BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-01
Company: Resurgent Capital Services L.P.
State: VT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I requested my credit report in XXXX of 2021 and when I viewed them I found a collection on my credit. This is not my debt to owe. When I contacted Resurgent Receivables LLC on XX/XX/2021 which was the initial contact, they did not send me a written notice within 5 days. I had to write them a letter on XX/XX/2021 needing them to validate the debt. Furthermore upon reviewing the debt that is not mine, there seems to be interest and other charges tacked onto the amount owed which also does not follow FDCPA. I was never once contacted about this debt. See section 808 ( 15 USC 1692f ) and 809. Validation of debts ( 15 USC 1692g ) on why this company does not follow FDCPA. I need this debt to be removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: CA
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:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.

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 2022-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My Mom is a veteran who had a fiduciary who works for the veteran affairs. It was made out to the landlord. Im put the check into my account that my name and my moms name was on. The check was said to be cleared within one business day, a day later XXXX business days. This occurred on XX/XX/2022. They have taken all access for me to login. My landlord which we were not able to move in due to the hardship this bank brought upon my family, has spoken to them, my mom, and myself. WE HAVE DONE EVERYTHING THEY HAVE REQUESTED. They have been completely dishonest and have violated all federal regulations. WE HAVE CALLED 82 times. We have been told 5 times the check will be mailed. We have no access to the account to know whether or not our funds are there. A statement was sent out last month which is has false information. We have received nothing in writing the reason the veteran who is my mom funds are being withheld. They have been rude, callous, and completely unprofessional. 
I have also emailed the complaint department. No response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-24
Company: JPMORGAN CHASE & CO.
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit card application from Chase bank was filed and submitted on XX/XX/2020. The application, which was Chase freedom credit card, had been pending for XXXX weeks without notification letter. Thus, I reapplied for the same card on XX/XX/2020, and my request was not approved the next day. And the letter supposed to be sent to my address within a few weeks, however, I have not received it till today XX/XX/2020. Meanwhile, my credit report received two inquiries for these two applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: TX
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-05-29
Company: Bread Financial Holdings, Inc.
State: LA
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:
A duplicate charge of {$630.00} from XXXX XXXX XXXX appeared on my XXXX statement with Comenity Capital Bank. I contacted XXXX and they promptly sent an email and screen shot showing I had made one purchase and they had charged my card one time. I called Comenity on XX/XX/XXXX and followed up with a letter, a copy of the email from XXXX and an enlarged view of the screen shot on XX/XX/XXXX. I paid all of the money due on my XXXX statement except the second charge of {$630.00}. I received a form letter from Comenity dated XX/XX/XXXX indicating the investigation had begun. On XX/XX/XXXX ( 90 days later ), {$630.00} was returned to my balance. I contacted Comenity through a message on XX/XX/XXXX and was told the dispute had been closed and a letter dated XX/XX/XXXX sent to my address. No letter arrived. I called multiple times to discover why the dispute was closed. No one could give me any information. I wrote again through a message on XX/XX/XXXX and once again was told that the dispute was closed and a letter dated XX/XX/XXXX sent to my address. I continued to request by message and phone calls throughout XXXX to receive the letter closing the dispute and reasons why this had occurred. No one could provide any help other than to tell me to file a second dispute which I did on XX/XX/XXXX sending with my new letter a copy of my original letter, the email and screen shot from XXXX, a copy of the purchase order, the email informing me the order had been shipped, and the packing slip to prove I had made only one purchase, not two. I received a letter dated XX/XX/XXXX stating the investigation had begun and would require 90 days to complete. On XX/XX/XXXX, I asked to speak to someone in the USA. The representative here told me the dispute has not been closed even though the 90 days were up, no letter had been sent, and, yes, the clock would be reset to 90 days. Also, I was advised to pay at least a portion of the {$630.00} to avoid further issues until the dispute was settled. Since none of this is my fault, since I have paid all that I owe, since I have repeatedly been lied to and misled, I have declined to pay the statement that will be due on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

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 2023-09-09
Company: Experian Information Solutions Inc.
State: TX
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:
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. 

