BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After viewing a copy of my report, I noticed a collection account placed on my credit report from JPMBC -Card Service on XX/XX/XXXX in the amount of {$12000.00}. First and foremost, I have confirmed that the debt collector JPMBC -Card Service is not licensed in the state of Florida to collect on this debt. Secondly, JPMBC -Card Service violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to JPMBC -Card Service? Fourth, I have submitted several disputes with the credit reporting agencies ( XXXX, XXXX, Transition ) and provided them with valid proof of police reports, not 1 but 2 police reports stating and showing that I am a victim of Identity theft and that this alleged dept is mine. Its been 7 YEARS and this still is reporting on my credit report. Ive called the credit reporting agencies and they told me that this should be removed by XXXX of XXXX, however I am requesting and demanding that this be removed immediately! I have never heard of them, have no written contract with them and have never received any benefits from them, yet JPMBC -Card Service has submitted negative information to all three credit reporting agencies ( XXXX, XXXX XXXX XXXX ) against my name and social security number and is demanding payment from me in the amount of {$12000.00}. I am requesting validation made pursuant to 15 USC FDCPA. I respectfully request that JPMBC -Card Service provides me with competent evidence that I have any legal obligation to pay them. I asking that JPMBC -Card Service to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statue of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6. show me that you are licensed to collect in my state ; and Registered Agent. If proper validation of the alleged debt can not be provided, I demand JPMBC -Card Service immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX XXXX XXXX XXXX I also demand JPMBC -Card Service agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that JPMBC -Card Service agrees to remove my personal information from all accounts in its companies database.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX  months ago i changed banks and put all the information for Hyundai motor to take my monthly payments, however there was a problem because the money went through than days later it did not go through according to Hyundai. since than i been on the phone communicating with customer service and been paying XXXX every week for the last month to pay XXXX month and my current month since i was only XXXX month ( XXXX ) behind. Now that i speak to Hyundai they are telling me i still owe for last month ... Can some please help me as i feel im helpless and might not keep paying them!! 

P.s every time i asked to speak to a manger customer service refuse or hang up which i believe is against my consumers rights and they sent information to my credit which is not accurate saying im in delinquency.

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 2023-01-26
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I XXXX XXXX submit this complaint against Mr. Cooper concerning my alleged missed XX/XX/XXXX Mortgage Payment. Whereas I sent my payment to the XXXX XXXX XXXX XXXX in error. Using my Mr. Cooper XXXXaccount loan number aware that my account was being held by Mr. Cooper starting in XXXX. On XX/XX/XXXX I mailed XXXX a money order for {$1400.00}. I assumed my payment was posted into my account, until XX/XX/XXXX when I received a check from XXXX refunding my payment. Because of the miss communication, XXXX intentionally caused my XX/XX/XXXX payment to be late by not returning it to me timely. When I did receive the check, I immediately forward the check to Mr. Cooper with a copy of the original money order showing the date along with the correspondence from the XXXX, Informing Mr. Cooper my mortgage payment was paid on time. I was criticized by Mr. Cooper for the XX/XX/XXXX payment being late. As of XX/XX/XXXX, Mr. Cooper claims that I miss the XX/XX/XXXX payment I still owe a balance of {$2100.00}. Mr. Cooper/XXXX  sent me my XXXX mortgage statement clearly states I owe a total of {$4200.00}. I was informed by Mr. Cooper that my check for {$1400.00} was shredded, and Mr. Cooper claims they sent me a notice concerning my checkthis was a notice I never received until XX/XX/XXXX after inquiring about my missing payment. The letter wasnt addressed to me ( XXXX XXXX ) it was addressed to XXXX ( letter attached ). I felt like Mr. Cooper assumed that I have money to give away. Because of their so-called check policy, they shredded my check not intending to return it to me or credit it to my account. It was stolen from me without any recourse on their part. I was also informed by Mr. Cooper that I made a XX/XX/XXXX payment in the amount of {$3000.00} I have no conscious of any such payment. The mortgage payment I paid for XX/XX/XXXX in the amount of {$1800.00} that payment was submitted by money order ; which leaves a difference of {$1200.00} which was posted on XX/XX/XXXX. The numbers do not add up. Therefore Mr. Cooper owes me a full reimbursement and credit to my account for the alleged missed XXXX payment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I SENT 5 DISPUTES LETTERS TO THIS COMPANY ANBD THEY IGNORED ALL MY LETTERS. NO RESULTS / NO REMARKS / NO INVESTIGATIONS, THEY REFUSED TO INVESTIGATE AND BY LAW THEY HAVE TO INVESTIGATE. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), THIS COMPANY must complete the investigation within 30 days of receipt of this letter, and they have not. please investigate.

