BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-07
Company: BSI Financial Holdings, Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial Services ( BSI ) claim to be a Mortgage Loan Serving company. They state my property mortgage payments had not been paid since XX/XX/2019. They refused several attempts to accept submitted BSI firms Payment History, BSI Mortgage Monthly Statement and my Banks copies of validation checks clearly proofed all payments were made. BSI returned XXXX mortgage payment with a notice which stated my home loan is in foreclosure status. This is a lie & SCAM. They also refused to accept XXXX payment. I sent XXXX mortgage payment by Teller check in the amount of {$780.00}, pending BSIs declining payment action. They are attempting to force my home to be in default statue for 90 days for non-payment. They have severely damage my credit FICO score by reported a derogatory entire of unpaid debt before they review my qualified written request of disputed debts. Their offensive negative entries cause misrepresentation in relation to a mortgage loan which is then relied upon by a lender. BSIs action cause a significant drops of 30 points in my credit profile which influences a banks decision.

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 2017-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX 2016, it was informed to me that capital one ran a hard inquiry on my credit report. I however have NO knowledge of giving my consent for this company to pull my credit. I will like to see validation with my consent of me giving permission for this company to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: I.Q. DATA INTERNATIONAL, INC.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
IQData inc attempted to contact me in XX/XX/2019 I immediately called once I received the letter and spoke to the client directly. The manager apologized and said that the collection notice would be removed right away and that it was a mistake on their end. 

I received no further contact from the collection agency or apartment complex until XXXX when I received my security deposit back via check. 

The next time I was contacted was at my PLACE OF BUSINESS. The man I spoke to was wildly rude stating that he has my social security number, he knows where I live and who my employer is. He proceeded to raise his voice at me after I told him that I would not pay the amount he is asking for because I have proof that I provided proper notice to move out and did not violate my lease agreement. 

I sent him the notice to vacate form to which he called me back ON MY OFFICE LINE AGAIN after I asked him to NOT contact me at my place of business and told me that this is invalid because it is not signed by the complex. I then forwarded the email correspondence with the leasing manager where she asks for my notice and I send it to her via email. 

This man raised his voice after I stated that I have proof and will not be paying the balance that he says I owe stating I know where you live, where you work and your social this will be going on your credit report, good luck! He then hung up on me. 

I have sent an email to the company stating in writing for them not to contact me at my place of business again and providing the proof I have that I am not in the wrong here.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07
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:
This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Barclays closed my credit card for no good reason. I have a credit score of XXXX according to them. Their reasons are weird. It brought down my credit score also. I have rewards which can not be used now. 
I was provided no notice or warning before Barclays did that. 

Tried calling Customer service XXXX twice. After successful verification, call getting disconnected. Sent the fax to XXXX regarding this.

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 2017-07-22
Company: CITIBANK, N.A.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and there was a collection on it. I disputed I, 2 months later I received a letter from XXXX that states it is verified as accurate.. I do not have a Citibank account. I did not open any accounts placed in collections X/XX/2017. No verification was sent to me on how this account is valid. No signatures, no statements. If I did have a Citibank account, I ca n't find record of it on my old credit reports, it was deleted and past 7 year statutes of limitations. I wrote and mailed a letter to the collection agency jh portfolio, stating this information is false, does not belong to me, no written verification was sent to me prior to it being reported on my credit report, and if it was my account it is past the XXXX limit and was already dropped off and to please take it off my credit report. It is still on it and XXXX verified it as accurate? How? No paperwork, no proof, no anything. If not dropped I intend to sue for damages.