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 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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Since XXXX I have been mailing TransUnion certified letters ( see attachments ) requesting that they correct blatant inaccuracies and incomplete information on two XXXX XXXX  accounts which they continue to post to my TransUnion credit report. Now despite my letters and contradicting information provided by the original creditor, TransUnion continues to refuse to correct their errors and have only responded by stating that the incorrect information is verified. The incorrect information as of XX/XX/XXXX is : These acccounts are being reported as charge offs even after these accounts have been paid in full and discharged by XXXX XXXX  with issuance of 1099Cs ( see attachment ), the status of these accounts should be closed/paid in full, 2. ) These accounts are missing Payment History, one from XX/XX/XXXX to XX/XX/XXXX and the other from XX/XX/XXXX to XX/XX/XXXX, XXXX. These accounts are not reporting the Date of Last Activity nor the Date of 1st Delinquency, and 4. Without those dates, the Drop Off Date is incorrect.

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 2020-06-13
Company: WELLS FARGO & COMPANY
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:
I received a letter from wells fargo bank, it was about wells fargo account by my name and my address on the letter, that account I did not open, it informs me about checks deposited to or cashed against the account suspected to be counterfeit. 
Wells fargo did identity deft, fraud, opened an account by my name, and deposited counterfeit ( fake ) check to that fake account. I called them immediately after I received the letter and told them that I did not do that, I asked the operator to tell me about this identity deft, fraud, and they told me that it was done online, I asked them to provide me about who did that or from which direction it is coming from, so I can do my part of security measures to avoid further happening or attempts of identity deft, fraud, by my name, they did not provide me anymore of how did that happened, this is a big concern for me, this can harm my financial status. I keep my documents in private, only I have access to them, nobody else has access to them, and my electronic information protected by a password.

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 2023-07-24
Company: Experian Information Solutions 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:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent ( NUMBER OF LETTERS ) previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.

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 2020-06-13
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I disputed my balance that was being reported to the credit bureau against XXXX XXXX credit card company in early XX/XX/2020. The credit bureau tried to verify my balance with XXXX XXXX and they didn't respond at all. Two accounts I have with XXXX XXXX were removed from my credit report causing my score to drop XXXX points. I contacted XXXX XXXX and they advised to mail in a letter stating what happened so the two accounts can be added back to my credit history. That was on XX/XX/2020 the letter was sent. I am still waiting. I called XXXX XXXX today to try to find out the status and was put on hold. The rep left me on hold several minutes and then just put me back in the que and I had to start all over, the second rep was very helpful. Transferred me to another department in disputes. Apparently credit department is still closed and so is the dispute department. Very frustrating because the same thing happened with XXXX and it is all taken care of, within about 10 days time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX and XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
Kindly update or correct these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be repaired 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 non-monetary relief
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These companies are in violation of 18 U.S. Code 1028A. Also, 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!

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 2023-05-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX I fell behind on my mortgage, filled out a XXXX XX/XX/XXXX. 
XX/XX/XXXX it was suggested from a mortgage servicer XXXX that SPS was adding {$200.00} to my mortgage to repay my rears. I have a co borrower on my mortgage, my ex wife. I had given them my quick deed and divorce decree awarding me the home. Every SPS servicer said they didnt know why the rejection of asking for the co borrower information when they had quick deed and decree. XX/XX/XXXX I was told SPS wouldnt take any payments except the full amount. Im in mediation now with state of Illinois and the mediator is asking the same to SPS attorney. 
Weve done this before. Now SPS XX/XX/XXXX is amenable to my XXXX now. But raising my rate 2 % and add {$800.00} to my mortgage payment almost 19 months later

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
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:
sls is the lender on my home on the 2nd deed. they have not responded to any of my inquiries as to why they are taking my overpayments and applying them to interest in the following month and not reducing it to my principal.

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 2023-09-09
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: Account information incorrect

Complaint:
PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2023-06-22
Company: Experian Information Solutions 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: LA
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:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

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 2020-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I disputed my balance that was being reported to the credit bureau against Capital one credit card company in early XXXX. The credit bureau tried to verify my balance with Capitol one and they didn't respond at all. Two accounts I have with Capitol one were removed from my credit report causing my score to drop XXXX points. I contacted Capitol one and they advised to mail in a letter stating what happened so the two accounts can be added back to my credit history. That was on XXXX XXXX the letter was sent. I am still waiting. I called Capitol one today to try to find out the status and was put on hold. The rep left me on hold several minutes and then just put me back in the que and I had to start all over, the second rep was very helpful. Transferred me to another department in disputes. Apparently credit department is still closed and so is the dispute department. Very frustrating because the same thing happened with XXXX and it is all taken care of, within about 10 days time.

Company response to consumer: Closed with explanation