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 2023-12-01
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Missed payment due to loosing job. They keep calling 5-10 times DAILY! It has become a nuisance. Just started a new job and am waiting for first check. They call CONSTANTLY to the point its embarrassing and people at wk are noticing. Last month when they did this I told please stop calling more than the legal allowed seven times a week! That never stopped them!

Comenity Bank has illegally violated the Fair Credit Collectors Act and should be help accountable and looked it. Id like to see about filing a class action law suit against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian bypassed the DMV/BMV requirements while innacurately reporting consumer reports

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXXXXXX Balance : {$370.00} XXXX XXXXXXXX Balance : {$250.00}

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the inquires most of them were removed but these last inquiries and 1 account did not come off and they are fraudulent and are not mine. 
1 ) XXXX XXXX XXXX XXXX XXXX Auto ) ( XXXX XXXX ) 2 ) XXXX XXXX  ( XXXX XXXX ) 3 ) XXXX ( XXXX XXXX ) 4 ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) 5 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX Curo ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) Account XXXX XXXX XXXX {$250.00} ( XX/XX/XXXX ) My student loans were combined into one I dont understand why these closed accounts are still on my account when I have disputed for these to be removed as well. 
Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of Ed/XXXX Closed XX/XX/XXXX Dept of Ed/ XXXX Closed XX/XX/XXXX Dept of Ed/XXXXt Closed XX/XX/XXXX Dept of Ed/ XXXX Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXXXXXX 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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hello. I have been informed that the credit reporting agencies are reporting theres a balance On XXXX XXXX XXXX XXXX that was XXXX in my bankruptcy and also I have been released the car and all responsibility to this loan and car. 
They are reporting a balance and inaccuracies on this. 

I have attached proof and Bankruptcy documents that show it was added in my XXXX  XXXX as well as 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 2023-01-26
Company: EQUIFAX, INC.
State: LA
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:
Creditors are in direct violation of 15 U.S. Code 1666b & section 1637 ( b ) because they I was never mailed or delivered 21 days before any due date the information regarding the due date of my payments before they added late payments to my credit report. They need to remove these late payments or I will pursue arbitration for violating federal consumer laws. Law states no creditor may treat a payment late unless they send a mailed or deliver information required by section 1637 ( b ) 12 ) Requirements relating to late payment deadlines and penalties.

( A ) Late payment deadline required to be disclosed.

In the case of a credit card account under an open end consumer credit plan under which a late fee or charge may be imposed due to the failure of the obligor to make payment on or before the due date for such payment, the periodic statement required under subsection ( b ) with respect to the account shall include, in a conspicuous location on the billing statement, the date on which the payment is due or, if different, the date on which a late payment fee will be charged, together with the amount of the fee or charge to be imposed if payment is made after that date.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX ALL LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX ALL LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL LATE PAYMENTS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX Credit Report for XXXX XXXX XXXX here are my consider : XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX please remove from my credit report fraudulent information. address XXXX XXXX XXXX XXXX IL XXXX Pleases remove from my credit report. I contact the credit bureau and this address was not removing. Remove XXXX XXXX XXXX XXXX. The correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Business address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL XXXX XXXX. XXXX Dept this account open XX/XX/XXXX, paid off {$77000.00} XX/XX/XXXX this account on my credit report didn't get the correct point, which was fraudulent, it was like I was penalizes for pay off early. 
3. XXXX XXXX put on my credit report this account was late I pay off XX/XX/XXXX {$29000.00} the Loan before it was due to expire which was a 6-year loan open XXXX expired closed on XX/XX/XXXX so the information that was given to you it was fraudulent. so why this stays on my credit it affects my credit. I had two accounts with XXXX XXXX pay off {$28000.00}. open in XXXX XXXX I closed the account XXXX XXXX pay off in full. XXXX XXXX XXXX opened XXXX XXXX, Closed XXXX XXXX This account was paid on time, and I paid off. why they closed the account didn't make sense unfair founding because of my student loan but paid off. 
4.XXXX XXXXXXXX XXXX This account was not mine fraudulent

