BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Consumer victim of Experian data breach and cyber security attack ; that cause the misappropriation of my good name, identity or suffer from or experiencing now ( Identity theft/fraud ) between XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX Experian General Counsel sent to consumer via email an admonition due to there data breach and cyber security attack ; cause him to suffer from or experiencing now ( Identity theft/fraud ). Consumer provided a copy of the civil judgment previously reported to third party and other fraudulent activities were made public record on his Experian Credit Report during or between XX/XX/XXXX and XX/XX/XXXX. 

The attach order for release of satisfaction is proof my Confidential and Personal Information was compromised supports and  substantiates XXXX and XXXX accounts are fraudulent having met criterion for Mediation program. 

Experian Marketing of its False Credit Scores to Consumers As direct result, cause of Experian Financial Services ; Experian Holdings ; Experian Information Systems , Inc ( EIS ) and dba Experian Consumer Services ( ECS ) arbitrary or capricious decision ( s ) to  make or having made full disclosure or public record of ( 1 )  erroneous credit scores about the consumer were offered or provided to the banking industry, mortgage lenders and/or potential employers presented an inaccurate image of my credit worthiness that violated or in violation of Section 1036 ( a ) ( 1 ) of the CFPA prohibits unfair, deceptive or abusive acts or practices 12 U.S.C. 5536 ( a ) ( 1 ( b ) ( 2 ) such misrepresentations as described in above paragraph were false and misleading that constituted deceptive acts or practices in violation of section 1031 ( a ) ; 1036 ( a ) ( 1 ) ( b ) of the CPA. 125531 ( a ) 5536 ( a ) ( 1 ( b ). 

( 3 ) such false reporting of trade lines, ( fraudulent activities ) ; credit scores and civil judgment to said third party debt collection agency ( GCS Limited Partnership ) violated or in violation of Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), Standards for Safeguarding Customer Information ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of the Gramm-Leach-Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804 and Section 19831985 for injunctive relief, restitution and any other relief having violated FTC Act pursuant to 15 U.S.C. 45 ( a ) and Safeguards Rule 16 C.F.R. Part 314 to date

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 2015-09-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have items listed on credit report and they are not mine. They also list a State of Missouri child support and the information they report is incorrect and false ( example I only owe {$10000.00} and they say XXXX and no payment history which record from state attached shows the report is wrong ). I do have a mortage, I do not retail cards, and other loans they list.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
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:
In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2016-02-15
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Tried to log on to seterus.com to make a payment, multiple times. Each time I received an error message that directed me back to the main page. Attempted to make a payment via the telephone service. Made it part way through the service and received a recording stating that they were having technical problems and was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Continental Finance Company, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2022, I paid off my account balance in full and requested for my card to be closed. On XX/XX/2022, Continental Finance assessed the monthly service fee. On XX/XX/XXXX, Continental Finance assessed the annual fee. On XX/XX/2022, Continental Finance sent billing statement stating that the card was not closed, and that the fees were assessed. On XX/XX/2022, I reached out to the company to no avail with no resolution.

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 2019-12-02
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a checking and savings account on XX/XX/2019 at JPMorgan Chase Bank of North America. I deposited funds into the account, I received documentation, starter checks and all other account performance privileges. I informed the banker opening the account of my previous balance with Chase Bank and asked if there were anything on my consumer report that would preclude me from opening a checking and a savings account. The banker advised me that I passed all metrics to open the account and that I was qualified. 

On XX/XX/2019 I attempted to make a deposit at the local branch and was advised that my account was being closed. 

The banker did not have a reason but did advise me that my account was being closed. 

This resulted in me not being able to access my personal funds, pay bills and transact business. 

I was never advised of any adverse actions in writing by Chase Bank. 

Banks should disclose to consumers if they are eligible for an account prior to opening a account. Consumers rely on banks to be honest and forth coming and to not engage in any unscrupulous or unlawful practices. 

I believe that Chase Bank is engaged in deliberate, defined actions against low income, minority consumers and I am calling for an investigation into their business practices. I do not want other consumers to be subject this type of treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
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:
On XX/XX/2022 I submitted a complaint to the CFPB about Equifax manipulating my credit score and causing my score to drop XXXX points. What caused my score to drop XXXX points was Equifax falsifying information on an account that is included in a bankruptcy showing it with 4 late payments and being delinquent, all violating the automatic stay. On XX/XX/2022 Equifax responded with an Erroneous, False and Misleading response, all evidenced by my attachments. Count 1. I never disputed a bankruptcy. Count 2. Equifax claims to be disputing my complaint, their own records show there is no open dispute. Count 3. Equifax is preventing me from further disputing the account in question. Count 4. The account in question is showing 4 late payments and other false information on an account included in a bankruptcy. EQUIFAX IS IN VIOLATION OF THE FCRA 15 USC1681 AND 623 ( a ) ( 1 ) ( A ) AND 623 ( a ) ( 1 ) ( A ). NOW IS NOT THE TIME TO UPDATE THIS ACCOUNT, I DEMAND THE FOLLOWING ACCOUNT BE REMOVED : ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Experian Information Solutions 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 information incorrect

