BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: Ardmore Finance Corporation
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX finance let someone take out a loan in my name I have disputed the account with all three credit bureaus they have removed the report XXXX finance continues to put the debt back on my credit report they keep raising the balance then lowering the balance and placing hard credit inquiries in order to drop my credit score I have called XXXX finance to dispute the debt only to get cussed at

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Dynamic Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
There have been multiple dates that i can not remember but the last one was on XX/XX/2020. A company named Dynamic Recovery Solutions with the phone number XXXX has contacted me several times asking to verify my personal information regarding personal business related questions but refuses to discuss what the matter is about. They did not even say are attempting to collect a debt or what company they represent. I called the number back to find out what the company name is. With all the phone scamming and spamming out there i refuse to give any personal information out. Also, i checked my credit report and i do not have a Dynamic recovery solutions on the report so i have no idea who this company is and if they actually have any right to contact me about a debt or any other reasons.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MT NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account 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 2017-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I want CapitalOne to enable me to share my financial data with 3rd party applications and affiliates such as XXXX. These programs help me monitor spending, budgets, transaction and theft alerts. I should have easier access to this information through the choice of who I share this information with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid for a business mailer to be sent by XXXX services in early XXXX. This company claimed to have sent the mailer, but it was never delivered. There was no evidence that this order was ever actually fulfilled, and there are dozens of complaints saying this company is a scam online but operating under a different name. 

I filed a complaint with Chase that this was a fraudulent charge on XX/XX/XXXX. They rejected the complaint and said I needed to provide more information. 

I filed a second dispute on XX/XX/XXXX providing additional information that XXXX was fraudulently charging me for services that were never delivered. I also included evidence that the materials provided by XXXX were cropped and altered to obfuscate the fact that the order was never delivered. 

This second claim was also rejected without feedback by Chase. I then tried to contact the Chase dispute department on XX/XX/XXXX multiple times but was hung up on when I was told I'd be transferred to a supervisor. 

I believe that Chase is knowingly allowing XXXX to bill customers for undelivered or non-existent services, and when I pointed this out to them they said there was nothing they could do. I have been a loyal Chase customer for many years, have done tens of thousands of dollars in transactions with them, never missed a payment, and I have been very surprised at their lack of care.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
re : : XXXX XXXXXX/XX/XXXX Trustee for XXXXXXXX XXXX-OP1 Series Mortgage Pass through certificate ( Foreclosure scheduled XX/XX/2018 ) SPS Servicing Account # : : XXXX XXXX XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX Please note that we submitted the following complaints ( listed below ) against XXXX XXXX, XXXX of which we have received multiple follow up emails from cfpb indicating that XXXX XXXX is still working on responses to our complaints. while we await formal response to our concerns from wells fargo, we request. that they cancel the upcoming foreclosure ( XX/XX/2018 at XXXX ET ) on our home. 

The previous complaints filed with XXXX XXXX, that XXXX XXXX has indicated they are still reasearching are as follows ; XXXX : : XXXX XXXX working on response as of XX/XX/18 XXXX : : : XXXX XXXX working on response as of XX/XX/2018 XXXX : : : XXXX XXXX working on response as of XX/XX/2018 Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The Kay Jewlers credit card has a balance that included a promotional, zero interest balance until XX/XX/. I called before my due date and made a payment to fully pay this balance off. The due date came and I called again to make another payment towards the principal, non-promotional balance and found out they did not apply my first payment towards the zero-interest promotional balance and instead applied it to my minimum payment. This means I paid interest of 29.99 % on my promotional balance AND 29.99 % on my principal balance. When I questioned why they didnt apply my payments as I requested the representative changed their answer multiple times. First she said it was because my minimum payment was due ( this is untrue because I called BEFORE my due date ), then she said to apply any payments towards my promotional balance I needed to submit this in writing ( also untrue according to the terms ), finally she said they would escalate and respond. I never heard back from them. Next thing I know I have a late payment indication on my credit report. I called again and they gave me the same run around. I have disputed this with my credit reporting app and no one has been able to address the fact that I have them money, told them how to apply it and they didnt follow interruptions and did what they wanted with my money. It is the principle of the fact.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-05
Company: CITIBANK, N.A.
State: OK
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:
XX/XX/XXXX XXXX XXXX shows hard inquiry from Citi Bank Na. Best buy on XX/XX/XXXX. XXXX has a range XX/XX/XXXX to XX/XX/XXXX. 
I did not approve this inquiry and I want it removed along with any accounts or affects from it canceled out. 
Twice, I called offending company on XX/XX/XXXX. They claim to have no record of such a pull from their end. The first call advised me to just let it go and that the credit points would come back up soon ... 

I've had no business or like applications with Best buy since this last spring. They might permanently lose my patronage. This is unacceptable.

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 2023-09-01
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-02
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:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / XXXX / TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX Account XXXX. I believe it was reported in error. 
XXXX XXXX XXXX  Balance : {$760.00}

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 2020-02-19
Company: Dynamic Recovery Solutions, LLC
State: TN
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: Investigation took more than 30 days

Complaint:
After reviewing credit report I noticed a collection account contacted the agency they sent out a validation letter I responded within 30 days in writing requesting all information regarding this account received a call one week later from one of the callers I once again asked for account information and was told they did not possess any original contracts documents or proper information about the account and they would request it from the original creditors 7 months later still no proof and its still being reported to the credit reporting agencies I do believe that they are reporting in error and are violations of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX XXXX. 

XXXX XXXX  - Account number # XXXX XXXX XXXX-Account number # XXXX XXXXAccount number # XXXX XXXX  XXXX -- Account number # XXXX FINGERHUT-Account number # XXXX XXXX XXXX XXXX- XXXX XXXX XXXX-Account number # XXXX XXXX XXXX XXXXAccount number # XXXX XXXX XXXX XXXX-account number # XXXX XXXX & XXXX XXXX XXXX number # XXXX XXXXXXXX XXXX XXXX-account number # 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 non-monetary relief
Consumer complaint received 2020-03-02
Company: EQUIFAX, INC.
State: ME
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:
In XX/XX/XXXX I submitted a complaint to CFPB regarding the servicing of my mortgage. The company ( XXXX ) had incorrectly reported my mortgage account as 30 days late to the credit bureaus. Last year, XXXX my previous mortgage company sold my mortgage and the servicing of the mortgage to XXXX. Because I was out of the country, I missed the notification of the change and continued to pay XXXX for two months after the mortgage had been sold. When I returned from my trip and realized my mistake, I immediately called XXXX to explain the situation. I explained that I was in the process of trying to get the mistaken payment reimbursed from XXXX. I immediately paid the XX/XX/XXXX bill but could not afford to pay the XX/XX/XXXX bill without first getting reimbursement from XXXX. Nonetheless and despite my explanation to XXXX, it reported me as 30 days late on my XX/XX/XXXX payment. In XX/XX/XXXX I filed a complaint with the CFPD against XXXX. By letter dated XX/XX/2019 ( attached ), XXXX denied that it made a mistake but nonetheless agreed to change its report to the credit agencies as " current, pays as agreed. '' The letter said to allow 45 days for the credit agencies to update their records. Since that time, most of the credit agencies have updated the reporting of my loan. However, one agency Equifax has not made the change and contunes to report me as 30 days late on my home loan. Equifax says that XXXX has been unresponsive to its requests for the information so that it can confirm that the delinquencies have been removed. XXXX has not responded to my request for assistance. I have called XXXX XXXX who wrote the XX/XX/XXXX letter on behalf of XXXX multiple times. Despite multiple calls and messages explaining the situation, neither XXXX nor anyone else at XXXX has returned my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Associated Credit Services, Inc.
State: MA
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: Problem with personal statement of dispute

Complaint:
This collection company made a mistake two times. 
The first time after they had put an account into collections without any notification they were kind enough to fix it when i made payment due to their mistake. 
This past XXXX they put another account into collections. They never called me or sent me any letters notifying me of the debt ( they confirmed this on a recorded call ) I paid the debt as it was legitimate and asked that they pull this from my credit. They are refusing. This is the same exact scenario in which they knowingly made a mistake and fixed it previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have number on my report that are not my please remove/delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: CA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXXXXXX XXXX  XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Resurgent Capital Services L.P.
State: NJ
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:
The creditors LVNV FundingLLC, are harassing me about an extremely old debt which I do not owe, the debt is in the amount of {$3800.00} from XXXX XXXX XXXXXXXX. LVNV has not provided sufficient information for me to identify the debt. I never signed any agreement with LVNV Funding LLC. I do not owe this debt and it is over the New Jersey statute of limitations, and even if I did owe it it's passed the statute to be collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: MI
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:
Student loans are reflecting a negative effect on my credit report which gives other companies the opportunity to be biased based on negative marks on my credit report. To my understanding I am protected by law and companies can not use any potential negative credit reports that may be used against me and this is hurting my credit when I try and take out a mortgage giving the lenders an opportunity to become biased which is unlawful. I want the dept of education off my credit report immediately, and also any addresses that are not my current address which is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I am looking to buy a house and I do not need any negative inquiries that may hurt me such as the ones I spoke about 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 2020-03-02
Company: GUARANTEED RATE INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Good Morning We just did a streamline with XXXX XXXX with Guaranteed rates and the one reason why we did a refi was we didn't like XXXX XXXX and when I contacted XXXX she said they don't deal with XXXX XXXX and my loan would never get transferred to there bank. Now we justgot a letter in the mail last week and guess what we have XXXX XXXX. Also I couldof got a streamline loan with XXXX at that time at a lower rate and less money down and XXXX also knew this too. So this company took advantage of us and made us spend more money to to wind up with the same Lender we had to begin with and don't want!! Is there anything I can do to sue this company? 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation