BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-21
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello we applied for a new loan to refinance our existing mortgage and take advantage of interest rates. At first there was great communication. As soon as I handed over my info and paid for the appraisal I could not get q reaponse to an email or phone call to save my life. Im currently entering the 4th month since initial agreement to refinance, my rate lock has expired and I have contacted supervisors and managers with no return phone calls or emails. Every so often I've receives an email about new conditions underwriting is asking me to clear or provide documentation for and follow up agyer submitting documents.

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 2021-06-01
Company: DISCOVER BANK
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My name is XXXX XXXX XXXX and this is in regards to a debt not owed which was already discharged on a bankruptcy. The financial institution is " Discover Bank '' which filed a judgement against me in the amount of {$2700.00}. This judgment was filed on XX/XX/XXXX Case No XX/XX/XXXX in the official records of XX/XX/XXXXCounty Minnesota.

Bank : Discover Bank Amount of {$2700.00} Date Filed : XX/XX/XXXX Bankruptcy Case No : XXXX XXXX XXXX, Minnesota. 

I reached out to Discover Bank several times this year. First, in XX/XX/XXXX and XX/XX/XXXX and they refused to help or even provide more information on the judgment. They explain their records can only go back 7 years and thus the only option I have is to pay the debt. However this debt, and every other Debt that my ex-wife and I had were all discharged on the bankruptcy that we filed on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Tebo Financial Services, 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: Account information incorrect

Complaint:
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 

Account : XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: JPMORGAN CHASE & CO.
State: NC
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 had used my Chase Credit card to purchase airline tickets. The flights were eventually canceled due to COVID and the airline declined to issue a refund and instead gave a voucher for travel on future date which is not acceptable to me. 

So I filed a dispute with my credit card issuer ( CHASE ) because I was charged for a service that was not delivered. As per the cardholder agreement the card issuer is supposed to chargeback the merchant and refund the charges back to the cardholder in cases where customer was charged for services that were not delivered. 

The reason CHASE declined to refund is because they said my compliant was filed too late. I don't agree with their assessment because the 'service ' has not been delivered yet as they issue the voucher for a future travel date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
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: Personal information incorrect

Complaint:
On XX/XX/2023, I mailed a letter to two credit reporting agencies to get personal information removed that doesn't belong to me and I have not received any letters about or updates about the data being removed. I have refreshed my credit report on my credit monitoring site and the old information still appears.

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 2020-05-11
Company: Law Office of Michael J. Scott, PC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
VIOLATIONS AS OF MONDAY XXXX XXXX : THIS COMPANY IMPERSONATED AN OFFICER OF THE LAW. 

This company filed a frivolous lawsuit never having spoken with the alleged consumer. 

THIS COMPANY HAS REFUSED SERVICE. 

FAILURE TO PROVIDE CONTRACT VERIFICATION AS STATED FCRA 609 TO ALLEGED CONSUMERS ; XXXX ; XXXX  ; AND XXXX. 



VIOLATIONS ARE AS FOLLOWS : For all intended purposes This Company shall refer to the following : XXXX ; SCOTT & ASSOCIATES , PC ; ITS SUBSIDIARIES AND OR COUNTERPARTS ; BUT NOT LIMITED TO. 

A DEMANDED VERIFICATION WAS SENT TO THIS COMPANY TO PROVIDE FCRA 609 & 611 ( EXACT SECTIONS WERE SPECIFIED ) .THIS CERTIFIED LETTER WAS CONFIRMED AS RECEIVED. 

THIS COMPANY HAS REFUSED TO PROVIDE VERIFICATION OF CONTRACT AS SPECIFIED VIA FCRA 609. 

This company spoke with persons other than alleged consumer regarding allegations. 

This company has violated FCRA 609 & 611 as stated confirmed as received via certified letters. 

This company has refused to provide verification to alleged consumer after having received numerous certified letters confirmed as received to do so. 

This company has written defamatory statements on alleged consumers credit This company has reported false inaccuracies on alleged consumers credit report. 

This company makes harassing calls to alleged consumer. 

This company believes themselves to be above the law and refuses to follow the law to provide the above. 

This company has several past and current class action lawsuits for exact same violations. 

THIS COMPANY IS PAST THE 30 DAY MARK TO PROVIDE VERIFICATION AND HAS NOT DONE SO NOR REMOVED THEIR ILLEGAL DEROGATORY MARKS ; INACCURATE CREDIT REPORTING AND DEFAMATORY STATEMENTS. 

This company has violated federal laws and is to remove any and all derogatory marks statements inaccurate and false Credit reporting for unverified allegations. 

This company has not provided any verification declared written under penalty of perjury under oath. 

This company seems to be confused that a mere stated belief is not a legitimate legal fact that would hold in any court of law.As they were obviously confused between what a fact versus a belief is ; were given lawful examples and exact legal verbiage of what is acceptable which is not e-Oscar. 

This company is in violation of all the above but not limited to and is past due to be held accountable.It is a federal crime to report inaccurate information on unverified Allegations. 

THIS COMPANY IS TO REMOVE AND AND ALL INACCURACIES WHICH ARE THE FOLLOWING BUT NOT LIMITED TO : ILLEGAL DEROGATORY MARKS REPORTED ON ALLEGED CONSUMERS CREDIT FOR UNVERIFIED ACCOUNT. DEFAMATORY STATEMENTS ILLEGAL INACCURATE CREDIT REPORTING ON ALLEGED CONSUMERS CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My loan was paid in full in XXXX but I have yet to receive the title and the lender has not yet reported the payoff to the credit bureaus,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: TX
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:
My credit report is not updated regularly. I called and asked why my report is not updated regularly and I was told I need to dispute every account to change the balances. I explained the balances are correct with the other credit reporting agencies and pointed out the balance need to be updated. The representative XXXX XXXX XXXX Code XXXX XXXX stated I must dispute the entire report item by item. When we began the disputes, Equifax has more current balances than are reflected in my credit report. I again stated this means my credit reports are not current. The man put me on hold till XXXX, pretended he was helping but sent me to an exit survey of his performance. My accounts are not updated and disputes are not investigated with this company and they continue to damage my credit score.My credit report has not been updated for atleast two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: LEXISNEXIS
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX of 2019, I received an email from a XXXX XXXX agent named XXXX XXXX regarding a matter concerning a XXXX XXXX XXXX from Georgia. My name is XXXX XXXX XXXX, not from Georgia. I soon noticed an increase in my auto insurance and insurance claims from previous years on my consumer reports for accidents Ive not been involved in. I attempted to reach out to XXXX XXXX ' office and never received a response. I also contacted Lexis Nexis and was told that my personal info was sold to them by XXXX XXXX and that XXXX XXXX would need to rectify the matter. I've tried various means of rectifying this over the last year, including contacting XXXX XXXX directly but I'm always given the run around. Someone, either XXXX XXXX or Lexis Nexis,  owes me for the extra money Ive had to spend on auto insurance and whatever else has been impacted from this false data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: ENCORE CAPITAL GROUP INC.
State: PA
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:
Victim of XXXX  XXXX and my report has hard credit inquiries that I never did. The only one I did do is from XXXX XXXX for my car. Closed accounts not taken off. And collection accounts that aren't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX, is fact in violation of 15 usc 1692b ( 5 ), 15 usc 1692b ( 2 ), 15 usc 1692d ( 1 ), and 15 usc 1681. 
On XX/XX/2021 I received a notice for an alleged debt in the amount of {$550.00} in which I hold no obligation to as I am the original creditor, natural person, lender, executer, consumer in fact, holder in due corse for any and all derivates thereof.

Information was requested from my consumer reports on XX/XX/2021 and XXXX XXXX without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/XXXX I submitted a complaint stating my credit reports were in accurate. 
XXXX XXXX had reported a first major delinquency on XX/XX/XXXX on my home mortgage to all four credit bureaus. XXXX XXXX investigated and said there was no delinquency reported. I received a copy of all four credit bureau investigations. Three of them had the errors corrected. Equifax did not. Equifax is still reporting a first major delinquency on XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX XXXX explaining that Equifax stills shoes the first major delinquency on XX/XX/XXXX. XXXX XXXX again said they never reported it delinquent. Equifax says it can not change it because XXXX XXXX denies reporting the major delinquency. I have attached the Equifax Credit Report that was sent to me. The error I am disputing ins on the bottom of page 12.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: LA
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 called eqifax serval times about the high credit and balance on my report for sandtandier consumer i told them,, the high credit is lower than the balance and that is a FCRA Violation!! And it is to be removed at once they say they investigate it and it was correct its not correct because thats no possible!! I need this removed off my credit because its a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/XXXX, a credit intervention letter was sent to XXXX  in relation to derogatory item on my credits report. The first late payment was in XXXX and under the advice of a law firm, this account is past the statue of limitations. In addition to this, upon further investigation, I found that the co-signer on this account has assumed the responsibility and does not consider me liable. For these two reasons, I find that the information displayed on my report is inaccurate. I hope that there is a good faith understanding that I have confirmed this information both with XXXX XXXX and the co-signer. I have attempted to address this to the extent in which I am liable but I do not think it is fair at this point.

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 2018-03-27
Company: JPMORGAN CHASE & CO.
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
A charge was posted to my credit card account in the amount of {$200.00} with a date of XX/XX/XXXX. I recognized the merchant, which is a city gym that I use. However, my monthly membership fees there are in the range of $ XXXX, depending on specials and discounts. As such, the {$200.00} charge is way beyond typical billing amounts, which the credit card company can see in my billing history with this merchant. 

I initiated a dispute with the credit card company in early XX/XX/XXXX, which they denied by letter of XX/XX/XXXX. Their stated reasons were that the charge was " within my spending area '' and they contacted the merchant who informed them that the charge was valid. 

Under this logic, a unrecognized charge would always be deemed valid on the merchant 's say-so if it was with a vendor with whom the cardholder had an ongoing relationship. This would leave consumers without any protection against mistakes and fraud by such merchants and can not be consistent with legal protections. I would like assistance from the CFPB to protect me and other consumers in my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
On XX/XX/XXXX I sent certified letter to XXXX XXXX disputing an item in the amount of {$1200.00} on my credit report. I requested a signed contract validation and allowed 30 days for a response. No response was received which is a violation of FCRA/FDCPA laws. this company is falsely reporting unverified debt on my credit report which is damaging my credit history. A second letter was sent on XX/XX/XXXX which no response has been received as well. This is a very neglectful action from what should be a professional business. This is greatly harming my credit scores and credit worthiness!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not reliable for this debt with Asset Care LLC from XXXX XXXX XXXX XX/XX/2019 in the amount of {$780.00}. I have never received any proof of service after sending a letter of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Company: MoneyLion Inc.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2020 I received a notice to activate my XXXX debit card along with a debit card in my name. 

Problem is that I never signed up for this service nor have I heard of this company until today. 

I looked the company up online and found a telephone number associated with them that was not the telephone number on the literature in the envelope requesting me to activate my card. 

The representative required me to provide personal identifying information and I declined multiple times. I told them I would provide them with the card number in the envelope and my name and address and that was it. I would not give a " banking '' company I never heard of or solicited for service my DOB or SSN. 

He then told me that he would escalate my issue to his fraud department and that it would take 10 business days for someone to contact me concerning the fraudulent card. Which means that I had to provide my personal telephone number and email address to a banking company with whom I do not do business with. The Fraud Department would only contact me via email that there would be no way for me to proactively contact them. Meanwhile, the account would stay open and potentially be used by whomever it is that is trying to steal my identify. 

According the XXXX the gentleman on the phone I spoke with at XXXX, this is the procedure and there was nothing he nor anyone else could do to to hasten the process. 

When I told them I would be filing a complain with CFPD, he placed me on a prolonged hold - in excess of 10 minutes. They advised me to not file the complaint with the CFPD and instead wait for the fraud department. 

The reference number for my phone call with XXXX aka MoneyLion is XXXX. The call occured on XX/XX/2020 and started at XXXX ET and ended at XXXX ET. The number I called ( which I obtained from XXXX since they are an independent credit monitoring company ) was XXXX. 

The telephone number on the literature I received was XXXX. The literature is slick and looks exactly like something I would receive from a bank that I do do business with. There is a direct deposit slip attached to the literature encouraging me to set up my payroll direct deposit. The company I work for is not affliated with this company and I've had direct deposit set up through my employer for over 5 years. The card is a white card with branding and a chip on the front. The rear of the card contains and account number, expiration date and security code. 

It says that the card is issued by XXXX, Member FDIC and licensed by Mastercard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
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 status incorrect

Complaint:
XX/XX/2021. {$7600.00}. I have requested XXXX XXXX XXXX  to update the account as I no longer owe them and have a XXXX  balance. the account is reporting that it is in collection and and I have a outstanding past due balance which I dont have with them because we have come to a settlement and I now owned the vehicle. Theyre reporting a closed paid account as in collection and negatively hurt my credit and so I cant get approve for loans. I have also disputed this to the credit Bureaus and they told me to contact XXXX XXXX XXXX, then XXXXXXXX XXXX XXXX telling me to go back to the bureau. They are double reporting a account that is paid as in collection with a balance

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: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt collector, ERC, claims that I owe {$200.00} from XXXX XXXX XXXX XXXX. This continues to impact my credit score monthly. I have asked them to provide documentation from the original creditor about this debt and have not received any. This account was closed and the amount was charged off over 3 years ago.

Company response to consumer: Closed with explanation