BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: Constar Financial Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023, XXXX XXXX sent me a letter purporting to be a debt collector attempting to collect an alleged debt from me. {$7100.00}, but will settle for payments totaling {$1000.00}. XX/XX/2023, I sent them a letter disputing this alleged debt, a cease & desist collection attempts, an invoice for FDCPA violations contained in the letter, and a pre-arbitration demand.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 submitted several disputes with XXXX, XXXX, and Transunion regarding XXXX XXXX Credit Card ( XXXX ). I entered into a payment agreement for {$59.00} a month. XXXX has not been reporting payments each month and continues to report the account LATE and Charged OFF. The company is furnishing inaccurate information and has violated several FCRA rules.

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 2021-12-04
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Experian Information Solutions Inc.
State: LA
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:
TO WHOM THIS MAY CONCERN : EXPERIAN IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT THEY HAVE DEFAMED MY CHARACTER WITH NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. I DID NOT GIVE WRITTEN CONSENT OR AUTHORIZATION OF LAW FOR THE COLLECTION OF MY INFORMATION.

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 2023-10-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received alerts from both XXXX and XXXX XXXX that someone has attempted to open a credit card with JPMCB ( Chase Bank ) using my information-IT WAS NOT ME!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I closed on a new home in XXXX XXXX, MD. Pennymac mortgage took possession of our mortgage. They also held the Seller of the homes mortgage. The State of Maryland sent a property tax bill in the amount of {$4200.00} to PennyMac mortgage in XXXX of 2021. This bill was the seller 's responsibility to pay as they covered months the seller was in possession of the home. However, Pennymac paid this bill and charged my family for it. The title company was not aware that the property taxes were paid from my account and refunded any money held for property taxes from the seller. Pennymac mortgage is holding me responsible for this error and has gone up on my mortgage substantially to cover the cost of someone else 's tax bill. This is causing an extreme hardship for my family as our mortgage is already substantial. Pennymac should not hold me and my family accountable for someone else 's bill. They have also explained this will impact my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: OH
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 sent out a dispute/investigation letter the was signed for on XX/XX/2021 and have have not heard anything from the XXXX about the dispute. the dispute was for inaccurate reporting of dates on accounts. and inquires that i didn't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX  XXXX XXXX XXXX Paid in full ) {$840.00} XXXX XXXX XXXX ( Paid in full ) {$1500.00} XXXX XXXX XXXX was removed and re-inserted illegally ) {$1300.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with original creditor and has been confirmed. I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

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 2023-07-25
Company: EQUIFAX, 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:
I am a living person. I have rights under 15 USC 1681 The 3 major credit bureaus are govern by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. Furthermore in regards to these accounts below : the " date opened '' dates do not match across the 3 bureaus. In addition, multiple accounts with late payments have inaccuracies in regards to how many days late these accounts were paid. For example, many are reported being 30 days late on 1 credit bureau but that same account is being reported as 60 days late on another credit bureau. How can this be? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note these are not the full account numbers. They contain XXXX at the end of each and will not be given here in order to protect my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NC
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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: Expert Credit Sweeps
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
This is a follow up to XXXX, which was closed by the CFPB but I have not received any further correspondence from other agencies nor the business in question. 

I enrolled in this company 's services in XX/XX/XXXX hoping to get ( what I thought was ) some financial assistance from one of the " best '' credit repair companies out there. Initially everything was going good, there was constant communication. I was paying {$130.00} a month + {$29.00} for credit monitoring. After 4 months of service ( XX/XX/XXXX ), I hadn't gotten any updates from Expert Credit Sweeps/XXXX XXXX, nor responses from creditors. So I reached out to XXXX about an update and only received an automated responses back each time. I understand that she had been making updates and transitioning within her company so I waited 1 more month. In XX/XX/XXXX I contacted her again for an update on the process that she has been taking since the updated policies were implemented. I made the title Cancellation Request to get her attention and 5 days later she finally responded by cancelling the service. She never contacted me to have dialogue, which is what I expected. I feel like I wasted 6 months of dollars all because the company 's communication is non-existent. I want my money back ASAP! 

I have attached screenshots with correspondence and automated responses that I received back. 

Contact info : Expert Credit Sweeps XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX also named XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: CITIBANK, N.A.
State: VA
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:
XX/XX/2021 I went grocery shopping at XXXX and wanted to purchase a {$400.00} XXXX gift card. 
Cashier states that can only put {$200.00} on at a time but can run the same card twice. 

Made initial purchase of groceries and {$200.00} gift card ( 1st gift card ) for {$310.00} Cashier attempt to put {$200.00} more onto the same gift card ( 1st gift card ) and said it did not work. I have attached a photo of this receipt. In the upper right corner you can see UNAPPROVED Grabbed another gift card ( 2nd gift card ) off of the rack and put {$200.00} on it.

I ended up with three transactions on my card. 1. {$310.00} ( {$110.00} groceries an
d a {$200.00} gift card ) 2. {$200.00} ( no money applied to the gift card ) 3. {$200.00} ( {$200.00} gift card ) Since the second transaction failed, this resulted in me paying {$600.00} for gift cards and only receiving {$400.00} in gift cards.

I opened a dispute with Citi for {$200.00} Over the past months, I have called numerous times and continually given that an explanation that they are looking into it. Then I get a letter saying that too much time has past and they can not do anything. They have never provided any explanation of what their findings are. I do not have recordings of my calls but I am sure they do. I am attaching all the written/electronic correspondence they have sent me. While in the XX/XX/XXXX letter there is reference to a response from the Merchant but the attachment is unreadable, Citi never provided any other explanation. 

