BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i never requested to get my credit inquiry for inquiries mentioned below : A FEW OF THEM ARE 6 TIMES OR REPEATED AFTER XXXX MONTHS. PLEASE REMOVE THIS - THIS WAS NEVER APPROVED OF ME TO GET INQUIRED. 

XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2023 Automotive ( XXXX ) XXXX -- - XXXX XXXXXXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XX/XX/2023 Automotive ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX  Inquiry : XX/XX/2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XX/XX/2023 XXXX XXXX XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XX/XX/2023 Finance/Personal ( XXXX ) XXXX -- XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX  XXXX : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Automotive XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home mortgage with the company called Loandepot in XX/XX/XXXX and included Taxes and Homeowners insurance in Escrow. In the last week of XX/XX/XXXX, I logged in to my online account and found that no Insurance payment has been made from my escrow. My Homeowner 's insurance expired in XX/XX/XXXX because of that. I followed up with loandepot and was told that My Insurance  broker company never shared new bills with them and they have put me on forced insurance. I made them available with these new bills. A lot of back and forth happened with no results. I contacted XXXX XXXX myself and they told me that since the policy has expired they have to write a new policy. Still loandepot was telling me that they are communicating with XXXX XXXX regarding the policy renewal. I gave up hope on loandepot resolving anything. Already 3 months had passed without Homeowners insurance, so I bought a policy myself on XX/XX/XXXX and updated loandepot about it on XX/XX/XXXX. They screwed up again and XX/XX/XXXX I noticed on my online account that a payment of {$730.00} has been paid from my escrow to the insurance. I contacted loandepot again and they have no idea that they have made a payment to the insurance policy that was expired in XX/XX/XXXX. I haven't got any resolution from them yet. Every time I call, they put me on hold for hours. Please help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: NC
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:
My name 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 2021-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
15 USC 6809 ( 9 ) ( 9 ) Consumer The term consumer means an individual who obtains, from a financial institution, financial products or services which are to be used primarily for personal, family, or household purposes, and also means the legal representative of such an individual. 

You are a financial institution according to 15 USC 6809 ( 3 ) ( a ) ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12.

You as a consumer 15 USC 6809 ( 9 ) I am the natural person, and agent of the consumer XXXX XXXX XXXX XXXX who obtained from you CAPITAL ONE a credit extension, a service that created an account and I want said account to be sent to the original Creditor, I want the funds from this account to be reimbursed to the original creditor of this account. 


Any digital contract that has been created with this Credit Extension and the issue of the account, card number : XXXX that rests in you is rescinded and it is required that the funds be remitted to the original creditor. As the original creditor I demand that all funds that resulted in the issuance of this account be refunded to me within 20 days. Otherwise I will be forced to file a lawsuit. I have all the relevant evidence to show that you used my credit without my consent. They are not creditor, they are the financial institution that sells financial services, they do not lend money and they have to reimburse me for all money used and obtained without my consent. 15 USC 1602 ( g ). 15 USC 1692 a ( 4 ) 15 USC 1602 ( I ) ( I ) The adjective " consumer '', used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit uis offered or extended is a natural person, and the money, property or the services that are the object of the transaction. are primarily for personal, family or household purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, For 1 year I've trying to rectify my escrow account after receiving my escrow analysis back in XX/XX/XXXX. I was in bankruptcy but at a reaffirmation/automatic stay. My house was not included in the BK. Last yr I had to scan in my property tax bill because they didn't include my increase. I did my own analysis with the increase and paid the shortage {$600.00} shortage XX/XX/XXXX to cover the new prop tax pmnt, paid the increase in the mortgage payment to cover everything which was {$1600.00} as opposed tot he {$1500.00} they were requesting. Come XX/XX/XXXX the site said my payments were going up {$41.00} making it short {$500.00} but I tried to explain to them there is already a surplus of {$600.00} so it's impossible to be short anything that high while it's already sitting there. After my new analysis I did on my own and being I must have $ in my escrow account all I need to pay is {$230.00} because escrow can't be at a XXXX. On XX/XX/XXXX I spoke with a Sup and she was so ignorant I had to hang up, toda I spoke with a Sup who refused to go over my findings and escation to escrow dept was sent. I advised her the CO sent a letter dated XX/XX/XXXX plz pull it up she refused due to an escalation from XX/XX/XXXX. Here is my analysis which they don't get. 
ok XXXX thru XXXX escrow of XXXX x XXXX XXXX then homeowners insurance ins will be paid paid XXXX XXXX XXXX then bal {$2000.00} then XXXX pmnt of escrow will be paid XXXX bringing escrow balance to XXXX Then XXXX prop tax pmnt is {$3100.00} and hving the in escrow XXXX my new total is negative XXXX but there is a surplus of {$600.00} sitting in escrow now. 
So if anything i may be short XXXX not {$500.00}. 
When I worked mortgage if a customer asked to go line by line we did it, this CO does not, never has answers nd I even had XXXX in BK dept she doesn't know escrow. 
How can believe anything this company says or does. no one in that CO knows escrow. The literally are worse than XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-11-05
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent MERCHANTS ADJUSTMENT SERVICE, INC a letter about a alleged debt of XXXX that i don't owe nor had any dealing with. i requested certain information as follows : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called the company that was on my credit report, and was not able to see what account it was with, then they told me it was XXXX, I let them know it it not my account, and the Superior said she was going to take care of it because the information she had me verify was my personal information was incorrect. So she said she was going to take care of it In accordance with The Fair Credit Reporting Act CITICARDS CBNA has violated nay rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion is reporting without My person 's consent. 
Transunion is allowing fraudulent negative information to adversely affect my person 's credit standing. 
I XXXX XXXX, Last four ending in XXXX, believe that ALL public debts are obligations of the United States as stated in 18 USC 8, 31 USC 3123 and 31 USC 5118. 
If any debt can not be verified under the penalties of perjury by an agent or Principal of a corporation, it must be removed from a person 's consumer report. 
Consumer reporting agencies rarely achieve this level of validation. 
Therefore, agreements established fraudulently must not negatively affect a consumer 's report once identified by the consumer as such. 
Truth in Lending is self explanatory. 

