BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have formally requested that XXXX  XXXX XXXX  XXXX validate all trade line listings they have submitted to the three major credit reporting agencies. Due to possible in accuracies in these reports I demanded that the validation requested be in the form of a verified statement by a person with original knowledge of the debt who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer product, was not utilized as a profit loss tax deduction during the period it may have been payable, and was not claimed as a loss with and insuring entity during the period it may have been payable. I have requested competent evidence that I have some contractual obligation in relation to this trade line. 

I have not received such evidence which constitutes a breach of my civil rights, thus these items must be removed. At this moment in history, I refuse to have my civil rights taken away from me as I watch what is happening to people of my race in this country who have not only been vastly affected by this pandemic economically, but who have also had their civil rights disregarded by those in authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
My HECM reverse mortgage was a lump sum distribution at closing. There was never a Line of Credit ( LOC ). However, XXXX XXXX is showing a balance of $ 700+ as Line of Credit Balance. I have called them four times and spoke first on XX/XX/XXXX with XXXX, on XX/XX/XXXX with XXXX, on XX/XX/XXXX with XXXX and on XX/XX/XXXX with " XXXX ''. No last names were provided. They did name their manager as XXXX XXXX but would not connect me. I have explained the problem and they keep saying someone will get back to me. 

I may be selling my home and until this is corrected on the mortgage statement, I will be stuck paying the $ 700+ which I never got! 

Please help me. Phone : mobile XXXX. Email : XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information https : XXXX Please show me the document that i opt out of the disclose Personal/non public personal information to nonaffiliated third party ( Credit Reporting Agencies ) .

and i also need you clearly and conspicuously discloses to me in writing or in electronic form or other form 's permitted by regulations prescribed under Section 6804 of this title, that such information may be disclosed to such third party.

I want you read this carefully ... You need to notify me clearly and conspicuously discloses to me in writing or in electronic form NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Select Portfolio Servicing Company is a dept collection agency which is about the 5th company to buy up our original mortgage~ they are not tge original holder of the promissory note and have been threatening us with calls, shark attorneys and threatening letters of foreclosure for a few years now. They say they will work with us with remodification but keep the payment at an astronomical payment that they know we can not afford. Their lawywrs say they want to work with us at a mych less repayment amount but tge bank says not true..the bank had us fill out 3 lines online and never asks for income verification ~just tells us you qualify only for {$4500.00} a month and thats it! We were told at court by their lawyer XXXX XXXX XXXX to work with him, but then never gets back to us, and the bank says dont work with our lawyer work with us directly ... what are we to believe? We can afford {$2100.00} a month and have asked them if there is a program to put us in a balloon payment and work with us with this amount they say they have them but not for us!!! They say they want to gelp us stay in home but then tell us this stuff!! They dont even have the original note or even own it.. they bought up a bad debt and they know it!! We have read there is litigation about laws protecting consumers about people trying to forclose on people when they are not original note holder ... its illegal ~ look it up. The original mortgage company XXXX XXXX XXXX XXXX..told us before we were ever late for a payment, when i called them to tell them i was an injured XXXX XXXX on duty and lost my job and the economy crashed and my husbands carpentry business went under, they told me the only way they could help us was to default on mortgageYES they said thismiss 3 payments and we can then help! That was a disgusting damaging LIE that started this disaster for us..we missed payments we could not recover from..it destroyed our credit beyond repair. We have never truly been heard and we have begged and pleaded for the judge and state of NJ to please take this very seriously! We have been done totally wrong from 2006 to now. We never have an answer! We have been told over years the foreclosure is dismissed with no explainations..sold over and over ... different law firms have picked it up! We have never been able to resolve it properly and its been XXXX for our family!! I urge you to please help us!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
They are charging me a late fee for a mistake that they made. There are now two different account numbers. I paid before the due date so I wouldnt get a late fee. Total was {$64.00} and now I am receiving more late fee bills for now {$160.00} I already called them and they dont care and just want the Money. The money has already been taken out of my account when I paid over the phone on XXXX Then there was an issue with wrong account and somehow there are two accounts so I paid it again because they sent me a letter stating it was the wrong account. Why are there two account? Someone messed something up and doesnt know what theyre doing and one account needs to be closed. They dont want to help me when i call they keep putting me on hold and i gave them account numbers and no one is helping me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This complaint concerns getting access to My Equifax account, as well as, obtaining a credit report from them. Trying to resolve the issues started in XX/XX/XXXX. 

I created a My Equifax account after discovering that my credit information was stolen during their security breach. I applied for a credit card in XX/XX/XXXX and was refused because they were unable to get needed information. I was unable to temporarily remove the credit block because I am unable to sign into My Equifax account even though I have the correct password. 

After hours and hours on the phone, mailing information to prove my identity, faxing more information regarding my identity because the mailed documents, I was told, were not received. That scares me. I eventually made some head way and received an email to reset my password on XX/XX/XXXX but the link did not work, and I have been faxing and asking for assistance to resolve the issue since and have had no answer. I also filed a complaint with the XXXX XXXX XXXX XXXX XX/XX/XXXX but there was no resolution through that complaint. 

