BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: LoanCare, LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I had a house fire. I filed it with my insurance company and they cut checks to myself, my ex husband and the mortgage company. In XXXX of XXXX I sent the mortgage company a copy of my divorce decree and a quit claim deed my exhusband signed during our divorce, because the mortgage company said that was the only way they would be able to send me the insurance money in just my name. They approved that and on XXXX XXXX they issued the first check written out to just the XXXX and I for {$26000.00}. After many weeks of dealing with the mortgage company to schedule our final inspection when the house was fully repaired they finally came out and we passed the inspection. On XX/XX/XXXX I received the final draw of the insurance money except the check was made out to the contractors and my ex husband. That day I called and told them I am not able to get my ex husband to sign the check so I needed them to place a stop pay on this check and issue one with only the XXXX 's name and mine. They have my divorce decree and quit claim deed on file. They had to send the request in for an exception and have to review the documents that they have on file. This has been going on for over a month now and I have the XXXX hounding me for the last {$11000.00}. I am not sure why they could send a {$26000.00} check with my name instead of my ex husband but they refuse to do it with {$11000.00}. I need this money to finish paying the contractors and I am tired of calling the mortgage company daily to only hear the same thing, that the exception is still pending. They have had this money for close to a year now in their accounts building interest while I get constant calls from the contractors when I have no control over it. I need someone to finally step in and do something with this mortgage company!!!!!

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 2022-06-28
Company: Dynamic Recovery Solutions, LLC
State: PA
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received information that I was part of the Wellsfargo unauthorized account openings, I got letters from Wellsfargo stating that I was removed from liability from those accounts. However within those account still are reporting on XXXX XXXX XXXX. They are also on Wellsfargo systems as negative reporting 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 2023-08-03
Company: Experian Information Solutions Inc.
State: NY
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 three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.

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 2015-12-15
Company: Paypal Holdings, Inc
State: CA
Product: Other financial service
Sub-product: Debt settlement
Issue: Unexpected/Other fees

Complaint:
I had an account with Bill Me Later and PayPal Credit took over my account. They say I owe them money that I do not owe. They even sent statements showing I over paid them {$160.00}, but they say all my debt was not disclosed and I now owe them {$300.00} plus. They added {$100.00} to my account when they took over and late fees because I refuse to pay them. I have never been late, I had XXXX NSF for {$100.00}, when my bank changed my account number due to security. They sent a letter to Bill Me Later who excused the {$25.00} fee and my bank paid the {$100.00}. I need for someone to help with this issue. I do not owe them any money. They say I approved their disclosure but I know when they took over for Bill Me Later, I had to agree in order to view my statement and make a payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: EOS Holdings, Inc.
State: MI
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: SYNCHRONY FINANCIAL
State: MI
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2022-09-21
Company: EQUIFAX, INC.
State: MD
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 accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: VA
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:
In XXXX of XXXX I submitted my initial complaint against XXXX XXXX It is as follows : On XX/XX/XXXX of XXXX  I checked my credit report and found an collection account that I didn't recognize. Knowing this entry had to be a mistake I sent a debt validation letter to XXXXXXXX XXXX that same day. On XX/XX/XXXX of 2021 I received a response from the company saying that an investigation was going to be done into the matter and in the meantime the account would be deleted from the credit reporting bureaus, that was never done. I never received any update or validation into this erroneous account. Instead, it remained on my credit reports and continued to lower my credit scores. On XX/XX/XXXX of 2021 I sent a following up request into this matter directly to XXXX XXXX. I let them know that it had been over 5 month since my initial request for validation and advised them that they had violated my consumer rights by having the account removed from my credit reports and by not validating the debt while continuing to report it. I advised them that their silence was obviously and admission of silence and I was under the impression that the debt should have been removed because they failed their legal duty to answer my claims. They in response they sent me a letter stating that my request for validation was frivolous and irrelevant even though they never followed up their legal end of the deal. I am requesting for this account to be removed from all XXXX of my credit profiles immediately. 

The response I received was that this company didn't believe they violated my consumer rights and they continued to report the account as collection account with missed payments. Following that response I paid the account in full with agreement from the company that is would be removed from my credit reports. Since then it has been removed from my XXXX reports but not from my Equifax and XXXX reports. This account is continuing to report as if I am missing payments each month which in fact is not true as this account is paid and should've been removed. My validation letters to the company have been ignored for the last 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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:
THIS IS A NEW COMPLAINT NOT A DUPLICATE. 



I received this email regarding the closing of the listed complaint number. 
XXXX I previously sent communication regarding the complaint number below which was also close. 

I spoke with the representative approximately 1 to2 weeks ago regarding this complaint. One of the CBR 's contacted us regarding the issues. It appears the confusion was both my CBR ; s and spouse 's were uploaded together, We also told the representative we will would upload

the 1098 's to prove the fraud. So, now we see the pattern
of someone wanting our complaints closed. All CBR 's and 1098 's for myself and my spouse will be upload separately to prove there was and still is fraud! 


