BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: IN
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my 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 2019-06-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called Wells Fargo to close a credit card last fall. I used to have a checking account with them and would periodically sign into my account but have since closed that. I only just discovered through a credit reporting agency, however, that the card was still open and that I was assessed an annual fee in XXXX and then late fees every month thereafter until XXXX. I have not used the card in years, and thought it was closed. I just called to ask if the card had been closed, and in any case if I could be refunded the annual fee and the late fees. I was given a roundabout answer and transferred to a few offices, and none of the representatives I spoke with could clarify what the process for " investigating '' the card 's status would be.

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 2019-06-19
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My Chase credit card online acct has a link to " Credit Journey '' and I have received several emails either congratulating me for enrolling or providing 'terms and conditions ', etc. I never requested, enrolled in, or authorized this service. I don't want it and I don't need it and will never use a service like this. I called Chase about this and they referred me to " Credit Journey '' who told me to sign in to the credit journey  acct to cancel. I told them I was unable to sign in because I never enrolled or registered with them. Neither Chase nor  Credit Journey will ( or know how to ) resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: EQUIFAX, INC.
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services,  LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : I have recently obtained a copy of my credit file with Equifax report and I note that there is negative information being reported by XXXX XXXX XXXX  XXXX XXXX, OH-XXXX ( XXXX ) XXXX I see an entry listing payment late or missed. 

I challenge the accuracy, compliance, and reportability of this listing. 

Please validate this information with ( name of creditor, collection agency, or court ) and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security Number. 

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful records of your actions, including your Method Of Verification. I do not consent to XXXX  or any other means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action of against your company seeking {$1000.00} per violation for 1 ) defamation, 2 ) negligent enablement of Identity Fraud, and 3 ) violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Dovenmuehle Mortgage, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I contacted Dovenmuelle Mortgage requesting to remove the PMI from my mortgage. As instructed by the bank, I Mailed them a check for {$450.00} to have the appraisal done and they chose XXXX XXXX XXXX. On XXXX XXXX, the appraisal was done and it was determined that the house was worth {$630000.00}. When I reviewed the appraisal, I immediately noticed that the appraiser failed to include a house located on my street ( about XXXX houses away ) that is identical to ours in architecture-same interior and exterior layout and square footage ( a XXXX XXXX ) which sold for {$760000.00} on XX/XX/XXXX. It is evident that the appraiser is inexperienced and unfamiliar with the real estate market in my neighborhood ( XXXX XXXX in XXXX XXXX, XXXX, NY m ) ; the appraisal company used by my mortgage company is located in XXXX. 

I decided to contacted XXXX XXXX, the company that sold the property for {$760000.00} on my street and they provided a market comparable analysis on my property and the value came back at {$740000.00}. After numerous failed attempts to speak with a representative from Dovenmuelle Mortgages Research department, I decided to pay for an additional independent appraisal, even though this was not requested by the mortgage company. The appraiser from XXXX XXXX XXXX XXXX XXXX determine that the house was worth {$760000.00}. Furthermore, the appraiser reviewed the appraisal done by XXXX XXXX XXXX and provide a rebuttal letter detailing the mistakes made by this company. I submitted the new appraisal along with the rebuttal letter to my mortgage companys Research department in XX/XX/XXXX and I received a final response from the company a few weeks later stating that the value of my home was {$660000.00}. I called the mortgage company and I spoke with the customer service manager who apologized for all of the inconvenience, but she couldnt help as she was not from the research department. I do not understand when and how it was determined that the value of my house increased to {$660000.00} when a new appraisal was never done by my mortgage company. Was this determination based on the independent appraisal and rebuttal letter that I provided? All I want is for a new appraisal to be done by a company that is familiar with the XXXX XXXX/ XXXX XXXX XXXX , but i have not been able to speak with a representative from my mortgage companys research department who would be able to explain the reasons behind their decision and if my request for a new appraisal can be granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: Experian Information Solutions Inc.
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 have tried unsuccessfully to submit my dispute of Identity Theft to the Credit Reporting Agencies. I have all of my supporting documents yet after two attempts at each I have not gotten the results the law according to the FCRA states.

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 2018-11-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are trying to work with sps mortgage to fix our home loan. 
We uploaded the application we filled today and sent to them. 
We have been trying to work with sps mortgage for years now and they just keep denying us without good reason they just dont want to work with us. 
this was a bad toxic predatory loan originated back in XX/XX/2006 misrepresntion on terms of loan and forgery on documents from the loan broker.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC has appeared on my recent credit report i am not familiar with this dept, it is not mine and should be removed from my credit report. 
XXXX was removed from my credit report and had lack of verification which was sold to ERC who has reage this account which is illegal i am also questioning ERC ability to report. 
Im asking that i recieve the original contract from XXXX showing that this is indeed my debt and also there ability to reage this account, this is multiple laws that ERC has broken i will also be sending this complaint to the FTC for them to review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
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:
i have four account on my report from two different student loan companies. My loan has been transferred to federal loan servicing, and these accts have closed. i do not want them on my report as they are no longer my accounts. i spoke to experian and told them i have not had a problem with XXXX or XXXX, i was told that experian can make their own policies on their reports and they CHOOSE to leave an account ( even if it is no longer yours ) on your report. I feel that this is not right, how is somebody to clean up their reports if a credit company can make up their own rules!!!!!!

