BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-10
Company: CarMax, 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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: DISCOVER BANK
State: GA
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I called to verify a debt that the debt collector can not validate. The attendant agreed with my findings and transferred me to the Operations Manager XXXX XXXX. XXXX did not even say hello, she immediately started yelling at me and threatening to update my account in requests that I did not make. When I asked her why she was being so rude and abusive she simply continued with the abuse. I asked to speak with her supervisor and she said he does not take calls and is never available to speak to. 

She said the call was recorded, so it would be very easy to hear the language and abuse that she treated me with.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Please provide Validation of Debt, Assignment of Debt, Method of Verification used. I will also send this request through the CFPB as I did not receive a notice in the mail to dispute this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EOS Holdings, Inc.
State: TN
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:
Debt collector never attempted communication with me and just put and old debt that was discharged in a bankruptcy on my credit report. Furthermore, the state of TN requires debt collectors to hold a valid TN collections license which this debt collector does not have

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: WELLS FARGO & COMPANY
State: NV
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 monetary relief
Consumer complaint received 2020-08-14
Company: JPMORGAN CHASE & CO.
State: IL
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:
On XX/XX/XXXX, I sent a letter to Chase Credit Card Division Customer Service informing them that this would be the last month they could deduct a payment from my XXXX XXXX XXXX account. I  told them that beginning XX/XX/XXXX, they would be in Debt Consolidation under my attorney XXXX XXXX XXXX. 
Chase chose to ignore my letter and took three payments out of my checking account with XXXX XXXX XXXX. I reported this to my bank with supporting documents and Chase denied knowing they were in Debt Consolidation. This is After receipt of my letter and my lawyer placing them in the program. 
XXXX XXXX XXXX gave me a temporary credit but took it back because Chase stated they knew nothing about being in Debt Consolidation which is just crazy. I mailed a letter and called them in reference to this matter. Now Chase is refusing to refund my money even though they have been in Debt Consolidation since the beginning of the year. I am a senior citizen on a fixed budget and have suffered greatly from this whole situation. I would Never do business with Chase again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: MO
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've requested that the following accounts be blocked and removed from my credit file due to the fact that they are not mines due to my identity being compromised. I've also requested a Method of Verification of your previous investigation of this matter. Either I'm provided with this request or you and your companies shall removed these accounts immediately. 

XXXX. XXXXXXXX XXXX XXXX {$700.00} XXXX. XXXX XXXXXXXX XXXX  {$120.00} XXXX. XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX unknown XXXX. Missouri Department of Chld Support

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I found out from the credit reporting bureaus XXXX, XXXX and XXXX that there was a negative account under " LVNV Funding LLC " under account number XXXX LVNV Funding LLC has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commission 's guidelines of what constitutes proper debt validation. It has also been re-aged as a new collection to further affect my score. They use Multiple companies. I have sent several letters, including notarized formal validation letters seeking this verification and to this date LVNV Funding LLC Corporation has failed to provide the information requested. I have been told I will be called about multiple time and no call backs from the company. I will seek legal action against this company for the practices if the issue is n't resolved immediately LVNV Funding LLC has not provided me with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that LVNV Funding LLC has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that LVNV Funding LLC currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither LVNV Funding LLC Corporation possesses adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt of over 7 years and they have the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
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:
I am a victim of identity theft and have been fighting this for several months now.

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 2019-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2019 my bank account had some fraudulent charges on them due to someone making purchases at XXXX. I contacted the bank to dispute the charges and to get my money back. I was told that I would have the money refunded back on XX/XX/2019 and I would be receiving a new card. Instead when I checked my bank account I was overdrawn and had some overdraft fees. I then noticed that my account was still pending {$300.00} withdrawal but I had transferred {$300.00} into the account to cover any fees.

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 monetary relief
Consumer complaint received 2017-02-23
Company: CIT BANK, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mother took out a reverse mortgage for about {$110000.00} in XXXX on her residence in Florida from Financial Freedom, now a division of CTI bank. She had to be moved out in XXXX XXXX and is now in a XXXX with XXXX. Leaving the home triggered the foreclosure process. The balance on the loan is more than the house is worth today. We tried to do a deed in lieu of foreclosure with Financial Freedom which was denied. We tried to do a short sale, listing the home with a realtor, and received an offer for {$69000.00} after lowering the price to that after 5 weeks. I sent in the paperwork and Financial Freedom came back saying the house is worth {$110000.00}. As instructed by the lender, we rebutted, providing XXXX local comps at around {$70000.00}. They rejected the rebuttal and asked if the buyer could make up the difference. The buyer withdrew the offer, and the realtor said they wo n't list it for more than {$69000.00} because that is what house is worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I entered into a settlement with Wells Fargo for a XXXX credit card. When I made the final payment I was informed that it would take 45 days before Wells Fargo would contact the Credit Bureaus to inform them that the XXXX card was no longer in default. 

Is this normal? Why would it take 45 days to have the matter cleared up on 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 explanation
Consumer complaint received 2017-03-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I requested for mortgage assistance with Chase several times and only qualified for the program short sale or deed in lieu of a foreclosure. I accepted the fact that I had only the option of the short sale. In XX/XX/2016 the house was placed on the market as a short sale. The house had a offer within two weeks of being placed on the market. I contacted Chase to see if I qualified for the HAFA/Relocation assistance. The Chase representative looked into my account and told me I was eligible for the HAFA assistance at the full amount of {$10000.00}. My realtor has been very timely in sending Chase all documents needed for the short sale. Since the offer has been submitted in XX/XX/2016 Chase has been dragging their feet in this process. Now the HAFA/relocation program has expired XX/XX/2016 and Chase is telling me I no longer qualify for relocation assistance, even when my home was listed and going through the process prior to the XX/XX/2016 expiration date. I feel my account and loan should still be honored for the relocation assistance. I 'm making sure the property is being taken care of and has not been abandoned through this process and feel Chase should grant me the relocation assistance that I originally qualified for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: NJ
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 # XXXXXXXX XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : States that 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 2017-04-26
Company: EQUIFAX, INC.
State: CT
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:
There  are two addresses on my report that I have never resided at and do n't know how they got on my report. The two ad dresses that are incorrect and should not appear are the following :  XXXX   XXXX   XXXX   XXXX , GA.  XXXX   XXXX   XXXX   XXXX   XXXX , VA.  XXXX  I ask the the above addresses be removed from my report because they are incorrect and I have never resided at eit her one and never used these addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, i submitted a request for a re-finance on my mortgage. On XX/XX/XXXX, the mortgage broker informed me i had a collection against my credit for a medical bill. I researched the collection through XXXX and found a {$180.00} collection at Franklin Services in  XXXX, MS . I contacted Franklin Serv and they informed me that is was for an unpaid hosptial bill at XXXX XXXX in XXXX, MS from XX/XX/XXXX. I have never been to that hospital nor have i been to XXXX in over 15 years. I currently reside in California. They told me the bill was for a XXXX XXXX, i have no relationship nor do i know who this person is. I left numerous messages at XXXX XXXX and have not been able to get a return call. Franklin serv was rude to me and didnt offer a letter to show the mortgage company that this was done in error. As of today, the collection is still showing and interest rates have gone up to where it has financially impacted my life. I have now missed out on saving {$300.00} a month for the next 30 years. A savings of {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid for 5 flights in XX/XX/2020 for flights in XXXX and XX/XX/2020 Due to COVID all my flights were cancelled and I have written Capital One Bank credit card asking for refund on these 5 flights on seven occasions with letters direct to : Dispute Dept Capital One Customer Service Disputes XXXX  XXXX XXXX, Utah XXXX RE : XXXX XXXX XXXX XXXX I have received credit on one flight and others are in wait without explanation as to the delay .I sent documentation of all flights cancelled by airlines die to pandemic Capital One is a bank and I am told they should do a chargeback for services not rendered The 5 flights are {$1500.00} One flight credited {$980.00} I have withheld % XXXX from ongoing charges each month while awaiting other 4 chargebacks Capital one has the audacity to charge me monthly interest for the {$570.00} held! 
The airlines are taking slow walk to refund cancelled flights! 
Can Consumer Finance help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
A lot of the accounts created like XXXX  XXXX XXXX isnt mine. Reissue all my lonely in a prepaid bank card and send it to me

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 2022-08-17
Company: WELLS FARGO & COMPANY
State: CA
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 is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/16 Balance : 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 2020-08-14
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:
At the end of XX/XX/XXXX, XX/XX/XXXX, I reached out to my lender, XXXX XXXX XXXX XXXX to request a forbearance agreement due to hardship caused by COVID-19. XXXX granted me a 3 month forbearance and assured me that this would not report negatively on my credit. Towards the end of the 3 month agreement, I reached out again to XXXX  to ask for an extension of the agreement as I had decided to sell the house and XXXX agreed to provide me another 3 month extension through the end of XXXX and explained to me that after this extension, if I had not sold the house, we would discuss additional options to help me if we needed them, which I was thankful for. In early XXXX, I received a notice from my credit monitoring service that said XXXX reported me as 90 to 119 days late, which promptly lowered my credit score by 90 points across all three bureaus. I immediately filed a dispute with all 3 agencies explaining that this was not 90 to 119 days late but a forbearance agreement that should NOT report late on credit. I also called XXXX who promptly admitted to me that an error occurred in reporting to the bureaus which they would correct. Essentially, XXXX reported me late accidently. They told me they would process they correction to the bureaus. Today, XX/XX/XXXX, I received a notification from Equifax that they confirmed 90-119 days late on my mortgage and my credit report remains negative 90 points from where it was. I called XXXX and they told me that they made the correction on XX/XX/XXXX and they considered the matter closed. When I told them that Equifax was still reporting me late, they told me to take it up with Equifax or call a credit repair agency, which makes no sense since I am not trying to repair my credit, I am trying to get a reporting error resolved. I did call Equifax and they told me that indeed they were still seeing 90-119 days late being reported by my lender and that they had not received any correction from them. they told me to dispute this again, which I have done again. I do not why this is continuing to happen. I have been proactive in trying to sell my house and protect my credit by asking for help, and although I was granted the forbearance, which I greatly appreciate, my credit report is now reflecting an erroneous status that greatly impacts my future credit worthiness and no one is willing to resolve it. I need someone to step in and actively help me.

Company response to consumer: Closed with explanation