BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-24
Company: JPMORGAN CHASE & CO.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Chase Credit Card Services has started calling me, in an harassing way, over the last week, beginning on Monday, XX/XX/2020. During that call, I spoke directly with a woman who told me she was with customer service and assured me she wasn't with collections. I'm still not clear on why she called because our conversation was very garbled, but I know she said they wanted to know how they could help me. I'm not sure what that actually means. However, I told her the same thing I've been telling them through their secure web site since COVID shutdowns began. I experienced a XXXX three years ago and took some time off work to heal physically and emotionally, living on savings I had specifically set aside for that purpose. In XXXX and XXXX of this year, I began interviewing for positions, but then the shutdown occurred in XXXX. Since I was not eligible for either XXXX ( I'm not considered XXXX by state and federal standards but still have to be careful about the types of activities I'm involved in - can't stand or walk for long periods of time, can't lift packages over a XXXX limit, etc. ) or unemployment ( because I had left my position voluntarily after that contract ended ), my finances continued to dwindle. 

I'm still looking diligently for work, but like many people, I am still unemployed. I was also XXXX in XXXX and have been staying with friends but am basically XXXX while trying to heal. 

Chase has called once every hour today ( at least XXXX times so far, and it's about XXXX XXXX now ) but is not leaving a message. I don't answer calls from people who don't leave messages, and I prefer to do business in writing so I have a record. Is there any way you can have them stop these tactics and at least tell me what it is they want? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: TN
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:
Collection Account : ( Original Creditor : ) Account No. XXXX Balance : {$150.00} and {$430.00} This is a formal complaint against Equifax XXXX The name of the furnisher is not reported correctly. I have disputed this account with the credit bureaus for the 6th time or more and this has been deleted by the other credit bureaus. How is this still reported in Equifax when the other two bureaus have removed this from my credit report? 

The collector changed their company name to XXXX  ( XXXX XXXX ), which used to be XXXX  XXXX. These changes on their company 's profile have made a negative impact on my credit report because it resulted to the account being re-aged and that is not fair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had account with Capital One Bank they garnish my check inXX/XX/XXXX so now the account is paid in full. I noticed on credit report XXXX XXXX collection opened account {$610.00} XXXX XXXX and the original creditor is Capital One Bank. I didn't authorize Capital One to sell my information and the account is paid in full. this defamation of character I will sue they need to remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1935 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PREFERRED COLL & MANAG XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PREFERRED COLL & MANAG XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1935 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with customer service

Complaint:
Starting on XX/XX/2020 at XXXX XXXX  ET I had two online transactions declined ( two different international merchants ). The Capital One website indicates that there is ongoing "  maintenance '' and the account has not been updated since XX/XX/2020 at XXXX XXXX  ( nearly 48 hours ago ). 
I called Customer Service and spoke with a rep in the XXXX who was reading a script and kept repeating " sorry for the inconvenience, you need to call back in 3-4 hours ''. I asked to speak with a supervisor ( XXXX in XXXX, ID XXXX ) who was also completely unhelpful and kept repeating the same script over and over. 
It appears that this is not routine maintenance, but a problem with the system since the account has not been updated in nearly 48 hours. Moreover, how is it possible that the card doesn't work for several hours during " maintenance '' and there is no way to get any help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Experian Information Solutions Inc.
State: TN
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 attached a document that has 8 accounts that reported late. THE ACCOUNTS WERE IN DEFERMENT AND THE INFORMATION REPORTED IS INCORRECT.

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 2020-04-28
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:
XXXX  and Transunion continue to report a fraudulent account on my credit report that does not belong to me. I have tried numerous disputes to no avail. They are in violation of the FCRA.

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 2021-01-20
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$320.00}, {$0.00}, {$550.00}. 
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 ) -- OPEN ACCOUNT 1. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -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 2022-08-12
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert that this company added items to my credit report. I never received any notifications from this company that I owed a debt. My rights were violated under the FDCPA. I was not afforded the opportunity to review any documentation nor dispute its validity. Under the law they must notify of the alleged debt and I have 30 days to respond and they did not do so

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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: Information belongs to someone else

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; LAW OFFICES XXXX XXXX LAW OFFICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2021-10-04
Company: PNC Bank N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: CrossCountry Mortgage LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
The Lender on my new Jumbo mortgage is impounding too much money into escrow to cover property taxes and home insurance. The name of the XXXX is : CrossCountry Mortgage LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per CFPB 1024.17 Escrow Accounts ( c ) ( 1 ) ( i ) Charges at settlement or upon creation of an escrow account, I have performed an independent calculation of the Aggregate Adjustment number on the Closing Disclosure and have come up with a materially different number than my lender. 

My calculation shows that the Aggregate Adjustment should be a credit of {$2100.00} whereas the Closing Disclosure shows it as {$790.00}. The lender is padding the escrow account by {$1300.00} too much. 

I attempted to get the lender to fix this up until the last minute at closing, but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
11 XXXX XXXX XXXX XXXX has been sending me collection notices in the mail about of {$670.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2020-03-27
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:
Iwouldliketorequestthesuppressionofthefollowingitemsfrommycreditreport,  whicharetheresult ofmyfallingvictimtoidentitytheft

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 2021-10-20
Company: Consumer Portfolio Services, Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My name is XXXX XXXX I use to have a loan through Consumer Portfolio Services with a ridiculously high interest rate of 24 % I had a car which they been got back in XXXX it's almost 5 years later. I use to get calls from them 4-5 a day on my Federal Government phone at work up until XX/XX/XXXX when I left the agency. They use to threatened to have me arrested, come to my job and more. I always madevthem aware that they were calling a place of business a Government agency at that and what they were doing was harassing me. 

They started finding family members telephone numbers calling them telling them my debt information and that I was going to jail. Most changed their numbers to avoid the harrassing calls it was terrible. I had to constantly apologize to them for the company behavior. 

I was then living in a different place at the time XXXX XXXX XXXX is what they had on file. I moved from that residence and I had made them aware of it back in XX/XX/XXXX, when I voluntarily called them to attempt to settle the debt of {$5400.00} they were NOT willing to work with me knowing I wasn't gainfully employed. They asked me to submit to them all my monthly expenses and I supplied it all. 

As stated I contacted them at the time they had no way to reach me my home address had changed couldn't receive any mail from them or receive calls my work number was no longer active as of XX/XX/XXXX and my cell number was different. I had also made them aware of my new address which they obviously never documented because as you will see from the payment plan offer letter it has my old address on it, therefore I had no knowledge of anything. 

I was not aware of not judgment against me of any sort until XX/XX/XXXX. When I read the Payment Plan letter their attorney emailed to me which I requested trying to settle the debt. 
I was baffled that it was a legal case filed against me. I then typed in the case number online Maryland Case Search to see ifbit was real. ( It was really a case ) I had tried to settle the debt again in XXXX of XXXX when I was paying off many other debts with the help of a friend. Consumer Portfolio were willing to comply with any figures I offered said NO. 

Again to no avail... I reached out to them again this month XX/XX/XXXX and surprisingly they made a temporary payment option that is extremely ridiculous 24 % they are attempting to apply same high interest rate that was attached to the loan. Interest accrued {$390000.00} total I'll be paying them {$9900.00}. Simply use heard of they are trying to take advantage of me. That is more than the ble book value of a car they've been had possession of and SOLD. When I secure a job I'll pay that debt off in full the {$5400.00} before I sign documents binding myself to more debt. I have attached emails supporting all that I've stated in my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: EQUIFAX, INC.
State: CT
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: Problem getting your free annual credit report

Complaint:
On XXXX XXXX I attempted to get my credit report on Equifax web site and it said the information did not match their records. Equifax has not updated my student loans accounts XXXX XXXX XXXX/XXXX accounts. 

They where consolidated on XXXX XXXX and my Equifax report still shows balances and that the fifteen accounts open with balances. 

This is negligence on their part and I am writing this complaint because they have not updated my report to reflect the account closed and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, for months. XXXX and Transunion refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2020-04-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft. I have provided Equifax Credit Union with All identification documents, police report and a copy of my Federal Trade Commission report. I was informed by agent ( XXXX ) on XX/XX/20 to send in a copy of my police report in order for requested fraudulent activity to be Blocked from my report. Spoke with agent on XX/XX/20 to confirm receipt of requested document. Agent ID # XXXX at XXXX CST stated all documents were received on XX/XX/20. Writer confirmed with Agent that request for the following accounts was received and reviewed. 

Fraudulent Accounts 1. XXXX XXXX 2.XXXX  XXXX 3XXXX XXXX 4.XXXX  XXXX All above listed accounts are a result of identity theft. Has been requested over 30 days ago to be suppressed from my credit profile. Agent confirmed that request was received and reviewed over 30 days ago. Equifax failed to notify me as well as failed to suppress Fraudulent activity from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Im trying to use XXXX XXXX to pay my rent but it says PNC will not allow it.. I need as much help as I can get during this pandemic & my bank is stopping me.. thats not right. I have a newborn  to care for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: TRUIST FINANCIAL CORPORATION
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX My life address is XXXX XXXX XXXXXXXX XXXX y never live in the states i never brought a car in the states this account is not mine, i have prove of working here in PR and water and electricity bills with my name. 

BB & T account its not mine the information is Inaccurate and incorrectly I am writing to dispute a charge of ( {$4300.00} ) The charge is in error because i never brought a car or anything from BB & T. 

I suffer a identity theft in the same year, this is not the only error or fraud that the person made.He made the same in XXXX XXXX XXXX with another car, its sad for me because i am trying to buy my dream house i am a veteran and i think i deserve better. 
This is the police report number : XXXX made in XXXX XXXX XXXX XXXX I made this report in XX/XX/2019

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