BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
During the past year I have been attempting Dispute unfamiliar items on my credit report in my dispute I asked for a method of verification on every single account/Trade line/item I have not received the proper information from any of the credit bureaus XXXX XXXX Equifax and XXXX I spoke to one manager at XXXX XXXX and he told me that we already sent the information and I told him no you did not you sent me a letter with blank pieces of paper on it Then he told me it is 2020 and everything is digital now so we verify it electronically and thats it That is not with the fair report in credit act says You have to verify the dates who you spoke to how you communicated with them what was their response what you communicated with them how do you retain your files The other two credit bureaus did not respond to my request at all and it is my right to have the method a verification Also all three credit bureaus are guilty Of when I correctly dispute an item and give them substantial proof on why the item is not valid on the report they just say that it is verified For example on all three credit bureaus they said that they verify bankruptcies by XXXX before I disputed I wrote the court on which the bankruptcy is CLAIMED to be with And asked them did they verify Bankruptcies with third-party creditors Such as XXXX  XXXX XXXX and XXXX XXXX they wrote me back and said no they do not as clear as day it says on two of my reports that they verify the bankruptcies with XXXX XXXX  I sent them a letter that the court sent me saying that they do not do this and they wrote me back the bureaus and said oh its verified

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: KY
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7100.00}, XXXX XXXX XXXXXXXX Balance : {$4000.00}, XXXX 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 2023-02-10
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter dated XX/XX/XXXX in which it stated that I may have had a lapse in coverage on my home from XX/XX/XXXX XX/XX/XXXX and my account may be charged {$4500.00} for force placed insurance. 

I called PHH Mortgage XX/XX/XXXX and spoke to XXXX department and I inquired as to why if there was a lapse in coverage I was not informed until XX/XX/XXXX. XXXX was that it was not noticed by Mortgage Company until XX/XX/XXXX that there was no coverage therefore, they had to place insurance on my account. So, let me get this right you notice in XX/XX/XXXX that there is no coverage, notify me in XX/XX/XXXX and want to charge my escrow account a year later? If mortgage company not informed, then how was I to have knowledge of the laspe in coverage and now have charged my escrow account {$4500.00} which made me negative {$2500.00} in escrow which in turn will make my mortgage increase over {$200.00} a month. 

How can I be charged by the company for coverage when I never received the 45 day notice of force placed insurance prior to the charges. If they were to charge me for XX/XX/XXXX I should have been notified by law prior to the coverage date. They are attempting to charge me after the fact. 

I was on the phone for an hour and issue was not resolved, I was just apologized to and said that was all they could do, they had to put insurance on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged {$670.00}. on my Chase Sapphire card for an outdoor furniture purchase I made in XXXX, XXXX from XXXX XXXX XXXX ( the merchant ). The merchant 's website said it was a " quick-ship '' item and would be shipped in 4-6 weeks. After 4 weeks, I asked for the status of my order and was informed me that it would take another 16 weeks for it to ship. I cancelled the order because by the time it shipped, summer would be over. The merchant confirmed that it was cancelled. In XXXX, I realized that I wasn't refunded for the charge. I contacted the merchant and they asked me if I wanted to cancel the order. I told them I already did cancel. They confirmed that it was cancelled. In XXXX, I got a call from the shipping company saying that they were trying to deliver my order. I told them that I cancelled it. I contacted the merchant and told them that I cancelled the order twice and asked for the status of my refund. The merchant said that they would refund me. In XXXX I checked my credit card statement and found that there was still no refund. I emailed the merchant again and received a reply that stated only " refunded ''. In XXXX, there was still no refund on my statement so I opened a claim with Chase. I provided them with written documentation to support my claim. In XXXX I was told that the charges were correct and it was too late to make a claim. I appealed the decision and in XXXX, XXXX Chase responded that stating that the charge was correct and if I have a dispute with a merchant I need to take it up with the merchant. So here I am. I don't have my {$670.00} and I do not have the patio furniture. During this time I have contacted XXXX XXXX XXXXXXXX by email and by phone, asking them to tell me how and when they refunded me. They do not respond to any of my attempts to resolve this. The bottom line is that XXXX XXXX XXXX and XXXX XXXX XXXX have my money and the patio furniture. I have been a good customer for Chase, and it stuns me that they can see clearly that merchant did not refund me when they specifically stated that they did and yet they won't credit my account and charge back the merchant for both the initial charge and interest that has accrued on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: FIRST ADVANTAGE CORPORATION
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:
In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I filled out and mailed in the permanent opt-out for pre-approved credit cards. Capital One, which is the worst spammer out there, just sent me another one, ( I am attaching file ). I want the XXXX to stop. All it is doing is giving someone the chance to steal from my mail and open in my name. I have no interest, never have, and never will for a Capital One card. At this point they have so offended me by not following my wish to be left alone, that even if I want a credit card, I will get from anyone besides them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: FL
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:
This is my second attempt since credit burea 's still have failed to respond to my previous disputes. This company is in direct violation of the FCRA and my consumer rights. I will be seeking monetary damages for willfull noncompliance and negligence if this matter isn't resolved immediately.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-05-02
Company: Northstar Location Services, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Monday XX/XX/XXXX after numerous phone calls with a debt collection agency at XXXX XXXX XXXX XXXX about a debt that was racked up by abusive ex boyfriend I scheduled an appointment on Friday to discuss options. The debt collection agency agreed, however I found out today the called my parents and informed them that I owed a debt. I chose to not disclose my abusive relationship to my parents because I also know it will further complicate the situation and add extreme stress to my personal life. My relationship with my family is also very complicated and they will only make matter worst. I am extremely XXXX off that after agreeing to speak on Friday they still went ahead and passed along information to my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Post Lake Lending Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I applied for a loan on XX/XX/2023. After applying online, I was receiving calls back to back from this company. Finally answered and spoke with them. We went through the whole process of the loan application and once we got to the part of the installments, I informed I would think about it and didn't want to do it right now since the interest rate was so high. In fact it was 777 %. They said I was prequalified for {$870.00} but with interest, the pay back would be over {$5000.00}. Installment plan was for 24 months of a payment of {$240.00} every XXXX weeks. After going over that, I informed I would think about it and didn't want to follow through yet. He informed he would follow up with me in a week. Next morning I got an email saying my application was approved. I called them immediately and informed I wanted this application cancelled as I did inform the last person prior, I didn't want to go through with it and I would think about it. I verbally stated I did not want anything debited from my account. When I called them to cancel the loan application I was transferred to XXXX different people. I was talked over the entire time about different payment options. I kept insisting I DID NOT want the loan and to cancel the application. Once I was transferred to the " higher '' department I was then disconnected. I didn't have time to call them back as I already wasted my lunch time and had to get back to work. An hour later, the funds were in my account. Called them back and was informed there was nothing they can do since the funds were released to my account. I was then disconnected again!!!! This loan was a forced loan after VERBALLY informing them over and over and over I did not want it and to cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
During the past year I have been attempting Dispute unfamiliar items on my credit report in my dispute I asked for a method of verification on every single account/Trade line/item I have not received the proper information from any of the credit bureaus Trans Union XXXX  and XXXX I spoke to one manager at Trans Union and he told me that we already sent the information and I told him no you did not you sent me a letter with blank pieces of paper on it Then he told me it is 2020 and everything is digital now so we verify it electronically and thats it That is not with the fair report in credit act says You have to verify the dates who you spoke to how you communicated with them what was their response what you communicated with them how do you retain your files The other two credit bureaus did not respond to my request at all and it is my right to have the method a verification Also all three credit bureaus are guilty Of when I correctly dispute an item and give them substantial proof on why the item is not valid on the report they just say that it is verified For example on all three credit bureaus they said that they verify bankruptcies by XXXX before I disputed I wrote the court on which the bankruptcy is CLAIMED to be with And asked them did they verify Bankruptcies with third-party creditors Such as XXXX  Trans Union and XXXX XXXX  they wrote me back and said no they do not as clear as day it says on two of my reports that they verify the bankruptcies with XXXX  XXXX  I sent them a letter that the court sent me saying that they do not do this and they wrote me back the bureaus and said oh its verified

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 2020-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of mentally stress and financial stress. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XX/XX/XXXX head office to file a complaint. Moreover, if it is necessary I will take them to court to sue them.

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 2020-10-20
Company: Charleston Area Medical Center
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Healthcare Financial is showing up on my credit report so I gave them a call. I paid one amount that was on my report on XX/XX/2020. The woman said I had other debt. I said I had not received any notification of any debt and would like to see something in the mail or set up payment arrangements. She disregarded what I said and never attempted to help me. My ex husband and I are divorced. I was a XXXX  XXXX  XXXX  XXXX  and our children were under his insurance since he was employed. Instead of trying to help me, she went and out and something else on my credit report and I received notification from a credit monitoring service. I have not once received anything in the mail from them. I am divorced and moved and she did not ask about my new address or seem to care. Furthermore, I am not liable for these medical bills, my ex husband is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Simple Bank backed by bbva was bought by XXXX. when they aquired bbva. we were promised seamless transition. on a friday before XXXX XXXX they decided to do the transition. my girlfriend and i have been locked out of our apps for bbva due to technical issues. as have many other consumers. i tried calling and every time they would hang up on me. the same happened today, they are also going to charge us for fees that we need to opt out of which i cant even opt out of due to not being able to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Ocwen Financial Corporation
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice/letter dated XX/XX/2021 of a missed monthly mortgage payment for the month of XX/XX/2021 from PHH Mortgage Services XXXX However, I have my account on autopay from my checking account which showed a payment made on XX/XX/2021 of {$140.00} in my bank statement. My XXXX monthly mortgage statement says the payment this payment was not applied by PHH until XX/XX/XXXX even though the bank transfer was made on XX/XX/2021. However, in fact, the PHH XXXX monthly mortgage statement that says payment was missed also shows in the activity transaction box of the statement that the payment was made on XX/XX/2021? All my other past payments were made on the XXXX  of the month via autopay with no issues and previous monthly statements showed payment applied on date of transfer and no overdue payments for XXXX and XXXX for example. I have sent a message to the company but XXXX  not yet received a reply. 

This is the second problem I have had with PHH which assumed my mortgage just this year. It took over three months to get them to pay two missed quarterly property tax payments just resolved this month from my escrow account and the accrued penalties for missed payments. Here we go again with another error!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The insurance Company sent me a check & said it was mine to cash for an accident in XXXX. Next thing i hear a collections company is calling me for the money. I then tried to make a payment arrangement by giving them XXXX and expected a confirmation by mail on the payment arrangement and the plan. They never sent me anything in writing and sold the debt and now they are harassing me and the original payment went up

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