BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: IN
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:
In XXXX of XXXX, I reported to XXXX that an attempt to open a credit card account had been fraudlently attempted, after receiving a text from a credit card company saying my application had been approved, when I had not applied for any card. This fraud activity was proved and resolved, with removal of that credit card from my credit report. I placed an alert on my credit accounts after this, but I received no alert from any of the three credit agencies regarding these fraudulent addresses on my account in between XX/XX/XXXX and XX/XX/XXXX. I recieved word from a family member that they had experienced fraud in XX/XX/XXXX, so I checked my credit report again at this time, finding two addresses that are not associated with me. I reported to Experian on XX/XX/XXXX a dispute to my credit report that there exists two addresses on my credit report that I have never been associated with : these are a XXXX XXXX XXXX XXXX, XXXX XXXX, Indiana and XXXX XXXX XXXX, XXXX XXXX, Indiana. Experian did not agree that these were disputable addresses because I did not have a police report or FTC report to go along with the dispute.

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 2022-05-23
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have asked this debt collector to provide real signed documentation that i dentifies me as per a promissory note signed agreement, original application, evidence that I opened this fake account, terms and conditions in truth in lending discosures. signed sales receipts?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
HI could I please get your Capital One Bank card fraud written policies and procedures. I called the fraud number listed on your website and could not get the information sent to my address. I prefer to submit my FTC Fraud Affidavit by register return receipt USPS mail. This way I have proof I submitted to your company. Sorry but I have found when resolving issues with Fraud charges over the phone produces no records for the consumer and creates further challengesof proving the charges are being disputed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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:
I am writing to delete the following information on my credit file. The items I need deleted are listed below. All of these inquiries were unauthorized. 

Fraudulent Inquiries : Inquiry Name : XXXX XXXX XXXX Open Date : XX/XX/2022 Inquiry Name : XXXX XXXX XXXX Inquiry Open Date : XX/XX/2022 Inquiry Name : XXXX XXXX XXXX Open Date : XX/XX/20XXXX 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 non-monetary relief
Consumer complaint received 2022-08-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I sent a letter to to XXXX on XX/XX/XXXX and have not gotten a response in the letter i was stating that the information they were reporting on my credit report is incorrect the name on my credit profile is incorrect the CORRECT and only name i go by is XXXX XXXX any other spelling of my name should be removed and deleted also XXXX is reporting that my year of birth is XXXX this is completely WRONG, my correct Year of birth is XXXX Also there is an account reporting on my credit report from a companies named XXXX XXXX XXXX this account does not belong to me and needs to be deleted off my credit report, also any other address reporting on my credit report is inaccurate and needs to be removed the only accurate and up to date address that XXXX XXXX XXXX is and should be on my credit report is 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 non-monetary relief
Consumer complaint received 2020-09-26
Company: BSI Financial Holdings, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial mismanaged my 30 year fixed rate mortgage by mismanaging it as an interest only loan. They turned my home mortgage acccount into negative amortization as they began to withdraw from my homes equity. BSI stated they would correct the issue by XX/XX/2020, however, they did not. I wrote them via Qualified Written Request asking them to restore my account and my credit. I also requested they provide answer additional concerns as to how they planned to restore my escrow account. BSI has not properly restored my account. BSI Financial incorrectly deducted the funds not applied to my Principal Balance to the negative amortization balance of {$150000.00} which allowed them to keep the equity they errorneously took from my loans Principal Balance. When BSI financial assumed my home mortgage loan the Principal Balance was {$140000.00}, the {$23000.00} BSI failed to apply to the Principal Balance should have brought my Principal Balance to {$120000.00}. This needs to be corrected with an detailed explanation of their calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: BANK OF THE WEST
State: MN
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:
The bank I am complaining about is the Bank of the West. I started a balance transfer which has very high interest and fees to another credit card account with an amount of {$3900.00}. 
I was promised by the bank that the transfer will take XXXX weeks to be completed ; however, it has been over XXXX weeks and the bank is not responding to my disputes, emails, phone calls, online massaging. The bank also didn't refund the check, fees, and interest associated with the transaction. What is making things bad is that I am not able to reach out to anyone from the bank to resolve the issue.

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 2020-09-26
Company: Experian Information Solutions Inc.
State: TX
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:
Experian Credit Reporting Organization is reporting a closed account for XXXX XXXX XXXX with a balance of {$19000.00} and a monthly payment of {$650.00}. That account was closed XX/XX/2019 with a XXXX  balance.

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 2017-01-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I HAVE SEVERAL EMAILS AND IVE SENT THESE DOCUMENTS TO EQUIFAX ON PREVIOUS AND RECENT DISPUTES ABOUT THIS MATTER ABOUT XXXX ACC # XXXX REPORTING ON MY CREDIT BUREAU I PUT THIS COMPLAINT IN AND NOW EQUIFAX IS ASKING ME FOR A SS CARD OR BIRTH CERTIFICATE IVE ALREADY PROVIDED MY SS CARD TO YOU GUYS 6 TIMES ALREADY AND THE ACCT # XXXX IS NOT MY ACCT AND IVE ASKED XXXX TO VALIDATE THE DEBT AND THEY CANT VALIDATE THE DEBT TO ME BECAUSE ITS NOT MY ACCT BUT IM BEING HELD ACCOUNTABLE FOR THE DEBT FOR ADEBT ON MY CREDIT REPORT THAT EVERYONE IS REFUSING TO REMOVE UNLESS I PROVIDE DOCUMENTATION AND IVE SPOKE WITH THE CREDITOR AND EQUIFAX SEVERAL TIMES ABOUT THIS MATTER AND NO ONE IS HELPING ME RESOLVE THE ISSUE BUT SPINNING ME AROUND IN CIRCLES. IVE ASKED SEVERAL TIMES FOR DEBT TO BE VALIDATED AND XXXX SAYS IT CANT VALIDATE THE DEBT OR SEND ME PAPERWORK BECAUSE ITS NOT MY ACCT SO WHY IS IT STILL ON MY CREDIT REPORT AND SHOWING XXXX HAS VERIFIED THAT THE DEBT IS MINE BUT WHEN I CALL ITS SOMETHING ELSE AND I FEEL ITS A VIOLATION OF MY RIGHTS AS A CONSUMER FOR ME BEING PENALIZED AS A CONSUMER FOR A DEBT THATS NOT MINE AND HAS NOT BEEN REMOVED FROM MY CREDIT REPORT. SO I HAVE NO CHOICE BUT TO FILE A LAWSUIT AGAINST XXXX AND EQUIFAX FOR VIOLATING MY RIGHTS AS A CONSUMER AND RETAIN A LAWYER IMMEDIATELY TO HANDLE THIS MATTER IN LOCAL OR FEDERAL COURT. WILL FILE LAWSUIT TODAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IC Systems Inc has reported an alleged debt on my credit report that I do not owe them. This debt is hereby disputed and I request validation and proof of claim within 30 days. Per the FDCPA the selling of debt is illegal and I am refusing to pay this alleged debt. I am requesting cease and desist of any negative further credit reporting. Please see the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: IL
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 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 2016-03-02
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I have been pursuing a short sale on a house we own. The interest-only period adjusted on our property, and we can no longer afford the mortgage. The value of the house has depreciated to the point that it is not worth near what we owe on the house. We started the process in XXXX XXXX. We have a buyer who is willing to pay the full amount our real estate representatives calculated was a fair market price. After having all the paperwork together and all financing prepared by buyer, the mortgage changed hands from XXXX to SLS. After resubmitting everything and being very diligent with the paperwork, the closing date was moved three more times by SLS because they were not ready. This caused my buyer to re-secure financing because her original agreement expired. More inspections and appraisals followed until everything was ready by the buyer and, we assumed, SLS. On Monday, XXXX XXXX, XXXX, SLS informed me that my short sale had been rejected by the PMI provider. My real estate attourneys informed me that I needed to file an appeal. I contacted the PMI provider, XXXX XXXX, and they informed me that they did not reject the short sale, they actually accepted it with an {$8200.00} promissary. I contacted SLS about this and they did not have any record of this on file. After contacting XXXX again, and talking to another representative, they confirmed that they talked to an SLS rep named XXXX XXXX and told her that they accepted the offer with the {$8200.00} promissary. Rather than recording this offer, SLS closed out my short sale file Monday morning. This is not acting in my best interest. I would have been very receptive to this offer rather than having to start the whole short sale process over again. My buyer has been waiting around for over 8 months now, and I am in danger of them just walking away. This would result in me probably losing the house to foreclosure. At this point, we are desperate for help. SLS is not doing what the government says the lenders should to provide foreclosure alternatives to us homeowners. They had a good offer that they refused to notify me about.

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 2017-11-24
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Following Agency is not bonded in FL and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed. 

Commonwealth Financial XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 A. SECTION I. I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SEC 604 A.SECTION 2. STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 



XXXX XXXX XXXX XX/XX/XXXX {$940.00} XXXX XXXX XXXX XX/XX/XXXX {$960.00} XXXX XXXX  XX/XX/XXXX {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for Chase IHG card. I was turned down. I called for reconsideration twice. The same person handled my call. I was turned down for nonsense reasons. I felt that I was being discriminated against by that agent. I applied for a similar card at XXXX and was instantly approved. Which proves to me that Chase was just discriminating! Please be aware that I have been a customer of Chase for 43 years. They have my 1st and 2nd mortgages, checking account and credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified " that I have disputed. Please resolve this matter as soon as possible. 
Thank you.

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 2016-08-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. I am a XXXX and under Public Records Law no agency may divulge my personal information for commercial use. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting letters from Midland Credit Management for debts that ARE NOT mine. How do I get them to stop harassing me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX Student Loan From what my account is showing is that interest should be accrued at a variable rate of 7.42 %. I have realized that interest is actually being accrued daily at a rate of 7.43 %. 

I have had an accountant look at the loan and the accrued interest is not what they are tell me the rate is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: First Data Corporation
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There 's INFLATION & there 's DEPRECIATION! Systems like XXXX XXXX XXXX XXXX XXXX XXXX XXXX S DEPRECIATED in value! I 'm not paying more than {$170.00} for USED VALUE to get my account REINSTATED with XXXX! They can keep with NO EXPIRATION DATE XXXX Store Card ( XXXX 's Credit Card ) with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: DISCOVER BANK
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:
I initiated a cash transfer to my XXXX XXXX XXXX XXXX ( XXXX ) Visa Account for {$8200.00} on XXXX XXXX from my Discover Credit Card. 
XXXX had not received the payment as XX/XX/2022, and the balance of {$8200.00} was showing on both cards. 
I called Discover and XXXX in a XXXX way call. XXXX asked Discover to provide them with a trace ID as this was an electronic payment from Discover to XXXX. Discover was unable to provide me or XXXX with any proof of payment. Discover failed to connect me with a supervisor who could resolve the problem. 
Discover refused to remove the disputed charge from my credit card so I am now paying interest on both Discover and XXXX for this charge. It also affects my credit score. 
The Discover case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: DISCOVER BANK
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Discover Bank checking account using promo code : XXXX to receive a {$300.00} bonus. I fulfilled all the requirements outlined in the fine print and Discover said it was a target promo only open to a few people. It did not state this anywhere on the promo page when signing up for the promotion. I was already a Discover credit card member and it allowed me to apply the promo to my account. Here is the fine print of the deal which I completed every aspect including the direct deposits needed and I am a current Discover credit cardmember. 

" Open to current Discover credit cardmembers or deposit customers, excluding current or previous CashBack Checking customers. Account is subject to approval. To receive {$300.00} bonus : 1 ) account must be opened between XX/XX/XXXX-XX/XX/XXXX using offer code XXXX ; and 2 ) at least XXXX Direct Deposits of {$250.00} or more must be received within 90 days of account funding. Direct Deposit transactions are limited to : payroll, Social Security, pension, and government benefits. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Account must be open when bonus is issued. Limit XXXX per customer per account. Bonus is considered interest and will be reported in IRS Form XXXX. Offer may be modified/withdrawn without notice. " In XXXX message I had a representative confirm I will be getting the bonus on XX/XX/XXXX. After the day past I inquired again about the bonus and another rep told me I will no longer be getting the bonus.

Company response to consumer: Closed with monetary relief