BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am a XXXX XXXX XXXX member and also have their XXXX XXXX credit card. XXXX advertises a product called the " XXXX XXXX '' which, after accruing enough points during a calendar year, allows for a travel to designate a XXXX who flies with them for free - it has significant monetary value. 

In early XX/XX/XXXX, I checked my account and noticed that I needed approximately XXXX additional points in order to requalify for the XXXX XXXX  in XXXX. I checked my XXXX credit card statement payment date with Chase ( the issuer of the XXXX XXXX card ) and saw that my next payment date was XX/XX/XXXX and that I would be being enough money such that it would translate into the additional points needed to qualify for the XXXX XXXX 

In XX/XX/XXXX, I checked my XXXX account and noticed that I did not qualify for the XXXX XXXX, so I called XXXX. I was told that although the credit card payment was made on XX/XX/XXXX, that my points " always post '' on the XXXX of the month and that it was my responsibility to understand this. 

My complaint is that this is an unfair and deceptive practice. From the customer 's vantage point, points are accrued when one flies ( i.e. the flight dates ) and when one pays their credit card - it is unreasonable to expect that the layperson would know that there is a material lag between payment and posting dates which, in this case ( and probably many others ), could result in failure to obtain a marketed benefit with material monetary value.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Phh mortgage service. I asked about a repayment plan. XX/XX/23. I then asked about a loan modification estimate being that I have became XXXX and struggling to pay my bills. I didnt like the terms. It keeped my payments the same interest the same but increase 10 years to the loan. so i did not agree to it. Spoke with Agent XXXX XXXX. She informed me that the loan modification needs to be canceled and was maliciously put into place without my signature. All is needed is a payment to agree to the terms she told me. And now they wont let me make my regular monthly payment from XX/XX/23. They are getting interest but refusing to let me pay since my last

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Despite providing my current online login information, CapitalOne will not allow me access to my account unless I provide them my cell phone number. 

They state, duplicitously, that this is necessary to verify me. I say 'duplicitously ' because they can verify my identity in MANY other ways aside from my obtaining my mobile phone number. As is plainly evident, this is yet another example of the now ALL TO COMMON ruse incorporated by all corporates to collect customer mobile phone information because it is the most coveted/valuable piece of customer information available from a revenue/business perspective, none of which has to do with account security. Not coincidently it also happens to be the most highly valued piece of personal information I own from a PRIVACY perspective, on that hold in extremely high regard and NOT something I share with anyone involuntarily.

The plain fact is that : 1 ) I did not agree to provide my mobile information when I signed up for the account ; 2 ) There are a host of other means by which I can be verified, including but not limited to VERBALLY ON THE PHONE or VIA email, which ironically is used for ALL customer related communications.

The fact that they restrict access to my account unless I provide them this is nothing short of extortion, plain and simple. I find it shocking and mind boggling they and others are allowed to pursue this tack without recourse. What's more, I had THIS EXACT COMPLAINT several years ago to which they conceded error and corrected.

Unfortunately corporations in this country are permitted to act with impunity and free from accountability to an egregious extent, and it sucks that our Regulators and Regulatory Structure could not care less.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
The company is harassing me and my family. We have tried to work with them and they will not give us any grace. They call over 5x a day and we told them we can not pay the amount they need and they continue to threaten to send us to collections. This is a horrible company and the loan that started out at XXXX is now well over XXXX. Terrible. And they have no grace for military members.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiry is unauthorized : On XX/XX/2020, XXXX XXXX add a hard inquiry 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 explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
EXPERIAN is obligated by the FCRA to report accurate accounting. I, the consumer, have advised ALL the inquiries reported were fraud. Said company had four ( 4 ) days according to LAW to remove such items. I have filed a FTC fraud report in this regard. I, the consumer, is now requesting EXPERIAN to provide the documentation used to determine whether the inquiry was indeed authorized by the consumer. EXPERIAN has fifteen ( 15 ) days to provide me with the name of the person spoken to, documentation used, signed application with my wet ink signature. I am NOT asking for an e-oscar report and if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EXPERIAN XXXX : XXXX. With an address of XXXX XXXX XXXX XXXX XXXX CA XXXX United States and headquartered at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore, I will be filing form 211 treasury omb forms to audit said accounts. EXPERIAN is securitizing consumers data yet refuses to provide me a copy of my CONSUMER FILE, NOT CONSUMER 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 2019-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was going over my credit report I noticed that there are addresses that are not mine showing.Please remove me from XXXX XXXX, XXXX, XXXX, XXXX. ( Gramm-Leach-Bliley Act ) 16 CFR 313.15 SECTION. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction. 
I do not nor have I given my consent to any consumer database. 
I would like the following addresses deleted This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX CT, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. My name is XXXX XXXX please delete all other variations. I am no longer affiliated with these addresses, I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX XXXX XXXX, Oh 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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 
Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A States that a consumer reporting agency CAN NOT furnish an 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 2019-04-13
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Around XXXX I got messed up with XXXX  XXXX and they cancelled my home insurance. I was not made aware of this until XXXX At that time i went and purchased insurance from XXXX XXXX for my residence around XXXX was notified by mortgage company ; [ flagstar bank XXXX XXXX XXXX Arizona ] that  they needed a copy of my home insurance which i sent to them. they sent a response back and said they need coverage for the XXXX thru XXXX or they would provide forced insurance for a past date, they offer for me to get myself however no insurance company will provide coverage for past dates> They have shown a negative amount in my mortgage account for this forced insurance for past time when nothing happened and when certainly i cant get coverage for a past time occurance is this legal the forced insurance amount is {$1000.00} which provides not benefit to them or me? Since the forced insurance company is a subsitiuary of the bank it is a method to make money in house with no risk There is no doubt my insurance lasped however i corrected as soon as i was made aware of this and doesnt this qualify for taxation without representation too? >

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 2023-08-21
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:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2023-05-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company keeps calling me. First they were asking for some woman now this last time they asked for me. I have no business with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Under my rights as a consumer under the CFPB, the original debt owner and the debt collection agency failed to reach out to me in regards to the " false claimed '' debt asking to be paid. I requested in writing to each for validation of the debt and also signed contract with my handwriting and all personal information in regards to the debt. They have yet to respond within the allotted time permissible by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated 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 open end consumer credit plan as late for any purpose.

2866

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$2000.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$36000.00}

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 2023-05-05
Company: EQUIFAX, INC.
State: IN
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 am submitting a complaint against the credit reporting agencies XXXX, XXXX, and Equifax due to inaccuracies in my credit report, which violate the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I filed a dispute with Equifax, XXXX, and XXXX addressing incorrect information in my credit report, specifically regarding the following items : 1. Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic XXXX XXXX Account Number : XXXX Update to paid as agreed. 
2. Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy XXXX Account Number : XXXX Please Delete Immediately 3. Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately 4. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX Account Number : XXXX Please Delete Immediately 5. This is not my name. 
Incorrect Name - XXXX XXXX XXXX Please delete this inaccurate name from my credit report.

6. This is not my address Incorrect Address - XXXX XXXX XXXX XXXX # XXXX XXXX, KS, XXXX Remove this address from my credit report I supplied all required documentation and evidence to support my claim. Unfortunately, even after the investigation, the erroneous information remains on my credit report.Despite submitting a dispute with evidence, the credit reporting agencies failed to correct the errors. This violates their duty to provide accurate information and correct and update information. They also neglected to indicate the dispute by me and provide notification of consumer dispute in my subsequent reports. They also failed to follow reasonable procedures to ensure maximum possible accuracy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Solomon and Solomon, P.C.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The lack of support during the tedious process I have felt extremely violated and compromised and as well as devalued as a consumer the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unknow creditor inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX all the following inquiring reports was made without proper permission on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
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 is missing that should be on the report

Complaint:
I recently applied for a credit card and notice that my XXXX  XXXX Credit Card Acct # XXXX XXXX XXXX XXXX that was opened in 2016 was not reported on my credit report for any of the bureaus. Please report my XXXX XXXX Credit Card Acct # XXXX XXXX XXXX XXXX payment history and current account information to all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: FL
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 did not authorize XXXX or the Collection Agency to put this collection back on my report. This issue was resolved almost a year ago and this collection company is back trying to hurt my credit for this collection that was never authorized! 

I believe the CFPB was the reason why it came off my report and I have no idea why it is back on! Please reach out to them and have them remove this immediately because this came out of no where! 

The collection in questions is from : XXXX XXXX XXXXXXXX Original creditor : XXXX Acct # : XXXX Please have them remove this once again. I do not want to deal with this issue anymore. The problem has already been resolved. I have no idea why they are harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The lack of support during the tedious process I have felt extremely violated and compromised and as well as devalued as a consumer the following inquiries XX/XX/XXXX XXXX  XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX unknow creditor inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX all the following inquiring reports was made without proper permission on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax is report XXXX in amount of {$9000.00}. This account is paid in full. Please contact XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference file number XXXX and Cause No. XXXX.

Company response to consumer: Closed with explanation