BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: SC
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:
A XXXX XXXX bankruptcy was filed and completed. The problem is that the information in the XXXX  XXXX bankruptcy that was supposed to be deleted from the file is still showing as being late when it was supposed to be removed. I need this information removed immediately so that I can start to rebuild my credit. This inaccurate information is causing me more than a 100 point increase.

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 2018-02-17
Company: Credit Service Company, INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent certified letters to XXXX, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX disputing the collection account ( which is reporting as a medical account ) from Credit Service Company in the amount of { XX/XX/XXXX in the amount of {$430.00}, XX/XX/XXXX in the amount of {$440.00}, XX/XX/XXXX in the amount of {$440.00}, and XX/XX/XXXX in the amount of {$440.00} } as you notice the balance increase monthly. XXXX and XXXX   deleted the collection account from my credit report ; however, on all occasions, XXXX stated the information was verified and accurate ; however, XXXX  nor Credit Service Company Inc. has never sent any documentation to support their response as I requested, only that the debt was verified ; however, I requested the debt to be validated. Under the Fair Debt Collections Practices Act ( FDCPA ), proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 )  BREACH OF SECURITY. Penalties against Credit Service Company Inc. is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Credit Service Company Inc. has never provided supporting copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. The creditor ( Credit Service Company Inc. ) refuses to provide all documentation requested. In addition the validity and the validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt and Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State, in which Credit Service Company Inc. clearly has not. Please have account deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was offered and excepted covid forebearence relief. After 18 months i called to ask what's the next step towards repayment. I was offered to repay all at once, add additional amount to my current monthly mortgage payment or the amount owed would have to be paid in a balloon payment once my current mortgage was completed. I choose option # 3 balloon payment. 
Then they say they sent me a letter 2 weeks later saying i did not qualify for the 3 option they offered me and i accepted because i did not qualify for the deferment. I never received this letter, nor was i called and/or left a messege about such letter, nor was an email sent to my personal account ot email to my Chase app account on my phone that i use daily. So the word forbearence is the only word i have been told about since this process began and now AFTER 18 months i do not qualify for the new word im now being told DEFERMENT. Its a bait n switch type of feeling.

If i qualify for forebearance ( There's a financial reason ), so telling me 18 month later i do not qualify and pay 18 months of back payments, without telling me anytime in the 18 months period i do have to pay 18 payments in 1 payment, knowing covid killed my employment is wrong. 
Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: JPMORGAN CHASE & CO.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase Credit Card services closed all my credit cards ( total 8 ) on XX/XX/XXXX without any notice. 
When I contacted Chase, they opened a review of this closure but I got a call on XX/XX/XXXX that they standby that decision and they will NOT reinstate none of the credit cards. Reason they gave was : 1. Many opened credit cards 2. Spike in large revolving balance I tried to argue my case that I applied for not more than 5 credit card in last 2 years or so and only recently applied for Chase XXXX credit cards. I am keeping cards ( and paying annual fees ) to increase my average age of accounts. 
I regularly pay my balances on time and has not delayed card card payment even once in entire credit history. 

While I understand that its Chase prerogative to extend credit line to me but I do think that this closure is unfairly done as I have not exhibited any behavior which deserves such an action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: TN
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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2020-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX I was home sick and I noticed that my employer did not pay me and I couldn't pay my car payment on time, so I called Capital One and explained my situation and I asked for a deferred payment and it was approved I signed and emailed the documents back and now Capital One has been over adding additional fees that I do not owe them as I have always been paying my car payments to them every month and only had one deferment ; they are also reporting false information to credit reporting agencies when my account with them should be marked current. I have submitted to them several times proof of the signed deferment which they already had record of in their system and they are still fraudulantently charging fees to my loan. Also, please note that I have been continuing to make all my car payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
i was scammed a few months ago. i was contacted by someone who also fell victim to the same group saying they were in contact with a private investigator claiming they could get my money back. he had accessed my personal and bank information and bought XXXX worth of crypto without my knowledge. i had disputed it with both coinbase and my bank but coinbase still claims i owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX, Equifax XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately.The XXXX account just sent me a letter stating they would remove these accounts its been 30 days and they are still here. The medical said it wasn't there debt so I want it gone too. I attached both letter as proof. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. {$180.00} 2.Cell Phone Bill XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00} {$340.00} XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} {$480.00} Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit 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 ordered a product from XXXX XXXX but after reading the " FINE PRINT '', I saw after the order was processed that it was a " recurring subscription '' that I did not intend to order, I thought I ordered a " XXXX time purchase ''. So, alter speaking with XXXX representatives on the phone, and not understanding their speech ( they can't speak XXXX XXXX too well ), nothing was resolved and after looking at the account online this morning XX/XX/2023 the charges are still pending and have not been reversed as the emails I have received states I would get a refund of {$190.00} and {$59.00} since the orders were cancelled. ( see attachments ) I received a letter stating to call representative but I have already spoken to XXXX or XXXX reps to no avail. Americans have the right to cancel orders before the order has been processed, and I cancelled the order with XXXX hours on the weekend ( Sunday ) .I have provided copies of the pending charges ( XXXX ) in total and I Only ordered the product " ONCE '', not XXXX or XXXX... XXXX have provided attachments in here to prove my case.I want my XXXX XXXX XXXX credit card XXXX XXXX XXXX Synchrony Bank ), the amount in dispute /question ....

