BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I got scammed by a fraudulent car rental company while on vacation in XXXX. They told me they were preauthorizing my credit card for XXXX euros while they took my card to the back room and charged it for XXXX euros and faked my signature. All while the reservation was fully paid on XXXX to begin with. Their excuse was they need a non XXXX card to preauthorize ( XXXX was booked with my XXXX due to complementary rental car coverage ). Chase bank refused to take my case seriously from the start, deciding the case against me without even reaching out for information. After I complained, they told me to put some info together but they still decided the case against me, even though I did exactly what they requested which was get proof from XXXX that they paid the merchant on my behalf. Then they promised a manager will call me back to arbitrate the case, but someone called one time, left a voicemail without any contact info, and never bothered to call back again despite me calling them multiple times to request a callback. Joke company chase needs to be sued for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: ONLINE Information Services, Inc.
State: IL
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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which makes this unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
First, these people never made an attempt to contact me on the collection at all. This company has filed a second claim against me for the same XXXX  bill that I have already disputed and won. Even though I won the dispute with all the evidence including transcripts where I spoke to XXXX and they stated that they didn't know why this was being claimed by XXXX and that my account was paid in full. This was a issue with the partnership between XXXX  and XXXX with an apparent lack of communication. I had an account with XXXX that bundled XXXX XXXX  They just continually keep filing this in collections. It makes absolutely no sense. I paid this debt immediately when it was owed through XXXX well before it was ever sent to collections. Now my life is a nightmare for a XXXXXXXX XXXX XXXX that was that was never even owed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: SUN WEST MORTGAGE COMPANY, INC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Greetings, I have a VA loan on our home & property. We have refinanced twice before. As a result of Covid 19 & other issues, the rates went down again. We wanted to reinance for a lower rate. Nearing the end of the process, the mortgage company advised us that there was a title issue. I told them that this was a VA loan from the beginning. The first title company was with XXXX XXXX, now this the mortgage company, Sun West is using XXXX XXXX XXXX company.The mortgage company that XXXX XXXX XXXX had found issues with the title & would not complete the refinance, I contacted a manager with XXXX XXXX XXXX & he advised, after checking into it that there was no issue that he could find. I then contacted the XXXX XXXX tax office & they advised that the property was confirmed to be in our name and found no issues. I contacted Sun West Mortgage Co. again & told them what I learned. Sun West did not have a good reply & noted my complaint & said that they would investigate. this is what they replied to me : Here are a list of the issues title has brought up to us : XXXX XXXX XXXX is deceased. XXXX XXXX XXXX 's Will has been admitted to probate under Case or Docket Number XXXX in the Probate Court XXXX of XXXX XXXX, Texas. Company requires : a ) A copy of the Will and either : i ) Muniment of Title and/or any other orders affecting title to the subject property. 

b ) Satisfactory evidence, in accordance with Procedural Rule P-11 ( b ) ( 9 ), that state inheritance and federal estate taxes are paid, or will be paid. 



Upon review, Company reserves the right to make additional requirements and/or exceptions. 



We have been informed that this transaction involves an existing Manufactured Housing Unit to be conveyed with the real property. As a result, the following requirements apply : 1. Seller must obtain, in their own name, a Statement of Ownership and Location having designated the subject Manufactured Housing Unit as real property prior to closing the transaction.

2. The real property status must be perfected by filing a certified copy of the Statement of Ownership and Location in the real property records in Nueces County. A copy of the filed instrument must be returned to the Texas Department of Housing and Community Affairs.

3. Copies of the recorded Statement of Ownership and Location must be sent to the tax assessor-collector for the property. The Manufactured Housing Unit must be removed from the personal property tax roll and added to the real property tax roll as an improvement to the land.

I can't beleive there is an issue & I beleive that Sun West is not treating us fairly or professionaly. Please advise if this is something you guys can help with or directme to someone who can. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My primary mortgage company Ditech was on the verge of bankruptcy processing, my account has been transferred to XXXX started on XX/XX/2019. 

Ditech sent false report that do not match the real monthly payment to new service XXXX, also Ditech sent a delinquent credit report. 

