BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: Quality Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved in XXXX XXXX XXXX XXXX on XX/XX/16. There were repairs that needed to be completed on the apartment. While staying in the apartment with my young daughter and husband we experienced many unresolved issues. Cold nights no heater. Then hot on hot days no a/c, also water damage. The above apartment bathroom water would drain all down my bathroom walls. I continued to complain and speak the the office manager at that time XXXX XXXX. Once she came to my apartment and saw all damages she advised it would be fixed however that was not done. I told her I would be moving out due to the conditions she told me to provide a letter and that this would not go on/impact my credit. No one never reached out to me. I saw a debt collector on my credit report when called to find out what was going on I was shocked that it was for XXXXXXXX XXXX XXXX. The representative advised I do not owe rent but I owe a fee for not giving enough notice that I was moving out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
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: Problem with personal statement of dispute

Complaint:
Hello, Ive attempted numerous times to have the credit agencies remove this account as information listed by the creditor is not only incorrect but it has affected me mentally and financially. Im not sure why Ive ever shown late, charge off etc but I want this account removed from all 3 credit agencies as requested numerous times. I have a right to have fair and accurate data listed according to FCRA

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 2023-04-04
Company: EQUIFAX, INC.
State: LA
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:
See attached document 15 USC 1681 S-2 You are a furnisher of information to the reporting to the credit bureau agencies . A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: Experian Information Solutions Inc.
State: IL
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND 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 non-monetary relief
Consumer complaint received 2017-06-25
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have contacted Fox Collection agency numerous times and they will remove the debt and the very next day put the debt back on my credit report. This debt was discharged due to bankruptcy before it ever went to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Amsher Collection Services, 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:
AMSHER COLLECTION SERVICES INC Is currently reporting a collection account for   XXXX   on my credit report. However, AMSHER COLLECTION SERVICES INC is not licensed to collect in the state of Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In response to CFPB complaint : XXXX In reference to the complaint request regarding a legitimate investigation provided by your company ; I am requesting, by law, to provide me with the investigation that your company did. I am requesting any contacts and ways that were in this investigation. After carefully reviewing your response, you have failed to prove that this fraudulent application is me. You or your company stated that, my signature doesnt match. If you investigated that my signature does not match your record you have no right to continue to collect on this collection. At this moment, I will be contacting the company with the response you have provided to me in your CFPB response. You have requested that I provide my drives license to your company, knowing that my identity was compromised. Yet you ask me to fax a copy of my drives license to your company. At this moment I am requesting any documents or any form of logs used to verify this application to be mailed to me or emailed to me. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: JPMORGAN CHASE & CO.
State: FL
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:
Chase Bank has reported inquiries in my credit report ; but I have not applied for a credit card with them recently. A few years ago, they suddenly closed my Southwest Card ( for no given reason ), so I do not see a circumstance that I'd be willing to open a Chase credit card again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Experian Information Solutions 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 status incorrect

Complaint:
On XX/XX/2021 approximately XXXXXX/XX/XXXX EST. I transferred money from my XXXX express checking account to my XXXX mortgage account. A week or XXXX later my XXXX payment was reported to my credit as 30 days past due. I called XXXX bank who verified my payment was transferred on XX/XX/XXXX from my XXXX express checking to my XXXX mortgage via the XXXX online banking. However they stated since it was after XXXXXX/XX/XXXX EST it would not be reported as being transferred on the XXXX because the banks were closed it would be reported the next business day which was XX/XX/XXXX. XXXX will not reverse the 30 day late with the credit reporting agency even though they confirmed the electronic payment from my XXXX express to my XXXX mortgage was made and received on XX/XX/XXXX. The fact that XXXX clearly received funds prior to the 30 days and has record of it, but is unwilling to do the right thing and reverse the 30 day late is preventing us from getting refinanced. In addition to this, it shows on XXXX rules and regulations that internet banking cutoff time is XXXX : XX/XX/XXXX. I made the payment via electronic transfer from my XXXX account to my XXXX mortgage prior to 30 days. All I'm asking is for XXXX to do the right thing by supporting their customer and reverse the 30 days late for XX/XX/2021, so we can get refinancing. What happened to making my day a XXXX better? 
Please help me by doing the right thing. its clear the payment was made prior to 30 days. 
Sincerely 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 2020-03-01
Company: Experian Information Solutions Inc.
State: NC
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 have disputed this item on my reports since 2018, I have disputed the fact that I paid this card off and it was closed but not at my request. XXXX  XXXX is falsely stating on my credit reports that I requested to close the account and that there's a balance still owed so the debt will remain there to severely damage my credit ratings.

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 2020-03-01
Company: EQUIFAX, INC.
State: NC
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 have disputed this item on my reports since 2018, I have disputed the fact that I paid this card off and it was closed but not at my request. XXXX XXXX is falsely stating on my credit reports that I requested to close the account and that there's a balance still owed so the debt will remain there to severely damage my credit ratings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is a Parent Plus Loan from XXXX XXXX ( now Navient ) of {$14000.00} in 2009 I received while my daughter attended the XXXX XXXX XXXX XXXX - XXXX XXXX. I started making payments on this loan as soon as it was established and I believe my payments were not allocated properly as this loan should have been paid in full by now. The monthly payment amount would continually change but I always paid more than the required amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Experian Information Solutions 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 status incorrect

Complaint:
This complement is for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX My loan : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Hi, My name is XXXX XXXX, XXXX gave me a 5 % reduction to pay off my mortgage and they report to the creditors than I owe XXXX {$5000.00} back in 2014 XXXX. Loan # XXXX property address is XXXX XXXX XXXX XXXX, XXXX fl XXXX. <P/>XXXX report my mortgage pay off as a short sale when they gave me a reduction to pay off my mortgage. And they reported the Recording with XXXX  county wrong. Which they are re-recording that 's what they told me and will take 2 to 3 months. Spoke XXXX refused to fix my credit with Experian. When I speak to them XXXX representative they tell me they did not reported as short sale. I am not getting my issue solved by my self.