XXXX was the previous complaint which was sent by the XXXX XXXX  XXXX XXXX, We received 2 from the CFPB stating they did not know why the complaint was sent to the CFPB. Given the contact. We provided a detailed overview of why we thought it was sent to the the numerous fraud reports involving multi [ le groups of individuals such as attorneys and judges who were engaged in illegal activities which fall under the RICO statue. In addition, to my wife 's previous bankruptcy which, striped us of everything we though we own, We never received loans for out real property and my wife 's commercial property which the sba funded for bother her ex business partner who appeared to have stolen the money and placed the money into hidden accounts unknownst to my wife It was very obvious the second caller from the CFPB was calling us is order to state we withdrew the complaint but, WE DID NOT! We are being slandered and accused of being un truthful regarding all of the reports we file to the federal authorities, How can you lie about reported illegal activity when you are hold the ORIGINAL EVIDENCE! WE NEED LEGAL ASSISTANCE and NO ATTORNEY IN GA will take our case because they are corrupt, the last retained attorney stole 10k from us and did nothing. It appears someone within this loop wanted this complaint shut down, The brc XXXX within the US BRC OF NORTHERN GA AS WELL, THIS COMPLAINT WAS PLACED BY SOMEONE UNDER A PAYDAY LOAN ISSUE WHEN IN FACT IT'S NOT. THIS IS A RICO CASE INVOLVING HUNDREDS IN INDIVIDUALS WHICH NEED TO BE INVESTIGATED ASAP BY THE US ATTORNEY GENERAL 'S OFFICE, IF WE NEED TO FLY TO DC TO MEET WITH PARTICULAR FEDERAL AUTHORITIES WE WILL. WE ARE VERY KNOWLEDGEABLE OF EACH DIVISION AND KNOW WHO THE KEY CONTACTS ARE. PERSONALS PERTAINING TO BE FEDERAL AGENTS HAVE ACTUALLY CONTACTED US JUST TO OBTAIN INFORMATION, WE WERE VERY AWARE THEY WERE IMPERSONATORS,

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 2022-06-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was applying for what I thought was loan but instead seems to be scammed. Loan company XXXX XXXX XXXX XXXX  XXXX said I needed to go to XXXX and purchase gift cards to Show the FTC that I was working with them to help my credit. They got access to my bank account and then proceeded to make claims under my account. Chase bank will not pull the calls but tell me it was made through the phone. I have had the same bank for XXXX years and the same phone number so where the claims where made was not through me. My account is negative due to this and chase is unable to do anything because they gave a reversal credit and then took it away when no claim should have even been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-11-30
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently reviewed my credit report from XXXX, XXXX XXXX. Unfortunately, I saw that you have recently began to report me 30 days late on this account on XX/XX/2022. I have previous credit reports from the above mentioned agencies that reflect my account accurately, as paid on time. I never received notice that you were going to insert negative data on my credit report, as you are required by the FCRA I contacted AMSHER COLLECTION SERV regarding this debit and that I don't owe this and had a very default time .. FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a consumer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the consumer. ( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. ( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). ( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the truth in Lending Act. Reporting inaccurate information is also a violation of the FCRA. I first contacted the above mentioned consumer reporting agency about the mistake. They sent me a letter stating you verified the information. How is this possible? I would like you to actually look into my account history this time and not just send an automated verified response! After doing so you will see that I was not 30 days late on XX/XX/2022, The FCRA allows for damages of {$1000.00} per violation. So far you have violated my rights three times Twice by never notifying me and once for reporting inaccurate information. I could surely use the {$30000.00} bucks since the interest rates on my other credit cards raised due to you error, not to mention the priceless cost of my time writing these letters. PEASE SEE ATTACH DOCUMENTS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute the recent incorrect charges and late payments that have been reported on my JPMCB account. This account was closed in XXXX, and I am concerned that late payments for XXXX are being inaccurately reported. I request your immediate attention and assistance in resolving this matter as this has caused me extreme financial harm. 
I have carefully reviewed my credit report, and I was surprised to find that late payments are being reported for the year XXXX on the JPMCB account. This is inaccurate as the account was officially in XXXX, and I have not made any transactions or late payments on this account beyond that date. 
These inaccuracies on my credit report may negatively impact my creditworthiness and my ability to obtain a home. 
The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and up-to-date information on consumer credit reports. 
I encourage you to view the documentation that I have attached to this compliant as it contains the letter I've sent to XXXX and JPMCB, along with a copy of the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
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 status incorrect

Complaint:
RE : Loan # XXXX - Paid in Full on XX/XX/XXXX I sold the home at XXXX XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/XXXX and wired funds in full to Carrington Mortgage and paid off the loan in full. XXXX  credit reporting company has not updated this account and is still reflecting an open account with very large balance. 

I am purchasing a new home and closing on XXXX and this account is significantly reducing my score and prohibiting me from obtaining the interest rate reduction with my new lender. XXXX and XXXX have corrected the account. 

I phoned XXXX and was told to contact Carrington Mortgage to have them contact XXXX directly to correct. Carrington Mortgage is saying they reported the correction on XX/XX/XXXX to XXXX, but can not provide me with any documentation. XXXX is saying they can not locate any such correction reporting and can not fix without this. 

I am getting the runaround by both Carrington Mortgage and XXXX and need this completed immediately so that I can close on my new home. I do not have 30 days to wait for a dispute!!!!!!!! The loan was paid off almost 2 months ago! 

I am suffering significant financial damages in being forced to take a higher interest rate on my new home loan because of this inaccuracy. By law FDCA, this needs to be corrected. 

Please direct me to the person that can handle this error immediately and have the XXXX credit report updated so I can proceed with my closing.

Company response to consumer: Closed with explanation