BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Consumer Collection XXXX XXXX XXXX XXXX This debt collector engaged in abusive, deceptive, and unfair threatening practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I didnt participate in any of it. More so they did not follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm Entitled to {$1000.00} dollars per violation and clearly they violated my rights.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.

( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

{$4000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Capital One refuses to let me access my online account, which is the only way to use my cash rewards points. I have called over 5 times to speak with customer service, and they keep telling me they can not verify my identity. They make me submit my proof of identity, then they tell me they can't read it. I've even had customer service reps stay on the line with me while I submit it, verify they received it, verify they can personally read what I submitted, then they send it to their fraud department who says they can't read it and can't verify my identity. This has been going on ever since I took out the account. I always stay on the line with the rep until they promise me it has been resolved, and each time it is never resolved. It is clearly a ruse to prevent as many people as possible from using the promised cash rewards benefits and to jack up payments when you can't find out what you owe for a payment. I am happy to provide documentation regarding my account upon request, and I would like to point out that my information is not under any sort of data lock for prior privacy breaches -they have no reason to withhold my information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Spring Oaks Capital, LLC
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: Account information incorrect

Complaint:
The XXXX XXXX XXXX  is the original account holder Spring oaks is attempting to collect the debt. The account is being reaged an the amounts are different on XXXX XXXX XXXX. The dates the account was opened & closed are different as well Also all different last date of payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: ECMC GROUP, INC.
State: CA
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:
ECMC has sending me letters for default loan, after repayment plan, and loan given back XXXX for forbearance. I was told my loan separate from University of  XXXX this not XXXX told me, as XXXX loan forgiven school closure. I also filled out a loan discharge ability to benefit, on basis that didn't get high diploma, and was given no examination by university of XXXX, I was email form to US Dept Edu and never heard anything form them.I have been getting threaten emails from them every week.

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 2023-02-17
Company: Self Financial Inc.
State: NJ
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:
there is a fraudulent account on my credit report and i will like it deleted immediately, find attached the FTC Report. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2021 I attempted to make a monthly payment on my Chase credit card by phone. The Chase representative informer me the payment went thru and the {$74.00} would be applied to my account that day. I was advised at a later date the routing # of my bank was incorrect and the payment was reversed thus resulting in a late charge. I subsequently paid the {$29.00} late charge and {$1.00} interest charge along with the payment. I would like to have the late charge refunded to my credit card since Chase informed me the payment I had made by phone on was made with no problem. JP Morgan Chase verified the check was # 's were accurate. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Selene Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern, According to Selene Finance my loan transferred from XXXX  XXXX XXXX 10 years ago and today date ; this company has never sent me a Mortgage statement until today XX/XX/XXXX with the statement payment due is {$1800.00} due on XX/XX/XXXX,. I made this request at least 1 year ago requesting previous mortgage statements and was never sent to me after being told I must put my request in writing and allow them 30 days to respond. In addition, My real estate Taxes for XXXX are Delinquent. I am in the process of refinance a Mortgage with a cash through the XXXX XXXX XXXX XXXX and after bringing my loan current by making a double payment in the amount of {$900.00}. All of a sudden the current status of my payments changed and I was told XX/XX/XXXX that now I owed {$900.00} and as usual the day before I was not able to use their automated payment system on the phone system. I had to speak with a representative to pay my bill that was seldom allowable to me. A year ago I could not close on a refinance loan with XXXX XXXX because of them not having issued me any mortgage statement, I had to request a payment history from Selene finance which was provided to XXXX XXXX making my paying appear as if I only payed 6 months out of 2 years, which caused me to be denied approval for my refinance and cash out, to make home improvements, etc. Furthermore, they are trying to cause this loan to be denied as well. IT was less than 5 days ago, my payment due was {$530.00} for the month of XXXX until speaking with Selene 's Customer Service ( Loss Mitigation Department ) on XX/XX/XXXX, Now I was due to pay, now within two days I owe a payment due for XX/XX/XXXX {$1800.00}. I paid {$530.00} after the representative I spoke with said, " I can put the difference on the back end of my loan ''. XX/XX/XXXX. I have a tentative approval again with a XXXX score of XXXX now awaiting the paperwork from Selene Finance and now all of this confusion and no prior knowledge of this information!!! 
Please assist me in resolving this problem affecting my ability to leave this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TrueAccord Corp.
State: IN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Actually the problem is that this debt is in excess of XXXX XXXX XXXX. It was with XXXX XXXX and the debt was put on my account by my grown son without my permission. The debt was around {$1200.00}. Until recently I have not been contacted for about XXXX years. Now they are sending me letters, email messages and calling my cell phone. I am XXXX XXXX XXXX and have been on XXXX XXXXXXXX since 1994. I have not responded because I understand if you do, the debt can become active again. I didnt want that to happen. Please advise on what I should do to get them to leave me alone.

