BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-31
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:
Last year in XXXX of XXXX I disputed an account with Experian that was reporting a late/missed payment on my credit report. The company reporting this is XXXX. I also called XXXX and spoke to them. They apologized and said they would fix it. The issue is that in XXXX I filed bankruptcy and XXXX was one of my creditors. The Fair Credit Reporting Act says that creditors cant report negative information after bankruptcy such as missed or late payments but they have been ever since I filed. XXXX just reported this late/missed payment in XXXX or XXXX of XXXX. 5 years after my bankruptcy was discharged. This is against the law. So when I called XXXX they said they would fix it and they did. The next month my score jumped up XXXX points and the late/missed payment was gone. But then the following month it was back and my score dropped again. I called them again and disputed it with Experian. But they came back and said it was correct and didnt fix it. I called Experian and they claim that its correct. I explained the law to them but yet they argued with me and said just because I file bankruptcy doesnt mean XXXX cant report this. Since then, Ive disputed this numerous times. Now Experian wont allow me to dispute it any longer and its still reporting negatively on my credit report. This is against the law. The FCRA plainly says they cant do this. How does a credit bureau not know this ... please help.

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 2023-09-18
Company: Armada Corp.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Armada Corp of Nevada is attempting to collection on a 3 years old debt. This debt ( {$770.00} ) has been paid, in full, to the Creditor ( XXXX XXXX XXXX ). Armada filed suit for the debt ( plus court costs and fees ). Armada needs to retract their Small Claims Complaint with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been paying Nationstar/Mr. Cooper since XX/XX/XXXX. I originally had XXXX XXXX. First at closing XXXX XXXX was lender. When first payment due they switched over to Mr Cooper. I went through bankruptcy got approval to keep loan. Mr Cooper sent me a letter in XXXX saying XXXX XXXX was the new lender as of XX/XX/XXXX. I kept calling XXXX XXXX they couldn't find me in system for weeks. I had to escalate call i said do you show my account as bankruptcy? They said no. They had wrong zip code on file on day one some XXXX. They had no one assigned to me. Kept saying wait 30 days possibly. Supervisor hung up on me. Called back said what is going on i have no documentation from you. They said my lawyer should call them. Lawyer called he said they didn't have me in system. They are just as that week I spoke to attorney now sending me a letter. I said did you go through the process of bankruptcy court to change the loan? Lawyer said they have no paperwork from them. I was trying to refinance in the fall. I had a call from XXXX XXXX and did not complete the application. I sent the email showing unfinished application to my lawyer. And also email from XXXX XXXX asking me to finish my application. I think they are scamming me. Using unfinished application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/23 I requested and received my Experian consumer report via XXXX. ( see Exhibit A ) On XX/XX/23 I sent a notice of dispute with a copy of my passport via certified tracking with a green return receipt to Experian regarding inaccuracies on my report pursuant to 15 USC 1681. ( See Exhibit B ) On XX/XX/23 according to certified tracking records, my letter was received by Experian. ( See Exhibit C )

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been calling all the three consumers companies but the problem is still there

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 2023-06-27
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was only browsing through the credit card benefits but never submitted an application. Chase checked my credit score without permission and kept sending documents to fill out the rest of the application, which was accessed by mistake. Although I asked them to cancel everything they did not follow through, and when I called the second time they denied application instead of acknowledging that this application never really has been submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made a settlement agreement with XXXX XXXX XXXX that if I paid {$300.00} of a {$490.00} balance for a debt owed that once the payment cleared they would contact the credit bureaus to have this debt removed and any history from my credit reports within 30 days. 

The payment cleared in their system on XX/XX/2021. Today is XX/XX/2021, I have called them about 3 times over the past 7 days. Only to be told that I still have to wait before they contact the credit bureaus because it takes 45 days which is not what I was told in the beginning. I called again on XX/XX/2021, and spoke with a rep. named XXXX, she tells me it takes 30 days and the 30 days have not started yet. It was reported to the credit bureaus that I owe a balance of {$190.00}, which is supposed to be cleared as per our agreement. 

I recently refinanced my vehicle and did not get the rate I deserved because this debt is still on my credit reports.

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 2023-06-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or around XX/XX/XXXX, Select Portfolio Servicing submitted to us the results of the annual escrow analysis report. 
The report indicated that there was an escrow shortage of {$1600.00}, on page two section C, of the report. The report also provides instructions on how to pay off any escrow shortage, if one is inclined too. 

Pursuant to the instructions provided by Select Portfolio Servicing, we submitted a payment of {$1600.00} on XXXX XXXX and called Select Portfolio Servicing to inform them that the escrow shortage is being paid for in full. Please review the attached proof of payment for the escrow shortage. 

During our conversation with Select Portfolio Servicing representatives, we were told that our monthly payment would be adjusted to reflect that the escrow shortage had been satisfied. 

However, as of today XX/XX/XXXX, our monthly payments have not been adjusted. In a letter from Select Portfolio Servicing dated XX/XX/XXXX, we were informed that our monthly payment was being held in an unapplied account and that our mortgage was delinquent. This XX/XX/XXXX letter also threatens to submit derogatory and incorrect information to the credit bureau. 

In a XXXX XXXX letter Select Portfolio Servicing, erroneously claims that our XXXX mortgage payment was not paid. Select Portfolio Servicing, also states that a {$25.00} late charge has been assessed to our mortgage account. 

It should be understood that all of Select Portfolio Servicing claims are bogus. Please find the attached proof of payment for the following : 1. Escrow Shortage {$1600.00} received by SPS XX/XX/XXXX processed XX/XX/XXXX 2. XXXX mortgage payments {$1000.00} received by SPS XX/XX/XXXX processed XX/XX/XXXX 3. XXXX mortgage payments {$1000.00} received by SPS XX/XX/XXXX processed XX/XX/XXXX 4. XXXX mortgage payments {$1000.00} received by SPS XX/XX/XXXX processed XX/XX/XXXX We demand that Select Portfolio Servicing apply the Escrow Shortage payment correctly. Then apply our XXXX, XXXX and XXXX mortgage payments correctly. All late charges and fees must be reversed. Finally, any and all derogatory or incorrect information sent to the credit bureau must be removed. 

Thank you, XXXX and XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 Credit Reporting act XXXX Account # XXXX ( XXXX XXXXXXXX XXXX XXXX ) and Account # XXXX ( XXXX XXXX XXXX ), has violated my rights.

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

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 2022-06-11
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Hello my name is XXXX XXXX this is a pretty intricate problem. What Im experiencing is I got an interest only Home equity line of credit in 2006 right before the first mortgage meltdown.. so Ive been paying interest only on {$100000.00} for the past almost 17 years! when I do the math Ive paid pnc back substantially more money than what I borrowed!! The institution in question is PNC Bank if you remember PNC Bank was national city Bank! PNC bought all of national city toxic assets all the. while I was paying interest only loan for the past 17 years and when I talked to pnc they refused to give me the bank statements going back to the inception of the loan nobody will help me, nobody wants to talk to me, they just want me to keep paying {$750.00} a month which none of it goes to principal as per the interest-only.. so my complaint is PNC has made roughly {$140000.00} over the maturity of this interest only loan and the only reason I havent stopped paying on it is because I dont want to ruin my XXXX credit score on the XXXX scale # XXXX, but I dont think I should be responsible for any more of this money because its been paid back already this is my complaint they refuse to send me the monthly statements since the inception of this interest only loan my name is XXXX XXXX my phone number is XXXX I need help as economy is tanking right before our eyes I dont think I should be responsible for any more of this money Ive been paying for the past 17 years to the tune of {$750.00} a month

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


has violated my rights. Or a list of inquiries : 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 make 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 any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Grain Technology, Inc.
State: MS
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 credit Reporting act Grain Technology Account # XXXX XXXX XXXX XXXX has violated a my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for 98. % purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, I already have one complaint with you numberXXXX regarding opening an account at the bank capitaone on my name but I can not choose my money and today I wanted to sign up for an account and I found out of this account number-XXXX  no longer exists, I want to know how Is it possible for someone to cancel my account and my money disappeared I have my as a fraud from someone from the bank capitaone? Thank you for your reply XXXX 's contact : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital one told me they believed I was in the right but they shut down my card account for no reason they would not reopen my account they damaged my credit score I'm trying to re establish credit credit they took my last payment and turned off my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I have a credit card account with Capital One, and I paid off the balance on the account on XX/XX/2022 but they still continue to charge me interests even after paying off my balance. No other credit card company does this to me. I have had the same issues with them in the past, and they are still doing the same thing and don't want to change their practices. These are unfair practices by Capital One to consumers, which they need to rectify. I thought they had changed their practices after this same experience with them in the past, but it looks like they don't want to. What makes them so different from other credit card companies, who do the right thing. I have paid off balances on my other credit cards and none of them have ever come back to charge me interest fees. So, I guess I can not continue with this type of unethical company. I spoke to a customer rep. of theirs today, and he was still talking about accrued interest, which are already included in the balance I paid off. Then he says " You can do what you want. '' Please have them remove those charges from my account and stop harassing me about them with phone calls and emails. I paid off {$1200.00} and they are harassing me about {$14.00} that they charged the first month and now jumped to {$29.00} this month. This is a way of stressing consumers, which I really do not need now. Thank yo for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-08
Company: Southwest Credit Systems, L.P.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter on XX/XX/XXXX from Southwest Credit Systems that they were collecting {$30.00} on behalf of XXXX. I called XXXX today ( XX/XX/XXXX ), and their Collections department confirmed I had an outstanding balance of {$30.00} on a recently closed account ( XX/XX/XXXX ), but that the {$30.00} was still showing on the account, and it had not been assigned to a collection agency. I paid XXXX the {$30.00} directly, and received a payment confirmation. When I called Southwest Credit Systems back to explain the money had been paid, they said they were waiting for confirmation from XXXX so they could close their account. But why would XXXX contact them, if they never contacted Southwest Credit Systems to begin with? When I asked this question, the Southwest representative simply said " there 's no way that could happen. '' Needless to say, the whole situation seems fishy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Paypal Holdings, Inc
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a paypal savings account and it asked me to submit documentation identifying and verifying myself. I submitted that documentation unaware that it was expired because I had not received my new id at the time. When I was informed that the id I had submitted was expired, I tried to rectify the situation by redoing the application over but department at paypal savings told me that was not possible and now because of that mistake, the system tells me I am ineligible for pay pal savings because they couldn't confirm my identity. I want this issue to be resolved because this is a form of discrimination, and because of one innocent mistake I'm being kept from a banking product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: LEXISNEXIS
State: IL
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:
its being reported on my credit report i filed a bankruptcy when i have not causing accounts to be closed and my credit dropping over a 100 points! this caused me to lose my credit standing and i no longer qualify for a home loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 Credit Reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

ID FOR COMPLAINT SENT TO TRANS UNION LLC XXXXXXXX

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