BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-03
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX and XXXX of 2021, I filed a dispute with this credit bureau about the unverified and inaccurately reported collection account : XXXX XXXX XXXX  Account number XXXX that was reporting a different date of last activities and XXXX XXXX Account number XXXX that is still in dispute after 60 days. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about thes 2 unverified accounts as of today. Thank you

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 2018-03-08
Company: CL Holdings LLC
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Lawsuit filed against me onXX/XX/2016. 
CAN NOT get attorney to respond to my WRITTEN REQUEST for documentation of debt. 
Lawsuit filed. 
I responded pro de ... .yet NO response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I contacted Flagstar Bank, the holder of my mortgage, on XX/XX/XXXX to discuss refinancing and spoke to XXXX XXXX. We verbally agreed to pursue a refinance and I applied, sent in documents, etc. Due to long delays in communication from XXXX, and the loan processor XXXX XXXX, my closing was not scheduled until XX/XX/XXXX. I was already very frustrated at this point as waiting for the refinance to close was negatively affecting my overall finances. However, two hours before closing, I was notified that Flagstar did not have the final closing disclosure ready due to still not having the payoff document from my HELOC ( which was their responsibility to acquire. ) We had to cancel the closing and now, XX/XX/XXXX, two WEEKS later I still do not have a rescheduled closing. My credit score has dropped while I've been in this financial limbo, rates have risen, and Flagstar 's incompetence has 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 2022-05-02
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 Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1682 section 602 A States I have the right to privacy.

15 U.S.C 1861 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 2017-04-16
Company: Convergent Resources, Inc.
State: SC
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 filed a complaint last month about a debt reporting from this company that is not mine on XXXX. They agreed to remove it. That has been done but now they have added this false debt that is not mine to XXXX!!! I need this deleted immediately as I am trying to buy a house

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 2020-01-29
Company: Trident Asset Management, L.L.C.
State: DE
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:
A few months ago I checked my credit and found this account reported. I have no idea who Trident Asset Management is, nor have they ever contacted me! I have repeatedly asked them to verify the debt, and have disputed it with both them and the credit bureaus, yet the account remains, and they still have not sent me anything or ever contacted me! I don't know what a Trident Asset Management is or why they are on my credit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
a debt was discharged in bankruptcy and long since past the Statute of Limitations, yet Ally bank is holding the title of my XXXX XXXX XXXX and not willing to release it until they illegally connect approximately {$620.00}. They refuse to release the title and have been very unwilling to discuss the matter.

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 2021-12-14
Company: JPMORGAN CHASE & CO.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed into sending money via Chase XXXX for a rental property at XXXX XXXX XXXX XXXX, XXXX. I first saw the home listed on XXXX and contacted the listed owner, XXXX XXXX, who is in fact the owner on legal record of the home. Unfortunately, his identity and name was being used by criminals. After viewing the vacant property and agreeing to the rental terms, I was given a XXXX account to send two months security deposit and first months rent totaling {$7400.00}. One payment for {$5000.00} went through on XXXX/XXXXXXXX and another payment for {$2400.00} went through on XX/XX/XXXX. On the night of XX/XX/XXXX, while looking at the property again the listing was gone and a new listing appeared on XXXX with a much higher rental price and different contact person, XXXX XXXX. I contacted him and he told me that someone had stolen his fathers identity, XXXX XXXX, and hacked in to the actual listing, using all the data, photos and information about the property. I immediately contact the fraudulent scammer and asked for the money back and he replied, okay. Of course, the money was not returned, the phone number and email associated with XXXX was also fake. I contacted XXXX and Chase And they refused to even file a claim stating I willingly sent the money and they were not responsible.i contacted XXXX which is part of XXXX and they could not give me any information because it was a feed listing from a syndicated source. They did open a claim. I am a Chase Private Client and expected that Chase would protect the people who trust the bank and the services it provides especially when a client is a victim of internet fraud. XXXX XXXX has filed a complaint with the Village and Town of XXXXXXXX XXXX and I filed a complaint with the XXXX XXXX police where I am a resident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXCAPITAL ONE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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
Consumer complaint received 2021-12-14
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase Bank is offering a Top Spend Category promotion that is supposed to be available to all Freedom Flex cardholders. I am a Freedom Flex cardholder, but Chase is refusing to honor this promotion. I have attached two screenshots as proof of this offer which is open to everyone holding this particular credit card. I did not see any exclusionary terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$570.00} XXXX  XXXX Balance Owed XXXX {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX  XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$300.00} EQUIFAX : XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$180.00} REGIONAL XXXX XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$570.00} XXXX  XXXX Balance Owed : {$9600.00} XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed XXXX {$180.00} XXXX  XXXX XXXX Balance Owed : {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: EQUIFAX, 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 status incorrect

Complaint:
Equifax is inaccurately reporting an account for a previous car loan with XXXX XXXX XXXX that has been removed from other credit bureaus because the car was returned and the balance satisfied. When asked Equifax to remove this item they are using my name and identifying information to confirm the account without properly checking the records for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Discover Financial services advised me I would have to sign an IRS release for my tax returns in order to keep my account active & open, once I signed the release & before they got the information the locked my account & refused to allow purchases. When I called to find out why, they said it's locked until they get the information from the IRS. In my 20 years I've never had a credit card company ask for my tax returns for verification, I do believe Discover is targeting me because I filed another complaint against them for not apply my payments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Santander Consumer USA Holdings Inc.
State: TX
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  Account # XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 : it also states A consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and Purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: GA
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:
to whom it may concern the company reporting the wrong is experian credit reporting they have an account listed as paid/charge off and its keeping me from buying a home the account is with XXXX XXXX the account number is XXXX and the amount charge offed is {$93.00} in which XXXX XXXX says i do not owe any balance they say the account was opened in XXXX of 2010 everybody says i dont owe any money so my thing is why is it still reporting a negative item on my credit report i would like for the credit and said paid account to be removed immediately

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 2017-04-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent THREE different dispute letters to Equifax, and Equifax is refusing to properly validate the debts that I have put in letters I have been sending them since XX/XX/XXXX. They keep stating that they have " verified '' these alleged debts and unverified accounts. Equifax still has not identified who at Equifax verified the accuracy of those accounts and they were verified. As I previously pointed out in my first THREE LETTERS XXXX Law Dictionary, XXXX Edition, XXXX, defines " Verification '' as " Conformation of correctness. truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of a party. So that means that Equifax must be able to prove this in a court of law. The following accounts I would like removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have retained all of copies of certified letters I have sent to Equifax which will used as evidence in pending litigation provided Equifax fail to comply with my request. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I put correct information to obtain my XXXX credit reports online, and ca n't obtain any of them. I wonder if this is because I lost my wallet in XXXX XXXX, Florida in XX/XX/2016.

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 2017-04-11
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is reporting XXXX credit inquiries on my credit report that i didnt authorized. 
XXXX/17 XXXX XXXX/17 XXXX XXXX /17 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 2017-10-16
Company: Specialized Loan Servicing Holdings LLC
State: MD
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:
Specialized Loan Servicing is reporting I had late payments in XXXX. I printed out my statements and sent them in to them circling all the payments made from my account to them that year. I recently sent a complaint to XXXX and XXXX and they corrected the problem. I am sending the same documents to XXXX so they can see the payments were made and remove the derogatory marks from my credit report. I have tried to resolve this issue 3 times with Specialized Loan Servicing and they keep reporting false 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
Consumer complaint received 2019-12-18
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2019 XX/XX/2019 XX/XX/2019 XXXX XXXX have been informed by me through phone and mail about theses inquires that's not authorize by me, I was told by XXXX XXXX that they will send the companies notice and they din ; t have to respond. 

I refuse to have items on my credit report that's not mines. 

XXXX XX/XX/2019

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 2021-12-14
Company: Client Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX, my credit card company, sent my bill to collections in XX/XX/XXXX. The charge off amount from XXXX was {$5400.00}, per XXXX. Client Services, the debt collector, stated the amount owed was {$5700.00}, letter dated XX/XX/XXXX. Not knowing really how much the debt was, i made payments to Client services on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all in the amount of {$50.00} per transaction. I was unable to make another payment until XXXX, XXXX. Client Services is now stating I still owe $ XXXXand that they have no record of receiving any of my first 5 payments. They also can not explain why the amount owed is more than what XXXX states I owe. I tried to resolve this with Client Services, with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: SYNCHRONY FINANCIAL
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:
On the Dates below a creditor Synchrony Financial continues to inquire unauthorized 'Hard Inquiries ' on my credit report. All inquiries made by this company listed below are unauthorized 'Hard Inquiries ' : 'Hard ' Unauthorized Inquiries : SYNCHRONY FINANCIAL ( Finance ) XXXX XXXX, 2021 SYNCHRONY FINANCIAL ( Finance ) XXXX XXXX, 2021 SYNCHRONY FINANCIAL ( Finance XXXX XXXX XXXX, 2021 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