BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$4900.00}.

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 explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Company reporting negative information on my report. 
Company using personal information without consent. 
Company obtained personal information without consent. 
Company reports negative information on my report to extort payments. 
I have not done business with Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 paid {$2000.00} for a one week stay at XXXX resort in XXXX XXXX. However, I had to leave 2 days early. The resort agreed to refund the remaining balance of {$570.00}. I have a email from management authorizing the refund. Now the resort wants to charge me the {$570.00}. I have contacted the chase cradit card company but getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Out of nowhere I received a letter from XXXX XXXX XXXX that a notice of default was filed against my property, on a XXXX XXXX ( HELOC ) that I had applied with XXXX XXXX  XXXX. on XX/XX/2007. Since then, I did not receive a mortgage statement nor a payment from anyone in 15 years. XXXXXXXX XXXX never contacted me since the crash of XXXX. I contacted XXXX XXXX XXXX who took over XXXXXXXX XXXX loans and was not able to help me. I have been receiving phone calls from Specialized Loan Servicing company from a representative XXXX, she has been harassing me and telling me that if I do not send her a copy of my payoff from my first mortgage XXXX holder that they will foreclose on my home. XXXX gave my information without my consent to a loan officer XXXX XXXX ; XXXX XXXX was texting me telling me that XXXX from SLS had given her my phone number without my consent ( See attached Text message ). XXXX would call me and tell me that she could talk to XXXX to stop the foreclosure, and this was the only way to stop the foreclosure. Both XXXX and XXXX were always intimidated telling me what to do and that I didn't qualify, and I was going to lose my home. I have a XXXX XXXX on my home, and I am XXXX, and this was a huge surprise for me and my children. I had my niece call Bank XXXX XXXX and said that the XXXX HELCO was cancelled ( see attached letter from XXXX XXXX XXXXXXXX ) XXXX also at the beginning said they could help modify but at a higher loan amount. My XXXX XXXX loan amount was XXXX with XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Capital One Bank is reporting duplicate inquires that I do recognize. Duplicates not authorized at no time do I recognize these duplicate inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
After firing a Financial Advisor, XXXX XXXX, for stealing XXXX from my IRA which I recovered, I received back my documents. Among them were three fraudulent XXXX advice of Credit ordering from XXXX XXXX XXXX XXXX XXXX acct XXXX to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX  said it did not have an account under my name or social security number and the account number does not link to me. XXXX can not identify the transactions but has not reported the fraudulent advice of credit forms to the police and has told me that it is a civil matter. The XXXX Advice of Credits may be dated in XXXX format which would place them in 2012. I do not know the reason behind these fraudulent bank documents and am concerned that an unknown account at XXXX XXXX may in fact have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: MO
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:
It has been a battle going through all these and the Credit Bureaus have been ignoring my disputes despite the countless written requests and CFPB complaints I have been sending. I am willing to file a lawsuit against the Credit Bureaus for their willful non-compliance with the Fair Credit Reporting Act which protects a consumer 's rights from erroneous reporting. I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have 30 days left to remove the following accounts completely from my Credit File : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2019 XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 5th 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX  Balance : {$160.00} ; XXXX XXXX XXXX  Balance : {$160.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-06-27
Company: Experian Information Solutions Inc.
State: NY
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:
See attached documents, the personal information you are reporting are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: LJ Ross Associates
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
L J ROSS ASSOCIATES, INC placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. never receive written notification of this alleged debt at my address of XXXX XXXX XXXX, XXXX PA XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY SERVICER SPS " SELECT PORTFOLIO SERVICING '' AND WAS RECENTLY DENIED DUE TO IT IS NOT IN THE FINANCIAL INTEREST OF THE INVESTOR OF MY LOAN. I WANT TO BREAKDOWN THE SEVERITY OF THAT STATEMENT. 

THE REASON MY HUSBAND AND I ARE DELINQUENT IS DUE TO MY BROTHER-IN-LAW WHICH IS THE THIRD CO-BORROWER OF THE LOAN PASSED AWAY WHICH MEANS OUR INCOME FOR THE HOUSEHOLD DECREASED KEEPING US UNABLE TO MAKE THE MORTGAGE PAYMENT AT THE TIME. 