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 2018-11-05
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to XXXX XXXX XXXX/XXXX XXXX which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. XXXX XXXX XXXX/XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: AL
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 disputed this account twice with Experian and XXXX  due to inaccurate and incomplete reporting information. I also requested validation, but did not receive it. There is definite inaccurate information that the representatives over the phone have even stated that they see. However the account is still reporting with inaccurate and incomplete information. The open date is reporting as XX/XX/XXXX. However, the company is reporting the first delinquency in XX/XX/XXXX. How is there a delinquency on the account BEFORE the open date? This is obvious inaccurate information. Experian and XXXX have allowed the company, XXXX XXXX XXXX, to verify this information as accurate TWICE. There is also incomplete information. The last payment date is missing. The payment history is incomplete. The past due balance is missing, but the account is reporting as a collection. This is obviously incomplete information. The representatives over the phone with Experian and XXXX  stated that they see the information, but they have to go by what the company reports. This is not true. The credit reporting agencies are responsible for ensuring that accurate and complete information is being reported. Otherwise, a company can report anything to you.

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 2019-06-19
Company: FC HoldCo LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Per my earlier compliant # XXXX in which I stated that Flagship failed to acknowledge my loan payoff receipt until after I had to get XXXX XXXX involved I feel that Flagship intentionally withheld applying the payment upon receipt in an effort to accrue interest on the payment and leave me with a balance due instead of a XXXX balance. This in addition to the fact my payment seemed to be different every month is why I demand a full report of all payments and how payment amounts were calculated from the beginning of my loan until the end. I do not believe I should still have a balance due if it was refinanced. Based on the feedback I've received from other past and Flagship customers I am looking into a class-action suit for fraudulent business practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: WELLS FARGO & COMPANY
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:
On XX/XX/XXXX I settled my credit card debt with Wells Fargo for {$680.00}. I received no documentation or proof of that this debt has been settled. I only have a bank account statement that shows the payment has been processed. It is my right as consumer to receive documentation that the debt has been settled and an agreement that I will no longer be harassed by debt collectors. I called Wells Fargo on XX/XX/XXXX several times and went into the bank on XX/XX/XXXX asking for proof that my debt was settled or a statement showing me how much I owed on the account so I could pay it. They not only refuse to give me proof that my debt ever existed or was settled, but they have denied me online access to my account which once showed my balance and gave me a way to pay it.

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 2019-06-19
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is a re-submitted Complaint CFPB Ref No : XXXX We received a letter from American Express, dated XX/XX/2019, ( AmEx Ref : XXXX ) that they could not respond to our complaint because they needed authorization from XXXX to provide information to respond to the complaint. Subsequently, we received an e-mail from the CFPB that the complaint was closed because American Express was not able to provide a response because we had not provided that authorization. That letter directed us to call XXXX, which we did today ( XX/XX/2019 at XXXX Central time ). Unfortunately, after speaking with 3 representatives ( XXXX, XXXX and XXXX ), American Express refused to allow us to provide that authorization. Instead, they directed us back to filing a complaint within American Express, which we had already done. 

For that reason, we are re-lodging our initial complaint for the reasons stated therein. And, we further allege that American Express ' practices in responding to CFPB complaints constitutes an additional violation of consumer financial protection laws in that those practices have the intended and actual effect of presenting consumers from successfully lodging complaints with the CFPB and other regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is an official grievance against TransUnion situated in XXXX. XXXX XXXX XXXX, PA XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. For starters, they're reporting a flawed & unverifiable account on my credit document and in addition an account in which I've called for substantiation of the claim and in which they have not been able to present, per the FCRA. For yet another time, the following are fraudulent and need to be removed : XXXX XXXX XXXX, XXXX # XXXX Date Opened XX/XX/XXXX. XXXX XXXX, XXXX # XXXX Date Opened XXXX. XXXX XXXX, XXXX # XXXX. Date Opened XXXX- XXXX XXXX XXXX XXXX XXXX # XXXX. Date Opened XXXX- XXXX Regardless of my goals to resolve this unpleasant nightmare for a number of months now, XXXX. XXXX XXXX XXXX, PA XXXX has entirely ignored my interactions and legal submissions to delete this incorrect information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon.

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 2019-05-18
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: Account status incorrect

Complaint:
CAPITAL ONE XXXX Has been deleted from XXXX and XXXX, but still remains on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: EQUIFAX, 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 already have a complaint because a account is showing on my credit report with Eqifax, Who would not remove the account. It has come to my attention that a hard inquiry was placed on my credit report dated XX/XX/2019 for XXXX XXXX that does not belong to me.The complaint number is XXXX with the CFPB. The name may match up but the last four of my social security will easily clear the matter up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Bread Financial Holdings, Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has been reporting to my credit report for years, which is damaging my credit. I have received NOTHING in the mail to verify what this is, and to my knowledge I don't owe anything to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: ALLY FINANCIAL INC.
State: NC
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:
I went to XXXX XXXX XXXX XXXX in XXXX, NC, yesterday, XX/XX/2020 to shop for a new truck. They ran my credit and I said if it didnt look like they could do it, we didnt want to try, but today there are 6 inquiries on my report. I had no idea that they would all show up, especially since we only went to one dealership and didnt ask to run it multiple times.

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