BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-05
Company: I.C. System, 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.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX {$4200.00} There are no contract, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

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 2017-05-22
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX   XXXX  2017  Someone hacked into my account both email and debit card with Chase bank. I told Chase and they cancelled my card gave me a provisional credit I thought would be end of it. I told them it was not made nor authorized by me. Recently Chase reclaimed the $ XXXX  saying something was delivered to my address. I never got anything.
This is their file on my bank account 

  XXXX   XXXX   , 2017  	   XXXX     XXXX  FL  XX/30 
  XXXX   XXXX  2017 	Reversal:  XXXX   XXXX  FL
  XXXX   XXXX   , 2017	Cl aim reversal:  XXXX   XXXX  FL

From  XX/XX/XXXX  to  XX/XX/XXXX  today I emailed on secure server. I give up with Chase.

Last

This I recently discovered.


Regarding the $  XXXX   fraudulent purchase not made by me in  XX/XX/XXXX , I have new info to share with you.

I can't give you any other proof, except today I discovered I was still infected from  XX/XX/XXXX .

Today I downloaded a program called   XXXX   XXXX  , but I was afraid to give my credit card info because of still being infected.

Instead I used the program to show me what registry keys were infected as well as two browsers. And I manually took out a total

of  XXXX  objects   XXXX   XXXX    detected. It took me over 5 hrs to do.

The things I was infected with all along are as follows 1]  XXXX  it says it disrupts pc operations, gathers sensitive info

2]   XXXX   it says it exploits vulnerability and security flaws malicious website and email downloading attachments to steal

your private info.  3]   XXXX   similar to # 2. 4] Malware.  XXXX   hijack browser and search results These 4 are severe category.

Next list are moderate severe 5]  XXXX  6]  XXXX .it search hijacks browsers. 

Now less severe category 7] Adware Helpers 411 infections.  More Adware programs 8] Adware.  XXXX   46 infections.

9]Adware.  XXXX   XXXX   XXXX  ,  10] Adware.  XXXX   11]Adware . XXXX  12] Adware. XXXX   XXXX  infections .

Please look up these things on google to verify they are what I say I removed.

At this point because of what I found today if you don't reverse the reversal charge I will be filing a complaint

against Chase with the cfpb.


And if you force me to do that I will also be looking for another bank sometime later this year.

I can not do business with anyone who insults my integrity and honesty.

This email was sent to 

To: " XXXX "  
Sent: Saturday,   XXXX   XXXX   , 2017   XXXX   XXXX 

Chase isn't listening to me. So I'm filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
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: Investigation took more than 30 days

Complaint:
It's been over 30 plus days in have not had a response. I sent out a letter to verify the Accuracy On my Credit Report but gotten no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted if not verified. They were unable to provide me with a copy of the supporting documentation as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/2020 I contacted the credit bureaus about an inaccurate credit account by the name of XXXX under XXXX XXXX XXXX in a amount of {$2600.00} which does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax BLATANTLY IGNORED MY REQUESTS that they are FRAUDULENTLY as a company reporting inaccurate information on my Credit Report. I 'VE REPEATEDLY MADE THEM AWARE THAT I AM A VICTIM OF IDENTITY THEFT because of IDENTITY THEFT from the US OFFICE OF PERSONNEL MANAGEMENT DATABASE BREACH, and sent them copies of my XXXX County Sheriff 's Office police report and my FTC Affidavit, and they have IGNORED my requests to block and remove simple information from my report for SIX STRAIGHT MONTHS!!! I 've talked with Managers, sent online disputes in addition, and spoken to managers and employees at Equifax who PROMISED TO HELP ME but live in XXXX and the XXXX and are NOT even on USA soil, and NOTHING is being done! I sent Equifax the FINAL NOTICE that they WILL be served by the XXXX COUNTY COURTS FOR NEGLIGENCE against the Fair Credit Reporting Act for things listed on my report that are NOT MINE. I have included letters being sent to the FEDERAL TRADE COMMISSION AND THE CONSUMER FINANCE PROTECTION BUREAU, AS WELL AS THE ATTORNEY GENERAL OF FLORIDA, WHICH HAVE BEEN NOTIFIED THAT EQUIFAX BLATANTLY IGNORED my requests for SIX STRAIGHT MONTHS! 

I will further remind Equifax that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), they may be liable for their willful noncompliance. 