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 2023-01-01
Company: EQUIFAX, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Tried contacting/ Disputing with XXXX XXXX was given no help. Put negative makes stating I was 30 days late when the account was charged off and sold to another company back in 2015. Public records still stating that the account is still owed

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 2021-10-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX. I notified experien that an item reporting on my credit report ( XXXX XXXX XXXX ) is inaccurately reporting and untimely reporting, I have yet to receive any notification regarding my dispute. I also pointed out the specific inaccuracies alerting Experian that they reported this account 60days late XX/XX/XXXX then report the same account 30days late the following month of XX/XX/XXXX. I kindly demanded experian fix the Inaccuracies in previous notifications. But They have yet to update or remove the account nor the Inaccuracies in question. Disregarding the The fair credit reporting act laws and regulations.

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 2019-03-08
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have proof of XXXX total in bill pay from XXXX  XXXX XXXX XXXX.No communication from XXXX XXXX XXXX  since I set up bill pay 10 months ago. I rec 'd a letter from a collection agency disputing my total payments and asks me to pay {$1300.00}. Where did this amount come from? Also, where did my XXXX bill pay go? 
Thank you for your help. 

Collection Agency is : XXXX XXXX XXXX , XXXX ( XXXX ) XXXX This agency is rude and is using intimidation..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: GA
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:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX XXXX XXXXXXXX Balance : {$70000.00}

Company response to consumer: In progress
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I've filed several complaints with all three bureaus due to multiple names, addresses, phone numbers and employers listed on my credit report.. I've also sent 3 forms of identification to support my claim. 
This is the second report i've filed with CFPB because for some reason the first complaint was lost or is not showing up. 
There were several letters sent at the begining of XX/XX/XXXX and after XX/XX/XXXX. These letters were also sent via certified mail, asking to verify all debts in collections and inquiries. I have yet to receive a response. 
All three bureaus refuse to remove the excess and inaccurate information on my credit report making it hard for me to verify myself if i have 20 addresses listed and 15 names that aren't mine.. some of the names were even misspelled. Below you will find all my supporting evidence including receipts of mail sent, the many names and address listed as well.

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: 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi Dear customer service, I received an email from XXXX  XXXX  that my Chase bank sent a 30 days late payment to all 3 credit Bureaus. Let me first explain my situation. I closed most of my credit carts about 2 years ago through XXXX XXXX XXXX 's department. Every month I am paying them the amount that creditors agreed with them. During the Covid 19 I was not able to pay the full amount due to my financial hardship. It was the first time that I paid less amount to my credit card companies. However, I have already paid the full amount and make them current. The only bank that didn't remove my late payment is Chase bank. I have already made a disput with all 3 credit bureaus and received an email from them that they are unable to remove the late payment from my history. Today I called to Chase bank and humbly request them to do something for me and ask them to let me to make a disput with them, but they said they are not able to do anything for me. I told them I have already spoken with their customer service department and explain them I am not able to pay my full amount but the supervisor told me they have never received a call from me. I swear to XXXX I talked with them a month ago and explained them why I can't pay the full amount and they accepted it. Now, they say I have never talked with anybody in their department which is so weird. I humbly request you to understand my situation and do something for me. I have never had any credit problems with any companies before and this late payment really bothers me. Because of the late payment report my credit score dropped by many points and I am really sad that why I was not able to pay the full amount to them. I thought that chase bank will understand my situation and remove my late report because I am sure that this might happened to many people during this Covid 19 pandemic. As you know many people had financial hardship in the last 5 months because they have lost their jobs. I lost my job too, but still I tried to make my payment on time even with less amount. Also, I was taking care of my sick mom and old dad and helping them financially during this hard time, so it was really hard for me to pay the full amount to my credit card companies.You are the only one that can help me in this hard situation, so please do me a favor and ask the Chase bank or 3 credit bureaus to remove my late payment from my credit report. I promise I would never pay less amount to my credit companies. I am really appreciated for your time and sorry to bother you. May God Bless You.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received a letter dated XX/XX/XXXX advising that American Express had lowered my account limit in HALF to {$11000.00} because my spending activity on my account had been significantly lower than my credit limit. 

I went through a divorce in XXXX where I had to purposefully let my mortgage payments go 90 days past due, so I could apply for a HAMP. I paid all other bills, and credit cards on time, no one suffered a financial loss and I did get my house refinanced just in my name. At this time, I understood that with my delinquency my credit report took a hit and American Express reduced my limit to {$1000.00}. I understand. 

Fast forward 8 years to XXXX, my credit is in the 800 's. American Express rewarded my increasing credit score with increases in my limit, back to what it was before my divorce. Now I am being PENALIZED with credit restriction on my card because I have to play the credit card game and have enough open credit to make them happy, but wow, I can't have too much open credit I guess. WHAT A SHAM. WHAT A GAME. THEY ARE PUNISHING ME FOR BEING " TOO GOOD ''? I still keep a small balance, they are making SOME money - just not tons with 24 %. 

They didn't alert me to this possibility or I could have had spending activity!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-02-03
Company: Affiliated Acceptance Corporation
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019- {$1300.00}. Affiliated Acceptance Co added a new account to my credit report.

XX/XX/2019- $ XXXX- Affiliated acceptance Co added a delinquent charge to my credit report I have spoken to the both companies involved. The company who the original charges were for and the credit collection company. I do not owe this money. They offered me an unfair settlement. I told them I wouldn't accept a settlement when I don't owe the money to begin with. This dropped my credit score over 100 points and is extremely unfair.

Company response to consumer: Closed with explanation