BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: Island Portfolios Services, LLC
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have received XX/XX/2022 documentation indicating that a judgment to execute garnishment for the Amount of {$14000.00} at a rate of 4.25 %. This may also includes seizing any assets and or bank accounts. I have no idea who is the plaintiff and what is the debt for. Try to contact but no answer to the phone in record. Name of the Company is Island Portfolio Services, LLC. Representative of XXXX XXXX XXXX, XXXX. Name of the agent is XXXX XXXX, address of record is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I wanted to add that I am veteran receiving XXXX benefits from both the Veterans Administration and Social Security Administration. This situation is creating a hostile environment and uncertainty of my care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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:
I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2021-12-06
Company: SYNCHRONY FINANCIAL
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:
on XX/XX/2021 I received a call from XXXX checking to see if I filled an application for a PayPal credit card. I told the rep no. and she said she would close the application out and report it as fraud and remove the inquiry. today is XX/XX/2021 and the inquiry is still listed on my XXXX credit report. I would like this removed as I did not authorize this company to run my credit.

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: EQUIFAX, INC.
State: LA
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:
There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$0.00} ( Original Creditor : XXXX  ) XXXX Collection {$230.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Collection {$230.00} XXXX XXXX XXXX XXXX Collection {$18000.00} XXXX XXXX XXXX XXXX Collection {$26000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX Charge-off {$510.00} XXXX  XXXX Charge-off {$12000.00} XXXX  XXXX Charge-off {$790.00} XXXX XXXX  XXXX Charge-off {$6400.00} XXXX XXXXXXXX Charge-off {$510.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied and was approved for a BJ 's Mastercard from Comenity bank in XX/XX/2022. I didn't receive my original card, so reported the card as not received. I still did not receive a card, so I called to request a replacement. This time I was sent a letter advising that Comenity was unable to contact me to at the number provided on my extended fraud alert. I did not get any calls and have no record of their attempts to contact me. I called again to request a replacement card upon receiving their letter that they were unable to contact me. I was told that a card would be issued, but have only received another letter advising that they were unable to contact me. I have answered calls from ANY number that called me in the past month just to be certain that I didn't miss the call to confirm my information. Comenity is the only issuer who seems unable to contact me. I've even received and paid a bill on a card that I have never had in my possession. I just want someone to reach out and confirm that I am the one who requested the card so that I can start using it to earn the rewards that were promised when I applied for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I tried to call into my lender to see if it was possible to get my home re-appraised to delete the insurance/escrow requirements and PMI. The lender refused to give me this information. They said they would send me a response in writing, but that it could be 4-6 weeks for processing. 

I feel this is an intentional effort by the lender to not allow me ( the borrower ) the opportunity to remove insurance/escrow and PMI. This is a very general question that should be able to be answered with a telephone call. In the year XXXX the requirement that the lender will only provide information on this process through physical mail, with a 4-6 week delay seems predatory, and an intentional effort to not allow me to remove escrow and 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 2021-02-05
Company: Rocket Mortgage, LLC
State: MA
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:
Quicken Loans ( rocket mortgage ) are required BY LAW 'CARES ACT!!! TO REPORT THOSE WHO ARE ENTERED IN TO FORBEARANCE AS CURRENT TO CONTINUE TO REPORT THEM AS CURRENT! QUICKEN LOANS ARE NOT REPORTING COSTUMERS AS CURRENT THEY ARE ENTERING A CODE WHICH WHEN IS SUBMITTED TO CREDIT SHOWN AS 'ND '' NO DATA! THAT IS NOT LEGAL AND SHOULD BE LOOKED DEEPLY IN TO THE LAW STATES SPECIFIC CURRENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened my account with M & T Bank because there is a very convenient ATM that I pass every morning and afternoon going to and coming home from work. That particular ATM has been down for maintenance for several months now and that has caused me to have to use ATM machines where I am being charged {$3.00} from my bank and {$2.00} from the ATM. When I spoke with the bank about this situation they have told me several times that they will try to verify that the ATM is still out of service and go from there but I have had no resolution in the past several months. The only advice they offered was for me to use a different ATM that is 15 minutes down the road from my house. That would mean I have to drive 15 minutes to this ATM and then 15 minutes back to my house before I can proceed with whatever I am doing. I find that highly unreasonable. I would like them to refund all of the fees associated with using any other ATMs but the one in XXXX New York because that is the one that is down. To date, I have over {$400.00} in ATM fees because of their machine being down

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 monetary relief
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: WI
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:
we need to update all three credit files at XXXX and XXXX and Experian. first the consumer statement is wrong i need that to have the right phone number in which should be XXXX we need update the security / credit freeze and add an initial extended fraud alert. we also need to fix my credit inquires and accounts removing every thing that was fraudulent and not me.

