BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: HI
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:
My personal information is being reported as inaccurate and this is a direct violation of the FCRA. My personal information should be updated immediately to counter fraudulent accounts or inaccurate information from being reported on all 3 of my credit reports, My name should be reported as it reads on my Hawaii State issued Drivers License and it reads as follows and all other names should be deleted immediately, XXXX XXXX XXXX XXXX is my birth given name and should be the only name that shows on my Experian, XXXX, and XXXX Credit Reports, nicknames, know as names, or other names should all be deleted immediately, also my address is XXXX XXXX XXXX, Apt XXXX XXXX Hi, XXXX, all other address should be deleted immediately in accordance with the FCRA, also my Birth Date is XX/XX/XXXX and should be updated immediately on Experian which only has XXXX reporting as my birth date, also update my place of employment as XXXX XXXX XXXX Co XXXX and it should show on all 3 Credit Bureaus Experian, XXXX, and XXXX all other places of employment I want to deleted off my credit reports immediately for inaccurate reporting. Also, update my phone number to my personal phone number XXXX and delete all other erroneous phone numbers on my credit reports Thank You I will upload my Valid Drivers License and Social Security Card my XXXX W2, and a Utility Bill as Proof of Identity and Residence

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 2015-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I just recently learned about the program initiated by President Obama in XX/XX/XXXX trying to rectify unfair mortgage practices against XXXX members and veterans beginning during the XXXX recession. After retiring from the XXXX XXXX in XXXX, I was employed here in Ohio until XXXX XXXX. Eventually, I/we were foreclosed upon by Countrywide Lending after attempting everything legal that I was aware of having available. This wound up costing us & gt ; {$43000.00} in equity alone. All I ever received from the XXXX settlements were XXXX checks totaling less than {$800.00}. If the program talked about in this news article is still functioning, how do I go about having my case submitted to, and reviewed by the appropriate people? XXXXXXXXThank you in advance for your time and assistance. 

Respectfully,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received calls from Midland Credit company since XX/XX/2015. They do not ask for me by name but say they are trying to collect a debt. The same number of this company has called me every day for the last several weeks. The number they used before in XX/XX/XXXX was XXXX. They are now calling from XXXX. I spoke to a manager XXXX XXXX and requested that they remove my number from their call list. This is the third time I have ask them to quit calling my number. They have never complied. I HAVE NEVER GIVEN THEM MY NAME AS THEY DONT ADDRESS ME BY NAME! All these people have is my phone number to continue to harass me. They all sound like they are from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: JPMORGAN CHASE & CO.
State: IL
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:
Consumer complaint narrative In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. JPMCB CARD Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT*** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and wellbeing by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT*** )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My name is XXXX XXXX. I used to have a Chase bank account which was closed by Chase with without providing any reason. To be honest I was in a bad marriage where I found that my wife was hiding a drug addiction and I believe she was writing bad checks in my name. Chase never took money from my account actually they sent me a check when they closed the account for the amount I had in the bank at the time. Its been several years I am no longer with my wife ... I have worked extremely hard to clear up all the damage she did and raised my credit score from a low XXXX to being in or near the XXXX now. I tried to open an account again with Chase as it is just convenient as their locations are everywhere. Everything went through and I actually received the debit card a week later. They then again closed the account. I went to the bank and contacted their customer service and they told me that I am permanently banned. I explained the whole situation and said if there is anything that can be done to fix my name with their bank. They told me I do not owe any money but there was nothing that can be done I am just banned for life. No reason as to what was done using my name that I did not even do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
i have a issue with paypal system. 

my paypal account was blocked becouse i received {$10.00} dollar. 

Now, the system has place a permanent limitation on my account. 

XXXX Limitation ID XXXX Will paypal review my account again and tell me what they need for help me to resolve my issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, these following accounts have violated my rights : XXXX XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX XXXX XXXX ( # XXXX ) XXXX XXXX XXXX XXXX ) XXXX ( # XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( # XXXX ) XXXX XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) 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 non-monetary relief
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX : ACCOUNT # XXXX XXXX XXXX  XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX XXXX report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2016-08-09
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
Over the last 7 years ( this is as far back as AMEX goes with my billing statements ) I 've been charged cash advance interest totaling {$7500.00} but have made no cash advances in that time. 
Now to be fair ... I somewhat remember using i my AMEX to get a cash advance for emergency reasons on vacation many, many years ago ( more than likely over 10 yrs ) definitely over 7 years ago but the amount i withdrew ( probably $ XXXX- {$200.00} ) does n't warrant over {$7500.00} in interest for the last 7 years in my opinion. 
I had a claim/dispute inquiry with AMEX but have cancelled it ( think they were blowing me off anyway ). I am considering an attorney and legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX : ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2020-04-21
Company: HSBC NORTH AMERICA 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: Account information incorrect

Complaint:
1. when I reported fraud on my card in XX/XX/2019, HSBC still charge late pay fee. 
2. HSBC admitted the fraud on my account and credited back {$4700.00} on XX/XX/2019, but they rejected to correct the statement to credit bureau to change my credit score. and it passed 4 month and credit report still shows old debts : {$10000.00} debts not {$6200.00} 3. {$6200.00} is the transaction more than 90 days from the fraud report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I have attached emails i have sent to my " borrower advocate '' at LoanDepot. I am currently in forbearance and I am trying to exit forbearance but LoanDepot does not seem to want to accept my payment. I get sent in a circle, go talk to the borrower advocate, then yes go ahead and pay, and then it turns out I can't pay they are demanding my full 12 months of payments before I can make a mortgage payment. 

I tried to pay over the phone and kept getting sent in circles I tried to pay online and they will only accept XXXX or nothing I explained I have an application pending for homeowner assistance and I want to start to make payments but nobody will assist me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, 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 XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  originator XXXX  ) Account # XXXX, XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX ( originator XXXX XXXX ) Account # 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. Also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Someone named XXXX called my business to confirm info re my amex card. i called amex directly they confirmed it was not their number and it was a scam. phone # he requested i call back is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Selene Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been trying to resolve this situation with the mortgage company Selene Finance since XX/XX/XXXX. We got behind because of some personal issues. We sent a payment for 2 months and we owed 3 they sent it back in XX/XX/XXXX. 
We called and sent emails in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. When we would call we would be on hold hours and still not get a person. We would be hung up on. Our emails would be rejected saying the wrong email address, but it was taken from the web site. We mailed our loan modification request paperwork to the address on the paperwork. We could not get someone on the phone till XXXX. At that time they told us that was the wrong address and email it to them. So we did then, then we were told it was too close to the sale date to evaluate with them. Now we can not get them on the phone, we just want them to move the sale date so we can have a little more time to come up with the money. We started recording the phone calls showing them hanging up on us, giving us wrong information and just not wanting to help us. They just want out house. We have XXXX  kids and all we want to do is keep our house and we want a mortgage company to work with us to save it. They do not. Please help us if you can. I am just attaching one example of email communications that state they never went thru. We have more records and recording of our most recent phone calls to valid our case. We have been trying to resolve this situation and they have not wanted to help us. 

Thank you very much XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with XXXX XXXX  but it is serviced by Mr Cooper. My mortgage payments are sent to Mr. Cooper. I received a " Late Notice '' dated XX/XX/2022 saying that we were in default for the month of XX/XX/2022. I called Mr. Cooper on XX/XX/2022 and spoke to a lady named XXXX, who looked up my account and said that they had not received the payment. I called Mr.Cooper again on XX/XX/2022 and spoke with a MrXXXX  who was presented to me as a supervisor. Mr XXXX said that the payment was posted XX/XX/2022. He told me that Mr. Cooper received the payment on XX/XX/2022 and my payment was posted to my account back to XX/XX/2022. There are two problems with Mr. XXXX position ( 1 ) I make my mortgage payments through a company called XXXX. XXXX, whom I called and explained the situation sent me and email showing that XXXX sent the check on XX/XX/XXXX and the check was cashed on XX/XX/XXXX. Mr. Cooper has maintained the reason for the delay was because of the Post Office delay in delivering the mail. ( 2 ) This is the second time this has happen. The same thing happen with the XX/XX/2022 payment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: EQUIFAX, INC.
State: LA
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 've been trying to submit complaints to the credit bureaus about some inaccuracies that i 've seen on my credit report. This has been going on for about 6 months to no avail. The credit bureaus have been failing to investigate my disputes. Claiming they ca n't locate my credit file. I 've sent it proof of my idenity ( i.d . and social ) Also proof of my residence. I still have n't heard anything back from the credit bureaus. I 'm not sure what 's going on but i think it 's pretty unfair.

Credit Bureau Services # XXXX For one this company is not licensed to operate a collection agency in the state of Louisiana. Second, i am NOT sure how this company has access to my medical information. Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX Credit Card Clearly this company has made a mistake. I have never asked for permission to be an authorized user on this card.

-XXXX XXXX # XXXX I have never done business with this company. Clearly they have made a mistake.

XXXX XXXX # XXXX I have never been contacted by this company nor have i done business with them. Clearly this company has made a mistake. Please remove.

-XXXX  # XXXX I have no idea what this debt is. Please verify this account or remove.

I know that mistakes happen but it should not happen at my credit 's expense

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There are bankruptcies on my credit report which are report inaccurately. I called the court to clear up the mistake and I received a letter that says they do not report to credit agencies. It is illegal for third parties to report bankruptcies on my report.Because these errors are reported by third party entities I can not correct these issues. I wish to have these items removed from my credit report. I have included the dates and times I have contacted the bureaus to explain these issues and they claim they have verified the information. However, I have a letter directly from the court stating that they do not verify this information.

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