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 2021-05-16
Company: AmeriHome Mortgage Company, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I mailed a check in the amount of {$2600.00} on XX/XX/2021. {$610.00} was the regular payment with {$2000.00} going toward the principal. It cleared my bank on XX/XX/2021, but was never applied to my account. I have phoned the company 4 times, e-mailed twice ( with a copy of the cancelled check ), and mailed a letter ( with a copy of the cancelled check enclosed ). The last call I made I talked to XXXX. I asked to speak to a supervisor or anyone who could actually do something to correct the problem. He said no supervisor was available and even if there was one they would tell me the same. The company has all the aforementioned documents, but the amount has not been applied to my account. The phone call before that was to a XXXX who said it would be expedited and applied to my account no later than XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Southwest Credit Systems, L.P.
State: AL
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 checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On or around early 2017 I became a victim of Identity Theft that resulted in an arrest of a suspect who was detained under my name on or around XX/XX/2017 which still continued once he was released on bond ( see attached court documents ). After receiving a copy of my credit reports I have noticed numerous names, addresses, phone numbers, employment, inquiries, accounts not affiliated with me. Finally was giving a disposition of the cases once it was closed so I can dispute this matter with all the bureaus and any other agencies that protects Identity Fraud.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: FL
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 Reporting act XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2017-06-10
Company: RoundPoint Mortgage Servicing LLC
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 status incorrect

Complaint:
This complement is for :  RoundPoint Mortgage   Servicing   XXXX   XXXX   XXXX   XXXX , NC  XXXX  My loan :  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX  Hi, My name is  XXXX   XXXX , RoundPooint gave me a   XXXX   % reduction to pay off my mortgage and they report to the creditors than I owe Roundport {$5000.00} back in       2014   XXXX  .   Loan #  XXXX  property address is    XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  .   <P/> Roundpoint report my mortgage pay off as a short sale when they gave me a reduction to pay off my mortgage. And they reported the  Recording with  XXXX  county w rong. Which they are re-recording that 's what they told me and will ta ke 2 to 3 mo nths. Spoke  XXXX  refused to fix my credit with  XXXX . When I speak to them Roundpoint representative they tell me they did not reported as short sale.   I am not getting my issue solved by my self.

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 2017-06-10
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase bank is constant slow showing accurate account information and this has resulted in check fe es. Plus they have  an option to not allow debits if the money is not there and if the company represents itself as reoccurring they take it resulting in negative balance and will not block the transaction no matter what.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: CITYWIDE HOME LOANS A UTAH CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I filed a complaint against and individual who has been trying to sway me to use his lender/mortgage company to close on a house. I refused to use his service because this individual is acting as the construction company owner for the home and as a mortgage lender as well. He has been pressuring me to close on a home today XX/XX/XXXX. I was ready to close on my behalf but he stalled documents and is refusing to take ownership on the delay of the closing date. He was not ready to close today XX/XX/XXXX. He keeps harassing me to use his mortgage company that do not want to use for personal preference. It is my right. I am well within my rights to use a lender of my choice. He has a conflict of interest in this matter and I have documents supporting everything. I just want to close on my home the way the deal went. He does not want to help with any problems along the road such as property value adjustment, Rate lock charge I have acquired because of this delay and he says he will not help me unless I use his preferred lender. I just want to close on my home. 


The individual acting on this matter is XXXX XXXX Mortgage Banker XXXX # XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To Capital One Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report is reporting inaccurate and different information between credit agencies. XXXX  reporting high credit as XXXX, XXXX is reporting high credit as XXXX, and XXXX is reporting high credit as XXXX, which inaccurate reporting, delete this account. In addition, XXXX is reporting last payment as XX/XX/XXXX, XXXX reporting last payment as XX/XX/XXXX, and XXXX reporting last payment as XX/XX/XXXX, which inaccurate reporting, delete this account. Also, the 2-year payment history is reporting different information from XX/XX/XXXX to XX/XX/XXXX, which makes this account inaccurate, delete this account per violation. For your records and my proof, I enclosed a snapshot of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I received a Company 's Response in regard an existing problem with a 30 day late reporting to all Credit Bureau ( Experian ). 

Company response states I made severals payment to my account and they were returned due to an stop payment from my Bank end. After realizing my account balance was too high since all payment were returned and there was an Stop Payment I decided to work with a Consolidator. Company states my account was under " Working with Consolidator '' status but also stated they don't work with consolidators. So, why was my account under " Working with consolidator '' status? It only make sense to keep account as current till a payment is made NOT putting it under certain status and stop me from making payments to it. 

Company states it was my responsibility to make a payment before XXXX the XXXX, even tho my account was taken under " Working with XXXX XXXX '' on XX/XX/XXXX. How am I gon na be able to know my account was accepting payments on XXXX the XXXX? Company also FAILED to mention I tried to make a payment over the phone on XX/XX/XXXX when I called costumer service and was advised of such rejection to work with consolidator. I asked the representative to take the minimum due payment of {$120.00} and she told me she couldn't take it until the account were taken under such status. 

My intentions were pretty clear, Please accept my payment or wait until I'm able to notarized the letter so you can accept payments. XXXX XXXX FAILED again to do so by not getting back to me that same day the account was back to normal and as result a 30 days past due was added to my credit report. 

I kindly ask the company to correct the error or I'll be looking legal advice as I'm working with Attorney General XXXX XXXX from the State of California Department and Justice. 

Previous Company Response Attached.

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