BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-16
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Choice Recovery violated Public La w 95-109, Section 805-C, THE  FAIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST. THEY DID NOT CEASE AND DESIST AS THEY DID NOT REMOVE THE DEROGATORY INFORMATION FROM ALL OF THE CREDIT REPORTING BUREAUS FILES.       I was advised by the credit bureaus, that  Choice Recovery placed th e account for collections per attachment.     I submitted per attachment under Public La w 95-109, Section 805-C, THE F AIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST in any and all attempts to collect the above debt. Pursuant to the Fair Debt Collection Practices A ct. 15 U.S.C.A 1601.1692 et  al, and to remove the derogatory information on my credit bureau files.       CEASE AND DESIST in any and all attempts to collect the above debt. Pursuant to the Fair Debt Collection Practices A ct. 15 U.S.C.A 1601.1692 e t al, and to remove all derogatory information on my credit bureau files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax lists a public record judgement on my credit file as  XXXX  as reported as of  XXXX    XXXX  . I have no knowledge of this public record and it has not been reporting on my credit report. I have lost points from my credit score because of this reporting and it is damaging my report and hindering me from obtaining credit. Please remove this public record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
Evidently amex didn't read the complaint the first time so this complaint as all other cards have not responded to me they have contacted my attorney. 

So please cease your auto pays Additionally AGAIN Please be advised that you need to cease with telling me I'm late ... by email ..letters to my address or phone. Or any means... so also stop with your auto reminders that I'm late ... I'm obviously aware I retained an attorney ... you can reach him at XXXX XXXX XXXX Address -- XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX If you're going to reply to this your reply should be like what other cards are doing they aren't talking to me about anything anymore... obviously you guys can't understand bankruptcy laws. 

Last warning!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I ordered what do you {$47.00} through XXXX 's website for clothes to my son late XXXX. I contacted when I never received the order. I was credited the amount of the order on to the XXXX 's credit card which is held through comenity. That was the only purchase that was on at card. There was no forwarding balance therefore when that credit was applied. It took my balance to {$0.00} so the credit card company charged my account a {$29.00} return payment fee for an account that had a {$0.00} balance. I tried contacting the credit card company and I got absolutely nowhere except being placed on hold or hung up on, When I Explained the situation and would ask for an explanation as to how I get charged a return payment fee for an account that has a XXXX balance. Provided all documentation showing the credit before the payment due resulting in {$0.00} due. I submitted a XXXX  complaint paid the fee as to not occur any more fees while awaiting am answer as to my complaint of which I have not received thru the XXXX  complaint or thru the inquiries I have submitted thru their website. I waited until the due date to make the payment. Now they are attempting to charge a late Payment fee. This is getting out of hand.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: WA
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, INC.
State: TN
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 Following Accounts are a result of Identity theft / fraud. I am requesting to dispute. Attached are FTC Fraud affidavits supporting my identity theft. 

Creditor : : XXXX XXXX Balance : : {$300.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$410.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$980.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$180.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$600.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1600.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1100.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1200.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1000.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$2100.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1400.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1400.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$730.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1300.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$2000.00} Account # XXXX Creditor : : XXXX XXXX XXXX Balance : : {$790.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$120.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$230.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX XXXX Balance : : {$190.00} Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax will not release my information to the other credit bureaus so I can review all three of my reports and credit scores. Equifax has removed my previous address from my credit report and is incorrectly reporting my length of time at my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2023-06-17
Company: EQUIFAX, INC.
State: GA
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:
This is my 3rd request that I am a victim of identity theft and I complain to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, NM XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$620.00}, XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 i mailed a certified letter to Experian which was received and delivered on XX/XX/2023 at XXXXXXXX XXXX, I never received ANY RESPONSE back of the investigation i requested about the inaccurate accounts you are reporting, then i sent another letter certified delivered XX/XX/2023 XXXX XXXX  certified asking for a response to my previous letter and investigation and i still didnt get a response and i feel that i am being taken advantage of and ignored of my disputes section 611 ( a ) it plainly states failure to investigate these items within 30 days gives a reason to IMMEDIATELY remove those items from my credit report, it has been over 30 days so they should be deleted promptly and clearly you are violating my laws and the fair credit reporting act. i demand these accounts be removed and deleted immediately.

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 2022-04-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Good morning, on or about XX/XX/2022, there were several fraudulent withdraws made from two of our checking accounts. Our bank is Chase Bank. These withdraws totaled approximately XXXX. 

There were withdraws from one account of XXXX, XXXX and XXXX. The other account had withdraws of XXXX and XXXX. 

All of these withdraws were made without our knowledge by someone we do not know. We did alert Chase Bank immediately upon learning of these fraudulent transactions. Let me tell you, this has been a roller coaster ride given to us by the Bank. 