THE FOLLOWING ARE NOT MY XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXXMY CORRECT LEGAL ADDRESS IS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX   XXXXMy CURRENT LEGAL EMPLOYER IS : XXXX XXXXPosition : CEO Location : XXXX XXXX , XXXX Employed since : XXXX XXXX - PRESENTTHESE ACCOUNTS ARE FRAUDULENTLY REPORTING : XXXX Acct # XXXX XXXX/XXXX/XXXX $ XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX $ XXXX XXXX XXXX XXXX Acct # XXXX XXXX/XXXX/XXXX {$260000.00}? XXXX and XXXX have both removed this from my report 5 months ago!!! Failure to respond within 30 days of receipt of that certified letter will result in small claims legal action against Equifax at my local venue. I will be seeking a minimum of {$10000.00} in damages for:1.Violation of the Fair Credit Reporting Act ( including but not limited to Section 623 ( a ) ( 8 ) ) 2.Violation of the Fair Credit Billing ActEquifax will be required to appear in a court venue local to me, in order to formally defend yourself.Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. XXXX  and XXXX  have both removed this from my report 5 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: DISCOVER BANK
State: MA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I saw a commercial for Discover.com It said you do n't need to have a Discover card to get your free credit score, just go to Discover.com and fill out an application. I did this, now they have all my information including social sec. # and I do not have my credit score. When I sent in the app. I got an OOPS response saying something went wrong. I sent them an E-mail telling them about this. I asked if this is a scam or what, you have all my info and I have no score. I even told them I was going to report them. I never got a response and it 's been about 4 days. Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Dovenmuehle Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Please see case # XXXX with Dovenmuehle Mortgage Company. Today I am complaining about excesses fees and no return of " bankrupcty fees '' I was released from from previous XXXX Mortgage - Please find attached letters ( 2 ) from XXXX. Additionally, I completely paid off the exagerated fees to get rid of Dovemnuehle and they have NOT forwarded my deed or additional documentation ending our business together. Find attached their last statement to me and the check that they cashed. I have a statement from the CLARIFY agency, where the inspections fees were asked to be verified by Dovenmuehle. They could not. This mortgage was current, paid every month, not on time, but current. Your assistance in securing my deed and any additional fees owed to me from these people is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: SUNRISE CREDIT SERVICES, INC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've received a call from Sunrise Credit Services that I owe XXXX XXXX XXXX something dollars from a XXXX Credit Card that 's financed by XXXX Bank. I called XXXX Bank and told them that I did not have and never applied for a credit card from XXXX. I never received any billing statement regarding the charges on the alleged XXXX credit card. I requested proof of this alleged credit card debt but they said all information have been forwarded to Sunrise Credit Services and that I should contact this credit service. I called Sunrise Credit Services and spoke to XXXX XXXX and requested for the proof of the alleged credit card debt. She said she will send it through mail and should reach me within one week. Two weeks passed and I did not receive any. I followed up and was able to spoke to an associate of XXXX and again requested the information of the alleged credit card debt again. The lady said XXXX never put a note/request from XXXX Bank to send the proof of debt to me. The lady said she will put a request from XXXX Bank before she could send the proof of alleged credit card debt to be sent to me. I told the lady that the XXXX Bank said all information regarding the alleged credit card debt is now in their hand that 's why I was told to contact them. The lady said she still need to request XXXX Bank before she could send the information to me. I asked how long it will take before I receive the information and the lady said she can not give me a time frame for it. I told the lady that I am filing a complaint against them for harassing me for a debt that I do not owe. The lady then tried to refer me to XXXX XXXX Account XXXX which, when I asked, is also under XXXX Bank. I told the lady that I do n't think I will get a fair treatment from this organization since they are also under XXXX Bank. I told the lady that I am filing a complaint against them before the Consumer Financial Protection Bureau instead.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: Convergent Resources, Inc.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collections letter from Convergent Outsourcing Inc. for a {$2000.00} debt to XXXX. I do not have a XXXX account and this letter appears to be a scam. The company has offered to settle my non existent debt for {$700.00}. This company address is listed in WA but the collections letter was mailed from XXXX MI.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have received no help from my services center ; nothing but lies, I asked for a forbearance during the disaster of hurricane Irma and was told I was on one : now I attempt to reach them for 2 weeks requesting a call back via IVR but no response To ask for an extension due to my home is still damage due to the impact This has been the most horrible experience I need help

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 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of Identity theft

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 2019-11-05
Company: JPMORGAN CHASE & CO.
State: FL
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:
On XX/XX/2019, I purchased a large refrigerator from XXXX XXXX for {$5800.00}. XXXX contracted with a company called XXXX to deliver the refrigerator and haul away the old one. On XX/XX/XXXX, delivery company was extremely careless and caused significant damage to the new fridge and my limestone floor. After a week of trying to work things out with XXXX/XXXX, they continued to give me the run around refusing to replace the refrigerator and repair the property damage. For more than a month I have been bounced between XXXX, XXXX, their insurance companies and insurance of their contractors. No one wants to accept responsibility. 