The US Bankruptcy court sent a notification in XX/XX/XXXX, which made me stop 1st check of {$550.00} ( escrow shortages ).  Ditech sent a letter about my mortgage loan service transfer to XXXX around XX/XX/2019, that is the reason to stop the 2nd check of {$500.00} ( the check sent on XX/XX/19 ) From XX/XX/XXXX to now, I called the both Ditech & XXXX many time to seriously state that the two stopped checks all for escrow shortages, not made for a regular monthly mortgage payment, because escrow shortage is optional, as customers like I have the right to choose Yes or No. These two stopped checks does not concern the regular monthly mortgage payment, because of the monthly payment funds {$1400.00} withdrawal from my bank every monththat is pure fact. Also I sent the two monthly payment proof ( the paid check copy and bank statements ) by email and by mail to the both Ditech & XXXX I always asked them to provide a banks chargeback source for XX/XX/XXXX payments, but Ditech could not do provide any documents, and refused to admit that the XX/XX/XXXX payment was counted as credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: WI
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2022-06-18
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt collection letter dated XX/XX/2022 was delivered on XX/XX/2022 to my parents ' address addressed to me from Commonwealth Financial Systems. The letter stated that Commonwealth Financial Systems is a debt collector, " we are trying to collect a debt the you owe to XXXX XXXX XXXX XXXX, the purchaser of the bellow referenced account. The creditor was XX/XX/XXXX XXXX XX/XX/XXXX. We will use any information you give us to help collect the debt. '' The letter further states " How can you dispute the debt? '' With the options of " Call or write to us by XX/XX/2022, to dispute all or part of the debt. If you do not, we assume that our information is correct. '' Below that option stated : " If you write to us by XX/XX/2022, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. '' I wrote the company in writing, explaining my financial hardship and expressing that I would not claim the debt but was willing to compromise and pay the debt in its entirety at a reduced amount I could afford due to my financial hardship. I mailed the letter using the United States Postal Service by certified mail. The letter further requested Commonwealth Financial Systems responded within 10 business days of my initial offer and terms to settle the account as paid in full not a collections account on my credit report. As per Commonwealth Financial Systems letter, under the section, " What else can you do? '' option " contact us about your payment options, '' I made my attempt to civilly contact the company has refused to contact me back in writing to compromise with my initial request to pay the reduced amount and settle the entire account. On XX/XX/2022, I mailed a certified letter to the dispute requesting all original documentation. As per Commonwealth Financial Systems letter Reference : XXXX, Commonwealth Financial Systems states " contact us about payment options '' and " write to us by XX/XX/2022 to dispute all or part of the debt. '' Commonwealth Financial Systems did not honor their statement and immediately added the debt to my credit report without any action to communicate in writing a response to my letter. This is an unfair and deceptive practice and method of collecting this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
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:
I RECEIVED MY CONSUMER REPORT AND FOUND MANY INACCURACIES AND I WANT YOU TO DELETE THEM OFF MY CONSUMER REPORT IMMEDIATELY, LISTED BELOW ARE THE INACCURATE ACCOUNTS. 

XXXX XXXX BALANCE XXXX $ STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( TRANSUNION ) XXXX XXXX BANK XXXX XXXX $ XXXX CLOSED, ACCT # ( INACCURATE ) XXXX, LAST PAYMENT ( XX/XX/XXXX ) ( INACCURATE ) ( XX/XX/XXXX ) OPEN DATE, LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX XXXX XXXX BALANCE XXXX $ STATUS CLOSED ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( INACCURATE ) ( XX/XX/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 2023-07-31
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 explanation
Consumer complaint received 2023-07-15
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an account with XXXX XXXX in XXXX. I didn't agree with what they charged and I quit doing business with the company. I switched over to XXXX at the time. I completely paid XXXX XXXX off so that I could take the phone I had at that time. Several years later they told me I owed more money. I do not owe them anything. Now they have sold thos imaginary debt to to a debt collection agency called southwest credit systems Inc. The amount of {$1800.00}. They have completely misrepresented the facts on my credit report stating this claim was from XXXX. Time has ran out on this debt. This is damaging to my credit report and an unfair practice of this company. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: GA
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:
In XXXX, XXXX I submitted a FTC REPORT due to my credit file being impacted by the XXXX Data Breech. Disputes along with the FTC REPORT were mailed off to Experian, XXXX, XXXX and as of Today XX/XX/XXXX. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed : XXXX XXXX XXXX  : Account number : XXXX, This account was unauthorized. Can you delete this ASAP and send me and update. 
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. I see this account is still not remove. Please delete. 
XXXX XXXX XXXX XXXX  | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. I see this account is still not remove. Please delete. 
XXXX - XXXX : Account number : XXXX, This account was unauthorized. I see this account is still not remove. Please delete.XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX NA | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX NA | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX  XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and XXXX XXXX XXXX XXXX : Account number : XXXX, This account was unauthorized. I see this account is still not remove. Please delete.

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 2023-05-16
Company: Experian Information Solutions Inc.
State: CA
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 second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 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 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 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 explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX & # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: CA
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:
My information was compromised as a result of identity theft. The following account was open. 

XXXX XXXX XX/XX/2016 XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX  XXXX # XXXX ACCOUNT has violated my rights. 
XXXX XXXXY XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I DD NOT GIVE WRITTEN INSTRUCTION 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I RECEIVED A CALL FROM SOMEONE CLAIMING I TRIED TO PURCHASE AN XXXX AND SHIP IT TO XXXX MD, WHICH I DID NOT. THERE ARE SEVERAL MISSPELLINGS OF MY NAME REPORTED ON MY CREDIT REPORT THAT NEED TO GET REMOVED

Company response to consumer: Closed with explanation