BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My Loan # ending in XXXX was acquired from XXXX. I am XXXX XXXX XXXX struggling to keep up with my payments and insurance and property taxes. I asked for an Escrow account to be set up in XXXX to assist me with paying my property taxes. In XXXX the company stated they could help me setup and escrow account and that I needed to make my monthly payment prior to them starting the process. My payment date was in the middle of the month and they started the process on the XXXX of the month I had to borrow money from a 3rd party XXXX XXXX and I borrowed {$100000.00} but had to pay back {$2000.00}. This caused me to fall behind on my mortgage because I am on Social Security and have to pay all of my other expenses and my home insurance and property taxes. My home owners insurance went up {$120.00} because I filed a claim for roof repairs. After filling out the required documents for the escrow account to be setup they told me that they could not set one up for me. I had to go to another company in XXXX to borrow money once again to pay my taxes. Since then I am now getting a discount for my taxes for being a XXXX. SPS is now going up {$160.00} on my monthly payment because in the past they paid my taxes and divided the payments over a period of time now they state they can no longer stretch the payments out over an extended period, They sent a letter out in XXXX stating they are going up in XXXX this was not enough time for a person to make any prior arrangements or decisions. I can afford to pay {$60.00} more but now {$160.00} extra I need to pay my utilities, buy food. I just sent them information showing that I paid the taxes a month ago. I really need some one to show compassion and consideration their number is XXXX and their address is XXXX. XXXX XXXX XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX Thank you for your assistance Regards 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 2023-06-20
Company: AMERICAN EXPRESS COMPANY
State: OR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Most of problem like many others is with XXXX, AMEX. Yes have racked up credit debt. AMEX went after me using their credit. They gave a {$10000.00} limit when first signed up. So started using it. 
Also it's XXXX a big problem reporting amount I had used. Who's to say we have monies saved up. XXXX and AMEX crossed the line.They have so many documents you would have to be a lawyer to keep up. We already paid down {$1000.00} to AMEX as well as {$100.00} recent payment. They dropped my usage down to {$2900.00} from {$10000.00} I'm citing AMEX with bad policies holding credit against its customers Also XXXX for dropping my scores no doubt to get into their high credit interest cards. 
Companies like these should be closed. I'm pretty sure XXXX must get a cut behind closed doors. Never use info against consumers. Especially paying on time. I think they try to lower scores for their own benefits. I didn't misunderstand a thing if they should try the consumers XXXX  ploy. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 contacting you to request the deletion and removal of the accounts and associated information from my consumer report. The accounts and information mentioned below should not be included in my consumer report. This inclusion violates the FDCPA and FCRA, and it is imperative that these accounts and information be promptly deleted and removed from my consumer report to comply with the relevant laws. I kindly request an immediate removal of these accounts and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX went after my old bank account without permission to collect a debt that was written off from Discover. Whether the debt is owed or not. You do not have the rights to go after my bank account. Im not really trying to hear anything about my bank being garnished, especially when I didnt receive anything in the mail about this. If this company really exists I shouldnt be obligated to pay more than half of the entire debt. Every time I call them to speak to someone Im left on hold

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I sent a cancel request via Experian website. They were unable to close my " free '' account that is rushed with ads, so they instructed me to call. I called in this morning and was told they would not close my account. I've sent close to XXXX requests this morning asking for it to be closed with nothing but negative responses. 

Predatory, criminal, and incredibly annoying. Experian needs to be completely overhauled in the XXXX, I have NEVER been less satisfied with a service. Especially a " free '' one.

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 2023-06-20
Company: HW Holding, 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:
I have called the companies thats on my credit report and they was given me the runaround and not given me actual information about my credit. I told them some of them I dont even have knowledge of at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My daughter had a checking and savings account and her and I had a joint checking account. On XX/XX/XXXX XXXX I noticed a large amount transferred from my daughter 's accounts into the joint account. I asked her if she did this and she said no. She then did a transfer back into only her accounts. On XX/XX/XXXX XXXX I noticed all the money in the joint account gone. I immediately went into Chase bank and initiated a claim. The personal banker could see that a wire transfer had been initiated by someone neither my daughter or I know out in XXXX Florida. My daughter ( lives in a different state ) went to a local branch and initiated a claim as well. The wire transfer was for {$12000.00} to a XXXX XXXX. Over the ensuing months we both had to repeatedly file the same paperwork. No response was coming from Chase. We had it expedited several times. Finally on XX/XX/XXXX my daughter received a check in the amount of {$6700.00}. This is {$5800.00} short. We continued to try to have the rest of our stolen money back from Chase and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: DC
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:
Report contains inaccuracies and other items from people ( establishments ) I've never heard of.

