BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-02
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
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:
On XX/XX/2016, Credit Acceptance Corp add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, CREDIT ACCEPTANCE CORP has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 monetary relief
Consumer complaint received 2020-05-16
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCA has added derogatory information to my credit report about a debt that is not mine. I have repeatedly contacted NCA by emai, phone and certified mail but they refuse to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by XXXX XXXX regarding an alleged debt owed to XXXX. I did not recognize the debt, I disputed the debt and asked for clarification. This has gone on for several years with various other collection companies. Most recently, I have received collection noticed from XXXX XXXX, then when I again disputed the claim, I began receiving collection demands from Resurgent Capital Services L.P. Again, I immediately disputed the debt and asked for validation. I received communication from Resurgent " enclosing verification of the debt '' which turns out to be an " Account Summary Report '' prepared by Resurgent, adding their collection costs, and a pamphlet regarding Resurgent 's services, with the notation that I should contact them within thirty days or the debt would be deemed valid. In every correspondence, I have specifically requested verification that I owe the debt, I have told them to cease and desist with their debt collection actions, I have sent them all certified mail, return receipt requested. They have received every correspondence. The amount they are trying to collect is {$340.00}. This has been going on for a few years now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have waited over 20 years in order to have my credit report errors fixed by XXXX, XXXX, including trans union. The investigation into my credit report is taking longer due to the facts of negligence of removing errors that they have not corrected in 20 years. 

The investigations that they are performing is due to the fact they are using other bureaus to verify the information and when questioned of how they are verifying it as the other bureaus don't have the account or records by which the account should be deleted as unverifiable according to the fair and accurate transactions acts, fair debt collections act, I have already begun asking for the actual records from those who are reporting to my profile with the bureaus including XXXX  and XXXX  because of the reported facts with their customer service departments not accurately recording the entire transaction by their csr not reporting and recording properly according to Fair and accurate transactions act. 

This pandemic has given other second chances due to situations beyond their control so why should the circumstances be different due to me. I almost lost my life due to a drunk drivers so why should i have to be treated differently by discrimination because loss of life is loss of live so what is the difference between covid 19 its nothing so this is how i feel about the bureaus moving slowly including creditors who i have tried to work with and they have given me nothing. 
.

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 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 spoke to XXXX with Transunion. I requested to have unauthorized hard inquiries removed from my credit report under Section 611 of FCRA. I had already called and contacted creditors without any success. These excessive inquiries are adversely affecting my credit score.

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 2020-08-27
Company: JPMORGAN CHASE & CO.
State: CO
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: Overcharged for something you did purchase with the card

Complaint:
My JP Morgan Chase card was hacked, and they gave me another card. They said I did not have to pay for the items that were fraudulently charged ( almost {$1000.00} at XXXX XXXX ), but then they cam back and added ( without any warning ) {$600.00} in claw-backs from these fraudulent charges. I cancelled my accounts with Chase because they were cheating me. I had about {$3000.00} on the balance, and after I filed an earlier complaint with the CFPB, they called right back, all sorry and everything, and they promised that they would delete the charges. In good faith, I sent them {$2000.00}, which is close to what I owe. they acted like they were going to " clear all this up '' -- but that was weeks ago. All I got was another invoice for the remaining bill, with no adjustment for the fraudulent charges. 

I have never heard from Chase again, after all their XXXX promises to make things right. They should be prosecuted for abusing me, my time, my credit rating ( they have injured my credit rating ( I have proof ) by claiming that I am delinquent on the balance. 

These people are lying thieves. I pay a lot of taxes to my government, and these people always seem to land on top, because they XXXX the XXXX out of people like me. I want someone who works for the Unites States to rattle their cage, and I want them to make some good-faith efforts to correct this situation. I swear if I had the money to afford a XXXX XXXX lawyer, I would take them to court. I don't make a lot of money, and they are doing more than taking money from me -- they are ruining my credit rating, which will cost me even more in the future. 

Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I never received my statement last month so I called them to send another they did three days later still had two weeks to get to them not processed until I asked about two more times they then found my payment the day after it was late!! I kept telling them not to put a late fee on it they tried to force me to pay online or phone but I had sent the check and would have been overdrawn at my bank they said ok no late fee kept pushing to pay online I sent my XXXX payment same day and they got their payment in three days this took two weeks and charged me a late fee and shows on my credit refused to fix it and this month didnt get my statement until XXXX/XXXX/2030 they refuse to work with me and are ruining my credit and charging me late fees pushing me to pay online I have names of who I talked to dates etc using the excuse its the post office everytime funny XXXX got their payment in three days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: CO
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:
SOMEONE HAS OPEN SEVERAL ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND ID NUMBER XXXX DID NOT OPEN THESE ACCOUNTS THE ACCOUNTS ARE FRAUD AND I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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
Consumer complaint received 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 recently received a copy of my ( Transunion ) credit report and I notice there is an unauthorized/fraud credit inquiry made by ( the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 these accounts that does not belong to me and i want it to be remove from my credit report. 

XXXX 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft BBY/CBNA Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I thought the issue was on it's way to a resolution when I received from Ditech, a Mortgage Assistance Application. After getting what was needed to send out with said application, it was sent out. Yesterday a lady came by my home and stated she was a representative for XXXX XXXX. From what I can remember, the first mortgage note was through XXXX XXXX ; later I received notice that the mortgage note had been sold or bought to/by Green Tree. Later, I received notice that the note had been sought, sold or transferred over to Ditech. Since then any letters received have been under Ditech. To have that visit from the lady yesterday, bothered, confused and frightened me, because I believed I was dealing exclusively with Ditech and the name XXXX XXXX has never been mentioned in any manner. I informed the lady that my dealings have been solely with Ditech for many years then and to the present. 

Any information you can give me would be greatly appreciated. As mentioned, it was disconcerting to now have something new come up. Thank you for your assistance. 

XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Convergent Resources, Inc.
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:
This company is reporting a debt that is not owed to them. I sent debt validation request to the company to provide a signed contract or original agreement of the alleged debt they sent me a letter which i will attach with with my name attached to it with an invalid address no signed contract or original agreement was provided as requested in the letter. couldnt find any information in the system for this fraudulent account. This company is in violation of the Fair Debt Collection Practice Act.

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 2021-07-02
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with 12 XXXX and I do not have a contract with XXXX XXXX plus they did not provide me with the original application like I asked. 

Account NoXXXX Amount Disputed : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
American Express overcharged me interest from XX/XX/2019 to the present, going up twice in cost, which ultimately doubled my finance charges. 

I called them today to find out why, and after speaking with 4 different people, no one could say. So, now someone is supposed to call me back. They did lower my interest rate one step below, but did not offer to pay me back the interest that I have been overcharged. 

It was a real joke when " XXXX '' said that well, it is based on prime/libor rates. I told her I was in finance myself and rates have gone down the last 2 years, not up ... so that isn't going to fly with me! 

Very disappointed in what I thought was such a fine company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On, XX/XX/XXXX all my XXXX transactions where credited back to me. 
I called made a claim and they where reversed on XX/XX/XXXX. On XX/XX/XXXX, I got a call for my apartment manager who said my XXXX payment have disappeared. I called chase they said it would be returned in 30days. So on XX/XX/XXXX I called and asked if the money was being sent back to me or them and I was informed it would take another 30 days. Then when I called again they said they sent it back but my apartments dont see the money and neither or my other transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX, I was alerted of multiple hard credit inquiries from XXXX and Capital One. These were unauthorized inquiries, as I did not apply for credit, products, or services from either creditor. I immediately contacted both creditors for suspected fraud/ID theft. XXXX confirmed the fraudulent activity, and advised that any pending applications have been closed and that Id receive confirmation by mail. Any unauthorized hard inquiries would be resolved in approximately 90 days. I then contacted Capital Ones fraud department for resolution. I was advised that there was no record of any activity associated with my name, date of birth, or SSN. Meanwhile, both XXXX  and XXXX showed hard inquiries dated XX/XX/2020. I could not reach resolution with Capital One as they show no record of this inquiry. I was advised to dispute with the CRBs, or send a letter to them to include an account number ( which I dont have ) and other PII.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27
Company: JPMORGAN CHASE & CO.
State: MO
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 haven't authorized this financial institute personally or a consent. I have requested the lender to investigate and remove hard inquiry from the report. They failed to do that. They have responded that they recieved application from XXXX XXXX. I have clearly stated not to authorize this financial institue to obtain my report. Regardless they have obtained my report and this is seriously causing damage to my credit score and reports. I demand them to remove this hard inquiry which I havent authorized. 
Inquiry was made on XX/XX/2019 from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello so i had a Bank of America credit card in the past that i had paid off about two years ago. So two years ago when i paid it off about a month later i noticed charges on it that i did not charge. I informed Bank of America of the charges they took it off and stated they would send out a new card. I never received the new card. The charges happened again. So i called to let them know number one i never received the new card and now number two i have more fraudulent charges. They once again said they would send another card. Still never received it and i was once again hit with a THIRD fraudulent charge. So finally they overnighted a card to me which i received. After that i had no more charges but they tried to make me pay for the third charge that happened. I did not make any of these charges. I have tried contacting them and telling them and i have got no where. So i hired a lawyer in NY where i was living at the time. They had me write 3 Letters one to each major bureau. So i thought that had it taken care of to get it off my credit report. Until recently i got a letter in the mail saying it was in collections. I called the collection agency to explain and they just transferred me to Bank of America. Which i get no where talking to them. This has affected my credit alot. It affected me finding a place to live along with other things such as applying for credit cards etc. It is not fair that they are trying to make me pay a debt in which i did not charge to begin with. Also to add on when i tried to go back and look at the statements when the charges where made the whole month of XXXX had dissappeared.

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 2020-01-27
Company: Phoenix Financial Services LLC
State: FL
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:
XXXX Calls my phone and says has lower interest rates available for me on my credit card. I have hung up on several times but called back today and person who answered said was a private number XX/XX/XXXX XXXX called 2 times XX/XX/XXXX When you call back says number not in service XXXX call rejected when try to return call called 4 x XXXX XXXX XXXX called XX/XX/XXXX If you call number says not working number XXXX called 2 x on XX/XX/XXXX called 1 on XX/XX/XXXX XXXX Phoenix Financial called 2 x XX/XX/XXXX called 2 x XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation