BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-03
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:
On XX/XX/2020, I sent a copy of my driver 's license, birth certificate, social security card, signed/sworn affidavit and a copy of a letter I received from a bankruptcy court informing the 3 credit bureaus that they were reporting a bankruptcy on my credit file with illegally obtained info. On XX/XX/2020 I received copies of my credit reports and also a notification stating that an investigation had " previously '' been done and that it was determined that the bankruptcies were verified as accurate. When I phoned each of the bureaus they each said they had obtained my info from the Courthouse. When I told them that I had proof that was incorrect and that they were reporting my info inaccurately they each then said they obtained my info from XXXX XXXX. My question is this : how can a bureau refuse to open an investigation into inaccuracies that need to be removed and just use previously verified info? Is that legal or just a way to silence the consumer? 2 of the 3 bureaus are reporting multiple bankruptcies that they still have not removed. I've been sending disputes since XX/XX/2020 and no action has been taken. Can we please find a way to get the bureaus to update my credit reports as they are costing me valuable points, opportunities for better rates and costing me money.

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 2019-09-24
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-CLOSED ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$0.00} -This is not my account.

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 2021-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Ive disputed this item XXXX XXXX several times with the bureaus this item is a charge off and still shows late payments/charge off every month also shows a past due amount as well this is grounds for removal from my report per FCRA guidelines please do so.

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 2020-05-03
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to you today concerning an account being reported by EOS CCA. I have made several attempts to rectify this matter as EOS CCA has now become unresponsive. On XX/XX/2020, I spoke with a representative by the name of " XXXX XXXX '' who provided me a fax and email address to send him a Debt Of Validation letter. It has now been pass 30 days of notifying them, and I still haven't received any correspondents what so ever. 
I only asked for proof of the allege debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them the total of {$990.00}. EOS CCA is falsely reporting a debt to the three major Credit Bureaus. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting EOS CCA to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX & XXXX ) on this action. They have failed to follow the guidelines which was all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, EOS CCA are violating my rights and are also causing financial hardship with this debt being reported. We are currently in a time of a Global Pandemic with the COVID-19 virus. As unemployment rates continue to increase, access to funds are crucial for survival. This false report by EOS CCA has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and EOS CCA is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Once again I recently filed a disputed I have been a chase customer had a checking account for 10 years plus. Never had any major issues. I had transferred money through checks through my other account 3 were returned because the transfer on other end got delayed but tried to rectify immediately with a cash deposit. Chase wrote a letter XX/XX/XXXX saying closing my account without even giving me a chance to fix same day other then that no notice given and again customer for years. I then call bank immediately where I am told they closed my account but again assured this will be fixed. i find out now Chase has closed that account and I can not open a new one after being told before I could. Its frustrating again a loyal customer had a checking account for over 10 years, my husband has personal and business accounts there. I I would think after having an account that long being a good customer and wanting to keep my business with them they would look out better for their customers especially after I was told on 2 occasions and assured my account wouldnt close and after it did that I could open a new one. The banker at the local branch who helped me was awesome. She went above and beyond even called the department I guess that closed it or would have had info and demanded they fix and even said you have a recording of where you told her to open a new account. I love everything about chase up until now and really want to keep my checking account with them. Hoping by getting to tell my side maybe someone high enough up in chase will care about its customers even the small ones to keep them and reopen account. I shouldnt be penalized for others mistakes. 
I have since this complaint done everything bank required deposited cash Thursday XX/XX/XXXX after infant was hospitalized or would have been there Wednesday it is now Tuesday XX/XX/XXXX and cash still hasnt posted after countless phone calls telling me account would stay open and restrictions lifted if I deposited cash here we go they said this morning closing account. I want fixed as promised and account ending in XXXX reopened and debit card reactivated. We have our kids school coming out XX/XX/XXXX everything is linked to this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: Experian Information Solutions Inc.
State: MI
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 continues to report false and inaccurate information on my credit report that I owe {$240.00}. I have disputed this account multiple times. This is not my account. I never used any services from this company. I am entitleded to a fair and accurate 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 2020-05-03
Company: ALTERRA GROUP, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was in the process of purchasing a home with going thru Alterra home loans in XXXX Nj spoke with the loan guy XXXX XXXX several times and was giving a pre approval then an conditional approval. I gave them all documents needed on the approval even ones that was asked for twice by the underwriter. This company lead me up until time to close on the home which was on XX/XX/2020 with no link that this may not happen. My lawyer was emailing the company no response then the loan officer waited till the covid19 which happened after my closing date to then say the banks he could of went thru has pulled out while I was never told that it couldnt happen I myself gave notice to my landlord and now I have to find a new place to live cause he found new tenants for my place. The home owner of the home I was gon na purchase is now upset and trying to take my down payment of {$10000.00} cause the mortgage company XXXX   around. This have left me with a house full of stuff that was purchase for the home that cant be returned only cause as of XX/XX/2020 after speaking to XXXX and XXXX XXXX I was never told that it cant be done. I have all emails that lead up till then none say Im not gon na get my loan. Also I was to pay XXXX for home inspection then I payed XXXX for the home appraisal none of that money is being returned due to the mortgage company not finishing up my loan. Then he explains He was ready to close in XXXX a lie. He never told me lets close in XXXX. This have been very stressful and embarrassing and leaving me homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: College Ave Student Loan Servicing, LLC
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Hello I had a private loan with College Ave student loans in the amount of XXXX dollars. I had made payments towards it until XXXX 2019 and XX/XX/2019 for XXXX. I am continuing making payments towards XXXX XXXX XXXX.. The problem that was happening I got a letter recently from XXXX XXXX, inc about making a balance of XXXX. This company called me and harass me about making a payment to them when I already had made payments XXXX dollars. I am filing a complaint against this company because I found out this is a scam. Thank 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 2017-10-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I listed our home for sale to avoid foreclosure. Our agent secured a buyer but our mortgage company took too long to approve the short sale and our agent lost the buyer. Our agent worked with our mortgage company to postpone the sale date and secured another buyer. Our mortgage company ordered a value check and our agent let them in our home. The value check proved the offer we had was good and we were on the way to our short sale. Weeks went by while waiting for the final approval. Our agent called and was told to get one or two updated or new items. Our agent emailed in the items and was told the value check was old and another value check had to be done. The appraiser called and by this time our agent simply asked if it could be a drive by value instead of an interior as the interior has not changed since the last FOUR interior inspections. The appraiser agree but said he needed to check with our lender. HE NEVER  DID. Our agent followed up with him several times giving him a chance to answer his phone or return her calls. Finally, our agent sent an email to our mortgage company around the XX/XX/XXXX about the appraiser not contacting her back.. With no contact ( our mortgage company does not email, call or anything they only require website contact ) our agent contacted SPS and they said they cancelled our short sale just a few days prior to her call. She asked why and they said the appraiser could not get in! Now we are going to have a foreclosure and a deficient amount and we are a young family looking for help! We live in a two bedroom condo with a boy and a girl and need your help to stop the sale and allow our short sale to go through promptly, so we can get back on our feet. The offer we have we were told was in the range to be accepted and the time frame has been way more than should be allowable. How hard is it to accept an offer which was with in range and valid? We just want to move on with our lives and this has been a nightmare. PLEASE HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Having previously had this same fraudulent debt forwarded back to the merchant by XXXX, XXXX on X/XX/2017, XXXX XXXX has reassigned the debt to XXXX. XXXX, making it clear that XXXX will not be deterred by Complaints to State & Federal authorities from using every resource at its disposal to pursue its criminal extortion tactics as far as the law permits.

