BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-23
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: Problem with personal statement of dispute

Complaint:
Equifax has been report to my credit accounts that my credit score is XXXX in XXXX of 2019 - My credit score has NOT never been that. This false information caused creditor to close and/or reduced my credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to Experian via certified mail twice to dispute collections accounts on my credit report. The first letter was a follow suit letter considering the fact the two accounts in question was deleted from XXXX  and it is my understanding that collection agencies, furnishers, etc.. reports the same information across all three credit bureaus. I asked for documentation to be sent to me via mail if those accounts are accurate on their end but instead I am receiving correspondence via email when I never supplied Experian with an email as a way to communicate with me in regards to disputes I submit via mail. The second letter I sent via certified mail was a method of verification letter since Experian claims the accounts are accurate and yet again they sent correspondence via email but no proof of how these accounts are being verified as requested by mail. I also have proof of receipt of the certified letters and will be more than happy to provide them. Experian is also in violation of the Fair Credit Reporting Act. As a consumer, I have the right to ask for proof of verification on anything I dispute from my credit report that they say is accurate. This is also my second time filing a complaint since my first complaint stated that Experian did not recognize me as a customer per ID # 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 2020-10-16
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Every time I answer the phone usually at XXXX the woman screams my name. It's very startling. She continues to yell over the phone at me talking to me as if she knows me or is someone I know. She doesn't make it clear she works for a debt collector right away. Her tone and volume of voice are very threatening and she sounds angry. Screaming into the mic at me the second I pick up the phone is harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/2021 Re : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, you have failed to verify that this is indeed my debt. 

I enclosed copies of my requests asking them to validate the debt. I was given no evidence of my obligation to pay this debt to this collection agency. This debt is not mine. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter. 

Sincerely,

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 2020-02-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Per the bankruptcy court, equifax has the sole discretion as to when to remove the reporting of a bankruptcy ... 7-10 years. I have requested they remove my bankruptcy from my report as it has been 10 years, the maximum time for a bankruptcy to remain on a credit report. There is no legal reason for Equifax to deny my request! They have decided, for no valid reason other than it is/was accurate in its information to leave it on the report. This decision is completely arbitrary and makes it discrimation in every way! They are being discriminatory when deciding who to leave a bankruptcy on for and who and when to remove it. 
According to the bankruptcy court, it needs to be removed upon request if it is 10 years. 
Equifax refuses to remove this reporting. I will sue if it is not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX a check in the amount of XXXX was mailed from card services for a balance transfer on an Amazon credit card . The payment was sent by mistake to synchrony amazon. The acct number and name of the individual the payment was for was included on the check. Rather than returning the check due to wrong information, synchrony bank cashed the check on XX/XX/XXXX however the amazon account was not credited the funds. We have a copy of the cleared check. Synchrony was initially contacted XX/XX/XXXX and requested written explanation of what occurred. A letter was sent with a copy of the cleared check. We were told that we should hear something within 30 days but received nothing. Did a conference call XX/XX/XXXX again we were told to send a letter explaining the situation and a copy of cleared check which we did again and to give them another 30 days. Also during the conference call I asked to speak with someone in the accounting dept but was told they cant do that. As of XX/XX/XXXX we still havent received a response as to the status of these funds. Our chardholder has also made efforts and received no response. At this point our cardholder still has a balance on the card he intended to be paid off by the balance transfer, synchrony bank has {$2700.00} of our money. We were told by our card company they are unable to assist further because the balance transfer check has already cleared.

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 2020-05-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a senior citizen trying to purchase a home. I have been pre approved for my mortgage pending a release of my credit report from Experian.. All other reports have been done. I am unable to contact Experian in person. I have also sent them a letter as they requested in their website but with no response. There is no way to speak to anyone there to get this resolved! When I spoke with my mortgage broker he told me he has been told by his credit bureau that this a common complaint with Experian. I was also told by a XXXX representative the same thing! This problem has been going on since XX/XX/XXXX and I have already lost out on the purchase of a home that would have met my needs completely!

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 2020-07-06
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:
I am completely dissatisfied with these companies called XXXX XXXX XXXX XXXX and Experian. I have contacted them several times requesting they be removed from my credit report! They have yet to send me any validation as to how this account is mine! I have sent them proof of the police report attached from XXXX that states my property, identification, and social security information was stolen! They have been reporting on my credit report since XXXX or prior. I have been trying to get them removed for years! This is unacceptable and needs to be rectified ASAP. The most recent letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Not including the amount of times I have called them personally!

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 2019-06-05
Company: EQUIFAX, INC.
State: NC
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:
Please reverse the late payments reported on the following accounts : DEPT OF ED/XXXX {$1300.00} ; DEPT OF ED/XXXX {$2400.00} ; The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
For many years, I had a XXXX XXXX XXXXSynchrony bank card. My credit history showed all payments were made on time and for at least the last few years my balance on this account has been XXXX. I have an excellent paying on time history. Recently, I was surprised to see on a XXXX XXXX report that my XXXX/Synchrony account was closed. I did not close it. For the last few days, I have been planning to call Synchrony/XXXX  to question this apparent error. Today, XX/XX/20, I received a letter from Synchrony Bank re my XXXX XXXX XXXX ending in XXXX, informing me after a review of my account, Synchrony decided to close my account stating the decision was based in Part on my credit worthiness re my score. My score was listed as XXXX. Moreover, had XXXX balance on this card for years and an excellent payment history with this card and with my other credit cards. 

None of the factors that were listed in the letter of XX/XX/20 are relevant to my long term XXXX balance and payment on excellent record of payment on time of my XXXX XXXX. As a result of XXXX decision my credit score has suffered. 

I believe Synchrony bank was unreasonable and arbitrary in closing my XXXX card. 

Accordingly, based upon the letter dated XX/XX/20, which I just received today, XX/XX/20, I believe it would be futile for me to contact XXXXSynchrony Bank to attempt to resolve this situation on my own. 

I thank the CFPB for their efforts in attempting to resolve this matter on my behalf

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 2020-11-22
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Lexis Nexis is reporting a bankruptcy that is not correct. The name of the court, my name and the court reference numbers are all incorrect. Delete off my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: JPMORGAN CHASE & CO.
State: MD
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:
JPMCB granted me a forbearance on my mortgage and credit card, XX/XX/XXXX through XX/XX/XXXX. Unlike the agreement I understood when I applied for this forbearance, They are reporting to the credit agencies. My credit report shows increased balances on both my mortgage and a credit card ( s ) including my other accounts with other lenders. My FICO score has been reduced because of this. Not only has my work stopped because of this government nightmare Covid 19, but my credit score that I have worked so hard to build is hitting the bricks. The credit bureaus should not be allowed to record any increase in balances! This is true for my credit cards at XXXX XXXX XXXX XXXX ( where I am also in the process of receiving a refinancing of my mortgage ), XXXX  XXXX Credit card, XXXX 's. Please tell me who else I can write to and if there is a class action suit in process that I can join? Big banks have no right to manipulate with the credit status of individuals who are affected by a global pandemic. Who is in charge of this regulation on a Federal level? Please send me the name of the agency, and email address I can write to to file this complaint in addition to you. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern : This is a written statement regarding the above medial record number. On Thursday XX/XX/XXXX, I received a notification from XXXX that there was a new collection item added to my account under Design Receivable Solutions Debt Collection Agency, under XXXX : XXXX with a date of service of XX/XX/XXXX. 

I called and spoke with XXXX at Design Receivable Solutions @ XXXX ext. XXXX on XX/XX/XXXX @ XXXX XXXX, who confirmed the collection account is from XXXX XXXX XXXX XXXX in XXXX XXXX, CA. 
I can confirm and prove that I have never been a patient at this XXXX XXXX. I am not a resident in or near the XXXX XXXX area nor have I EVER been. I do not have family or friends in or near the XXXX XXXX area either. I have been a resident only in XXXX California all of my life. Currently a resident of XXXX CA since XXXX ; and previously XXXX XXXX AND XXXX XXXX, CA. I am a victim of ID theft and have been since XXXX. I currently have about 10-15 police reports that I have filed myself and police reports that have been provided to me from various police departments over the years. 

Again, I am not a patient at XXXX XXXX XXXX XXXX nor have I been a patient with this XXXX XXXX therefor I am not responsible for this debt. Please investigate this and remove my name and SSN out of your system or database, ASAP and please notify the authorities. 

I called and spoke with XXXX in XXXX XXXX @ XXXX XXXX XXXX XXXX @ XXXX today, XX/XX/XXXX @ XXXX, who confirmed my identification and provided me with the medical record number and date of service. He also advised me to include in this email : My CA ID and a document showing my address at the time of the date of service that is being billed XXXX XX/XX/XXXX ). This email is also being sent from my employer email which shows the address of my current employer. I also included my employee verification with my start date. 

Collection Agency : Design Receivables Solutions Ph : XXXX Fax : XXXX Account # XXXX Police Report Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XXXX I agreed to a payment plan with capital one to get my account on track. I had to call monthly on the tenth to make a payment of $ XXXX I did that until XX/XX/XXXX. Towards the end of XXXX my account was supposed to go back to its normal payment of {$220.00}. It did. Mind you I have been locked out of my account and it literally just got resolved. I log into my account to see that I owe capital one {$320.00} and some change. HOW?! Ive been on a structured plan. Never missed any payments since the structured plan and when I contacted customer service she says its An accumulation of old late fees. HOW?! Im confused on how if my account was restructured so that I could get back on track why wouldnt these fees be added into the increased payments I had to make?! Why would you allow me to get my account back on track just to slap me with all those fees after its on track. Im not sure about the games capital one is playing and I dont like it. How do I know you guys havent been frauding me this entire time. Telling me I missed all these payments when in fact I may have missed 1/2 maybe 3. I would like my entire account investigated from beginning to end because. if you would pull a stunt like this with the additional fees you hit me with when my account is back in good standing then who knows how many accounting errors have occurred on my account on Capital ones behalf!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Prosper Marketplace, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My son was given two loans that should have never been given to him based on his income debt ratio. The loans were by two separate  companies. One was XXXX XXXX XXXX and the other was through XXXX XXXX. The one was for {$20000.00} and the other was {$17000.00}. Since he could not afford the payments they went into collections, which is where his father and myself came into the picture. 

The one loan was negotiated with a XXXX XXXX XXXX. XXXX XXXX Their address is XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX. I dealt with a XXXX and XXXX XXXX. They of course used all the tactics from nastiness to ruining your credit to garnishing his wages. The other company XXXX XXXX XXXX XXXX XXXX, Illinois XXXX. I dealt with XXXX and a XXXX XXXX. Same tactics very nasty and threatening. It was a very upsetting experience because they play hard ball and your already upset that your child is in this horrible situation, and your trying to help him through something that should never have happened in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Time after time I have submitted a dispute about a fraudulent account on my credit report from Transunion about XXXX XXXX. I have disputed and had the account removed from both XXXX and XXXX but Transunion fails to remove the account no matter how much I try. The account was unable to be verified through XXXX and XXXX which is why it has been removed. I need this account removed from Transunion ASAP as it is hindering me financially.

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 2020-01-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019, I made a direct deposit into my landlords account from my checking account. This money was for my rent at the time ( {$1700.00} ) XXXX XXXX XXXX XXXX dollars. 
My landlord contacted me a few days later to tell me that the money was rejected for insufficient funds. This was not true. The money was indeed in the bank, and too, it was processed by Chase Bank. 

I have been in contact with my bank ( XXXX ) numerous times over the course of these past few months. 
After reviewing my case XXXX determined that the claim of insufficient funds was incorrect, that that would reflect on my account, which it does not. 

XXXX opened an investigation with Chase Bank but Chase refuse to send the money back to me, nor was my landlord given the monies. 
XXXX sent me a letter after me calling them time and time again and sending them a letter wanting to know what was happening. 
They are leaving me to handle the situation. They told me I need to go to Chase Bank to try and resolve this issue, as they attempted to retrieve the monies but were denied. 
It is beyond belief that a bank steals my rent money and refuses to give it back, then I am expected to go them to ask for my money back. 

My bank ( XXXX XXXX can do nothing more at this point. They said that the letter should be enough proof to show that I had the money, Chase bank took it and are denying the return. I am at my wits end and have contacted every agency that I have been directed to by the Attorney Generals Office.

The last being the Office of the Comptroller of the Currency directed me back to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried unsuccessfully to get a loan modification and a loan forebearance. I have also asked for forebearance under the CARES act, and an extension. 

I have not had any luck with the lender.

Company response to consumer: Closed with explanation