BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-29
Company: Debt Recovery Solutions, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent a validation letter to collection agency asking for proof this belongs to me. It has been over 50 days now and I have given them ample enough time to respond. This appeared on my credit report and I have not been to this company for a payday loan. I have no idea were this is coming debt is coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX I received a letter from Chase bank stating they transferred my mortgage to XXXX XXXX XXXX.My house located in Florida is being in foreclosure since XX/XX/XXXXand due to some mishaps from chase the foreclosure could n't being accomplish until this date.It seems to my humble understanding in the real estate business that something is going on that hinders the bank to complete the transaction, good for me by the way.I have tried many times to come to a solution to bring my mortgage to a good stand, but the bank is not cooperating at all, so i being batling against the system on my own and thankfully has being working so far, but I am affraid the time is running out.I need to have a selling document from HUD so I can take them to court ( XXXX XXXX, Chase, XXXX, XXXX and possibly HUD ) to prove something is not right with the time of selling, etc HUD is not cooperating with me and they just give me their website to search for a topic related under the XXXX to fill up a form and send it so I can get the information I need.I have tried with their website, i can not find anything related to what I need.In the mean time I have XXXX banks fighting for my place and none of them have the right documentation.Please I have the premonition something is just not right and I need at least this document from HUD to at least find out who legally owns the property and when it was sold and by whom.My house is not on any real estate listing and is being in this situation for XXXX years, ( I am behind payments since XX/XX/XXXX ) .I paid XXXX of those companies that promise to stop or mediate to avoid foreclosure, but I got robed and lost {$2500.00} Thank you kindly for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Chase Bank is engaging in fraud and negligence. They are refusing to open an investigation in a check fraud matter. After several months of complaints with them, they claim the check was cashed at XXXX Bank and is now telling me to call all XXXX Banks in search of who cashed my check. I contacted XXXX Bank headquarters and they said, they will NOT give me any information concerning the check until Chase Bank opens a fraud investigation. Chase Bank refuses to open a fraud investigation because they know it will prove that the check was cashed by an unauthorized party. XXXX Bank is willing to cooperate, but Chase Bank is unwilling to do the same. Chase Bank is angry with me for pulling the bulk of my money out of their bank. I did so because they are completely negligent. Chase Bank is engaging in retaliation and is breaching their fiduciary duty. Chase Bank habitually fails to protect clients, Even if I wanted to sue the party who cashed the check, I ca n't because without the investigation, I ca n't confirm who the party is. Chase should be forced by the banking industry to open an investigation. Chase is engaging and encouraging fraud, because they are aware that the person who cashed the check ca n't be verified. This is a banking industry issue because Chase Bank is engaging in numerous violations of banking laws. Chase has refused several times to respond to my complaints, and are probably NOT READING THE COMPLAINTS. This is not about a XXXX dollar banking refusing to refund a couple of XXXX dollars. This is about Chase Bank bullying their customers without repercussions. They should be sanctioned for failing to cooperate, and acting in concert with fraudulent activities. I want a full refund from Chase Bank because the culpability is on them for refusing to cooperate and open an investigation with XXXX Bank ( or the correct bank ) who is also involved in this matter.

Company response to consumer: Closed
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX 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 2022-05-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
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 trade credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States that 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 written instructions.

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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: EQUIFAX, 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:
I have contacted Equifax Credit Agency for over 2 years with same problem I have provided documents to Equifax. They have my died father information on my credit report like his 4 credit cards and also his name listed on my credit report I have told them to remove his name off my credit report plus they have several address that are wrong on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: U.S. BANCORP
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
US BANK LOAN COMPLAINT I was approved for a small personal load of {$5500.00} and have about {$35000.00} in cd and a credit card at their bank. The problem I am having with them is in order to receive the loan I need I had to provide a 6 digit code ( see photo ) sent to my cell phone to get it. The code had never appeared in my text messages and it is also slander claiming that it is not me and have to prove it. I spent 2 hours on the phone with this banks locations and no one will fix the problem since they will only accept the code. My phone works perfect as it was tested. I will not get my loan now because of this stupid code and no other way to verify it even being I provided many people with their requested information. Not getting this loan is going to cost me a great deal on money.

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 2023-01-16
Company: ALLY FINANCIAL INC.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ACCORDING TO MY CREDIT REPORTS, I HAVE A CHARGE OFF ACCOUNT REPORTING. CHARGE OFFS ARE CONSIDERED CANCELED DEBT. 
AUTO DEALERS HAVE ALREADY FILED THIS DEBT ON THEIR TAXES WHICH REFLECTS WHY ITS ON MY CREDIT REPORT. BY LAW CHARGE OFFS ARE CONSIDERED ORDINARY INCOME. I DEMAND THAT THESE ITEMS BE REMOVED FROM MY CREDIT REPORT AND DELETED BECAUSE THIS IS A VIOLATION OF 15 USC 1681EB

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 2022-02-07
Company: NQM Funding, LLC
State: MO
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 received a call on XX/XX/XXXX. It was from someone who helps veterans stay up to date on changes in benefits. In this case, a man asked me if I was aware of some new legislation regarding VA loans, and he asked if I was interested in learning more about refinancing. I've already refinanced recently but I thought I'd humor them anyhow since information wouldn't hurt. He directed me to XXXX XXXX ( XXXX XXXX, CA ), where I believe I talked with XXXX XXXX ( XXXX ) -- I think I was redirected through the call I was with him on ; XXXX XXXX XXXX number is XXXX. She collected information from me. I also talked to a man on XX/XX/XXXX ; I believe he was " XXXX '' ( XXXX ) a manager according to XXXX -- though the number the call came from was XXXX. At no point in either conversation did I explicitly consent to a hard inquiry. I wasn't under the impression that they were going to do that. Yet, on XX/XX/XXXX, I checked my credit report and found an inquiry dated XX/XX/XXXX from " NP INC '', an entirely unfamiliar entity. I talked to XXXX again a few times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). She was helpful and eventually directed me to XXXX for assistance. I called him twice that week ( XX/XX/XXXX and XX/XX/XXXX ) and left a message. He never returned it. I tried contacting the bureaus and filing disputes, but it didn't work. The inquiry is still there, and I still want it gone. Furthermore, they also did a hard inquiry on my wife 's credit report. She wants that removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: CT
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX XXXX  ), XXXX ( Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX AT T ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5900.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$240.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-01-16
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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:
DO NOT CLOSE THIS COMPLAINT, I AM MAKING THIS COMPLAINT MYSELF XXXX XXXX IS MAKING THIS COMPLAINT NBOT A THIRD PARTY. 
So I have tried to work with the credit bureaus time and time again to get them to remove identity theft from my credit reports. they never do what they are supposed to. I am gon na end up hiring a lawyer to pursue this if you guys dont do what you are supposed to and remove the identity theft from my credit.

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 2022-02-06
Company: Experian Information Solutions Inc.
State: NY
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 contacted Experian on XX/XX/2021 about 4 fraudulent bankruptcies that are showing on my credit report. Attached are the letters I send them with the certified mail receipts. I did my research about these fake bankruptcies and I found that there is a wait time between bankruptcy filings which means there is no way that these bankruptcies are mine. These serious errors are preventing me to get necessary financing. 

Chapter to Chapter Options Wait Time Between Bankruptcy Filings Chapter XXXX to another Chapter XXXX bankruptcy 8 years Chapter XXXX now filing for Chapter XXXX bankruptcy 4 years Chapter XXXX now filing for Chapter XXXX bankruptcy 6 years ( or payment in full on Chapter XXXX repayment plan ) Chapter XXXX to another Chapter XXXX bankruptcy 2 years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: ID Analytics, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I co-signed for a used car auto loan at XXXX XXXX XXXX XXXX  XXXX in XXXX XXXX, OH. The dealer said XXXX XXXX agreed to be the lender and the payments would be {$170.00} beginning XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX to XXXX  the application number is XXXX. They stated we were informed by XXXX XXXX XXXX XXXX XXXX that it was considering the credit sale or lease of a XXXX XXXX XXXX to you and asked whether we would be prepared to accept your obligation if the transaction was completed. 

