BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-10
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
LVNV FUNDING LLC added a derogatory mark on my credit report per XXXX XXXX stating that I owe a current account balance of {$1000.00}. That is incorrect because that is not my account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contact, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and claim its mine. According to the FCRA, LVNV FUNDING LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: VA
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 : Account # XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Account # XXXX XXXX  has violated my rights. 
Account # XXXX XXXX XXXX  has violated my rights. 
Account # XXXX XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # XXXX XXXX has violated my rights. 
Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complanit is Ditech Financial about my mortgage payments. In XX/XX/XXXX I file a chapter XXXX at that time my mortgage was current in XX/XX/XXXX. After that my mortgage payment were applied to the company for post payments. In the process I sent in multiple payments to stay ahead. My regular house note is {$440.00} sometimes my mortgage be {$440.00}. I asked why my mortgage change, they replied that I had to pay for multiple inspection. After that Ditech sold the mortgage to XXXX XXXX XXXX. I contacted the new mortgage company which were XXXX XXXX  in XX/XX/XXXX to check on payments, at that time XXXX XXXX  said my mortgage was current. I were told they were waiting on Ditech to forward the payments over to them. Which XXXX said it was taking longer than expected. I call the mortgage company back to see had Ditech post the payments to the account. XXXX rep said the payments were applied. Ditech told XXXX that the last time a payment was make it was XX/XX/XXXX. At that time I knew that was incorrect, I call Ditech to see what happen to the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments.I was informed by Ditech rep they see the payments but {$1000.00} went to legal fees and there were other advance payments made from my mortgage payments. I were never told about any advance payments until I check with Ditech about the missing payments. My mortgage is behind due to Ditech applied funds to their advance accounts without my knowledge. They charge my account late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Fidelity National Information Services, Inc. (FNIS)
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:
HELLO MY NAME IS XXXX XXXX XXXXXXXX XXXX XXXXXXXX, I AM MAKING THIS COMPLAINT BECAUSE IN MY CHEX SISTEM REPORT IT APPEARS THAT I HAD A CHECKING AND SAVINGS ACCOUNT WITH MULTIPLE BANKS. BUT I DON'T RECOGNIZE THOSE ACCOUNTS OR THE BANKS, SOMEONE ELSE STOLE MY ID AND PERSONAL INFORMATION TO OPEN ACCOUNTS FRAUDULENTLY, I MADE AN IDENTITY THEFT REPORT TO SEND IT TO YOU AS PROOF THAT I AM A VICTIM OF IDENTITY THEFT PLEASE DELETE THESE ACCOUNTS OF MY REPORT, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX XXXX. I NEVER HAD AN ACCOUNT WITH THESE BANKS..

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : 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 2017-06-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Trans Union seems to be under the impression it is okay to place remarks on every account ever disputed on a credit report no matter when or how long ago, and leave the comment on each account even after an investigation is over ; even if the investigation resulted in changes in the consumers favor ; which is entirely unnecessary and should be against the law. After multiple attempts to have these remarks removed from 3 separate accounts with Trans Union, they continue to list the accounts as " ACCT INFO DISPUTED BY CONSUMR '' and " DISP INVG COMP-RPT BY GRNTR '' I have called to have these remarks removed and submitted 3 separate requests via their electronic dispute wizard to please " remove the remarks on these accounts, they are no longer in dispute '' The results to their " investigation '' for each account was that the DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED. Which basically means nothing because ultimately the remarks are still listed on each account. This problem only exists with Trans Union and each credit reporting agency has different methods of resolving this type of issue and Trans Union seems to not follow any type of standard of expedited process to resolve this small and simple issue related to credit 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 non-monetary relief
Consumer complaint received 2019-12-03
Company: Prosper Marketplace, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Repeated loan offers that havent existed for people of XXXX like me for over 10 years of trying.

