BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Reiteration of the following legal right of due process under the Cares Act : Per the Presidents Memorandum, via the XXXX XXXX Guide Bulletin XXXX, Coronavirus Aid Relief, & Economic Security ( Cares ) Act FORBEARANCE : 1.Execute the months remaining of forbearance ; as depicted in your response here with the CFPB. More importantly, as it is disclosed under the Presidents Memorandum, XXXX XXXX Guide Bulletin XXXX, Coronavirus Aid Relief, & Economic Security ( Cares ) Act, CFPB posting - see attachments 2.Forbearance/Post Forbearance ( 12 months ) 3.Re-requesting Extended Forbearance ( 6 months ) 4.Borrower Eligibility - we qualify per continued Hardships/Covid-19, loan qualifies for XXXX XXXX Loan Forbearance Plan 5.Re-requesting complete forbearance time allotments per XXXX XXXX due to my ongoing hardship, full not partial arrearages onto the loan, lastly loan modification with an affordable modified monthly payment NOTE : Please be advised that I continuously have met all requirements ( qualifications : hardships/loan type, requests, are all referenced in my calls, emails sent to SPS ) including and not limited to communicating directly with my servicer Select Portfolio Servicing in accordance with the stipulations depicted in the attachments set forth by Congress and the President of the United States.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions

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 2022-05-17
Company: Colony Brands, Inc.
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone Opened a Montgomery Ward card under my maiden name. i. have been trying to resolve this as of XX/XX/2021, and now it has affected my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Southwest Credit Systems, L.P.
State: MI
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 sent two letters of dispute in which validation of this debt was requested. The only thing that was returned to me was copies of statements from XXXX with an address where I have never lives. The FCRA guidelines have not been followed. This debt was originally disputed with XXXX but was sold to a collections agency without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TD BANK US HOLDING COMPANY
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
TD Bank ( TD Retail Card Services ) sent me a debt collection letter dated XX/XX/23 for a past due amount concerning my TD Bank Yard Card. I received the letter on Friday, XX/XX/23. I immediately called TD Bank customer service to let them know that there was an error on TD Bank 's part because I made the payment online as I always do and the payment was removed from my bank checking account on XX/XX/23, two days before the payment was due. After speaking with three different agents between Friday, XX/XX/23 and Saturday morning, XX/XX/23, I was told I would have to email proof of the transaction. I was provided with the email address and an " Attention to '' number, being " XXXX '', and sent in proof on XX/XX/23. I was told I would be contacted once received. I did not hear from anyone yesterday, XX/XX/23, nor today, XX/XX/23, and have emailed TD Bank twice more requesting a response. I tried the customer service again who stated I would just have to wait to hear back from my email submission. I'm " disgruntled '' to say the least that I received a past due notice in the first place on an account that wasn't past due. I'm afraid this will cause a derogatory statement through the credit bureaus on a matter that was no fault of my own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I submitted a complaint regarding XXXX, Equifax, and XXXX, all in which I stated : In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - XXXX and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 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. I also stated to delete those accounts off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: ID
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXXk XXXX, also known as XXXX XXXX XXXX  XXXX XXXX XXXX , has violated my rights. 

To whom it may concern : I request more explanation on said reported account. I have not received proof of ownership of this debt including signed agreements ect. I am proceeding under the Fair Credit Reporting Act law. I have the right to challenge I am not sure is accurate. Reporting things on my credit file I did not agree to have reported or have not heard of. 

Under 15 U.S.C Sec. 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information. 



15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer. 



They also violated my rights numerous times. 



According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it. 



According to 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. Please send proof of my written instructions or delete the account from the report. 



