BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: EQUIFAX, INC.
State: DC
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:
XXXX XXXX is reporting a debt that was received from XXXX XXXX of {$190.00}. I have notified XXXX XXXX, but it still shows on XXXX  and Equifax as closed, but with a balance of {$190.00} owing. XXXX is used as a conduit for payment instead of exposing my bank account or credit card to prevent fraud. I had one account with XXXX XXXX and paid it completely on XX/XX/XXXX, leaving an overpayment of {$3.00}. On XXXX XXXX, XXXX stated the balance on the account was {$0.00}, the {$3.00} disappeared from the records. 
I never used XXXX for extended charges afterwards, or small charges, which XXXX XXXX stated occurred on XX/XX/XXXX - {$7.00}, {$1.00} ; XX/XX/XXXX - {$7.00} ; XX/XX/XXXX - {$6.00}, {$5.00} ; XX/XX/XXXX - {$9.00} The charges totalled {$37.00}. On XX/XX/XXXX - {$29.00} was added to the total, XX/XX/XXXX - {$66.00} + {$40.00}, XXXX XXXX {$38.00} + {$2.00}, and XX/XX/XXXX - {$38.00} + {$3.00}. While XXXX XXXX shared this information with me, XXXX, nor Equifax bothered to investigate by confirming with XXXX. These charges would not have accrued on my XXXX account as they would have been taken directed from my bank account through XXXX. I am including records of XXXX transaction made during XXXX through mid XXXX. The charges are FRAUD. These charges are not shown on the records. I'm including my XXXX records for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: JPMORGAN CHASE & CO.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern : Chase has refused to give us the complete life of loan history despite our Requests for Information. We requested the life of loan history after we successfully completed our Chapter XXXX Bankruptcy in XX/XX/XXXX. In XX/XX/XXXX Chase sent us a mortgage statement showing we were past due on our payments by several months in the amount of {$6700.00}. We were not behind. Also, the statement showed we had an escrow balance of XXXX. Chase stopped taking our mortgage payments and caused us to go into default. Case Bank then reopened an old foreclosure action from XXXX, telling the court we were in arrears when we were not behind. They set up a Sheriff Sale to take our home. We complained and had an attorney help us stop the sale. We have asked for the complete Life of Loan history showing all payments and credits in real time for our loan and Chase has refused to give it to us. Instead they gave us a partial Life of Loan and then a summary of payments. We cant tell what they did with our account and we still want answers. We believe we have overpaid on our mortgage loan and we need to complete Life of Loan history to see what happened. We were having problems with Chase before we filed our Chapter XXXX Bankruptcy in XXXX of XXXX. We have made several requests for information and notices of error and we can not get the complete records. Chase has also refused to provide to us all our case notes despite our requests for information. They state that CFPB regulations prevent them from doing so. Chase told us that We are unable to send you servicing notes going back to when Chase began servicing the loan. On XX/XX/XXXX, new rules from the Consumer Financial Protection Bureau went into effect that requires us to provide this information from that date going forward. Chase has not told us what regulations prevent Chase from giving us all the Chart notes even though we asked them for this information in a subsequent request for information. We want the complete Life of Loan history and our complete Chart notes from Chase. We are concerned that they are hiding things and that they made a false statement about the CFPB rules that went into effect on XX/XX/XXXX. Please advise Chase to comply with our requests and let us know what your regulations allow and require Chase to do here. Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, 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 2019-12-31
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX insurance at the time I went to XXXX. I paid my {$10.00} deductible. No XXXX   work was done at all. The bill would have been turned over to my XXXX insurance carrier. That is the XXXX office job to get that done. I have sent numerous letters, copies of the bills. XXXX XXXX  has a history of doing this to people. Their is a trail of same thing over and over. Please see this gets removed from my credit report and a letter sent to me it has been cleared. Thanks.

