BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loan has gone to MOHELA, the company is trying to say I don't qualify for a burrowers debt relief. When the trade school I went to closed due to fraud. I have a newspaper article naming the school I attended and information proving the school was under investigation and that several schools, owned by the same company went bankrupt and was sued. MOHELA is claiming that there records show that I went to XXXX, which is an XXXX program that started in 1986. The records for my school are incorrect and now MOHELA is no longer offering assistance in fixing this issue. The name of the Trade school I went to was called XXXX XXXX XXXX. It Closed in Dec.of 1986, MOHELA Is aware of this incorrect information and was giving me the original school name until I refused to accept a loan forgiveness that requires me to pay {$900.00}. 
Untill this school confusion is resolved I will not be able to apply for the proper forgiveness. And shouldn't my loan company be trying to help me? Not, themselves?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Chase does not accurately communicate the XX/XX/XXXX rule between their own departments... marketing constantly in late XXXX snail-mailed, and bombarded me with social media ads to upgrade my legacy XXXX Chase Business Visa card XXXX which does not show up on any personal credit reports ). When I called to upgrade, they said on XX/XX/XXXX to cancel my legacy business Chase SWA card, wait a few weeks for the credit bureaus to update and then reapply... but I was denied. 

Apparently, business cc 's and store lines of credit ( like XXXX ) do count against consumers. This is not disclosed. 

Please help hold Chase accountable so they will make it right. 

Warmly, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: JPMORGAN CHASE & CO.
State: MI
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:
Any bank accounts opened after XXXX And XXXX, which closed my account and never cashed my {$1300.00} check I deposited mobile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems did not adequately resolve my last complaint. The XXXX XXXX XXXXXXXX XXXX refused to accept a subletter that I had found that met all requirements to " mitigate damages '' to a lease I was claimed to owe money towards, as in, I had found an individual that was willing and prepared to accept all debts claimed by The XXXX XXXX  XXXX XXXX. This was following their own mitigation of damages, in which they found an individual to move into the unit I was claimed to have been assigned. Because they mitigated damages to the unit I was claimed to have been assigned to, and because they refused to allow me to mitigate damages on a supposed alternative unit, I have no obligations of payment and the debt is invalid. 

To substantiate these claims, please refer to original communications attached. 

One series of communications was with an individual named XXXX XXXX, who would have been my roommate in the unit I was claimed to have a lease for. It was only through this individual did I discover that The XXXX at XXXX XXXX had themselves mitigated damages. The XXXX did not communicate this to me at any point beforehand. This affirms that they themselves successfully mitigated damages. 

The other series of communications was with an individual named XXXX XXXX. These affirm that I successfully found a subletter to mitigate any damages I would owe towards the supposed alternative unit, that The XXXX at XXXX XXXX refused to share the unit number, and therefore refused to allow me to mitigate damages. 

The information I've provided here, including direct evidence that I've worked in good faith with The XXXX at XXXX XXXX to mitigate damages but they refused it, demonstrates that they've acted inappropriately and coercively. It is especially shameful, given I was a poor college student, working 2-3 jobs and donating XXXX XXXX weekly just to make ends meet. 

A speedy resolution with the complete removal and total expungement from my credit reports of any collections and derogatory marks stemming from claims made by the XXXX at XXXX XXXX XXXX or National Credit Systems .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Spring Oaks Capital, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt was on my credit for 7 years, it came off and 4 months later this company came out of nowhere and resubmitted this as debt to my credit report. I never got any notice from them about this debt. Also the debt was over XXXX XXXX XXXX and already fell off the account. They are also not licensed in New York to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call from a woman who said she works for Portfolio Recovery Services. She identified me by my name and birth date and stated she was attempting to collect a debt. I informed her that I don't have any outstanding debts and that I was immediately disputing whatever the company thinks is owed. The woman then went on a long monologue about how items can affect my credit, etc. and asked me again if I was disputing the debt, to which I said, " Yes, I'm disputing this! '' I told her again that I don't owe any companies any money and that I have no outstanding collections. 

I then asked her what debt it is that they claim I owe, and the woman said it was for an account at XXXX XXXX. I informed her that I have never had any type of credit card or store credit from XXXX XXXX. I then asked her when the debt was supposedly charged and she said XXXX! After this statement I said " You've got to be kidding me! '' and I disconnected the call. 

The woman called me from XXXX at XXXX XXXX EST on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : 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 2023-08-24
Company: EQUIFAX, INC.
State: TN
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX XXXX XXXX XXXX  Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may  be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: SUNRISE CREDIT SERVICES, 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:
Today, in checking a credit card balance, I discovered fraud on my credit reports. I found that there was an unpaid balance of {$1500.00} with Sunrise Credit Services, XXXX XXXX XXXX, XXXX NY XXXX. Phone : XXXX. This account was sent to collections and is showing a negative reflection with all 3 credit reporting agencies. My credit score, which is always in the 800 's, is now around 710 due to this. I immediately contacted Sunrise Credit to inform them I had no knowledge of this transaction and did not make it. They took all of my information and indicated the account was closed sometime this year. They advised me that the account was initially opened sometime in the fall of XX/XX/2021, with XXXX XXXX XXXX XXXX. The date of first delinquency was XX/XX/2021. An unknown person used my social security number and name to open this account. The address used by this person ( s ) was XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NY XXXX. I have no knowledge of this address or anyone living there. Sunrise Credit is mailing me a packet to complete to pursue this. I am in the process of filing a police report as well. I have also filed disputes with all 3 credit reporting agencies as well. I want this transaction removed from my credit reports to reflect my true outstanding credit. I have absolutely no knowledge of this transaction and am asking for assistance rectifying it.

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 2021-09-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I did not consent to this negative and inaccurate to appear on MY credit/ consumer report. Please remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 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 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 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 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 2023-08-26
Company: Affirm Holdings, Inc
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These 3 personal loans XXXX, XXXX. XXXX were open fraudulently by Affirm and were sent to XXXX XXXX for collection. 

XXXX XXXX never contacted me either via email/mail/phone to try to solve the issue but sent the accounts straight to collection causing and extremely negative impact on my credit reports and employment. 

I submitted a police report and a complaint with the Federal Trade Commission to XXXX ( credit report agency ) but nothing has been done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CAPITAL ONE XXXX XXXX  has Violating my rights I had reported this with the credit bureaus and is still remain on my credit for this is identity theft I did not open any accounts and this is causing problems in my life i have. Filed a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Transunion has lied multiple times about this bankruptcy reported on my credit file. This time I caught them with proof of them lying and sent the proof asking them to delete they sent a letter back saying the item was updated its against the FCRA and should have been deleted not updated there proof and verification process was not done accordingly and was lied about being verified as the court does not verify public records which I have a letter from them stating. I want this deleted from my credit report immediately. I do not want to get a lawyer involved unless I absolutely have to. This is unfair that this is how they do business I want everything included in this bankruptcy deleted I will attach the letters and proof of what I sent them and what they sent me also on the response back they didnt verify the other accounts within 30 days that I disputed

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 2021-03-16
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I hold a mortgage with Atlantic Bay Mortgage for a condo located on the beach. As part of my home owners insurance, the condo association maintains flood and wind-driven rain coverage for the entire building. 

I was contacted last fall by Atlantic Bay Mortgage or their agent and asked to provide a copy of the flood insurance policy. The notice indicated that if I did not have flood insurance, they would purchase it for me. The insurance agent faxed over a copy of the policy within the required time to the fax number provided. However, Atlantic Bay ( or their serving agent ) proceeded to purchase Flood insurance on my behalf at a cost of over {$8000.00}, which they then immediately removed from my escrow. 

I called several times to resolve this issue. I was told that they could not see the insurance information correctly because it had been faxed rather than uploaded via a QR code. ( Again, it was faxed to the number that they had provided in their initial instructions ). 

After several phones calls, they finally confirmed that they had the information and that they would : ( 1 ) cancel the flood insurance retroactively and ( 2 ) return funds to my escrow account.

However, instead, my next statement showed an increase in payment due from approximately {$1600.00} to over {$3200.00}. This increase was related to the escrow amount that had not been returned.

Once again, I called Atlantic Bay Mortgage in midXXXX and asked for the situation to be corrected. I was assured that they would correct it no later than XX/XX/XXXX and that my payment due XX/XX/XXXX would be for my normal amount ( approximately {$1600.00} ). At that point, I had little faith in the company and asked the agent on the phone to make a note to my account that they were not auto-draft the incorrect amount of {$3200.00} on XX/XX/XXXX. 

However, they did in fact deduct the incorrect amount from my account. As of today, XX/XX/XXXX, my XXXX statement continues to show the incorrect amount. 

Not only that, but I have now received a second letter asking for verification of wind coverage ( which was included in the policy that was faxed to them in fall ). This second letter also indicates that they will purchase coverage on my behalf if they do not receive the confirmation ( which they have already had for several months ). 

Attempts to contact AB Mortgage result in long hold times, difficulty reaching a person, and their inability to resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
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:
XXXX ; XXXX and Transunion are incorrectly reporting the XXXX account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming my credit score. Please update to report accurately 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 explanation
Consumer complaint received 2023-07-16
Company: Experian Information Solutions Inc.
State: VA
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:
Experian has been intentionally altering my credit report to reflex negatively when I dispute an account. I have sent an identity theft report, a police report and several disputes. Experian has violated my FCRA rights as a consumer several times. I have sent several demand letter and they have refused to correct my credit report. A fraudulent credit card by XXXX XXXX XXXX XXXX was placed on my credit after gaining access to my file after Experian and mixed my credit file with someones elses. I called the creditor to explain the situation and close the account. After the account closure I began seeing several late payments pop up and the reporting data is inaccurate and suspicious because that information isnt being reported on other credit reports. These are malicious acts from Experian. I started to notice I would get emails from Experian stating I needed to send more documentation but I had already sent those forms or if sent a police report the email would state they need the full report which it was. The last time I contacted Experian I asked when will my dispute be completed they informed that day was day 1. Then I asked about why do I keep getting emails about uploading documents I already sent to the customer service person informed that every time I upload documentation my dispute starts over. So I realize it was a tactic Experian is using. Experian has refused to remove the inaccuracies, I requested proof of debt which they cant provide, there actions are malicious and intentionally. They just reported the account as 90 days late but it they also reported the account 30 days late 3 times, then 60 days then 90 days. It changed from 30 day, 60 days to what being reported now. I have informed Experian that if they continued these tactics I would seek monetary damages in Federal court. I included my XXXX report to show that it was reported by XXXX XXXX that my financial responsibility has been terminated and there is no longer a balance. I also forwarded that information to Experian and they still continue to report inaccuracies on my credit report. 

Im addition XXXX has failed to even dispute my claims. They were sent certified dispute at the same time as Experian. XXXX doesnt allow me access to my credit report directly through there site. I also attached proof of certified mail regarding my dispute which included a detailed dispute a copy of my Drivers License, SS card and police 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