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 2022-09-14
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I transferred funds and they froze my account. Never told me why. Now they are shutting my account down and they said that it will take up to 180 days to get my funds back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This complaint is about my credit score. The two companies are Transunion and XXXX. I have established and maintained outstanding credit for over 30 years. I 've paid off 8 houses ; bought and paid for several vehicles, appliances. Credit card usage is only 7 %. Otherwise, no problems except one. I have and outstanding collection in the amount of {$250.00}. By the way the collection is in dispute. Currently my credit scores are XXXX and XXXX respectively. As you are well aware, these scores are rated fair at best. Also, any loan available to me are at a much elevated interest rate. I spoke to one of the companies today. I voiced my concerns. Number one, the person on the phone was unquilified and unable to help me get to the bottom of my complaint. Number two, I asked to speak to a supervisor but was refused. The refusal, I bilieve, was because the person on the other end of the phne was sitting in a call center in XXXX. The crux of my complaint is agencies that collect and report all my financial activity assigns a score that is religiously used by lending institutions. The methodology they use is unregulated and subjective. It suppose to represent an individuals tendency to repay. my track record is stellar. Yet, with a minor deviation I am placed in a high risk pool. Somebody needs to fix this.

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 2018-05-31
Company: AmeriHome Mortgage Company, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX - I had inadvertenly paid the county treasurer for my property taxes in the amount of XXXX. Since, I was an new homeowner, I wasn't aware that the escrow account would cover that amount, so an overpayment was made. The county had issued an refund and instead of sending me the money, they sent it to the escrow account and amerihome. I had requested in XX/XX/XXXX that this money be refunded to me, and it has been an nightmare of wrong answers by Amerihome. From XX/XX/XXXX they have consistently kept telling me every 7-10 business days and I would have the refund. Finally at the end of XX/XX/XXXX I started to keep an log of names and dates. On XX/XX/XXXX, I was told by an representative at Amerihome that it would be 7-10 days. On XX/XX/XXXX, I spoke with an XXXX, who informed me that the check would be delivered by XX/XX/XXXX via XXXX. On XX/XX/XXXX, there was no XXXX   package, so I called and spoke with XXXX. She told me that the check wasn't issued and it would be XX/XX/XXXX. I also spoke with an XXXX ( supervisor - emp # XXXX ), and he confirmed that the check would be mailed out and to me within 7-10 days. I called on XX/XX/XXXX, spoke with an supervisor named XXXX ( supervisor - emp # XXXX  ), and he said the check was held up and released on XX/XX/XXXX, do to an internal audit. He had told me this would now be 7-10 days from the XX/XX/XXXX date. I am getting some serious misinformation and would really like an investigator to loge an inquiry of the call logs for this request. Please help, I seem to be getting no where with Amerihome.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Convergent Resources, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The company has violated many of my consumer rights. Pursuant to 15usc 1681 ( 2 ) sharing my information without my direct consent, 15usc 1692 ( e ) false or misleading representation. Reporting n my credit profile that the debt I do not owe was sent to an attorney. 15usc 1692 ( f ) unfair practices,15usc 1692 ( c ) the company never validated any 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 2022-04-05
Company: ASSOCIATED BANC-CORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/21 I reported fraudulent charges on my account and shut down my card. I reported the charges within 24hrs of noticing. I was given provisional credit and they investigated the claim. They said the charges were not fraudulent even though they were. I am covered my XXXX XXXX liability policy. I did everything I was supposed to do to report the fraud. They reversed my provisional credit and said I was liable. This is in breach of XXXX  XXXX liability policy and I will not be held liable for purchases I didnt make.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
XXXX bank FCRA violations not mine ChexSystems