I am not understanding why : They have not contacted the GC provider and XXXX to clearly see, where did the missing {$200.00} end up? 

Also attaching image of the 2 gift cards as well as XXXX balance page. You can see the them about 5 lines from the top on XX/XX/XXXX. 

Thanks for looking into this. I has been a extraordinarily frustrating. Each customer representative I spoke with kept saying that this was going to be resolved in my favor. I now understand this was simply a ploy to keep dragging this process out as long as possible.

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 2020-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have had these accounts on my credit that I have been trying to get off and they have not been getting taken off for some reason. I got in touch whit XXXX and was told that there was no longer even a balance to the fraud account that is reporting on my credit from them and they have failed to provide me with any documents of any signed documents showing my signature with the date because the date it says the account was opened in XX/XX/XXXX I was not yet living in XXXX  and there are no XXXX in XXXX XXXX  where I moved from. Also the other fraud accounts just started reporting and I do not know how a hospital collection would even end up on a credit report because my aunt is a nurse and informs me they ask people multiple times for them to verify themselves and I dont know how someone could of got my information to use it to go to the hospital. I have the letter attached that I sent to the bureaus about this and the date for when I sent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: AL
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:
According to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 ( 2 ) states " I have a right to privacy. '' 15 USC 1681 section 604 a section ( 2 ) states. '' In general, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, XXXX XXXX these financial institutions and the consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. ANY and all consent to XXXX XXXX XXXX, XXXX XXXX, EQUIFAX, XXXX, XXXX whether it be verbal, non-verbal, written, implied is revoked. Under 15 USC 1666 ( b ) A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2021, I was in the process of moving from XXXX to XXXX. While driving a truck cross country, my credit card was frozen. I can only assume it was because I made purchases in multiple states. 

When I arrived at my destination and settled into my apartment, I called the credit card managing company, Synchrony Bank. In the past, I have been asked to confirm recent purchases or answer questions about myself when there is suspected fraud. 

I was shocked, to say the least, when I was told that the only way to have my card unfrozen was to take a video of myself and send it into the company to have a biometrics test run on it. 

I explained that this made me very uneasy, that this is the sort of practice that is conducted in XXXX. I was then told that the only other way to regain access to my card was to wait seven to ten business days for a letter with a code. 

Ten business days pass and I call again. I am again told that I should make a video of myself for them if I want my card unfrozen. I again explained to them that this sounded like something out of a dystopian movie, that I don't want to send a video of myself to someone I do not know, much less a multinational corporation. 

Without any recourse, I was forced to wait. I finally received my letter on XX/XX/2021. Instead of a code however, the letter instructed me to send proof of my identity in the form of a utility bill, lease, or bank statement. I was not given an email address so that I could scan and send it in quickly, but the address of a XXXX XXXX XXXX in the middle of the holiday season. 

I do not want to live in a country where financial institutions can pressure and even force their customers to submit videos of themselves, directed according to their instruction. I am lucky, in that I had another source of funds and could pay off my credit card. But most others can not. Please do something about this.

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 2023-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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:
A new Credit Card was mailed to my address on XX/XX/2023, that I did not apply for. On XX/XX/2023, I called Capital One to report Fraud and to close down this new credit card. Capital One have noted Fraud on this account and is currently investigating this report. The local XXXX XXXX Law Enforcement have been notified of this Identity theft, and all 3 Credit reports have been reviewed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-22
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After my Loan was purchased from Nation-star they preceded to say that I needed flood insurance however I am not I provided survey. Two months go by and collection calls come in after many phone hours trying to get to the bottom of this they needed a Map Addendum which I then provided. Another 2 months go by no adjustment to the records. Charging me late charges and reporting to credit bureau that Im late on payments when I still continued to pay my monthly mortgage on time. Finally after numerous calls the insurance is fixed and removed from my loan. Now they are saying that I am behind a payment. How is that when I provided all the documents to show actually an extra payment is in. They continue to send people out to take pictures of my home and charge fees to me even tho i have told them I occupy the property. The credit bureau reporting in accurate information is very concerning as I cant refinance or get the pmi off of my loan as it looks like i am behind and i am not. I have plenty of documentation, emails and voice messages to substantiate my claims. I have spent countless hours on the phone thru emails etc and nothing has helped. I am a single mother and my home is important to myself and my children this situation is very sad. I 've seen Nation star foreclose on properties because of the same lack of communication. Please Advise Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I had an account with the Texas XXXX XXXX XXXX XXXX XXXX. My order in the case ended in XX/XX/2021 yet the account still shows to be open. It should be closed. My report showed a late payment in that last month as well which is not correct. 

I have called them and disputed the entry to credit reporting agencies with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I had an account with the Texas XXXX XXXX XXXX XXXX XXXX. My order in the case ended in XX/XX/2021 yet the account still shows to be open. It should be closed. My report showed a late payment in that last month as well which is not correct. 

I have called them and disputed the entry to credit reporting agencies with no luck.

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 2021-06-01
Company: Mid-South Adjustment Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have previously submitted a complaint about two medical collections that are errors. My medical insurance informed me that my coverage should have covered the cost however, I was still being billed. The alleged amount owed got turned over to the collection agency " Midsouth ''. I have not received any responses in writing as requested. This is a violation as I am doing my due diligence in trying to communicate properly to resolve this matter. XXXX  is the only bureau to report this error. Why can't XXXX  do their due diligence like the other two bureaus.

Company response to consumer: Closed with explanation