BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00}

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 2021-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A capital One 360 account was open and after months of reaching out, they accused my mother of opening an account in my name without my approval. My mother doesn't know nor does she have any of my information. Their support staff team are very rude and disorganized. It seemed to had been added to my credit as well. They claim money is due on the account. They do not call back after stating they would have a supervisor give me a call. I've tried calling everyday for three weeks straight and it is always some type of accuse as to why I have to wait for a callback. No one gives me any reason as to why I haven't received a callback.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Upon reviewing my credit report, I have discovered that numerous transactions have been inaccurately reported. Pursuant to Title 15 U.S.C 1681a ( 2 ) ( A ) ( i ), a report should exclude information solely related to transactions or experiences between the consumer and the reporting entity. Unfortunately, the inclusion of such transactions has resulted in significant financial hardship and has had adverse effects on both my mental and financial well-being. 
I would like to draw attention to Title 15 U.S.C 1681n, specifically addressing Civil Liability for willful noncompliance. According to subsection ( a ) ( A ), I am entitled to seek compensation for any actual damages sustained due to the failure to comply, or damages ranging from not less than {$100.00} to not more than {$1000.00}. 

Below is a list of accounts displaying inaccurate transaction reporting : XXXX. XXXX : XXXX past due or late transactions reported XXXX. XXXX : XXXX past due or late transactions reported XXXX XXXX XXXX : XXXX past due or late transactions reported XXXX. XXXX XXXX : XXXX past due or late transactions reported XXXX. XXXX : XXXX past due or late transactions reported XXXX. XXXX XXXX XXXX XXXX : XXXX past due or late transactions reported XXXX. XXXX XXXX XXXX : XXXX past due or late transactions reported XXXX. XXXX : XXXX past due or late transactions reported This inaccurate reporting not only jeopardizes my financial standing but also raises concerns about the compliance of these entities with the aforementioned legal provisions. I am prepared to pursue appropriate legal action to rectify this situation and seek the compensation entitled under the law.

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 2022-08-23
Company: EQUIFAX, INC.
State: MD
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:
Despite multiple written requests, the inaccurate accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$370.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXXXXXX : {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX : {$470.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX : {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Findings for the investigation for the complaint filed on XX/XX/XXXX and completed XX/XX/XXXX? XXXX ( Confirmation number : XXXX ) continues to be non-disclosed. This is a continuous and unfair practice I have dealt with for 2 years. When creditors and Equifax report EVERYTHING on my account that negatively impacts my score, there is not a link to click on for my viewing. Please assist. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2022 we received a letter from SPS explaining the process regarding our claim to CFPB and what they have done. The requirement that is addressed in this letter regarding that per investor guidelines they need the name of the XXXX Mortgage holder was not mentioned before until XX/XX/2022 in this letter and the dashboard. We have done everything required to complete the documentation for this case and we feel that they do not want to work with us to sell through a short sale process. Also, they assigned us a relationship manager, XXXX XXXX and we have not been able to reach this person the times we have called to SPS, once last week and once the week before. For this reason we have talked to other two representatives. One and a half week ago, after seeing that we had new comments on our dashboard regarding the XXXX mortgage, we called SPS with our Realtor and the representative explained to us what was needed. We uploaded the documents with the information required, hoping that everything was completed because as per the conversation, there was nothing else. But it was not like that. Some days passed and we continued to see comments in the dashboard. When we called last week on XX/XX/XXXX, we talked to another representative and he let us know that they were requiring us to include in the HUD-1 the name of the XXXX Mortgage holder in line 1108. This is really unacceptable, we are frustrated. Every time we call, there is a different comment that was not there before. As of today, we have been 108 days in this process since XX/XX/XXXX, it will be a total of four ( 4 ) months on XX/XX/2022. Even though they have not been clear during this process, they are giving us until this coming Wednesday XX/XX/2022 to submit all documents, after this date they will not evaluate our case, after almost 4 months in this process. Also, the process to make a decision will take another 30 days after all documents are complete. Today we checked the system and they have not given a response to the last document ( HUD-1 ) we uploaded on Thursday XX/XX/2022. We need help so SPS verify our documents on time before this due date they are giving us and let us know the documents are complete. We do not want to have a foreclosure, we need to continue the short sale process. 

Thank you XXXX XXXX and 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 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think the credit bureaus have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4400.00}

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 2022-12-07
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Barclays unfairly reduced credit limit and demanded payment 3 times the monthly payment for incorrect reasons ; " delinquent in the last 12 months and credit inquiries. '' When I try to reason with their representative, he refused to allow me to speak with someone in authority to rectify this matter. I explained to this person that their recurring payments tied to this account and the credit reduction would unfairly affect those accounts. I have made timely payments on this credit card account notwithstanding being on social security as a retiree.

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 2023-11-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2022-09-26
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH mortgage stated that I must have my " Borrower Acknowledgement '' form dated and signed in the presence of a notary. The following request was completed and returned to PHH mortgage prior to the deadline provided. I received another document from PHH mortgage dated on XX/XX/22 stating that the agreement received was missing a co-borrowers signature or the signature was illegible. This is a false statement as I have a " LEGIBLE '' copy of the original document signed on XX/XX/22 by " BOTH '' borrowers ... XXXX XXXX XXXX and XXXX XXXX. This document was completed in the presence of a notary. 

Please see the attached documents proving their reason for not finalizing my loan modification was false. 

I have had numerous complaints filed against this company and unfortunately their lack of professionalism and knowledge pertaining to my loan has not only affected my interest rate but my credit history as well. I hope the federal and/or state government holds the responsible for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted the information for my PSFL form 3 months ago but they are still not showing that they are tracking it for me. I have no idea if I am missing information and can not get a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Chase failed to close an account and is now attempting to collect a debt that primarily consists of late fees for an account that should be closed already. When I attempted to remedy the situation they gave me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX has been inaccurately reporting on my consumer credit profile since XXXX of XXXX. Ive reached out via email & certified mail multiple times to no avail. I also understand this is a direct violation of, but not limited to ; 15 USC 1681-furnishing a consumer report without consent, 15 USC 1681 [ A ] [ 2 ] [ B ] furnishing an account that was created from a credit card or similar device, 15 USC 1692J furnishing a deceptive form to make the consumer believe they owe a debt, 15 USC 1602 ( k ) drafting a contract or similar instrument in which the consumer can not adequately understand.

Im asking you to help remove this charge off immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit reporting agencies all 3 that i sent letters by certified mail to verify all my information on my reports. I ask them to verify All my information, they stated in a return letter that they did. But looking at my credit reports almost all the dates and amounts are different and dont match. I ask them remove an entry about an aprtment that was fraudulently put in my name using my personal information, I lived in my own home from XXXX to XXXX located at XXXX XXXX XXXX XXXX XXXX, TX. XXXX and a Company called XXXX at XXXX in XXXX XXXX, TX. allowed someone to get an apartment in my name, using my personal information. This is wrong!! 
The following information in my credit file is inaccurate still, after they said they verified it. 
XXXX at XXXX - XXXX - XXXX. XXXX - several accounts under my name. 
XXXXXXXX XXXX  Acct # XXXX - never had an account with these people, but somehow i owe them {$2900.00} XXXXXXXX XXXX XXXX - Acct XXXX XXXX Trying to collect {$4100.00} on a fraudulent apartment. 
XXXX. XXXX XXXX - Acct XXXX- Never had an account with these people! 
XXXX. XXXX XXXX - Paid them in full but they will not changen the info on my reports.

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 2018-08-22
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I received an email saying that my credit score had changed so I looked at my credit report and it showed a online bill pay alert ( unpaid ), an XXXX XXXX XXXX XXXX XXXX XXXX  company ( again unpaid ) and a XXXX XXXX XXXX company ( yet again unpaid ). I applied for a loan in XX/XX/XXXX through the a credit union and was told ( and received a letter to effect ) that I had absolutely no credit ... neither good nor bad. Now in the span of months I've got bad credit when I never  apply for anything. Ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: John C. Heath, Attorney at Law, PLLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
Hello. They are trying to charge me for 2 months of service that XXXX i did not require. XXXX XXXX  said he would XXXX our the balance. Just need confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed and no access to my money. I send documents verifying my deposits from my employer with no resolution. I started researching this and see there are thousands of complaints of this happening on a regular basis. This looks to much like a ponzi scheme where they are closing accounts to keep people 's money. This should never be allowed without 24hr contact if they believe fraudulent activity. Seems like they are getting interest free loans on a regular and trying to pay their debts at a later date. I sent payroll stubs, address verification, ID, credit card photo but wasn't enough

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
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 am Sending a complaint today in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I sent letter to Bureaus on XX/XX/XXXX regarding this matter but no response until this day XXXX XXXX. The XXXX and TRANSUNION credit bureaus are required to authenticate the accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat thisreporting account as unconfirmed information without producing proof within the legal time range. I've already included thisin my last complaint # XXXX XXXX and XXXX and I'm including it again The account listed below needs to be fix right away : XXXX XXXX Date opened XX/XX/XXXX Balance {$100000.00}

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 2022-07-30
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:
These bankruptcies was dismissed. CREDIT BUREAUS need to remove these Bankruptcy XXXX XXXXdismissed US BKPT CT FL XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX and Bankruptcy XXXX XXXXXXXXdischarged US BKPT CT FL XXXX Filed on XX/XX/XXXX Reference number : XXXX from my record to make sure that I don't need to comply with my personal legal rights according to 15 USC Section 1681n or 1681o, which needs your conformity utilizing the law.

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 2022-06-09
Company: Atlanticus Services Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged an annual fee on XX/XX/XXXX closing statement. According to credit card agreement I should have received a statement in XXXX with a massage ANNUAL FEE. To avoid paying it states PAYOFF BALANCE I didn't have a balance, And to send a written notice of termination with in 30 day. Once the FEE is charged it will not be refunded. So they will not remove it since XXXX they add late fees, plus returned payment fees because I did not authorize them with my bank. LAST STATEMENT I RECEIVED them them was in XX/XX/2021 ( That is when I paid off the balance, that statement didn't a massage ANNUAL FEE ). I should have received a statement 30 days prior to ANNUAL FEE being charged witch I didn't. I was never given a chance to terminate the account pre credit card agreement. Once this issue is addressed I need my credit reports adjusted accordingly removing all late payments witch they reported

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with non-monetary relief