BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-07
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I'm a XXXX individual that has a property I own that I have a FHA loan for. I signed my contract for my loan with one lender and now I'm dealing with Mr Cooper who is not listed as the lender in my contract. 
Mr Cooper employees have refused to allow me to make payments, I also have my payments set up for auto pay on the XXXX of each month and Mr Cooper has never took my payment. 
Mr Cooper employees have also used my Disabilities to treat me less favorable and interfere with my contractual relations and purposes of my federal FHA loan and allowed it's employees to interfere with me making payments. 
I'm concerned for my family and infant son and where how Mr Cooper has already treated us, we are in fear they may attempt to interfere with my loan contract and property. 
As a XXXX person I understand it's a federal felony to deceive and exploit me in matters involving my finances and property, and given Mr Cooper 's ongoing conduct and the abuse and discrimination I've incurred I'm concerned for our safety and welfare. 
Mr Cooper employees have shown in recordings they believe Disabilities, the law and someone's rights are merely feelings and believe their policies allow them to abuse and mistreat vulnerable disabled individuals

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have attempted multiple times through the month of XX/XX/2022 to pay a debt owed by contacting both the creditor and their 3rd party collector, midland credit, to arrange payment. I had set up an agreement with XXXX XXXXXXXX XXXX a year ago to consolidate debt, and after consulting an attorney I dissolved that agreement and cancelled any and all power of attorney on my behalf. I have alerted Midland of this on multiple occasions and attempted to pay the debt. Midland refuses to speak to me. I have audio recordings of these conversations verifying I am no longer represented by an attorney, and that I am calling to pay a debt. They consistently insist they have to receive verification directly from XXXXXXXX XXXX XXXX  that they no longer represent me. I have told them they can not legally speak on my behalf, and this is my account. They still refuse to speak to me. I can not discharge the debt, and its still reported to my credit by both Midland Credit Management and the creditor, with literally no recourse to pay or have it removed. This is an unfair reporting practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I attempted to purchase a XXXX XXXX through XXXX. The knife in question was a XXXX XXXX XXXX and was being sold for {$200.00}. I sought to purchase it and sent the funds via XXXX as requested by the seller. The seller then blocked me. I contacted my financial institution about the fraud and they told me that I would have to go through XXXX. I contacted XXXX and they told me that I would have to go through my financial institution. For a timeline : Initially contacted the seller on XX/XX/2021. Sent funds XX/XX/2021. Showed accepted XX/XX/2021. Blocked by seller XX/XX/2021. Contacted financial institution for fraud on XX/XX/2021. Contacted XXXX on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancy : XXXX XXXXXXXX XXXX  / {$160.00} / 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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 company has been misrepresenting me and advertising false information on my Consumer Report. I came to know about these alleged transactions on XX/XX/XXXX. Due to these inaccuracies, my right to extend credit has been damaged to a great extent this has adversely caused injury to my family and my livelihood. I have been abused discriminated against embarrassed and refused several transactions. I have put this company on notice and gave them a chance to correct my consumer report. I need them to protect my right to privacy and uphold their grave responsibility concerning the respect for my consent. I did not give this company consent to advertise my non public information I demand these inquiries be deleted immediately ; XXXX XXXX XXXX XXXX and ( AND duplicates ) DATE XX/XX/XXXX XXXX. XXXX XXXX DATE XX/XX/XXXX XXXX. XXXX XXXX ( AND duplicates ) DATE XX/XX/XXXX XXXXXXXX XXXX DATE XX/XX/XXXX XXXX. XXXX XXXX DATE XX/XX/XXXX XXXX. XXXXXXXX XXXX  ( AND duplicates ) DATE XX/XX/XXXX XXXX. XXXXXXXX XXXX DATE XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE XX/XX/XXXX XXXX. XXXXXXXX XXXX DATE XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE XX/XX/XXXX XXXXXXXX XXXX  DATE XX/XX/XXXX XXXX. XXXX DATE XX/XX/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 2021-06-24
Company: Experian Information Solutions Inc.
State: FL
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:
Im a repeated victim of identity theft. Ive filed a report with the XXXX XXXX XXXX Police Department. Case # XXXX! Someone has also filed unemployment in my name. 
The following accounts are fraudulent 1XXXXXXXX XXXX XXXX XXXX {$1600.00} 2. XXXX {$580.00} 3. XXXX XXXX ( XXXX ) {$380.00} 4. XXXX XXXX XXXX {$590.00} Ive never done business with these company or entered into a signed contract with these companies. All list accounts are fraudulent!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-03-10
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:
Hello, My name is XXXX XXXX and I recently got a denial letter from a Property Management company I applied with. After obtaining a copy of my credit report, I discovered some major issues that need to be addressed. 

I found one account and several inquiries that I'm not familiar with. 

I need EXPERIAN to fix this inaccurate and unverified information immediately. I have been denied numerous credit based oppurtunities due to this erroneous information. Two property management companies have declined my application for a place to reside. Please don't leave it this way, I need your help! I have explained to EXPERIAN numerous times this account is definitely NOT mine. The above account should not be reporting on my credit profile. 

This is a FCRA Violation and this account needs to be deleted immediately. I will be forced to seek Legal counsel if this matter is not resolved promptly. I thank you for your time.

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 2018-05-10
Company: Credit Bureau of Carbon County
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a debt of XXXX. I paid the hospital directly ( late ) on XX/XX/XXXX. On XX/XX/XXXX my garnishment started. To date I have paid in a total of XXXX. I received a refund check for XXXX for over payment. I called and talked to a customer service rep and a supervisor. They are telling me charges have been added on since the garnishment took place. I didn't realize they could keep adding on to the bill. I would love to find out who to request an audit of this company. I have looked up reviews and they are not good.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX and the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX are both a result of Identity Theft. XXXX had a data breach, and someone with access to my personal information is using it to make transactions that are damaging my credit. I have no idea what or who this may be. I have attached proof of a data breachfromXXXX.

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 2023-09-11
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX Citi Bank closed my account without any explanation and i had a balance of {$710.00} in the account. Citi claimed that they mailed me a check of the remaining balance to my adddtess on XXXX. I called back after 14 business days as I never received the check. On 4 different occasions, a representive told me that they emailed the department who issues the check and as of XX/XX/11, no new notes have been added. Citi has not been transparent throughout this process and no one on their security or speciality team has been able to assist me over the phone. The department who issued the check can not b reached by phone so i am not getting any feedback on whats happening with my funds. This has been extremely frustrating as my account has been closed for 2 months and still havent gotten my funds.

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 2023-10-15
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a copy of my credit report and I am writing to dispute the following information that appears on my XXXX report, XXXX and XXXX. 
The following inquiries are not accurate. XXXX XXXX, they reported the charge off on XX/XX/2023 but I already paid and verified the payment via Guardian Capital Management Hawaii on XX/XX/2023. Please see attached and receipt for verification. 
According to the Fair Credit Reporting Act, I demand that these item be investigated and removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: NY
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. 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 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages 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 non-monetary relief
Consumer complaint received 2023-05-08
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/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 2022-11-02
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
They add fees ( late fees, over limit, nsf ) to the minimum payment instead of you balance increasing you minimum payment. This cause payments to be missed and negative credit reporting when you can't afford to pay the very high minimum payment. This in my situation has caused me to close these cards and pay balance to payoff card..but they are still charging fees and interest when the accounts are closed. These cards are predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 sent you a debt validation letter more than 30 days ago asking for the credit bureaus to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}. 

I disputed the accounts information as being inaccurate, and these agencies responded by stating they were able to verify this debt. But how is that possible? I have contacted the creditors myself, and they only sent portions of the information requested- this is against 15 U.S Code 1692b ( 5 ) for sending insufficient validation documents showing only symbols and stuff. Also Under 15 U.S Code Section 1681n Civil Liability for willful noncompliance and 15 U.S Code 1681o Civil liability for negligent noncompliance The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove these accounts

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 2022-11-21
Company: Experian Information Solutions Inc.
State: NY
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 unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2023-05-16
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Today XX/XX/23 I found out by trying to use my card and not receiving a letter or anything about my account being restricted for no reason. I am a widow and mother of XXXX my husband was all XXXX of my children father and their ssi was going to my chase account now because of chase my kids and i are on the verge of being homeless. I am trying not to get a lawyer and file arbitration or small claims i need my money this week because i can not be on the street with XXXX kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions 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've been trying to get these fraudulent inquiries removed from my credit report for a while now. I told them that i didnt authorize any transactions from these businesses. One of those inquiries is for a gas station... i would never apply forb a gas card because my credit bureau already gives me 3 % cash back plus a whole lot more than some gas card! I also tried to explain to experian that i dont have an account with first XXXX XXXX XXXX but they said they wont fix it because im an authorized user? But they are playing games with me because everyone knows that authorized are not to have their files pulled because ita a breach of private. Im not sure why they are being difficult but I'd appreciate it if you can help me get them removed because i dont want them on my credit report.. then i can move on. Thanks you *** i just remembered that I also have a late payment on my credit report by XXXX XXXX XXXX i just forgot about it after a while because they kept playing games. I paid the account on time... it was just on a holiday ( XX/XX/XXXX ) and i was informed that no late payment would be given. Years later, when i got serious about my credit, i saw the late payment but i already had paid the loan off. SEVERAL times, I've informed the credit bureaus that I was never late but they keep saying that the account was verified? How does that even make sense when im the one who had the car and i know i was never late? Moreover, they cant even get their lies straight! Experian says i was late on 1 month but then XXXX says another? Please help me with this situation as well so i can finally relax. Thank you

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