AFFIDAVIT OF TRUTH I, XXXX XXXX, do solemnly affirm and state under penalty of perjury that the following information is true and correct to the best of my knowledge and belief : I am fully aware of the importance of consumer privacy rights and the laws that govern the collection, use, and disclosure of personal information. As a consumer, I have the right to control how my personal information is collected, used, and shared by companies and organizations. 
One of the key principles of consumer privacy is the concept of " permissible purpose. '' This means that companies and organizations may only collect, use, or disclose my personal information for a specific and legitimate purpose, such as to provide me with a product or service that I have requested or to comply with legal obligations. 
I understand that companies must obtain my written consent before collecting, using, or sharing my personal information for any purpose other than those permitted by law. This means that companies must provide me with a clear and understandable explanation of how my information will be used, and I must be given the opportunity to opt-out of such uses. 
I further understand that I have the right to access, correct, and delete my personal information held by companies or organizations. This means that I can request that companies provide me with a copy of my personal information, update any inaccuracies, and delete my information from their records. 
I am fully committed to protecting my privacy rights and will take all necessary steps to ensure that my personal information is used only for the purposes for which it was collected, with my written consent and in compliance with applicable laws. 
I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 

By : XXXX XXXX, Beneficiary Date : 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 2021-06-15
Company: Experian Information Solutions 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:
my husband and I had an agreement with XXXX ( now XXXX ) : Forbearance on our mortgage for the year of XX/XX/XXXX due to financial hardships b/c of covid 19. our Forbearance agreement started in XX/XX/XXXX -XX/XX/XXXX. our payments made during the year ( {$3500.00} ) was not deducted from our principal or or forbearance balance, or escrow. They ruined our credit with the credit bureau and reported over 12 late payments during covid 19 and while we were in forbearance. They also did not deduct the months of payments that were made during covid 19 about {$3500.00} of payments that were made were not deducted from our mortgage or interest/escrow. 
My husband and I can not get XXXX on the phone. 
XXXX XXXX XXXX has bought out XXXX and they will not respond. 
Experian has tried to help resolve the issue and nothing has been done since we closed on our house XX/XX/XXXX. 
Experian has proof of the payment from my husbands bank account proving the {$3500.00} of payments made during the year of XX/XX/XXXX. 
please help us as we can not get another loan for a house b/c of what XXXX ( now XXXX ) has done to our credit and it is an awful situation, we feel we are scammed and we are stuck and can't purchase a house b/c XXXX was dishonest and has destroyed our financial reputation. we have paid our balance in full since XX/XX/XXXX. we feel cheated. we feel lied to and stolen from and now our reputation is destroyed, i was denied many morgage loans b/c of it.

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 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was going over my credit report and noticed inquiries that I did not authorized.

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 2023-02-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

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 2021-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have two fraudulent accounts now owned by XXXX XXXX XXXX that originated with Capital One Bank Usa. Neither of these account a are a result of any credit I established nor have I lived at the Ohio residence the statement summaries were sent to. The accounts are for XXXX and XXXX Acct # XXXX Amount : {$1200.00} Opened : XXXX Credit card Status : Seriously past due assigned to collections Acct # XXXX Amount : {$220.00} Opened : XXXX Credit card Status : Seriously past due assigned to opting dispute they directed me to ftc.gov and advised me to fill out complaint there and forward receipt to collections XXXX XXXX XXXX XXXX XXXX for XXXX XXXX ;. 
XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX Upon attempting to file dispute they advised portfoliorecovery.comme I would need to go to ftc.gov and file it then forward receipt to XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: CA
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-10-15
Company: SYNCHRONY FINANCIAL
State: VA
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 sent a letter to SYNCB/PPC to validate a false debt that they put in my name and has been negatively effecting my credit report, the weren't able to validate the debt as mine so they closed the account and registered it as paid, although I have never given them a dime.

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 2021-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX and XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected.

Company response to consumer: Closed with explanation