BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This is for all three big business bureaus XXXX, Experian, XXXX. Has contacted me now on Plenty of occasions regarding information with my name, address, telephone number, a play, personal information, and accounts have been compromised. They are they are still using my maiden name XXXX access information open accounts in my name. They have student loans have been on deferred and that are being paid off all my status which is affecting my credit and not able to get anything in my name play XXXX XXXX are like heads regarding house in the car because of the high loan raid that should be on there because again I'm in school at 10 and XXXX and all of them have been paid off on time. My lawyer XXXX XXXX  has spoken to them regarding and they said they're going to remove it and now I am contacting them each again to get it moved. They are not security my account at this supposed to and still information still going on the blackweb. Being alerted about. All they're doing is XXXX managing and catching defects here and there Play Still allowing accounts to be opened in my name in the choir he's to be over thirty a day. I haven't seen on the phone for two hours each day trying to get in touch with them in order for them to take off the fries in order for them to monitor of my account and for them to honor their I do need to have fall asleep back it and if so I can fill out and receive the conversation that I deserve I have not received any information I have not been able to get through anyone and my credit is going down. Which allows me not to be able to get any loans during this time this afternoon at the time where they're telling us if that's what's going to help us and I'm going to be able to do that due to to get streak app credit companies they have information on their claims that has not been mine that I disputed that I have the proof that wasn't mines and it's still on there affecting my score. They stated that they just they send me a letter regarding Experian had and it did this in town the XXXX I have not received it yet I have a membership at Experian and XXXX  that I pay out of my own money each month for a boost and formica promote it properly and I'm still didn't tell him where I didn't say who is IRS IRS and Social Security

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 2023-12-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I was alerted in XXXX by XXXX and Chase, that there was a change on my credit report. I received an email from Chase that more information was needed from me before my application would be reviewed. I thought it was a scam so I deleted it. Then I learned from XXXX, after checking my credit report that someone applied for a Chase card in my name. I contacted XXXX immediately, and they provided me the number for Chase to call. Chase fraud dept. immediately denied the application, XXXX updated all three credit sites to note fraud was suspected and to contact me directly for any reason. A few days later, the same thing happened. I contacted Chase again, the application was denied and this time I went to all three credit sites to freeze. I went to a Chase branch to pick up the necessary forms, to submit a claim to obtain the applications received. I received the forms today. 

Reference # XXXX XX/XX/XXXX : Application submitted by XXXX XXXX XXXX XXXX XXXX  Application Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX Telephone ( XXXX XXXX XXXX ) - this is not my phone Cell - XXXX  - I only have a cell phone Alternate N/A Social Security Number XXXX XXXX XXXX XXXX  - this is my SSS. I checked the SSA site and I don't see any sign of damage or fraud, nor have I received anything, but I don't know how this person has my SS # Date of Birth - XX/XX/1963 Income - {$98000.00} - this is actually incorrect, I am unemployed Mother 's maiden name - XXXX - this is incorrect. XXXX is the married name email : XXXX IP address : XXXX Employer - NA Position with Employer Employed Employer Telephone NA Authorized User : NA Authorized User Date of birth NA Reference # XXXX Application submitted by Internet for Chase Freedom card on XX/XX/XXXX at XXXX XXXX  Application name : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Home phone XXXX XXXX XXXX Cell NA Alternate NA SS # XXXX Date of Birth XX/XX/XXXX  Income XXXX annually Mother 's Maiden name XXXX email address XXXX XXXX address XXXX Employer NA Position Employed NA for Employer phone, Authorized user and authorized user date of birth

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2019-03-01
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent a settlement payment to Account Resolution Corp for 3 different medical collections accounts that are reporting on my credit profile. The agreement was that by accepting my 3 separate money orders, they agreed that accepting the payment, the accounts would be settled as paid in full, not as a balance update, and would additionally be deleted from my credit report, ( NOT just updated, but deleted ) They accepted the terms of the payment and instead of deleting they updated the account with the payment amount. Additionally the agreement was that the debt also would not be sold to any other third party or any other collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: NY
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 other 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 alleged fraud or extortion. 