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 2019-09-24
Company: Statebridge Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX my mortgage company XXXX filed bankruptcy I continued to make my payments until they returned my last 2 payments in XXXX of XXXX in XXXX I received a letter from XXXX XXXX XXXX  stating that they are the servicers of my loan and they are foreclosing on my home on behalf of XXXX XXXXXXXX XXXX XXXX because payments were not being made I explained that I never received any further notice from XXXX or any correspondence from XXXX XXXXXXXX XXXX I applied for a modification with them but they turned me down I attended several foreclosure conferences until my case was transferred to the Supreme court I also contacted the XXXX  XXXX XXXX XXXX who sent me an email stating that after researching their database they found no records of my property and they are not my trustee I also hired an attorney who got the same response in XXXX of XXXX I received a check from NY Dept.of Financial Services with a letter attached stating that I'm receiving a payment due to a lawsuit against XXXX then in XXXX I got a mail from XXXX XXXX XXXX stating that they are a debt collector collecting a debt for XXXX someone I never heard of and they never stated what the debt was for so I filed a chapter XXXX and XXXX XXXX  XXXX was discharged but I still got a notice of foreclosure from them so my attorney filed a motion to show cause we had a hearing for XX/XX/XXXX and the representative for XXXX XXXX XXXX came to the court with nothing but the bankruptcy that I filed so a new date was set for XX/XX/XXXX but the judge did not grant us a chance to speak he made a decision granting foreclosure to XXXX XXXX XXXX even though they never submitted any documents to show cause to my attorney or the court which was a prejudice act on behalf of the judge I have had 3 counseling sessions with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  when my counselor called FHA she was told that my loan was owed by state bridge now that has me confused since judgement was given to XXXX when XXXX returned my payments and I received that check from XXXX I thought that my mortgage was discharged please let me know as soon as possible what can be done at this point thank 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 2019-05-01
Company: DISCOVER BANK
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Discover decreased my credit line and did not notify me in advance. As the account has been paid on time, why was the credit line decreased. I have called and their reps have not been able to provide any details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions 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:
Please help me get rid of the errors in my credit report. I have been trying for several months.

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 2017-11-23
Company: ENCORE CAPITAL GROUP INC.
State: LA
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/XXXXI found I had an open collection account on my credit report. I sent a dispute through the credit bureau disputing this XXXX XXXX XXXX XXXX that was on it. The amount was for {$1000.00}. 

On XX/XX/XXXX midland responded by sending a letter stating the are uncertain of what I am disputing and to please send more information on what was being disputed. Also one month statement was included. 

On XX/XX/XXXX I mailed a letter to midland requesting a copy of a signed agreement showing I owe XXXX XXXX any amount of money. I also requested some documentation showing that XXXX  purchased the debt from XXXX XXXX. 

On XX/XX/XXXX XXXX sent me another letter showing the same as the first letter they sent showing they are uncertain what I am disputing along with wanting me to send them more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from 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 2021-06-05
Company: EQUIFAX, INC.
State: PA
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 recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Greetings, I have been fighting all three reporting bureaus in regards to them reporting on my credit file three accounts that has nothing to do with me whatsoever. They are reporting two accounts with first premier bank credit card, which I never applied for and also XXXX XXXX  which was discharged in my bankruptcy in XX/XX/2013. I was not living in the country and I have submitted proof of my passport with visas stamped showing the month and year out of the country and returning in the country as well. This is getting very frustrated and unjust in the part of these reporting agencies that are abusing citizens. They are the main one allowing for customers to be scammed, being taken advantages of by selling our information and not protecting men and women. They also are reporting a bunch of inquiries on my account, however I was able to remove all from XXXX  but Transunion and XXXX are the worst reporting inquiries that are fraudulent and when again I was not in the country for several years due to medical issues. I need your help please, even on making an action lawsuit against these companies please.

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 2017-11-23
Company: EQUIFAX, INC.
State: AL
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 went car shopping at XXXX XXXX XXXX in XXXX. The sales person collected personal information in which he stated once we found a car we would move forward. Well the car I was looking for was unavailable. So we did not move forward. Well a few days later I got an alert from XXXX alerting me that my credit had been pulled by XXXX XXXX at the behest of XXXX XXXX XXXX. I called the dealership informed them that I had not given consent at which point they directed me to the sales manager who stated he mistakenly ran my credit. He then stated he would provide me a letter stating such so as to ensure I could get those inquiries removed. I provided the letter to each bank in which pulled my credit yet XXXX XXXX Refused to remove their inquiry even after numerous letters sent to them. They have yet to respond to the request in which I submitted at their behest on XXXX XXXX. I provided for a third time a copy of the letter from the dealership stating they pulled my credit in error.

Company response to consumer: Closed with explanation