BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-08
Company: Self Financial Inc.
State: NH
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:
Company reported inaccurate information multiple times I disputed the information multiple times on all 3 credit bureaus fixing it temporarily until they reported more inaccurate information the following month. My credit score dropped because of this. So I closed the account a month ago it showed as closed for the past month until today when it showed up as open again. I would like the company to stop reporting on my account because they have been closed I will take any action necessary to get them to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: SinglePoint GI
State: VA
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: Problem with personal statement of dispute

Complaint:
according to my credit report, General Revenue Corporation ( GRC ) has stated on my credit report through the Consumer Financial Protection Bureau, that I settled this debt for a lesser amount. That is not " TRUE ''. This company has engaged in deceptive practices. XXXX XXXX University told me what was due based on my student loan. The bill was paid. see attached. Now GRC wants to put on my credit report that I settled this debt for a lesser amount. 
GRC can not think that reporting misinformation about a consumer credit report, is with the Guide Lines of the Fair Credit Reporting Act. Fair Credit Reporting Act, requires that all information must be accurate. It is my understanding from XXXX XXXX that they have tried to reach out to GRC but no reply. See Attached Lastly, GRC has failed to mention that I responded back to them within their 30-day time frame back in XXXX, letting them know that it was not a valid debt, that they had received. I never heard anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After reviewing my credit report I noticed this company listed on my credit profile. I never received any notification via mail from this company. 
I called this company and they informed me that they were collecting a debt from XXXX XXXX I informed them that I dont have XXXX I have XXXX I also informed them that I share a name as my father I also instructed them to send any documents to me via mail so that I can dispute this because it doesnt belong to me. 

They failed to send me any documents.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: JPL Recovery Solutions
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
JPL recovery solutions bought my debt from XXXX where I got the loan originally in XX/XX/2017. JPL recovery solutions has made repeated calls to my work. I have told them at every call to stop calling me. They called my bosses personal cell phone today as well. My bosses have also told them to stop calling our office. They have called friends and family and asked about me, they have all told them to stop bothering them but they still call everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello! 

I have been a Chase Bank user since my parents let me get a debit card in High School. While I have had mostly amazing experiences with Chase Bank, today was really hard for me and it makes me think twice about Chase and the fraud protection they offer to their customers. Or, lack there of. 

On the morning of Thursday, XX/XX/XXXX, I went to go buy tickets for my favorite artist, XXXX who would be performing on Friday, XX/XX/XXXX at the XXXX in XXXX XXXX XXXX, Utah. When I went to the website to try to buy tickets, I noticed they were sold out. This scared me, because I knew I couldn't miss the show. So I proceeded to go on XXXX to see if there was anyone selling tickets. Having been scammed by a scam artist one other time, I was trying to be extra careful when looking for tickets. My boyfriend XXXX, and my friend XXXX both wanted to go as well, and trusted me to find the tickets. I came across a girl named XXXX who seemed to have a decent profile and I texted the number she included in her post. I will attach our texting conversation in this thread. I told her I was looking for 3 tickets for me and two of my friends. She told me she had 4, and could sell me 3, for {$45.00} each. I told her I recently was scammed and didn't want another experience like that, and she proceeded to send me the ticket confirmation email as proof. I believed her. I asked my boyfriend and my friend to XXXX me {$45.00} each, and they did. The girl wanted me to pay her via XXXX, which is something that Chase Quick Pay owns. I had her email, and her phone number, so I thought even if this was a scam, I would be okay, since Chase has all of their information. Right? Wrong. I paid the girl, and she told me she was sending me the tickets. Well, they never came. I never got them. I called the girl, call rejected. She blocked me. She deleted her XXXX, so I wouldn't find her. 

I called XXXX, sobbing. {$130.00} down the drain. How do people do this to others? Is this what they do with their lives? Does this make people happy? When I told them what happened, the lady over the phone said " There's nothing we can do. '' I'm sorry, what? You literally have a phone number AND and email attached to this person 's account, and you can't track them down and flag them? It was just a simple NO. How could Chase Quick Pay own XXXX and work with XXXX if they can't find a way to track down scammers? I am not putting up with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-04
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: Account status incorrect

Complaint:
In XX/XX/XXXX I spoke with a bank representative regarding the pay off of this account. I was advised that the pay off amount was {$320.00} ( see attached Business Checking statement ) and in the new year I paid the full amount via my business checking account XXXX XXXX XXXX on XX/XX/XXXX. 

