BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-01
Company: JPMORGAN CHASE & CO.
State: OH
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:
I was late paying my credit card for the first time. I called the credit card company to make my payment. the credit card company removed a late payment from my account but the creditor closed my account and reported a late payment to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and I sent my dispute to this company on XXXX.XXXX.18 attached with relevant documents for their verification but to my surprise these company is still reporting these fraudulent account. -- - this is not my account. I am not liable on this account. Delete this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I don't have a phone number. Capital One is trying to do 2-factor authentication to a phone number I no longer have. Capital One has no alternative. Not everyone can afford a phone or wants to pay for one. 

I need to be able to access my account online by a means just like rich people with phones when I don't have one. 

There is no requirement in the account agreement that I have a phone, and I was lied to and told that I had to have one. 

https : //www.capitalone.com/XXXX/ <- There's nothing that says I have to have a phone in the agreement. 

If Capital One wants me to have a phone, Capital One needs to pay for it, or use an email address for verification like many other banks are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was in foreclosure because I got behind in payments. However, I was able to come up with the money needed to cure the forecloser in XX/XX/XXXX and I followed all the proper steps with the county. This is when I felt as though we were finally back on track. I resumed making my monthly payments in XXXX, however, the Mortgage company kept returning my payment to them and telling me that my mortgage was still in default. I spent days trying to contact the legal office and the mortgage company trying to find out what was going on. I was told the money I paid ( approximately {$24000.00} ) was never released from the legal company to the mortgage company. I was assured all this would be fixed and once the mortgage company received the payment they would reach to me and tell me my new monthly mortgage amount. In the meantime, I never stopped paying my normal amount, and month after month the mortgage company returned my payment. It is now XX/XX/XXXX and I have received a letter from the same legal office that they are starting the foreclosure process because of a past due amount of around {$10000.00}. I have tried to call the mortgage company and the legal office multiple times and I am never able to get help or get the situation resolved. We have received notice from the lender 's attorney stating they have been authorized to begin foreclosure procedures. I am also being told I owe more penalties and late fees and have to go through the foreclosure process again. At this point I believe is a conscious and discriminatory effort by the mortgage company to make me look like a bad lendee, destroy my credit, steal my home, and essentially suppress me and my family due to either. our previous foreclosure situation, our economic condition, or worse of all, our ethnicity. I desperately need assistance ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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:
I sent a dispute letter that was received over 30 days ago by U.S. certified mail. They have failed to properly validate the accounts I questioned. I have received no written communication or any supporting documents that I have requested.

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 2020-06-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
XX/XX/XXXX the two credit cards used on line for deliveries ( I am XXXX XXXX needing supplies for survival ) XXXX  & USAA both had UNAUTHORIZED TRANSACTIONS of {$8000.00} Not ordered from my phone IP Address & OR Items charged Not Delivered. XXXX  XXXX Data Breach Confirmed my data was exposed. Mail fraud occurred see attatched CRIMINAL INVESTIGATION UNITED STATES POSTAL INSPECTION LETTER dated XX/XX/XXXX USPS ( DELIVERIES NOT MADE. ) See attatched FTC ID Theft case XXXX. * ( BANKS ARE NOT WCAG ADA 2.1 COMPLIANT PER FERERAL LAW* ) See Police Report. See XXXX Confirmation XXXX Reported Disputed NOT FIXED. XXXX  ACCOUNT XXXX USAA ACCOUNT XXXX & USAA   ACCOUNT XXXX ( Despite written requests, the unverified original signatures for deliveries made into my hands & signatures of contract application still remain on my credit report in violation of Federal Law. Federal FCRA Law requires a copy to be held on file. XXXX  is required by law to VERIFY that this information is mine and correct having recieved items charged. In results of investigation you stated these items " VERIFIED '' being " REPORTED CORRECTLY "? ) Who verified these accounts? XXXX  has Not provided me a copy of any original signatures deliveries made into my hands or contracts of application as required under SECTION 609 a1A & SECTION 611 a1A. Furthermore XXXX  has ( failed to provide method of verification as required under section 611 a 7 ). XXXX  please be advised under SECTION 611 5 A of FCRA - you are required to .... " promply DELETE all information which can not be verified '' The law is very clear as to civil liability and remedy available to me ( SECTION 616 & 617 ) if you fail to comply. I DEMAND THESE ACCOUNTS BE VERIFIED WITH ORIGINAL DOCUMENTATION of delivery made into my hands and all application contract signatures. ** XXXX  DATA BREACH OF XXXX NOT EXPOSED UNTIL XXXX PROBABLY CAUSED THESE BANK FRAUDS. PER XXXX  BREACH SITE MY DATA IS ON DARK WEB FOR FUTURE FRAUD ALSO & XXXX  HAS NOT PROVIDED ANY RELIEF OR RESTITUTION. MILLIONS AMERICANS WERE EXPOSED. WHY IS XXXX   ALLOWED TO HARM SO MANY WITHOUT ANY REPERCUSSION OR RESOLVE? American CONSUMERS & BANKS LOSS BY XXXX  IS NOT RESOLVED ( 3 ) THREE YEARS LATER. WHY ARE THEY ABOVE THE LAW? I AM XXXX ON XXXX XXXX AT HOME AMERICAN TAXPAYING CITIZEN OF XXXX YRS LOSS OVER {$8000.00} TARGETED BY PROFILE NO PROTECTION. & NOW VIRUS??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I CALLED TRANSUNION TONIGHT TO DISPUTE MY CHAPTER XXXX FROM XX/XX/2013 XXXX COUNTY, NEVADA AS ALWAYS WHEN YOU CALL TRANSUNION YOU ALWAYS GET SOMEONE O THE LINE WITH A THICK ACCENT SOUND AS IF THEY ARE MIDDLE EASTERN. I HAVE A HABIT OF RECORDING THE CALL FOR LEGAL PURPOSES. I RECORDED THIS CALL. I ADVISED THE REP. THAT I WANTED TO DISPUTE MY XX/XX/2013 BANKRUPTCY FROM CLARK COUNTY NEVADA I EXPLAINED TO THE REP 3 X WHY I WAS DISPUTING. AFTER 30 MIN OF TRYING TO GET HIM TO UNDERSTAND HE ADVISED ME OK MAAM I WILL SEND YOU A CREDIT REPORT, I ADVISED I DIDNT ASK FOR A CREDIT REPORT XXXX I WANT TO FILE FOR A DISPUTE I HAD TO HANG UP ON THE GUY BECAUSE HE WAS NOT UNDERSTANDING. TRANSUNION IS REPORTING THIS CHAPTER XXXX FROM XX/XX/2013 AND THE BANKRUPTCY HAS SEVERAL INACCURACIES THAT I AM DISPUTING, AND AT THIS TIME I WANT TRANSUNION TO FILE A DISPUTE FOR INACCURACIES. FILING DATE AND 2 CREDITORS LEFT OFF THAT IS NOW TRYING TO PLACE ME IN COLLECTIONS,

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 2021-08-12
Company: Collection Bureau of America Ltd.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am reaching out because I reached out for validation to this company that showing on my credit report. I reached out to them and they responded that they can not locate any account for me, yet they are still reporting to my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
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: Account information incorrect

Complaint:
I had a charge-off account with XXXX XXXX XXXX ( it was originally charged-off on XX/XX/2016 after a 30 day late payment ). Not sure why they charged-off that quickly but that's here nor there at this point. I have had nothing but issues with this account since I started trying to get it resolved. Incorrect reporting galore - they're reporting a 60 day late with XXXX, which is incorrect based on information they sent to me, they're seemingly reporting 90 day late with XXXX. I paid the account off in full, for the past due amount of {$460.00} ( though I just recently talked to someone that made it seem like the original charge-off amount was less than that ).

Experian is reporting it as " Legally paid in full for less than the full balance '' even though it had been reporting " Paid, charge-off '' which is how all 3 bureaus should be reporting. They're also showing no reporting since the 30 day late until last month, where is says " CO ( Charge Off ) '' and showing 'Time Since Negative ' is 1 month ( yet, for the longest time it was showing 2 years ).  They're also not showing my XXXX XXXX account that I closed. 

XXXX is even worse, they had been reporting " Bad debt, sent to collection '' and now they're reporting " Account paid for less than full balance '' and is not reporting it as " Paid, charge-off '' like they should. 

XXXX seems to be correct in the balance but I am not sure how they are reporting the account else-wise. They are also not reporting my XXXX XXXX and XXXX XXXX accounts that were recently closed. 

Needless to say, this has become very frustrating. I need help getting this resolved. I have attached files that show the incorrect reporting.

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 2018-08-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
They will NOT send my payoff, they keep claiming they are faxing it and verify the fax #, every single time I call there is a different excuse, it takes 5 days, it takes 2 days, you sent the payoff request to the wrong fax number, can you verify the fax number, and now they say they have faxed it 3 times but don't have the times it was faxed. My attorney is holding my loan proceeds until they receive the payoff statement which never seems to come!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: EQUIFAX, INC.
State: AK
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: Problem getting your free annual credit report

Complaint:
Originally tried to get equifax credit report online XX/XX/2020 Failed. Sent drivers license and social security card. After 2 MONTHS of waiting for them to acknowledge they actually got it, was able to login to myequifax.com. 
4 Months later, tried to login to myequifax.com. ran into same issue, they wanted me to send in another copy of drivers license and ss card. Explained I did that in XX/XX/2020. They refused to reset the myequifax account online. The questioned asked had nothing to do with me. The XXXX support desk accent was so bad, I could not understand any of the questions. They refused to admit that I had already sent them the paperwork, 6 months ago, they refused to admit that the myequifax account worked 2 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Receivables Performance Management, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Receivables Performance Management is attempting to collect a debt that I do not owe. 
they claim that I owe {$520.00} and this was opened on XX/XX/2018. I have already sent them substantiating documents showing that this was a result of identity theft but they have not been willing to cooperate with me and continue to report this on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I requested a loan modification on my home loan due to lose in income and pay rate being reduced. I completed the modification packet provided by Freedom Mortgage and faxed all requested documents in as well as emailed them to Loss Mitigation department for review on XX/XX/XXXX & XX/XX/XXXX. I followed up on XX/XX/XXXX and resent the modification packet again. On XX/XX/XXXX I received a letter from Freedom Mortgage advising that neither of the three modification packets that had been faxed and/or emailed was not received and all information had to be resubmitted. I resubmitted the documents again on XX/XX/XXXX. I then contacted Freedom Mortgage on XX/XX/XXXX due to receiving a letter from them advising again that all information that had been resubmitted, was not received!. The agent on the phone then submitted a request for loss mitigation to go back thru the previous documents received to retrieve all the documents needed. I called back on XX/XX/XXXX to confirm receipt of documents, and check status of modification, I was then advised that I needed to send in documents to confirm my spouse 's income information and my pay stubs which I had already sent in the initial request, along with a Hardship letter. On XX/XX/XXXX I called to confirm receipt of documents was advised that all documents were received but the wrong XXXX document was sent. I call again on XX/XX/XXXX, to check status of modification. Freedom Mortgage rep then advised me to send in again my pay stubs received from my last employer and a letter of hardship. I emailed these documents over on XX/XX/XXXX. I have asked and asked them to decision my Modification, but I keep getting the run around. They'll say I haven't sent a document in or didn't complete it right. I need help to keep my home.

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 2018-06-07
Company: EQUIFAX, 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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which still appears on my equifax credit report, does not relate to any transaction ( s ) that I have made. Accounts : XXXX XXXX, amount of {$3700.00}, XXXX XXXX, XXXX XXXX XXXX XXXX in the amount of {$8700.00}, are the result of identity. Also the result of identity theft are XXXX XXXX  accounts and they were sent to collections as well to XXXX XXXX XXXX XXXX, Account # s XXXX, AND XXXX amounts {$1700.00}, {$630.00}, {$520.00}, {$460.00}, All the XXXX XXXX   accounts, ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These accounts are also duplicates and also reporting under XXXX XXXX XXXX, XXXX XXXX, {$1000.00} account, -Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. On XX/XX/2018, the companies responded back stating that the disputed accounts, listed in my attachments ; have either been blocked or do not appear on the consumer 's credit report. The other CRA 's have complied and have deleted these accounts, however, after reviewing my Equifax report, they are all still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Advantage Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I am constantly being harassed about an alleged debt and what they're planning to do if I don't pay last date of harassment is XX/XX/2021 the date in which their default the letter says I owe them are incorrect. I inform the unidentified person who's calling me going by the name of XXXX to check with the IRS and the US Treasury concerning this debt. He continues to call me and see if I don't pay he's going to send it to legal whatever that means.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2019-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have disputed these very accounts but yet and all, after the 3 major credit bureaus investigation, their response is accounts been verified. Now I'm requesting the Method Of Verification, who verified these accounts, how and when, and according to the FCRA, I have the right to this information or the accounts shall be deleted. The accounts are as following.. XXXX XXXX XXXX, {$3300.00}, XXXX XXXX,  {$140.00}, {$19.00}

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 2020-05-09
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I ordered a pair of pants online on XXXX XXXX2020 from an online fashion account on XXXX  (XXXX ). I sent him a Paypal payment of XXXX CAD. He claimed that the production of the pants would only take a week or two and that shipping to XXXX would only take 2 weeks at most. I messaged " XXXX '' multiple times over the course of a month asking him for updates on shipping and begging for tracking numbers. Sometimes he would respond and say he would get it done later that week but eventually he would not respond to me for days and then try to tell me he would get it done next week. Its been over a month and he has yet to send me a tracking number or even a picture of the pair of pants that I ordered. Really frustrated with this guy and I'm sick of him playing these games with me and always pushing back these dates. Last time I got a message from him was Thursday after he promised to send out my package on Wednesday .... would be happy to provide screenshots of messages between me and him.

Company response to consumer: Closed with explanation