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 2019-10-03
Company: STATE FARM BANK, FSB
State: GA
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 been dealing with XXXX for several months regarding these fraudulent accounts and inquiries on my credit report. I talked to several people at XXXX Consumer Affairs Office such as XXXX and Ms XXXX and neither representative have removed these fraudulent accounts and inquiries from my credit report. 

XXXX negligence has caused me to not get job opportunities because they refuses to delete and remove these fraudulent accounts. I have sent several letters as well as faxes but XXXX refuses to remove accounts. 

XXXX has violated my rights by not removing and blocking these fraudulent account under FCRA within four days. XXXX is also violating my rights be reinserting fraudulent accounts back in 2014 on my credit report without notifying me within five business days. 

XXXX XXXX XXXX  XXXX representative by the name of XXXX XXXX sent me letters stating for all three major credit reporting agencies to remove these fraudulent XXXX  XXXX accounts from my credit report, but XXXX refuses to follow the law. This is why XXXX is constantly getting sued because they are refusing to obey and follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: GA
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$8000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: CreditNinja Lending, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2021 I received a phone call from my brother stating, that XXXX calling from number XXXX, had called and was trying to find me. He said XXXX also stated that I owed a lot of debt and that I needed to be reached. He stated that XXXX got his number after he ran a background check on me. I also received a call from my mother stating the same thing. XXXX then called me a left me a voicemail that stated " this is the last attempt to contact you. After today, I will run a background check and look at your assets. '' I never gave my brothers or my mothers name on any application I submit. When I spoke to XXXX after I called him back, he stated that he already ran a background check and could tell me any asset I had. when I told him not to call back without written proof of the debt, he said he could call me at any time.

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 2019-10-02
Company: Experian Information Solutions Inc.
State: OH
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 was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX case # : XXXX, XXXX XXXX /XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX, 2023, I received XXXX credit card offers from Chase and XXXX XXXX. 
- I applied for both offers and subsequently received XXXX credit cards. I promptly purchased items to meet the required amount to receive my XXXX miles per offer/card. 
I received XXXX statements, XXXX for each credit card, which show that I was rewarded XXXX on each card for a total of XXXX miles from Chase. 

When I checked my XXXX XXXX XXXX account, I found that only XXXX miles. 

I called Chase and was informed that even though I meet the terms and conditions on each account that I was only able to receive XXXX miles for XXXX account. 

I am an older man with somewhat limited mental capacity. Chase business practices in this manner are predatory and discriminating. If this issue is not resolved, I will be filing complaints with the following agencies, XXXX, XXXX XXXX, Federal Reserve, State Attorney General 's office in Oregon and Federal Trade Commission. Additionally, I will file a small claims suit in Oregon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/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 non-monetary relief
Consumer complaint received 2022-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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 Reached out to the creditor to have the fraudulent inquiries removed I have never inquired there services, and never authorized anyone to use any of my personal information to obtain any line of credit and they notified me that the information was sent over to the credit bureaus to be removed and its been well over 60 days and I have yet to receive and update for removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: IL
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-05-05
Company: SYNCHRONY FINANCIAL
State: UT
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:
SYNCB/ American Eagle is reporting some lates on my credit file. These lates are for the months of XX/XX/20, XX/XX/20. During this time i was out of a job due to COVID and was un able to make these payments. I had this account for a long time and this account was unfortunately closed, i am assuming due to the delinquency but again that was completely out of my control as i was severally financially impacted due to the pandemic. I am requesting SYNCB remove these lates from my credit file. It was not my intention to be late but had no control over the situation. I tried to find other ways to make income through this difficult time and it was impossible to find anyone hiring during that time.

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