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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I disputed the bankruptcy that is reporting on my credit report to all bureaus and their claim is that the bankruptcy was verified. I sent a letter to the bankruptcy clerk to ask the reporting guidelines and they responded that the courts don't report to the credit bureaus. So with that being said, the credit bureaus is falsely reporting a bankruptcy on my credit report and that is against FCRA Section 611 Subsection 5a

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018 I used my credit card to rent a car through XXXX XXXX XXXX XXXX. This is my second occurrence of being over-charged by XXXX. However ; on this occasion XXXX customer relations promptly addressed the matter after previewing my filed complaint and the invoice and subsequently credited my account {$44.00} from the originally charged amount of {$110.00}. Which meant my actual bill totaled {$100.00} and the matter was closed due to the amount being paid in full. 
I in this same timeframe disputed the charge with Capitalone my credit card issuers, who upon receiving documentation from XXXX credited my account {$100.00} which I never used for any purchases. Since this charge my monthly finance fees have eaten up this provisional credit. I have asked Capital One why they didn't just bring my balance back to XXXX after discovering the credit from XXXX and seeing that in fact the actual amount to be satisfied had been paid in full which was {$100.00}. Secondly, customer relations representatives made notes on my account reflecting my conversations and the supporting documentation I personally provided via my email address : ( XXXX ). 
It appears to me that by consistently placing this purchase as a recharge every month they can continue adding excessive fees and increased monthly payments which I think is bad business practices. Lastly, no matter how successful I am in paying my credit card on time over the past 8 years I have never qualified for a no interest credit card with no annual membership fees. I believe this is a factor in this current matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in the disaster forbearance plan starting XX/XX/XXXX. Flagstar Bank and I agreed to start the Loan Modification Trial Period beginning on XX/XX/XXXX where I was to make three payments. Although I started making payments in XX/XX/XXXX, I routinely made my payments through XX/XX/XXXX of XXXX, Three payments. 
I called Flagstar Bank on XX/XX/XXXX or XXXX XXXX to make my third payment for this trial plan but the person who I spoke with told me I didnt need to make this payment because I made my three payments already. I wasnt sure about this and asked the ( male ) person if he is sure and certain that I didnt need to make this payment and he told me I didnt need to and that I should wait for documents in the mail like a new modified contract around XX/XX/XXXX and that I can make my first payment in XX/XX/XXXX. So I left it at that and didnt make any payments for XXXX and XXXX of XXXX because I was waiting for a new modified contract but nothing ever arrived. 
Well now Im in trouble because of this. I waited till XX/XX/XXXX for those documents and nothing ever arrived. I finally received a letter in XXXX stating that I broke my contract because I failed to make this last payment. They then told me that I would be in a Streamlined status and I should wait for documents to be mailed to me, that never arrived either. 

Flagstar Bank will not even listen to me about this. I call at least two times a week asking for help and they wont help me. I have to re-apply for Loss Mitigation Relief. 

I know they record these phone calls and the proof is within that recorded phone call. That person who I spoke with gave me bad information and now I am at risk of foreclosure as well as negative hits on my credit. I am preparing to seek legal action against Flagstar Bank if they dont make this right. 
I still make payments and have been making payments consistently for the last four months. 
I just want to get my modified contract back to good standings, prior to forbearance Ive never missed a payment. Other than the bad advice given to me by Flagstar, my payments have been on time.

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 2023-10-01
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I bought a XXXX card for XXXX. XXXX sent a picture of the delivery made to an open parking lot and provided a message that the item was left in a secured mail room as per usual. After contacting XXXX I was told it was their mistake and I should be refunded. 

I then bought a XXXX XXXX card thinking I would be refunded soon. When it came time to refund me, XXXX requested a police report. After providing a police report, I was still denied a refund. I was told to wait XXXX XXXX. I informed them I would be moving forward with a chargeback from my bank. I still called after XXXX XXXX and told them if they refunded me I would cancel the charge back. I was given a XXXX ticket saying I would be contacted. I never was and closed my accounts with XXXX after I called and was again refused a refund. 

