BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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 information incorrect

Complaint:
I ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I was nearing the end of my XXXX XXXX XXXX XXXX  contract. The equipment for XXXX XXXX was delivered a couple of days later ( after XXXX ) with self install instructions. I wasnt able to complete the install myself, and I hadnt scheduled XXXX XXXX XXXX  to disconnect until new service was installed & functioning properly. Rather than waiting for a technician to eventually install the new services for an additional charge, I decided and renewed XXXX XXXX XXXX services ( as always, paying more than I should for only a little bit of actual services ). I called the next morning, spoke to several people in several departments at XXXX XXXX & arranged the return of ALL equipment. This was later verified, all equipment was received. I was told repeatedly that all equipment was received & that I would not be ncharged ( since no service was ever received ). A few weeks later, I received a bill! I repeated that entire process as described above, AT LEAST 3 times by the XXXX of XXXX! At the end of XXXX, I repeated this process AGAIN, with less patience than usual and stopped receiving billsonly because it had been turned over to a collection agency ( XXXX XXXX )! This then began to show past due/ unpaid on my credit report. Ive since filed XXXX disputes about XXXX XXXX XXXX XXXX XXXX through my Experian app, and called XXXX XXXX AGAIN. I had a lengthy conversations about this- XXXX months after I was assured that it would not be a problem. On XX/XX/XXXX, I was assured this would be completely retracted & I should expect full resolution by XX/XX/XXXX. This was supposed to DELETED from their system & corrected in every credit reporting agencys system, as well. Its been close to a year and I am still spending hours every month trying to resolve something I never owedand its still a problem? I should not have to pay for something I dont owe, nor should I have to pay someone else to fix something that should never have been a problem to begin with. I dont know what to do? Hire an attorney and pay them to prove I dont owe it? Sadly, this is just ONE of the accounts on my credit report, that arent my responsibility and I do not owe.

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 2021-12-08
Company: EQUIFAX, INC.
State: PA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: EQUIFAX, INC.
State: NV
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 plan to get married soon, and a friend of mine helped me pull my credit report. And I swear the are accounts/collections list that i have no clue about. Please assist me in removing this items from my report, so I can move on in life in a positive way. 
All of the items will show on my attached XXXX report. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXX XXXX they closed my account so I dont have an account number. However Ive been waiting for my check for more than 2 months and I was told that because I didnt know the check was sent back they were going to keep it. Now I have to resubmit a form to send the check but that will take another 15 days. I have so much bills I need to pay and Chase does not care they just want to keep peoples money. And the person I spoke to was the rudest person ever they dont even let you talk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20
Company: Bread Financial Holdings, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have previously communicated that this debt is not valid and they have not provided proof of the debt, nor have they stopped contacting me. the most recent collection efforts include someone calling from an unidentified number ( They blocked it ) and leaving a message where they did not say where they were calling from or identify the company. they asked to have my attorney contact them and gave and " agent '' number. 
1 ) this is blatantly abusive and deceptive and a violation of UDAAP. You can not contact someone and not provide information while hiding behind the title agent, like you work for the federal government. 
2 ) when I called back to figure out who was contacting me, I recognized the name, XXXX, as a company who I have disputed a debt with, this is not mine and I will not be threatened of coerced into paying it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX, and XXXX have violated my rights. 

15 U.S.C., 1681 Section 602 A. States I have the right to privacy.

15 U.S.C., 1681 Section 604 A. Section 2. It, also, states a consumer reporting agency can not furnish an account without written instructions. 

The following information is incorrectly reported by XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on XXXX levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX. 

The following information is incorrectly reported by XXXX XXXX XXXX XXXX : JEFFERSON CAPITAL SYSTEM ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on XXXX levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX. 