In XX/XX/XXXX I reviewed my tri merged credit file via XXXX and found that XXXX XXXX XXXX is still reporting this account when payment was accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
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: Public record information inaccurate

Complaint:
There is a bankruptcy reporting on my account that is erroneous in amount that is showing {$0.00}. Also I was told that it had been verified through the courts which was a lie because I received a letter from the courts on XX/XX/XXXX stating that they do not do such.

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 2020-07-03
Company: Experian Information Solutions Inc.
State: NC
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 have disputed to no avail the collection account appearing in my credit report under the collection company listed as XXXX XXXX the problem is I originally requested validation if the debt XXXX responded with a consent form dated a entire year earlier then the hospital bill inpatient date ... .this is not valid validation of the debt also the consent form was for a regular doctor visit not a hospital stay as bill indicated. 
I then reached out to XXXX XXXX which was the original creditor to learn that this debt which XXXX XXXX is trying to collect is actually included in a charity application I submitted to XXXX XXXX XXXX assistance before the debt was purchased by XXXX the charity application had been accepted and us still pending review thus XXXX XXXX should not be trying to collect on this debt I have enclosed the XXXX bill A copy of my XXXX XXXX billing statement which shows this account is pending review for charity assistance with a XXXX balance I notified XXXX  I was in dispute if this debt before the 30 day notice however they will not crease contact it collection on this item

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 2020-08-22
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:
The accounts and inquiries are not mine, I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts and inquiries without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
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:
The accounts and inquiries are not mine, I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts and inquiries without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2018-05-01
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of any debt with XXXX XXXX XXXX. I was a customer in the past and talked to customer service after switching to XXXX on SEVERAL OCCASIONS and was informed that I had a {$0.00} balance. Six months later I received a bill for over {$400.00}. This is the ONLY collections item on my credit report and it is negatively effecting my score. I have requested that it be removed and it has been removed from two bureaus, but still shows up on XXXX. I have been called multiple times and threatened to be sued for a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: SC
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:
My Experian case number is # XXXX. When my credit report was pulled I had two reports from the Dept. of Education that showed up on the mortgage department 's derogatory statement. They mortgage company agent instructed me to send the document to them and Experian showing that the loan was paid in full and not just a closed account which may lower my score if seen as a derogatory report. I immediately sent a dispute online to Experian and uploaded the letter from the Dept. of Education to make sure it was seen and categorized as two positive reports. Instead of reading the document and verifying that they were placed as positive credit reports Experian deleted them from my report lowering my credit score. I was working hard on my credit score to close on my first  house using my VA Loan and now that has been jeopardized. When I contacted Experian to Monday XX/XX/20 at approximately XXXX they instructed me that they understood my situation and to request that the Dept. of Education submit an re-insertment form so they could correct the error. When asked could I speak to a supervisor I was told that one was not available for 3 hours. I called both agencies twice until a specialist from the Dept. of Education explained to me that it was a serious violation of the fair credit act and I should report Experian because it was their error and they should have went to their data base and corrected the error by reinserting the paid in full reports themselves, This matter is seriously effecting my chances of getting the house that I and my wife worked so hard for. I only ask that they put back my credit history in the proper category and restore my credit score. My contact number is XXXX ( XXXX ) XXXX and I hope this could be rectified as soon as possible.

