BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-31
Company: Freedom Mortgage Company
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
In XXXX XXXX XXXX we received the escrow year projection for our mortgage. For some reason the PMI had jumped from XXXX to XXXX per month for no reason. We connected the mortgage company to have the PMI removed off the account. A written request was then sent in. The mortgage company then said we would have to wait til the balance was below 78 % of the value which the home was already at or we can pay XXXX for a property value evaluation. So, we paid the XXXX , Never got the evaluation from the company that did it. They said we had to get it from the mortgage company. On XX/XX/XXXX we finally got a letter saying the pmi would be removed on the XXXX day of the next month. Which should have been XX/XX/XXXX. But we where still charge ever month after that and the new escrow statement shows it for all of XXXX. I have enclosed the statement and the escrow statement as well. 
The house was bought on XX/XX/XXXX for XXXX and the loan was for XXXX So at 78 % would have been at XXXX in XX/XX/XXXX the balance was XXXX They PMI should have been dropped then, but since the time of the load reaching 78 % will have still been charged the PMI.

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 2023-11-27
Company: Early Warning Services, LLC
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:
On the day of XX/XX/2020. I received a personal check from a customer for {$13000.00} from their bank which was XXXX XXXX XXXX XXXX XXXXXXXX. I deposited the check into my checking account ( XXXX XXXX XXXXXXXX ) Like any other check it was verified and came back invalid. I had no knowledge that the check was invalid. XXXX XXXX XXXXXXXX ended up closing my account and asked me to pay a closing fee. I payed the fee to XXXX XXXX  XXXX which I was told by a customer representative that it with that being paid they will remove all negative remarks from my banking report. I recently got a hold of my banking report and found out that they are reporting negatively on my report as fraudulent. They are not trying to remove this claim of my banking history with XXXX and Early Warnings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
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:
It seems although things are still being put on my credit report although I did the last report. It seems someone has stolen my identity to the point where I am not sure which is which. My passport was also recently lost. Late payments are being reported to my credit bureau although I had no idea of such 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 explanation
Consumer complaint received 2023-11-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Subject : Request for Account Deletion Under Consumer Protection Laws Dear Portfolio Recovery Associates, I am writing to address ongoing concerns regarding the account ending in XXXX that you are currently managing. I believe there are valid reasons, in accordance with consumer protection laws, for the deletion of this account. Below, I outline the key points supporting this request : Verification of Debt ( FDCPA Section 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive verification of the debt. Despite previous requests, I have not received the requested documentation, specifically the original contract with a wet signature. The FDCPA mandates accurate verification, and without this essential documentation, the legitimacy of the debt remains in question. 
Accuracy of Reporting ( FCRA Section 1681s-2 ) : The Fair Credit Reporting Act ( FCRA ) requires accurate reporting of consumer information to credit reporting agencies. Relying solely on credit card activity as proof may not be sufficient to meet the standards of accuracy outlined in the FCRA. I urge a thorough review of the information furnished to ensure compliance with the FCRA. 
Cease Communication Request ( FDCPA Section 1692c ) : Pursuant to the FDCPA, I previously requested the cessation of communications regarding the PRA account. If communication persists, it may be deemed a violation of the FDCPA, and I request immediate compliance with the cease communication request. 
Access to Original Contract ( TILA Section 1635 ) : The Truth in Lending Act ( TILA ) grants consumers the right to request and receive a copy of the original contract with a wet signature. I have not received this document despite previous requests, and I request its immediate provision. 
In light of these concerns and in adherence to the aforementioned consumer protection laws, I kindly request the deletion of the account ending in XXXX from your records. 

Please acknowledge receipt of this request and provide a timeline for the resolution of these matters. Your prompt attention to these issues is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: AR
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 am a victim of identity theft and my FTC paperwork is not being processed properly by the credit agencies when I am submitting disputes to remove the accounts. I am also not getting copies of the verification process according to the FCRA.

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 2023-11-24
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB, my name is XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from XXXX XXXX XXXX and it is showing on my credit report without my consent. I have no contract with National Credit Adjusters and have given no consent for them to use my name, likeness, or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like TransUnion to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$3000.00} and not more than {$300000.00} as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( XXXX ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a debt collector trying to claim an account that i dont recognize as mine. This account was opened on XXXX and they cant validate this account as mine..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is causing me pain and suffering. XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  are in violation of the Privacy Act of 1974. I did not give XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  consent to report my nonpublic personal information. As well as, I do not ever remember doing business with any of these companies. Because my privacy rights are being violated, my family and I are suffering emotional damages, mental stress and health issues. I am suffering emotional damage while I am trying to purchase a safe and suitable home for my children. Me and my children will be homeless, because I cant get a home. All because Experian has falsely obtained and disclosed my nonpublic personal information without my written consent required by public law. I am exercising my right to opt out of Experian disclosing and collecting my information on these accounts, 15 U.S.C. 6802 6804 Obligations with respect to disclosures of personal information. Experian is a non-affiliate third party to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Because these companies sent my personal information to Experian more fraud has been committed against me. I would like for Experian to give me the document I signed to give consent to share my nonpublic personal information. And if Experian somehow finds forged consent, I still have an inalienable right to exercise my right to opt out. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' Delete and block these accounts that are disclosing my nonpublic personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX While looking over these accounts I have found a plethora of inaccuracies that are violations of the FCRA public law. My legal counsel is prepared to file civil suit ; however, I am giving Experian the chance to resolve this issue outside of the courts.