RADIUS GLOBAL SOLUTIONS Last reported XX/XX/2019 {$190.00} Reported balance Original balance {$190.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/2019 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX CONTACT INFO RADIUS GLOBAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: CA
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION A SECTION 2 I ALSO STATE A CONSUMER REPORTIING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Integrated Asset Recovery LLC
State: DC
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:
Portfolio Recovery is reporting a debt that was received from XXXX XXXX  of {$190.00}. I have notified Portfolio Recovery, but it still shows on XXXX  and XXXX  as closed, but with a balance of {$190.00} owing. XXXX is used as a conduit for payment instead of exposing my bank account or credit card to prevent fraud. I had one account with XXXX XXXX and paid it completely on XX/XX/XXXX, leaving an overpayment of {$3.00}. On XXXX XXXX, XXXX stated the balance on the account was {$0.00}, the {$3.00} disappeared from the records. 
I never used XXXX for extended charges afterwards, or small charges, which Portfolio Recovery stated occurred on XX/XX/XXXX - {$7.00}, {$1.00} ; XX/XX/XXXX - {$7.00} ; XX/XX/XXXX - {$6.00}, {$5.00} ; XX/XX/XXXX - {$9.00} The charges totalled {$37.00}. On XX/XX/XXXX - {$29.00} was added to the total, XX/XX/XXXX - {$66.00} + {$40.00}, XXXX XXXX {$38.00} + {$2.00}, and XX/XX/XXXX - {$38.00} + {$3.00}. While XXXX XXXX shared this information with me, XXXX, nor XXXX bothered to investigate by confirming with XXXX. These charges would not have accrued on my XXXX account as they would have been taken directed from my bank account through XXXX. I am including records of XXXX transaction made during XXXX through mid XXXX. The charges are FRAUD. These charges are not shown on the records. I'm including my XXXX records for your review.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
home to XXXX of XXXX I was XXXX  and put in federal XXXX  at that time I had a checking and savings account with a balance on each I don't remember what it was with Bank of America during the next over two years the social security direct deposit in my account total of over XXXX my beginning and ending about my beginning balance and the interest when I got out of XXXX   in XXXX I should have had approximately {$40000.00} when I got out they notified me that I owe them {$510.00} I found a complaint with y'all about this and I'm not satisfied with your response they did not send me all of the itemized off of my account they didn't send me a year 's worth from XXXX until XXXX when they closed it but they didn't send me the last year automatic accounts of a fraud the bank fraud and forgery and other wire fraud mail fraud that took place in my account that they allowed during that time frame and they will not send me any canceled checks they knew that the checks were forged because my signature was not on the check somebody else for them they're six different individual names that I have now listed in a criminal investigation the FBI may be looking into it I don't know eventually it will probably be turned over to the FBI now if they don't have that information they knew from XXXX when I call them from XXXX federal XXXX  that something criminal was going on in my account and if they destroyed anything they destroyed evidence in a criminal investigation and at the same time they will not cooperate with me at all on keep giving me the run-around now I will put this in the media there are different media sources XXXX and some others that want to interview me about this and if they there may be hundreds of thousands of people withdrawing and closing your account with Bank of America

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 2022-01-23
Company: Atlanticus Services Corporation
State: TN
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:
in XXXX XXXXmy card was charged {$15.00} i reported it to Aspire, they sent me a new card now 2 months later i have been charged late fees and can't get through to the company it's up to {$66.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, I filed a request for Mortgage Assistance with Carrington Mortgage Services , LLC . Due to a failure in my marriage, impending divorce proceedings, split custody arrangements, and a large flux in the contracting market as I am an independent XXXX, I fell behind on my mortgage payments. Upon filing this application, I was two months behind and sent in all required documentation to request relief in the form of moving overdue payments to the end of the loan without penalty and without causing disruption to my credit report. I had not missed any payments prior to this and dating as far back as the original loan of XXXX. I utilized my accountant XXXX as my proxy ), who also works for the XXXX XXXX XXXX, to ensure all required documents and forms were submitted. Over the last 12 months, Carrington has continuously asked for submission of the same information, either expressing that they never received it or that what I had filed had " expired '', causing unnecessary delay in the relief process. Carrington has, more than twelve times, requested the same information that was submitted via my proxy over and over again, each time with facsimile confirmations that the information was received on their end. Carrington has gone as far as threatening foreclosure and as of XXXX XX/XX/XXXX, rejected my entire application and are saying that I have to restart the entire process all over again. Due to the ongoing circumstances that evolved over the last year, I am now 11 months behind, acting on the advice of Carrington that everything would be taken care of and now am at risk of losing my home, which is the source of my income as I am an independent XXXX and the home for my daughter and I, who I am the sole financial provider for. I am requesting that Carrington honor my original application, move all overdue payments to the end of my loan without penalties and fees, and remove any negative marks or remarks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I just found this company reported on my credit report. I also did n't receive any right to dispute, any validation or verification of debt from this company or any of the previous companies. Tried to find out about this debt from the original company, since finding it on my credit report a few days ago, who could give me no information on this debt except to inform me that it was owned by a different company last they were aware of it. This debt has been sold over and over and had been previously removed from my report due to not being validated as being mine ( I have had my ss # personal info used before by someone other than me, so any debt needs to be shown to actually be mine ) previously by a different company. Now it has shown up again be a company who bought it, I assume, who has had no contact with 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 2022-01-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My credit was pulled without permissible permission on XXXX by XXXX XXXX XXXX ( XXXX ). A forged application requesting permissible permission was then made one day later on XXXX and a car was fraudulently purchased in my name. XXXX sent the attached letter on XXXX. I considered XXXX as reputable and thought it was resolved 16 months ago. However XXXX sold the debt to XXXX XXXX XXXX who is now harassing me for payment. XXXX requested the CRAs delete XXXX reporting of the trade lines associated with this account but then found another way to report this trade line on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
yesterday i tried to take out {$340.00} at an atm with my chime card, it said there was an error so i assumed something was wrong with the atm cuz i had JUST put money onto my card and didnt see why there would be anything wrong on my end so i went to another atm and it said it couldnt be processed, thats when i realized it had to have been something that was wrong on my end so i opened the chime app and tried logging in, it wouldnt let me and i assumed its cuz i put my password in wrong but i noticed it said your account has been closed. i was confused because i didnt understand why the XXXX it was closed. i checked my emails and there was nothing so i was stressing the XXXX out cuz i had money in this account that i no longer have access to, i have things i have to pay, what the XXXX am i supposed to do? so i refresh my email for awhile and finally get an email saying we regret to inform you we have made the decision to end our relationship with you at this time. your account will be closed. i started freaking out because i tried getting ahold of customer service several times and i wasnt able to talk to an actual person, i emailed customer service several times and have not heard back. i did some research and i guess this happens to people a lot and a lot of people dont get their money back or have had tried months to get their money back and havent heard anything from anyone, im worried the same thing will happen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Experian Information Solutions Inc.
State: MD
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 noticed on my XXXX report that there are multiple inquiries that were not authorized by me. Here are the inquiries. 1 : XXXX XXXX on XX/XX/XXXX 2 : XXXX XXXX on XX/XX/XXXX 3 : XXXX on XX/XX/XXXX 4 : XXXX XXXX XX/XX/XXXX 5 : XXXX on XX/XX/XXXX 6 : XXXX on XX/XX/XXXX 7 : XXXX on XX/XX/XXXX 8 : XXXX on XX/XX/XXXX I think their is someone apply for things with my information and I would like these removed and an investigation be started if that 's possible.

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 2022-01-04
Company: Cawley & Bergmann, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am having trouble verifying this debt because it is about 7 years old. I have also been contacted by multiple different third party collection agencies which is making it hard to understand where the debt lies, and I also believe is prolonging the negative debt reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: FIRST PORTFOLIO SERVICING INC
State: VA
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:
THE FOLLOWING ARE ALL UNAUTHORIZED HARD INQUIRIES ON MY XXXX  REPORT. IVE DISPUTED THEM MULTIPLE TIMES BUT XXXX  REFUSES TO REMOVE THEM. XXXX  DOES NOT ALLOW YOU TO DISPUTE HARD INQUIRIES ONLINE, WHEN TRYING TO CALL XXXX, THERE IS NO WAY TO GET THROUGH.

XXXX
XXXX XXXX - non specific
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXXXXXX XXXX XXXX Credit Cards
Inquiry date:XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  Personal Loan Companies
Inquiry date:XX/XX/XXXXRemoval date: XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards
Inquiry date:XX/XX/XXXXRemoval date: XX/XX/XXXXXX/XX/XXXX - non specific
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX XXXX XXXX XXXX
Bank Credit Cards
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXXXXXX
All Banks - non specific
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX XXXX XXXX  Inquiry dateXX/XX/XXXX
Removal date:XX/XX/XXXX
XXXX  All Banks - non specific
Inquiry dateXX/XX/XXXXRemoval date: XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
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:
On XXXX XXXX, XXXX, I called Experian to file a dispute on my XXXX XXXX XXXX tradeline. The dispute was for the incorrect reporting of a 30 day late in XXXX XXXX and a 30 day late in XXXX XXXX. Experian stated that those dates were both reported as 30 day late payments from XXXX XXXX XXXX credit reporting department. On Monday XXXX XXXX, XXXX, I spoke to a representative in the President 's Office at XXXX XXXX XXXX and she confirmed with the credit reporting department that I was NOT 30 days late in the month of XXXX or XXXX XXXX, and that I was not late at all in the year XXXX. On XXXX XXXX, I submitted a written request to Experian Customer Support and someone named XXXX XXXX responded, I requested that a Manager from the Dispute Department to contact me and I have yet to receive a phone call or email from anyone at Experian. I received a letter from Experian dated XXXX XXXX, XXXX stating that " our reinvestigation of the dispute you recently submitted is now complete ''. How is the investigation complete and I just submitted to you on XXXX XXXX, XXXX?! I have called several times and XXXX XXXX XXXX is saying that it is Experian 's fault for ignoring the information that they are submitting to them with the monthly reporting information, and Experian is saying that it is XXXX XXXX XXXX 's fault because they are continuing to report my account as 30 days late for both XXXX and XXXX of XXXX. Experian is not contacting XXXX XXXX XXXX to obtain correct information from the actual Credit Reporting Department themselves, and XXXX is saying that the incorrect reporting is not their fault it 's Experian 's fault. This needs to be corrected and XXXX XXXX Credit Reporting department needs to send the correct payment history for XXXX to Experian, and Experian needs to report my information correctly. I have not been late on my account in over two and half years, and this situation is unfair and frustrating.

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