BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I am writting you this letter in regards to open student accounts/loans reporting on my credit report. These specific loans are reporting inaccurate balances. They have not been verified to be belonging to me. They have also, reached the reporting limit statue of 7 years. I am requesting that the following student loan accounts be removed from my credit report imediatly. This is negatively affecting my score, debt to income ratio, and the process of buying a home. I will wait 14 days to ensure the removal of the accounts listed below before I proceed further. I hope that this matter is resolved in a timely mannor. 
The accounts to be removed are as followed : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX / XXXX {$430.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX XXXX / XXXX {$440.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ XXXX {$530.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ XXXX {$1200.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ XXXX {$1500.00} XX/XX/XXXX ( 3 yrs, 6 mos ) XXXX XXXX/ XXXX  {$1800.00} XX/XX/XXXX ( 6 yrs, 9 mos ) XXXX XXXX/ XXXX {$2000.00} XX/XX/XXXX ( 4 yrs, 6 mos ) XXXX XXXX/ XXXX {$2200.00} XX/XX/XXXX ( 2 yrs, 8 mos ) XXXX XXXX/ XXXX {$2200.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX/ XXXX {$3000.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX/ XXXX  {$3100.00} XX/XX/XXXX ( 6 yrs, 6 mos ) XXXX XXXX/ XXXX {$3500.00} XX/XX/XXXX ( 6 yrs , 9 mos ) XXXX XXXX/ XXXX {$3500.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ XXXX {$3600.00} XX/XX/XXXX ( 8 yrs, 2 mos ) XXXX XXXX/ XXXX {$4300.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ XXXX {$4500.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ XXXX {$4500.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ XXXX {$4600.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX  {$4700.00} XX/XX/XXXX ( 1 yr, 6 mos ) XXXX XXXX/ XXXX {$5300.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ XXXX {$5900.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ XXXX {$7200.00} XX/XX/XXXX ( 3 mos ) XXXX XXXX/ XXXX {$8400.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ XXXX  {$9200.00} XX/XX/XXXX ( 8 yrs, 2 mos ) I am filing this complaint against XXXX XXXX XXXX XXXX/ XXXX as well as the credit reporting agencies.

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 2022-02-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Amazon Chase approved a credit card allowing me to purchase a product through Amazon on XX/XX/2022. I received an approval email and received the card. XXXX business days later, they closed the account previously approved for the reasons that on XX/XX/XXXX, they approved the credit line. My credit file was unchanged during this time. They have not explained why or HOW the same credit profile within XXXX days was approved and unapproved. I am demanding an explanation or the specific criteria used in both instances. 

In addition, since they wrongly closed the account, I had no way to make a minimum payment online, I received the first statement with a late fee! So I had to mail a check. They have fraudulently closed this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX of XXXX, Dynamic Recovery Solutions reported a debt to my credit report for {$350.00} from XXXX  Hospital. I was never a patient aXXXX XXXX Hospital, nor have I ever stepped foot into XXXX Hospital, so I disputed the debt through XXXX as not my debt. XXXX came back and stated the debt collector stated it was mine through a bill, so they were not going to remove the debt. On XXXX I mailed a debt validation letter through certified mail ( XXXX tracking # XXXX ) to Dynamic Recovery Solutions and they received the certified letter on XXXX. After XXXX days of no response from Dynamic Recovery Solutions, I mailed a second debt validation letter through certified mail on XXXX ( XXXX tracking # XXXX ) and they received it on XXXX. Still with receiving no response from Dynamic Recovery Solutions, I contacted them via phone on XXXX. After speaking with a representative of their company, they advised me they did not have the documents to validate the debt and that they were waiting on the documents from XXXX Hospital. I asked them to remove the debt from my credit report because they did not validate the debt within XXXX days of the first letter I sent, which they stated they did receive and the representative stated they would not and theyre waiting on the documents from XXXX  Hospital . At this time they have no validation of me being at XXXX Hospital, they do not have any documents with my signature on them accepting or approving treatment, and they have nothing stating I agreed to pay any bill with XXXX Hospital. Any help will be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: Genesis FS Card Services, 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: Account information incorrect

Complaint:
Well what happen is that someone try to open an acct with XXXX XXXX, XXXX dept store, Indigo credit card and i did not apply on these places.and really do not know the procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The account referenced unexpectedly stopped receiving paper statements in XXXX XXXX XXXX. The statements are relied upon to manage and account for credit accounts. I was unable to contact Synchrony Bank office to account for the missing statements due to Covid-19 and severe lack of customer service personnel ; only after Ashley Furniture stores were reopen to the public was I able to get in touch with the credit department to request receiving statements again. By this time, XX/XX/2020, a critical timeframe had passed and Synchrony applied interest charges of {$1000.00} that would not have occurred had the balance been known to the client from XX/XX/2020- XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-11
Company: BWW Law Group, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX and XXXX XXXX has hired another attorney to intimidate and threaten me after their admission to forged signatures and fraudulent documents in XXXX City Circuit Court.
<P/>
The following is complaints for BWW Law Group and XXXX XXXX 1. Candor Toward the Tribunal Rule 19-303.3 - BWW Law Group accepted XXXX as a client with knowledge of forgeries and fraudulent documents. The admissions are attached on 3 separate statements the admission was made. ( see forgery statements attached ) - BWW Law Group accepted XXXX as a client with knowledge of a Forensic Document Examiner 's report that my ( XXXX XXXX ) signature was forged. Though the Circuit Court judge ruled authentic signatures, there is a claim filed with Judicial Disabilities.
( see Forensic report attached ) - BWW Law Group/ Attorney XXXX was aware of the mortgage payment discrepancies Attorney XXXX stated in 3 letters that the amount is {$130000.00}. XXXX and XXXX XXXX submitted court documents that the amount is {$160000.00}. ( see attached discrepancies.
- BWW Law Group and XXXX XXXX fraudulently submitted a validation of debt after XXXX XXXX  submitted an affidavit that the note was lost. ( See affidavit attached ) 2. Respa Violations -XXXX and XXXX XXXX submitted 5 different versions of settlement sheets, presented in court with differences in loan amount, contract sales price, amount due from borrower, signature of borrower and date signed.
- The deed was notarized one year after the alleged settlement date.
-The deed was recorded 8 months after the alleged settlement date.
<P/>
3. Violation of Federal Debt Protection Act - XXXX has trespassed on my property leaving a notice taped to my railing.
- XXXX representative told my neighbors I was being foreclosed on within the past 30 days. The harassment has been extreme I have filed 2 Cease and Desist.
- I have received threats from local XXXX # stating that I will be out on the street 4. Violation FTCA - BWW has called my work number at least 5 times. These were the threatening phone calls. I have returned to XXXX after living through this horror with XXXX XXXX  threats for years.
<P/>
I have maintained from the time that I received the fraudulent validation of debt documents that this is not my note and this is not my deed. My name has been placed all over someone else 's debt.
<P/>
Respectfully, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do n't have an account with Capital One which has sent an account listed in my name to an Attorneys office for collection. 

This account was written off 2 years ago according to the letter attached with Capital One. This account was opened " online '' which was not by me, therefore, Capital One does not have a signed contract from me.

Capital One has agreed to Cease and Desist their collections. 

However, I just received a notice from : XXXX XXXX, XXXX XXXX XXXX XXXX OF XXXX, STATE OF NEVADA regarding Capital One Bank vs XXXX XXXX. 

They want to file a Default Judgment on me. 

This is not my account. 

Capital One has Ceased all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: TN
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:
Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: NETWORK CAPITAL FUNDING CORP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
During a refinance closing on XX/XX/2021 we submitted a check in the amount of {$1800.00} to be directly deposited into our new escrow account to avoid rolling escrow funds back into the loan. The first statement we received did not reflect the submitted funds in the escrow account or anywhere else in the statement. 
We reached out to the customer service department who said they wouldn't be able to view the closing documents for six weeks and therefore could not assist us. 
Since that answer was not acceptable nor credible, I reached out to the loan originator to get help. He directed me to a " XXXX XXXX. '' to resolve the issue. I contacted " XXXX '' by email and then by phone since he did not respond to the email. I described our issue to which he told me he would look into it. 
After a week of silence I wrote an email describing the issue again, attached pertinent documents and sent it to the customer service e- address on XX/XX/2021 which eventually elicited a response from a XXXX XXXX who appeared to put things in motion. 
As of the writing of this complaint, this has still not been resolved, Our homeowner 's policy is now past due because of the company 's inaction, we still see no mention of the {$1800.00} on the most recent statement and all they've done so far is tell us that an ex-employee made a mistake but they've done nothing to explain where our funds are and how they're going to remedy the issue.

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 2022-02-17
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage with RP Funding Inc. We received an Annual Escrow Account Disclosure Statement on XXXX stating that we had a surplus in our escrow account in the amount of {$890.00}. The statement said if the check wasn't enclosed with the statement then they would send a check out within 30 days of the date on the statement. 

On XX/XX/XXXX I contact RP Funding because I didn't receive the check yet. They told me it wasn't mailed until XX/XX/XXXX and that it could take 14 business days to receive it. We received the check on XX/XX/XXXX and deposited it via the ATM at our bank on XX/XX/XXXX ( my husband tested positive with XXXX  XXXX so we could not leave the house until the XX/XX/XXXX to deposit the check ). 

Today we received a letter in the mail from our bank that RP Funding stopped payment on the check we deposited on XX/XX/XXXX. Today we also received a letter from RP Funding stating they stopped payment on the check and that they would reissue a check within the next 15 days. This is not right. We were charged by our bank for the check being returned and we need the money now. It's our money. We tried to get them to overnight a check and they would not. We asked for a copy of the check they sent out supposedly on XX/XX/XXXX but they said they didn't have a copy .... 

