BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was notified today, XX/XX/2022 by XXXX XXXX via email that there were new inquiries on my XXXX report and XXXX report, so I immediately looked into this knowing these were not initiated by myself. Experian shows inquiries from the following companies, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX shows XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX shows XXXX XXXX, XXXX XXXX, and XXXX XXXX. All of these inquiries appear to be 'Hard ' inquiries.

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 2019-10-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was looking at my credit for the first first time in 5 years and I found fraudulent accounts on my credit report. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: National Auto Lenders, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Company violated numerous times FBPA- OCGA 10-1-390, XXXX XXXX XXXX XXXX, no title or title bond for 12mos, 7 temporary license plates issued illegally, violated FDCPA by contacting the names as references that were submitted as an addendum to my application, threatening them and giving them personal information about my loan. Reported the car stolen in XXXX XXXX while the loan was active. Illegally repossessed the vehicle in XXXX XXXX. Had to get an attorney, State of Georgia Used Car Commission, XXXX County Auto Theft department involved to get the vehicle back. Filed a civil lawsuit in XXXX XXXX against the XXXX XXXX XXXX. In XXXX XXXX they illegally repossessed the vehicle again, by acting in " self help '' BEFORE judge had granted an order. Quickly sold the vehicle w/o state grace period or offer for redemption while going through court proceeding in XXXX XXXX. Posted repossession to credit with an additional XXXX more than what was owed ... did not subtract the actual sale cost received from the vehicle in XXXX. Company is fraudulent.

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 2019-10-11
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
IQ Data International contacted me about a debt via mail. I sent them a debt validation letter which I have proof they received on XX/XX/2019 and was signed for by XXXX XXXX. They have yet to validate the debt, but have contacted me by phone numerous times since they received the letter in an attempt to collect the debt. They contacted me at times including : ( All times in Pacific Time XXXX : Tuesday, XX/XX/2019 XXXXXXXX XXXX, Wednesday, XX/XX/2019 XXXX XXXX, XXXX XXXX, XXXX XXXX, Thursday, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. In one of the message the caller identifies themselves as XXXX XXXX. The collector has not validated the debt yet has made numerous attempts to contact me to collect the debt which is violation of the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX, XXXX & Transunion is reporting unverified accounts in collections. Accounts have been disputed but Transunion failed to provide proof of these accounts belonging to me. I have no contract with any of the listed creditors below. 
XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX- {$920.00} XXXX XXXX XXXX- {$670.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$280.00}

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 2019-05-30
Company: EQUIFAX, INC.
State: TN
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 ran my credit report to see what was on it. I noticed a few things that didn't look accurate so i sent the credit bureaus a letter requesting them to verify the info on my credit report and to remove the following accts if they couldn't. I am not saying that these accounts aren't mine, but they are NOT reporting accurately. I do not have ANY idea who the 4 collections are to say they are or are not mine, but there is NO creditor info or collection agency info for me to see and they refuse to update it so that i can tell. 

-4 collection accounts with NO creditor or collection agency name ( equifax report only ) I  got no reply with them except for the fact that they verified the information. There was no proof of verification on the accuracy of the accounts in question. On XX/XX/XXXX i sent another letter to them asking for the proof of the above mentioned accounts. I received the exact same updates. I sent another letter on XX/XX/XXXX demanding they remove since the account is still displaying incorrectly and they were unable to provide me the documents stating that it was correct. to date, there has been nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS is not honoring a XXXX Bankruptcy Court Order from Day one. The statements do not reflect and have never reflected the court order put in place since XX/XX/XXXX. I have not been provided an accurate accounting for this loan since the Court Order was submitted to the lender. See Attached : Exhibit # XXXX XXXX XXXX of court order. 

I have tried to contact the servicer, Specialized Loan Servicing, who refuse to speak with me or acknowledge that this is a XXXX Court Order chapter XXXX agreement of a 3 year interest only loan repayment. All payment have been made timely per the agreement. 

