BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried freezing my credit on XXXX17 at Equifax, XXXX, and XXXX  and systems were unavailable to process my requests for all three. I want Congress to begin regulating this industry IMMEDIATELY!! Clearly they do not have appropriate controls or processes in place. They make money selling our credit histories yet we get charged to freeze our own credit This is unacceptable and Congress needs to do something about it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Patient Accounting Service Center
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
received a letter dates XXXX/XXXX/XXXX an attempted to collect a debt send a request for validation of debt XXXX/XXXX/XXXX request ignored and received a second threatening letter for the same debt XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
I've filed multiple complaints with Experian and asked about this dispute multiple times ; they took longer than 30 days to give a resolution ; and stated that they forgot the dispute number and to just file again. Every time there is a resolution ; I call to find out why they decided one way and I never get any information. 

I was not notified of the student loans correctly and they sent information to an old address from my freshman year in college of the loan being due. This has adversely impacted my credit and I have not been able to get any information from Experian! 

- XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to two multi-layered scam operations run by by XXXX XXXX which involved me making deposits for a total amount of {$340000.00} USD from my Chase Bank account to fraudulent investment firm ( XXXX ). 

Date wired Amount Transaction XX/XX/2021 {$80000.00} Domestic Wire to XXXX XXXX XXXX XX/XX/2021 {$100000.00} International Wire to XXXX XXXX XXXX XX/XX/2021 {$75000.00} International Wire to XXXX XXXX XXXX XX/XX/2021 {$50000.00} International Wire to XXXX XXXX XXXX XX/XX/2021 {$30000.00} International Wire to XXXX XXXX  XXXX XXXX XX/XX/2021 {$10000.00} International Wire XXXX XXXX XXXX XXXX  Limited

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my Transunion credit report. I recently retrieved my credit report and it showed XXXX credit inquiries that I have no knowledge of ever authorizing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: CITIBANK, N.A.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
My surname is XXXX, and my given name is XXXX XXXX I am a federally protected consumer and natural person. I am filing this complaint in pursuit of a duty of due diligence that is required by me after recent payments and documents were or were not filed by CITIBANK N.A. Multiple complaints have been filed in reference to this account with CITIBANK, and with courtesy and good faith, I tendered the account in accord and satisfaction by use of an instrument. This instrument however, was unlawfully redeemed for a fraction of full satisfaction. 

On the date of XX/XX/2022, CITIBANK N.A. received a notice and an instrument tendered as full satisfaction of a debt on account number ending in XXXX ( EXHIBIT D ). The instrument numbered XXXX was redeemed according to the USPS tracking services ( EXHIBIT B ). Upon cashing of the instrument, CITIBANK N.A. also received a coupon signed by myself, accepted for full value of the claim ( EXHIBIT E ).

CITIBANK N.A. updated the account and I was notified of a {$20.00} tender made on XX/XX/2022 ( EXHIBIT A ). In lieu of the simple contract upon the negotiable instrument, there is to be payment for full value consideration and tender of of {$3900.00} UPON REDEEMING the instrument. Thus, leaving CITIBANK N.A. in breach of contract. 

I can only assume that the remainder on the account ending in XXXX is a billing error needing corrected by due diligence of the obligor. Assuming that the accepted coupon returned to CITIBANK N.A. in addition with the redeemed instrument were received as obligations and interest in the account was used to offset the balance. In good faith, I request CITIBANK N.A. to please clarify and correct the error at hand. Please refer to our contract that was accepted and redeemed by You in ( EXHIBIT C ). A Cease and Desist will be issued to you and through you until I am relieved of this debt.

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 2020-08-19
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:
I have sent several letters to XXXX/ XXXX  and Experian inquiring about information/accounts listed on my credit report that is inaccurate. I have asked for the account/information to be verified several times via the letters I sent. I also asked that they please send me copies of the documents that you have in their files as of my last letter that they used to verify the accuracy of the accounts on my credit report. 

They have continued to send me a response stating that the accounts/information was updated and verified but have not sent any supporting documentation. 

I did not ask for anything to be updated. I asked that the inaccurate accounts/information be verified.

