BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-06
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
MIDLAND CREDIT SERVICES ARE REPORTING INACCURATE INFORMATION REGARDING ME TO XXXX AND OTHER CREDIT REPORTING AGENCIES. THEY DO NOT HAVE THE RIGHT TO PLACE THIS DEFAMING INFORMATION ON MY CREDIT FILE AND I AM REQUESTING PROOF THAT THIS ACCOUNT WAS OPENED BY ME AND WHAT CHARGES INCLUDING ALL RECIEPTS, DATES, AND SIGNATURES TO SHOW PROOF THAT THIS IS MY ACCOUNT AND PROOF THAT THEY HAVE ANY RIGHTS TO PLACE THIS ON MY CREDIT FILE. I WANT THIS REMOVES IMMEDIETELY AND RESOLVE BEFORE I PROCEDE TO HIGHER LEGAL AUTHORITIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
a car was surrendered XX/XX/XXXX and sold in XX/XX/XXXX so the debt was settled when they accepted the money for the car. I feel iI should n't have this on my report. it should have been gone when the car was sold in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXBalance {$380.00} XXXX XXXX  XXXXBalance {$0.00} XXXX-Balance {$4600.00} XXXX XXXX XXXX-Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance {$3300.00} ( Original Creditor : ) -XXXX-Balance {$1500.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX-Balance {$1800.00} XXXX XXXX XXXX-Balance {$9000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I applied for the American airline card Several weeks later I received an email saying I was approved The card never arrived but a statement did ( $ XXXX yearly fee ) I waited a few more days for the card I then called Barclays and they send out another card I tried to setup a online login and was told I already have an account ( from past credit card I no longer have ) They sent me 4 email that should have had a code to reset my password, but all were blank After several hour on the phone with them I gave up trying to log on and was told that they could just take the {$95.00} from my bank account which I did not feel comfortable with ( not knowing how they had my account number or witch account they had. 
At that point I left town without activating the account, after traveling for several weeks and coming back to work totally slammed. I gave there tech support another try, and got someone that solved the problem with not being able to reset the password. 
At that time I payed the {$95.00} fee and planed on using that card. I made one purchase Til I looked at my credit report and they have trashed my credit for the {$95.00} fee I called Barclays and was told by a manager weather I had the card or not the fee was due and there is nothing they can do about it. 
I have since canceled the card and they said they will refund the {$95.00}

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 2017-05-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a checking account with CHase Bank and i have several direct deposits, on  XXXX   XXXX   2017  they charged me {$68.00} for iNSUFFICIENT FUNDS FEE for  XXXX  checks in total both for {$50.00} and they did it just in the same day and some minutes before  one of my direct deposit enter. when they applied the first fee was for - {$3.00} and and the same they did in 3 weeks before. that mean they charged me in total {$100.00} for fee for some minutes before of my direct deposit in less of one month. This Bank Chase never help its customer, They just care about profiting from their c ustomers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2022-07-14
Company: Experian Information Solutions 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:
They have refused to correct my information on all bureaus and in fact merging my consumer with report with similar names and my name is very unique and is not relatable in anyway, PURSUANT TO 15 U.S. Code 1681 - Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting.

1. My Accurate legal full name is exactly : XXXX XXXX XXXX. 
I do NOT want any name other than what I listed above to be retained or reported. 
Please delete any other names the ones listed below that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. My Accurate complete mailing address is : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Please delete any other addresses and the ones listed below that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID : XXXX Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID : XXXX Report number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX Address ID : XXXX Report number : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX Report number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ID : XXXX Report number : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ID : XXXX Report number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ID : XXXX THERE SHOULD BE NO OTHER ADDRESS RETAINED ON MY REPORT! 
3. My Accurate Full Date of Birth is XXXX If any other date of birth is listed other than what was typed above was NOT provided by me and should NOT be retained or reported. If any other date of birth is listed, please delete at once or provide evidentiary PROOF the legal right to retain such information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: EQUIFAX, 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/23 XXXX and equifax failed to removed inquires and negative listed things of credit reports that were unauthorized and they have also stated that have disregarded my initial complaints have not removed what i demanded as fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not consent to, nor benefit from, or authorize any of the following accounts : US DEP OF ED/XXXX  XX/XX/XXXX {$54000.00} US DEP OF ED/XXXX  XX/XX/XXXX {$4100.00}

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 2018-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX Acct. # XXXX Repeated requests to creditor XXXX XXXX to Validate their Debt have been ignored by said creditor and TransUnion. 

XXXX XXXX can not validate the debt as it belongs to another party with a similar name. 

In late XX/XX/2017I learned that a family member 's credit file and my own had been " Mixed. '' TransUnion did " Split '' the credit files but this account belonging to said family member remains in my credit file with TransUnion. 

This invalidated debt should be removed from my TransUnion Credit File immediately according to the Fair Credit Reporting Act. TransUnion has investiagted, and reinvestigated several times, my repeated requests for ValidatioXXXX of the Debt. TransUnion is or should be aware that the debt is in another parties name and does not belong to me but they refuse to delete their inaccurate reporting. 

I did not open an account with XXXX XXXX, nor did I benefit from goods or services provided by 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 2023-08-02
Company: EQUIFAX, INC.
State: KS
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: Was not notified of investigation status or results

Complaint:
The following names are all incorrect please delete : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX I'll never live in these addresses reported on my credit report please XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KSXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX AV XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Birthdate is incorrect:XXXX I never work in the following employer : XXXX XXXX Please delete all the unauthorized hard inquiries : XXXX  XXXX XX/XX/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 XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12
Company: Flagstar Bank, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Starting in XX/XX/XXXX, XXXX XXXX payment system ( XXXX ) started to reverse my auto mortgage monthly payments. I was charged late and returned check fees as a result. I contacted their Services group and was told the following : 1. " The bank accounts I used did not have the correct account number ''. I told them the bank account I used had been set up since the beginning of the loan, about 5 yrs ago and there had never been any problems with money being transferred into Flagstar until now. 
2. " The bank I used did not have sufficient funds ''. I forwarded my bank 's history record to show there were plenty of funds to pay when the transactions took place. 
3. " My banks did not send them the money because of " not authorized '' transactions ''. I had to forwarded my bank 's history ledgers to show my checking accounts had been debited which shows the money had been sent to Flagstar. 

Due to advice from # 1, I changed my bank on XXXX to 2 other banks to continue paying the monthly mortgage. Both had the same issue. So 3 of my banks had same issues. Flagstar kept reversing my payments with the same above excuses. I told them it was my banks it was their system. 
When Flagstar reversed the payments, the funds that my banks sent to them were never returned. My banks says they had sent the money to Flagstar but never received any notifications the money is being returned. In order to credit back the money my banks had to initiate their own investigation and perform a Dispute before my money could be credited back into my account. 

I talked to about 10 services reps and 2 Supervisors. None can help explain why Flagstar keeps reversing the payments. Each time this happens I get charged a Returned check fee. Because no one at Flagstar can resolve the issues and my money was taken from the checking accounts to pay Flagstar but was not returned when they performed a Returned check I decided to payoff my loan. I don't trust Flagstar to manage my loan anymore. 

In XX/XX/XXXX, I follow the payoff procedures and obtained the Payoff value from Flagstar. With the payoff, Flagstar confirmed my loan was paid in full and the Deed of XXXX was sent to me with an Escrow refund. When I cashed the Escrow refund check, Flagstar had put a stopped payment on the refund check and told me I still owe them money. If I don't pay then they will rescind the release of the mortgage/trust. 

Because of the many reversed payments performed by Flagstar I feel they still have not returned all my money and that they still owe me money. I can not get anyone from Flagstar to work with me on the accounting for the money. They keep passing me to other people and each time it gets more confusing and more paperwork is required. 

As of XX/XX/XXXX, I still don't have my refund 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 2022-10-28
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: ProCollect, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I have submitted several online disputes via XXXX, XXXX XXXX  XXXX. I have also wrote several letters asking them to verify this debt. They mailed me a contract that is lease but its not readable at all! The lease is smeared and you can't read ANY OF THE WRITING OF THE LEASE. I have included in every dispute that I have submitted online and via letter that this isn't my debit! This lease belongs to XXXX XXXX XXXX and  XXXX XXXX XXXX they are siblings. I repeat, my signature is no where on the lease that was mailed XXXX  me on top of that the lease they mailed XXXX me can't even be read and belongs to  my siblings XXXX XXXX XXXX and  XXXX XXXX XXXX! I have tried explaining this over and over via disputes. I have disputed this so many times online they wont let me dispute it anymore. That is against the law. I really need your help, please explain to this company this isn't my debt and I want this removed from my credit reports ASAP. 

Thanks 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 2020-01-22
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I was pre-approved for a mortgage loan with the company name Signature Home Lending. They let me know by phone the loan amount of {$330000.00} and interest rate of 3.5 % because of excellent credit score. I  never received the Loan Estimate, but I trusted them to keep their promise. Later on, I changed my mind, and instead of buying a primary house I wanted to buy a house for investment. My agent called the lender to let them know the changes, and also to let them know I would need a lower amount ( {$130000.00} ). On XX/XX/XXXX I received by email the confirmation of the new pre-approval for the {$130000.00} with neither interest rate nor Loan Estimate.  When I finally found the right house and my offer was accepted, I contacted the senior lender XXXX XXXX XXXX on XX/XX/XXXX to ask if the interest rate would be the same since she never called me to let me know otherwise. Her answer was that ofcourse the interest was going to be higher. I asked her how much higher. The next day we got in contact again, and she told me the interest would be 4.25 %, but when she finally showed me the Loan Estimate I could  notice she was changing for points to lower the interest that she never mentioned, and I never agreed to pay. Now what I thought it was a good deal is became a 4.625 % interest loan. I tried to get a lower interest by changing from 30 years loan to a 15 years loan, but she gave me the same 4.625 %. My complaints are she never told me she was selling me points intead of negotiating the interest, she gave me the Loan Estimate until almost closing which is against the law. Not to mention the HIGHER interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect and out dated items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2019-04-11
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
i went to zales store to purchase a ring, the store didnt have the specific ring in the store, but i was told the could get it but i will take couple of months, i didnt have to pay the entire cost of the ring untill i pick it up, so i paid half, then the store cleck convinced me to open a store card with a 18months interest free promotional. which i did only because she told me the promotion and the final charges will not begin until i pick the ring up from the store. i pick the ring up 3 months later. to my supprise 15months from the date of pick up i was charged full interest for not completely paying of the balance. now they want me to pay over XXXX dollars in interest extra when the original balance on the card was XXXX dollars. this store clerks are missleading customers. and now i have late payments on my credit accounts and this affecting my credit history. the specific zales store no longer exist other stores are not able to give me information pertaining to my purchases. i have tried to contack the bank to file dispute, but they are declining my dispute. i contacted the XXXX legal service for military, tthey recomended i file a complaint with the consumer finance before they can move futher if need to.

Company response to consumer: Closed with explanation