My last fax to Equifax was on XX/XX/XXXX giving them until yesterday XX/XX/XXXX to respond and assist me. This was a follow-up fax from XX/XX/XXXX that was never answered. 

Equifax is not working with me and assuring that I can get into my account, a very simple request. This situation consumes an enormous amount of my time and creates immense distress and hardship for me, especially, since I can not conduct business freely or get needed credit information. It is for these reasons that I am turning to you, be an advocate, so this can be resolved. 

This is a formal complaint against Equifax and its business practices, which I feel are unjust and not consumer friendly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: Bread Financial Holdings, 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:
XX/XX/2022 I reached out in regards to his complaint multiple times with this company and have yet to remove any items on my credit report. Per 15 USC 6801-6805 I can opt out, especially if I did not have clear disclosure to reporting and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. I also included everything down below in the letter explaining my concerns. You all have violated my privacy and my personal information and must do whats right to the consumer upon request. Thank you, see attachments below sent off the following credit bureaus please remove me from all credit reporting agencies and update my report properly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Key 2 Recovery, Inc.
State: IN
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:
Previously I filed COMPLAINT ID XXXX in XX/XX/2021. The company responded that after contacting their client, the closed the account in their office. I have tried to get XXXX to remove this collection item from my credit report since it is not owed to their office but they refuse. I disputed with the cresit Bureaus and XXXX still has this listed as an active collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: AZ
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 is incorrect

Complaint:
I have tried to update address and check to see if credit freeze is still on. Equifax will not let me log in and when I call the number they tell me to I still cant update without going through a process which I cant trust. After giving them all the info they request, they then tell me I have to send a copy of my drivers license and social security card through the mail to them. I did not have one single problem with XXXX and XXXX. I feel like this is too invasive and possibly a scam. I understand the need for security measures, but this js dangerously excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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:
I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
Please see below the summary of the accounts that are needs to be correct or update immediately. 
DPT EDXXXX XXXX XXXX {$11000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$3100.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$18000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$2100.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$10000.00} XX/XX/XXXX DPT ED/XXXX XXXX Balance {$5600.00} XX/XX/XXXX DPT EDXXXX XXXX XXXX {$8000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$4200.00} XX/XX/XXXX DPT ED/XXXX XXXX Balance {$940.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$6900.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$10000.00} XXXX XXXX, XXXX DPT EDXXXX XXXX Balance {$6200.00} XX/XX/XXXX DPT EDXXXX XXXX XXXX {$16000.00} XX/XX/XXXX DPT EDXXXX XXXX Balance {$14000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$6200.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$4100.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$3400.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$11000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$25000.00} XX/XX/XXXX 2007

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 2018-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since XX/XX/XXXX XXXX  XXXX has been reporting false information to my credit le held by their organization. I aware that Public Records type information is public. I am also aware that main provider of this information is XXXX. Therefore, XXXX  XXXX is in violation of the Fair Credit Reporting Act for false reporting. 

My rst attempt to resolve the false reporting of information was received via certied mail USPS ( XXXX ) on XX/XX/XXXX. In the letter I challenged the accuracy, compliance and report-ability of the listing. XXXX XXXX  responded with a letter claiming to have veried the public record. I sent a letter to the UNTIED STATES BANKRUPTCY COURT - XXXX XXXX of Alabama formally requesting their procedure for verifying records with the credit reporting agencies. The Bankruptcy Clerks Ofce stated, Credit reporting agencies regular collect information from the petitions led and report the information on their credit reporting services. How did XXXX XXXX verify the public record if creditor, in this case, UNITED STATES BANKRUPTCY COURT does not provide information to credit reporting agencies? 

My second attempt was received via certied mail USPS ( XXXX ) on XX/XX/XXXX. I again requested validation, accuracy, compliance and report-ability of the listing. I also attached the letter from the UNITED STATES BANKRUPTCY COURT, and requested their method of validation, and declare an opt-out of e-oscar verication. Once again XXXX XXXX response deemed the information veried. 

Laws I can potential le for : 1 ) FCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals of the Third Circuit Court Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( D.C. No. XXXX ) 2 ) US Court of Appeals, Ninth Circuit, No. XXXX, XXXX vs. XXXX XXXX FCRA rules allow for up to {$1000.00} per violation. First Communities will also be liable for any court fees.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : $ {$34000.00} ; XXXX XXXX Balance Owed : $ {$34000.00}.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-12
Company: Blackhawk Network Holdings Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Received yesterday an XXXX of XXXX XXXX  XXXX card and activated it at MyPrepaidCenter.com. Its value is {$100.00}. After registering, I attempted to make a purchase on XXXX, which is listed as one of the stores where the card is accepted. The attempted purchase amount was {$50.00}, but the transaction was declined. I thought I may have typed in the number wrong, so I tried again, but it was declined again. I attempted to contact MyPrepaidCenter, but the automatic response system does not give me access to a person. Finally, after just one hour of this, I noted my balance was {$97.00} with no transactions noted?

Company response to consumer: Closed with explanation