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 2022-06-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had this Chase Sapphire credit card for more than four years, I never had a late payment and I always was a good customer. 
Just recently received a letter from Chase that theyre closing my account and they dont provide any information why and when I contacted customer service they said they cant say the reason due privacy concerns, they can not share the information and just dont want to do the business anymore .Ive paid annual fee for this credit card every year and now they just want to close it without providing any reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 XXXX 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 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 non-monetary relief
Consumer complaint received 2021-09-23
Company: Concord Servicing Corporation
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I signed up for a time share and I had been unable to use it every time that i went to use it due to blackout dates that weren't in the contract. I was still honoring the contract in good faith. However once the pandemic hit in XXXX of 2020 i had my XXXX  's taken from me due to no fault of my own. Due to this i was unable to continue to make the payments. Since that time the time share has continued to add maintenance fees on my account and interest payments. I am unable to pay at this point and it is becoming to much but in addition i don't believe the company has honored their contract in good faith. Can you please help me resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: EQUIFAX, INC.
State: WA
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:
XXXX XXXX credit card not receiving statement for month of XXXX 2017, which was paid within the 30 days and they are showing 30 days late negative on my credit reports. I have always been on time with my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
LOAN MODIFICATION STARTED XX/XX/XXXX I HAVE BEEN CONTACTING PHH MORTGAGE FOR AT LEAST 3-4 YEARS FOLLOWING UP ON A LOAN MODIFICATION. MONEY HAS BEEN SPENT ON NOTARIES AND CERTIFIED OVERNIGHT MAIL.. STILL NO APPROVAL AND YET AGAIN PHH MORTGAGE IS ASKING ME TO START THE PROCESS ALL OVER AGAIN. THIS MORTGAGE COMPANY IS VERY UNPROFESSIONAL AS WELL AS THE STAFF WHO WORKS THERE. I HAVE EMAILED REQUESTED DOCUMENTS AND SPOKEN WITH NUMEROUS STAFF MEMBERS AND IT SEEMS LIKE EVERYONE HAS AMNESIA WHEN I ASK IF MY DOCUMENTS WERE RECEIVED. HERE I'AM IN XXXX STILL NO RESOLUTION. UNBEKNOWNST TO ME NO ONE HAS YET TO REACH OUT AND ASSURE ME OF MY ACCOUNT STATUS. HOWEVER, WHEN I DO RECEIVE A PHONE CALL, ITS ONLY TO INFORM ME OF MISSING DOCUMENTS AND/OR EXPIRED DOCUMENTS RECEIVED. AS OF XX/XX/XXXX I FINALLY RECEIVED AN ACCEPTANCE LETTER STATING MY LOAN MODIFICATION WAS APPROVED. PAYMENT WAS MADE ON XX/XX/XXXX, LATER I RECEIVED A DENIAL LETTER FOR MISSING DOCUMENTS. REASONS BEING MY MIDDLE INITIAL WAS NOT WRITTEN ON THE NOTARY DOCUMENTS ''REALLY '' PHH MORTGAGE SENT THEIR OWN NOTARY TO MY PLACE OF EMPLOYMENT TO CORRECT THE LEGAL NAME. UNKNOWINGLY, THERE WAS A DEADLINE FOR THE DOCUMENTS TO BE RETURNED BY THEIR ASSIGNED NOTARY AND I'M TO BE HELD ACCOUNTABLE FOR DEADLINE. AS OF TODAY XX/XX/XXXX, I RECEIVED A PHONE CALL FROM PHH MORTGAGE STATED MY LOAN MODIFICATION WAS NOT ACCEPTED AND I NEEDED TO START THE PROCESS ALL OVER AGAIN. AFTER MAKING 3 ON-TIME PAYMENTS I WAS TOLD BY A SUPERVISOR THAT SOMEONE WILL REVIEW MY ACCOUNT AND REACH OUT TO ME. I'M DEALING WITH STRESS & XXXX BECAUSE OF THIS PROCESS AND NO ONE IS TAKING THE INITIATIVE TO RESOLVE MY ISSUE ; YET EVEN READ THE NOTES IN THE SYSTEM BEFORE CALLING ME. I HAVE A RELATION 'S MANAGER BUT SOMEHOW MY DOCUMENTS ARE STRANGELY DISAPPEARING. THIS IS BY FAR THE WORST MORTGAGE COMPANY I HAD EVER EXPERIENCED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have several disputes with Transunion XXXX XXXX. I have also called and tried to reason with the company by telephone. They are reporting incorrect information on 3 accounts : A loan from XXXX XXXXy is showing open with a {$4000.00} balance that is paid in full, a XXXX XXXX credit card that is closed and part of a chapter 13 payback plan is showing open, and a XXXX XXXX is showing I am over my credit limit when the balance is actually only {$55.00}. I have sent a copy of the loan documents stamped paid and a letter stating the loan is paid in full. I have provided a copy of my bank records and a printed receipt for the payment to XXXX for {$660.00}. I have also provided proof that the XXXX XXXX card is included in a chapter 13 and should not show it is open with an {$800.00} limit available. The refuse to acknowledge the XXXX account exists yet, it is clearly there on my credit report and say that they have to go by what the company tells them even if I provide proof of payment. They are completely uncooperative. They are reporting a XXXX XXXX XXXX while XXXX and XXXX are reporting XXXX and XXXX credit scores respectively. This is preventing me from buying a home. I have struggled with Transunion for more than a month trying to get these items reported correctly. I am a person who is being negatively effected by their lackadaisical attitude toward this matter. I need help and do not know where else to turn.

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 2022-06-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX Virginia. 
The property was infested with Rats, Roaches and Mice. 
The parking garage had cars set on fire nightly. 
2 women were XXXX in the parking garage. 
XXXX presented to me that the property was safe and clean. 
I stayed in the property from XX/XX/2018 and vacated by XX/XX/2018 I reported these issues to the leasing department Several times. They did nothing about it. 
Rats ran in the hallways, it was a horror story. 
I paid my rent and paid for the month of XXXX as advised by the leasing manager. He advised they would keep my security deposit and he would call the situation a wash.

The Manager lied to me and did not report my payment for XXXX. 
XXXX XXXX was the owner but they sold the building in XXXX to a company XXXX. 
Both XXXX and XXXX XXXXl have no record of my holding a dept as XXXX XXXX no longer owns the building. 

A debt collection company Fair Collections Outsourcing is fraudulently reporting to the credit bureaus that I owe this debt and I do not. I have never been contacted by Fair Collections via phone or in writing is falsely reporting that XXXX XXXXXXXX  still hold the debt and they do not. XXXX does not know who I am and does not have a record of my holding a debt. 

I was a XXXX resident at that time. 

Please assist me. These people are ruining my life with false reports 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 2018-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
By Certified Letter Return Receipt dated XX/XX/XXXX, I disputed these inaccurate entries on my TransUnion credit report : ( 1 ) XXXX XXXX XXXX, ( 2 ) XXXX  and this authorized inquiry ( XXXX XXXX XXXX XXXX XXXX XXXX ). 

This letter included my name, address, last 4 digits of my Social Security Number, a copy of the relevant pages of my TransUnion credit report and other documentation ( see below ). 

The letter and its enclosures are attached, along with return receipt for same. 

The enclosures demonstrate that neither the XXXX XXXX entry or the XXXX entry are accurate ; in the case of XXXX, I sent them a letter directly on XX/XX/XXXX, to the address listed on my credit report, asking them to verify the entry. They received this letter on XX/XX/XXXX and did not respond. Both the letter and return receipt are attached to the XX/XX/XXXX TransUnion letter enclosed with this complaint. 

On XX/XX/XXXX, TransUnion responded to my letter indicating that the XXXX entry was verified as belonging to me, disregarding my documentation. 

No response was received regarding the other two disputed tradelines. 

These are clear violations of my rights under the FCRA.

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 2017-09-13
Company: Experian Information Solutions Inc.
State: MO
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 with product or service terms changing

Complaint:
I am writing to express my outrage not just at the recent security breach at XXXX, but about the criminal situation in the credit bureau business as a whole. Why is there still no government oversight or regulation of an industry that controls the personal data of nearly every American without their choice or input?
Credit bureaus have been uncooperative players and effectively anti-consumer for years. Everyone has stories of how difficult it is to correct a credit report that has somehow become inaccurate. And once identity theft became an issue, they all have made billions by selling identity protection. In the wake of the security breach they have redoubled those profit making efforts at the expense of their own customers.
The situation ( at XXXX at least ) is evolving due to the public outcry, and they are now offering a free credit freeze, but only for 30 days! They are also exploring multi-bureau locks across the three major bureaus. Note that they never mentioned these services before the breach ; note also that there is an additional fee to unfreeze your credit report.
However, I have no doubt that the charges will return very quickly ( XXXX and Experian have not offered a free freeze at all, and XXXX doesnt even mention the price before your credit card is charged ), and the fees mount up rapidly. Prior to the recent data breach, freezing credit at all 3 bureaus using the product they recommend would cost approximately {$20.00} per month, per bureau, per person. There are no family discounts. Thats {$60.00} a month for protecting information it is their business to protect! That means that for my wife, my XXXX-year-old mother, and me fees would total {$2100.00} annually for full protection. 

Sound familiar? It should, because organized crime has run protection rackets for years, and the credit bureaus are in the same business. We have your information, well give you very limited access, your livelihood and credit rating depends on it, and, oh, by the way, if you want to keep that information really safe ( wink, wink ) that will be {$20.00} per month per person. Anywhere else, that situation would be called EXTORTION.

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 2021-07-24
Company: EQUIFAX, INC.
State: DC
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 have a collection for a utility that recently was added to my account. I have no idea what this collection is for so I disputed it. The dispute apparently came back as me owing the debt. I tried to call the phone number for the company listed as holding the collection account. The company name is XXXX XXXX. When I called the line it was some new company called XXXX and XXXX XXXX. They said they are located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX. The number I called was XXXX. When someone answered they said the company phone number had been changed and they are a new company offering me a {$100.00} voucher when I provide them some additional information. They said they would not give me the new number to find out about my debt unless I gave them this information. I said I did not want to sign up for anything and only wanted to speak with someone to find out more about my supposed debt. They kept saying the same thing over and over about how I had to give them my info and they would give me the new number after. When I threatened to call the consumer protection bureau she gave me a number and when I called it was a general XXXX info line. This account is being reported on my credit but I dont know what it is and there is no way for me to remedy or clear this from my credit report. It seems unconscionable and probably illegal to refuse to let someone even discuss a bill unless they sign up for more things.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an issue with the escrow account. I can not reach anyone at the servicing company. The phone tree does not allow a choice to speak to a person. I have left a number to call back on numerous occasions, but have never received a call back.

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