BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is misreporting information purposefully as I have been communicating with this company throughout this year to handle this debt. As of XX/XX/2021, this debt was settled for {$950.00}. Yet after it was settled, the company proceeded to report it as an outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
My reliacard was frozen 3 weeks ago because of a fraud check. I called the company and was told to verify my information on their website which I did. They never made my card active. I called back and they told me to fax a copy of my license over and resend my license picture through the website which I did. I keep calling to find out why my card remains inactive and they can't give me an answer. I need to pay my rent or else I'm getting evicted. They said it should take 7 business days but it has been 3 weeks.

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 2023-09-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a prey of identity theft. I am writing to appeal that you block the following false information from my credit report. I have no knowledge how the theft took place. I also have no awareness of any suspects. I did not obtain any money, goods, or services as an outcome of identity theft. Please inform me if you want any other material from me to block this information from my credit report XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I do not want to recieve calls from this company. They have repeatedly called me after XXXX at night. I have no idea what it is in reference to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: EQUIFAX, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today, is the third day that I have tried to reach Equifax regarding their " conclusion '' regarding a dispute on my credit report. I received a notice from them on XXXX-19 by email with a confirmation number. It said that I could get the results on line or in the mail. I tried several times on line and was told to call to " verify '' my personal information. When I call on the phone, I get people that do not speak good English, are apparently in a foreign country, and they want all of my personal information to talk with me. How do I know I am not exposing myself to identity theft ... AGAIN? Their website will not give you access through a variety of browsers, you can't get any help on " chat '' and the only alternative is to talk to some stranger who may be stealing your  information. Why doesn't the CFPB just close down these NIGHTMARE companies? They are horrible to deal with and could care less about the various fines and lawsuits that are filed against them. Equifax has erroneous information on my report that I am trying to get corrected and I have no idea what is going on with that. If I want to find out, I have to BUY my report, otherwise ... oh well? According to " chat '' and whomever these people are in other countries answering their phone calls, they are having problems with their website and we're supposed to work with them on the phone. Really? Our government has no control over what these people do overseas! How can they get away with this? Can you intervene? I would strongly support closing all three of them down ... they're awful and out of control! You can't get your information, no control over erroneous information, and are always at their mercy. This is very unAmerican. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I filed a complaint about an extended warranty refund and I don't understand the response from the bank. I am in an active chapter XXXX bankruptcy case. The car dealer sent a check for {$1000.00} to the bank. The bank says they mailed a check for {$750.00} to the chapter XXXX trustee. The trustee access website shows no posting of this amount. Also, where is the remaining {$260.00}? The representative from the bank finally called me back and said he can't discuss any of this with me because of the active chapter XXXX case. I paid all of the money to the bank through the chapter XXXX trustee, the loan is satisfied, I have the title to the car. I don't understand how the bank feels they can keep any of the extended warranty refund. Where is the remaining {$260.00}? The bank representative says I need to talk with the trustee for that information. The trustee has nothing to do with this. The bank owes me {$1000.00} for the refund. Now I feel I am entitled to interest on top of that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: TRUIST FINANCIAL CORPORATION
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:
In accordance with the fair credit reporting act, the creditor Truist Bank has violated my rights with respect to reporting part of an installment loan payment as " 30 days late ''. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-06-07
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/23, my husband called Chase for the tenth time to try and resolve an issue on his/joint account with me. 

During the call, the Chase representative XXXX XXXX to be a supervisor ) started telling my husband that I had a separate Chase Credit Card Account in addition to the joint account I have with him. This is a breach of privacy since my husband is not an authorized user of the personal single ( not joint/separate ) account I have with Chase. 

Again, my husband is NOT a user or authorized to my single Credit Card account, but XXXX provided my husband with my user name, etc. for my separate account. 

XXXX even gave my husband my personal login ID account information without my permission. This is a clear breach of privacy. 

XXXX even requested social security numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have an XXXX  XXXX AAdvantage Platinum Selected card that I opened 4 years ago. One of the " benefits '' is a {$120.00} XXXX XXXX XXXX Discount after spend {$20000.00} or more in purchases during a year. Although I have spend that amount I have never received the discounts. I have contacted Citi Bank on XX/XX/19 5 times and any of the customer services agents that I talked with have not been able to help me. Although they have confirmed that I have spend the $ XXXX they put me on hold to transfer the calls but the calls never go through. 

