BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-27
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX, property addrress is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. The first mortgage is with XXXX  XXXX XXXX, the second mortgage is with Mr. Cooper, Loan number, XXXX, I entered into forebearance in midXXXX XXXX with Mr. Cooper and the forebearace ends XX/XX/XXXX. Since XX/XX/XXXX, I have tried many times calling and speaking with different Mr. Cooper reps regarding options, extending the forebearance to no avail. Mr Cooper states that the private investor is not bound by CFPB rules and the private investor is notwilling to extend or modify the second mortfgage. My last payment was XX/XX/XXXX for the regular amount of XXXX but that amount was put into a suspense account because the ballon payment was due XX/XX/XXXX total amount due is XXXX. I have contacted Mr. Cooper two or three times a month trying to get a solution but Mr. Cooper is unwilling to modify the loan and or extend forebearance. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 XXXX XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It 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 non-monetary relief
Consumer complaint received 2021-02-02
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: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: LoanCare, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : LOANCARE 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 2019-04-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I had a XXXX XXXX XXXX XXXX loan that was settled for less. The matter was considered settled XX/XX/XXXX. Experian started reporting the incorrectly in Nov/Dec of XXXX. Instead of nothing more negative showing after XX/XX/, Experian started a separate failed to pay negative remark for these two months, thus creating what looks like two incidents. Both sides say they understand and see what the issue is, yet as of writing this, it still shows incorrectly. My Experian score is more than XXXX points lower and this is the only difference. I have tried with both places involved to correct this. So with no other options I am asking you for help.

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 2019-04-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The collection company opened up an account in my name to damage my credit. The company is acting from its originator XXXX XXXX. The company that opened an account in my name is called portfolio recovery in the amount of {$950.00} opened on XXXX XXXX without my permission. This was done after XXXX XXXX written off the alleged amount that they said that I owed. I had filled a complaint with the CFPB last year about the way they held back my payments to charge me late fees and interest on my credit card. XXXX XXXX   is the originator of the complaint and the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
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 {$8300.00}. 
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 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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -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 explanation
Consumer complaint received 2019-10-31
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:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2023-11-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, the NJ division of taxation advised me I did not submit a tax payment in XXXX. On XXXX  I provided a copy of the check from my XXXX account that was cashed. On or about XX/XX/XXXX. I complained to my state senator who in turn contacted Nj division of taxation. Nj division of taxation requested that I ask XXXX XXXX where the check was cashed. Trowe price advised me the check was cashed by JPMorgan Chase and provided the routing number. JP Morgan Chase cashed my check which was NOT properly endorsed by the Nj Division of Taxation. New Jersey does not cash checks through JPMorgan Chase. It uses XXXX XXXX XXXX JP Morgan Chase does not respond to my calls because I do not have a checking account with them. They owe me {$2200.00}. Plus approximately {$200.00} in interest penalties that I have to pay NJ Division of taxation. 
PLEASE NOTE I DO NOT HAVE A CHECKING ACCOUNT WITH JP MORGAN. They improperly cashed the attached check which was payable to the NJDivision of taxation not to the individual or entity which endorsed the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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: Account status incorrect

Complaint:
CFPB + Experian, According to my XX/XX/2022 XXXX XXXX  credit report you are *still* reporting inaccurate information and refuse to fix this - even though I have filed numerous complaints. 

Experian, you are *not* properly investigating these and I demand that you do. 

Attached to this complaint is : - my drivers license - my social security card - my mailing address - my long and detailed written complaint - my complete XXXX XXXX report dated XX/XX/2022 - copies of everything I mention in the complaint You need to have these accounts removed immediately as you are reporting them inaccurate and refuse to fix.

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 2019-04-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery calls my cell phone 15-20 times a day from various numbers and area codes, I have told them that financially at this time I am not in the position to pay anything on the matters they contact me about and I have demanded they stop calling me, it goes in one ear and out the other. 

I want something done about this company! 

Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04
Company: Northstar Location Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Northstar Location Services continues to call despite the have the wrong person. I 've told them they have the wrong person ( same name, different DOB ). They ca n't find the phone number they are using to contact me. I 've told them this twice and I continue to receive daily or multiple calls a day. This is harassment.

Company response to consumer: Closed
Consumer complaint received 2019-10-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
MY COUSIN GOT A VOICEMAIL FROM AN UNKNOWN NUMBER HE DIDN'T ANSWER. A GIRL LEFT A VOICEMAIL VERY THREATENING. SHE SAID ON THE VOICEMAIL, I WAS GOING TO GET SERVED SOME DOCUMENTS BETWEEN 3 AND 5 AND IF I DON'T ANSWER THE DOOR, THEY WILL GO TO MY JOB AND SERVED ME THERE. THAT THE MATTER IS LEGAL AND I NEED TO ACT NOW. I CALLED AND TALK TO A GIRL AT XXXX XXXX WHO MADE ME DO PAYMENT PLAN OR ELSE I WILL HAVE TO GO TO COURT AND SO ON. I CONTACTED FIFTH THIRD BANK TO ASK FOR DETAILS AND THEY REFUSED TO PROVIDE ME W/DETAILS AS I COULDN'T REMEMBER AN ADDRESS FROM 10 YEARS GO,. THEY REFUSED TO TALK TO ME WHEN I GAVE THEM MY SOCIAL SECURITY NUMBER. 
I FELT VERY THREATEN BY THE VOICEMAIL AND HOW THEY ARE HANDLING BUSINESS. I FEEL NERVOUS AND SCARED THAT IT COULD BE A SCAM OR FRAUD. 

SO XXXX XXXX IS SERVICING FOR FIFTH THIRD BANK. 
TO MY UNDERSTANDING, BUT EITHER OF THEM HAVEN'T LEGALLY SEND ME A LETTER THAT I HAVE A DEBT. 
THAT DEBT THEY CLAIM I OWE, IS NOT ON MY CREDIT OR ANYWHERE. I NEED HELP. THIS VOICEMAIL WAS LEFT ON A THIRD PARTY PHONE NUMBER AND THAT IS AGAINST THE FDCPA. ALL THIS IS AFFECTING ME MENTALLY. 
I PAID XXXX TO PREVENT ANY ISSUES. 


MY NAME IS : XXXX XXXX PHONE NUMBER XXXX LAST XXXX OF MY SOCIAL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a credit card with capital one with a limit of XXXX last year in XX/XX/XXXX I made a large payoff of the statement which was XXXX. They processed the payment and I hade 2 reoccurring items on this card 1 being XXXX who placed a hold on my social and the other was XXXX. Well I since I thought I paid the card off I was not getting any of my card statements since I forgot about the 2 reoccurring transactions and I was fine with them since it was n't a large payment each month. 3 weeks ago while checking my credit report I saw that a few of my cards had closed my discover all because of this and the capital one card I am referring to. I spoke with a few people and the first person told me they are unable to do anything and that I responsible for the XXXX charge off. Well they put me collections and tarnished my credit all because I did not receive a statement for XX/XX/XXXX or XX/XX/XXXX and was told they do n't send out correspondence once they get a piece of return mail. so since a statement of mine was returned cause it was delivered to the wrong address the put me collections, messed up my credit that I have worked so hard for with so many disputes of other using my social to destroy my credit. Last night I spoke with XXXX who then told they are unable to do anything since I reoccurring items on my credit card but said they reached out to me though calls and I said yes and every time I would return the call the people on the other end would tell me it all looks fine disregard the calls they seem to be fraudulent, so I did not know that my card and credit were being destroyed by this credit card company. they had no problem taking my XXXX to pay them off, and sending me a collection notice once I found out about this and called but I have yet to see any statements come in the mail and was told they charged me the full interest and fees for the balance of XXXX after it was paid off!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-03
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To my knowledge, I was never late this many times on my Credit Acceptance auto loan with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and 60 days past due in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have had this auto loan since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date.

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 2018-07-24
Company: EQUIFAX, INC.
State: MD
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 filed bankruptcy only one was XX/XX/XXXX, My XXXX XXXX was discharged. 
( See Attached ). They change dates and switch names now to Department of Education. The last time attend College was in XXXX. They are still reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Letter sent XX/XX/2022 refuse to sign and sent back to me confirming my identity and name My name is not XXXX XXXX XXXX - that name is used on fraudulent accounts per the police report Letter sent again on XX/XX/2022 Attached Identity Theft Report Attached Police Report License attached with new driver license # separating me from the fraud that was committed by defendant XXXX XXXX. Full court records is public information. XXXX XXXX was found guilty of Fraud/ Impersonation - XXXX I have reviewed my credit report again XX/XX/XXXX and the 2 National Credit Systems account continue to reflect on my credit reports and I have not received PROPER validation from creditor to validate National Credit Systems with XXXX  at XXXX XXXX XXXX and National Credit Systems with XXXX  on XXXX XXXXXXXX XXXX  to validate these 2 accounts as correctly belonging to me, nor has my credit report been updated to reflect that the account has been disputed and therefore a 2nd validation letter was sent out this day. After reviewing credit report again on XX/XX/XXXX XXXX there have been no updates and account is still reflecting on my credit report. 

These fraudulent accounts were removed by the assigned detective XXXX, ( XXXX ) of XXXX XXXX Police Department on my case and now they are back reporting on my credit report after I submitted Identity Theft Affavidit years ago. 

Spoke with XXXX XXXX Collection Representative XXXX ID THEFT To whom it may concern, I wrote you requesting validation of this alleged debt. I asked for very specific information in my initial request and again in my re-sponse to the information you sent on ( XX/XX/2022 ). I requested information that proves that not only a debt is owed and a breakdown of the debt, but that I am the party re-sponsible for paying it. As of today, you have failed to supply the demanded proof of the al-leged debt. Your response to my request was not a debt validation so I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a final act of good faith to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. If you cant provide these items, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

Failure to do so will result in me filing a complaint with the Federal Trade Commission for violating my rights as a consumer. The inaccurate reporting of this account is costing me thousands of dollars a year in interest. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Jim Bottin Enterprises, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received ongoing calls from this company about collecting a debt to a gym membership. 
Calls from XXXX XXXX : XXXX to XXXX XX/XX/19 ( Now asking me to pay over {$300.00}, I asked for verification, and not to call ) XXXX to XXXX XX/XX/19 ( call ignored ) XXXX to XXXX XX/XX/19 ( I asked for verification, and not to call ) XXXX to XXXX XX/XX/19 ( robo call ) XXXX to XXXX XX/XX/19 ( robo call ) XXXX to XXXX XX/XX/19 ( robo call ) XXXX to XXXX XX/XX/19 ( robo call ) No Caller ID to XXXX XX/XX/19 ( robo call, reached operator, I asked for verification and not to call ) There are  more, but this is all my phone has recorded. 

The account was closed and is fully settled, but I am just upset about the continuous calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Experian Information Solutions Inc.
State: MI
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:
I pulled my Experian report.Under loans prequalified for. I chose XXXX XXXX   loans.When I inquired with XXXX XXXX loan, I told them I don't want any hard pull inquiries on my credit report/trade line for a loan.I received three denial letters from XXXX XXXX/XXXX XXXX  and 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 non-monetary relief