On XX/XX/XXXX, I contacted Chase to stop payment to XXXX XXXX. On XX/XX/XXXX I submitted all the supporting documentation, pictures and evidence of the damage in the fridge and my property. 

Chase refuse to perform their obligation under federal credit law of protecting my purchase and stop payment to XXXX XXXX. It is taking them more than three weeks to process my claim, not stop payment, just make the decision to stop payment. I called them numerous times and get faced with rude dispute representatives and supervisors who don't want to even put me in touch with the person who is looking into my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Experian Information Solutions Inc.
State: RI
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:
XXXX XXXX / XXXX XXXX charged off a balance of {$5400.00}. I made numerous contacts to both XXXX and Experian to notify them that this was a fraudulent charge. It was removed from my credit report for a time but then just reappeared as a charge-off. 

I originally opened this card for a 6-month no interest on a washer and dryer which was paid in full long before the fraudulent charge. 

XXXX XXXX claimed that statements were mailed to me. THEY WERE NOT. I BELIEVE MY ADDRESS WAS ALSO COMPROMISED FOR THIS CHARGE OR THE CROOK OPTED FOR PAPERLESS STATEMENTS. 

XXXX XXXX XXXX XXXX ending in 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 2020-04-05
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 information incorrect

Complaint:
My credit report indicates I have [ 22 ] accounts that are negatively impacting my credit score and immediately preventing me from obtaining a mortgage and credit. Each of the three credit bureaus is incorrectly reporting credit information deleterious to me for which damages may be sought. [ 11 ] OPEN ACCOUNTS have reported a current account of which, XXXX XXXX XXXX is incorrectly reported. XXXX/XXXX  XXXX is incorrectly reported. XXXX XXXX  XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. XXXX XXXX XXXX  XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is a double reporting tow separate balances, {$4200.00} and {$2700.00} and is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. The credit reporting agency is reporting the following unauthorized inquiries. XXXX  XXXX XXXX, Unauthorized and demand strict proof. XXXX  XXXX XXXX  Unauthorized and demand strict proof. XXXX XXXX XXXX  Unauthorized and demand strict proof. XXXX XXXX XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. The credit reporting agency is reporting the following incorrect PERSONAL INFO. XXXX XXXX XXXX. I have never applied for credit or ever been known by this name. I demand strict proof this was reported to the credit reporting agency. PERSONAL STATEMENT. The credit reporting agency will not update my personal statement with relevant and current information. I have asked that all prior personal statements be removed to avoid confusion. REMOVE THE CREDIT FREEZE ON MY ACCOUNT FROM XX/XX/2020 to XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: ALLY FINANCIAL 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:
In XX/XX/2019 Ally FINCL put a late payment of 60 days on my account. This was an auto bill pay issue and the bank recognized it on their end but failed to update my account back 100 % payment history. This also popped up on 2 other credit bureaus and has greatly lowered my score.

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 2015-10-23
Company: Mid-Atlantic Consumer Services
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Continue to get repeated automated calls from a local number of XXXX and leaving a message to call XXXX I 'm getting these calls at work, on my cell phone and my daughters cell phone. Person never leaves their name and/or company name. They state that if i do n't call them back they will contact my HR dept and once that has happened the process can not be reversed. Now getting what appears to be another message on my cell and work number stating they are going to prosecute me to the fullest of my states laws. Law states they have 5 day to send me a letter of intent to collect on a debt with a company name, phone number, and a valid address. I have not received any of this. After googling the phone number they requested i call back, I 'm finding many complaints by others. Several people reporting the company name of XXXX. XXXX the name and could n't fine anything on the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen Bank foreclosed on my home in California. I applied 48 times for a modification, via certified mail. I have been in the XXXX XXXX 24 years and I got out of the Military in XX/XX/XXXX. Ocwen is evicting me on XXXX XXXX XXXX. Can you please help me? I know they never processed any of my paperwork properly. They are taking advantage, I have nowhere to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
They said they could not remove anything from my 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