUT TO EXPERIAN SEVERAL TIMES IN REGARDS TO MY REPORT AND MY INFORMATION BEING COMPROMISED! NO RESPONSE! EXPERIAN HAS THREE DIFFERENT ADDRESSES, THREE DIFFERENT NAMEs and a bunch of Other information that is inaccurate! I HAVE ONE NAME AND LIVE AT ONE ADDRESS! THERE ARE ALSO SEVERAL ACCOUNTS THAT WERE FRAUDULENTLY OPENED UNDER MY PROFILE! EXEPERIAN HAS NEVER GOTTEN MY WRITTEN CONSENT TO PUBLISH ANY INFORMATION AS SUCH ON MY BEHALF! I HAVE SENT MULTIPLE DOCUMENTS PROVUNG MY SELF and RESIDENCY! By LAW THIS IS FRAUD AND EXPERIAN CAN BE FINED FOR EVERY VIOLATION!

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 2023-09-02
Company: EQUIFAX, INC.
State: VA
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'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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: VA
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 15 USC 1681. 

The letters are stated with items and issues. 

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 seven 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Barclay Mastercard has been set-up for monthly autopay since XXXX. Barclay Mastercard extracts payments from my XXXX XXXX XXXX  in the amount of {$19.00} monthly for payment charges from the merchant, XXXX totaling {$19.00}, therefore resulting in a XXXX XXXX. As of XX/XX/XXXX, Barclay Mastercard has not applied the {$19.00} auto payments to my account, resulting in my balance rolling over in the amount of {$39.00}. Spoke with several reps only to be disconnected and told they could not figure out the problem. Finally, spoke XXXX, XXXX, who stated he was going to XXXX a {$40.00} credit on my account to offset the charges. However, only XXXX cents was applied on XX/XX/XXXX to my account. Contacted Barclay Mastercard again several times only to be disconnected and told they are unfamiliar with the problem. Due to either a system error or fraudulent practice I have a balance sitting on my account in which I have issued payment for totaling {$39.00}.

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 monetary relief
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent several letters asking this bankruptcy to be verified. I have a letter from the US Bankruptcy court stating they did not report this information to my credit report. When asking to have them verify they continue to send a letter stating verified. I have asked for documentation showing this is my account and nothing has been sent besides a letter stating " verified ''. I have tried numerous times and nothing has happened. The response I get back aren't even where it's possible that they have verified. The response is less than a week between date of them receiving my request and the date of them responding.

I would like it in writing that my account was verified with the US Bankruptcy court, who they spoke with that confirmed this information, with the date and time the conversation was held.

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 2018-05-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed bankruptcy and it was discharged 7 months ago. I reaffirmed on my loan with XXXX ( XXXX XXXX XXXX XXXX ). I have made payments the entire time along with their website showing payments continued from XX/XX/17 to current. I went to trade the car in yesterday and the dealer said all the bureaus are not showing that I'm making car payments on the loan in any of the car part of the bureaus. It shows that the car was included in the BK. It needs to show payment history. This needs to be backdated to show I have been making payments. Since I have been working hard to rebuild my credit this is the only thing holding me back from making the trade yesterday that would have paid XXXX off and made me non upside down. Great way to help me get back on track. All that hard work thrown out because someone is not reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX did the right thing by deleting all the discrepancies from my credit report and they followed the rules by deleting XXXX XXXX XXXX XXXX charge off/write offs. XXXX XXXX did not respond accordingly within the 30 day time period since XXXX of 2021 so, by law TRANSUNION and XXXX should be removing all of the charge off/write offs by XXXX XXXX too .

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 2022-02-01
Company: Bread Financial Holdings, 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: Their investigation did not fix an error on your report

