BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: LA
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 remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: TX
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:
I have audio recording from managers stating my information is not in their system. ( Their is no reinstallment contract ) They have no original signatures of mine. 

I have recently sent an affidavit to XXXX XXXX XXXX on XX/XX/2023, but despite waiting for 30 days, I have not received any response from them. I made attempts to contact them earlier to confirm if they had received my mail, but I was informed that I could not speak with them without legal representation. As per my understanding, an unrebutted affidavit stands as truth, and now that it has been 31 days with no communication from the company, the matter is still unresolved. 


I am determined to pursue the claims mentioned in my affidavit, and I am looking for guidance on how to take legal action against the company if they continue to avoid resolving the matter. It is imperative for me to seek a resolution to this issue promptly, and I am willing to take all necessary steps to achieve that.

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 2020-08-28
Company: EQUIFAX, INC.
State: PA
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 survivor of fraud and didn't make the charges. I ask that the things be obstructed to address my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 writing to express my deep frustration and dissatisfaction with the repeated unsuccessful attempts I have made to remove an inaccurate address and a collection account from my credit report. Despite multiple efforts and clear evidence supporting my claims, these inaccuracies persist, causing severe harm to my financial reputation and personal security. 

I discovered an incorrect address listed on my credit report. This address is not associated with me and does not reflect my current or past residences. Its inclusion on my credit report is erroneous and misleading. 

In addition to the inaccurate address, I also identified a collection account on my credit report. I have never had any dealings with the creditor in question, and the presence of this collection account is negatively impacting my creditworthiness and financial opportunities. 

Upon discovering these inaccuracies, I initiated disputes with your organization by following the standard dispute resolution process provided on your website. I submitted all required documentation, along with a request for the removal of the inaccurate address and the collection account. However, my initial disputes were not resolved in my favor. 

Frustrated by the lack of resolution, I made several follow-up attempts to dispute and correct these inaccuracies. I provided additional evidence, communicated with your customer support, and sought assistance from your representatives, hoping to rectify this situation. 

Despite my continuous efforts to correct these inaccuracies and provide irrefutable evidence supporting my claims, I have not received a satisfactory resolution from your organization. The presence of the inaccurate address and the collection account continues to adversely affect my credit score, hindering my access to financial opportunities. 

I demand immediate action to rectify these inaccuracies on my credit report, specifically by removing the inaccurate address and the collection account. It is vital that my credit history accurately reflects my financial record, and any inaccuracies should be rectified without further delay. I also request written confirmation once these corrections have been made. 

Failure to address this matter promptly not only jeopardizes my financial well-being but also undermines my trust in your organization 's commitment to accurate credit reporting. I am asking for your immediate assistance to remove the following fraud items in my credit XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00}.

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 2022-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery Associates LLC is demanding {$610.00} from me with the intentions of damaging my credit files if not received in their version of a timely manner. 

Portfolio Recovery Associates LLC are debt collectors demanding a debt on behalf of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have not received any goods or services from Portfolio Recovery Associates LLC and I do not know how Portfolio Recovery Associates LLC received my private information. 

Portfolio Recovery Associates LLC previously damaged my credit files with this information XX/XX/2022. This account was successfully removed due to Portfolio Recovery Associates LLCs failure to honorably verify their alleged debt and prove they are holders in due course with permissible purpose from me to report to my credit files. Please be advised no goods or services were provided from Portfolio Recovery Associates LLC. I am being harassed. 

As of XX/XX/2022, Portfolio Recovery Associates LLC will receive a validation notice via certified mail no. : XXXX XXXX XXXX XXXX XXXX. Portfolio Recovery Associates LLC is aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contractual agreements to support we have agreed to honorably conduct business. I do not agree to pay/tender anything to Portfolio Recovery Associates LLC. , on behalf of another company at the expense of my private information being on display to whomever. 

I am not a party to any agreements that Portfolio Recovery Associates LLC may or may not have with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I am not responsible for Portfolio Recovery Associates LLCs purchase / transfer from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not agreed to pay/tender anything to Portfolio Recovery Associates LLC XXXX 

I have contacted XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private information to Portfolio Recovery Associates LLC. At this time, I demand no further contact from any associate or authorized representative of Portfolio Recovery Associates LLC. 

My credit files are not to be reported to or damaged in regards to this matter as Portfolio Recovery Associates LLC., are not Holders In Due Course with contractual agreements to support goods or services provided to me. 
All calls are recorded for my safety Please be advised that Portfolio Recovery Associates LLC., are not Holders in Due Course. Please Cease and Desist. 

I have included all proof in the attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit 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:
Barclays Bank issued an XXXX XXXX credit card. XXXX ID is XXXX for card ending in XXXX card was charged {$1200.00} for services not provided. The card was used to book a week long hotel stay in XXXX. The card was issued for XXXX which found a local hotel The hotel was unsatisfactory, unsafe, with open drug usage. We canceled the reservation after XXXX night and paid the merchant separately. We contacted Booking.com multiple times but they had, transferred the money to a foreign country. It landed in XXXX and XXXX didn't have the money to return. This is an outright theft of {$1200.00} for no services or product provided. 

Barclays Bank should have provided protection for this fraud. But they claim they were not " provided the true nature of the dispute. '' This is a lie. We discussed this with them in detail.This is a large amount of money that Barclays wants us to pay them for nothing.

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 2019-09-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am try to pay with using my paper checks and always get denied even I have a fund availability XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX ( Denial Record # XXXX ) Every times I called your call center and they said my account active and ready to use.and they transferred XXXX department and they saying that my account don't have a funds. 

I am so tied and dealing with issue.Please fix this issue Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Experian Information Solutions Inc.
State: KS
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:
They are using addresses from correctional facilities on my report. It's impossible to gain accounts while you are incarcerated unless due to identity theft.

