BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
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: Old information reappears or never goes away

Complaint:
I am a natural person, I am a living being. I have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681, and they are NOT the original creditor of XXXX XXXX, this can not be so. XXXX XXXX has violated my rights numerous times by alleging that a debt of {$1400.00} USD is owed that has already been disputed and deleted from my credit report, this can not be so. 

XXXX has fraudulently double backed and reported a debt that has already been DISPUTED and DELETED from my credit report before, and it is now reappearing after such actions, this can not be so! 

I have not supplied proof under doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

I am hereby demanding that this derrogatory/invalid account be REMOVED from my credit report. According to 15 USC 1681 : I have the right to privacy and I did not give XXXX the right to furnish this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone impersonated a Truist bank employee to get our information out of us. They sent us passcode notifications to " verify '' who we were. They even had the Truist bank music playing in the background. She identified herself as XXXX XXXX from XXXX XXXX. Her number was XXXX XXXX supposedly. Over XXXX was taken and spent on transactions that we did not authorize. There was a name of XXXX XXXX that was used to send XXXX payments. ( unauthorized ) All transactions started on our card in XXXX florida. She also made online bank accounts on my husband and I. She was very convincing that she was from the bank. Maybe she had someone helping her or she worked for them before. Calls took place on the weekend when no one is available to help at the bank. dates were XXXX XX/XX/23. Monday morning came and she was still calling to get info out of us. I went to our local branch, and the bankers called her from my cell phone. The lady from XXXX XXXX told them that they were fraud. Truist is refunding our money but wanted to report this so it doesn't happen to someone else.

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 2023-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
There are several credit card companies reporting false information to my credit report. As a result of this false and inaccurate information I am having adverse affects. This information being reporting inaccurately is causing my quality of life to be one of dispaear. I am demanding that the following credit card companies immediately remove all of these inaccuracies from my consumer report. 

Capital One XXXX Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: PLANET HOME LENDING, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My neighbors sued me starting in XXXX for a prescriptive easement over my property ( moving historical easement location ) and they added myself as a defendant and they added Planet Home lending as a defendant. I contacted Planet home lending and they said they were ignoring the requests for information and other court paperwork because the easement issue had nothign to do with them and they were not going to be involved. A few days before court in XX/XX/XXXX, I notice a 2 page submission from Planet home lending to the courts saying they have nothing to do with the case and have no judgement in any ruling with the easement as it does not affect their lein on the property. I was not notfied they were submitting this letter nor did I have any involvement in the 2 page submission. They already previously told me they would not help me and would not be getting involved.

I just received my monthly mortgage statement and Planet Home Lending has added a {$750.00} charge on XXXX XX/XX/XXXX for Litigation Attorney Fees. They never litigated for me at all and when I contacted them today, they said they are recovering legal funds spent on my behalf. They were separate defendants on the case and were being sued by the plaintiff. 

They said I have to pay it but I never asked for them to write any documents because they choose not to be involved. And not to mention, I received no statement of services for legal nor a separate billing, just my regular monthly mortgage statement. 

Can you assist in determining if this is legal for them to charge me legal fees for something I have no control over as they were sued by someone else?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: AMERICAN EXPRESS COMPANY
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:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got XXXX XXXX XXXX, and unfortunately I had to enter an emergency due to my level of pain, they treated me as it should have been, but the XXXX was postponed, after that I only received a XXXX instead of XXXX XXXX XXXX. They left me for observation for XXXX days despite the fact that my state of health was controlled and the surgeon did not show up to explain the current situation or why they left me an extra day. This whole situation arose when I did not have health insurance. My medical expenses insurance was discharged XXXX week after my XXXX, I received an account statement of XXXX XXXX dollars and no one approached me to review payment options, I have tried many times to dial them, and I even went to look for financing but without any response, this week I realized that they sent my balance to collection even though no one answered me and that they have not been able to call me back to fix or solve the situation, I want to see if there is any way to find a foundation that Help me pay my current debt or, failing that, look for the option for the hospital to give me a discount on the services applied, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
PDF file will be attached due to inaccuracies i am disputing a resolution to be made following laws and correct procedures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Experian is reporting an account name XXXX XXXX that I never opened, i have already mailed in the police report and have not heard anything back its been over XXXX  days. Experian is also reporting a account name XXXXl XXXX with a balance of {$460.00} that was not authorized by me and I have also mailed the police report in to them XXXX  days ago.

