BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-26
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I HAVE A DISCOVER XXXX CARD AND I'VE MADE PAYMENTS TO VIA PHONE PAYMENT FOR MANY YEARS WITHOUT A PROBLEM ON XXXX XXXX I SUBMITTED MY PAYMENT OF {$340.00} AS USUAL ( VIA PHONE ) WITH MY XXXX XXXX ACCOUNT THAT I HAD ON FILE WITH DISCOVER FOR YEARS, BUT THE PAYMENT WAS NOT COMPLETED.I WAS UNAWARE OF THE ERROR.I NOTICED THE 30 DAY LATE PAYMENT ON MY CREDIT REPORT IN XXXX OF XXXXI NEVER RECEIVED A PHONE CALL OR EMAIL STATING MY PAYMENT WAS NOT COMPLETED. I REACHED OUT TO DISCOVER A NUMBER OF TIMES TRYING TO REMOVE THE NEGATIVE REMARK ON MY CREDIT ON MY CREDIT REPORT WITHOUT SUCCESS.I WAS INFORMED THROUGH ONE OF MY NUMEROUS CALLS TO DISCOVER THE PHONE PAYMENT PROCESSING SYSTEM WAS UPDATED AT THAT TIME.AS RESULT THIS MAY HAVE BEEN THE REASON MY PAYMENT WAS NOT COMPLETED AS USUAL.AFTER SPEAKING WITH SEVERAL DISCOVER REPS THEY INFORMED ME THEY COULD NOT REVERSE THE NEGATIVE REMARK ON MY CREDIT REPORT.I WAS NEVER LATE OR MISSED PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Receivables Performance Management, LLC
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:
Approximately 10 months ago I canceled my contract with XXXX  and waited for them to send me a box to return my equipment. It took several months for them to send the box. In the meantime I got XXXX. I did not realize XXXX was still charging me monthly and I paid for several months. When I finally received the box I sent back the equipment. I then received a notice that XXXX reported me as late to the credit bureau and the account was in collections. I called XXXX and was told they could not find my cancellation but was also told that they saw that I had voluntarily ended the contract. This being reported to my credit bureau has dramatically reduced my score. 

I contacted RPM and explained the situation. I have been speaking with somebody for a week and I was now just told by email that it will take them a month to follow up. This is longer than legally should be and is really harming me because I am in escrow. I am about to buy a home I have saved up money for and it will be in a very safe neighborhood. I am going to be XXXX XXXX XXXX Ive been XXXX  for 18 months that has health conditions and its important for me to get him into a very good school. I just put down a deposit and now this is showing up on all my reports and I will lose this house and likely the $ XXXX for a deposit over a {$170.00} bill that I should never have received.

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 2020-11-23
Company: Northtown Capital Services Group LLC
State: TX
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:
Company : Northtown Capital Services Group LLC Representative : XXXX XXXX XXXX XXXX : XXXX Company Phone : XXXX Issue : Repeated calling, calling relatives and associates, calling after being told to send correspondence by mail, refusing to identify the organization calling Hello, I have had repeated calls from relatives stating this person from this company has been calling and asking to verify information about me. This is a direct violation of the FDCPA. I have received a phone call myself and told this person I would not verify who I was until I knew to whom I was speaking. This person stated they would not do so because it was a " private matter '. I then told them to send any correspondence to any address they had on record and to not call me any longer. They immediately proceeded to call any person with whom I have associated asking for verification on my whereabouts and contact information. This is a second violation of the FDCPA. I have never done business with this company and to my knowledge have no outstanding debt with them or anyone else at this time. 

Please send them a cease and desist order for phone calls. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
open Wells Fargo credit card

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 2019-08-26
Company: JPMORGAN CHASE & CO.
State: MD
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:
Hello - I applied for a credit account with Amazon and was denied credit. I subscribe to XXXX credit reporting services,, so I was notified immediately that a hard inquiry had taken place by " Chase Card '' and that the company had pulled my credit report. Okay, so I understand that. This was on Friday, XX/XX/2019. I did not apply for credit following that. Imagine my surprise when I got another alert on Saturday afternoon, XX/XX/2019. The alert said that " JPMCB Card Services '' had pulled my credit report ( another hard inquiry ). I immediately looked up JPMCB and it said it was a Chase company. I looked up customer service so I could find out what was going on and was told that no one is available in credit reporting on the weekends - only Monday- Friday. I was understandably upset as I had not applied anywhere on Saturday. What if someone was attempting to obtain credit under my name, I asked? I was told that they still couldn't help me since it was the weekend. What kind of company in this day and age of security breaches does not have someone available on the weekends? If credit is able to be pulled on the weekends, someone should be available on the weekends to assist should there be an issue. I still have no resolution nor any indication of why my credit would be pulled when I did not ask for it to be, particularly when it was an additional hard inquiry and I do not have an account with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: AR
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 was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$63.00} XXXX XXXX XXXX {$130.00}

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 2018-04-07
Company: Experian Information Solutions Inc.
State: KY
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:
On XX/XX/2018 I contacted Experian and asked about a their method of verification for a previous disputed bankruptcy being reported on my credit report. The representative informed me that she could initiate a dispute and I would receive a new credit report in the mail. I received the new report with no bankruptcy listed. On XX/XX/2018 I signed up for a credit monitoring site and noticed the bankruptcy had been re-added. I have not received any notification, as the FCRA laws state any reinsertion requires notifications to the consumer within 5 days. On XX/XX/2018 I have contacted Experian by phone to inform them of this issue and spoke with two different representatives. The first representative informed me that it was a computer error ; which is not true. The second rep named XXXX told me the courts notified them, which the court does not notify the credit bureaus. Then he went on to say they use a 3rd party but would not reveal who that is. Although I am aware that the 3rd party used is XXXX, from previous conversation with the credit bureaus. I was told I would need to dispute the inaccurate information with the furnisher. XXXX has sent a correspondence via email in regards to that dispute on XX/XX/2018 as well as a phone conversation confirming that entry has been deleted. They could not verify this inaccurate information within the required timeframe and are sending the results via mail. This email states XXXX has no role in determining what information relates to which consumer. Therefore they are NOT verifying or validating this information for the credit bureaus either. 
Experian has associated accounts and tried to match them with this bankruptcy that's listed. I have sent in documentation showing these accounts were paid and not negative accounts. 
Experian has violated my rights, saying they are " verifying '' inaccurate information and placing it back on my credit report with no notifications.

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 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$63.00} XXXX XXXX XXXX {$130.00}

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
- NO RESPONSE TO DISPUTES - FAILURE TO INVESTIGATE - FAILURE TO PROVE OWNERSHIP - FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XX/XX/22, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

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 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 and Transunion are reporting incorrectly a collection in the amount of {$1200.00} on the XXXX. XXXX, XXXX, ( original creditor : XXXX XXXX  ) account number XXXX. ( Please see page 5 attached from my credit report. ) This account has been paid in full and should not be reporting on my credit report. XXXX XXXX, XXXX, and I had an agreement that when I paid this account off, they would request a deletion of this item with the reporting bureaus. This incorrect reporting of a collection is harming my credit score and this line item needs to be deleted. I have contacted the ( 2 ) bureaus to remove this line item however, I have not been successful.

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 2021-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received an EIDL loan in XXXX for {$8000.00} to my personal checking account that was approved to me as an XXXX XXXX XXXX XXXX. At the end of XX/XX/2020 Capital One restri cted withdrawals and on XX/XX/2020 withdrew the entirety of my account of {$4800.00}. Numerous phone calls to capital one have not resolved my complaint nor justified their actions based on s uspicions of fraud. Capital One told me they sent the funds back to the SBA to which SBA do no t have any receipt or record of. Numerous attempts to call capital one to tell me where the funds have gone are unresolved. Please help mediate and find where capital one did with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: AR
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that 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.

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 2022-01-07
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX XXXX I was going over my credit report and I noticed that there are a few late pays the are showing 30 days. My income was impacted by the Pandemic Shutdown and I was looking to get some accommodations under the CARES ACT to help protect the integity of my credit. I was needing my following accounts to refected a current status due to the impact of COVID-19 : XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). 

I have addresses showing that do not belong to me. I never lived at these addresses please XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2020-11-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

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 2021-02-24
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to initiate a partial release for over a month and roundpoint refuses to start the process. On their application for a partial release it explicitly states that the consumer is to NOT order their own appraisal. 
Now, they're telling me they won't order an appraisal until they have a sales contract. I can't sell the property until I know how much it is worth and therefore need an appraisal. 
My customer care advocate XXXX XXXX Customer Advocate XXXX XXXX Ph : ( XXXX ) XXXX will not return my calls, voicemails or emails. 

I have every right to pursue a partial release of my property. Roundpoint Mortgage 's failure to even start the process has now cost me a month of my time and we are no closer. They are holding my mortgage hostage at this point and something needs to be done. Please help!

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 2017-09-14
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 fraud alerts or security freezes

Complaint:
Credit freezes should be free after a company that uses my information as a product for personal gains with no recourse ends up leaking all of my info that I have no way to secure or opt out of.

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 2020-09-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The loan officer XXXX XXXX ( NMLS # XXXX ) with PennyMac Loan Services , LLC is not responding to my emails, phone calls for the past 10 days. I have provided all the documents he requested but now I have no idea what is happening with my refinance application. This I think is very irresponsible that you ask a customer to bend over backwards and provide all that is needed and you just disappear! As a consumer I feel violated as I did my part and this guy has no courtesy to even respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: OH
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 XXXX  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 2019-02-20
Company: Experian Information Solutions 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:
XXXX XXXX received a cease and desist concerning an account that was improperly and inaccurately reported and closed to my report to assist in harassing and stalking me. The accounts were removed on two different occasions after receiving correspondence concerning the cease and desist order from the attorney. They have begun to try and report it again without my knowledge again the cease and desist order. The accounts need to be removed again from all reports, and they are not authorized to do anything with my credit bureau reports for any reason. I dealt with their unethical business practices once before, and will never use their services again for any reason. My next action is to sue.

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