BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. 
Account Information : XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26
Company: Mandarich Law Group, LLP
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This is a case of a debt collector sending a written communication that looks like or is falsely represented to be an official document from a court which is against Federal law. Mandarich Law Group " served '' unfiled pleadings on me, a Complaint and Summons. The Summons read that I had to file a response to the Summons within 20 days or a default judgment could be made against me. Neither the Complaint nor the Summons had Case Numbers and they were not conformed copies from the Court Clerk. The unfiled Summons made it appear that I had to take immediate action and when I attempted to do so, found that it was unnecessary and a waste of time because there was no case filed against me. This is clearly a tactic to make a person feel intimidated and scared about legal action when none has been taken. According to Federal law : It is illegal for a debt collector to send a written communication that looks like or is falsely represented to be an official document from a court. That is exactly what Mandarich Law Group did to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Specialized Loan Servicing Holdings LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold my home in XX/XX/2019 and the mortgage was paid off. I have yet to receive a refund for the additional amount in escrow. I have made phone calls, spoken to several managers, sent emails to the servicing company executives ( XXXX XXXX and others ). Initially, I was advised I needed to wait for 30-days to see if I receive the check. After the 30-day mark I called again and was told a stop-payment would be placed on the check and check reissued I should receive it 5-7 business days. I waited and no check after about 10-days I called again and the associate apologized and said they would escalate and expedite the replacement check I would receive it in 5-days. After a week I call back and they tell me no expedited check was issued but the replacement check was requested and it could take up to 30-days to have it reissued. I call back a week later to see if they could provide me with the details of the check that was sent so I could verify the check was en route. I was told they would request and have the escalation department. I explained I was a XXXX  and it needed to be after XXXX EST. Of course they ignore that request and call me in the middle of the day so I am unable to speak to them. I call back again that afternoon speak to a supervisor he tells me would have escalation note the account. This goes round and round week after week until a few weeks ago when I am told the check can't be sent because the original check was cashed. I asked by who and when and of course they don't have that information so it would need to be researched. I explain in my opinion I am not aware of any check being cashed and it may have been cashed fraudulanty but I have yet to recieve my escrow payment. This is long but just a summary of the cireles SLS has been putting me through over the last 4-months. I would like to request the help of the CFPB because every time I call I get a different story and a different excuse on why my escrow check hasn't been sent.

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 2023-05-04
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports.Late Open : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00}

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 explanation
Consumer complaint received 2019-12-15
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On each of the weeks of XX/XX/2019, I inquired about an outstanding debt with XXXX XXXX. The debt was referred to Midland Credit of XXXX, IN, who had the debt for an unknown amount of time, after which, it was sold to XXXX XXXX XXXX of XXXX, KY. On every communication attempt, I have asked to please verify an outstanding debt that, according to Midland Credit , it is the amount of ~XXXX USD. The only response is that my account is on hold. 

I have an urgent business matter on hold that requires my obtaining information enough to include the outstanding amount within a real estate deal which calls for paying off the debt at closing. My home is currently securing the XXXX XXXX debt. In order to lift the lean, I need to provide the closing professionals with the address and amount of payoff. 

Please compel XXXX XXXX XXXX to respond with this information as time is of the essence. 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: JPMORGAN CHASE & CO.
State: TX
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 filed a disbutes with Chase CC for partial of the charge ( {$67.00} ) again a fair difference from XXXX XXXX ( XXXX  ) which Chase granted me. Then XXXX  denied my boarding at the airport without any notifications to us. So I went home file with Chase again, Chase customer Rep told me to submit a written notice in order for them to file the disbute again. I consequently submitted it ... Then I thought eveything would be taken care or at least I will hear something from Chase. This was all happened in XXXX or XX/XX/2019. 

Then I checked my Credit card statemnet, I relized Chase didn't file this 2nd disbute for me. I called Chase and the customer Rep told me that the filing period was expired and they can not file for me. 

My dispute is my original request was in XXXX or XX/XX/2019, at that time the filing window was still valid. but they didn't do anything nor inform me properly. 

my case number is Case # : XXXX. 

My total disbute is {$2500.00} Thanks for the helping

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Midland mortgage is attempted to file unexplained additional charges to my account. 

they also are not providing reasonable accommodations for a person with ADA and are violating that. 

as of XX/XX/2023 they filed that my account was passed due without notifying me through the mail service as required by law or making an attempt to call me if there was a payment that was not processed correctly. 

they also have not been correctly processing payment information online.