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 2023-07-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have fallen behind in payments due to a loss of job and health issues. I contacted my mortgage company for assistance and was told that a modification would not work for me because I have a lower interest and modifying would only give me a higher mortgage payment. At this point I called Hud to apply for an attorney to get legal help yo file bankruptcy. During the call with the HUD counselor he advised that my mortgage company had other options to provide me with and that they can assist in other ways so that my monthly payment doesnt have to increase. The counselor calls XXXX with me on the phone and now this representative is saying something totally different. I was told to get a modification In as soon as possible. I sent the modification In and never heard back from anyone. I finally called XXXX weeks later for the status and was told I needed XXXX documents. I sent them in that day agai. XXXX weeks went by and I called to check the status and was told they closed my case because I failed to send in documents, but I have the emails and the date they were sent. So now the reason changes and they said we got them but one didnt have a signature. When I asked why I didnt get a call or letter I was told they called and couldnt leave a message due to my voicemail being full. That was a complete lie, I asked what a letter and they said they sent a letter out on the XXXX of XXXX letting me know my case was closed. They had XXXX weeks to contact me by phone or mail and their excuse was I should of followed up with them. I need to have things in writing when it comes to dealing with this company. Every representative within this company has given conflicting information to me, their is no consistency. They talk down to you they are rude and lack compassion. I literally get anxiety when I have to call. Well needless to say Im told my case is closed and I have a to start a whole new modification. This company puts on a great act but do nothing to help or reach out to you. They told my HuD counselor they would email him with info on who my investor was that never came. They still havent told me if my loan was FHA or not, I asked for info as to why my mortgage was increasing XXXX rep said it was my escrow another rep said it was my variable interest but I have yet to receive accurate answers. I have been told by the last rep that the company was selling XXXX as of XX/XX/XXXX, and that we would receive a letter, but during the last conversation with the manager advising me of the closed modification she stated that she knew nothing about XXXX selling the company and said her emails are full so its probably in there and she hasnt read it yet.. Her name was XXXX and I have this phone call recorded. This company is playing games with lives, lying, being unprofessional, pretending to help and lying about documents they received just to stop you from getting a modification and force you into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received notification from the credit bureaus about a collection that was reported by XXXX XXXX XXXX XXXX on XX/XX/XXXX with a status of seriously past due/ assigned to attorney, collection agency, or credit grantor and internal collection agency for a debt of {$440.00} and a balance updated in XX/XX/XXXX. No other contact is provided on the credit bureaus except for a Comenity Bank XXXX. 

I had a few accounts that were opened fraudulently in the past. I was a victim of Identity theft and provided an official statement about the crime with the FTC report # XXXX. A total of 10 accounts opened from XX/XX/XXXX with Comenity Bank. These accounts were opened fraudulently to obtain goods. I have mailed a dispute letter to the company today XX/XX/XXXX to the address on the credit bureaus XXXX XXXX  XXXX XXXX PA XXXX, the XXXX, FTC & Massachusetts AG office XXXX Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX PREMIER XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$200.00} 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-19
Company: JPMORGAN CHASE & CO.
State: MI
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:
In accordance with he Fair Credit Reporting Act, XXXX XXXX XXXX JPMCB ( Chase ), Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602, A. States I have rights to privacy.

15 U.S.C 1681 Section 604 Section 2 : Its also states a consumer reporting agency can not furnish a account without my WRITTEN instructions 15 U.S.C 1666B : A creator may not treat a payment on a credit account under a open end consumer credit plan as LATE FOR ANY REASON.

Company was contacted with no fixed errors made, and declining request of fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 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 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 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 2023-09-02
Company: FIRST PORTFOLIO SERVICING INC
State: DC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On Tuesday, XX/XX/XXXX  I called XXXX XXXX and made a final payment of {$510.00} and I requested a paid in full letter. On Saturday, XX/XX/XXXX  I received a letter from XXXX XXXX that {$65.00} was charged off, I called XXXX XXXX inquiring about the framing of the letter and it appearing as if only {$65.00} was paid to them on XX/XX/, XXXX XXXX stated that I would have to call back after the Holiday as on one was in the office and they say they can not find any record of my payment top them although XXXX of XXXX XXXX, California confirmed he could see the payment on his end and I had been provided a confirmation number of XXXX and an email ID of XXXX : XXXX, they say they can not find the record and makes it appear as if {$510.00} was not paid to the. The company seems to be conducting fraudulent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: BlueChip Financial
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a couple of payday loans with Spotloan due to being in a pinch, I intended to pay them off but I was in several positions where I was terminated from my employment leading to being evicted and losing my car. 

I explained to them SEVERAL TIMES that I can not even pay XXXX XXXXXXXX dollars and that I am FLAT broke. I complained to the XXXX and ALL THEY could do was payments of {$85.00}. I simply TOLD ALL of them I CAN NOT PAY. 

They say that can not forgive the debt, however I have had other companies forgive my debts due to my situation and asked no questions. 

I have already provided them with documentation of hardship. 

Thank you for your attention and understanding towards this matter. 

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 2023-04-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently disputed unauthorized credit inquiries made by unrecognized creditors on my Equifax credit report. Equifax returned a result of that dispute, without any research whatsoever. The results were that the inquiries remained. Please see attached report. 

I was unable to exercise my right to make a dispute of the inquiries at all, with XXXX and XXXX, by phone nor online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions 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:
I have Multiple fraudulent accounts appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Sequium Asset Solutions, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed a few months ago that there was a account on my report that is not mines, reached out to XXXX XXXX XXXX  about said account even told them the name is not my name but for whatever reason they refused to remove account now it is with a collection agency so I'm disputing this.

Company response to consumer: Closed with explanation