We want our money not lies. They lied to us several times already. They almost made us bounce items because they stopped payment on the check for NO REASON. 

Please help us we need the money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Experian Information Solutions Inc.
State: CO
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:
Experian shows XXXX  XXXX XXXX XXXX as write off on my credit report and I made a agreement with the collection company to pay it off for XXXX. Both other credit agency have removed it. I have did to disputes with experian and gave them proof it was paid off and it still on my credit,.

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 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
To whom it may concern, hello. 

There are 2 regular credit inquiries that have been incorrectly reported and are reflected on my TransUnion Credit Report ( File Number : XXXX | Date : XX/XX/XXXX ) that I DO NOT recognize : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have already previously contacted XXXX XXXX ( XXXX ) and spoke with at least 2 associates from both product departments ( XXXX XXXX XXXX ) on ( XX/XX/XXXX ) advising that I am not aware of these product inquiries, that the information is being incorrectly reported, and requested them both to be removed but they are still being falsely reported on my TransUnion Credit File. I recently contacted TransUnion, LLC 's Fraud Department ( XXXX ) again, today ( XX/XX/XXXX XXXX XXXX  CST ) spoke with a Fraud Department Specialist who advised this step needed to be completed in order for them to remove the incorrect inquiries being reported in their system. 

I would like assistance in getting this incorrect information deleted and removed from my TransUnion Credit Report, promptly to avoid inaccuracies being reported on my profile. Thank you, kindly, for your time and attention regarding this matter. 


Sincerely, 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 non-monetary relief
Consumer complaint received 2022-02-17
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: Account status incorrect

Complaint:
I had recent taken a construction loan at XXXXXXXX XXXX  XXXX XXXX XXXX who at this time are being investigated by the XXXX XXXXXXXX XXXX XXXX XXXX XXXX for misappropriation of the client 's funds where as some {$17000.00} has not been account for or is missing Therefore I strongly believe XXXX XXXX  or someone from their establishment has altered my credit with the help of Equifax where as my credit score has drop more than from XXXX to XXXX more XXXX points for a single loan being reported as XXXX different loans wherein they are actuality XXXX in the same. 

This problem seem to be associated with Equifax and XXXXXXXX XXXX  XXXX XXXX only ; The XXXX other Credit Reporting agencies are not reporting it, which lead me to think the XXXX are the corporate, in fact the bank loan officer said they only will use Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
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: Public record information inaccurate

Complaint:
I have disputed and had an account and bankruptcy deleted BUT equifax continues to reinsert fraudulent information ... an collection for {$600.00} from att credit as well as a BANKRUPTCY CHAPTER XXXX .... these are not mine and Im uploading two credit reports to show that these items were not on my report yet magically reappeared

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX, I proceeded to call Navient about two items : removing cosigners, and lowering the monthly payment on two of the four private loans. In regards to removing cosigners, they implemented in recent years that the student would need a degree or certificate ( proof of program completion ) as a requirement. This was not the rule back when I opened the loans in XX/XX/XXXX. I have been able to pay the standard monthly payment for over a year now, and they still deemed me ineligible to remove cosigners. I believe that this is a scam to force the borrower ( s ) to pay. I explained to the representative that I work full time and had no intention of completing school. She explained that of their requirements to remove cosigners, if I was missing one item, that I was disqualified from taking such an action. Being denied, I moved on to ask for a payment reduction, and what options were available to me. The representative explained that my only other option was an interest only option. This I find completely ridiculous considering that I pay {$1100.00} across four private loans and it all goes into interest only as it is. I can not make a dent into principal amount. I tell the representative that interest only payment was absurd as it is, and I requested their rate reduction program. The representative explained to me that the option I requested was through their collections department, and that she 'd forward my call to said department. I wait on hold for a couple of minutes until someone in collections picks up my line. The representative here proceeds to ask for my name and what was I calling for. I explained that I wanted to apply for the rate reduction for two of the private loans. He asks for the loan I.D 's, I provide, and he then tells me to wait a moment. I wait only to find out that the representative had hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: AMERICAN EXPRESS COMPANY
State: GU
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I already tried last week to open and account at American Express and within a second the person assisted me told me ( declined ) again. <P/>I respectfully, ask the CFPB to release the disclosure financial balance on my account information that, I have on file with the CFPB. I have legal right to receive the disclosure financial statement, the balance on my own record with CFPB. I feel, I have been discriminated for any reason what so ever. I also have legal right to received my personal Disclosure financial record. I also request the American Express to transfer my money or my wife money in to my account or her account. I have legal right to receive my disclosure file with CFPB and American Express Bank. I have rights under FCRA and fraud alert as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter in the mail from XXXX XXXX XXXX XXXX. 
It says I owe {$910.00} It says the creditor is Paypal. 
It gave some long weird acct number This is definitely false. 
The address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number is XXXX

Company response to consumer: Closed with non-monetary relief