Complaint:
I am trying to dispute a credit card that was opened up in my name using my personal information without my consent from XXXX XXXX XXXX of XXXX XXXX on XX/XX/2022. My disputes have all been verified as accurate even after submitting an email from the selling manager of XXXX XXXX XXXX stating they submitted they application on me behalf without my consent. After contacting the dealership, I was told that I needed to close my account with the bank, submit the email from XXXX Selling Manager with my dispute, and then XXXX would rectify my account to reflect and delete the inquiry from my report. Now it shows I have closed the account and XXXX is and XXXX are not approving the dispute, resulting in the open on the XXXX XXXX XXXX  still appearing on my credit report- this is impacting my ability to apply elsewhere and impacting my score as well as causing financial burden and physical and emotional stress. I need this removed now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had spoken to SPS mortgage and filed information online to get refinanced and stop foreclosure, and was turned down, started receiving pandemic unemployment in XX/XX/XXXX and company still stating that foreclosure will be proceeding. XXXX XXXX XXXX, my mother past away XX/XX/XXXX .Leaving property to me XXXX XXXX XXXX XXXX currently in probate because after sending death certificate and all information SPS asked for when she past, the would not respond to me when My dinning room ceiling collapsed, I inquired attorney XXXX XXXX for probate, since my ceiling is not fixed,

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Waveland LLC dba FJM
State: ND
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, XXXX XXXX Collections Dispute Great Plains Property Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing this letter to dispute the following information on my credit report. I have encircled the items of dispute on the attached copy of the report I received. 
This item Reported : XX/XX/XXXX Amount : {$500.00} Is false because I left the location with the rent paid in full through the end of XXXX. We have also never received a statement after move out or my mothers {$1000.00} deposit. In the state of SD, landlords have 21 days to provide a statement or return the deposit in which they did not. We moved XX/XX/XXXX and paid rent through XX/XX/XXXX and the deposit of {$1000.00} was never returned by the landlord. We never received any statement or the {$1000.00} deposit. The lease began XX/XX/XXXX and after XX/XX/XXXX we went month to month. A notice to vacate was provided to the landlord ( great plains property mgmt ) and all the keys were turned in and the unit was clean and left in the condition it was provided with all appliances that came in the unit, in the same working condition as upon move-in. I am requesting that the item be removed from both me and my mother 's credit reports. Enclosed supporting documents; supporting my position. Please investigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX : XXXX, CFPB Enclosures : [ List what you are enclosing. ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My husband and I struggled to make payments to the apartment due to Covid-19 job loss and XXXX. We let the apartments know immediately but we were constantly being harassed and threatened despite having several Covid-19 moratoriums we properly submitted to the leasing office they would threaten to evict us and constantly call all day begging for any kind of payment when we were told they should not be given not one penny because they were being paid off by XXXX XXXX XXXX and were paid thousands of dollars for several months of rent. Despite being paid off they proceeded to harass us and send our account to evictions. We had an attorney through the assistance program whom was able to prove all monies were paid prior to being sent to evictions and we were cleared. After this they continued to make threatening calls and harass us for money and unlawfully went into our apartments and falsely said we had abandoned our apartment and threw away our clothes and several items we had in the apartment like kitchenware and other goods. Even though we still had the Covid-19 moratorium they locked us out of our apartments and sent us to collections. This company has been paid off by XXXX XXXX and had no right to enter our residence while we were gone and take our things and lock us out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, 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:
Dear Consumer Financial Protection Bureau, I hope this message finds you well. I'm writing to express my concerns regarding the reporting of my charged-off XXXX XXXX credit card account on my credit report. 

This account has been officially charged off, however, it continues to be reported as a 'charge-off ' on my credit report for an extended period of time. This repetition implies that a new negative event is occurring each month, which is not accurate. 

Under the Fair Credit Reporting Act, a charged-off account should be reported as such once, not on a continuing monthly basis. The continuous reporting of the charge-off is negatively impacting my credit score in an undue manner. 

This incorrect reporting has significant consequences on my financial standing and potential for future credit opportunities. I kindly request your assistance in rectifying this issue to ensure that my credit report accurately reflects my financial history. 

Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21
Company: Shellpoint Partners, LLC
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
1. Loan service company has failed to adjust the loan at the time of debt reduction court ordered see doc 338.

2. loan service company failed to correct payment amount to match new agreement in XXXX see loan history statement. 
3. loan service company failed in XXXX to apply 2 payments that were in compliance with the new agreement. 
4. XXXX loan service company purchased forced placed insurance on the property while the property was under a federal stay. The service should of ask the court for the insurance it was on file in the federal bankruptcy court 5. Loan service company adds escrow account for insurance on the loan without a petition to the court and then added the debt to the balance to the loan. this is a violation of the law FDCPA and Bankruptcy code. 
6. Loan service company has now added the discharged debt of the loan to the payoff trying to collect a discharged debt. see Exhibit Shellpoint Notice

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation