BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-02
Company: Upgrade, 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: Report provided to employer without your written authorization

Complaint:
Hi I tried to check my rates without pulling my credit report ( hard inquiry ). And i am still shopping arround cause the loan ammount that i need is more than 25k, then it happend to see a hard inquiry on my credit report from Upgrade, I never ment or wanted or accepted to process any loan application or accept any terms specially that the loan amount doesnt match my needs. 

Also the costumer service guy at Upgrade recommended me to send an email to XXXX to explain what happened with me so you can remove this hard inquiry from my report but didnt have any response from them. 

Please i would like to give you any kind of explinations needed to kindly remove this hard inquiry. 

Note : i was using upgrade ONLY because i can check rates with no impact on my credit score. 
My score dropped by 15 points yesterday. 

Looking forword hearing from you soon Thanks Sent from my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: JPMORGAN CHASE & CO.
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 have requested multiple times that this company provide proof of my authorization to inquire on my credit. I do not recall applying for credit with Chase Auto Finance. I did not authorize anyone employed by this company to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. From the FCRA 616 : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
At the HSBC website, I saw they had an offer for 3 % cashback of my payroll deposits up to {$100.00} bonus each month for 6 months ( {$600.00} total bonus ) when opening a new checking account. The website said that I'll be automatically eligible if I sign up using the link. I did everything exactly as instructed and deposited my paycheck directly from my employer to this account over {$5000.00} each month from XX/XX/XXXX to XX/XX/XXXX. 

I checked the status of this bonus with their customer service over 5 times starting in XX/XX/XXXX. The first time the agent told me I need to wait one more month to receive the bonus. After a month I contacted the customer support again and they asked me to wait another week and get back to them. I did that and they kept asking me to wait one more week again and again over 5 times.

They promised me each time they'll fix this issue which could be due to some technical glitch. And finally today after 6 months of wasting my time and effort, they said they will not give me any bonus because I did not use the correct promo link to open the account ( I did use the correct link from their website as instructed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been disputing an account in my credit report and the bureaus have not given answers as of the status of the disputes so far. 

I started sending letters from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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 received notification from XXXX XXXX about a few new inquiries. To my knowledge I have not given any consent to no one to use my credit file without contacting me so Im puzzled to how the inquiries are listed on my credit report. This isnt factual records because I didnt give any consent to open up any new accounts. I am also sending this message and letter as an affidavit and I would like an internal dispute to take place for this matter immediately. The internal dispute shouldnt take no more than 72 hours after receiving the receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: I.C. System, 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:
On XX/XX/2018 I sent a certified letter notifying your company that youve listed erroneous information on my credit file but you ignored for several months, you sent a letter stating that it was verified but to my knowledge I dont recall owing a debt to your company. If you look up my name you will see several people with the exact same name. Please dont compromise my name with anyone else. In order to conduct this matter correctly, I have taken legal actions against your company for violating my rights under the FCRA. Your company has violated more than just a few FCRA laws. You have also violated my right by using my consent without contacting me off such a debt or erroneous account displaying on my credit file. I have attached a letter to this message. I prefer to take this matter to court to get this resolved immediately and removed permanently. I am very disappointed that as a company you tried to collect an erroneous debt not owed by me and you consistently harassed me by phone, sending someone to my job, calling my job and also trying to place a lien on my account. For that reason I am suing your company and I am seeking {$5000.00} for damages you have caused to my credit file. I must admit that I have experienced being a victim of identity theft, I was affected by the breach with XXXX  and a few more other companies. I am allowing 72 hours of a response upon receipt for an internal dispute to take place for this matter. I am also sending this as an affidavit so I should hear back from your company within 3 days if not the filed lawsuit will remain as is and the dates as well.

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 2019-08-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
inaccurate information still showing on on credit report. XXXX XXXX  open on XX/XX/XXXX fraudulent amount $XXXX  - this does not belong to meXXXX XXXX XXXX open on  XX/XX/XXXX fraudulent amount $XXXX  - this does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have had problems with Ditech Mortage charging bogus fees, making false statements about my agreeing to have payments taken from my bank account, we have met our payoff but the bogus fees that have been added have me owing thousands more than I should owe Ditech did not and still refuse to send a payoff letter in writing to me. I should have received this letter in XX/XX/XXXX I did get a bill for {$3600.00} in XX/XX/XXXX.When I inquired about it I was told my loan matured in XX/XX/XXXXI was not made aware of this until XX/XX/XXXX. By that time enormous fees and interest charges had already been added.I did have a Deferral of {$730.00}. I have paid XXXX since XX/XX/XXXX. claim they have return check for XXXX on XX/XX/XXXX all payments are paid though XXXX  not the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Experian Information Solutions Inc.
State: NC
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:
Experian is claiming to have not been provided with my personal information as a means to not delete the errors that remain 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 2020-10-29
Company: EQUIFAX, INC.
State: NY
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:
ALL ( 3 ) CREDIT AGENCIES REPORTING ERROR OF ACCOUNT NOT MINES AND NEVER DONE BUSINESS WITH " XXXX XXXX '' / AUTO LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: AES/PHEAA
State: WY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
At the beginning of XX/XX/XXXX, I applied for an Income Based Repayment Plan. At first, I had to resubmit some income information, which was fine. I supplied everything that was required and received a letter stating that they would process the application. However, on XX/XX/12 and XX/XX/13of 2018, I received correspondence through my electronic inbox that I would requested to have my plan changed to a Standard Repayment Plan, which I never requested. In fact, I had requested the IBR and they sent this in their own words : We received your request to remove your loans from an Income-Based Repayment ( IBR ) plan and to repay under another plan. Then the following day, I received the payment plan terms which said I have to begin making payments of {$1200.00} per month on a monthly income of {$1900.00}. This is why I applied for a plan that was based on my income. Now they are saying that before I can even reapply for a lower payment I must make this payment in full for a month. This will cripple me and may end in the loss of my home or car if I have to make this type of payment. Again, this is why I applied for the IBR, which the servicer now claims was an application for a standard repayment plan. If I was already on the standard plan how or why would I request the standard repayment plan. It does not make any sense and I can not pay the standard plan. That is why I applied for the IBR and sent in all documentation stating my income / eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
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:
In XXXX of 2019 I contacted Experian to report ID theft from various sources that were unknown in origin. Since this time, the ID theft has A. ) not stopped and B. ) not been addressed on my credit report at ALL. Why not? What do I have to do to get Experian or the other agencies To take me seriously?

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 2019-02-19
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
This company is so unprofessional. They have yet to respond to my complaint let alone fix my online account! I have asked several times to get my online access to be fixed and no one will do ANYTHING to fix it. I have tried countless times and NO ONE does anything ... I REPEAT ... .NO ONE. 

this needs to be removed off my credit report asap or i will get legal involved!

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 2020-10-29
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1000.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Alabama Housing Finance Authority
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This company does not allow me to make payments, when I call I get hung up on and told my account is locked, or when I submit payments the company does not allow payment, unless the next month is paid in full too, even though for example I am trying to pay, today X/X/17, and they wo n'taccept payment unless I include XX/XX/XXXX payment which is not even due until XX/XX/XXXX. I have no  problem paying what I am behind on, but they are asking me to pay ahead too, which is impossible for us to do at this time. They are intentionally making it difficult to make payments as if they want us to be behind, and keep us in a default status never climbing back out. Today I requested to make a XXXX $ certified funds payment to them to get us paid for XX/XX/XXXX and partial XX/XX/XXXX and I would pay the remaining balance and be caught up for XX/XX/XXXX, and XXXX XXXX, the only person this company has allowed me to speak to on this account who is consistently rude, condenscending, and hangs up the phone on me, said NO payment will be accepted unless I include all of XX/XX/XXXX as well even though according to my paperwork it 's not due until X/XX/2017. All questions I ask as to why they wo n't accept payment they say is because I am a less then one year old loan. I have asked to speak to ANYONE else and they still have XXXX XXXX as the collection person. The level of unprofessionalism, rudeness, and difficulty they make it just to get caught back up is unreasonable and causing us to have to pay extra fees we are trying to avoid. XXXX, XXXX, absolute terrible company targeting middle class families who just want to make their payments and who ca n't afford any other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: CONTRACT CALLERS INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contract Callers Inc on XX/XX/2020 sent me a response after disputing the debt {$500.00} account number XXXX saying that they have contacted me and that I confirmed the name and address listed on the account number XXXX original account number XXXX for the amount {$500.00} which is not true. I never confirmed this and have disputed this many times letting them know this is not my account. They asked in the letter that I attached a copy of as proof to provide a detailed explanation of the basis for the dispute which I have done and they still did not fix this issue. I also asked them for verification and proof that I owe this debt and as of XXXX they have not provided any legal documentation and proof, they only sent me a bill. I told them that I never lived at or received mail at the address in question. My name was not on the lease for the reported address and I never lived at the apartment they are billing me for I live in XXXX XXXX and this bill is for the state of XXXX IL at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX. A address that is not on my credit report or consumer file or have been filed in my tax documents. These items Is severely hurting my credit report and now going against the 609 Fair Credit Reporting Act. I need this collection removed immediately off my Credit Report. I have contacted all parties XXXX, including the company that says this is my bill and have had no help in resolving this issue. This item is incorrect and being reported in error. This is not my address and has never been reported as my address. In my last complaint there response Was a Very long and generic response saying send them documentation and account numbers so I attached the requested documents they need to properly Find this account and resolve this issue.

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 2020-10-29
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
MY NAME IS XXXX XXXX XXXX. My family was diagnosed with the coronavirus I booked an XXXX  a couple of days before they tested positive as soon as I realize they tested positive for XXXX I had to cancel the reservation and now they wont give me a refund it really shows you how discover doesnt care about their customers and I want everybody to know that after this resolution is done with Im done banking with discover and will tell everybody I know to never bank with or have a credit card with them and if they do they better close it and the same goes for XXXX. 
They had the nerve to tell me the reason I couldnt get a refund is because if the people are traveling with me they cant grant a refund first off my sisters suffer from XXXX. I can not travel with them alone and you think they cared when I said that? Nope discover didnt either

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Experian Information Solutions Inc.
State: DC
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:
On XX/XX/2019, I mailed XXXX XXXX a package comprising a copy of the letter from my mobile phone carrier, and a recent copy of my ID Theft Affidavit to support my claim of ID theft.  I sent the letter to both their credit reporting department and their office of consumer advocacy.  They have refused to accept the package at both locations. I have a photographic copy of the return receipt status attached to both letters. For some reason I cannot attach the copy or the letter.  This action is yet another in a long line of purposefully deceitful and shady actions perpetrated 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 2020-10-29
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I recieved a letter via XXXX that states the debt collector - XXXX XXXX XXXX  - is threatening to turn my debt over to a lawyer who will sue me for this debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Experian Information Solutions Inc.
State: NY
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 have been a victim of identity theft.

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 2021-05-21
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit System Dates Ranges on My Report XX/XX/XXXX to XX/XX/XXXX Never received letters of debt Collection Accounts pops up XX/XX/XXXX requested debt validation with documents nothing received but yet the states verified with no response back to me or proof of verification which I have requested 2x with no luck and no other form of communication theyre giving

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received a email from experian saying my score dropped 20 points but no information is given about why. When going on there website it actually dropped 34 points. There is nowhere in there site explaining way, there tel # is just an automated service with no live agents and when I finally find a number a can call they send me back to the automated service. I've been working very hard to bring my fico score to where it use to be and then this happens. Can you 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