BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was reported to the credit bureaus as 30-days late, but the records I have of cleared checks from my bank shows cleared checks within the 30-day mark. When I talked to the representative today, she said that I have been paying the incorrect amount. However, I have not received notification that my payment amount has changed. What I usually do ( and what I believe most consumers who are busy with work and daily living do ) is looking at my " History '' online to see if there is anything wrong and by the way it appears online ( at least to me who is not a financial/accounting professional ) when I look at it every time, nothing seems to be wrong. 

The representative I talked to today collected {$150.00} plus a fee to make my account current. ( My life can be ruined by a {$150.00} amount ). When I looked at my checking statements, the checks were cleared by my bank. SO, it is hard to see the change in the payment amount, and I did not receive a clear notification by mail, email or even a phone call. That way, consumers can make sure we don't get reported to the credit bureaus which could be devastating for some of us especially for someone like me who is recovering from the recession and has worked long and hard to bring all my accounts current, and be reported for not informed of changes to my mortgage payments ( though, they keep sending computer-generated letters convincing me to either buy a new house or refinance ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Midland Funding called a relative who is not on the account the amount that I owed. I contacted Midland letting them know what they did was illegal and they have not contacted me back what options do I have?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: Experian Information Solutions Inc.
State: OH
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:
Companies are reporting wrong information to my credit report. I have sent multiple letters in explaining to the bureaus that certain accounts don't belong. But nothing has change.

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 2021-06-16
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX, XXXX XXXX XXXX XXXX TN XXXX SS XXXX DOB XXXX. I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. US DEPT OF ED / XXXX # XXXX, # XXXX accounts are reporting on XXXX, XXXX The was 30,60, 90 DAYS LATEsince requested assistance due to the pandemic. I found a few accounts that I have never done any business with these companies and the accounts do not belong on my report : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. 

I have some issues with the misspelling of my name, my correct spelling is XXXX XXXX. Please remove any other variation of my name they are not correct. The following addresses do not belong to me please delete them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: Mid-South Adjustment Co., Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have become aware - through a credit reporting agency - that Mid South Adjustments out of Arkansas is trying to collect a debt, ostensibly from someone named XXXX XXXX XXXX. I don't know these people and certainly don't owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2021, we received a letter purportedly from our mortgage institution, asking to confirm the Social Security Number associated with the account. 

Enclosed with the letter were two government forms : an XXXX from the Social Security Administration, which is an authorization to release SSN verification. This form was partially completed by the sender, who listed the " Company Name '' as JPMorgan Chase Bank, XXXX, and with the address XXXX XXXX XXXX, XXXX, OH XXXX. 

The second form was an XXXX XXXX Request for Taxpayer Identification Number and Certification. This form was left blank. 

The address on the cover letter, however, was in XXXX XXXX, TX, not XXXX, OH. 
Odd. The Cover Letter also offered a fax number one could send forms to ( XXXX ) XXXX. This address was : Chase, Mail XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, TX, XXXX. 

This whole thing stunk. We've never been asked before by a mortgage company for our SSN after the close. That's just weird. I called the phone number on my actual mortgage statement ( XXXX ) XXXX and Customer Service confirmed this was absolutely NOT from them. I hope other consumers are not fooled by this semi-official looking correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Fair collections and out is re-aging an old debt for the amount of XXXX. It is hurting my credit worthiness. It is stating that the account was opened on X/XX/12 and that is untrue, nor does this company have an active license to collect any debts in the state of Washington. This is an illegal practice and I would appreciate if it was deleted from all major credit bureaus immediately. I have called this company on XX/XX/XXXX and XX/XX/XXXX and they would not listen or try to resolve

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 2022-05-01
Company: EQUIFAX, INC.
State: LA
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, XXXX XXXX, a federally protected consumer, am filing this complaint against XXXX XXXX XXXX and there is no third party involved. I have sent out a letter as well to XXXX XXXX XXXX mailed certified XX/XX/XXXX. XXXX XXXX XXXX is in violation in regards to the information that is being furnished on my consumer report. I, the consumer, never gave XXXX XXXX XXXX any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiries from XXXX XXXX XXXX  are fraudulent. I did not initiate, authorize, benefit from, nor consent to the listed inquiries and I DEMAND they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. XXXX. XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These fraudulent items on my consumer report are preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If XXXX XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be removed from my consumer report within FOUR ( 4 ) DAYS! If my demands are not met, I WILL HOLD XXXX XXXX XXXX CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( 3 ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
My XXXX credit card account is not reporting on my XXXX and XXXX credit report. I have made numerous calls to please have this account report. This account is in excellent standing and last payment made was {$800.00}. Having positive information report will help my credit score. Its been months since I reported this account is not reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: LA
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:
Equifax and XXXX  are not investigating the negative account reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of this account and I have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following account as not in dispute, when in fact it is in dispute. The account is XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This item is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix this account however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
The Lender, Navient, has on multiple ocassions called distant and immediate family members and stated the purpose for their call. As per the law, they are not allowed to disclose any information that would indicate to the call recipient the nature of the call. This has not been the case. There for they are sharing my personal financial information with others. 

This has occurred several times during the month of XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: Experian Information Solutions Inc.
State: PA
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 consistently asked XXXX XXXX, Experien, and XXXX Credit Reporting Agencies, to remove in-validated inquiries off my credit report. I have asked them for proof of these remarks. XXXX XXXX has sent me two letters, which state that they " Do not investigate inquiries ''. This is in violation of the Fair Credit Reporting Act. I have the " Lawful Right '' according to FCRA [ 632 ( a ) ( 3 ), 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] to dispute/challenge any and all negative remarks on my credit reports. They  will not budge on my requests to investigate these claims.

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 2017-10-24
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:
I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your TransUnion. in accordance with the Fair Credit Reporting Act, 15 USC section 1681i. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act

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 2022-05-01
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I'm writing in a response to a recent debt verification request from me to XXXX XXXX  and credit bureaus. I requested debt verification for a signed agreement with original creditor and or agreement with XXXX XXXX XXXX XXXX that they have a legal right to collect the alleged debt. since over 60 days ago but no response until I file a complaint through cfpb. On XX/XX/2022 I received a letter in the mail showing just a billing statement and not any signed agreements or application from the original creditor or any agreement that I had signed a contract to pay XXXX XXXX XXXX if original debt is not paid. If this information can not be furnished in a timely manner pursuant to the fair credit reporting act, it must be deleted from my credit file immediately. Also attached is a letter requesting more detailed info from XXXX XXXX XXXX. Please send information I requested via usps to my mailing address. Lastly the account information that is furnished on my credit file is totally different from the statement i received from original creditor. This is misleading information and needs to be deleted from my credit file because this information was not furnished properly Thanks Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: EQUIFAX, INC.
State: PA
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 consistently asked XXXX XXXX, XXXX, and Equifax Credit Reporting Agencies, to remove in-validated inquiries off my credit report. I have asked them for proof of these remarks. XXXX XXXX has sent me two letters, which state that they " Do not investigate inquiries ''. This is in violation of the Fair Credit Reporting Act. I have the " Lawful Right '' according to FCRA [ 632 ( a ) ( 3 ), 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] to dispute/challenge any and all negative remarks on my credit reports. They will not budge on my requests to investigate these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Capital One reduced my credit limit on my personal account from XXXX to XXXX for no apparent reason. I have never missed a payment. Always pay the balance in full. I was only notified via an email of this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is trying to collect on an alleged debt that is reporting on my credit report by XXXX XXXX as a profit and loss writeoff but is showing a balance of {$2700.00}. I have requested debt Validation and it was not properly validated by XXXX XXXX XXXX. I also disputed with all 3 credit bureaus and it cameback as verified. However, when I requested Method of Verification I received nothing. I would like for XXXX XXXX and XXXX XXXX XXXX to stop trying to collect on this alleged debt and to remove it from my report and all 3 credit bureaus.

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 2021-06-26
Company: Experian Information Solutions Inc.
State: PA
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:
These companies XXXX, Experian, XXXX Fraud department said that the ideas will be removed over the phone nothing happens yet thank you for helping me with this important matter XXXX bless

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 2019-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Capital One 360 money market account, which had a bonus offer of $XXXX if you deposited $XXXX before XX/XX/2018. I satisfied those conditions, and was expecting to receive the bonus 60 days after the terms were met, per the terms of the bonus conditions. I never received the bonus, and upon calling them, they told me because I didn't leave the money there, I would not get the bonus. Nowhere in the terms does it state that I needed to leave the money there, no time frame on how long, etc. Simply that I must deposit $XXXX by XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Collections Acquisition Company, Inc.
State: KY
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:
ON XX/XX/2021 I CONTACTED PAYLIANCE THAT HAS REPORTED 2 FRAUDULENT ACCOUNTS ON MY CREDIT REPORT AS COLLECTIONS WHICH ARE NOT MINE. I HAVE DISPUTED WITH XXXX BUT THEY HAVE YET TO REMOVE FROM MY CREDIT REPORT. I HAVE SENT PAYLIANCE A LETTER AND MY IDENTITY THEFT REPORT OVER 2 MONTHS AGO AND I HAVE YET TO HEAR FROM THEM. THESE FRAUDULENT COLLECTION ACCOUNTS HAVE CAUSED ME SO MUCH GRIEF AND HAVE HINDERED ME FROM OBTAINING CREDIT. THESE FRAUDULENT ACCOUNTS NEED TO BE REMOVED. 
I LOOKED UP THIS COMPANY PAYLIANCE AND THEY HAVE SEVERAL COMPLAINTS WITH THE XXXX FOR ADDING THESE FRAUDULENT ACCOUNTS ON CONSUMERS CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
On XXXX XXXX, XXXX, I realized that my core checking account at Bank of America went into overdraft after being charged a $ 12 monthly maintenance fee. I then noticed I was charged the same $ 12 monthly maintenance fee on XXXX/XXXX/XXXX. I called BOA at XXXX to understand why I was charged a monthly maintenance fee and I was told that letters went out in XXXX XXXX that certain waivers would now be charged for this account if it fell below a daily balance of {$1500.00}. I requested that I be refunded the {$24.00} for the maintenance fees so that I could close out that account and that I did not receive the notice about the new fees. 

I was told by a supervisor by the name of XXXX, employee ID XXXX, that the fees charged would stand. I explained to her that I did not receive such notice and if I would have, I would have closed out the account at that time. Since BOA had a correct mailing address for me, she refused to waive the {$24.00} in maintenance fees. This account was opened on XXXX XXXX, XXXX and I have never received any monthly maintenance fees on this account at all until 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 monetary relief
Consumer complaint received 2017-07-02
Company: Receivable Management Group, Inc. (GA)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a medical bill in collections in the amount of {$200.00}. The company agreed that when contacted they will remove this from all my credit reports. I paid it on  XXXX / XXXX / 2017 . I am requesting to get it removed because I have paid it in full and starting the process to purchase a home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ACCORDANCEWITH FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY, 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS

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