BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian is not reporting that I have a revolving installment secured XXXX XXXX. I want this problem corrected so that my credit score will reflect as much.

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 2021-08-05
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 XX/XX/XXXX I was cornered by a man at my Chase bank ( XXXX XXXX XXXX, XXXX, NY XXXX ). The man had a check of {$700.00} that he told me to deposit into my account so that he could get the cash that he needed. I told him to speak with the chase office but they weren't open. I was alone and felt scared so I did as I was told. The check went through and the funds were available in my account and I gave him {$500.00} cash and was told to transfer the rest via XXXX. On XX/XX/XXXX, my account went to the negatives as I was charged the {$700.00}. I explained the bank, customer service, and fraud dept. but they turned my case down. We were able to deduce that the check was associated with XXXX XXXX and deemed altered. XXXX XXXX then returned the money from the check to the original check 's owner. They claimed they wouldn't be able to do anything without the owner 's permission. I have been trying to contact the owner but they were not picking up my calls. They read my message and accepted the XXXX transfer. Chase contacted XXXX XXXX today and XXXX XXXX refused to return the money. So my account has been withdrawn and the person who deposited the check into my account has the money in their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Shellpoint Partners, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez Servicing currently services my residential mortgage loan. On XXXX, I paid off the loan in full and received an informal acknowledgement of that fact. However, I have not received any formal documentation showing the mortgage release. Secondly, XXXX, XXXX, and XXXX all show that the mortgage loan is still open with a balance. On approximately XXXX, I called NewRez Servicing to get this corrected. After an extended hold, I spoke with a representative. She stated that they had already sent a mortgage release letter ; however, I never received it. She stated that she would send a second letter. As of today, XXXX, I have not received that documentation. 

I also told her that my credit bureau information had not been updated to show that my mortgage had been paid in full. She connected me with another representative. He stated that he would have this corrected. As of today, I still have not received any documentation from NewRez showing that the credit bureau information has been updated.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/XXXXis not reporting that I have a revolving installment secured XXXX Visa. I want this problem corrected so that my credit score will reflect as much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$1700.00}, {$0.00}, {$21000.00}, {$1000.00}, {$670.00}, {$840.00}, {$2900.00}, {$1000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$670.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not 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 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them immediately. I am not a credit repair company nor am I a mortgage company.

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 2019-06-17
Company: EQUIFAX, INC.
State: SC
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: Didn't receive services that were advertised

Complaint:
I have equifax identity theft restoration assistance.The website states that you should call the XXXX if you suspect your a victim of identity theft and they would help you restore your identity.But they told me that they would not set the product up and after arguing about 20 minutes to a 30 minutes just to get the manager to allow them to let me purchase the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX and XXXX XXXX XXXX is being reported as a medical debt owed. However, no such debt is owed due to my insurance paid the original creditor. Also, I was not given notice that I owed a medical debt. I seen this on my credit report for the first time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AR RESOURCES INC Original creditor : XXXX XXXX {$2400.00} This was removed from XXXX XXXX but not from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX, XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 171 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked, removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: FL
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:
This account is not mine, and I ask you to remove immediately this item from my profile as I can not have the item that is not mine. I am victim of identity theft and I do not want to have it. Its killing my profile and why do I need to suffer because of the fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/2018 I sent a certified with return receipt letter to National Credit Systems to Cease and Desist contacting me. I also included a check for the amount of {$490.00} as that is what the ledger states that I owe from the original creditor. I also provided my new address. After a month of not hearing from the company and noticing the check that was sent to them had not been cashed I contacted them directly. They stated that I owed {$4900.00} and that they mailed my check back to me, which I have never gotten back. 

They now continue to call me repeatedly throughout the week and leave voicemails and I will not answer there calls. This is why I am filing the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: EQUIFAX, INC.
State: AL
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:
XXXX  is reporting a negative account on my credit file from XXXX XXXX/XXXX XXXX that I have never had. I pay all my bills on time and my credit file has been damaged because of this account that is not mines on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX is reporting a negative account on my credit file from XXXX XXXX XXXX that I have never had. I pay all my bills on time and my credit file has been damaged because of this account that is not mines on my credit file.

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 2020-11-12
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Due to unemployment ( due to Covid19 ), I request payment assistance several times on my Macy charge. Rather than provide deferred payment assistance, Macy 's checked my XXXX credit and decreased my credit limit on XX/XX/XXXX while my account was in a payment deferred status. I requested payment assistance again in XXXX, but it was denied without any option available to assist with payment. Please note that I've never been late on any credit cards including the Macy 's card until Covid19 led to the closing of my company. I've attached a letter that I received from Macy 's after requesting payment assistance and the email reply from Macy 's denying payment assistance in 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 2020-11-12
Company: Credit Karma, LLC
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:
I am a victim of identity theft. My social security number is XXXX. I recently learned that my personal information was used to open an credit karma account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that credit karma me of all charges on the account, and that credit karma take all appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Aargon Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Trying to collect a debt that is not mine. I have never opened service with XXXX and address that is on file. I have have had a fraud alert on my account for over 5 years. Also I have no business with the agency trying to collect debt.

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 2019-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Ive been a member of this credit card for over 15 years. I was assigned abroad in a third world country for over and year and just came back to see my card has been cancelled by the credit grantor for no reason. I have never had any late payments and always paid the the full card off every month until I was not able to use it for that year abroad. Now I am stuck without my main credit card. I am being treated unfairly and do not wish to have another one opened as their customer service suggested but have my original one reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX XXXX repair with a new radiator.Somehow they got coolant in engine which blew the engine. this occurred XX/XX/2018. I continued to pay my car note 2 more months. then i filed a gap insurance claim which was denied. the claim was denied then they cancelled my insurance. Chase Auto repossesion of my car then sold it without notice or authorization.They mailed me a letter after they sold my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: Resurgent Capital Services L.P.
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:
Hi, I ask the help of CFPB with the above creditor. XXXX and XXXX have stated that this account is accurate, yet both bureaus have not provided me anything. I have even sent a letter for VALIDATION First letter was sent out on XX/XX/2019 Second attempt has been sent at the beginning of XXXX, both letters I have sent and all I receive from the company are statement trying to collect a debt ( not mine ) these statements do not show anything and are not documents accepted as validation, so how is it that XXXX and XXXX are validating this account. I believe the bureaus are NOT validating anything and not properly investigating. XXXX and XXXX have closed my dispute and will no longer investigate ; therefore, I ask the help of cfpb to oversee what is going on. I request RESURGENT LVNV to remove both accounts from each credit files at once. Since they have failed to provide me with requested information. The FCRA requires you to verify the validity of the item within 30 days. I been disputing these accounts since XXXX150 days later, way pass 30 days. Enclose are copies of validation letters sent to creditor and bureau, receipt of certified mail and return receipt as well, creditor constant statement to pay a debt not belonging to me. 
XXXX To who it may concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. If you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.I look forward to an uneventful resolution of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've contacted this collection agency several times asking to provide a signed contract with my signature. No real proof has been provided. Please delete. 
Date contacted were in XXXX 2020. If such documents can not be produced please DELETE this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Predatory practices involving additional services such as unit owner insurance. They always sent a letter to advising that they will purchase a policy if I do not buy one. I am always forced to submit the information of a new policy even though my insurance company has the information of my mortgage holder and updates accordingly. Nationstar aka Mr. Copper is the worst. I never had this issue with the previous mortgage holder. They are the worst

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: EQUIFAX, INC.
State: HI
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 disputed the late payments on this XXXX XXXX XXXX account for months. XXXX   and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went on XXXX and saw a seller selling shoes. I then contacted him to make the purchase. He stated the price of {$150.00} each pair. I wanted 3 pairs which is a total is {$450.00}. I accepted the price and ask how do I pay for them. He then said XXXX XXXX  or XXXX  XXXX. I said I can do XXXX XXXX because I dont have an XXXX. I then sent the money on XX/XX/2019 to user $ XXXX. This was his wife account because his was not working. I then waited for a tracking number because the seller was stating he was giving me a tracking number once the order is shipped. I never recieved a tracking number nor did I recieve the item I was intended. I then contacted XXXX  XXXX for assistance, they told me to contact the bank I use. I filed a dispute with Golden 1 credit union. They replied back with a letter stating they cant issue the refund due to the Visa Rules and Regulations. They told me to contact the third party I used which I did already. I dont know where to go from here if both company 's do towant to 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