BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a call from rude person XX/XX/XXXX stating he was trying to serve me a summons. Informed him I was in Florida and would be back in office Monday if he'd like to serve it there. I am EASY to find - XXXX my name - my business address is everywhere. 

XX/XX/XXXX a XXXX XXXX from " XXXX XXXX XXXX '' called my cell phone, my office, my brother, his wife, my ex-wife and informed everyone I am being sued and they better tell him where I am. 

When I received the message he called, I called back immediately - I was transferred to " litigation '' where the person YELLED that I better pay my debt and he is suing me on behalf of Chase bank. 

The only information he provided was it was a credit card opened in XX/XX/XXXX, my last payment was in XX/XX/XXXX, and Chase charged off the debt in XX/XX/XXXX. I informed him California has a 4 year statute of limitations on collection, and would be happy to receive a summons to defend myself. He then began yelling that " you are being sued '' and " you just got served ''. 

I am an easy person to find, and there is no need for a debt collector to contact people and inform them I have an outstanding debt - he was very rude to them too. I have asked everyone to hold on to the voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: MD
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 2021-12-02
Company: Mr. Cooper Group Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Mr. Cooper  aka Nationstar was not been reporting my mortgage payment history since they took over the loan in XXXX, XXXX. I have spent the last 9 months trying to get them to report it retroactively but have only succeeded in getting them to report as of XXXX, XXXX. I have made multiple requests each month since then and each time they promise to resolve it and each time they do not. This is their legal obligation to report correctly under the Fair Credit Act, and yet they continue to fail at resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX- XXXX XXXX XXXX was repossessed. 
XXXX XXXX - XXXX XXXX XXXX was sold at auction. 
XXXX XXXX XXXX failed to provide the following documentation to the consumer according to Ohio repossession laws : 1. Notice of Repossession 2. Written notice of loan default 3. Notice of Sale 4. Written notification to the purchaser of subsequent responsibility for any deficiency remaining after the sale.

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 2022-12-30
Company: Experian Information Solutions Inc.
State: NC
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:
Experian has had proper notice and proper documentation in this complaint that includes an identity theft account and police report even after several days of reporting this complaint to Experian regarding these two fraudulent inquiries Listed below. 

Experian has record that I have provided an identity theft report and police report outlining these two specific fraud inquiry issues and you will see required documentation to order these unknown and non consensual inquiries in the following two false inquiries. 

1. XXXX ( XXXX XXXX XXXX XXXX 2. XXXX ( XXXX XXXX XXXX XXXX XXXX stands for XXXX XXXX XXXX according to the Attorney Generals Office and could be precariously posted as XXXX as reported in the identity report I am sure they accidentally overlooked it and I agree not to sue, please remove these two inquiries, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have phoned on the XX/XX/XXXX and XX/XX/XXXX and spoken with customer service pertaining to credit score reporting to credit bureaus, it seems like, when our payments were late the credit card company XXXX would report the card late, but now the card is current, the card information has not been reported to the credit bureaus. when speaking to someone in the credit department on the XXXX they stated it would take XXXX billing cycles, but, I stated that was unacceptable and, that should not be when your company has been reporting on a regular basis. This has cause an issue on our end, because, we are trying to XXXX a home, been XXXX in a hotel over a year and been working on our credit to get things straighten out myself and my husband and now we are at a stand still, with negative remarks on our credit reports, because of this, we stated to the credit card company that the credit bureaus said they never sent anything over to them this is why no information was reported and a file number was given to my husband to given to XXXX and the customer service in that department did not even want the number, but when, told her what the representative from the credit bureau said she just stated her supervisor will take care of that. All she had to do was enter the file number into the system for the report she kept stating it will be looked into before, XX/XX/XXXX. I said that's unacceptable and, I would be calling back. 