Complaint:
I called and requested and settlement amount of {$650.00} which was accepted. I paid the amount and was given a receipt and was told it would be taken care of. They did not zero the balance out as I was told but have a balance reporting of {$420.00}

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 2017-10-04
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX accounts for {$160.00}, {$88.00}, and {$140.00} and date of service was XXXX. Accounts were written off due to billing insurance company beyond billings limits on XXXX. All XXXX accounts were referred back to original creditor from collection agency on XXXX/XXXX/XXXX. I contacted collection agency but they refuse to close account and remove from my credit report to reflect the correct reporting. I would like accounts deleted asap because I do n't owe and this account been closed out since XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am a victim of IDENTITY THEFT. I have notified the XXXX CA. PD on XXXX XXXX XXXX. XXXX Investigator in Fraud Dept deemed the account as Fraudulent with Identity Theft. I TOLD Equifax in XXXX XXXX -- 8 MOS. AGO THAT THE HARD INQUIRIES FROM XXXX AND COLLECTIONS ACCOUNT WAS FRAUD! I am reporting Equifax to CFPB govt office for not properly verifying ANY FRAUDULENT activity despite my several DISPUTES! Equifax kept saying " the account has been verified ''. If a thief has my SS, name and Date of Birth, of course that fraud is going to be 'verified '. BUT when I told the CB that I DID NOT own or have an account with XXXX, Equifax insisted the account was MINE and LEFT THAT ON MY CR wrongfully! Now I need to buy a car and I CAN NOT because those criminals also used my identity to do several other fraudulent activities, which Equifax may have helped me catch that but instead also left on my reports! I am angry because Equifax DOES NOT VERIFY ANYTHING despite what they say! I now am suffering the consequences and can not buy a car I so desperately need. DO SOMETHING CFPB you are the govt offices that can impose fines for reckless credit bureau reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, 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:
I asked for verification that the reporting info was correct and they did not properly do so. I have misleading info on my report and my info is being misused since it is inaccurate! They stated everything was accurate and I found inaccuracies myself! They have to follow FCRA and according to that these accounts violated the law Alleged Data Provider, Alleged Account number, Alleged Adverse or Derogatory claim : XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$4900.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$3000.00}, Payment : {$34.00}, Issue : Late 180 Days XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$2100.00}, Payment : {$39.00}, Issue : Late 120 Days XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$2500.00}, Date : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$1400.00}, Payment : {$15.00}, Issue : Late 180 Days XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$4900.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$3000.00}, Payment : {$34.00}, Issue : Late 120 Days XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount XXXX {$2100.00}, Payment : {$39.00}, Issue : Late 120 Days XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$2500.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$1400.00}, Payment : {$15.00}, Issue : Late 120 Days XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$4900.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$3000.00}, Payment : {$34.00}, Issue : Late 120 Days XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$2500.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$1400.00}, Payment : {$15.00}, Issue : Late 120 Days XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$640.00}, Payment : XXXX XXXX XXXX XXXX : Collection/Chargeoff I have just learned that USC 15 1681 602 A states I have the right to privacy I wasn't ever given the notice of the right to opt out and given instructions! The credit bureaus are violating my rights and the law! I am demanding that these items be removed immedialty!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Commonwealth Financial Systems, 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 currently have four debts showing in my XXXX Credit Report. All which have been addressed. I have called the creditors on them and the creditors have advised the following : Commonweath Financial Systems ( CFSI ) - Balance {$210.00} CFSI has advised that the account does not belong to me. That this is for an individual with the same name and same prior address which indicates that it may belong to a parent because we have the same name. They have advised that this has been reported to the credit bureau. I 've submitted multiple disputes to XXXX and this continues to be in my credit report. 

Commonweath Financial Systems ( CFSI ) - Balance {$330.00} Same as above XXXX XXXX XXXX - Balance {$190.00} I 've taken the same action as noted above with CFSI and concluded in the same with XXXX. Again I 've submitted multiple disputes and this continues to be in my credit report with XXXX. XXXX XXXX has also advised that they have reported to XXXX of the same. 

Commonweath Financial Systems ( CFSI ) - Balance {$330.00} Same as noted above for the previous two CFSI records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Consumer victim of XXXX data breach and cyber security attack ; that cause him to suffer from or experiencing now ( Identity theft/fraud ). The identity theft/fraud occurred between XX/XX/XXXX and XX/XX/XXXX. AMEX admits to data breach from employee having committed fraud in XXXX. 
On XX/XX/XXXX XXXX General Counsel sent to consumer via email an admonition due to there data breach and cyber security attack ; cause him to suffer from or experiencing now ( Identity theft/fraud ). Consumer provided a copy of the civil judgment previously reported to third party and other fraudulent activities were made public record on his XXXX  Credit Report to date. The documents are proof my Confidential and Personal Information was compromised by AMEX employee having committed fraud. As direct result of XXXX   XXXX XXXX ; XXXX  XXXX ; XXXX XXXX XXXX , XXXX ( XXXX ) and dba XXXX  XXXX XXXX ( XXXX  ) and AMEX arbitrary or capricious decision ( s ) to make or having made full disclosure or public record of ( 1 ) erroneous credit scores and false reporting of AMEX accounts about consumer presented an inaccurate image of my credit worthiness that violated or in violation of Section 1036 ( a ) ( 1 ) of the CFPA prohibits unfair, deceptive or abusive acts or practices 12 U.S.C. 5536 ( a ) ( 1 ( b ). Such misrepresentations as described in above paragraph were false and misleading constitute deceptive acts or practices in violation of section 1031 ( a ) ; 1036 ( a ) ( 1 ) ( b ) of the CPA. 125531 ( a ) 5536 ( a ) ( 1 ( b ). As direct result of such false reporting of trade lines, ( fraudulent  activities ) to said third party debt collection agency ( GCS Limited Partnership ) violated or in violation of Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), Standards for Safeguarding Customer Information ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of the Gramm-Leach-Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804 and Section 19831985 for injunctive relief, restitution and any other relief having violated FTC Act pursuant to 15 U.S.C. 45 ( a ) and Safeguards Rule 16 C.F.R. Part 314 to date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Good morning. I 'm trying to settle my home loan with Ditech. My home has been listed on the market for over a year. I finally found a buyer who is offering {$18000.00} CASH to purchase the home. It 's a mobile home in a park. Unfortunately, I 'm underwater on my loan. I owe {$29000.00} and have been paying on the loan for 17 YEARS and am current on the loan. I just want to sell it and get out of the mobile home park. At first, Ditech told me to do a short sale application, which I did. That was denied because they do n't do short sales on mobile homes in parks. That was run-around # 1. So I was instructed by Ditech to do a settlement letter, simply saying I request Ditech accept {$17000.00} as full settlement. I completed the settlement letter as instructed. I wait only to be told shortly later that the settlement was denied because they want more money and that my settlement letter provided no details. Run-around # 2. I told them their rep said to provide no additional information, only that I was requesting settlement. Too bad, Ditech said. So my buyer increased her offer to {$18000.00} cash and I resubmit the settlement letter with the higher amount plus the additional info I was asked to provide, i.e., why am I moving/selling the home, when will they get the money ... So I submit the offer and wait again. Throughout this process, I 'm told the hierarchy of Ditech, which seems to morph each time so I 'm never really sure how the application is being reviewed. I 'm also told by different reps that my settlement will be accepted because they 've accepted other settlements on accounts owing more with greater deficiencies for loans that have been owned for less time. I called yesterday ( XX/XX/2017 ) to check on the status and was told the settlement was denied again. No reason is provided other than they are n't obligated to accept any amount less than what is owed. This time I 'm told to file an appeal ( why was n't I told about this appeal process before? ). Meet run-around # 3. Again, no guidance, just submit another letter and caption it " appealing denial ''. I faxed the appeal letter yesterday. Clearly, I 'm being strung along and will most likely lose my one and only buyer. Any assistance and guidance you can provide will be appreciated. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Consumer Recovery Solutions, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was called on XX/XX/XXXX by a gentleman representing himself as working for a 3rd party collection agency called XXXX. Upon talking to him he of let me know his name was XXXX XXXX and he had taken over a debt that I owed to a creditor. He claimed that I old a creditor over an even higher cost named XXXX XXXX whom I have never heard of. He began to tell me that the original amount that was taken out was one amount but somehow because the interest rate doubled I now owed them roughly an even larger amount due. Again I have no idea who this collection agency is nor I have I received any information any correspondence and/or any form of validation to who they are. 

Upon talking to the gentleman also he began to keep up conversation with me regarding this debt that I owed stating that if it was not paid that he/ would move forward or his company would move forward in litigation in order to obtain the funds to eliminate the debt owed to a company called XXXX XXXX. Additionally he also informed me that if I did not agree to pay the said amount the company would move forward and sue me for the amount owed. 

During our conversation on the phone the gentleman named XXXX XXXX continued a conversation with me outside of the realm of the conversation regarding the debt. He continued to discuss with me information that was irrelevant to the debt himself. He then returned to his communication with regard to the consequences that could be done to me if I did not pay the amount of the debt due. 

I have attached our phone conversation to this claim. He also failed to inform me that he was a debt collector and that his call was an attempt to collect monies owed. He threatened me with litigation for a debt that I did not owe. He also informed me that he would send me copies of all of my documentation regarding this issue. It has been a week and a half and I still have yet to receive any form of documentation that would establish any agreement with the company he claims. 

He completely lied about everything that he said and caused me to have XXXX XXXX and XXXX  and XXXX XXXX because he has called over 15 times. He also said that he was located in XXXX New York, however, nowhere on the internet search does it show that this company has offices outside of California or Florida. 

Please help me to find out who this is. He had my personal information such as my date of birth, last 4 of my social security number, my address and the my occupation which can be found on my credit report. 

This is out right fraudulent financial activities. Please investigate this company.

Company response to consumer: Untimely response