BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$0.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2022-08-11
Company: EQUIFAX, 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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 is a follow up to CFPB complaint XXXX credit card account ending in XXXX fromXX/XX/2018. 
A letter from XXXX XXXX  was received by me on XX/XX/2018 stating that my complaint was received and that my debt was paid on XX/XX/2018 in the amount of {$6200.00}, which was the agreed upon settlement amount. I was asked to wait up to 45 days for the major credit bureaus to update their records and an apology that XXXX XXXX did not report accurately to the 3 bureaus on my behalf. 
I also have a letter from XXXX XXXX dated XX/XX/2018 stating that this debt was paid. 
Upon checking my credit reports in preparation to purchase a home, I find that XXXX XXXX  is still reporting the account with a balance due of and an open charge off right up until the present time. They have been falsely reporting inaccurate data on my credit report sinceXX/XX/2018. 
This is seriously hurting my credit scores and my ability to get any type of loans. 
This is fraudulent activity by XXXX XXXX and I want this information removed immediately and updated, backdated and all previous reporting that is inaccurate removed from my credit reports in all 3 bureaus. I am happy to provide all written documentation from 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 2023-08-17
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am responding to your letter dated XX/XX/XXXX, regarding CFPB Case # XXXX. While you claim this debt has been properly verified ( which has not ), you have failed to acknowledge that this debt is NO longer legally enforceable based on the Arkansas statute of limitations. As I stated in my original dispute, according to your own account summary : -- The debt originated on XX/XX/XXXX with XXXXXXXX XXXX -- The last payment was made on XX/XX/XXXX -- The account was charged off on XX/XX/XXXX... Under AR Code 16-56-105, the statute of limitations for debt collection in Arkansas is three years. As there has been no activity since the charge-off in XXXX, over three years ago, this debt is time-barred. While you have rights to the paper documentation of this alleged debt, you NO longer have legal remedies to collect on it due to the expired statute of limitations. Attempting to collect this unenforceable debt violates state and federal law. I again request that you cease all collection activity on this account and inform the credit bureaus that this debt is disputed and should be removed from my credit report immediately. Please confirm these actions in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: NV
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 tried to dispute these unauthorized inquiries, however, Equifax is saying that they are a part of my credit report, I never authorized not one of these inquries. 

XXXX XXXX XXXX XXXX XXXXReporting Twice XXXX XXXX XXXXXXXX XXXX XXXX XXXX  -Reporting Twice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: MA
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: JPMORGAN CHASE & CO.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB, Loan number XXXX Attached you will found a letter I wrote to Chase bank, someone from the bank left me a message, said the authorization is removed they refused to talk to me after I just sent them the citified mail with the court documents and death certificate showing I am the wife of XXXX XXXX, he passed away XX/XX/XXXX, and I am the only owner of the property, and I have been paying the mortgage since his death. 
Basically they always use the extra principal payment towards to next few months ' regular payments, after I called ( they admitted that I was authorized to talk to them before ) they correctted the mistake but the payment date was at a very late date not the date when you paid the large extra principal payment, so I paid more interest on the balance I already paid. They also charged one time interest {$240.00} on the statement of XX/XX/XXXX, which is not on the previous statement and interest was only {$190.00} on the previous statement with a higher balance ( before the extra principle payments were made ). 
I have contacted XXXX, the bank refused to answer the complaint I filed. 
The death certificate of my husband, two recorded court files are also attached. 
Sincerely, XXXX XXXX Below is the letter I sent to them recently. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Loan number XXXX Dear Chase, I have contacted you so many times regarding the error you made on the loan payments of the address XXXX XXXX XXXX, XXXX, ut XXXX I have contacted XXXX. 
I have attached two statements, dated XX/XX/XXXX and XX/XX/XXXX. On the statement dated XX/XX/XXXX, you stated amount due principal {$1000.00} and interest {$190.00}, the balance was {$38000.00}. After I made additional principal payment of {$12000.00} on XX/XX/XXXX, you charged me the interest {$240.00}, which is an error, please correct the error as I am about to pay off the loan. 
I am missing statements from XX/XX/XXXX to XX/XX/XXXX, could you send all the statements to my mailing address, XXXX XXXX XXXXXXXX, ut XXXX. 
Thanks, XXXX XXXX Again, I have attached the death certificate and court documents my lawyer filed showing I am the owner of the property, and I have been paying the mortgage since my husband passed away in XXXX, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I 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 Experian and XXXX to validate the account ( A ). It is not permissible to fail to validate the reporting account 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 correct : XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}

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 2019-04-16
Company: EQUIFAX, INC.
State: MO
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 credit report does not reflect the true nature of my credit file. My identity was stolen and fraudulent accounts has been opened in my name, while I was incarcerated. Here are the unknown accounts and I would like them blocked from my credit file. Account # 1 ( XXXX XXXX {$6000.00}, Account # 2 ( XXXX XXXX XXXX {$530.00}, Account # 3 ( XXXX XXXX {$290.00}, Account # 4 ( XXXX XXXX ) {$250.00}. I would like to be provided with the orginal signed agreements / contracts supporting these claims. But they are not mines, please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: OK
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:
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. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-11-01
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
8 years overpaying escrow first Ocwen then PHH know XXXX XXXX.Making payments {$720.00} month escrow. Taxes {$3000.00} Insurance {$3500.00} a year total {$6600.00} actual .I been paying $ XXXX.Overpaying {$2100.00} a year for total {$17000.00} not including compound interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX home XXXX mobile Account : Portfolio Recovery Associates, LLC # XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Seller : XXXX XXXX XXXX  XXXX In XX/XX/XXXX, I made arrangement for a debt that I originally owed to XXXX XXXX which was sold to Portfolio Recovery. To pay off this debt, I spoke to a representative at Portfolio Recovery, legal department. My arrangements were as follows : {$200.00} initial payment following {$100.00} each month ( XXXX day of each month ) and the last payment of {$65.00} due XX/XX/XXXX. 

The original amount due was {$2000.00}, Portfolio Recovery settlement in the amount of {$1400.00} plus {$200.00} court total due of {$1600.00}. I initially paid {$200.00} when I made these arrangements and {$100.00} would be due every month beginning XX/XX/XXXX until XX/XX/XXXX, and the last payment would be {$65.00} on XX/XX/XXXX. I have paid each payment until XX/XX/XXXX. My total remaining due is {$860.00}. 

To date I owe Portfolio Recovery {$860.00} which I verified today ( XX/XX/XXXX ) by calling them. On my credit report, all three agencies, it states that as of XX/XX/XXXX I owe {$1300.00}. I have called Portfolio Recovery numerous times. After, many, many, many calls, no action has been taken by Portfolio Recovery to correct the amount that I presently owe, {$860.00}. I have verified each month and complained about this error but they do nothing to correct the amount due with the credit agencies. ( XXXX, XXXX, XXXX  ). 

This seems to be against the law to not report the correct amount due on all 3 credit agencies. This continues to tarnish my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: PNC Bank N.A.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I paid mortage for XX/XX/XXXX in 4 installments : XXXX XXXX XXXX XXXX which is a total of : {$3100.00}. The monthly payment is {$310000.00}. 

PNC still has Payment Due XXXX which has been fulfilled as of XX/XX/XXXX. On XX/XX/XXXX a late charge was assessed and the account was reported as delinquent. 

This is incorrect and I'm unsure why PNC has not corrected this error. My credit score has dropped XXXX points based on this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 credit report does not reflect the true nature of my credit file. My identity was stolen and fraudulent accounts has been opened in my name, while I was incarcerated. Here are the unknown accounts and I would like them blocked from my credit file. Account # 1 ( XXXX XXXX {$6000.00}, Account # 2 ( XXXX XXXX XXXX {$530.00}, Account # 3 ( XXXX XXXX {$290.00}, Account # 4 ( XXXX XXXX ) {$250.00}. I would like to be provided with the orginal signed agreements / contracts supporting these claims. But they are not mines, please remove.

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: TIDEWATER FINANCE COMPANY, INC.
State: MI
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:
Tidewater finance report my account late 3time and I have a proof for automatic withdrawal and history of payment since 2017 !!I field dispute with XXXX and no respond called tide water they don’t wanna give a good reason !one of the agent told to call the cops and he hanged up on me !need help plzMy score dropped since they put those late payments on my credit report !I need your help or my final step to call a lawyer .thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions 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 am not a credit repair agency, I am a person that is a victim of identity theft, please attached supporting documents

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 2023-08-16
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I received a letter from Resurgent stating that I owed a debt LVNV Funding LLC money. They didnt include any information other than the original creditor of XXXX XXXX XXXX on the letter. I sent them a letter on XX/XX/XXXX requesting more information regarding the debt. I received no response. In XXXX of XXXX I noticed that LVNV Funding placed the collection on my credit report. I sent a letter to all 3 credit bureaus requesting this be taken off of my credit report due to fraudulent activity from this account. I sent a copy of the police report showing the creditor listed. In XX/XX/XXXX I sent another letter directly to LVNV requesting contract or agreement with all parties information with no response either. Now they are sueing me for the collection when they never responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received and activated a new Citi Bank credit on XXXX/XXXX/2019. Next day I used for four charges for a total of {$140.00}. Then I made another larger charge with another merchant and the card was rejected and blocked. I called customer service to inquire and they confirmed that I could not use the card pending some verifications needed. After providing the information they had requested, and for reasons unexplained to me they could not get the verification they wanted. Then I requested the cancelation of the card through their online customer service chat. I was informed that they could not cancel the account until the block was removed. The removal of the block is beyond my control, and now that I want to account close I do not care about the block. However, the company will not close the account, as requested, because " the block need to be removed first. '' I am sending the balance payment check by mail, but I need your help in having Citibank to close my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: BARCLAYS BANK DELAWARE
State: CA
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:
Barclays bank combined non-related billing disputes into a single 'billing dispute case ' ID XXXX rather than keeping them separate as they were separate merchants and charges for different products/services. Specifically, a dispute against XXXX where clear evidence showing 'double billing for the same product and service ' was not resolved. 

Documentation was provided to the bank that an AUTO RENTAL booking was fully prepaid on XX/XX/2019 and then double charged by XXXX on XX/XX/2019. Later, additional charges of {$99.00} were made onto my XXXX VISA account without my consent ; I reported the charges to XXXX who confirmed the final charges for my contract did not include any {$99.00} charges. 

The bank failed to refund the {$170.00} disputed charges ( out of a total {$250.00} among 3 transactions ).  There is one clear double-charge and one charge which is unrecognized by the card holder.

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