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 2020-07-26
Company: EQUIFAX, INC.
State: WA
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:
Hello! My girlfriend and I recently applied for an apartment and after running my credit score it was determined that we would be approved with " condition ''. My social security number seems to be what the issue was and it seems like the company may have run my wrong one. I know i have a clean record and I have my social security card to prove that it is correct. My apartment complex is saying because of the flag on my social security they are charging us {$220.00} extra. So I am trying to get this fixed so that we aren't liable for the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX put a 60 day late payment on my credit report for a Visa card that I have with them that I have not even had in my possession since XXXX. The charges stem from some late fees they claimed were on my account which should have never been there due to the charges on the account were fraudulent and had been disputed and were not adjusted properly on my account. I contacted XXXX and was assured everything was resolved and they even emailed me a letter to confirm they would contact the 3 major credit bureaus and have it removed off of my report They also sent me all the dispute information in the mail and my balance was supposed to be brought to XXXX and they raised my credit limit by {$500.00} and they were going to send me out a new card. The negative item was removed off of 3 credit bureaus and stayed on XXXX. I even put in a dispute as instructed by the XXXX rep to make the process faster. I called XXXX and informed them that it was still on one credit report and I spoke to the exact same gentlemen who handled the matter originally and he stated he would fix it and that he actually had the disputes that I did and he will rectify the matter. Instead he made and even bigger error by putting the late payment back on all of my credit reports and bringing my score down even further and I attempted to call and could not get through to him. This is my last effort before contacting a lawyer. They affected me getting a property and lowering the limits on other cards as it looked as though I have a recent 60 day late on my credit score. I also still have not even received my card and the credit bureaus are stating XXXX confirmed verified the account as being accurate with the late payment I do not have any late payments on my credit report except this.

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 2020-08-27
Company: General Motors Financial Company, Inc.
State: PA
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:
Americredit please remove inquiry off of XXXX  credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: PENTAGON FEDERAL CREDIT UNION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account reporting, for credit and FICO Score purposes, issues with Pentagon Federal Credit Union. PENFED is currently reporting my credit score in the low 400 's, without just cause. Each of my FICO scores, as reported by XXXX XXXX, XXXX ; XXXX, XXXX, and XXXX  XXXX, are as follows. While I disagree with my XXXX  and XXXX  reports and have repeatedly reported they are carrying erroneous information on my reports, the FICO score reported is considerably higher than the PENFED reporting. PENFED indicates they receive data from the referenced credit bureaus. There is no reason for this type of error, specifically in our given national emergency,

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 2020-07-26
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:
This company has continued to change its name many times across the 3 major credit bureaus. They refuse to send me any information. I have attached the last letter sent to them dated XX/XX/2020. I have sent a certified letter to them every month since XXXX. They have continued to ignore my letters and have refused to send me any correspondence. They never sent a debt letter so that I could have the opportunity to dispute the debt. They only ignore all of my correspondences. They change their name from LVNV to Resurgent but list the same address. I have also sent letters to credit bureaus and they keep validating the debt even though I receive nothing from this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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 noticed about four months ago that there were unauthorized charges on my checking account. When I contacted BOA I was told that these charges has been coming out of my account for almost two years to the tune of {$4500.00}. I told bank of America that I have never have an account with uber eats and have never had food delivered to me from them. I did not notice these charges because I was not receiving my statements and I did complain to the bank several times about it. I dont do online banking because of personal reason and that is why it was so important to receive my monthly statements. Foe the bank to tell me that it was my problem and not only are they not returning my money to, but blame me for not noticing the fraud earlier. Yes my only crime is that I did not discover the bank incompetence early and I do take responsibility for that. XXXX   have asked several times for them to show me the proof how they come to the decision that the charges were authorized and they have not been able to do so. Those charges were directed to my checking account but they were not directed to my gmail account, my XXXX account or my phone number and I would at least like to know at least on e of the businesses or individuals, or restaurants who benefits from my loss so that I can at least be compensated in some way.

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 monetary relief
Consumer complaint received 2021-05-25
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get a loan modification with Selene financial for close to 2 years. After offering me only a feed in lieu or short sale they offered me a loan modification and I appreciative. However the terms are unclear to me. It doesn't state the duration of the loan 30 years nor whether the balloon payment contains administrative fees as well as arrears. 
I does not disclose if there is a prepayment penalty.I need truth in lending and feel that I am asked to accept unfair terms through nondisclosure. I am an XXXX American female Citizen who has been the victim of loan modification flipping in the past. The practice continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: NY
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:
I had disputed negative information on my credit reports. To date the negative information is still appearing I am uploading documentation that this account is to removed off my credit reports

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