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 2023-06-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00}

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 2023-06-21
Company: Experian Information Solutions 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:
I sent out over {$200.00} dollars of Certified letters via mail to All 3 Credit Bureaus on XX/XX/2023. With disputes letters along with copies of my identifications to verify who I was. I asked that all XXXX credit bureaus send me an updated copy of my credit report once the corrections were made/fix/resolved. But all 3 credit bureaus didn't fix or resolve the disputes or send a corrected/updated credit report. In fact the disputes I sent to them are still reflected on my account as I type this complaint on XX/XX/2023. Which has given the company 4 months of opportunity to resolved my disputes. But they have not.

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 2023-06-21
Company: Colony Brands, Inc.
State: MI
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:
XX/XX/2022 I placed an order with my swiss colony account and swiss colony fraudulently opened another account the day after my order was placed and when I tried to pay my original account it showed a XXXX balance and I tried several times to contact them about it without results until I got a thirty days late notice for an account I didn't open I called again.They told me it must have been a system glitch and they would fix it and close the second account they did nothing and then blamed it on me and XXXX was notified of this and that I wanted the account closed as I didn't authorize it. They assured me they would fix it and they didn't do what they said either even though I showed proof of my first account and the date I ordered and the date the new account was opened which was the day after my order was placed. They alsoade a hard inquiry to my credit bureau which negatively affected my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: HYUNDAI CAPITAL AMERICA
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:
This is my complaint to XXXX XXXX XXXX for allowing the fraudulent account on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report this is one of fraudulent accounts reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment and violation under FCRA policy.

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 2023-06-21
Company: DISCOVER BANK
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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2023, a bank check from XXXX XXXX in the amount {$15000.00} was sent by XXXX Overnight to Capital One to pay off my credit card account including interest. I HAVE DOCUMENTED RECEIPT OF THAT DELIVERY TO CAPITAL ONE at XXXX XXXX on XX/XX/XXXX in XXXX NC. The receiving employee has signed for that check. 
I began calling Capital One on XX/XX/XXXX to question why it was not yet applied to my account. They responded that they had " no record of that check '' although I sent them a copy of that signed receipt. 
They continued to charge me interest. 
After waiting 30 days, XXXX XXXX stopped payment of that check and issued a second check which WAS received and credited to my account. 
To this day, the interest has compounded and they have not acknowledged that indeed, they lost my first check at their facility, which I have proof of. 
Documentation was mailed to their dispute center and on XXXX, we received a letter stating that there was no error on the part of Capital One. Interest compounding continued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX, Credit Management, L.PXXXX reported a fraudulent item linked to my social security number to all 3 credit reporting bureaus. Promptly, I provided Credit Management, L.P. with irrefutable evidence of this item 's classification as identity theft, documented through FTC IdentityTheft.gov. Consequently, this item was successfully expunged from my credit report across all three credit bureaus. 

However, to my dismay, I recently discovered that Credit Management , L.P. has once again reported this exact item, bearing the same account number and originating from the same company, on XX/XX/XXXX. Despite their persistent attempts to dismiss the facts surrounding this item and portray it as distinct from the previous occurrence, on XX/XX/XXXX, I managed to engage one of their supervisors, XXXX, who acknowledged that it is indeed the same item. She assured me of its immediate removal from my credit report across all credit reporting bureaus.

Regrettably, it has been two weeks since XXXX 's pledge, and instead of being removed as a fraudulent item, this entry has been modified to indicate a paid-off status with a remaining balance of {$170.00} as of XX/XX/XXXX. 

Numerous attempts have been made to implore this credit collection agency to adhere to the rules and regulations outlined by the Fair Credit Reporting Act ( FCRA ). However, their unwavering lack of cooperation and blatant disregard for these guidelines have resulted in substantial damage to my financial stability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Saying I have less money then what I had taking money out of my account workout my authorization

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 2023-06-22
Company: Experian Information Solutions 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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/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
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: MS
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 report have my social number incorrect and my name, address is incorrect as well. And it constantly putting my credit in a bad position when the information isnt correct. 

Trying to get money out of me when the account of been sold thru a 3rd party and they constantly hitting my credit report when they dont suppose to.They cant identify my original account etc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Capio Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capio Partners is stating that I owe them for a debt. I requested for them to send me validation a signed contract with my signature and that the agreement was between Capio Partners and I and a break down of the debt they say I owe them. Also I requested that they show me proof that they are able to collect a debt in the state of MI as well as other specific things Ive asked them to prove. Capio Partners is stating that I owe them for XXXX XXXX Of Michigan in the amount of {$180.00}. I reached out to XXXX and asked do they sell debt they stated no ( Im well aware of my HIPPA laws ). I could sue XXXX for violating XXXX laws. Capio Partners has violated multiple HIPPA laws and I have my lawyer on hand to sue Capio Partners for the violations of my medical rights. Also there information has not been reviewed by a lawyer.

Company response to consumer: Closed with non-monetary relief