I phoned back XXXX was the last day we spoken to the company and the issue still wasnt corrected, I was given a number to the credit department but it just ranged and, I hung up, I am doing there job, I am the customer, and this is not my responsibility but am looking for solution Sincerely Yours 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 2022-12-17
Company: EQUIFAX, INC.
State: MN
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:
The Company Equifax inc. Has continuously to report fraudulent information on my equifax profile, equifax for months has blocked me out of subscription services that I enrolled in. Equifax has damaged my reputation. By putting the false narrative out there that Im not an eligible candidate for lines of credit, personal loans. And financing wich I have been denied because of the innacurate information the equifax is reporting. Equifax violated my right under being a victim of my data being stolen. Equifax also has violated many federal laws and violations under the FCRA. XXXX have been documenting over the course of 7-8 months of all these violations. Since this been an ongoing matter i will be submitting a fedral complaint with my states attorneys office and hiring legal representation for the damages and defamation equifax inc has caused to my character

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 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 Has violated my rights.

15 USC 1681 section 602 A. States I have a 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 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.

I also ask for a re-investigation and according to the term investigation consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

The credit agency has violated my rights to a proper investigation.

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 2021-10-02
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account was frozen ( limited ) and I cant use it or get my funds that are in my account for 180 days. 
Late XXXX XXXX I had to open a PayPal account to cash in on some winning from XXXX sports. It was the only way that I could claim my winnings because it was the only way that they would make the payment. As long as it was open I decided to start having my rewards from other sites transferred into the new PayPal account. 
On XXXX XXXX, XXXX I received an email that my PayPal account was limited ( frozen ) and I could not use or have access to my funds, I would be notified after 180 days as to how to get my money. There was no explanation as to why my account was frozen, ( only a link to possible reasons, none of which seemed to apply ). The only things that I did were to deposit funds, check my balance and try to apply for a PayPal card. None of these actions should be a violation of rules. 
I called customer service to try and clear up the situation and was told that they could not see any reason why the account was frozen and that it would be restored within 24 to 48 hours after a review and I would get an email when it happens. 
Five days later I still did not receive a reply and my account was still frozen. On XXXX XXXX, XXXX I called customer service again and again I was told that they could not see any reason why my account was frozen and that there was no update to the status of my account and that they would send another request to the reviewing department. I was also asked to send a copy of a photo ID which seemed unnecessary because they already had information on me like my SSN. I reluctantly sent their request. 
As of XXXX XXXX, XXXX after 11 days there was still no response to any of my calls and my account is still frozen so I filed a complaint with the XXXX. 
I received a response that the account would remain frozen and I would receive instructions to get my deposits back in XX/XX/XXXX. 
This all stems from the use of a VPN when I accessed my account. 
In the mean time I have a reward that is in limbo. It was supposed to deposited into my account but they cant deposit it because of the freeze and I dont know if I can get credit or some kind of refund for it. 
How can they arbitrarily freeze peoples accounts and use the same excuse of risky activity and hold on to their money for 180 days? 
How can I get my account restored?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
State: CT
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 have an account and personal account information on my account that isnt mine. Ive tried to dispute it- I have even had it removed, paid to have it removed and its back on two out of three credit reports. I am on my second social security number because of ID theft and another person with same name And birthday in a different state- her info has shown up on my report for YEARS! I also can not contact the XXXX XXXX which Im trying to dispute. Because i cant confirm the adress and ssn. Doesnt match up with mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have filed a complaint against XXXX XXXX. XXXX XXXX illegally added their company to three credit bureaus. XXXX, Transunion and XXXX. All three credit bureaus added the above as a derogatory mark on my credit, therefore bringing my credit score way down. They did not get the proper documents from XXXX XXXX to add this to 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 explanation
Consumer complaint received 2023-10-03
Company: NAVY FEDERAL CREDIT UNION
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XXXX XXXX i disco ered that my EX husband has opened an account with my name on it. At thetime i recived a document ti fill out and cloae my account. I completed the forms made myself copies and mailed the documents. Today XXXX i called Navy Federal and they told me i couldnt remove myself from this account because... i wasnt the owner of the account, his account was locked, that i hadnt sent in the forms, that i sent inthe wrong forms, and what ever other excusethey could come up with to hang up on me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
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: 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 believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021, I sent a letter to XXXX, Equifax, and XXXX to investigate incorrect information on my account. As a result, they never responded within the 30 days allowed for investigation. 