First, they did credit one account back the XXXX, XXXX and XXXX. However, they then reversed the XXXX and XXXX transactions, without notice. They STILL have not even addressesd the other account or the fraudulent activity, rather, they r putting the onus on us to show they were not made by my husband or myself. Let me add, we have been customers of Chase Bank for over 30 years. They were XXXX XXXX and XXXX XXXXXXXX over the course of those years. At one time, we would be alerted immediately to any questionable transactions to our accounts. All of these withdraws were absolutely questionable. As those type of withdraws are not normal, ordinary or customary for either of these accounts. We did make a police report, who also made the observation that these were very out of the ordinary, looking at our history. 

I am asking, pleading, begging for some assistance here in helping us to convince the bank that these transactions were not made by us and we need to have our accounts made whol. Bringing them back to where they were before this occurred. We have been met with consternation and more than questionable customer service. They have, in essence, called us liars and theives! 

Please, if you have any ability to look into this situation in order to have our funds credited back to the accounts in question, I would be more than grateful. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire in the total amount of XXXX USD utilizing JP Morgan Chase services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Afni is tryi ng to collect on a debt on the behalf of  XXXX  that I do not owe. I have sent many letters to this company but they refuse to remove this derogatory remark from all  XXXX  credit bureau  s,   XXXX ,  XXXX   XXXX , and  XXXX . I spoke with  XXXX  and they are very upset with this company which I am a valuable customer to them ...   please have this company removed this remark off my reports as it is affecting my credit. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2017-05-16
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: Account status incorrect

Complaint:
I consigned for a loan, had a missed payment, and was never notified about it before it was reported late on my credit report. The payment was not made late. I got no phone call about it or any opportunity to make the payment. The account owner is also going to file a complaint today.  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal dispute regarding the inaccurate information on my Equifax credit report. Despite my previous contact with Equifax on XX/XX/XXXX, they have not responded to my concerns. I kindly request your assistance in addressing the following inaccuracies : XXXXL XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$53.00} The XXXX XXXXXXXX account listed on my Equifax credit report was never late. I kindly request Equifax to correct and update this inaccurate information accordingly. 

XXXX XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$7400.00} The XXXX XXXX  account listed on my Equifax credit report incorrectly indicates a late payment. I request Equifax to remove the late payment designation from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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:
Despite the multiple previous written requests, the unverified these item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I  XXXX   XXXX   XXXX , obtained financing from   XXXX   XXXX   in   XX/XX/XXXX   as an INTEREST ONLY Loan paying paying flawlessly for 15 years {$1800.00} until   XX/XX/XXXX   I missed my first payment because of a pending  retirement . I requested a Loan Modification that would have been in line with the projected Social Security Monthly Benefit Payment, however,  XXXX  did not response, but did write a on   XX/XX/XXXX   stating that I was in default, then suddenly sent another letter dated   XX/XX/XXXX   informing me that the Mortgage was transferred to SLS, I immediately applied for a Loan Modificcation with SLS sending the  1st.  completed request package on   XX/XX/XXXX   explaining in my hardship letter, I was  retiring  in  XX/XX/XXXX , and wanted to remain in my home. I furnished in that request a  Letter f rom th e Social Security Administration sho wing my reduced income will go into effect on   XX/XX/XXXX  .  SLS OFFERE D THE LETTER AND OFFERED A LOAN MODIFICATION BASED ON MY SALARY. I refused the offer and month after month, with each newly assigned Relationship  Manager, I sub mitted a Request for a Loan Modification ( RMA ) I used the  XXXX   XXXX   XXXX  Forms. I extended my  retirement , and medical treatment to   XX/XX/XXXX .  To date, no offer of a Loan Modification inasmuch as I can show Social Security Deposits in my Ba nk Statements. I tried to short-sell, and with offers sent to SLS, there   have not been any responses to the short=sell. I cancelled the short-sell in   XX/XX/XXXX , an d have sent Loan Packages in   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   a nd  XX/XX/XXXX  el ectronically. I want a loan modification based on my reduced financials. I paid over {$260000.00} in interest to   XXXX   XXXX   for 15 years and have NEVER ONCE BEEN LATE!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Shellpoint Partners, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a mortgage with Shellpoint Mortgage Service. Due to Covid and a XXXX, I was offered a forbearance program during a financially hard time. I accepted the offer and was not told there would be any fees. In XXXX, I spoke with XXXX XXXX about initiated payments again so I could get back on track. XXXX stated that we could not start paying and we needed to wait till XX/XX/2021 and they would tell me how to proceed. 

I am selling the home to move into a more suitable place for my age and health and just received word that, though the loan balance is {$100000.00}, that they are charging me {$120000.00} payoff. 

This is more than 20 % over the loan balance and has created even more financial hardship as I attempt to rebuild my life. I have requested a breakdown of the fees and the date they are for. In searching online for customer complaints about this company, I am finding that this is a common practice with them. I am requesting help in dealing with this situation please, as well as a review in this companies dealing with other customers such as myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation