BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2020-04-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got a mortgage with SPS ( Select Portfolio Servicing ). In this mortgage, I had to pay the PMI and I already paid 22 % of the initial cost of the home, The state that the PMI will remove automatically when the lender reach 0.78 LTV ( Loan  to Value ). 

I already ask them to remove the PMI and they ask me to send money to pay an appraisal, I already did on time. 

I do not agree with that because they state that the PMI will remove automatically when the lender reach 78 % of the LTV Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Experian Information Solutions Inc.
State: LA
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:
We have sent plenty of letters for fraud and called several times to have all these inquiries remove. I have locked my credit because my ssn was found on the dark web I would like all these inquiries remove.

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 2019-01-13
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Credit cards were open using my personal information. As per chase they were an XXXX and freedom card. I contacted the bank when I was made aware of the fraudulent accounts. These accounts were open when I was in XXXX XXXX ( XXXX ) .The credit card company closed the old cards and reopened new credit accounts and charged me for it. I provided a police report and a bank statement to the fraud investigator because she asked for it. The fraud department is now asking that I provide them with my bank account information to help them with their investigation. I asked for proof that they couldnt provide. 

I need all credit card accounts in my name with chase closed and removed from my credit file as I never applied for any credit card with chase. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
In XXXX, XXXX alerted me to fraudulent charges. I went onto XXXX and changed my password as they advised. A few days later, they alerted me again, and there were 11 total charges for the same merchant ( that were not made by me ). I opened a dispute with XXXX, and a few days later, they credited me for one of the charges but not the others. My credit card bill was coming due, so I called Barclays Bank and disputed the remaining charges. They credited all the charges back to my account but added some back on earlier this month and the remaining ones a few days ago. After multiple phone calls to XXXX and Barclays, I was told by XXXX that they could not resolve the dispute because they were still waiting to hear back from my creditor. Barclays says they added the charges back onto my account because XXXX confirmed they were valid. My credit card bill is due, and I do not have an extra $ XXXX to cover these charges. I have excellent credit. I do not want to ruin that, but what else am I supposed to do? I can't believe neither of these companies has been able to do something to resolve this issue.

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 monetary relief
Consumer complaint received 2016-06-28
Company: Premier Portfolio Group
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received and automated call from XXXX ( Premier Portfolio Group ) notifying me that if I did not call XXXX by the end of the business day, legal action would be taken against me. I called the number and spoke with XXXX XXXX. She stated that her client wanted to give me a chance to pay on a past due payday loan from XXXX before paperwork would be filed in XXXX XXXX County and I would be charged with Intent to Fraud and Malicious Intent due to the fact that the checking account I supposedly took this loan against was closed. 
I asked for verification of the debt and she could n't provide me with anything. She then stated that if payment arrangements were not made by the time we ended our call, she would notify her " client '' that I refused to pay and legal action will begin. She informed me that the amount owed was {$620.00} and if I did n't pay, there would be another {$1000.00} in attorney 's fees that I would be responsible for. She said I needed to pay by XXXX XXXX. I informed her I could n't pay anything until XXXX XXXX. She then offered a settlement amount of {$430.00} if I paid immediately. I again told her I could n't pay anything until XXXX XXXX. She then asked if I could pay anything on XXXX XXXX. I told her I could possibly make that work. She then transferred me to what she called a " secure line '' and took my debit card information. I later received and email with the payment arrangements listed on them and began to do more research. First off, the debt was from 2011 and the statute of limitations in California to collect a debt is 4 years. Also, the date noted on the payment arrangement notice listed that the date was taken out on XXXX/XXXX/2011. At that time, I was out of work on XXXX and due to that fact, would not even qualify for a payday loan. I did not return to work until XXXX 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: DTA GROUP LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have been receiving calls from a XXXX XXXX and several other names on my cell phone, work phone and home phone. They leave messages that they are looking for me and will file action against me, but do n't describe for what reason. I researched and found that they are locators for the DTA Group, a debt collection co., for Pay Day loans. I have never had a payday loan nor do I owe outstanding debts. I have a high credit score. One phone call even stated my ss number on the message. This harrassment has been going on daily for over a month.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05
Company: HW Holding, Inc
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Hunter Warfield, in response to my first CFPB complaint, presented incomplete verification and falsified statements ( claim that they provided me with signed documentation ) for my obligation and completely ignored the original problem which is their failure to provide me with proof that I owe this debt. I attempted to handle this matter via phone the first time it appeared on my credit report and was met with rudeness and unprofessional behavior. They failed to provide documents to me when I requested them over a year ago, removed the item from my credit report, THEN re-inserted it in XX/XX/2017. They have provided no proof that they complied with my request for validation and claim to " verify '' this debt via CFPB by providing an illegible copy of a contract from another creditor. At the bottom of a list of false charges from the original creditor, it states that the original creditor has written off the debt. Therefore, since I have signed no contract with Hunter Warfield, and the original creditor has written off the falsified charges, I have no obligation to pay Hunter Warfield or their inflated charges. In addition, they violated a cease and desist letter which clearly stated communication must stop and no damage was to be done to my credit report because they failed to prove my obligation and I do not owe this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: GA
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:
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.

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-04-29
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I paid for items on these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been adding money on to my account and it was not taken off yesterday XX/XX/XXXX. I was re-charge in the amount of XXXX, XXXX XXXX and {$23.00}. I reached out to customer service. I was hung up on. I asked for proof stating that the money was reversed to my account which it does not show on my transactions. I was told that my account was adjusted for the money that was not taken out. There is nothing showing that on my account, so when I added money to pay my insurance, cash app took {$100.00} out of my account without notice or without reasoning, I was unaware of any charges being reversed to my account. It has caused a hard ship because the money was for my rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02
Company: HW Holding, Inc
State: MI
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My name is XXXX, Hunter Warfield is a debt collection agency. XXXX are using them to collect a debt I owe. However they call my parents house daily now its twice daily. They have an automated service calling you can never speak to a real person. Plus they are listed on my credit file twice. I have paid them so far {$100.00} dollars and after I paid them the {$100.00} is when they started calling twice. I do not know why they are calling my parents number and not mine. Please help with this matter. I do not know what to do to get them to stop calling my parents. 
My email is XXXX phone number is XXXX I am on XXXX and XXXX at night so I sleep during the day, if I miss you call I will return it the next business day. 
Thank you very much for you help in this matter XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Accelerated Receivables Management, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company continues to call after providing proof of settlement of debt by my insurance company. The first letter stated I owed XXXX, I then contacted the company and faxed them my XXXX which showed my insurance paid the bill in full and disputed the claim in writing within the 30 day period. They then threatened to call my friends and relatives staying after reviewing the XXXX I owe XXXX according to the XXXX. I attempted to call the original creditor but they have gone out of business. They call several times a day harassing my family and friends.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested that American Capital Enterprises provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-02
Company: Accelerated Receivables Management, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the bill in XXXX 2015. I spoke to XXXX XXXX that told me that I needed to dispute it first so that you guys will send something to them and then they can take this off my credit. This is just ridiculous that I have to take all these steps to get it removed. I 've attached my receipts that XXXX XXXX sent to my email. The bill is paid in full.

Company response to consumer: Untimely response
Consumer complaint received 2016-03-19
Company: Credit Collections U.S.A., L.L.C.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was sent to the ER after a XXXX because of XXXX and XXXX after attempts by XXXX. He told me to go there to get an XXXX incase XXXX. This bill is for that visit and I feel that since the XXXX place put me in that XXXX I should not have to pay for said visit. It should have been taken care of in their office.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a XXXX XXXX account in XXXX. It was first reported delinquent in XXXX. The account was paid and should have been removed from my credit bureau in XXXX. ( 7 years after it was first reported delinquent. ) It is STILL showing up on my credit bureau in XXXX ... 13 years later. This needs to be removed from all XXXX credit bureaus ... Transunion, XXXX and 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 2017-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have disputed a bankruptcy public record on my account on 11 different occasions, most recently I even sent Transunion the following because A. If someone files bankruptcy in XXXX Indiana our Federal Court in in XXXX, NOT XXXX, I have never stepped foot into the XXXX Indiana Court, and secondly the addressed listed for so called bankruptcy is the the XXXX. The fact that is inaccurate is enough reason for it to be deleted in the first place, there is NO Federal court in XXXX, IN. 
INDIANA FEDERAL COURT-XXXX XXXX, IN XXXX XXXX This info is for the XXXX. XXXX XXXX XXXX , IN XXXX XXXX Another item is the XXXX , I do n't owe a balance and have repeatedly disputed and asked for PROOF of said debt to no avail with both transuion and XXXX, oddly this item was removed a few months back and put back on my 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 2018-11-03
Company: JPMORGAN CHASE & CO.
State: TX
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/2018 I noticed 3 unauthorized charges on my checking account. It was 3 separate transactions done at XXXX XXXX at XXXX XXXX  for {$720.00}, XXXX XXXX for {$560.00}, and at XXXX XXXX for {$760.00}. I checked my account at around XXXX XXXX that same day and upon noticing the charges I immediately called my husband to let him know what was happening. I also asked my boss to let me go down to the Chase bank down the street, he said yes. Once I got to the Chase branch they called the help line for fraud, they asked if I still had my debit card on me and I said yes, because I did and I showed it to the banker. I asked her how this was possible if I still had my debit card on me and she said it could be something called " skimming '' and she advised me to use my credit cards for all purchases from now on. I was told by the person on the phone that they could email me an affidavit that they needed me to return signed so that they could open the investigation. I agreed to having it emailed.Five days later ( XX/XX/2018 ) I had not received anything to my email so I walked into another branch where someone assisted me and they fax in the signed affidavit ( where I say that I am in possession of my card, and that NO, I have not given my pin to anyone else nor did I approve {$2000.00} in charges at XXXX XXXX ). I was assured that Chase would look at everything, and investigate thoroughly before making a decision on the claim. Today, XX/XX/2018, my husband ( who is a joint owner of the checking account ) received a letter in the mail saying that the claim had been resolved. We called the number on the paper, once we got someone on the line they told us that the claim had been denied. It was denied because the card had been used with the chip, and there was no incorrect tries entering the pin. I've asked if they can say with 100 % certainty that a chip reader was used, they wont tell me. My husband asked why does the checking account say that the transactions happened at a XXXX XXXX in XXXX XXXX, but when you click on it for details it says it's located in XXXX, TX which is actually almost 3 hours from where we live? I explained that I was at work the whole time with my card, while these transactions were happening and I have time sheets/location services that can prove it. They are still denying my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed XXXX tax liens on my trans union report several times they are released and paid { which i did not owe } i called the the state of West Virginia they told me that the credit bureau did not verify my tax liens because they can not give out that kind of information. These tax liens have hindered my credit report and me of establishing credit.they should have never been placed on 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