This is my second letter I am sending to them requesting an investigation on inaccuracies appearing in my credit file. The most recent letter was sent 30 days ago, with no response from your company. I was again requesting that you investigate the accounts listed in the letters. 

Since they did not respond within 30 days, I will assume that they are not able to verify this information and will remove it from my credit report. Federal law requires you to response with 30 days, days, yet you have failed to do so. I am maintaining a log of all corrections sent to your company from future legal actions if continue to ignore my requested. I would expect that you send me an updated credit response for my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I didn't authorize this company to have my information nor, did I authorize this account. This account was placed on my credit from a fraudulent account that I didn't authorize and I demand that its removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02
Company: SYNCHRONY FINANCIAL
State: IL
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2018-04-03
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX Nationstar Mortgage, LLC aka. Mr Cooper Short Sale/Foreclosed on my home while in the process of requesting loan modification ( RMA ). In XXXX of XXXX, I had an accident at home which resulted in severe injuries and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reached out to Nationstar Mortgage for assistance and of course got the run around so I turned to a Hud approved organization XXXX XXXX XXXX XXXX XXXX in XXXX, Georgia for help to facilitate the application. During that period I received a call from my son that a lady came by to inform me that the property was foreclosed. I called Nationstar Mortgage and spoke to a representative who informed me that she did not see the property foreclosed but I could contact the court house. Because of the time of day, and knowing that the court would be closed, the representative suggested that I contact XXXX XXXX which I did and that representative affirmed that she too did not see the property been foreclosed. The notice that was left by said lady, the property description 4//2.5br did not match my property description 5/3br w/basement. A week and half later, the said lady came back and demanded that my family immediately vacate the property, so once again I contacted Nationstar and this time was told that the property was not foreclosed it was short sale. The representative could not give me the full detail so I was transferred to the document department where I held the line for about 1.5 hours before the line disconnected. I decided to call back the next day and once again told the property was SHORT SALE, the representative even went on to explain the difference short sale and foreclosure when I asked, " What the XXXX does that mean? '' in a state of shock and dismay. I immediately ask to speak to a supervisor, placed on hold for about an hour only to be told that the supervisor would call me back on Saturday, XX/XX/XXXX between XXXX XXXX. I waited to no avail, no one called back. No one bothered to return calls to the advocate at XXXX XXXX XXXX XXXX XXXX after several attempts to reach the appropriate personnel. XXXX XXXX XXXX XXXX and I had a 3 way conversation with a representative from XXXX XXXX who stated that he had call to foreclosure attorney find out what happened to the property, did they foreclosed or was the short sale.At that I could not understand why XXXX had to call the attorney to confirm, because at that time he could not see either transactions. A wrongful Foreclosure, fraud and deception suit has been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Fraudulent reporting by a company called XXXX XXXX on my credit profile. XX/XX/2020. 
I've written this co. Requesting validational of alleged account. They have yet to provide, nor can they provide information. 
XXXX refuses to remove it claiming its valid but will not provide me with validating documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: WV
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I looked at the closing disclosure and again I was told that the closing cost cash to close XXXX different than what I was told yesterday XXXX. The cash to close is well above what I can afford right now. I must admit that I am experiencing stressful situations with a simple loan that increase from small amounts to close to a amount that empty my bank account. Loan was originally estimated XXXX now XXXX. 

Closing should not very by several thousands dollars. I feel that the financial burden that is now being asked is well beyond my budget. 

Please advise on the next steps.

Company response to consumer: Closed with monetary relief