From the very first statement the accounting has been incorrect and they are adding fees in excess of {$10000.00} to date. I only found this out by ordering a payoff Dated XX/XX/XXXX, See Attached Exhibit # 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 2021-09-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On numerous occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I reached out to the credit bureaus and company in charge of this account to get it removed for one falling reporting this account and to remove it due to fraud purposes. This account along with its debt does not belong to me or was not authorized by 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 2017-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, Bank of America ( the Servicer ) declined our imminent hardship ( one is a XXXX veteran ) for one of our many US, and one of the Services many, home retention ( loan modification ) options. 

On XX/XX/XXXX, the Servicer declined our imminent hardship ( one is a XXXX veteran ) for one of our many US, and one of the Services many, home retention ( loan modification ) options. 

As evidenced attached A1 and A2, each Servicer decline letters are vague?! 

The Servicers ' decline letters DO NOT ascribe, the Servicer do not evidence, what the Servicers ' REPAYMENT PLAN program guideline delinquency requirements are?, the Servicer DO NOT ascribe, evidence what the Servicers ' basic eligibility rules are?, the Servicer DO NOT ascribe, evidence how the aforesaid disqualify the imminent hardship homeowners for the Servicers ' Repayment Plan. 

The Servicers ' decline letters DO NOT ascribe, evidence what the Servicer 's 40-YEAR AMORTIZATION MODIFICATION PROGRAM requirements are?, and the Servicer DO NOT ascribe, evidence how the aforesaid disqualify the imminent hardship homeowners for the Servicers ' 40-year amortization modification program?! 

The Servicers ' decline letters DO NOT ascribe, evidence what the Servicer 's END OF DRAW MODIFICATION PROGRAM basic rules?, and the Servicer DO NOT ascribe, evidence how the aforesaid RULES disqualify the imminent hardship homeowners for the Servicers ' End of Draw Period modification program?!

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 2017-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I 'm stationed overseas and I can not pay my credit card company. It has drastically affected my XXXX XXXX and they 've offered almost no help at all. Capital One requires a credit card number to log in online but I do not have a card any more. I reported it lost several months ago. They can not issue me another card because my account is locked due to it 's past due status. I may call them, but in XXXX, XXXX numbers are not recognized by the cell phone carriers, so I 'm charged {$1.00} per minute. I spent {$20.00} last month and {$25.00} calling them just now ( XXXX ), only to learn there is n't anything I can do other than continue to pay exorbitant prices to call and pay over the phone. 

Best Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
I currently have an open complaint against ChexSystems. It appears that ChexSystems attempts to circumvent the law and/or just shows complete disregard for what a consumer facing identity theft attempts to explain to them. Chexystems responded to one of the complaints about the fraudulent address on my ChexSystems file telling me that they will refuse to remove the address because I used the address to order a ChexSystem report. The is incorrect. If ChexSystems sent a report to that address than ChexSystems has contributed to the identity theft and helped someone commit a criminal act. I did not order my ChexSystem report rather I was told by a financial institution that I was disputing information with that I should contact ChexSystems because chances are fraudulent information was being reported by them. I am thankful this is all in writing and being recorded through a government agency because now ChexSystems has admitted being complicit in online fraud.

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 2022-04-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been a victim of Select Portfolio Servicing. The problem started when I received a notice that my property was being sold for back taxes. I received a notice that my property was being sold at a scavenger sale in XXXX XXXX. Upon me learning that my property was being sold I contacted Select Portfolio Servicing asking why my property was being sold when I have been sending my mortgage payments for the last eight years on time. Please see correspondence dated XX/XX/XXXX. Inside the correspondence you will see copy of the checks that were cashed by Select Portfolio Servicing. Upon further investigation I received correspondence dated XX/XX/XXXX stating that the checks were never cashed and returned to me because the mortgage was released eight years ago. I then contacted XXXX  XXXX which is my banking institution and they provided me a letter dated XX/XX/XXXX showing that Select Portfolio Servicing was cashing all my checks a total of 88 checks totaling over {$88000.00}. Select Portfolio Servicing has engaged in serious fraud by cashing my checks and not paying the property taxes as required. On XX/XX/XXXX I received a notification that my property taxes were sold in the scavenger sale and the redemption period is up on XX/XX/XXXX. I am a XXXX XXXX XXXX that has been victimized by this servicer and I respectfully request a complete and thorough investigation into their misconduct and their violation of Illinois Deceptive Practice Business Act, violation of Truth in Lending they mysteriously stated that they returned all my checks when in fact I have proof that they cashed all the mortgage payments knowing that the mortgage was released in XXXX. I never received any notification from the XXXX stating that the mortgage was released back in XXXX. For the last 7 years they have been cashing my mortgage payments and never paid any of the property taxes and insurance. I am great danger of losing my property and requesting assistance from your agency and seek and return of the {$88000.00} in mortgage payments that they were not entitled to cash so that I can redeem my property that was sold because of delinquent taxes. Select Portfolio Servicing knowingly and intentionally with a deliberate indifference were cashing my checks knowing that they were not entitled to those payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
fraudulent accounts reporting on my personal credit report, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have over 15 Inquiries that were not authorized by me. I have reached out several times in reference to the inquiries and it seems like I am going in circles and I would appreciate some assistance, Please! I have also added a fraud alert on all three credit bureaus for a third time. customer service would not help and take care of the negative inquiries reporting to 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 2017-12-26
Company: Independent Recovery Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is continually attempting to collect a debt for a man named XXXX XXXX ( not sure how to spell his last name ). 

I have been receiving phone calls for well over 2 years regarding his debt. I have spoken to this company approx 50 % of all calls made to me and i have repeatedly told them that i do not know who this man is, i am not associated with him ; i have even gone as far as speak to a supervisor and gave them MY information. 

I have heard every excuse for a solution " we will remove your phone number '' " oh the phone number you are giving me is not on his account '' .... how else am i being contacted then? 

I have full access through their automated system to this man 's personal financial information, and as i have advised this company on numerous occasions, is illegal for me to access, but they are continuing to give me access. 

When phone calls are made, i try to use the auto system to say i am not this man. i still receive phone calls. If i go through the system to speak to a representative, i have full access to this man 's debt information. 

I have contacted them directly, and nothing is being done about this matter.

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 2022-04-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
on XX/XX/2022, I called my credit card company chase to let them know that I was having a hard time making my payment this month and did not want to be negatively reported to the credit bureau, I was told by the representative on the phone, that if I made a small partial payment of {$50.00}, chase would consider my payment a good will payment towards my debt. They instead reported me to the credit bureau as delinquent because my payment was late. I called in to talk to a supervisor and was told that I was given wrong information by the rep and there was nothing they could do to assist me in updating my credit report. I am in the process of applying for work and buying a home, so any negative information on my credit report will have a huge impact on my life and that of my family. I have since scheduled a payment of {$220.00} to bring me up to date. I kindly ask that chase please help me in correcting this negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting a debt on my XXXX credit report that is not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX ( XXXX ) XXXX. I have made a written request to this company three times asking for a copy of a signed application and information pertaining to the good and services that have potentially been rendered or received for this alleged. To this date, i have not received any additional information to verify this debt belongs to me. This incorrect information is impeding progress on my ability to obtain financing for a home loan and i would like it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX XXXX is still showing on my credit reports, this is a debt that 's over 7 years old and should automatically be removed from my credit report, the debtor has written this debt off and due to new law ruling passed effective XX/XX/XXXX, no judgments are to be reflected on your credit report also due to : Federal Trade Commission, Office of the Attorney General, Department of Banking and Finance, Office of Thrift Supervision, Better Business Bureau, Advocates for Fair Credit Reporting this must be deleted from all 3 credit bureau 's effective immediately and to date this has not happened after several letter attempts to XXXX XXXX and Experian by law this is illegal. Please remove from all 3 credit bureau 's immediately. I was advised from a free legal counsel service which advised it is against the law for XXXX XXXX to attempt to sue for garnished wages of which they attempted to do in XX/XX/XXXX, even the court advised they are not allowed to attempt to ever sue for garnished wages again.

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 2022-02-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are many accounts on my credit file that either are not mine or placed there in error by the credit report agencies. I am not associated with the accounts and after a few attempts to correct this error I am now taking my complaint to the next level. There is a list of US DEPT ED, XXXX XXXX, XXXX XXXX XXXX XXXX amongst other accounts listed that I clearly stated are not mine. I have not once received any proof that I have the credit reporting agencies permission to furnish such information on my file per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. I should not have to fight to get anything corrected or removed when the only validation of any account or accuracy comes directly from me per law.

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