BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: CA
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 been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the timeallowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the bureaus, as willful negligence and non-compliance with federal statutes. Below are the public record reporting on my Credit Report : ( XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2020-01-01
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice from Southwest Collection Service,  Inc.stating I owed {$52.00}. I called them to inquire and they said to call the XXXX XXXX XXXX, the creditor. The lab told me that " XXXX XXXX '' was done when I did my physical with my doctor 's office on XX/XX/17 and that's the amount I still owe.This was news to me because XXXX XXXX  is typically covered by my insurance. They told me to call my doctor 's office to get more clarification on what type of XXXX XXXX was ordered. When I called the doctor 's office they said they will forward my message to the billing coordinator, who still hasn't called me even after attempting to get a hold of him several times. At this point I've given up, thus my last option was to reach out to CFPB in hopes of getting a straight answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Continuing to call back to back telling me I could be arrested and theyll file charges due to a charge from when I filed bankruptcy. The charge was included in my bankruptcy. Also threatened to call my job. 

Transcript of voicemail left by this company. 
________ ____ __ ____________ ____ is XXXX XXXX I'll give you a ________ call __________ some return bottles of TCF national bank on ___ phone I'll call him send this out __ three counts against you the pin allegation of _____ by deception XXXX XXXX __________ __ _____ by deception to XXXX bank potentially trying to fly __ ____ __ __ ____ I'm a _______ ____ _ ______________ for the client to move forward ____ ____ _________

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
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:
Multiple attempts to repair disputed items reflects repaired then shows up again- example incorrect name in personal data- Daughters information- also no score provided even though they claim free score available! " FACT : A credit score isn't included on your credit report Check your XXXX Score credit score. 
Choose an option below. 
Your credit scores should be free. And now they are. 
Check your scores anytime, anywhere,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: LEXISNEXIS
State: UT
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:
LexisNexis has inaccurate information on my report and they have claimed it is 100 % accurate information. They have sent my disputes back twice, and they also provided me with a way to review my report and the problem is still there. Also they claim to have contacted UTAH FEDERAL BANKRUPTCY COURT - XXXX XXXX when there is no such thing by that name. They are using the inaccurate information on my report to tell me they are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
'Capio Partners ' of XXXX Texas is attempting to collect a debt for 2 doctor 's visits in XXXX. Both are billed separately ; both are billed on the same date. One is for {$79.00} and the other for {$120.00}. 

I never have been to a doctor who I have not paid. Also, if I go to a doctor, they usually collect the money first. 

I have no idea what this charge is about and neither does the collection bureau. 

This notice of approx. {$200.00} was mailed to me on XX/XX/XXXX. 

Before this I had a credit score in the high XXXX 's. Now it is in the low XXXX 's. 

I was advised of this infraction when I spoke to XXXX and XXXX. Both told me that would accept my business, but both referred to my rectifying this fraudulent charge. 

Please help me with this. 

And, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: JPMORGAN CHASE & CO.
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:
My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : JPMCB - CARD SERVICE XXXX Open Date XXXX XXXX XXXX Balance : {$2500.00}, JPMCB - CARD SERVICE XXXX Open Date XX/XX/ Balance : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
I had an order from XXXX XXXX that was received in XXXX of XXXX and the seafood portion of the order was bad. XXXX XXXXXXXX agreed to refund me a partial credit for the food that I was not able to use. The credit was in the amount of {$61.00} on XX/XX/XXXX. I received an email confirmation from XXXX XXXX regarding this credit and as of today it has still not shown up on my Fifth Third Credit card. I was told by XXXX XXXX that the issue is on Fifth thirds end since they have processed the credit on their side. I opened a claim with Fifth third and as of today XX/XX/XXXX I still have not received credit for this. I have sent them the confirmation email as well. 

There is no reason 5/3rd cant credit me back the {$61.00} and chargeback XXXX XXXX due to the confirmation email I have sent to them from XXXX XXXX. This has been going on since XXXX and its now XXXX. They have been taking way too long to resolve this issue. Please help to get my credit back. 

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My husband and I both opened credit cards on the same date, to make a purchase from the same merchant on XX/XX/XXXX. The merchant is XXXX XXXX, which we now know is a subsidiary of, or at least directly connected to Barclay 's credit card. On XX/XX/XXXX we began the process of disputing the purchase and canceling the contract with XXXX XXXX. In XXXX of XXXX, my husband 's dispute was approved, his credit card statement showed a zero balance. My dispute, again for the same date, merchant and almost identical amounts, was denied. On XX/XX/XXXX, I was finally able to speak to a representative on the phone, XXXX, and was told to send a cancellation of the contract with XXXX XXXX. Canceling the contract was a very lengthy process, and in the mean time I made minimum monthly payments in good faith this would be resolved and so as not to affect my credit rating. I was very clear that this dispute was not closed. XX/XX/XXXX I obtained and sent a copy of the contract cancellation highlighting specifically " you will no longer have any further ownership rights and/or financial obligations pertaining to this contract. '' On XX/XX/XXXX I received yet another denial of this dispute, stating they " unable to obtain a credit for you from the merchant 's bank, and we must now consider this matter closed. '' I immediately responded that I do not consider this matter closed, and listed the reasons as I have below. 
There are several problems I have with this whole situation : 1 ) Why was my husband 's dispute approved and the balance erased, but mine was not? Everything was the same, exact copies of the dispute with different claim numbers and slightly different amounts, so why not both denied or both approved? The only differences were, possibly the employee who handled the disputes, and I am a woman. 
2 ) I was given an explanation and told how to continue. I did exactly as I was instructed, but it was denied again. No way to appeal was explained or given either. I was told " continue attempting to resolve the matter on your own if you are still unsatisfied with the outcome. '' That is exactly what I am doing. 
3 ) Is it a conflict of interest to arbitrate a dispute between a customer and your own bank? 
This whole situation is riddled with unfair business practices. I was told to continue to attempt to resolve this issue on my own. This is exactly what I am doing. If there are other steps that need to be taken, please send me the information. I have all email and letter correspondence, as well as notes taken from the phone conversation if required. Thank you for your consideration in this matter. 
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 monetary relief
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: IL
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:
To EQUIFAX : I have filed a dispute several times with your company involving a Bankruptcy Public Record incorrectly reported on my Equifax credit report. The updated Equifax report shows Bankruptcy Public Record as VEFIRIED AS ACCURATE. You state you obtained Bankruptcy Public Record Information from local, state, and federal courts through a third-party vendor, XXXX. I have included a letter from XXXX stating they dont report bankruptcy on my consumer file. You have also listed the Agencys contact info as the US Bankruptcy Court. The Bankruptcy Court has both mailed me letters that emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and confirm public records. Please provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report or my release authorization bearing my signature. In the meantime, to fully comply with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Failure to respond satisfactorily within 30 days of this letter will result in a small claims action against your Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; XXXX ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This mortgage was originated with XXXX XXXX XXXX XXXX XXXX in the fall of XXXX, in order to reduce my mortgage interest rate with XXXX at the time that was more than 7 %. My experience with XXXX I was victimized three times. 
1. XXXX withheld one of my payments without posting it and then reported me to the credit bureau for being late. 
2.XXXX  to increased my mortgage payments because the XXXX XXXX XXXX Department of water , claimed that I owed them a {$10000.00} as I was disputing the charges with the XXXX XXXX XXXXXXXX water Dept. I had to take out a loan to pay the bank or have a {$1000.00} mortgage increase. 
I have a single family home but my bill was sometime {$700.00} but this stopped was I had them installed a new water meter. My water bill since average {$200.00}. 
3. As I was processing the refinancing of my home with XXXX XXXX XXXX XXXX XXXX XXXX attached an additional {$15000.00} onto my closing cost. 
So as I started this new account I always paid my mortgage a month ahead. Through automatic deductions 1. Freedom mortgage have held my automatic deductions payments at one time just like XXXX but they could not report it to the credit bureau. 
2. Freedom mortgage also once have applied my advance payment to my mortgage principal without discussing it with me MY COMPLAINT HERE : Freedom mortgage have opened an escrow account sometime earlier this year XXXX, for taxes and insurance.

My mortgage, however call for me to pay my own taxes and insurance : 1. I call the XXXX XXXX XXXX Department of finance,  they informed me that my tax payments were on time. 
I mailed my XX/XX/XXXX tax payment in XX/XX/XXXX, the was paid on XX/XX/XXXX approximately. The XXXX tax customer service, Advised me that when you use the United States Postal Service to make tax payments, it could take up to five weeks before being posted to your account. So the city have started a new pay by phone system.

My next tax payment is due in XX/XX/XXXX And my insurance is paid until XX/XX/XXXX My next mortgage payment should be XX/XX/XXXX, but my bank changed it to XX/XX/XXXX for an increase of nearly {$400.00}.

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 2022-01-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The terms reported is incorrect, please DELETE. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 


Please DELETE/ UPDATE the above accounts as quickly as possible. 

Sincerely, XXXX XXXX XXXX # XXXX DOB : XX/XX/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 2023-03-20
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Discover, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has different notations on each of my XXXX and XXXX credit reports. 

Under 15USC 1681 ( a ) ( i ) I believe I am allowed to verify and correct any erroneous, inaccurate items on my credit profiles! 

XXXX has " collection/charge-off '' and XXXX states " 120 days late ''!!! 

I need these items deleted as they are harming my credit status and the purchase of a home!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Avant Holding Company, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was denied credit by AVANT which is a violation to my consumer rights per 15 U.S. Code $ 1681m - Requirements on users of consumer reports which states ( a ) DUTIES OF USERS TAKING ADVERSE ACTIONS ON BASIS OF INFORMATION CONTAINED IN CONSUMER REPORTS If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall- ( 2 ) DUTIES OF PERSON TAKING CERTAIN ACTIONS BASED ON INFORMATION PROVIDED BY AFFILIATE ( A ) Duties, generally If a person takes an action described in subparagraph ( B ) with respect to a consumer, based in whole or in part on information described in subparagraph ( C ), the person shall- ( C ) Information described Information referred to in subparagraph ( A ) - ( i ) except as provided in clause ( il ), is information that- ) ( I ) is furnished to the person taking the action by a person related by common ownership or affiliated by common corporate control to the person taking the action ; and ( Il ) bears on the credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living of the consumer ; and ( ii ) does not include- ( 1 ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: JPMORGAN CHASE & CO.
State: AL
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 reaching out to you to complain about the credit reporting agencies and companies that have ignored request for removal. The following accounts are not mine and must be removed immediately XXXX, NC XXXX, XXXX XXXX, JPMCB Card. I am a victim of Identity Theft. I have contacted XXXX, XXXX, XXXX on 5 different times with no removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I am prepared to file with the federal courts about the continuous back and forth with the credit reporting agencies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed while under investigation. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received the bankruptcy discharge statement dated XX/XX/2019 stating that this debt was discharged without payment. The company on this discharge was called XXXX. 

I have been receiving emails from Navient about payments since XX/XX/2019. 

I contacted Navient and told them the debt was discharged. I faxed them the paperwork on XX/XX/2019 showing that the XXXX debt was among those discharged in my bankruptcy claim. They haven't responded except to say that my payments are going to increase.

Company response to consumer: Closed with explanation