BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-05
Company: SOUTHWEST COLLECTION SERVICES 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Collection Agency ignore my dispute letter, Don't want to talk and Reported to Credit Bureau -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Amount {$120.00} Is XXXX SOUTHWEST COLLECTION S Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX : What You told me on XXXX, I have to re-admitted in Hospital to help me, Talk your doctor and get re-admitted Was this worth {$150.00} and hire Collection Agency, and RUIN MY CREDIT? 
Ive Never missed Single bills in my XXXX years, If you feel you need get paid on this, Remove Credit Report and Call me XXXX or email me XXXX Below was my letter collection agency XX/XX/2019 To whom it may concern : 1.While I was waiting XXXX XXXX in the Hospital while accumulating {$28000.00} of bills, He never show up nor came. 
2.having 2nd Severe XXXX XXXX XXXX, much severe than I went emergency for, XXXX XXXX office Made me wait 10 days without even painkiller 3.On top of XXXX XXXX and XXXX XXXX verified XXXX XXXX XXXX, From hospital, XXXX XXXX Create additional Bill of X-ray. 
4.After that, Only he told me let him know when my regular Dr admitted me in hospital again, otherwise he cant do anything and XXXX XXXX didnt do ANYTHING other than Create additional Bill! 

IF XXXX XXXX disagree, XXXX XXXX himself call or write to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: CMG MORTGAGE, INC
State: WY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We filed a complaint with # XXXX-XXXX in which you closed because the CMG responded to the complaint. Unfourtuenately the orginal complaint was not answered. CMG has still yet to find the payment nor have they responded to the phone calls and written information we have provided. CMG is now asking for copies of cashed money orders fron and back of said money orders. We can not provide these as they were lost after company signed for and picked up from post office. We are working with Ms. XXXX XXXX of XXXX XXXX XXXX, and CMG is also not given her any answers as to where payment is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25
Company: Access Financial LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied online this morning for a {$2500.00} installment loan. Even before I could hit the eSign button I had received a notice of loan rejected. This was of course after I provided banking account information, routing number etc.. I feel like this service and many others out there are just collection bank accounts for future use at their discretion. I feel this way as I was denied prior to even signing the documents before I was denied. When I called, they couldn't answer any of my questions and just directed me to an email I received from them filled with pre-populated rhetoric. Atleast if youre going to be a vulture company, atleast provide the 185.00 % mark up loans you advertise. I was willing to pay XXXX on XXXX and was still denied for reasons very unclear

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Loan servicer : LoanCare at XXXX. 

This loan is a 30 year VA Mortgage but the creditor and loan servicer will not report it as such to the credit bureaus. They are reporting this as a mobile home loan. I closed this loan a few months and signed an actual 30 year Note and VA Mortgage at the closing. They are not reporting this properly to the credit bureaus and this is causing a negative impact on how my credit scores are scoring.I have reached out for a resolution twice now with no response. 

This is not a mobile home loan as my home is classified as real property and I pay taxes as such as well. Please help a veteran have his loan reported properly.

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 2023-05-10
Company: EQUIFAX, INC.
State: TX
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:
When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$3500.00}, XXXX XXXX XXXX Balance Owed : {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: ENOVA INTERNATIONAL, INC.
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2023, I attempted to log into my account in order to pay off this loan. However when I attempted to log in my account was locked out, and a password reset did not work. I followed the companies instructions and first attempted an online chat and then sent an email. 

My email traffic was unrequited, and I finally got in touch with a person on the phone on XX/XX/2023, and was informed by the person on the phone that they refused to accept any payment from me unless I forwarded a bank statement. They said only a manager could take this payment and they would call me in 1 to 2 days. No emails were returned and no phone calls wherever made to me. 

Everyday that I was not allowed to make a payment caused a financial impact as the interest rate of this loan is extremely high. This delay tactic, without explanation caused a significant amount of interest to accrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: Amsher Collection Services, 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: Information belongs to someone else

Complaint:
Collection - XXXX - {$90.00} I have no affiliation with this company Amsher or XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: JPMORGAN CHASE & CO.
State: FL
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:
XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XX/XX/XXXX ] Subject : Dispute of Account Closure and Reversals Dear Sir/Madam, I, XXXX XXXX XXXX am writing to bring to your attention a matter of concern regarding my accounts with Chase and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX account number, not available, open date is XX/XX/XXXX close date XXXX XXXX social on account is XXXX. Account number XXXX ( opened on XX/XX/XXXX ) and account number XXXX ( opened on XX/XX/XXXX ). I have recently discovered that my accounts have been closed due to several reversals through AutoPay. I would like to provide additional information and dispute the closure of my accounts based on the provisions outlined in the Penal Law 15 U.S.C. 1681, Section 6048, Section 2, and Penal Law 15 U.S.C. 1681 ( C ) ( A ) ( 5 ). 

Firstly, I would like to emphasize that I, XXXX XXXX, have always been diligent in making timely payments towards my accounts. However, there were instances where three payments made through AutoPay were reversed. I would like to clarify that these reversals were promptly addressed by making the necessary payments on the following date, which ensured that my payments were ultimately successful.

I strongly believe that the closure of my accounts based on these reversals is unjustified. Penal Law 15 U.S.C. 1681, Section 6048, Section 2, protects consumers rights by ensuring fair and accurate credit reporting practices. Furthermore, Penal Law 15 U.S.C. 1681 ( C ) ( A ) ( 5 ) grants consumers the right to dispute any inaccurate or unfair information present on their credit reports. 

Considering the aforementioned legal provisions and my consistent adherence to timely payments, I, XXXX XXXX, kindly request your immediate attention to rectify this matter. I urge you to thoroughly investigate the circumstances surrounding the reversals and the subsequent closure of my accounts with Chase. I request that you update my credit report accordingly to reflect my accurate and responsible payment history. 

Enclosed with this letter, please find copies of relevant documents supporting my claim, including bank statements and payment records that validate my consistent and timely payments, except for the reversals mentioned. 

I, XXXX XXXX, sincerely hope that you will address this matter promptly and take the necessary steps to correct any inaccuracies in my credit report. I kindly request written confirmation of the actions taken to resolve this dispute. 

Thank you for your time and attention to this matter. I trust that you will handle this dispute with the utmost professionalism and urgency it deserves. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Fay Servicing, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
my husband lost his job XX/XX/XXXX do you to Covid we were unable to make our mortgage payment from XX/XX/XXXX through XX/XX/XXXX the company my mortgage was with that offered me the forbearance plan that would be good through XX/XX/XXXX sold my loan in XXXX to a new company. That company is not working with me to get the, What I thought was a Covid forbearance, And was scheduled to be deferred but that's not happening with the new company my goal is to refinance this loan as soon as I get this taken care of but they are not working with me I am at a loss they keep telling me My mortgage is XXXX days past due

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2023 my account got hacked and initiated a wire transfer of XXXX to a person named XXXX XXXX that i dont know, transfered my XXXX to a account in XXXX XXXX XXXX XXXX I tried to tell chase bank that i dint authorized this and they kept making me file a claim, go to a branch and tell them what happened, i repeatedly say i did not authorize the transaction, and since english is my second language i did not know the difference between a scam and a fraud, i used the word scammed on the first visit but it shouldve been fraud because again, i did not authorize or do any wire transfer what so ever in the bank, the claims department rejected me twice saying " they can not do anything about my money and that i did authorize the transaction, they denied my request and not helping me at all on a fraudulant case. Im  just a working class and XXXX is too big to lose, so id like to get some help from the right people about my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: Fidelity National Information Services, Inc. (FNIS)
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:
chex system is reporting incorrect infomation under my file i had disputed the infromation in my file from XXXX XXXX and XXXX XXXX XXXX they did there investigation and completed it and the banks can not provide anything making the accounts mine expect for one account and the address is not correct either and there reporting it as accurate i called chex systems asking them why they are still reporting the information when they have nothing making these accounts mine XXXX XXXX XXXX can not provide anything on either accounts and XXXX XXXX can not provide anything for one account and the other one is not the correct address i also trying removing address and they will not remove them becauswe what XXXX XXXX states but what they have claiming the account is mine and there proof is not whats being reported to chex systems and also they wont remove it because of an inquiry from XXXX XXXX XXXX XXXX that i never had an account with them and dont recalling tryimng to get an account with them. this is very damaging to me as i can not get a checking account anywhere and they will not remove all this negative information and are still reporting it when they have not been give anytning making it mine please help me

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 2020-11-27
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several medical issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner. 
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 non-monetary relief
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: TN
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 XXXX Account # 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 agencies can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Debt collection agency Crown Asset Management LLC, fraudulent misrepresentation threaten to sue me without written notification about debt. I didn't received or know if I could dispute debt with Crown Asset Management LLC. XXXX offered me a credit card for {$1100.00} after I purchased {$1100.00} of products for my business, unfortunately, I discovered a toxic hazard in the premise and everything have been exposed and landlord evicted me with all my property wrongfully and violate my rights. Since I have been leaving with tremendous anxiety, mental loss frequently and suffered with general illness including brain anguish. Crown Asset Management LLC without my consent file for my credit report that I find that it is a violation from my rights. 
Crown Asset Management without serving any proper paper, have a court date and file his or her file on my file for access to my other court files information. I felt malicious acts from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I have contacted the banks of each that was reporting a new inquiry on my report fraudulently day of inquiry and day after but no response or resolution since XXXX XXXX i have written and called each company to remove inaccurate information and to inform i gave no permission for the inquiry.

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