IN ADDITION, THE INVESTORS FINANCIAL INTEREST IS TO NOT MODIFICATION MY LOAN BECAUSE THEY WANT TO TAKE THE EQUITY OF OUR HOME. MY HUSBAND IS A XXXX XXXX XXXX XXXX MAN AND SPS AND MY INVESTOR THINKS I AM GOING TO JUST LAY DOWN AND LET THEM STEAL MY HOME BECAUSE THAT IS EXACTLY THEIR INTENTIONS. THEY STATED THAT THEIR INTEREST IS NOT HELPING US BECAUSE WE HAVE EQUITY AND THEY WILL RECEIVE A FINANCIAL GAIN BY JUST SAYING NO TO US TO TAKE OUR EQUITY. IT HAS NOTHING TO DO WITH OUR INCOME, OUR FINANCIAL HARDSHIP, DEATH IN THE FAMILY AND THEIR CO-BORROWER JUST MY EQUITY. I AM FILING A COMPLAIN WITH THE FTC, MY STATE ATTORNEY GENERAL XXXX XXXX INFORMING THEM THAT YOU ARE PREYING ON XXXX SENIOR CITIZENS FOR FINANCIAL GAIN. THIS IS COMPLETELY OUTRAGEOUS!! IF YOU THINK YOU ARE GOING TO COLLECT MY PROPERTY FOR YOUR FINANCIAL GAIN YOU HAVE ANOTHER THING COMING, I WILL SUE EVERYONE OF YOU FOR EVERY FRAUDULENT VERBIAGE AND LAW BROKEN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 pay all my bills on the 1st-2nd of each month. If I can pay more later ; I will if there is a balance. I paid {$250.00} on my XXXX XXXX XXXXXXXX card on XX/XX/XXXX. My minimum due is {$25.00} due by XXXX of every month. I reviewed my statement for XX/XX/XXXX and found I was charged a late fee with interest of {$25.00}. I called customer service and spoke with XXXX a rude representative and XXXX XXXX XXXX account supervisor. I was advised a late fee is charged if the bill is paid before the statement closes even if it is with in the same month. I asked her to show me this on my statement. As a consumer I had never heard of that and it certainly isn't in the bold print on my bill that says " PAY THIS AMOUNT BY THIS DATE OR THIS WILL BE CHARGED ''. I have 2 Credit Cards with Capitol One and an auto loan. I don't make it a habit of being late or receiving fees. I asked for the {$25.00} fee to be removed because this information I was not aware of. A late fee is applied in the same month as a payment meeting or exceeding minimum. I was advised they could not do this. The reasoning and charging late fees for a bill paid on time is not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-16
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/XXXX, I asked XXXX, Experian and XXXX to verify two accounts ( XXXX XXXX and XXXX ) that were reporting inaccurately. They responded on XX/XX/XXXX stating that the Original credit, past due, terms and rating were updated on the XXXX Account for XXXX and the XXXX   account remained the same. 

I then responded on XX/XX/XXXX to XXXX, Experian and XXXX because XXXX was still reporting inaccurately with three different months for the same late payment. XXXX reported XX/XX/XXXX, Experian listed XX/XX/XXXX and XXXX reported XX/XX/XXXX. XXXX  has since removed the late payment, however, it remains on Experian and XXXX. If the same creditor is verifying payment history on the account to all 3 of these bureaus, then how can the dates be different across both bureaus? 

I also responded to on XXXX XXXX to the XXXX account still reporting inaccurately with different dates of last activity. XXXX has it listed as XX/XX/XXXX, Experian has it listed as XX/XX/XXXX and XXXX has it listed as XX/XX/XXXX Again, how can these dates be different if the information is being verified with the same creditor? 
The bureaus responded and XXXX is still reporting with different date of last activity as XX/XX/XXXX for XXXX, XX/XX/XXXX for Experian and XX/XX/XXXX for XXXX which is inaccurate.