The initial XXXX was denied. After XXXX rebuttals the investigations dept sent me information regarding the purchase I made on the XXXX and not the XXXX. I was forced to reopen a new case. After about a XXXX my claim was denied on the XXXX of XXXX. I requested info on why it was denied. I was sent XXXX pages of a blank XXXX from Chime and no reason as to why I was denied. 

I called Chime and requested to speak to a XXXX. XXXX, let me know that the evidence I issued to Chime ( *see documentation ) was not considered in the investigation. He concurred with XXXX other XXXX that this is a clear-cut case of non-receipt of goods and services. He submitted a rebuttal with special notes for the investigation team. The rebuttal was denied because Chime needed new evidence to process a rebuttal due to their policies. I called Chime again and spoke with a XXXX named XXXX. He also concurred that this issue is non-receipt of goods and services. My XXXX rebuttal was denied again. No reasons or merchant evidence provided and no path to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Freedom Mortgage Company
State: RI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I am trying to have my mortgage lender process a XXXX XXXX XXXX XXXX XXXX XXXX. 

My lender is Freedom Mortgage. Freedom Mortgage is not acknowledging that this process exists, providing in anyway. 

I believe they are deliberately denying my requests in their own interest. 

A release of liability for an existing XXXX XXXX XXXX XXXX XXXX XXXX mortgage is my legal right as a XXXX My lender is violating my rights and not upholding the laws and procedures of XXXX XXXX Mortgages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After looking at my credit report on   XXXX   XXXX   it shows a debt that I already disputed and had removed from my report. I have never had   XXXX   XXXX   nor do I owe them. I was never contacted by the new collection agency by mail or phone to make me aware they were putting this on my credit report. I do n't know why this is back on my report after being verified that it was a fraudulent account over a year ago.

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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XXXX XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and was astounded to see that I have a debt in collections. Ive paid all my bills on time and dont have a balance. Ive never had business with XXXX XXXX XXXX whatsoever. I do not recall ever signing up with any of their programs or phone plans. I suspect that my ex husband is behind this. He has a history of using my information and opening several credit card accounts and abusing them. Ive paid all of the debt hes put on my credit lines, but XXXX is not my debt to carry. It is a result of identity theft.

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 2023-12-06
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Discovery credit card XXXX calling Daily. Sometimes calling over 5 times a day. I told them I was unemployed and I was looking for a job and as soon as I get a job I would pay the bill. They manipulate to make a minimum payment and they told after that I would be ok for at least a month but even 2 weeks pass by and they kept calling to making the promise of giving me a break after I made the minimum payments. I paid and never had a break. Is very abusive because something I am in the middle of job interview and they keep calling. This is not healthy at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My father was a XXXX XXXX XXXX and purchased a home for {$35000.00} in XX/XX/1992. He passed away and I recently assumed the mortgage. They are claiming that approximately {$65000.00} is owed on the mortgage, claiming due to several Foreclosure Proceedings, but can not give me a breakdown of all the fees. 

The original mortgage company is XXXX  XXXX XXXX. Some years ago, XXXX XXXX XXXX sold the loan to NationStar and NationStar is now Mr. Cooper. 

Recently, I had to modify the loan and they changed the supposedly fixed mortgage payments 4 times in the past year. I can't work with that, this is not normal. Especially on a VA Loan. 

I am requesting that they give me a breakdown of all the fees on this account since the beginning of the loan in XX/XX/1992. 

Please help me, I am having a difficult time dealing with Mr. Cooper. They have a problem sending Statements, Notifications and Correspondence to me every month. They can't answer my questions and they don't call me back when requested. I am always told a certain representative is working on the account, but that person never calls back. 

Thank you, I need you to promptly reply and investigate this fully.

Company response to consumer: Closed with explanation