The following information is incorrectly reported by XXXX XXXX XXXX XXXX : JEFFERSON CAPITAL SYSTEMS ( Original Creditor : XXXX XXXX XXXX ) account number : XXXX, date opened : XX/XX/XXXX, last date active : XX/XX/XXXX. This is fraud on XXXX levels : I have personally contacted XXXX XXXX and told me XXXX XXXX opened the account in XXXX. I was overseas, now this new company is claiming I ( XXXX XXXX ) have an account with XXXX which is libel. I have never had an account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Apparently I did make my payment late. It was due XX/XX/XXXX & I made it on XX/XX/XXXX. The money has been taken from my bank account, {$2000.00} Yeah I received a phone call letting me know my a payment was past due and I needed to make a payment. I explained that the payment had already been made and the money had been taken from my account. The customer service/collection person asked me for a confirmation number. I told her I did not have a confirmation number since I authorize the payment from my bank account and I can see that it has been deducted. The question is where has the money gone? I called the number on the back of my BJs/Commenity XXXX and I received a message that they were undergoing an update and it was taking longer than expected and to please call back. I tried to logon online and was not able to. It is now 12 days later and my card has been declined three times. I can not pay for my groceries or my gas at BJs or anywhere else. I am missing out on rewards that I should be getting and the biggest issue is that my payment isnt applied to my balance but they want me to make another payment. I am disgusted with Commenity bank right now and their lack of transparency of whatever the real problem has been.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15
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:
I've contacted XXXX XXXX XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Please correct my account XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My lender is stating that my home has been foreclosed on but they are in the process of buying it back and they are also stating that it is in the process of being foreclosed on again. They will not discuss any modification options with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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 am writing to you with great urgency regarding the fraudulent accounts that appeared on my credit report, which were a direct result of identity theft. My wallet was stolen by an unknown assailant, which contained my personally identifiable information ( PII ) and my social security number. Despite my previous disputing efforts, Experian has failed to remove the fraudulent accounts from my credit profile, causing significant damage to my creditworthiness and personal finances.

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 2021-12-08
Company: Harley Davidson Financial Services Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Harley Davidson ( XXXX ) has been calling my cell phone number repeatedly, looking to collect from a person named XXXX XXXX, who, it seems, listed their number incorrectly when purchasing something. I was very polite at first, letting them know they had the wrong person, and they should find another way to get in touch with that person. In the last XXXX weeks, I believe I have received XXXX calls from them ( sometimes XXXX attempts in a day if I don't pick up ). I have now spoken to them at least XXXX times, now demanding that they remove my number and stop calling. But the calls persist. I am at a loss at this point as to what action to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
EXPERIAN IS DISPLAYING XXXX  XXXX ACCOUNT XXXX A NEGATIVE ACCOUNT.CAPITAL ONE HAS SENT A LETTER SAYING THEY DO NOT OWN THIS ACCOUNT ( ATTACHED ) EXPERIAN CALLS THE DISPUTE FRIVOLOUS, SAYS TAKE IT UP WITH THE SUBSCRIBER AND REFUSES TO ALLOW UPLOAD OF THE LETTER FROM XXXX  XXXX TO ME.

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 2022-10-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX XXXX XXXX XXXX sent a certified letter with attachments of my credit report and copy of my state ID and Social security card to Equifax regarding incomplete and inaccurate on my credit report and asked them to do a complete investigation making sure all accounts information are completely listed and accurate. If this could not be done I requested that and account that is missing any information or not correct be deleted from my credit files in occurrence to 15U.s.C Sec 1681i ( a ), 15 U.S.C 1681 Section602a, 15 U.S.C 1681 Section A section 2. 
Account name XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX & account number XXXX XXXX  account number XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX ( I noticed on this account the new report that was sent to me has a different account number that my first report that I received on XX/XX/2022 ) They responded with updates that was not fully completed information and still inaccurate information still appears in my credit file. I am not sure who Equifax did their investigation with but to my knowledge I am aware of anyone that was contact to verify information as it states in the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was shopping on the XXXX web site. When I went to check out there was a supposed offer from Chase Bank Credit Card. If I applied for the card I would receive a {$60.00} credit to my purchase and a {$70.00} gift card. I did not receive the {$60.00} credit. I called XXXX about the offer. The XXXX representative researched the issue and told me that it was an offer from Chase Bank. The XXXX representative gave me a local number for Chase Bank since XXXX had no participation in this offer. 
I called the local number and requested assistance. To address this problem I could go to the bank or call a phone number. I didn't want to waste my gas so I called XXXX. Each of the XXXX times I called the number, I followed the directions given to me by the local representative. Each time after waiting for up to XXXX minutes the phone number would hang up on me. While doing this I received a text message saying that someone has checked my credit. 
With the phone number not getting me to a person I found the closest Bank to me. I went to the Bank and complained to a banker. They called the credit card division and was told that I CAN NOT cancel the application that had been started a few hours earlier. 
After talking with the representative from XXXX, the Chase Bank offer was removed and replaced with an offer from XXXX. 
I am thoroughly disgusted with this Bank, it's operation, and the false offer. 
Please perform whatever sanctions on this Bank that are available. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: AMERICAN EXPRESS COMPANY
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 roobed out recently and lost every thing and submitted the police report also to remove my bad credit histroy where done by some one who robbed out and i am facing the problem when i apply for new credit cards or loan geeting rejected due to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2023, I went to the United States Bankruptcy XXXX XXXX XXXX XXXX Florida. I spoke to the Deputy Clerk to follow up on a request that I sent them, requesting information on their process for reporting/verifying bankruptcy records. At that time they confirmed that they do not report nor verify to 3rd parties. I asked to get that in writing and I was provided with 2 letters ( 1 for each record ) which I provided. 
/ Then on XX/XX/2023 I received 2 letters ( attached ) in the mail from XXXX ( dated XX/XX/2023 ) which both stated that they have removed the items from their files. In those letters they also stated that they reached out to Equifax and the other referenced XXXX to have them delete them as well. 
/ The following Monday, I contacted XXXX to confirm and asked them if they actually reached out to Equifax and XXXX and they replied that if they had not, I would not have received the letters. 
/ The same day I reached out to XXXX to follow up and was hung up on 3 separate times whenever I mentioned the letters. 
/ I also contacted Equifax and one of their reps denied any affiliation to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17
Company: LAND HOME FINANCIAL SERVICES
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX After 3 attempts to register a complaint, I have been directed by XXXX XXXX XXXX to file my complaint with the company that the mortgage was transferred to and sold without my knowledge. 

I do not know how XXXX can not be held accountable, as they issued the attached document advising the owner of the property, who is incapacitated, and not her guardian, myself of the transfer of the mortgage. 

Please see the attached document that was sent to the address of the property that was sold on XX/XX/XXXX without my knowledge. It was not sent to me as her legal guardian. 
As I have expressed previously, my address was given to XXXX XXXX XXXX as caretaker of the property and as my mothers legal guardian. The only correspondence from Land Home Financial was sent to this address where it was never received by XXXX nor myself. 
I had no knowledge of the transfer of this loan until the property was sold at a sheriffs sale and upon registering a complaint against XXXXXXXX XXXX XXXX, they provided me with a copy of this document. Landhome financial never contacted me at any time by mail, phone nor email. All of these contact methods XXXX had on file. 

I would like to know how this property could be sold without Landhome financial ever contacting the owner nor myself as XXXX XXXX XXXX daughter and legal representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: First Advantage LNS Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was stayed in XXXX XXXX XXXX for almost like one year , i got another job offer in other place, then i told to XXXX XXXX that i will move to XXXX XXXX , not to break the lease they said yes. then later we moved to another property near my job location and XXXX XXXX called me threatned me discriimated by saying that i will face so many problems in new place, i have that phone recording too. i am staying with my wife and XXXX year old son, potentially they are tried to scare me and they shown hated crime . i said i am not supposed to pay anything. XXXX XXXX  did some polictics because we left the new place with in one month we lost almost like XXXX$ advances and transporation. and then we took another apartment which reuquire to pay more advance and monthly rent . and then i received an email and a call from XXXX XXXX - XXXX XXXX saying that i need to pay XXXX$ to XXXX XXXX , they posted a collection debt on my credit report , they are potentially threatning me and showing XXXX  crime.

Company response to consumer: Closed with non-monetary relief