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 2020-01-07
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I put in an application for a Chase Sapphire Reserve card in ~ XX/XX/XXXX. I received a letter from Chase dated XX/XX/XXXX asking for me to come into a branch and provide a copy of my Social Security Card for verification. I've previously been a victim of identity theft so this type of thing is routine when opening new accounts for me. I went into the Chase branch at XXXX XXXX XXXX XXXX Washington DC XXXX on XX/XX/XXXX and XXXX XXXX ( XXXX ) took my Social Security Card into the back without me and scanned and faxed it to their Fraud department along with their " SSA-89 '' form which had my SSN on it as well. She had the assistance of at least one other woman who worked at the bank. She took a copy of my SSN and used the copy to scan/fax it. I called XXXX to validate that the Card Services department had received it and had the phone on speaker phone while XXXX XXXX and the Card Services member talked about how to store the document. The Card Services member validated that she had what she needed and the call ended and I left the bank. 

On XX/XX/XXXX I received the same letter as I received previously again and when I called both the bank and Card Services departments they did not know where my faxed or scanned Social Security Cards were. I would like a full investigation into this matter about how they were able to lose my PII, especially both a form with the SSN on it and a copy of my physical social security card. Card Services called back to tell me my application had been approved, but they were not able to tell me where my PII was. I also talked with the Branch Manager of the Chase Bank and she said she was going to find out what happened but I have not yet heard back either from her. I would like a full explanation from Chase about what happened and I want all of my information permanently deleted from their systems including documents because I do not trust that they will be able to protect my PII in the future because they have not currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Deceptive practices and current lawsuit University XXXX XXXX recruiting of military personnel and veterans.deceptive practices and current lawsuit. Grossly mislead and taken advantage of as a XXXX Veteran. I 'm currently involved in a Class Action Lawsuit against University XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX, and I am very upset, disappointed, frustrated and at my wits end. I am hoping to get some type of resolution regarding my complaint. First, let me start by saying if Im a consumer and you have my credit file and notice there arent any accounts pertaining to the inquiries or that they are fraudulent and I didnt authorize them, why is it that I must go through so much to have things removed from my personal credit file. The removal of these inquiries are very important to me b/c I cant acquire credit due to inquiries. Im just a mother thats trying to get a home for my kids and I. Attached you will find the order of my disputes that were sent to Equifax multiple times. I started my credit journey back in XX/XX/XXXX. I have mailed letters, I have called, I have faxed, I have disputed and disputed until I am blue in the face and havent had any luck. I made contact with Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have spoken to several representatives. Back on XX/XX/XXXX I spoke with a rep by the name of XXXX and he removed XXXX inquiries for me with a confirmation number of XXXX. I received the dispute results via email and was ecstatic and then I became upset when I noticed that some of the same inquiries were still listed. I was livid. So I called, disputed, called and disputed again. On XX/XX/XXXX I spoke with 2 reps and then finally a supervisor-named XXXX-rep ID XXXX who was very rude and did not try to assist me. I spent an hour and 37 minutes on the phone with her trying to plead my case and also make her aware that these inquiries that are on my report were made while in fact there was a fraud alert and security freeze on my file. She said I needed to file a police report, to me that makes absolutely y no sense at all. I have already reached out to the companies and b/c there arent any open accounts attached to my social security number they are unable to provide me with any type of letter to assist me with the removal of the inquiries. The only thing Id like is for the issue at hand to be resolved and the inquiries DELETED. Hopefully, this time around I will get some type of satisfaction. At this point I dont know what else to do, but Id like for this to go away. Thank you for your time and please see the attachments. XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Lending Club Corp
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company received proper documentation that they have been submitting request for payment on a fraudulent account. Instead of ceasing and deceasing, they have engaged in very aggressive and harassing collection tactics. They even sold their fraudulent account to a collection company that ended up filing a bogus lawsuit, seeking a quick judgment trough cheating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: JH Portfolio Debt Equities, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and there was a collection on it. I disputed I, 2 months later I received a letter from XXXX that states it is verified as accurate.. I do not have a XXXX account. I did not open any accounts placed in collections X/XX/2017. No verification was sent to me on how this account is valid. No signatures, no statements. If I did have a XXXX account, I ca n't find record of it on my old credit reports, it was deleted and past 7 year statutes of limitations. I wrote and mailed a letter to the collection agency jh portfolio, stating this information is false, does not belong to me, no written verification was sent to me prior to it being reported on my credit report, and if it was my account it is past the 7yr limit and was already dropped off and to please take it off my credit report. It is still on it and XXXX verified it as accurate? How? No paperwork, no proof, no anything. If not dropped I intend to sue for damages.

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 2017-07-22
Company: ORG GC GP Buyer, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I 'm filling a second complaint in regards to the situation as NOTHING was resolved the first time. I previously was with the cell provider XXXX and switched to XXXX, When I made a visit to the XXXX store ( XXXX XXXX ) to see what offers they had to potentially make the change to go with XXXX- What they told me sounded very nice and made it what I thought was going to be an affordable switch! They promised {$650.00} to go towards paying off what I would owe XXXX if I left them. They said I would receive this in the form of a gift card within a couple of months. Out of the {$650.00} I was promised I received approx. {$120.00} Gift card! NOT {$650.00} The stores tactics to get you to switch over are deceitful and dishonest! I tried talking to a representative in the store directly which was no help at all. Now im receiving a large phone bill from them- I ended up switching to XXXX because I refuse to go with a company that has done nothing but like from the very start! in My former complaint they responded by saying they sent me a gift card, however what they failed to mention is that the gift card was about {$120.00}!!! very unethical and deceiving!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has been attempting to collect on a debt that they have been told and know is the result of identity theft. They engaged in intimidating and threatening tactics ; they filed a bogus lawsuit, cornered me into a courthouse conference room, and coerced me into agreeing to pay them or else be found in contempt of court. After all of their cunning maneuvers, summary judgment. They're using their lawyers as weapons ; I surrendered to their demand in part because I couldn't afford legal representation, until I found out that I have a powerful recourse with the CFPB. They forced me into entering a complex stipulation under duress to pay them thousand of dollars ( about {$5000.00} ), knowing that the debt was fraudulent. Now, they are harassing me for more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07
Company: BARCLAYS BANK DELAWARE
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:
My credit report is showing fraudulent accounts from Barclays Bank Deleware attatched to addresses I have never lived at.

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 2018-12-03
Company: Experian Information Solutions Inc.
State: SC
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:
Spoke with a representative of Experian, about fraudulent items that where on my credit report, as well as wrong names, addresses and employers. I was told to send in a dispute, which i did, and it came back verified. This isn't possible, i've already file a police report, spoke with the creditors about the accounts, placed a freeze and fraud alert on my credit report, and file a FTC report. They aren't being very cooperative, i just want to protect myself from any further damage, and gets these accounts of my report which has cost me denial of credit and higher rates when i did get approved. I was totally clueless of this account until recently in XXXX when i got 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 non-monetary relief
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
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:
In accordance to the Fair Credit Reporting Act XXXX  account XXXX XXXX Account number XXXX has violated my rights.

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

16 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an 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 2021-02-03
Company: Experian Information Solutions 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:
This account is being reported past the statue of limitations with false information. It was sent by the company to XXXX XXXX where it was paid in full and agreed via letter from XXXX XXXX that it will be removed from my credit once paid.

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 2017-03-26
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX, CA XXXX XXXX XX/XX/2017 XXXX XXXX, Oh XXXX XX/XX/2017 I did not authorize these company that I listed above to run my credit on my credit report due to the law under section 604 of the FCRA they broke the law by sharing my information that i did n't authorize.

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 2022-06-13
Company: Westlake Services, LLC
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 never communicated with Westlake Service Inc. on XX/XX/2022 and provided any of my personal information ( violation of 18 USC 1028 and 18 USC 1029 ).

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 2022-06-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I was at the car dealership and Found out that a lot hard inquiries that I didn't recognized nor did I authorize XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX - XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX. XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXXXX/XX/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