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 2022-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I noticed today XX/XX/XXXX that on XX/XX/XXXX Capital One furnished false and misleading information on my credit file showing my Capital One Spark account XXXX and Capital One personal, account XXXX, were both cards are closed with late payments and a balance. 

On XX/XX/XXXX, I sent Capital One in a payment for both accounts, so there should be no reason either account is currently reporting a balance. 

On XX/XX/XXXX, I also sent Capital One CFO a notice for late payments demanding that those late payments be removed off my credit report because it is a violation to report any personal transactions on a consumer report. 
Capital One has been in dishonor for failure to speak and stealing my negotiable instruments and not crediting my accounts. There is no lawful money therefore there is no lawful way to pay any alleged debt. Alleged debt can only be paid through valuable consideration of an instrument which Capital One can not request a specific species of instruments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
see # XXXX, base on our last communication with Nation Star dba/Mr. Cooper we regret to inform all parties involved that a resolution as NOT been reached. We have requested an appeal of the interest rate of 6.875 %. As of XX/XX/2018 this company has failed to do anything to assist us, besides answering the complaints. Regarding modifying our mortgage, the past due payments were placed at the end of the mortgage, increasing our loan balance. I received a call from a XXXX on XX/XX/2018 @ XXXX, responding to the modification returned unsigned. We have requested an appeal. This must be acknowledged. This person I spoke with sounded more like a trained collector. Nation Star or Mr. Cooper employees are not properly trained to address the dynamics of a mortgage, escrow, insurance, interest rates, etc. We were told that our interest rate could not be lowered, no explanation was given as to why. Each time we call, we are getting multiple representatives from various backgrounds and skills levels. Our POC is a person whose first language is apparently not XXXX, which is an insult to us. The person calling today name XXXX, did not share with me his position nor provide a last name. We regret being treated as second-class low-income citizens from a third world country. Modification documents were sent back unsigned, this was not a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I received an alert from a credit monitoring service that an account labeled " XXXX XXXX XXXXXXXX '' with a balance of {$660.00} was opened on XX/XX/22 and reported on XX/XX/22. I have no knowledge of this account and it is fraudulent.

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 2018-03-21
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We live in Florida and had to evacuate for Hurricane Irma. Our area was declared a disaster zone and we were told that mortgage companies were required by the federal government to give us a 90 day grace period on our mortgage payments because of that. We contacted our lender, Mr. Cooper, and they confirmed that this program was available to us. They immediately put us in some kind of forbearance/deferment which they confirmed in writing. At the end of the 90 days, they declared us in default and demanded immediate payment of three months ' worth of mortgage payments. We contacted them and they're saying that we have to apply for refinancing. In other words, they're not moving the three payments we were given grace for to the end of the loan. It doesn't make sense that they would expect us to have all three payments available since the whole purpose behind this program was to compensate for the fact that we weren't able to work while our area recovered.

We've talked to Mr. Cooper several times and they're refusing to work with us outside of forcing us to refinance. They've accepted several payments from us, but they're still forcing the issue. We don't think this is just or in the spirit of the law. It sounds like a scheme to try to take our house.

Company response to consumer: Closed with explanation