BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-21
Company: EQUIFAX, 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 {$7400.00}, {$20000.00}. 
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  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: NEW YORK COMMUNITY BANCORP INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have loan with Flagstar bank and they are saying that I had a lapse in insurance coverage. I never had a lapse in coverage and provided them all the paperwork showing this. They added a XXXX fee to my Escrow which I have never had an Escrow accounting because we did 20 % down when we bought the house.

I called them on the XXXX and provided them all the documents the same day. The fee has not been removed and I was forced to pay it today so I would not be charged a late fee or interest affected for paying late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: HYUNDAI CAPITAL AMERICA
State: NJ
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 identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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 2022-12-14
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: 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too. 

I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately. 

XXXX XXXX XXXX XXXX Charge-off {$0.00} XXXX XXXX XXXX XXXX Charge-off {$74000.00} XXXX XXXX XXXX XXXX XXXX  XXXX Charge-off {$6700.00} XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX  XXXX {$0.00} XXXX | XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX | XX/XX/XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX  | XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX | XX/XX/XXXX XXXX XXXX {$0.00} XXXX | XX/XX/XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX 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 2020-11-30
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2019-11-06
Company: LEXISNEXIS
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 have disputed bankruptcy information with the three credit bureaus and they are claiming they have verified this information to be accurate. As you may see from my attachment that the bankruptcy court does not provide any information to credit agencies. The information is coming from a third party company called Lexis Nexis who gets it from Pacer or some other form of record pulling. This information is not being verified legally from the " said '' creditor which listed on my credit report is the bankruptcy court. This obviously isn't being done due to the fact they don't verify information with credit agencies. So instead of verifying with the court in which they can't they verify with Lexis Nexis. I have placed a freeze on my Lexis Nexis information as well, but yet they still claim to have verified it as being accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2019-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XX/XX/2019 Monthly amount being paid every month for 4 or 5 years and company reports 6 mos behind the whole time

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 2019-11-06
Company: Incomm Holdings Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Im not sure of the dates the note I entered in my phone was in XXXX at least 45 days after I made them aware the same night after using my card at XXXX numerous transactions were attempted for to much and then lower amounts on XXXX for almost {$300.00} to empty out my One Vanilla card. When I called them they turned it off so I cant look at anything online anymore. I was told several times to call back at a later date. Tonight was informed they sent me a dispute packet in my email ( Never received in spam or inbox ) that I have to fill out a form when I was already told that they shut off all the transactions were still pending when I notified them. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Rubin & Rothman, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have attempted to resolve this debt voluntarily on numerous occasions. I have now received a summons indicating that the plaintiff is XXXX XXXX XXXX. In contacting XXXX XXXX XXXX they have advised me that they sold the account a long time back to a company called XXXX XXXX. I think that Rubin and Rothman are baiting me into paying the debt by utilizing XXXX XXXX XXXX 's information on the plaintiff category. I now have 20 days to reply to this or they are executing a judgement against me. I question as to how many others have been in this position and how many were unable to provide an answer therefore a judgment against them was processed. They could be collecting millions of dollars through illegal judgments.

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 2019-11-06
Company: Duvera Billing Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I got a loan from DuveraXXXX XXXX, I paid for some months an later I was unable to continue making payments on my account because the payment service or website was not working, after 30 days they sent the account to collections even when was not fault that their payment processing service was down and can't accept payments. 
I still being calling this company thru different numbers but all those phone numbers XXXX, XXXX, XXXX, XXXX, but any of those phone numbers works. 
Since they sent to collections my account by mistake, this hurt my credit score, and just because this company does not take phone calls I can't pay them of negotiate them. 
Also I being looking their website like https : //duvera.com/index.htm and XXXX XXXX XXXX I disputed the account thru the credit bureau agencies because I never had the opportunity to pay this account, also this account was charge off just after 30 days late payment and I was because they do not allow me to make payments. For some reason the credit bureau investigation resulted as " verified '' How they verified if nobody answers the phone??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transfered and the company did not satisfy all the notification requirements. It failed to notify me of where the transfer of ownership is recorded, which is a RESPA requirement. 

On XX/XX/2019 the loan was transfered. The company reported me l ; ate for payment made on XX/XX/XXXX for the XX/XX/XXXX payment, as well as the XXXX payment. 

Since the company was deficient in its notification I should not be reported late.

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 2023-03-02
Company: Credit Systems International, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have filed multiple times that I do not nor have I have had XXXX XXXX XXXX which is based in XXXX Texas. This company dies not operate in New Jersey. This is the state I have lived in for my entire life. I do not have any solar panels nor do I have any business with this company. No bills have ever been sent to my house. This is not mine. I have filed this 3 times this past year. I have amazing credit because I work hard to pay all my bills on time. This company is not a legitimate company. This {$280.00} bill is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Experian Credit Bureau is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of UNCONFIRMED information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please reinvestigate the whole information especially the account type, date opened, balance, comments, and payment history. This information seems to be misleading. This will need to be updated pronto. 
XXXX SELF-REPORTED 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
Consumer complaint received 2019-09-25
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried contacting ACS however they were bought out by Conduent. i have attempted to look for phone numbers or emails to ask regarding an closed account that appears to be open, none that are provided are in service

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was XXXX  down in XXXX XXXX in the month of XX/XX/2022. During the altercation I lost my wallet containing the Chase credit and debit card, and also my cellphone. I managed to check my accounts and saw multiple fraudulent charges. I contacted JP Morgan Chase and reported the theft and charges. The credit card charges were canceled and I did not have to pay to cover the charges. On my debit card, the thieves were able to get into my cellphone and XXXX themselves {$2000.00}. When I contacted Chase about this charge, they advised since my cellphone was used it was a valid charge. I got a police report from the XXXX XXXX Police Department to show I had also lost my phone used in the transaction. I submitted this to JP Morgan Chase, and the team who looks through these files, again denied to refund my money. I submitted several claims to have the " team '' at Chase look into this and it was never resolved. I am submitting this claim through the CFPB to have this case looked at again. I have provided enough proof that this was not me, and yet I am out {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
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: Investigation took more than 30 days

Complaint:
I sent out a letter To Verify The Accuracy On my Credit Report. They were unable to provide me with a copy of the supporting documentation as proof. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. its been way over 30 days and i have no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Capital One is insisting I have no claim of fraud, and so they are not refunding false charges made on my account -- they say because I gave my credit card number to the people making the false charge. I was victim of a scam, in which I I did give my credit card number to scammers because they were posing as XXXX XXXXXXXX. I reported to credit card company within two days, after learning from the real XXXX XXXX that they had no such transaction with me in their records. Capital One put a refund into my account while they " investigated. '' But today that refund was reversed in my account and the investigation closed. I've been on the phone with several departments at Capital One today, for several hours, and all insist they can do nothing because I gave my number to the scammers. The fake charges on my account showed up as from " XXXX  XXXX '' but the identifying info with it is easily determined to be fake -- the money did not go to XXXX  XXXX. Capital One 's " investigation '' consisted of contacting the scammers and asking them if I had made this charge with them. Scammers said yes I had, and sent falsified documents purportedly showing the itinerary I purchased. Those documents were also easily identified as fakes ( putting the included phone number into XXXX links to XXXX XXXX website and definitely not XXXX  XXXX ). Capital One accepted these documents and closed my case, and that's when the $ XXXX showed back up in my account as me still owing it to the credit card company. ( Not to mention Capital One accepted a fake charge in the first place -- a fake name attached to identifying info not related to the identifying info of the real XXXX XXXX! )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I originated my loan XX/XX/2018. I just received my new Escrow analysis that has left me with a {$1900.00} shortage. spread over the next 12 months this is increasing my mortgage payment by {$300.00}, making it now unaffordable. I have made calls to my insurance company, my city and my County, all of which have told me that nothing has changed in their billing. Upon further review I have found out that the title company that was hired to finish the closing process for my loan had taken the country auditors property value of a XXXX ( reporting as of 12 years ago when the home was purchased by the previous owner ) instead of my property value which was XXXX. Huntington not only had the appraised value, but also had the loan value to accurately estimate my taxes. but due to gross negligence they severely undercharged me, which is now putting me in a hardship for the next 12 months. this violates all FDCPA and UDAAP laws. under guidelines they can not sell me a loan that I can not afford. Huntington has essentially now made my home unaffordable, that throws me involuntarily in to potential default. The underwriters, and the title company should be held liable for their miscalculations. I should not have to bare the brunt of their mistake, and potentially lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: GA
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:
This is not my authorized inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: LA
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 submitted a letter to them but I never receive any response or notification on what happen on the investigation they were suppose to do regarding the accounts I mentioned on the letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation