BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In XXXX, 2022, I applied for the federally subsidized, pandemic mortgage assistance program that was just started that month after finally being approved by the U.S Treasury Department. The program in my state, Georgia, is called the GA HAF and is administered by the Georgia Department of Community Affairs. I was then instructed when after I applied to contact my lender service provider, XXXX aka XXXX XXXX XXXX XXXX to request their participation in the program. In XXXX, 2022, I was notified by XXXX that they would agree to participate. I was approved for assistance in XXXX, 2022, and a payment was made to XXXX in XXXX, 2022. At the time I applied for assistance and notified XXXX, my mortgage was current and there were no past due payments. After beginning to participate in the GA HAF program, XXXX began to report my payments as past due for 30 days starting in XXXX, 60 days in XXXX, and then 90 days for XXXX, XXXX and XXXX. After payment was made to them by the GA HAF program in XXXX, 2022, they did not update my credit report to reflect payment until XXXX, 2022. The update now shows my payments as current, but they did not update my credit report regarding the 30, 60 and 3 months of 90 day past due payments. I disputed this with them and with the credit bureaus as it is my understanding that participation in any federal program for pandemic related mortgage assistance allows for credit protection under the Cares Act ; as long as you are current with your payments at the time you begin to participate in any program. I have disputed the incorrect information now being reported in my credit report with all of the credit bureaus based on this. The credit bureaus have contacted XXXX and are claiming that XXXX is refusing to correct my credit report. Please contact XXXX and request that my credit report is fixed and should have been protected by the rules of the Cares Act.

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 2023-08-19
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: Investigation took more than 30 days

Complaint:
attached is the CERTIFIED MAIL FROM XXXX XXXX. XXXX is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall 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 of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXXXXXX XXXX XXXX XXXX  Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX Open options Account # XXXXXXXX XXXX Open options Account # XXXX XXXX XXXX XXXX XXXX  Open options Account XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XX/XX/XXXX, XXXXThese accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: PA
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:
Greetings : It's been over 20 years of negative reporting on my credit report. 
The problem concerning this issue has to do with XXXX, which will not fix this problem. 

I'd requested information about the person that's using my name somehow and has a car in my name. I do not own a car and never have. XXXX was warned not to give nor share any information about my account using my SSN at anytime. They are not authorize to do so! 

I would like the head of this company or any other legal personal to look into this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: Netspend Corporation
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I made a purchase on XXXX a.k.a XXXX XXXX expecting to receive my merchandise in return. However merchants never sent my merchandise and took my money for fraudulent purposes of person gain. I disrepute this matter with my banks nothing this has caused serious problems of my funds been low as well as fee with my bank. 

XX/XX/XXXX XXXX  confessed and refunded my funds which caused my funds to be low and access fees However netspend is engaging in this fraud and leaving all fees related to this matter from XX/XX/2017 and the present. 

I contacted net spend and followed the chain of command of speaking to the supervisor and manager noting this fraudulent activity in I shouldnt be responsible for fees involving fraud netspend refuse to assist leaving multiple fees on my account

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 2017-06-08
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: Personal information incorrect

Complaint:
I was unable to dispute these new claims online with  XXXX . I was not allowed access using my credit report number. I did not request any personal statement. The personal statement " FILE FROZEN DUE TO STATE LEGISLATION. '' I want removed.     I want the  XXXX   XXXX  account that was closed in  XXXX  removed as well as the negative statment " This item was updated from our processing your dispute in  XXXX   XXXX .     I want the  XXXX   XXXX    XXXX   statment in the comment section removed : '' Account previously in dispute-investigation compelte, reported by data furnisher. '' These claims paint me in a negative light when I work very hard to keep my credit information pristine and accurate. Why does  XXXX  make it difficult or impossible to dispute and access my credit report online using a free 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 2022-01-10
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: Account information incorrect

Complaint:
XX/XX/2021 I opened a case with the federal trade commission regarding some vital accounts and information associated with my credit report that was inaccurate. XX/XX/XXXX i proceeded to reach out to all 3 bureaus as well as directly to credit furnishers and all documentation was mailed out certified mail XX/XX/2021. Under the FCRA Act they were given 30 days to update all associated information and it has yet to be done. My next steps will be to affiliate the courts and also seek out compensation for the damage they are causing to my daily life. I am unable to move forward due to the fraudulent information they have yet to update. I have both the police documentation and identity theft report number as well as USPS certified mail tracking numbers ensuring they received these documents and still failed to update the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have been repeatedly solicited by American Express over the past two years. I have filed numerous complaints and spent multiple hours remedying the situation. I have filed complaints with the XXXX XXXX and the FTC. American Express repeatedly ignores my requests. I would like to file a lawsuit in federal court for tort and negligent infliction of emotional duress. I have asked to many times to not be contacted. I should be immediately compensated for damages and injury caused by American Express

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband was a  XXXX  vet and we have been married 20 years. He refinanced the home and assured me that if he died I 'd have no problems with it because my name is on the deed. When I sent  Ocwen loa n servicing the death certificate and a legal inheradence paper they still would not put my name on the title. I have never been late and my name is on the taxes for the home but they send the bill reading the estate of  XXXX   XXXX . I told them to put my name on it now. I have a paper with a notary signature of inheradence. That they asked for and I sent it to them. What should I do. I 'm a widow and I ca n't afford lawyers to help me. I just want to make sure the home is done right so I can make out my will. I am currently on payments and lived here for 20 years

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 2021-04-29
Company: First Credit Services Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is in reference to the fraudulent transaction that was concocted by XXXX XXXX for alleged unpaid gym membership. My children and I have not been to this gym for more than 13 months. I was a member along with my children of XXXX XXXX. We paid on a month to month basis and all dues were paid. On XX/XX/XXXX, I sent an email to the manager to put a freeze to the account due to coronavirus restrictions. Exhibit 1. ( XX/XX/XXXX email ). 
I received an email on XX/XX/XXXX from the manager saying that even though my family and I were not using the gym and there was a nationwide shut-down due to coronavirus that the accounts will still be charged and will be refunded. ( Exhibit 2, XX/XX/XXXX email ). 
That did not make sense to me. I objected to it and responded that I had not been to the gym for almost a month and I requested again to have my account frozen. ( Exhibit 2, XX/XX/XXXX email ). 
On XX/XX/XXXX, I emailed the manager again as there had been a {$100.00} charge on my bank account even though I had not used the facilities. I asked again for my account to be frozen until XXXX or when it was safer for me to use the facilities. I disputed the transaction and asked my bank to refund the money which it did. ( Ex. 3 XX/XX/XXXX email ). 
Then on XX/XX/XXXX, I received a letter from a credit reporting agency, XXXX XXXX XXXX XXXX XXXX notifying me of an alleged amount of {$1200.00} that I owed XXXX XXXX of XXXX XXXX. ( Exhibit 4 ) .This was a shock to me as I had never once received any bills at my home of any such dues. Believe me, it would have been disputed had I received one. 
I do not owe any money to the XXXX XXXX. I and my family have not used the services since early XX/XX/XXXX and all our monthly dues were paid up until then. 
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have disparaged my name and ruined my credit based on a fraudulent Business Practice of billing unsuspecting gym members to scare them into paying them for services that were not used. 
This is an unfair tactic and a fraudulent Business Practice and constitutes harassment. I am being harassed for an amount that I do not owe and my name and information have been sent to the collection agency and to the credit bureaus thereby ruining my credit and my standing with other creditors. 
I am demanding a retraction that states that XXXX XXXX made an error in reporting my account to the credit bureaus and for a retroactive fix to my credit for all the months that were affected during this period and I want this debt to be eliminated. This retraction should be sent to the three credit bureaus with a copy to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Synovus Bank
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: Account status incorrect

Complaint:
I have a credit card from 1STPROGRESSXXXX, and I have always made my payments on time. After being alerted that there was a late payment on my credit report, I called 1STPROGRESS/XXXX/XXXX  and was informed that there was a mistake in their billing system which had resulted in a 30-day late payment on my credit report. 

As it turned out, by the time the billing issue was resolved, a second 30-day late payment had been placed on my credit report. This billing mistake resulted in me being 60 days late. 

It's important to note that my payment history has always been perfect and on time. I reached out to XXXX, XXXX, XXXX, and 1STPROGRESSXXXX, but unfortunately, I have been unable to obtain a satisfactory resolution. Both XXXX, XXXX, and XXXX have reported me as 30 days late for XX/XX/XXXX and XX/XX/XXXX, which is caused by the bank 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX/22 I received check # XXXX in the amount of {$1000.00} as payment from XXXX XXXX XXXX, XXXX. On XX/XX//22 I deposited said check to my Chase checking account via my mobile app. 

Moneys in the amount of the check were never released into my account and on XX/XX//22 Chase closed my checking account because they couldn't verify the funds from CHeck # XXXX which I tried to deposit check into. Upon contacting chase I was told that the check was flagged for fraud and that it was being held in a chase reserve account that I do not have access to. 

I contacted Chase Bank both in person and via telephone countless times and have not been provided a solution. Chase states that they need a verified phone number and all the numbers I have provided them doesn't match what they have in their system. I'm quite perturbed since the numbers I provided Chase with has been used for XXXX XXXX XXXX, XXXX well over 15 years and can be found on the companies website as well. 

I have been told by Chase there is nothing more that I can do because the Fraud department doesn't speak to anyone or accept emails. XXXX, the representative I spoke to on behalf of Chase ( stationed out of a call center in Texas ) also mentioned that they can hold the funds up to two years and then the funds will be released to the state. 

I've also discussed with XXXX XXXX, XXXX of XXXX XXXX XXXX, XXXX, the company retracting funds, however, because of the funds clearing, she was unable to grant my request. 

Attached please find the cleared copy of the check - on behalf of XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, XXXX. Also attached is the correspondence XXXX presented Chase with. 

Please let me know if you need any other verification or documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: AMERICAN EXPRESS COMPANY
State: MA
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'm a victim of Identity theft. 
AMERICAN EXPRESS Also known as AMEX Account number XXXX {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted National credit systems on multiple occasions I have provided them police report. Copy of ID and FTC identity theft report, my lease utility bills also to their email as requested at identitytheft @ nationalcreditsysyems, XXXXnationalcrediysystems.com and XXXXnationalcreditsysystems.com. I call daily and are advised that the creditor verified debt by my sane ID no one is reading the police report to see that my whole purse was stolen with my identification so I expect that but I do not know what else to do this was not me I have never lived in XXXX XXXX XXXX XXXX XXXX please investigate this read the police report and remove this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Harley Davidson Financial Services 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:
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 instruction 15 usc 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: JPMORGAN CHASE & CO.
State: OR
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Chase Bank repeatedly offered me deferments, while also reporting my account as further past due than it was, did not address my issues, lied to me repeatedly and while leading me to believe I had, yet again, been approved for a deferment, sold my loan to a third party, who are now attempting to foreclose. When I have, repeatedly, sought to resolve this with them, I have received completely deflecting answers, they now refuse to communicate with me further. When I asked why I was repeatedly offered deferments that I relied upon in good faith, I was ultimately told, " our system was new, so it made a mistake ''. This does not absolve them of Promissory Estoppel or Duty of Good Faith and Fair Dealing. Plus, I relied on this and took no action, until I attempted to resume payments, because I was acting in good faith. They were not, they lied to me during the collection process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please provide Proof of debt with an original signed contract. If you can not provide an original contract with the signature of the purported debtor, this account should be deleted, as it is not mine & this debt can not be truly verified by any other means.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: FAIR COLLECTIONS & OUTSOURCING, 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 status incorrect

Complaint:
Fair Collections & O is showing a leasing management balance of {$5900.00}. I vacated the rental property address : XXXX XXXX XXXX, XXXX, SC, XXXX managed by XXXX in 2016. I have never received a statement with any itemization of damages or fees, etc. The South Carolina Residential Landlord and Tenant Act, ARTICLE 3, Landlord Obligations, SECTION 27-40-410. Security deposits ; prepaid rent states : ... Any deduction from the security/rental deposit must be itemized by the landlord in a written notice to the tenant together with the amount due, if any, within thirty days after termination of the tenancy and delivery of possession and demand by the tenant, whichever is later... 

Because they failed to provide the written documentation the fictitious charges need to be removed.

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