I think this is a deceptive tactic from Citi to do not honor this benefit.

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 2021-08-09
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed I file a dispute in regard to incorrect items on my credit report it has been well over 30 days and I've not receive any investigation results.15 U.S. Code 1681i - Procedure in case of disputed accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: CA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
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 a 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 seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish

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 2021-07-12
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: Account information incorrect

Complaint:
I have filed a dispute in regards to the incorrect late payment on for credit report for XXXX XXXX XXXX. I have always paid my bills on time and my record on my credit report shows that. It has been well over 30 days and I haven't received any changes due to company error.

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 2021-08-09
Company: EQUIFAX, INC.
State: MS
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, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the past 3 months, I have been trying to cancel the PMI on my loan under the Homeowners Protection Act of 1998. I have met all the requirements yet my mortgage lender kept denying me for inconsistent reasons. Sometimes they say my equity is not 80 % and others that I didn't meet payments history ( I attached their latest letter ). 

I never missed nor was late on any payments ( even according to their statement that I highlighted ) since I borrowed the loan ( see attached payments history I printed out from the mortgage lender website ), and my current equity ratio is 79.8 % ( see attachment from the the same website ).

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 2020-11-03
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE DISPUTED THESE ACCOUNTS MANY TIMES NOW I HAVE YET TO RECENT ANY PROOF THAT THESE ACCOUNTS BELONG TO ME THEY NEED TO BE REMOVE

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 2018-10-02
Company: U.S. BANCORP
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband who was the only one on the loan passed away last year, I have been struggling to adjust to his loss and the lost income, i have fallen behind. When I tried talking to the lender they would tell me i had to provide death certificate and copy of deed which I did then they say I had to have his estate probated and be the personal representitive. The lawyers I talked to said this was not necessary and the process would be very expenses. 
I also contacted a Hud certified counseling agency to help me but they too were not allowed to talk with the lender. 
They have sent the loan to attorneys to start the foreclosure process, I call they say they can't talk to me. 
I would like to save my house and have income to make payments but they will taake them or work with me. 
I am a surviving spouse and want them to abide by that program.

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 2020-12-07
Company: General Motors Financial Company, Inc.
State: WA
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, AMERICREDIT add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
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:
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The Gurstel Law Firm, a debt collector with offices in Arizona, has attempted to collect a debt that it knew or, should have known was the result of identity theft. Gurstel Law has used the court system to intimidate me and my family into paying a debt for which we're not responsible. The firm has acted extra-judicially in attempting to collect a debt from those who are not responsible for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 sent a letter to XXXX, Trans Union and XXXX, XX/XX/2023. It has been well over 30 days and I still have not received any thing back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXXXXXX, Trans Union and XXXX have 30 days to respond to my dispute. This is a violation of my rights certified.

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 2021-05-10
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing to request correction of the errors described below regarding the XX/XX/2019 mortgage payment on my property at XXXX XXXX XXXX, XXXX, NJ XXXX. 

I made my XX/XX/2019 mortgage payment on time. That payment cleared on XX/XX/2019. On XX/XX/2019, I received information to send my mortgage payments to Mr. Cooper. By that date, SETERUS, my former mortgage service, had already deducted funds from my account. 
See Attached A ( Copy of Check # XXXX ) The change in mortgage servicing was not disclosed to me prior to XX/XX/2019 when Mr. Cooper assumed my mortgage account. I wrote to Mr. Cooper in XX/XX/2019 and XX/XX/2019 informing that my XX/XX/2019 payment was sent and cleared by my previous mortgage service SETERUS. 
See Attached B.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.

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 2023-07-10
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: Personal information incorrect

Complaint:
Ive sent my correct and current name address and employment. To the consumer reporting agencies. Ive provided proper copies of my drivers license. My social security card. And utilities bills. Last year. They still havent corrected my information. Which is violating my consumer law rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 a 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 seven 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 response to consumer: Closed with explanation