BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-07
Company: U.S. BANCORP
State: MN
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:
After multiple attempts for US Bank to realize the account in my name was identity theft, they still denied my claim. I took the thief to court and won. I settled the account with US Bank because I moved it to a 0 % interest card until I can collect on the judgment. Due to their not accurate findings, my credit report states I paid them late and my credit score dropped 66 points. I would like them to remove this from my credit report since the courts have made a judgment in my favor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited tohold you accountable for your willful noncompliance XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX  ( Original Creditor : XXXX NC ) XXXX Balance : {$300.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: ID Analytics, 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:
I have had a credit freeze of the credit Bureau SageStream for many years due to a previous XXXX  XXXX and restraint order I obtained against a prior boyfriend who was trying to obtain my information. This has been over 10 years. I was recently denied credit by XXXX XXXX  for a store credit card with XXXX XXXX XXXX XXXXXXXX. I contacted SageStream in order to remove the freeze from my account for 90 days. I was on line with representative XXXX # XXXX, whom was having a problem removing the freeze. XXXX advised " her system had an error '' and that I would need to send her a copy of my " Social Security Card ''. I asked her if I could provide my PIN number if that would help because I did not feel comfortable sending my Social Security Card by email as she requested. I didn't feel comfortable with the representative because I could hear chickens in the background and children. She apologized several times for the noise, verifying that my call was being taken at home. I requested a Supervisor and the representative refused to transfer my call. I also requested another in the office representative and she refused. I was placed on hold a number of times and was on the call over 45 minutes. XXXX provided the following email address XXXX XXXX XXXX. She advised this was a secure email. I don't fee comfortable with sending my SSN card and would like a formal complaint processed. I don't feel customers should have to provide their personal credit information to representatives working at home in unsecure environments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am a Chase Private Bank client for many years and learned that Chase was offering assistance to people and businesses that were impacted by the Covid-19 shutdown. In late-XXXX  and early-XXXX  I called Chase at least 5 separate times about my Sapphire Reserve Credit Card ( which I use primarily for business purchases ). Several of these calls I was on hold well over an hour just to speak with someone. After a lot of time and effort, I was told that my credit card payments would be deferred up to 3 months with no fees, penalties or interest. 

By the middle of XXXX ( a little over 1 month since my last call to Chase ), my finances had become clearer and I were ready to make full payment for the credit card. When I reviewed the account, what I found was completely unexpected. For the credit card, Chase had assessed more than {$1700.00} in fees, penalties and interest since XXXX. When I called customer service, I was told they had no record of me ever calling, that the fees could not be waived and all they could do was have a manager call me within 30 days -- ( 30 days! ). 

On top of the extreme challenges I've had to deal with the past few months trying to save my business, Chase Bank has only compounded my problems. It would have been better had Chase simply not offered assistance and I would have sought more trustworthy alternatives for financing and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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 belongs to someone else

Complaint:
Again, I am a victim of identity theft and this is also a request to remove information related to the alleged identity theft from my credit file. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus must delete all items within fouXXXX business days of receipt. Also, the information provided on some items is unknown to me and has been removed by other offices, and I question its accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX  XXXX XXXX, NV XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-06-12
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: Information belongs to someone else

Complaint:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX CT XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX XXXX : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX : {$690.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX : {$180.00} ; XXXX XXXX XXXX Balance Owed XXXX {$810.00} ; XXXX XXXX Owed : {$800.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/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 2020-05-31
Company: Lockhart, Morris & Montgomery Inc.
State: CA
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 have filed a complaint with the three credit bureau 's and the investigation took well over 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Direct Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/19 direct recovery services texed my phone, my sister phone and my brother in laws phone. This same company has placed calls and left messages stating they are serving me with papers on all 3 phones 2 months prior to this text today. 
they have been told to cease and desist at least 3 times. this company keeps non stop harras this is absolutely harassment and illegal to call or text relatives. 
they sent the message t call XXXX or log onto XXXX XXXX XXXX XXXX.do? customer ID+direct or use XXXX reply stop. 

how is it legal to contact someone who is not responsible for a supposed debt and the debt was paid to the creditor and should have never been sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: FC HoldCo LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Back on XXXX XXXX, XXXX I was informed by a mortgage lender that Flagship Credit was still showing a balance of {$10000.00} on a XXXX XXXX XXXX which was showing open on my credit report. I had surrendered the truck to them in XXXX and was informed to take my tags off which I did. On XXXX, XXXX I called Flagship Credit and I talked to a gentleman named XXXX ( which he never gave his last name ) about the truck loan. XXXX said that I have an unpaid balance of {$10000.00} but he could drop it down to {$7000.00} or as low as {$3500.00}. I asked how did you come up with those amounts. I asked if he could mail me proof of balance owed and to let me talk it over with my wife and I call him back. I later that day called back and spoke with another gentleman ( this never gave his first or last name ). He informed me that the loan would have to be paid off in 24 months at which he denied to except my {$50.00} a month payments. I then asked to speak back with XXXX and this gentleman said XXXX was at lunch but he would have him to call me back which he never has. I asked if he had my number and he replied its on the caller id. With no response I then emailed them on their website with this matter twice and still no response. I've since tried to access my account on XXXX XXXX which now says account is closed and log on is disabled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: AZ
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was in a Covid-19 mortgage forbearance plan for 12 months and began repaying the mortgage in XX/XX/2021. I made my first mortgage payment online using the one-time online payment option, URL is https : //www.mrcooper.com/servicing/payments/onetime/new. However, now that I am in the repayment plan, that link no longer is functional, and I am no longer able to make payments online. The payment links on their website simply do not work and I can not get any help from their customer service department as to why it is not working. My loan was transferred from the previous servicer after I applied for mortgage forbearance and this new company, Mr Cooper, has just been an absolute nightmare to deal with. I need to make my mortgage payment but it feels like they are purposefully setting me up to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax deleted XXXX XXXX  with account balance of {$2000.00} on my credit report then added it back. The first delinquency has already exceed 7 years in XX/XX/2020. XXXX  and XXXX  deleted from my credit report on XX/XX/2020 but problems with Equifax  as usual. Its not like the creditor tells credit agencies okay go ahead and delete from XXXX  and XXXX  but not Equifax. Equifax needs to follow FCRA and remove old information. I have proof that it has been deleted from XXXX  and XXXX. I am not saying the debt is not valid but I am saying that Equifax needs to follow the law. They are not supposed to be reporting debit that is over 7 years old. Equifax should not be able to report incorrect information. Everyone always says they hate dealing with Equifax and I wish there was another credit bureau that would replace Equifax. They lie, misreport information, and are difficult to deal with. My credit score are like 60 -85 points  higher with XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 2023-02-06
Company: Universal Recovery Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Universal RE is in violation of my federally protected rights they using unfair and deceptive debt collection practices and invading my individual privacy which is a violation of 15 usc 1692a. Never had I did or give them consent to have my personally information which is identity theft which make them civilly liable and criminal liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: OH
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 have disputed an an account on my credit profile many times and it comes back as verified it does not provide any correct information on my report i am requesting that they delete this information immediately the account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Debt Recovery Solutions, LLC
State: IL
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 demanded that the following account be removed from my credit report : debt recovery solutions account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I want This Letter Be sended To the Executive of paypal Because Im so serious with this Complain. 

Subject : Unjust Account Suspension Dear PayPal Customer Support, I am writing to express my deep concern and disappointment regarding the recent suspension of my PayPal account. I believe there has been a misunderstanding, and I kindly request a thorough review of my account 's suspension. 

Firstly, I would like to emphasize that my business is solely focused on web hosting services, not file sharing. I provide web hosting solutions to clients, allowing them to host their websites and applications on servers I manage. Web hosting is a legitimate and widely recognized service in the online industry, catering to the needs of businesses, individuals, and organizations. 

I was surprised to receive a notification stating that my account was banned due to alleged file sharing activities. I can assure you that this accusation is entirely unfounded and misaligned with the nature of my business operations. Web hosting involves storing and sharing website files, not engaging in unauthorized file sharing activities that violate copyright laws or intellectual property rights. 

Furthermore, to verify the legitimacy of my business, I have previously provided PayPal with detailed information regarding my Website, including its name, address, and nature of services. I have also shared the estimated amounts that will be received in my PayPal account from my web hosting clients. These details were intended to demonstrate the lawful and transparent nature of my operations. 

I have been a loyal PayPal user and my account has always been in good standing. I have conducted numerous transactions securely and efficiently, with no history of any fraudulent or unethical behavior. It is disheartening to face such a severe consequence without any prior warning or opportunity to clarify any misunderstandings. 

I kindly request that you review my account suspension and reinstate it as soon as possible. I am willing to provide any additional information or documentation that may be necessary to verify the legitimacy of my business operations. I understand that PayPal has security measures in place to protect users, but I believe my case has been mistakenly flagged and requires further investigation. 

I am confident that a thorough review will reveal the true nature of my business and demonstrate my compliance with PayPal 's terms and conditions. I value the convenience and reliability that PayPal offers, and I hope we can resolve this matter promptly and amicably. 

Please contact me at XXXX to discuss this issue further or to request any additional information needed. I have attached the previously submitted information for your reference. I look forward to your swift response and the reinstatement of my PayPal account. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a convention loan with a XXXX  Score of XXXX in XX/XX/XXXX. We were DENIED this loan due to FORECLOSURE documentation listed by Wells Fargo, on a property at XXXX XXXX XXXX XXXX XXXX, CA XXXX. Account XXXX XXXX. This loan was paid in full as per documentation from Wells Fargo, and per a settlement agreement in XXXX, which agreed to NO FORECLOSURE and DELETE THE TRADE LINE. A letter was sent to XXXX XXXX XXXX XXXX XXXX, with no resolutions. ( Letter Attached ) The reporting in VIOLATION of the Settlement Agreement has DENIED us a home loan.

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 2017-09-22
Company: EQUIFAX, INC.
State: KY
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:
Equifax failed to protect my data and the data of millions of others around the world. The one consolation for all was supposed to be a free TrustedId membership. I want to inquire as to why the technical issues with that site have not been fixed, and what the expected timeframe is for maintenance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
About XXXX years ago, I paid the debt below in full : XXXX XXXX XXXX XXXX XXXX way XXXX XXXX XXXXXXXX Date of birth XX/XX/XXXX Account number : XXXX Reference Number : XXXX On XX/XX/XXXX I received a letter from and spoke to XXXX XXXX of Portfolio Recovery AssociatesLLC and stated debt was paid years ago and not to contact me. 

On XX/XX/XXXX I called and said I do not owe the debt and not to contact me by any method. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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