They went on to say, you ( XXXX XXXX ) was the co-applicant and XXXX XXXX was the applicant. We must regretfully inform you that we were not agreeable to handling the proposed transaction Since the letter was addressed to me they were referring they based it their decision whole or in part from the credit reporting agency one being XXXX. I pulled my credit report from XXXX   and below is just some of the very positive credit information. 

Credit score - XXXX - Excellent lines of credit - 6 Credit Utilization - 3 % Credit file has enough history on your use of bank card/credit cards The balances on your account are not too high compared to loan limits You have a few or no accounts that were opened recently The date you opened your oldest account is not too recent. 

However they claimed they obtained my credit score from XXXX  and used it in making their decision. How can this be possible? Could this be a possible case of discrimination again a senior citizen? A female? Or are the employees just plain XXXX  at XXXX  and dont know how to read a credit report? 

Then I went to XXXX  to obtain the information that have for me. It seems they want to charge me for seeing my information. That seems unfair and perhaps illegal. 

Ally referenced Sagestream is owned by XXXX so to drum up more business Sagestream XXXX borrowers into paying for XXXX XXXX. Sage claims total account balances ( I have 1 ), limited history for my phone ( Ive had the same number for approximately 20 hrs, ), number of inquiries ( there have been only 2 ), length of residence too short ( I have owned this home for 10 years ). I believe Sage is scamming to get business for XXXX and plan to file a formal complaint against them as well. 

Additionally, I have been customer with XXXX for over a year buying Certificates of Deposit and having a current savings account with a current balance of {$30000.00} which is 5 times the amount of the loan amount. 

Please investigate this matter. 

Respectfully, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Scratch Services, Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had set up payroll allotments ( automatic payments out of paycheck ) which was required by XXXX XXXX to pay the loan. The payments were not applied to the loan in timely matter due to the loan servicer Scratch. There was issue on behalf of the loan servicer applying the payments to the account. There are late payments on my credit report, that I requested be removed. I have still not received the {$95.00} overpayment after my loan was paid off.. The account is paid in full ( see attached letter ) but is still showing a balance on my credit reports.

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 2023-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After filing complaint # XXXX, XXXX XXXX, and Capital One, # XXXX, on XX/XX/2023, I received numerous calls from persons claiming to represent Capital One. Capital One 's representatives are as follows : XXXX, or XXXX, per my voice mail she uses both, add " CC, '' and XXXX XXXX 

Beginning XXXX, these persons, at XXXX, are claiming to be " executives '' when they call -Capital One Executives. They harassed me on the phone. 

I return their calls, and they play ignorant about why they are calling, and instead want me to furnish information about 'their ' call. 

The calls are harassing, made early in the morning. This appears to be Capital One 's response to my complaint against XXXX, and them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
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:
In accordance to the Fair Credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX & XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, has violated my rights XXXX 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
After reviewing my credit reports I noticed that you are alleging that the following accounts are Charge Off without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove this negative and adverse remarks. 

XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXXXXXX XXXX  XXXX Balance : {$8900.00} XXXXXXXX XXXX  XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$7700.00}

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 2023-10-25
Company: ID Analytics, Inc.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX im requesting to have all negative items removed due to fraud activity. i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-05
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Per XXXX Connection policy, a certified document was mailed by XXXX to terminate the contract. The health club did not terminate contract and proceeded to continue charges and amount was submitted to First Credit Services collection agency. I have copies of the certified document as well as the tracking label of the certified document.

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