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 2022-11-27
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediatelXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have filed prior complaints because they showed me 30 days late every month or 60 days late, late from the transfer of the mortgages to SLS in XX/XX/2018. They finally fixed the credit reports a couple of months ago, so we were able to apply for a refinance to get a lower rate, lower payment ( which they escalated by making improper payments from escrow ), and to get away from this disreputable company. We are almost ready to close on the refinance, and now they have done it again. I even have their receipts that show the payments and they still report to the credit bureau. I have to pay a monthly fee to a credit monitoring company and over {$7.00} per month every month to send payments usps priority mail. I contacted their rep that corrected it before, but no response. If we lose the refinance, it is because they are violating the law and defaming me by the false reporting. They need their license revoked IMMEDIATELY!!! THEY NEED TO CORRECT THIS NOW!

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 2018-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I made a {$50.00} payment on my capital one bank account on my card ending in XXXX with scheduling confirmation Number : XXXX on XX/XX/XXXX. In making the payment, I put in a XXXX XXXX checking account number. I didn't give it a thought till I got an alert of overdraft fee from my bank ( XXXX XXXX XXXX ) on XX/XX/XXXX and upon investigation, I saw capital one took the payment from an checking account number they had on file that is used for my autopay, instead of the account number that I put in. I contacted XXXX XXXX XXXX immediately on XX/XX/XXXX who asked me to request Capital One refund the payment to that account before they can take off the fees. I contacted Capital One immediately I got off the phone with XXXX XXXX XXXX and explained the mobile app issue that led to the situation and offered to give them the right checking account it should have come out from in the first place. However, Capital One is essentially insisting that the mobile app malfunction that made them take the money from an account other than the one I put in is my fault. I spoke with an agent named XXXX with agent ID XXXX and when I felt the agent didn't have sufficient authority to resolve the situation, I asked for a supervisor, and spoke with XXXX who identified herself as a " Supervisor at the account escalation team ''. The reference number for the conversation is XXXX. She elaborated on why I am responsible for Capital One mobile app malfunction to my consternation. 

I do not feel it is right for me to be penalised for capital one mobile app malfunction that is not my fault. I gave them an account number to take a payment from, they did otherwise and want to blame and penalise me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12
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 2018-12-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My loan balances on my credit report fluctuate each month. One month they slightly increase by 20-30 $ then one month they will increase by THOUSANDS. Then the following month they will decrease by a few hundred. And then a few thousand. When I contact XXXX they can not explain why it does that. And say they will check into it. I have monitoring directly from ea h bureau and they notify me when changes occur. My score also goes down because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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:
In Accordance With The Fair Credit Reporting Act XXXX  These Accounts Below Have Violated My Rights. 

Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX  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.

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 2019-04-05
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done any business with a company called CAVALRY PORTFOLIO SERVICE, yet they misuse my personal information which they fraudulently obtained. I would like to know who this company is and why they have my information, furthermore do I need a contract showing my signature and nature of business with this company as they are committing fraud using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was a victim of identity theft. Equifax not only refuses to remove the accounts from my credit file, now they are pushing the dates of delinquency back so it appears on my report for longer than 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: Self Financial Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Signed up for services, enrolled in autopay the following month. Auto pay was set by rep and was set after due date. I called them several times to confirm no fees were accruing and they assured me that there was nit. Upon the end of the loan term I learned I was being billed monthly for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Citi Bank is in violation of the credit card act of 2009. 

While checking my recent statements within the last 2 months I noticed I've been having a higher interest rat set at 29.99 % APR and another line item for 15.24 % The interest rate was the same in XXXX and XXXX statements. In XXXX I applied for COVID-19 waiver and continued to make payments on time. In XXXX it showed a separate line item of 29.99 % APR. I received no notice of the increase. When I contacted Citi, they advised me that this was due to a returned payment that triggered a penalty APR of 29.99 %. I have paid off the full balance in XXXX but still have a 29.99 % APR and I have never missed a payment. This is a predatory tactic that banks are using to take advantage of people that were affected by the financial impact from COVID-19 especially among Veterans that have served this country.

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 2015-11-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I bank with Chase bank and had a grandfathered Checking premier account which consist of no maintenance fee for the past 13 years. In XXXX XXXX, 2015 I was given misinformation by a bank representative which resulted in my account being converted to a new Checking premier plus account with monthly fees after I was ensured that nothing would change on my account but the name of the account. I have contacted the bank to fix this and I am constantly getting the run around. Please assist me in getting my old account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I requested and was granted a mortgage modification on 2010 by GMAC mortgage ( now being handled by Ocwen Loan Servicing XXXX. I have been in the past 3 months trying to have them forgive part of my deferred principal. I have sent them letters and to no avail. I believe I was a victim of mortgage fraud when I refinance my mortgage and they have sent me a letter that I am eligible for principal reduction but not on my deferred princepal. I am confused.

Company response to consumer: Closed
Consumer complaint received 2019-03-16
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX was purchased by Mr. Cooper on or about XX/XX/2019. However, neither company has notified me that the servicing of the loan had transferred. 

I received a letter today XX/XX/2019 via USPS certified mailed indicating that the loan was in default. Since I do not where, when, or if any of my payments made to XXXX have been credit towards the mortgage either before or after servicing was transferred, I am not able to verify the legitimacy of the information contained in the attached letter. 

The loan was paid ahead by two mortgage payments for some time now. The last mortgage payment that was made was on XX/XX/2019 for the XX/XX/2019 installment. 

I am very concerned that the payments that have been sent electronically sent to XXXX are unaccounted for and the money has been distributed to unknown entities.

Company response to consumer: Closed with explanation