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 2022-09-14
Company: A & O Recovery Solutions, LLC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A man who's name is XXXX XXXX, works for CCI, has contacted me twice regarding past due amount on a decedent that I had medical power of attorney a year prior to her death. Four months before she died, her daughter, being her living next of kin, took over the medical power of attorney. She passed at the end of XXXX last year and the nursing home she was in charged her for the entire month of XXXX ( she doesn't owe for XXXX because she wasn't alive ). No one was appointed through court documents as her executor through the state. I tried explaining all of this to XXXX XXXX and he stated he did not care about the laws where I'm from that the amount is owed. I informed him that medical power of attorney expires when a person has passed away and that medical power of attorney has nothing to do with financial. He stated he did not care that the money is owed. He also talked overtop of me, I tried to call back to ask for a supervisor and he answered the phone and said are you done, you haven't had enough. I have spoke to a lawyer regarding this harrassment. XXXX XXXX is very unprofessional and should not be talking to people like this! I have blocked their number and XXXX still finds a way to call from different numbers.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-14
Company: CITIBANK, N.A.
State: UT
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:
I was purchasing a XXXX XXXX XXXX through popular science. During checkout, I got an error message saying it could not be completed. I was double charged on my credit card. I disputed the charges and the credit card company investigated and said the charges are valid and made me pay them. The charges were not valid as I never received confirmation that the order went through. Also, I was double charged so how could the charges be valid since there is a duplicated charge?

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 2017-06-04
Company: Jacob Law Group, PLLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Jacob Law Group, of XXXX, MS., has sued me in Justice court of XXXX, XXXX, MS. for a credit card bill. I have a court date. They have done all of this although I am legally XXXX and they and the county I live in know it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Conn's, Inc.
State: TN
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:
Conn Credit Corp is incorrectly reporting two a accounts on my credit file. Conn Credit Corp has repeatedly denied my request for deletion. Both Conn Credit Corp accounts have met or have exceeded the 7 year deletion date of first delinquency. Conn Credit Corp has manipulated and/or erased non-payment history in order to prolong the life of collection on these accounts on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: CA
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:
The following 4 creditors/payee below are showing up on my credit report. I am confidently sure I do not have an existing account with these companies. To confirm I called all of them and they confirmed I do not have any loan or existing debt under my name and Social Security #. Kindly help remove them on my credit report ASAP as this is affecting my loan approval to refinance my mortgage. 

XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/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 2022-09-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was on XXXX looking for homes when I applied for a home I was told that I was approved l. I then began speaking to a person by the name of XXXX XXXX who told me in order to secure the home I need to send off the deposit and first month rent. I sent that over and after that I received no more response. I then called through XXXX and they said that the home is not for sale. On the XXXX I called My bank chase asking for assistance and they have now responded saying they have nothing that they can do. 
XX/XX/2022 XXXX payment to XXXX XXXX XXXX XXXX {$920.00} {$920.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : {$960.00} {$960.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : {$460.00} {$460.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : {$460.00} {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Credit Technology, 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:
I didn't authorize this company to run my credit nor did i apply for this company. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am Complaining about ; Remex Inc XXXX XXXX XXXX, XXXX, NJ Report them to the " CONSUMER FINANCIAL PROTECTION BUREAU '' ( CFPB ) Fill out the form. Dont let them intimidate you. Dont be so quick to pay. You do not owe them anything. They bought these accounts for pennies from the actual creditor. If you wish to pay, then pay the creditor/s directly do NOT pay these people. Request they validate the debt. 

According to reps XXXX, XXXX, XXXX, at Remex Inc during a phone conversation that On XXXX of 2016 I was XXXX from XX/XX/XXXX to XX/XX/XXXX at XXXX XXXX XXXX in XXXX NJ. And XXXX XXXX XXXX XXXX, MD who performed the XXXX on me 's office has billed me a bill of a service according to them was performed on the XXXX of XXXX and it went to Remex XXXX, and Remex reps claim that the hospital care insurance only covered from the XXXX of XXXX to the XXXX. 

I've sent them proof of my XXXX responsibility of that bill, and verified XXXX XXXX XXXX XXXX XXXX that the only time the XXXX performed on me, or seen me was during the period of XX/XX/XXXX and XX/XX/XXXX, which is covered % XXXX on the hospital care insurance that I've provided. Case in point, other bills were issued by the same office and they were paid in full by the insurance. 

As of the communication with Remex, they have not been able to provide me with any proof of the validation of the bill. They have not been communicative at all with me, and they claim that it's against their policy to communicate by email, or any digital means. They only allowed me to either Fax them the proof or Physically mail it to a po box . The physical address they have on their website, is a commercial address of many companies, and can't be located.

Company response to consumer: Closed with explanation