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 2018-10-29
Company: EQUIFAX, INC.
State: OH
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 XXXX was reporting account number XXXX on my credit report as being 30 days past due XX/XX/2014 and 60 days past due XX/XX/2014. I did not realize that I was ever late on these dates so I requested the Credit bureaus to do an investigation to ensure this account was reported accurately. Well when the results came back, XXXX updated my account to show that I was currently past due. I have attached a screen shot of my account from XX/XX/XXXX and attached a screenshot of my account from XX/XX/XXXX so you can see that the payment status shows that I am currently past due. How is that possible? How can I be currrently late when the account has been closed since XX/XX/2014. This caused my credit scores to drop 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I currently have a loan with OneMain Financial and I am behind in my payments. They consistently call my phone - at least 4 times per day. Twice in the morning and again twice in the evening. I was able to answer a call on Saturday, XX/XX/2016 around XXXX only to be chastised about not being able to speak with a representative. After explaining that I was in a rush to head out of the door but would call back to discuss a payment arrangement, I was then interrogated as to what were the exact reasons behind my financial difficulties and when could they expect a payment. After again explaining that I was in a rush and unable to speak, the representative then stated that " they had been trying to reach me and could n't understand why I did n't have time to speak with her then ''. I then informed her that I did n't have time to speak with them b/c I was busy trying to find a way with work in order to pay the outstanding balance. At that point I again mentioned that I would return their call and ended the conversation. I understand that there is a balance due but this company has constantly harassed and threatened me and my fiance regarding our account. We have been paying down an account we opened years ago and still have more than half remaining. Their accounting figures do n't match what we 've paid and on top of that, they are n't easy to deal with. Given the nature of the economy and so many people having difficulties, it would be thoughtful enough of this company to not only provide training to their representatives regarding accounting practices but simple courtesy and compassion could go a long way. The constant phone calls and veiled threats to send the account to " legal '' - whatever that may entail - are over zealous and obnoxious. I have done a lot of research online regarding their company and their practices and it has considerably gone down over the years that I have had the account. My goal is to find any way possible to pay off this account and I will NEVER open another account with them again and WOULD NOT recommend anyone to use this account no matter how dire the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
So I get this alert today from the Credit Bureaus that a new Hard Inquiry was added to my credit reports. And Im curious on how they got there because I have not applied for any kind of credit or credit card. Im flattered how the Credit Bureaus allowed this to hit my report when I have my credit reports locked. 

I assure you 100 % the hard credit inquiry that hit my credit report today was not done by me and I will continue to file complaints until it is removed from all 3 reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: CA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX and UNSTOPPABLE XX/XX/XXXX. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2018-08-23
Company: ENCORE CAPITAL GROUP 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:
I have disputed this account with Midland regarding the inaccuracies that they are reporting amongst the 3 bureaus, yet they continue to respond that the information is accurate and verified. The following inaccuracies are reflected : *The date opened differs among the bureaus *Midland is stating account type as factoring on XXXX, open on XXXX  and Collection type on XXXX ( all inaccurate and pecuniary ) *The payment history varies among the 3 bureaus ( XXXX  codes failed to  pay and starts payment history in XX/XX/XXXX even though they denote the account as being opened in XX/XX/XXXX ; XXXX reflects payment history from XX/XX/XXXX and all ok even though they denote the account as being opened in XX/XX/XXXX??? XXXX reflects no payment history *Midland reflects on XXXX  terms of 1 month, yet I never entered into any type of agreement or contract with them Lastly, in my most recent communication with XXXX ( see attached ), I requested an agreement that states their authority to collect on this alleged debt, an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, as well as complete accounting of alleged debt. Midland did not oblige. Midland merely sent a statement that did not reflect any comprehensive accounting. 

Midland did not provide any credit card agreements that would further substantiate their allegation. These inaccuracies reflected among the bureaus as well as the fact that Midland did not provide any credit card agreements warrant this entry to be removed from my credit reports.

Company response to consumer: Closed with explanation