BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-12
Company: World Acceptance Corporation
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
World Finance Corporation has been reporting inaccurate information since XX/XX/XXXX. All three credit bureaus has different delinquency dates. XXXX shows on record until XX/XX/XXXX. I made a payment in XX/XX/XXXX. Matter of fact, payment history has paid on time dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX shows the date of first delinquency XX/XX/XXXX. Also, it shows date of last payment XX/XX/XXXX, however ; XXXX report I made on time payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX shows estimated month and year that this item will be removed : XX/XX/XXXX. 

On XX/XX/XXXX I sent World Finance Corporation a letter telling them about the inaccuracies and they did not make any changes. On XX/XX/XXXX, they sent a letter and in the letter it said, '' We furnish all credit information fully and accurately to the credit reporting agencies and accordingly, we will not grant your request to remove accurate data. '' They have reported my credit history incorrectly per documents and their reporting. 

The account was originally a ten month loan for {$770.00}. The payment was {$77.00} a month. World Finance Corporation report {$610.00}. That indicates I have made two payments, however ; they report that I made on time payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That is XXXX payments which should show {$460.00} since World Finance Corporation sternly put all credit information fully and accurately after being told information was inaccurate. The interest that is added is in question due to the blatant inaccuracies and the refusal to amend inaccurate information after being told. 
I have disputed with the credit bureaus XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX about these inaccuracies with proof and it all came back verified as correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: DISCOVER BANK
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Hi I had a credit card which I am carrying since 2016. I was a XXXX XXXX at that time and the credit limite is {$500.00}. Today, I managing 5 credit cards with a limit of {$12.00} XXXX. 
Discover never notified me or sent me any alert. My credit score went down by XXXX points as a result of a late payment. I have tried to write letters and called multiple times discover and the bureaus. This is the first time a late payment occured. The amount was {$140.00} and was paid in full, the second I learned about this whole situation. Discover bank decided to refund me for late charges and I since enrolled in automatic payments. Today, I would like you to verify please that late charges were refunded, and that discover never gave me a notice by email. I am a frequent traveler and I have been abroad for the past couple of months. I have signed for paperless documents with them, but they still want to communicate by paper for such alerts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
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: Old information reappears or never goes away

Complaint:
Hello I've made mutual agreements for late payments with my creditors for XXXX XXXX XXXX loan, XXXX lender, XXXX XXXX The late payments were removed, but data furnishers went back and reinserted late payments onto my report without notice, after dispute was already closed. the back and forth games are destroying me mentally please help. 

I called original creditor who gave me a hard time and would not honor their word or our agreement, also I called bureaus to see why late payments were being put back on my consumer report, no clear answer was given, XXXX XXXX said they'd give me a pass on my late payment. 

this has caused traumatic amounts of sleepless night and mantel anguish I've complained over and over again Ive sent 10-20 letters for months to get rid of these false late payments I am desperate and begging for help to once and for all get rid of these detrimental marks to 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 non-monetary relief
Consumer complaint received 2021-12-12
Company: Mandarich Law Group, LLP
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have reached out to XXXX XXXX XXXX XXXX and Mandarich Group and requested information in which I have not gotten a response. XXXX XXXX XXXX XXXX and Mandarich Group is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: HOVG, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bay Area Credit Services appeared out of NO WHERE on my credit report claiming that I had a past due balance with XXXX XXXX XXXX for {$540.00}. It was first report on my credit bureau report from this company it appears XX/XX/XXXX. I had no contact. I had no Knowledge of ANY account due because I have not lived at that Address since XX/XX/XXXX. When we left the address in question ( after 5 years ) the owner XXXX XXXX was to have contacted the company to put service back into his name. I have proof of Contacting this company through a dispute on my credit report and I contacted XXXX as well that this is THEIR MISTAKE because of their short staffing during COVID. I tried again to resolve this issue with the COMPANY and was RUDELY hung up on from XXXX - XXXX on XX/XX/XXXX. I again informed her that the landlord was responsible and I have not lived at that address during the time that they are charging for. My address in XXXX was XXXX XXXX XXXX, XXXX pa and my other home at the time was XXXX XXXX XXXX, XXXX, NC and therefore I can 100 % prove I wasnt there. I have contacted the owner AGAIN XXXX @ XXXX as of XX/XX/XXXX via TEXT message explaining that he or the next tenant are responsible for this and I am VERY UNHAPPY it is GREATLY affected my Credit report and SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: SC
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 sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$35.00} ; XXXX XXXX Balance : {$33.00} ; XXXX XXXX Balance : {$35.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-09-22
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX, XXXX XXXXXXXX Date OpenedXXXX Balance : {$0.00} Late/Closed Late Date XXXX, XXXX XXXX Date XXXX Balance : $ XXXX Late Date XX/XX/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 non-monetary relief
Consumer complaint received 2023-08-13
Company: Experian Information Solutions Inc.
State: OH
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:
Experian has all of my info, some right. Most info mainly most wrong... but they do not have this info that shows correct documentation nor the issue of the disputes. nor can you place any uploads to show that you creditors is breaking laws under the fair credit acts. 
it's really a shame that we the USA has such a horrible consumer abusive credit system. we really need a better system. Consumer protection why have these unreliably credit bureaus, save us taxpayers some time and money by closing them and just you guys the consumer protection run things, we consumers must always come and cry to you people anyway because these horrible 3 national credit bureaus never get anything most right, they ruin consumers lives, they allow massive inquires and then the consumer like you will see samples of must suffer. I am sending you the exact same info that I need for the Consumer Protection Agency to get tough with Experian to get them to do my updates plus get a better website for consumers to upload info. Cut us consumers a break huh ... I know I only speak for me that I am sick and tired of paying for lawyers in this bad XXXX economy, can we all get on the same page so I can have money to pay my bills on time not lose my apartment home. and can not get another apt . home in my name due to faulty info on my national credit reports.

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 2020-01-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is with SPS Select Portfolio Servicing.XXXX XXXX, XXXX XXXX XXXX, UT XXXX I am set up for Bi-Monthly autopay withdrawals from my bank account. I received a statement showing no payments since XX/XX/XXXX which means I'm close to two months behind and being charged late fees. When calling SPS customer service the agent DID see I was still active on their autopay program and had no idea what the problem was. I was put on hold several times until we hit 30 minutes and still no resolve. I requested the late fee removed since this error falls on SPS and a resolution ASAP before my credit is affected. The agent, days later never got back to me and this problem should be resolved within minutes. I checked the XXXX  and saw pages of complaints regarding SPS and some were exactly like mine stating some customers could not get assistance or return calls. I could send you that link if needed. 
I have not heard from their ombudsman either and when I called customer service minutes ago they knew nothing about my case but again I was told they would get back to me. I never wanted this mortgage company but after a recent RE-FI, the mortgage was sold my mortgage so I had no control of the situation. Until XX/XX/XXXX, at this time I owe {$2900.00} which includes penalties. I should be paying {$720.00} every two weeks but due to their error, the amount is adding quickly and also affecting the amount of interest paid. Even if or when this is rectified I fear more problems with this company in years to come if something this simple can not be resolved easily.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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: Their investigation did not fix an error on your report

Complaint:
To Whom this may concern, I am not responsible of this account. I am a victim of ID theft. People have used my information to open it and also make fraudulent activities. 
I have sent in multiple disputes and XXXX have removed it of my credit report, but you guys refused to do so. I have submitted my police report and FTC report, with XXXX form of id verifications etc., yet you guys claim that this account has been verified. Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : XXXX. The date you contacted the creditor. 
XXXX. The contact information for the creditor. 
XXXX. The name of the person who verified the item to you. 
XXXX. The method of communication you used to verify this information. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2021-12-12
Company: Shellpoint Partners, LLC
State: MO
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:
As of XX/XX/2021 Shellpoint Mortgage Services shows my prior mortgage account delinquent 30 and 60 days for XXXX and XXXX XXXX XXXX After review of the records with Shellpoint Agents, it has been determined that the payments were made from XX/XX/2021 through XX/XX/2021, the house being sold XX/XX/2021, but the system recognized them as prior payments from Covid forbearance period and did not count them appropriately to the month they were submitted. I was in contact with a representative from your company, XXXX XXXX with the loss mitigation department at the end of XX/XX/2021. I was doing the steps for loan modification. In the second week of XX/XX/2021, I received the documents and she gave me the number for the mobile notary contractor. When I called to get the notary scheduled they stated they did not have an order number. I called XXXX XXXX and informed her. She stated she would get the number processed within a day or two. At the end of the week I still had no number and could not schedule with your contractor. I attempted to contact XXXX XXXX again and the contact number was no longer active. By the time all of this had transpired the sale of my house had closed. I formally request the derogatory remarks be removed from my credit report as I made every attempt to complete the required steps upon exiting Covid forbearance. Your agent hindered the processing of the loan modification, yet I am being penalized for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: JPMORGAN CHASE & CO.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2019, I applied for a mortgage loan to Chase. There was a promotion for ( Preferred Saphire ) Chase credit card holders which gives XXXX points awards ( equivalent to {$1000.00} ) to a customer when the mortgage is closed. I have asked during the application whether I would be eligible for the promotion but did not receive a reply till the closing. After the closing ( on XX/XX/XXXX ) my loan officer informed me that they have evaluated my case and I am not eligible as start of my application was not in the promotion period specified in the website. In response, I have sent them the description on the website which did not include a deadline for application. I have been told by my loan officer that, I have a good case and he will try again with the marketing team. About a month after he came back to me saying that there was a " typo '' in the description and they forgot to add the date but they will not be able to offer me the promotion. All our conversations on the phone and email exchanges were recorded. When I mentioned that I will apply to the CFPB and may need the recordings, they stopped responding to my emails. This is clearly a combination of wrong advertising and disclosure of information, and bad and not timely communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX : # XXXX '' '' '' 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-09-20
Company: JPMORGAN CHASE & CO.
State: WI
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX an unauthorized charge for XXXX showed up on my credit card. I noticed the charge XX/XX/XXXX and contacted XXXX. I told them this was not my order, I did not place this order, and I advised that the address was incorrect to prove it. It was a completely different state it was shipping to. XXXX advised they would contact the carrier to have the package returned. I kept checking with XXXX and they did nothing in the end and the package was delivered to someone else 's address. 

My next move was to contact Chase and dispute the charge once I saw the package was delivered and not returned to XXXX. I disputed the amount and I received a new Credit card in the mail. Several weeks later I receive a letter in the mail stating the disputed amount was going to be applied back to my account and who I needed to contact. I contacted the agent SEVERAL times  throughout two weeks, Between XX/XX/XXXX through XX/XX/XXXX. I was on vacation for the two weeks after that. Not once did XXXX, with Chase, contact me back or leave any messages for me to contact her. 

I contacted the XXXX  to try and get this resolved since no one was calling me to talk about the charge. That, of course, got me nowhere as well. He said he would look into the issue and get back with me. I did not hear from him either and when I called him back he sent me to the dispute center. 

I called again today XX/XX/XXXX, to speak with the dispute department. She called over to the fraud department and came back to me and said they will not take my call and they will call me back. Again, refusing to take my call about this unauthorized charge. Their calls are recorded so the call can be confirmed that they are refusing my call.

Company response to consumer: Closed with monetary relief