BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-27
Company: First Credit Services 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:
NOTICE OF FRAUDULENT ACCESS TO MY NON PUBLIC PERSONAL INFORMATION. No express written consent was provided. My right to privacy was breached by FIRST CREDIT SERVICES. I am claiming harm by way of TRESSPASS, FRAUD, EXTORTION, RACKETEERING & IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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:
I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX 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 XXXXXX/XX/2021

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 2023-06-28
Company: TRANSUNION INTERMEDIATE 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2021-07-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Friday XX/XX/2021 at around XXXX pm I received a text notification from Chase about a quickpay transaction that was in process asking if I was doing it like they usually do. I answered no and they replied saying that I couldn't use my account until they talk to me and gave me a phone number they were going to call from and mentioned that it was the number on my card. Five minutes later I received a call and before answering I verified that it was actually the number on my card, the customer service number from Chase. The person didn't ask me any personal information just verifying the name of the person on the transaction to see if I knew it and my email address and I again said that I didn't process it. He mentioned that XXXX XXXX was the bank that was requesting the money and that they said that the only way to process the refund for the money was to process another transaction to myself using the email address on my account for the {$600.00} which I did because I was sure that I was talking to someone from Chase Bank and I was sending the money to myself. After that he told.me that they'll take care of everything and my account will be blocked for 48 hours. Since the money was taken from my account I went to one of Chase branches to see what was happening with my money and they told me that they can't do anything because I initiated the transaction, that it looks that somebody copied their phone number to do the scam. Something that I believe is not fair because how I was supposed to know that the person calling wasn't actually one of their employees if I verified the number on my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
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: Public record information inaccurate

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Portfolio Recovery Associates filed a lawsuit against me in XXXX State Court in XXXX of XXXX, without contacting me. When I found out about the lawsuit in early XXXX, I submitted a request to produce documentation and evidence supporting their claim, and I notified them that there had been a dispute filed by me against XXXX XXXX  in the XXXX timeframe regarding " over-limit '' fees charged as a result of late fees that raised the balance above their own limit - in direct violation of the congressional CARD Act of XXXX. Portfolio Recovery Associates refused to provide the documentation I requested, and as a result XXXX  State District Court Judge XXXX XXXX dismissed their lawsuit in XXXX of this year, XXXX. 

I submitted a recent dispute to XXXX when I found that the XXXX accounts were still listed as negative items in my credit report, but Portfolio Recovery Associates has denied the dispute, and continues to have a negative impact on my credit report, which has now resulted in continued damage and a rejected mortgage loan application.

I now know that PRA has a history of doing similar damage to other individuals, that has resulted in action on the part of the CFPB in XXXX and early this year. If I would have known that earlier I would have contacted CFPB before the most recent action against Portfolio Recovery Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
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:
This is my multiple requests to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-12
Company: Shellpoint Partners, LLC
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: Account information incorrect

Complaint:
I have a Mortgage with Shellpoint Mortgage Servicing and fell behind due to XXXX causing a Loss of Income, my acct was in Forbearance then Denied Deferral, unwillingly I accepted a unreasonable Repayment Plan instead of accepting a Higher Rates and Longer Term XXXXffered by XXXX XXXX in lieu of Foreclosure after 10 Plus Years, was helped by a Family Member and Ended the Repayment Plan after 5 Payments on XX/XX/21 and brought Acct Current, as of today Shellpoint has Reported to the Credit Bureaus that my Last Payment was on XX/XX/21, Reporting my Now Invalid and not in Effect Higher Repayment Payment Amount, also the {$3800.00} Payment I made in XXXX is Reporting as a Increase in my XXXX Balance instead of a Decrease even though on their Website the Info is Current. 
This action has caused by Credit Score to drop by XXXX Points making it extremely difficult for me to Refinance My XXXX and Depart from this Co, as it seems they are making it very difficult me to leave. 
I think the XXXX Co is trying to get back at me for their Predatory Wrongdoings I Filed in my previous Complaint number XXXX Submitted on XX/XX/21. 

I would sincerely appreciate if someone could take a look at this Co Unethical Business towards their Customer the Consumer. 
Thanking you in Advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 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 2023-11-22
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: Information belongs to someone else

Complaint:
This is my multiple 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-26
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I send payments to this company in certified check and certified mail that must be signed for. I should that is is received but the stated I received does not show the XXXX payment. I have enclosed the information showing this. Not sure there problem. I do not want a late on credit report and I do not want a late payment charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
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: Information belongs to someone else

Complaint:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2022-12-27
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: Reporting company used your report improperly

Complaint:
According to the credit reporting acts the list with the account below have violated federally protected consumer rights to piracy and confidentality under 15 usc1681 section604 also states can not change account without my consent all my negative accounts on my experian transunion need to be deleted asap I would like my credit report to be cleared and all my negative account deleted thank you very much.

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 2023-06-28
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I got two letters in the mail from PayPal Credit indicating I have a balance that needs to be paid. When I call the number listed to find out more information it asks for my social security number without giving me the option to talk to a representative. I go to the website ( paypal.com ) and there's no indication of any payments that need to be made. I tried to close my account and it says I cant unless I transfer the sum of money to my debit card. I believe this is a scam.

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 2021-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am the consumer, the natural person and original creditor as pursuant to 15 usc 1692a ( 4 ). I do not validate the alleged debt from Capital One. Capital One has violated my federally protected consumer rights. As pursuant to 15 usc 1602 ( j ) I the consumer have a open end consumer credit plan, and the account doesn't reflect that which is a violation of my consumer rights. Capital One has attempted to communicate through the mail in connection with a alleged debt and without my prior consent, which is a violation as pursuant to 15 usc 1692c ( a ). Capital One 's conduct is harassment as pursuant to 15 usc 1692d ( 2 ) in connection with the attempt to collect the alleged debt. Capital One has used false and deceptive representations of the amount of the alleged debt which is a violation as pursuant to 15 usc 1692e ( a ). If the alleged debt is owed why is there a positive balance? Capital One has shown unfair practices using symbols on the envelopes which is a violation as pursuant to 15 usc 1692f ( 8 ). Capital one has furnished deceptive forms as pursuant to 15 usc 1692j ( a ), since I am the original creditor and I am not participating in the collection of the alleged debt. I have notified Capital One in writing that I refuse to pay the alleged debt and wish Capital One to cease & desist further communication. As well as sent an affidavit and validation of debt requesting to tell me who is the original creditor, all sent certified mail along with a an invoice. Since Capital One has failed to comply with provisions of 15 usc 1692 Capital One is liable as pursuant 15 usc 1692k ( 1 ) and 15 usc 1692k ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit application of XX/XX/22 was fraudulent. Contacted Capital One to notify them of the fraud. They updated their file, but the XXXX credit reporting agencies still have the inquiry on file. Requested that they remove the fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
I started a refinance application with my current lender, Wells Fargo, on XX/XX/XXXX. I paid my appraisal fee the day I applied per my mortgage consultant. 
I expressed concern to the fha specialist who told me I may not pass for a loan because of repairs. I contacted my consultant about this concern and was told that it would be fine as long as I could live in my house as I already do. I was further informed the appraisal would be my only out of pocket expense when I expressed concern if I needed another appraisal or inspection. 
I had a closing date of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No one called me proceeding these dates and just allowed them to pass by. The appraiser did not come until XX/XX/XXXX. 
I received my appraisal a couple weeks ago. I was told that I now need a foundation inspection. I said I didnt want to go through with that. X my consultant told me that he would notify underwriting my foundation is free from crack, bulging, or decay. Next thing I know, I check my task list and it shows the the inspection fee added to my loan estimate. 
All these issues are in addition to the reps continually asking me for a XXXX w-2 for an employer I didnt work, resubmitting documents that everyone has at hand, and blatant miscommunication among them. The consultant has also went as far as telling me he was telling the fha specialists manager that he shouldnt have given me information about possible approval for repairs. Im now out {$860.00} for an appraisal that I was told shouldnt affect my approval since I already occupy my home. Ive been lied to, then hit with sneaky surprise charges. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The phone line is always open and answered. They have the right number. Tired of the games.

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 2023-07-28
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The Company Lexis Nexis is reporting public records that I have a 100 % discharge on my report and that is inaccurate. I have no discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: EQUIFAX, INC.
State: TX
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have unauthorized transactions all the time from chase. This time I had unauthorized XXXX transactions in which I reported. They are denying my claim which is around {$1200.00}. These transactions do not make sense as its different amount of XXXX sent to another person. I do not know what I am supposed to do and need help for this to come to a resolution.

Company response to consumer: Closed with explanation