BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-12
Company: ONLINE Information Services, 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:
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! 

The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: SYNCHRONY FINANCIAL
State: SC
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:
XX/XX/XXXX I viewed my XXXX XXXX  app on my XXXX report for Hard Inquiries and saw : XX/XX/XXXX, XXXX, XXXX XXXX XXXX. I didnot initiate a request from XXXX. On XX/XX/XXXX, I called XXXX fraud dept. and was told that XXXX XXXX XXXX XXXX is fake, and they dont show an inquiry being made about me on that date. They said they would not provide me with a letter and to contact XXXX. On XX/XX/XXXX I called XXXX and was told to make a police report for fraud.They gave me a file number, it is XXXX. Please help me. I just want this hard inquiry taken off my credit file with 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 2020-05-10
Company: SYNCHRONY FINANCIAL
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:
Inaccurate information on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Experian Information Solutions Inc.
State: AZ
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 been trying to get the people that work at Experian to remove all of these negative entries off of my credit report on multiple occasions throughout 3 to 4 years. I have sent multiple letters to them asking them to validate the debts. In order for a debt to even be legitimate and added to a credit report they need to have the original Contract that both parties signed which will prove that the debt is legitimately mine. They have not done this at all.

The people at the company refuses to send me anything I have asked for. They just continuously send me the same thing over and over again. They are fraudulently keeping this entries on my report and I have no idea why. I have told them that there is NO contract that exists for any of these. They know there is no contract that exists but they still repeat the same process with me in a cycle and they are making me waste money and resources re-sending them documentation and letters to have them validate something they know they can't validate instead of just removing the entries.

Again I know there are no contracts that exist and they know there's no contract or else they would have provided one. So I wish they would stop making me go in circles and just remove the entries.

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 2020-06-28
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I created a new account with chase bank on XX/XX/2020 under my name XXXX XXXX. I put my money it in no problem and I created the account online and wasnt able to put my fianc on my account until I could go to the bank, and he wasnt off for a while to where we could go. So I took his XXXX XXXX check from XX/XX/2020 and he signed it over to me to deposit through the app. I didnt know this would create a problem where I couldnt use my checking account, I cant even get my money out and I need my money ASAP for rent and bills. I was told over the phone on XX/XX/2020 that they were just verifying the check and my account would be back up on XX/XX/2020. So XX/XX/2020 I got a letter dated XX/XX/2020 that said they were going to close my account. When I called I kept getting transferred around and finally disconnected after waiting over an hour. I seriously just need my money as soon as possible, I would prefer my account be fixed if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my mortgage to Roundpoint Mortgage on XX/XX/2021, which is confirmed by a letter I received from them with that date. The company owes me a refund of over {$3000.00} from the escrow account they held. 

My understanding is Roundpoint, by law, has 20 business days to submit a refund to me. This has not happened. 

On XX/XX/XXXX, I called Roundpoint to inquire about the status of my refund. The customer service representative I spoke to said that, according to their records, a check was cut on XX/XX/XXXX and was mailed out via USPS on XX/XX/XXXX. And they blamed my not receiving the check on the USPS. 

On XX/XX/XXXX, I called again and received the same answer. Not satisfied, I asked to be transferred to a supervisor. I then spoke to XXXX XXXX in the Escalations Resolutions department. She said she usually tells customers to allow 30 days to receive a check in the mail. 

As of today 's date, that check has still not arrived. 

And, doing a search on reviews of Roundpoint Mortgage, I see the company has nothing but complaints and a star rating of 1.5. 

I am not the only consumer whose funds have been, and are being, held hostage by this company. 

I'm happy to provide you with any information you require, like the loan number, or whatever, if you are able to look into this for me and help me resolve my problem. 

More importantly, I think the world needs to know that Roundpoint Mortgage is a horrible financial institution and a lawsuit should be filed against them for blatantly breaking the law. 

Let me know if you have any questions or require any additional information. 

Thank you for taking a look into this.

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 2020-01-20
Company: ID Analytics, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied on XX/XX/2019 for a XXXX XXXX Visa card and I was denied via letter on XX/XX/201. Letter stated : Too few Bankcard accounts - I have 2 XXXX and XXXX XXXX XXXX Date of issuance of applicant 's ssn does not match date of ssn of peers. ( I have no idea what the heck this even means! ) Not enough Credit Experience - I have over 30 yrs credit. XXXX, XXXX, XXXX XXXX, and A XXXX Mastercard which they just switched from a XXXX Visa Too few revolving accounts - 1 have 4 XXXX, XXXX, XXXX, XXXX XXXX Your Credit Score : XXXX My credit score is XXXX! 

I have called Sagestream LLC XXXX XXXX different times one of which was again today! They do not return my calls. I have left messages that their credit reporting info in order to get the XXXX visa card is incorrect and they will not return my calls. 

I filled out another application on XX/XX/XXXX after I sent them an email telling them that what they reported to XXXX was incorrect and the 2nd app was also denied!. I called XXXX directly and they could not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES 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 been trying to get PORTFOLIO RECOVERY to be removed from my credit report. PORTFOLIO is reporting an inaccurate balance amount of {$10000.00}. Account status says open and it says I'm 120 days late on XXXX XXXX, but the XXXX and XXXX of 2020 report say " OK '' status. I have disputed with all three major credit bureaus to with no removal of this account. I have sent letters directly to portfolio recovery in an attempt to resolve this matter. this company is reporting inaccurate information and in doing so it really hurts my credit score.attached is a recent identityIQ credit report marked for your convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity theft, which I have previously stated, somebody's account is on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Im submitting this on behalf of my claim of financial deceptive of myself and my XXXXyo elderly mom. My mom, Mrs XXXX, XXXX Illinois took $ XXXX loan 2 years ago at OneMainFinancial, XXXX XXXX, XXXX, IL It was rewrotten twice, {$1500.00} and {$2500.00} for a total of $ XXXX to pay property taxes and a few home repairs. She understood these amounts would be added on she is on SSN, $ XXXX month fixed income. What appears to have happened is each time the loan was rewritten interest was added as principal thus paying 24.99 % interest on interest x3. I understand her wanting to maintain her independence but now with the payments so high she cant afford to live in the very house she told loans out to pay taxes on. Shes kept tract and paid back almost {$6.00} with a bill that says remaining balance {$12000.00} AND interest continues to accumulate. She did not understand adding on included unpaid high interest, she would not have agreed to that had she understood what the total payback payments would be. How is this not unfair deceptive unethical elder abuse/extortion? She is the involved party but I am filing the complaint that she was taken advantage of and a victim

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Over the weekend I had small pending charges to my account and I had pending receiving credit which would bring my account to much higher positive rather than overdrawn. I believe, since they are going by the debit charges when they are clearing, the computer is generating a {$34.00} fee per item ; I was charged ( 3 ) three times : {$100.00} total. It was not a situation that I was cleared a negative for 24 hours but the same day transaction.

I spoke with ( 3 ) three Chase Manager Bankers and none of them had the power to override the computer error. The same situation happened to me this past XX/XX/XXXX and I was able to get credit, but this time they insisted that they are not able to offer me the credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit report pulled because every time I kept applying for credit cards I would get denied. To the best of my knowledge I have always paid my bills on time. There are several items on my report that need to be removed. Can you please remove these items from my report. 

12 XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$4100.00} XXXX AR XXXX {$240.00} XXXX XXXX  XXXX {$440.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX  TX XXXX {$240.00} XXXX  XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  TX XXXX {$460.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  TEXA XXXX {$240.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  TX 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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Im demanding that the following unauthorized accounts be removed from my credit file. These accounts are an direct result of my identity being lost and compromised. Please remove the following. 

1 ) XXXX XXXX XXXX {$590.00} 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) Dept of EDXXXX XXXXt {$31000.00} 6 ) XXXX XXXX  7 XXXX XXXX 8 XXXX XXXX 9 ) XXXX 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 2018-06-12
Company: M.A.R.S., Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I knew an account was being sent to Mars INC. on XX/XX/18 so I contacted them with the intention of setting up a payment plan. My main concern is credit reporting and preventing credit reporting. The representative had provided me the balance and that she would require $ XXXX/month to prevent credit reporting and that it is a courtesy that keep an account from credit reporting. I mentioned that they were in violation of FDCPA by not providing the Mini-Miranda. She said " we haven't discussed the debt '' ; which we had when she disclosed the debt without verifying 2 pieces of information. She then gave the Mini-Miranda and said that because I had an attitude she would not work with me to prevent credit reporting and that she would make sure the account was placed on my credit report. She then transferred me to a supervisor who was very rude about me asking my questions. When she said they wouldn't place the account on my credit report for 30 days I responded with " I know that would be illegal '' and she got snippy with " well when did you get your law degree ''. I work at a XXXX XXXX and am very aware of FDCPA and UDAAP. and it is in violation of UDAAP to tell me that because she did not like my attitude they would not extend the same courtesy to me as they would another consumer and to question where I got my information simply because I do not have a law degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling over and over and will not stop. we don't owe any one any money to where they send a debt collector to contact us. we have great credit and we pay our bills. we would like to have this company to stop calling and do not contact us through any means. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX  XXXX ). ( XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX  XXXX ). XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX ). ( US SM BUS ADMIN ODA XXXX ). ( US SM BUS ADMIN ODA XXXX ). XXXX XXXX XXXX  XXXX ). XXXX XXXX XXXX  XXXX ). ( XXXX  XXXX XXXX ). ( XXXX XXXX XXXX XXXX XXXX ). 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that 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.

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 2018-02-14
Company: Experian Information Solutions Inc.
State: CO
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:
Experian is stating they will not remove the Bankruptcy off my credit report and they won't do another investigation because it has already been verified. The problem I have with this is that they have not provided me with the person who verified this and the source they have received the verification from and it is unlawful of them to refuse another investigation when I am disputing an item. I have contacted the courts and they have informed me that they don't give any BK or Tax Lien information to the credit reporting agencies. Which means that Experian has added this BK to my report unlawfully. If they don't remove this BK with out showing something with my signature on it I will have no other option but to file a lawsuit against them in the sum of {$10000.00} for damages to my credit history. Also by Law they have to show proof of my signature somewhere that I did this Bankruptcy and they can't provide that.

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 2018-06-12
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I was trying to get XXXX XXXX. The first two times I tried to get the service, the process was cancelled due to XXXX 's internal security process being flawed. They advised me to try again. On the third time, they changed the process without warning and did a credit inquiry I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
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:
Today XX/XX/2018 I saw today in collections was XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX also credit cards inquiries from XXXX  card, XXXX XXXX XXXX, I did not make these inquiries take them all off I am a victim of identity theft

Company response to consumer: Closed with explanation