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 2023-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I am here by putting you in notice of the obvious violations Bank of America has done to my person : I am giving you chance to cure before I sue you and report you to the IRS with form 3949 A for unreported income. 

18 U.S.C 1028 No consent to share my information at all 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX has sent me a letter on your behalf regarding the continuous reporting on a charged off. Meaning that it was written off. Why are you reporting a balance? 

A charge off account meaning that I should received 1099 C and you never provided that to me. I am giving you 5 business days to take care of my requests or I will sue you in federal court for for the above referenced violations along with : 15 USC 1681 ( a ) 2 12 cfr 226.11 15 USC 1681 ( B ) permissible purposes Total of XXXX in violations. 

I willing to see past the violations and demanding that you report as paid off and XXXX balance along with the late payments or have that account removed immediately. 

Those are your only options before you force your sue.

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 2021-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
1. I advertise for one of the extra room for rent in my House in a classified ( XXXX XXXX ). 

2. Some one reached to me via email. He introduced me and attached his driving license for reference. Also he said he is from my home XXXX  XXXX and XXXX  XXXX, In US he is working in some artificial intelligence company. He seems like legit to me initially.

3. He told he is now in XXXX due to work, need to move to XXXX XXXX because company is asking him for relocate, So now he is looking for rooms in XXXX XXXX. He also said his company is giving the money in the form of check for relocation around {$4600.00}. 

4. He asked me a favor, As the company is issuing only one check he wants that check to be in my name and i will keep the first month rent and security deposit which is {$2000.00} ( we agreed up on it ) and return {$2600.00} to his Travel agent. 

5. I told him i will not do that. why don't he do all this because it's his money. He said he is closing his bank account ( In XXXX XXXX XXXX ). Since this bank is not anywhere else so even if he deposit the check it will be more trouble to access this money. 

6. I could not see any red flags till then because this never happened with me. i trusted him. I thought i am helping someone and thought anyhow he is going to live in same house and agreed to help him. 

7. I received the check and deposited in my Bank Of America account on XXXX XX/XX/2021. The check get cleared next day on XXXX XX/XX/2021. So he asked to transfer {$2500.00} to his Travel agent ( XXXX XXXX XXXX through XXXX ( In Bank Of America App ) on XXXX XXXX XXXX i did it. In the mean time he said he will reach here in coming week-end and asked me to make sure room is clean & available. Also he asked me to close the classified as he is booked for the room. I didn't see any red flag till then.

8..The Deposited check is bounced the next night XXXX XX/XX/2021. That's when i realized it could be fraud and reached out to Bank. So after investigating for a month Bank said they can't issue any claim.

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 2023-03-25
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: Their investigation did not fix an error on your report

Complaint:
Fraud on my account need account removed

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 2023-06-14
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: Reporting company used your report improperly

Complaint:
My name is XXXX 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 2021-08-26
Company: JPMORGAN CHASE & CO.
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
I received a scam call voicemail at XXXX on Thursday, XX/XX/2021 telling me that hundreds of dollars had been charged to my XXXX XXXX Account. I called XXXX back at XXXX and told him that I knew this was a scam and he needed to take my phone number off of his list. I went to the Amazon website and it said to notify you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a single mother.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: EQUIFAX, INC.
State: AR
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 an old account with XXXX XXXX XXXX/XXXX in the amount of XXXX that was opened in 2009. All of my loans were consolidated with a government program and XXXX is now over my payments. But this company is reporting 180 days past due even though it has been closed. Its also more than 7 yrs old. I have disputed this with equifax numetous times and they have failed to remove this old account. They dont even investigate it. This is harming my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been a member of USAA for over 40 years and they have always put a hold on my checks for a couple of days regardless of value before the funds are available. My son, who has never made a deposit before was scammed with XXXX fraudulent checks deposited totaling {$9900.00} and USAA makes these funds available immediately. He then withdrawals over {$4000.00} from the deposit and gives it to the scammer. Now he is responsible for the lost funds. Additionally, USAA locked XXXX 's and my wife  's checking accounts since they were linked. 

My complaint is that USAA should have held the funds for a few days before the funds became available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
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 fraud alerts or security freezes

Complaint:
On XXXX XXXX, 2023 I contacted Experian to remove a fraud alert and remove any dispute remarks on my report and instead of removing the alert they extended the alert. I then submitted a request via their upload portal to remove the fraud alert and all dispute remarks on my report which included my identity verification documents. The fraud alert is still in my report as well as the dispute remarks

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