According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Capital one auto finances said that I was late 3 days on my auto loan last year however instead of added a late payment the next month or the current month of the so called late payment the company waited till XXXX of this year to add it on to my loan. I asked them to remove it and said they are not allowed to just add a late payment fee when they would like to and I was on the phone with a manager who acted like he did not understand English. I said it very plainly that you are not allowed to add a fee when you feel like it and that it needed to be removed but they have had more than enough time to remove it but they still have not remove the fee. This is not correct. I even went as far as asking if my account is on auto pay how did I even end up with the fee and he could not communicate that effectively as well. So since the manager acted like he did not understand what I was saying I simply asked for the late fee to be returned and he said he would have someone reached out to me and that was in XXXX of XXXX  and no one has contacted me yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2023, I XXXX of XXXX XXXX was billed a statement stating that I owed {$15000.00} to Chase Business Ink Credit Card. 
I am stating this as a billing error. My account is showing a positive non-negative balance which leaves me questioning how I am indeed in debt to Chase Business Ink. 
Pursuant to 15 U.S.C. 1666 ( i and ii ) you must provide proof of my indebtedness. Payment ledgers are not an acceptance of debt or proof of indebtedness per 15 U.S. Code 1692g - Validation of debts. Pursuant to 18 U.S.C. 8 the United States is the obligor of all forms of payment. 
I see that JPMChase has reported the account as Closed/Charged off to the credit bureaus which prompts me, the consumer, to request my 1099-c. Under consumer law a 1099-c is federally required to be provided to the consumer. Pursuant 26 CFR 1.6050P-1 - Information reporting for discharges of indebtedness by certain entities, not providing consumer with 1099-c is a violation punishable under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being harassed via spam telephone calls to collect on a fraudulent debt. Request to stop contacting me and to provide proof of the validity of the debt are being ignored.

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 2023-10-03
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I entered into a settlement agreement with Barclays American Airlines Credit Card in XX/XX/2020 for {$4400.00}. The payment was processed the first week of XX/XX/2020. I then received a letter stating that the account was paid off as agreed and the account was closed. 
Then earlier this year I was contacted by XXXX XXXX XXXX XXXX saying that I owed them for the unpaid Barclays account. I disputed it and sent them proof that it was paid, but they are refusing to close the case. They have called repeatedly and sent a letter threatening legal action for a debt that was paid 3 years ago.

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 2023-05-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX Wells Fargo refused to work with me on a loan modification, causing me to file for bankruptcy from XXXX to XXXX. My lawyer had to work with them to save my home. They ended up selling my mortgage to another company in XXXX or 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 2023-05-23
Company: EQUIFAX, INC.
State: KY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 I submitted a complaint regarding XXXX, XXXX, and Transunion, all in which I stated : In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 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. I also stated to delete those accounts off 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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Negative Information Notice Section 623 ( a ) ( 7 ) ; 15 U.S.C. 1681s-2 ( a ) ( 7 ) ; 12 CFR 1022.1 ( b ) ( 2 ) ( ii ) Section 623 ( a ) ( 7 ) requires a financial institution including mortgage companies to provide consumers with a notice either before it provides negative information to a nationwide consumer reporting agency, or within 30 days after reporting the negative information on my credit. I was not made aware these remarks were going to be placed onto my credit prior to or 30 days after.

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 2023-06-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Capio Partners, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit score has jumped up XXXX points putting my credit report XXXX XXXXXXXX they dropped it down to XXXX, this is fraudulent because XXXX never contacted me to confirm that the debt was mine. I have never heard of the company, never had a contract with the company and I need these derogatory statements off of my credit. this is using XXXX of law to discriminate against consumers. Also the name that the debt collectors is using is copywritten and they are violating copyright infringement law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I found a credit card listed on my XXXX XXXX XXXX information that I did not request. 

The card was identified as : XXXXXXXX XXXX Account shown as XXXX With a balance of {$76.00} and a {$300.00} credit limit It was opened ( not my me ) on XX/XX/ and is a revolving account. 

I called Genesis at ( XXXX ) XXXX to report it and was told to contact the FTC, who sent me to you to open a report. The address they had was not my address. 

Let me know if you need more information. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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:
Negative Information Notice Section 623 ( a ) ( 7 ) ; 15 U.S.C. 1681s-2 ( a ) ( 7 ) ; 12 CFR 1022.1 ( b ) ( 2 ) ( ii ) Section 623 ( a ) ( 7 ) requires a financial institution including mortgage companies to provide consumers with a notice either before it provides negative information to a nationwide consumer reporting agency, or within 30 days after reporting the negative information on my credit. I was not made aware these remarks were going to be placed onto my credit prior to or 30 days after.

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 2022-05-17
Company: Source Receivables Management LLC
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: Account status incorrect

Complaint:
per phone conversation with this company they agrred to remove the collection from my credit report after my account was paid off.they have not done so an have violated my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: SYNCHRONY FINANCIAL
State: GA
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:
It's has been 1 Year that synchony bank/Lowe 's has changed off this credit card account and has not yet sent me a 1099C. I'm asking Lowe 's to CEASE AND DESIST from reporting income as debt on my credit report. Also I'm revoking any and all Power Of Attorney allowing Lowe 's of reporting my nonpublic financial information to third parties Corporation and nongovernment agencies.

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 2023-05-31
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Issue commencing in 2021 with PSLF resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief