BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-03
Company: EQUIFAX, INC.
State: ME
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:
Hi, for the past 6 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter and to add on that they are at fault when it comes to reporting these matters. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
1.Account Name : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : XXXX 2. Account Name : XXXX XXXX XXXX XXXX   Account Number : XXXX Date : XX/XX/XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fraudulent account. Opened without my knowledge, consent or authority. Company agreed to delete it from my report due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: JPMORGAN CHASE & CO.
State: OH
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:
I went online to XXXX to submit an early bird check-in, and was not aware this was a non-refundable charge. I selected this early bird check-in a total of 9 times, and was charged {$20.00} XXXX - {$25.00} for each, on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I contacted SouthWest to request a refund once I saw these charges, and was advised it was nonrefundable. 

I am requesting the charges for my early bird cancellations be reimbursed in the amount of {$250.00} to my account, as I feel the nonrefundable disclosure is deceptive and hidden. I have never been charged for changing my flights, or any other changes or cancellation and feel this is a unfair practice. 

If these charges are nonrefundable the disclosure should be visible on the the first page and in bold print, so there is no confusion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10
Company: Allied Collection Services, Inc. (Nevada)
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: Account status incorrect

Complaint:
Account was placed with collection agency XXXX XXXX XXXX ( XXXX ) XXXX ) for {$750.00} by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. This account was settled and paid in full directly to XXXX. XXXX XXXX merged/was sold to Allied Collection Services ( XXXX ) XXXX ) and Allied Collection Services now shows the erroneous/paid off debt while XXXX is reporting the same, duplicated account. Phoned XXXX ( which is now Allied Collection ). They stated they were aware of the duplication of accounts reported and they are working to correct. I asked them to remove their accounts as they were duplicates and because I have settled/paid in full direct with creditor.

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 2018-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I contacted Capital one card services on XX/XX/18 and they offered me a program that would lower my interest to 7.4 % and a monthly payment of {$160.00} to lower my balance of {$8100.00} to XXXX in XXXX years. I told them that I would have to think over terms and call back. The rep. XXXX said that I would have to reanswer some questions when I call back to be approved for the program if I decided to enroll. I call back some hours later and spoke to a number of representatives including an account escalation mgr. who said that I could not enroll in the program even though I was offered it earlier. 

I was frustrated already because I have called Capital one for several months explaining my financial hardship, and asking for different payment options or to change my due date to align with my pay to ensure that I don't fall further delinquent and assess more fees. Every time they would say there was no other options available which puzzled me because I have had the same circumstances but they were able to offer me on XX/XX/18 a special program to lower my balance. 

I think they are eluding consumers and doing a bait and switch tactic which is very cruel, inhumane and psychologically damaging to especially someone who is experiencing a financial hardship. 

I've had the card for seven years and had many credit line increases and paid on time, now the minute I'm experiencing difficulty they behave in such an unethical manner. It is unfair and discriminatory. 

I decided to close the card and requesting that they refund fees and interest on my card. I plan on paying it off sooner than later

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these inquiries belong to me I will 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.

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 2018-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In the past two years XXXX XXXX XXXX is being reporting inaccurate information to the three major bureau on my behalf. l have sent them 4 different letters requesting to verify the that this information is mine, and, that it is accurate. in violation of a federal law all four occasions they have failed to provide me with a copy of the original contract with my signature on it. All l get is a response back in the mail, stating that they do not understand the reason of my despute. The case is for the three major Credit bureau, Trans union, XXXX  and XXXX, none of them can seem to follow the law and at least provide with a copy of the original contract with my signature on it,

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 2019-04-03
Company: Experian Information Solutions Inc.
State: UT
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 a XXXX XXXX XXXX ending in XXXX They restricted this card so I couldn't use it almost 3 years ago. I have requested they close it multiple times because they keep charging me a fee every year ... yet they don't let me use it. 

They recently charged a fee and my account is late now for a fee THEY charged on a card I cant use and that I thought was closed the LAST TIME i had the pay the fee. 

I contacted my attorney and he said they are in violation of the Fair Debt Collection Practices Act and the FCRA. 
I called them yet again about my account and they claim they will not fix it. 
-- HOW CAN IT BE LEGAL FOR THEM TO FORCE ME TO PAY THEIR FEE ON A CARD I HAVE REQUESTED TO CLOSE AND THEY WONT LET ME USE??? 
THIS IS AGAINST THE LAW AND I DEMAND THEY REMOVE ALL THE FEES FROM MY ACCOUNT AND THE LATES FROM MY CREDIT AND CLOSE THIS ACCOUNT!!!!!! 

I need this fixed as this is affecting my financing specifically and that is another violation which I am prepared to take legal action.The late on my credit needs to be removed today.

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 2021-04-10
Company: Self Financial 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:
I contacted Self Lender to try to close my account due to identify theft preventing me from accessing my account. I filed a report with the FTC and submitted it to Self Lender. They still continue to report me delinquent harming my credit on a monthly basis

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Professional Recovery Management
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started monitoring my credit using XXXX in XX/XX/XXXX. Upon checking my credit report, XXXX and XXXX   credit bureaus listed XXXX XXXX XXXX as collections. I have never had any dealing with this company. I did not sign any contracts with this company. I requested on several occasions that they validate the account in which they are attempting to collect the debt by certified mail. My last attempt was on XX/XX/XXXX. I also made several attempts writing to XXXX and XXXX by certified mail that this is not my debt. Both credit bureaus reported back validated. This is impossible because XXXX XXXX XXXX could not supply them with any validations. This company states that I owe them {$470.00} and they are demanding that I pay this amount. They are insisting that this is my debt. However, it is not. They refuse to remove this information from my credit report, as it is wrong. This is proven to be injurious to my credit standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have 16 inquiries on my credit report that I have no knowledge nor gave my consent to pull my credit Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm in the middle of refinancing the Mortgage. The new lender looked up the title on the home and said that there's a property tax payment due in the next few weeks on the Title and they want to see a proof of payment.

The current mortgage company ( Nationstar Mortgage LLC, d/b/a Mr. Cooper ) claims that they can not make an early payment and they plan on making the tax payment two weeks prior to the due date, which could fall under the 30-day rate lock period.

I've requested them to at least confirm in writing that they can't make an early payment but they refused to do so over the phone and asked me to send an email to their Research team. But I have limited time before which the rate lock expires and they are refusing to issue me a quick letter confirming their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these inquiries belong to me I will 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: PA
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:
My information was compromised.

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 2019-04-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE DISPUTED THE CREDIT BUREAUS ON SEVERAL OCCASIONS ABOUT THE INACCURATE REPORTING ON MY CREDIT REPORT. I HAVE to ASK THEM TO REMOVE PERSONAL ADDRESS AND ACCOUNTS THAT WERE CLOSED SHOWING A BALANCE WITH HIGH USAGE AND THE ACCOUNT IS CLOSED. XXXX XXXX XXXX SHOWING USAGE XXXX PERCENT ON A CLOSED. I HAVE REACH OUT TO THEM IN XXXX. I HAVE NOT GOTTEN THE RESOLVE THANKS

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 2019-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE DISPUTED THE CREDIT BUREAUS ON SEVERAL OCCASIONS ABOUT THE INACCURATE REPORTING ON MY CREDIT REPORT. I HAVE to ASK THEM TO REMOVE PERSONAL ADDRESS AND ACCOUNTS THAT WERE CLOSED SHOWING A BALANCE WITH HIGH USAGE AND THE ACCOUNT IS CLOSED. XXXX XXXX BANK SHOWING USAGE XXXX PERCENT ON A CLOSED. I HAVE REACH OUT TO THEM IN XXXX. I HAVE NOT GOTTEN THE RESOLVE THANKS

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 2018-03-23
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Freedom Mortgage company. In the course of less than 6 months, Freedom Mortgage company has repeatedly mismanaged my escrow account which has lead to 1 ) a shortage in my escrow account to cover home property taxes 2 ) an inaccurate escrow evaluation on XX/XX/XXXX in spite of accurate state tax information that is available online and that I also provided via fax on XX/XX/XXXX, and 3 ) refusal to correct the inaccurate escrow evaluation in a timely manner and communicate changes to me. 
I have made multiple phone calls to Customer Service both before and after requesting an escrow evaluation be completed on XX/XX/XXXX. During that call, I was told I had to provide my property tax information, which I did on XX/XX/XXXX and received an email stating that it may take up to 30 days to address my questions. No correspondence was received within that timeframe. I called Customer Service again on XX/XX/XXXX and requested an escalation of my request. I was told that I would receive an updated escrow analysis by early XX/XX/XXXX, which would be in effect for the XX/XX/XXXX payment. On XX/XX/XXXX, I logged into my account online to pay the mortgage due by XX/XX/XXXX and found an amount due that was greater than the amount on my XX/XX/XXXX statement. I made a call to Customer Service, who told me that there was an escrow analysis completed on XX/XX/XXXX and that the payment would be in effect for XX/XX/XXXX. I pointed out to her that this was in direct conflict with what I was told when I called on XX/XX/XXXX, and that no updated document was posted online nor mailed to me. 
This company has failed repeatedly to handle my escrow account appropriately or communicate changes. Their incompetence has caused me to spend multiple hours on the phone with Customer Service while my escrow account continues to be under-funded and mismanaged. How can I as a consumer request a change to my mortgage lender? I would never, ever, choose this company for any service.

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 2019-04-03
Company: Ability Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ABILITY RECOVERY SERVI XXXX I asked them to validate the debt. They told me they can not, they do not have my signature, and there is no contractual agreement for me to pay. And they want to get paid.

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 2019-04-03
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX XXXX XXXX XXXX filed a petition ( law suit ) in the XXXX XXXX Texas county court, claiming I owed a debt to " Citibank ''. I was made aware of the suit by a mailed advertisement from an attorney. 

XX/XX/XXXX I filed an answer with the court, explaining that the debt wasn't mine. 

XX/XX/XXXX A " convenient '' 30+ days after the original complaint was filed, I was served the complaint. 

XX/XX/XXXX XXXX XXXX XXXX filed a Motion for Default Judgement, on the false grounds that I did not answer the petition. 

XXXX XXXX XXXX is running an obvious 3-step scam : 1. quietly file a lawsuit, 2. wait 30+ days to serve defendant 3. file for default judgement because defendant has not answered within 30 days.

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 2020-08-27
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had been in the process of refinancing my current mortgage. 
After receiving a loan approval notification, I was told closing should be within the month. 

Due to continued mishandling of documents and delays by the loan officer/processor the date kept getting pushed back. I was unable to contact the loan officer/processor for several weeks, neither by email nor phone with a response. 

I decided to escalate the issue with the main office and they assured me the loan officer would reach out to me, after another week of no response, I called to escalate the issue again. After speaking with another representative, they assured me that they had escalated the issue internally. 

That very evening I received an after-hours email from the loan officer I had been trying to contact for several weeks, telling me my refinance approval was now declined. 

Given the fact that I was repeatedly told closing on the loan would be " next week.. '', never having a red flag during the underwriting process and the swiftness of the response after I escalated the issue makes me believe this cancellation was retaliatory due to my complaints.

Company response to consumer: Closed with explanation