BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-26
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Late last Summer I was told that XXXX XXXX would be changing its credit card service from XXXX to American Express. On XX/XX/XXXX I called both American Express and XXXX XXXX and told them that I did not want an American Express card. I talked to XXXX XXXX ( XXXX ) XXXX, XXXX at Am. Express. Since that time I have contacted both American Express and XXXX XXXX many times adamantly expressing that I did not want XXXX XXXX to share information with American Express due to previous problems that I had with XXXX. XXXX. Early in XXXX I received a American Express card in an envelope which I did not open until last month. I have not activated the card. I sent multiple emails, letters and calls to both XXXX XXXX ( letters and email XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) and American Express ( Letters and email XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX ). Also, there were numerous calls. They shared my personal information contrary to my express wishes ( that were made clearly ) and transferred money without my permission. They can not close the account without my permission which I have not given. I wanted to have evidence as to who was responsible, which American Express recently blamed on XXXX XXXX. ( note some of the letters were sent with tractability via USPS. Some calls were recorded and emails copied. American Express did not like the fact that I record my calls, as allowed in Georgia, and refuse to call me. P.S I posted this on XXXX. I don't know if the lapse in security caused it ; but, I had an attempt for someone to purchase an American Express card ( {$100.00} ) from a different credit card account ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: JPMORGAN CHASE & CO.
State: VA
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 rewards from credit card

Complaint:
My XXXX XXXX XXXX number is XXXX. We had earned 2 free night certificates through the Chase XXXX credit card. I had written down an expiration date of XX/XX/2018. We have booked a trip to XXXX and the last part was booking the XXXX XXXX XXXX, but when I went online the certificates were not there. I called the customer service line and was told the certificates had expired and was told to contact Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 called transunion numerous times. They have agreed to delete these inquiries and it is still reflecting on my report. I want these inquiries deleted immediately. They are in violation of the laws.

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 2018-09-26
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Certified letter requesting validation was sent to XXXX XXXX. 
C/o Resurgent Capital Services XXXX XXXX  XXXX XXXX, SC XXXX This is the collection agency for XXXX XXXX XXXX XXXX XXXX. 
I have not received anything in response. Also after looking on the State of Texas website, XXXX, Resurgent Capital Services or XXXX XXXXXXXX XXXX  are not listed as bonded in my state to collect debt. 
I am asking for this account to be removed from credit report with all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2014 I was admitted to the hospital with XXXX XXXX caused by XXXX XXXX in the apartment I was living in. After being released from the hospital I continued to have issues and was sent to see a XXXX XXXX. He determined that the continues exposure to the mold was causing damage to my XXXX and advised me to move out of the apartment as soon as possible.He also sent the apartment a letter stating that my remaining in the apartment was detrimental to my health. Since my lease was almost up I went ahead and paid my lease up in full. However the XXXX XXXX XXXX XXXX XXXX told me that I didn't give them 60 Days notice I was moving out I would have to pay them for not providing them with 60 days notice despite the letter from the doctor. They turned this over to IQ Data International for collection. I tried to work with the apartment complex and their lawyer. They refused to work with me. Since that time every year since then the amount has gone up. It is now over {$4000.00}. I have permanent damage and can no longer work. I don't feel that what they did was fair or right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: BARCLAYS BANK DELAWARE
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:
In the year 2013 my identity was stolen, unbeknownst to me, someone used my government issued social security number to obtain goods and services using my personal information. this theft begin to take place while I resided at XXXX XXXX XXXX XXXX. I have sent notification of the invalidity of these debts to this company along with my tax return showing where I was residing when the account was opened ( copies attached ) via certified mail as advised by my council A COPY OF THESE REQUEST AND FILES HAVE ALSO BEEN SUBMITTED TO EACH CREDIT BUREAU VIA CERTIFIED MAIL AND SECURED FAX, I have sought council and gathered all the information, reports and followed the law in order to take the necessary steps to restore my good name, HOWEVER THIS COMPANY continues to report this invalid fraudulent account. I have attached the ID THEFT packet again with my police report, proof of address when account was opened and my proof of identity account # 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 2021-03-03
Company: R & B Corporation of Virginia
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$690.00} CREDIT CONTROL CORP XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX Balance : {$4500.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX. XXXX  XXXX XXXX stating my account has been assigned to their agency for collection. The debt was originally for XXXX XXXX XXXX XXXX and the amount owed is {$3600.00}. The letter is dated XX/XX/2018. This debt was not incurred by me ; I have never been to this establishment. I believe this is an error in billing or a fraudulent identity scam. XXXX. XXXX XXXX XXXX has put this case on hold and advised me to submit a claim to the consumer FTC. They strongly recommended that I check my credit rating for other fraudulent activity.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 sent in police reports showing that XXXX XXXX accounts are fraudulent along with FTC form. XXXX and transunion continue to report inaccurate information.

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 2018-09-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage loan is currently serviced by Chase Bank. The entire mortgage loan was discharged in a Chapter XXXX Bankruptcy. The mortgage statement shows that the mortgage note has been discharged in bankruptcy and a new mortgage note was never established. Collecting money on a discharged mortgage debt is a violation of the Federal Bankruptcy Code. Bankruptcy Courts may use their contempt power under Section 105 of the Bankruptcy Code in awarding damages for a creditors violation of the discharged injunction.

[ 1 ] See XXXX XXXX v. Chase Bank USA N.A., Adv. Pro. No. XXXX, Doc. # XXXX ( XXXX. XXXX XXXX XXXX ). 

[ 2 ] See XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX, Adv. Pro. No. XXXX, Doc. # XXXX ( XXXX. XXXX XXXX XXXXXXXX4 ). 

The attached statement shows that there is {$580000.00} current principal due, but verbally Chase advised that {$670000.00} current principal due. There is also a deferred amount of {$92000.00} due and a capitalized interest balance of {$22000.00} due. Chase could not explain the accounting methods utilized on the statement. The lien position at the time of the bankruptcy discharge has not been disclosed. The loan modification that was executed shows an interest amount due of {$67000.00} and {$51000.00} in past due escrow. The interest due at the time of the modification was 18 months and escrow was listed as 60 months past due ( see attached ). This is mathematically impossible and Chase has not been able to explain the accounting. Chase Bank also has an obligation to process the loan modification with transparency and clarity per the XXXX XXXX XXXX of XXXX. Chase Bank has refused to cooperate and is threatening foreclosure action. Chase Bank also has an obligation to offer mortgage assistance per the CA Homeowners Bill of Rights. Chase Bank is in violation of both the XXXX XXXXXXXX XXXX  of XXXX and The CA Homeowners Bill of Rights. Overall the past loan modification has trapped me into a dire financial position for the long run, likely pushing me into foreclosure. Ultimately, I am trying to save my home and I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: EQUIFAX, INC.
State: MI
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 am a victim of identity theft. I submitted my police report, copies of my drivers license and social security card and a letter to Equifax detailing the fraudulent accounts ( XXXX XXXX  XXXX XXXX & XXXX XXXX XXXX ) that are reporting in error in my credit report. I referrenced the Fair Credit Reporting Act Section 605B in my correspondence to Equifax and requested that the fraudulent accounts be blocked pursuant to federal law. Equifax did not complete this request in the 4 days as required by law and rather opened a dispute and verified fraudulent accounts by confirming my name and date of birth, both of which have been compromised. Equifax continues to disregard federal law by willfully reporting erroneous information on my credit profile that continues to cause me harm both financially and mentally. I have not benefitted nor did I authorize the accounts that Equifax continues to report after being notified by myself and law enforcement that are fraudulent ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
VA claims a debt was owed to them since XX/XX/2019, when they made no attempts to contact me whatsoever. I only found out after I received a notification that my credit score had dropped. Given that I was not notified of the debt, and the VA is unable to prove they attempted to contact me, the credit bureaus should remove the negative note from my account but are refusing to investigate further into the matter. Furthermore, I paid the VA debt after discovering it, with the account closed in XX/XX/2019. Experian is still reporting the debt as in collections even though the debt is paid and I have submitted proof of payment to them.

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 2018-03-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
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:
there should be a catagory for ''CREDIT REPORTING CRIMES AND FRAUD '' this would explain chexsystems making bad reports on my good name WITHOUT HAVING ANY TANGIBLE PROOF OF ANYTHING, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND they send me a letter i have a ''consumer file '' how did that XXXX  happen? I am not thier comsumer, can i see evidence that im a consumer of chexsystems? SHOW IT TO ME, AND WHO THE XXXX MADE ME A CONSUMER NUMBER WITHOUT MY CONSENT? AND THIS IS A CRIME FOR SURE, LET ME GET THIS STRAIGHT FOR THE UMTEENTH TIME, IM NOT YOUR CONSUMER, IM NOT YOUR MEMBER, IM NOT YOUR CUSTOMER, AND YOU CAN NOT HAVE MY SOCIAL SECURITY ACCOUNT ACCESS, ITS A TRUST ESTATE ACCOUNT AND I FORBID XXXX   TO ACCESS IT, AND NO IM NOT GOING TO VISIT YOUR WEBSITE BECAUSE I DO NOT HAVE A CONTRACT WITH YOU CRIMINALS, AND IM NOT GOING TO CALL YOUR XXXX XXXX ON THE PHONE WHICH ASK ME FOR PERSONAL INFORMATION WITCH IS NONE OF YOUR XXXX  BISNESS, I WANT TO KNOW ALL WHO YOU ARE REPORTING FOR AND I WANT FULL DISCLOSURE OF ALL REPORTS WHICH YOU HAVE FAILED TO DO OVER THE PAST YEARS AND COMMITTED MORE FRAUD AND CRIMES

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 2018-03-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian does not allow its members to cancel their memberships online. You have to call their XXXX  number, where you're placed on hold for about two hours before you can finally speak to someone. I've tried waiting on hold multiple times to cancel, but have been disconnected each time. They obviously do this to force people into giving up, and continuing to pay the monthly fee. Below is a link to a consumer reporting page with over 1300 complaints like mine.

XXXX 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 2020-11-27
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:
XX/XX/2020 ( I don't have specific dates ) my credit account with XXXX XXXX XXXX XXXX was no longer being reported to Experian and was removed from my credit report. Since then, I've been going back and forth with them and Experian letting them know the account was removed from my report and it needs to be reinstated. The account is open and I can use the card associated but it's not on my credit report. I keep getting the runarounds and I'm exhausted.

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 2018-09-26
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have noticed AFNI, Inc, and told them to CEASE and DESIST and I've demanded information from them as well as demand that they delete this account from my credit file.

I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with AFNI, INC or anyone they claim to represent. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
Dear CFPB - I am resubmitting my complaint against SHELLPOINT MORTGAGE SERVICING. Please refer to closed complaint XXXX for additional history. Shellpoint Mortgage has advised CFPB that they have not reported any new events to the CRA 's since XXXX, which is false. On XX/XX/XXXX, Shellpoint transmitted an update to XXXX that my account was in a delinquent status, which is false. As stated, the servicing of my mortgage was transferred to another party in XX/XX/XXXX. CFPB, please investigate as to why Shellpoint refuses to update my XXXX from a delinquent status of 120 Past Due. I have included snippets from my current report and the credit monitoring alert which indicates Shellpoint just recently updating my account status. This event update contradicts what Shellpoint Complaince Dept XXXX XXXX states in her response to my CFPB complaint # XXXX. XXXX also goes on to state that Shellpoint must report account transferred, but this is another contradiction to what has actually been reported to the CRA 's. Example enclosed. I am requesting for the CFPB to reinvestigate this matter. Shellpoint 's response was more focused on my payment history and not what they are currently reporting to the CRA 's instead of the current status of the account with Shellpoint, which is closed with a XXXX   balance, account transferred. I think the CFPB prematurely closed my initial complaint because of payment history and bankruptcy fluff written by XXXX XXXX. Now I have included documented proof to support my complaint about Shellpoint.

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