BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: CA
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:
The unverified account indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian XX/XX/XXXX, 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 youdo not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX Late 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 2019-08-31
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I submitted a complaint to the CFPB about First Point Collection Resources, because this company is reporting a car insurance debt on my credit reports that does not belong to me. In FPCR 's response to my complaint, I was sent a document that claims to validate the amount owed, however, the document actually helps prove my case. My car insurance policy with XXXX XXXX was from XX/XX/XXXX- XX/XX/XXXX. Thus, my payments were do every month on XX/XX/XXXX. My last payment made on the account was on XX/XX/XXXX ( I paid the payment due on XX/XX/XXXX early ). Thus, I was covered from XX/XX/XXXX - XX/XX/XXXX. I cancelled my policy on XX/XX/XXXX via phone call and picked up a new policy on XX/XX/XXXX. This policy covered me from XX/XX/XXXX - XX/XX/XXXX. All things told, I cancelled my policy, prior to the end date of the coverage period of my last payment, and I also picked up new insurance policy that kicked in prior to the end date of the coverage period for my last payment. That being said, I do not owe XXXX XXXX a dime and I XXXX sure don't owe FPCR. I have attached the email confirmation from XXXX which shows when my new policy kicked in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: TX
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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

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 2023-02-14
Company: EQUIFAX, INC.
State: MI
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Firstsource Business Process Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/2023, Firstsource Advantage , LLC sent me a letter purporting to be a debt collector attempting to collect an alleged debt from me. {$760.00}, but will settle for payments totaling {$390.00}. XX/XX/2023, I sent them a letter disputing this alleged debt, a cease & desist collection attempts, an invoice for FDCPA violations contained in the letter, and a pre-arbitration demand.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TransUnion is reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please have them removed from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  and 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 2023-08-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX. XXXX, TX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-08
Company: JPMORGAN CHASE & CO.
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I applied for mortgage assistance in XX/XX/XXXX with Chase. I am now in the 9th month with no resolution. I have answered the same questions over and over. I have sent all requested paperwork in duplicate and triplicate. I have spoken with them weekly to resolve any issues. 

When I called to check on my loan status in XX/XX/XXXX, I was informed that I had already called in on XX/XX/XXXX to cancel all activity on my loan and that I was no longer interested in a loan modification. I did not talk with anyone at Chase at all on that date. Since all calls are recorded, I have requested to hear the recording of this call. My case was closed. After escalation of my complaint and transfer to another department, the account was supposedly reopened, however all documentation would need to be resent. So we effectively started from the beginning. 

Chase can not be this accidently inefficient. My application is clearly being treated in a delaying and fraudulent manner. Each time I call I speak with a different representative. I have been assigned at least 4 Relationship Managers ( Ive spoken with one ). I received 2 copies of my appraisal in XX/XX/XXXX one day apart, and another copy in XX/XX/XXXX. Letters are erratic, stating that information is complete and then it is not.

In summary, I have been shuffled around from department to department, talked to multiple people making duplicative requests, sent and resent income documentation multiple times, been driven into default due to inability to finalize refinance request, been told that my refinance request was closed, claiming I called and requested they do so, been denied recording evidence of my call that the refinance request be closed, been offered reinstatement of the refinance request ( in XX/XX/XXXX ) with a non-committal expectation to have a final response on approval within the next 30-45 days ( the same time frame provided at the time I opened my initial request 9 months ago ), been offered no further apology or admission of fault. 

I would not be in this position at all if I had not been advised by Chase back in XX/XX/XXXX that a home equity loan would be better for me than my requested conventional mortgage. ( It would then not be qualified for the automatic loan modifications that followed the XX/XX/XXXX recession. ) Recent Chase advice specified that if I did not qualify for modification under this current application, I would need to be at least 4 months in arrears before looking at other options. Since the loan process would be completed within a 45 day period ( per Chase ), I stopped making payments on the property to cover this possibility. Now 270 days later, my credit score has dropped and affected my relationships with other financial institutions. 

The treatment I have received from Chase has had a huge negative impact on my life. I need this situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been fighting this account XXXX XXXX XXXX for almost a year now. Your company is the only company that still has this account up on it collections. I have asked for original documents multiple times and was never sent a validation letter. I requested in writing that they send me the following information concerning the debt, as is my right under the Fair Debt Collection Practices Act : The name and address of the original creditor Proof of debt Amount owed and account number. 

Copy of your license to collect in my state I also requested that you have this debt removed from Experian until it was verified. Unfortunately, I have has a response and this is what they came up with : XX/XX/2022 : company STATUS Company responded the complaint does not belong to them on XX/XX/2022 The company responded that they are not the appropriate company to address your issue. 

XX/XX/2022 : Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/2022 The company responded that they are not the appropriate company to address your issue. 

Finally on Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for taking the time to write us. We are a third-party debt collector who collects XXXX  outstanding bills for one or more dates of service. We are not a debt buyer. The services received were XXXX  services and per the XXXX records, these were rendered per your initiation in an urgent or emergent circumstance. Our records show we have sent debt verification to you in the past confirming the dates on which XXXX provided their services. We have updated your address in our system to that listed on your complaint. We have verified that the information being reported is accurate, and have reported the account as in dispute with the credit bureaus. An itemized statement has been requested from our client and will be mailed to you along with verification of debt. After reviewing your previous concerns, it appears that you believe this debt to be fraudulent. If you feel the account ( s ) were opened as the result of fraud or identity theft please file a report at XXXX. Additionally, contact your local law enforcement agency to file an identity theft affidavit. Once obtained, please send us a copy of your FTC ID and claim and/or your signed police affidavit. By email : XXXX By Mail : XXXX XXXX XXXX, XXXX, FL XXXX. Thank you. 

As they have failed to respond to my validation request in 30 days, I am requesting that they cease contacting me and Kindly have the item removed from my report till then. 

Otherwise, I will be forced to pursue legal action against you, as outlined in the FDCPA. 

Sincerely, 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 2023-09-11
Company: Experian Information Solutions 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:
I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXXBalance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00}

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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

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 {$340.00}, XXXX XXXX XXXX XXXX {$770.00}, XXXX XXXX XXXX {$360.00}, XXXX XXXX XXXX XXXX {$680.00}, and XXXXXXXX XXXX XXXXXXXX {$1300.00} 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 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 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 2018-04-18
Company: CITIBANK, N.A.
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:
Well, here I go again to dispute Citibank-XXXX responses from their Reps which are being attached hereto. Case # XXXX After thorough investigations and numerous phone calls to XXXX XXXX XXXX and talking to different liars, it was found that after the fact that there was a valid and legal settlement about my debt with XXXX thru these people XXXX XXXX XXXX the account was sent back to Citibank. 
It looks like when XXXX saw what was the settlement amount ( fair to me ) they decided to retrieve this account from the collection Agency when ( according to their version ) the first payment had been processed. This is very irregular and non-honest procedure and what is more aggravating ; they allege that the second and third payments were never processed. 
I made 3 payments and have submitted 3 payment confirmation issued by this XXXX XXXX XXXX in accordance with the terms of our agreement and can not accept as valid Citibank-XXXX statement saying that there is no proof of payment for the second and third payments. 
I have received 2 letters from Citibank-XXXX officers with unsustainable arguments and I take exception of Citibank-XXXX arguments and furthermore I empower my right to object this procedure and demand from XXXX to respect the agreement with XXXX XXXX XXXX and basically to provide a full history about this account. 
Now XXXX XXXX XXXX need to get involved and explain from their side what really happened and what they did with my moneys after they issued 3 Payment Confirmation No need to stress the fact that this issue has been affecting badly my credit records and because of this I have been unable to do business, now three years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: TN
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:
Account Details Account Name : Department of EducationXXXX Account Number : XXXX I would like to bring to your attention that this account is being reported seven times on my credit report, each with a different amount. This repetitive reporting is inaccurate and adversely affecting my creditworthiness. It is crucial to note that I have no association with this debt, and it is not my responsibility. 

Furthermore, I have observed that this inaccurate information is reflected across all three major credit bureaus - XXXX, Equifax, and XXXX. This inconsistency only deepens my concern, as it implies a significant discrepancy in the reporting process. 

I kindly request that you take immediate action in accordance with the Fair Credit Reporting Act ( FCRA ) laws to rectify this issue. According to FCRA, it is incumbent upon credit reporting agencies to ensure the accuracy of the information they report. Section 611 ( a ) ( 1 ) ( A ) of the FCRA stipulates that ... if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer... the consumer reporting agency shall, free of charge, conduct a reasonable reinvestigation... 

The inaccuracies in this reporting not only tarnish my credit profile but also constitute defamation of my character. I implore you to promptly remove this erroneous information from my credit profile, as it is imperative to restore the accuracy and integrity of my credit report. 

I am providing the following supporting documents for your reference : a picture showing seven different accounts on my credit profile which is inaccurate reporting I kindly request that you acknowledge receipt of this dispute in writing, along with a detailed outline of the actions taken to address this matter. Please be advised that I am keeping a meticulous record of this correspondence for my own reference. 

Thank you for your immediate attention to this matter. I trust that XXXX, Equifax, XXXX will undertake the necessary steps to rectify this situation promptly and restore the integrity of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: JPMORGAN CHASE & CO.
State: CA
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:
In XXXX of 2020, JPMCB credit card account was closed, and with 12 month or 24 month time period of payment plan to be automatically withdrawn from my checking account, however this process was not complete due to their mistake and I was reported for no payment/latepayment for 5 month period of time without notification. Notification was sent by JPMCB, but to an old email account and with out an alerting me as an emergency that I needed to take action. 
I have been trying, going back and forth with credit report agency ( XXXX, XXXX, XXXX ) and JPMCB, trying to take the late payments out of the report with unsuccess. I do feel it is not fair in terms of this reporting because of their mistake in their part of not completing their work correctly and not notifying me with an urgency. As of now account is in very good condition but this was after I found out there was issues. Please help me solve this problem in my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Good day, Could you kindly assist me with my PayPal account? 
I regularly use my PayPal account to offer XXXX XXXX XXXX XXXX XXXX. I accept payments from clients using the PayPal checkout button on my website, which is connected to my PayPal. I also withdraw money from my account once per day once the transaction is over.

I just got a notice from Paypal when I opened my email address, indicating " You can no longer do business with PayPal ( Ref ID - XXXX ) '' .I assumed that this was a system error. 
As a result of finishing all of my XXXX XXXX, I have a strong selling history and no issues.

There are no pending cases on my verified PayPal account.

I use it for business purposes so that clients can pay me using the PayPal checkout on my website.

When I called customer service about my problem, they said that a system had automatically blocked my account and those of others.

Please assist us in resolving this issue. In addition, would you kindly review and restore my account so that I may continue to use it for business? I am prepared to provide all necessary documentation, including screenshots of my financial transactions and the website where the funds originated. Please lend a hand as My Paypal account was crucial.

I'm hoping I can count on you for this.

I really appreciate it.

Company response to consumer: Closed with explanation