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 monetary relief
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On ( XX/XX/XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I sent a letter request company to provide information for the attempted collection on my credit reports, in regards to the letter they sent me saying I owe LVNV Funding Solutions LLC & RESURGENT CAPITAL SERVICES, 2 collection Companies displayed on all 3 of my credit reports for the SAME accounts. The entities ignored my request and placed collections on my credit reports without validation. 
These entities did not provide information as required. I.e by disputing this debt and exercising my rights under

UCC 1-308. Under UCC 1-308, I reserve my right to not be compelled to perform under any contract or agreement that I did not knowingly, voluntarily, and intentionally enter into. I also reserve my right to assert any and all affirmative defenses and counterclaims that may be available to me under applicable law. Company placed different information on all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted the Court and their response is that they DO NOTprovide any information to credit reporting agencies. 
If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The Bankruptcy Courts have providedme letters that emphatically stated that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 
It is CLEAR that theBankruptcy Courts DO NOT report to any Credit Bureau, therefore the intital response Verifying the item with the Court was either an ERROR or a LIE. 

Either way, the reporting requirements DO NOT COMPLY withFCRA 611 ( 15 U.S.C. 1681I ) and the information MUST BE DELETED IMMEDIATELY. 
The Bankruptcy Courts have confirmed in the attached letters of their proceedures that they DO NOT report to the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

I have already sent a method to Verification to the Credit Bureaus asking them to Verify the debt and they have already stated the the item was Verified. 

Verify Account XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately. 


Name of Account - XXXX  Account Number - XXXX The Account also has multiple inconsistencies ( INCONSISTENT REF NUMBER AND NO CLOSING DATE ) ( COURT JURISDICTION DISCREPANCY )

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 2023-09-04
Company: Experian Information Solutions Inc.
State: NV
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 did get a loan from XXXX XXXX in XX/XX/XXXX of XXXX. That hard inquiry is valid, however the other two from XX/XX/XXXX and XX/XX/XXXX of XXXX are not. 
I did get a loan from XXXX on XX/XX/XXXX of XXXX and did pay it off, but the hard inquiry from XX/XX/XXXX is not one I made. 
XXXX XXXX hard inquiry is not XXXX I made. 
The XXXX hard inquires on XX/XX/XXXX and XX/XX/XXXX are not ones I made. 
The XXXX XXXX XXXX XXXX hard inquiry from XXXX XXXX is not one I made. 
The XXXX XXXX XXXX XXXX from XX/XX/XXXX hard inquiry is not one I made. 
The XXXX XXXX from XX/XX/XXXX is not one I made.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.

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 2023-04-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They incorrectly applied 2 payments to curtailment instead of the current payment that was due that was also noted on the check. This resulted in the bank saying we had a later payment even though we sent in the exact number of payments that were due. 

I have called the bank several times, sent a letter and went to the bank branch to request that payments get applied correctly .Over the phone we were told it was fixed only to get a letter the next month saying it was not and in person we were told that they could not change the payments that were applied wrong and the only way to fix this was to send in the missing payment so it did not go to collections. They keep assessing late fees and sending in negative credit reporting even though we have informed them off the issues. I finally was able to get enough money to send the extra payment but would like to have it refunded along with the late fees and have our loan interest/outstanding balance recalculated after the payments are corrected so we don't have to pay anything extra for the mistake they made and refuse to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: PLS GROUP, INC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I been receiving letters & mail to my job for this loan that was send to collection since XX/XX/2020 i believe there's nothing much to say since it was send to my credit report without being & when i apply for this loan i was also told it wouldn't expired until XX/XX/2020 & it was send to collection before the due day? i was told to make 2 payments an month of {$59.00}, the information i was told was not current, after sending it to collection i still receive mail & calls from this loan company PLS trying to do take payments from my paystubs.

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