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 2024-01-25
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit 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:
Barclays Bank jetblue credit card sent me a card with a new expiration date by mail since it was about to expire in XX/XX/XXXX. While I was waiting for my credit card in the mail, I received an email saying that my card was activated when Ive NEVER received the card and I DID NOT activated it. Someone stole it and used it and made a transaction for {$2600.00} in a car dealership in XXXX, over XXXX miles away from my house. 


IMMEDIATELY, I called Barclays JetBlue Credit card company to inform them of the theft. They removed the fraudulent amount from my credit card and sent me a new one with a new number. I thought that issue was taking care by the BARCLAYS BANK since it was a fraudulent transaction. 

Unfortunately, XX/XX/XXXX, Barclays Bank placed {$2600.00} back onto my credit card, when Ive NEVER authorized or validated it anyone for that purchase. I have never made that transaction neither did I got any benefits from that. 


XX/XX/XXXX, I got a letter from Barclays Bank letting me know that I was not responsible for that fraudulent transaction and removed the fraudulent activity from my credit card. 


HOWEVER, what makes me concerned about this letter is that last paragraph says that if the merchant is able to validate the transaction again, THE TRANSACTION MADE BY A THIEF WHO STOLE MY CREDIT CARD, Barclays Bank could place the fraudulent transaction of {$2600.00} back onto my credit card. REALLY!?! 


Barclays Bank still continuing with threats, harassment abuse and mistreatment towards me. 

I have never gone through a situation as stressful and traumatizing as what I am going through with Barclays Bank. 

If someone stole and used my credit card, Barclays Bank and the merchant will accept/ validate this transaction without asking for an identification, notifying me or verified me by email or text message if this transaction was made by me. Are Barclays Bank trying to hold me accountable in the future for a fraudulent charge that a thief/scams made with my credit card?. They need to remove this amount from my account definitely.

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 2023-11-27
Company: EQUIFAX, INC.
State: NY
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 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 non-monetary relief
Consumer complaint received 2024-01-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My phone and my wallet was stolen and some one used my info to withdraw {$600.00} from my account that I did not authorized. Once I noticed this I immediately contacted Wells Fargo to file the claim. I called them to get an update on the claim and they told me that they denied but would not tell me why. I have filled a police report and I told them that I will give that police to further support my claim but they told me no that it would not make a difference. At this point I feel Im being discriminated against because Im a XXXXXXXX XXXX because they are questioning my integrity and being very insensitive when I told them that my things were stolen.

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 2023-11-24
Company: EQUIFAX, 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:
Hello, I am a Victim of Identity Theft. I discovered in XXXX that numerous accounts have been opened under my name that I didn't authorize and immediately began to try to correct it. I told Equifax about all the accounts that were a result of Identity Theft and showed numerous reports and evidence proving that I DIDNT OPEN THE ACCOUNT. On XX/XX/, I came to an agreement with the creditor and had to PAY to close out the account even though it was a result of Identity Theft. When speaking to the creditor, XXXX XXXX, they told me how Equifax didn't thoroughly investigate per the FCRA laws. The representative also commented how there are numerous inconsistencies to how Equifax is reporting the fraudulent account. Due to Equifax 's incapability of doing their job, I was forced out of my apartment due to an eviction. Had Equifax blocked the account like I asked them to MONTHS ago, I wouldn't be facing homelessness right now. I was denied lines of credit because of this ONE account. I am seeking civil litigation against Equifax and I demand compensation for their carelessness. They took full advantage of the situation and did not properly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift 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 explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 non-monetary relief
Consumer complaint received 2023-11-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I and my wife are guardians for our XXXX XXXX son. My son receives Social Security ( SS ) funds and wages as a part-time employee in a supermarket. In the past the SS funds and wages were put in the same checking/savings account at JPMorgan Chase bank . However, I was told by XXXX XXXX XXXX XXXX that the funds should go into separate bank accounts. So, on advice of my attorney, I attempted to open a guardianship account in Chase approximately XXXX weeks ago. The guardianship account was opened, but immediately was placed on hold and the pre-existing checking/savings accounts in which the SS funds and wages were deposited were also put on hold. No one at Chase can tell me why the accounts were placed on hold nor what I needed to do to unfreeze the accounts. In the meantime, my XXXX son can not access his money to pay his expenses and bills, so I have had to cover them for him. I have been in daily communication with a banker and branch manager at Chase XXXX XXXX, NY branch ) and despite many apologies, no one has been able to help me. How Chase has handled this is reprehensible as this is affecting a developmentally XXXX adult who has elderly parents as guardians. There is nearly {$30000.00} in the frozen checking and savings accounts that my son can not access now and I don't know if his monthly SS direct deposit funds will be accepted into the frozen accounts so he may lose that money as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: NC
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 am formally requesting this letter to update this account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation