BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/22 Someone applied for a credit card with XXXX XXXX in my name. I called XXXX XXXX and XXXX informed them it was not me. XXXX put a Fraud alert on my account and XXXX XXXX sent me the credit card. I called them back on XX/XX/22 they verified that this card was canceled. 

XX/XX/22 JPMCB Inquiry for a credit card. Again not me. Called Chase and XXXX once again informed them this was not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15
Company: ERC
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: Old information reappears or never goes away

Complaint:
i have tried multiple times to ask for verification of debt on this account which should of been removed from my credit report. because it should of pass the statue of limitation. 
I haven't heard back from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
transunion has been difficult to work with ... my score has not been updated and the iquiries count count is ironioys and wrong and has not been up dated according to the dispute time frame

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 2016-11-16
Company: SLM CORPORATION
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My payment was applied incorrectly. I applied {$1300.00} to # XXXX and {$400.00} to # XXXX. I then received confirmation emails supporting this. 

Somehow, the entire {$1700.00} was applied to # XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed a Identity theft report to remove the fraudulent items from my credit report due to ID theft, requesting the items be blocked within XXXX hours due to fraud. The company refused to block the fraudulent items and refused to investigate the items. I am requesting in writing that the credit reporting agencies block the fraudulent inquiries and accounts from my credit file. 

The company refused to update the 30 day late on my credit file. I had covid 19 in XXXX of 2021. The mortgage on my credit report is reporting late I have a letter from the lender that I was on an extension and was never late. This is affecting my credit score and ability to obtain credit in my name. The XXXX confirmation number is XXXX, XXXX file number XXXX, I do not. have the Experian report number. I have been kidnapped and I explained that to the agent and they refused to removed the items. My social, drivers license was stolen during the time. The people who had it done went to jail but they sold my identity. I feel the credit bureaus are discriminating me because I been kidnapped.

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 2020-06-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
All 3 of my credit reports have wrong information, all the companies that was Identity theft was removed. per XXXX XXXX XXXX, I also had to get connected with The Attorney General Office and made police reports. I been seeking help for over 3 to 5 years on some of these accounts. It was found out all the accounts is Truly Identity Theft and was Removed from my credit files. but yet its all still showing I have attached the information from my Attorney office to prove it should have been removed over a month ago. Life is not good with so much Identity theft. Im fighting hard to clear my name please you guys remove it forreal I have know Idea how its still showing when all the companies renoved it. Please see the attached proof

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 2022-02-01
Company: ALLY FINANCIAL 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:
Ally Financial refuse to disclose all documents to validate the inaccurate information published on all three of my credit files. I have made several attempts through the company and all three reporting agents, which all fail to provide proper documentation and verifiable information of their reporting actions. 

Per FCRA section 611 ( a ) 5 publishing inaccurate and unverified items on my credit report damaging my reputation and credit worthiness, I'm requesting this account be immediate removed from all three reporting agencies. 

Ally, XXXX, XXXX and XXXX fail to provide proof of investigation to validate inaccuracy reporting on my credit report. Alley Financial has been sued due to their negligence and violations of consumer rights not following proper protocol and reporting actions by the rights of CFPB and Fair Credit Lending Act to all consumers involved in legal action suit case # XXXX. As of XX/XX/2022 court approved settlement in which my case was part of Ally violations. Enclosed document validate my actions and attempts for the last two years to have this account removed from both my spouse and I credit file.

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 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-02-01
Company: Credit Karma, LLC
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:
Credit Karma is reporting my credit usage as fair rating and high impact which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I requested my credit report thru annual credit report. After filling out the info and answering the security questionsXXXX report did show up. I went to save and print and it kicked me off the page and said I needed to request by mail or phone. The next report, Experian, said they could not process my request and to send them copies of my social, Drivers license, mort papers, utility bills, etc. Are you kidding me? I am not sending my personal info in the mail like that, that is how identities get stolen. I am completely shocked this credit agency would ask me to send these things, especially when they know this info already. Needless to say I did not get a single report and now have to wait 12 months to request another XXXX unless I pay.

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 2018-01-09
Company: EQUIFAX, INC.
State: MS
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:
After reviewing my credit report I noticed a few inquiries on there being reported by this credit bureau in which I have disputed them and put a fraud alert on my account as well with the creditors and the credit bureau is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which the credit bureau responded back with if you believe this was unauthorized, please contact the creditor and still reporting these inquiries and ignoring my request of dispute. My complaint is towards these unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on my Equifax credit report. Regarding the following inquiries 1 ) XXXX XXXX XXXX from XX/XX/XXXX 2 ) XXXX  from XX/XX/XXXX 3 ) XXXX XXXX XXXX fromXX/XX/XXXX and XX/XX/XXXX 4 ) XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX. I have disputed these unauthorized inquires for several months with no help from the companies or Equifax. XXXX XXXX XXXX never responded to my certified letters and after calling and speaking to a supervisor, I was told an account was opened in my name online, an online order was purchased, returned, and canceled. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature on order and still have not received any from this company. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters sent to XXXX XXXX. I called and spoke with XXXX in their credit department and she advised me to fax over the information that is reporting inaccurate and they would delete it. As of today, it is still reporting. XXXX XXXX XXXX is a third party for another company and keeps telling me that they will not investigate these two inaccurate inquiries that they requested on my credit file. XXXX XXXX XXXX keeps referring me to the credit bureau to investigate or Veterans home loan. It is NOT my job to track all of these companies down. These are UNAUTHORIZED inquires. I am not a veteran nor have I applied for a home loan. XXXX XXXX responded that there two inquiries were not authorized by me but they needed an update address for a bill. I DID NOT AUTHORIZE XXXX XXXX to pull my credit not once but twice they pulled it to find my address??? ABSOLUTELY no reason to pull a HARD inquiry on my credit report without my authorization! I am demanding that all of these unauthorized inquiries be deleted from my credit file immediately! I am demanding that Equifax do their job and abide by the laws!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a chapter XXXX XX/XX/XXXX and it was discharged XX/XX/XXXX but it is still on my TransUnion report even though it has been fifteen years and it is only suppose to be there for seven.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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: Old information reappears or never goes away

Complaint:
This complaint is against equifax, XXXX XXXX, and XXXX also any other involved party whom has been misusing my personal information to create fraudulent accounts under my name. 
Ive been checking my credit reports since my identity was stolen back in 2013 my ID and wallet was stolen from my ex girlfriend car while I was in the hospital checking on a family member. I have advised both all three credit bureaus and the companies involved of my identity theft and me not authorizing any new accounts but they keep taking them off then re add the same account using another company and new date its very unprofessional and damaging my credit report causing me everything I have work on please fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I still have flood insurance on my mortgage that was fraudulently add by the lender Select Portfolio Servicing. I already filed a complaint with you and you closed it despite no resolution! Select Portfolio Servicing has not provided proof of the need for flood insurance on my property and they have not responded to the complaint. 
Why won't you help me? I've had XXXX other loans and neither required flood insurance on the property. FEMA said I don't need flood insurance. No one is stopping SPS from stealing from me! 
HELP me resolve this, please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: WATERMARK CAPITAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The on-line Form 1098 statement indicates {$1600.00} for interest and {$9300.00} for principal. These amounts do not add up to the {$11000.00} payments made in XXXX. Where is the additional money that I paid? Why is it not applied to my principal balance? How can it be applied to future interest that has not been accrued? 

The mailed 1098 Form now shows {$1800.00} collected in XXXX for interest, which as described below, is more than the amortized interest. 

WaterMark Capital Inc. has over-collected interest on the above account by the amount of {$220.00}. 

The original amortization table indicates the total interest due before XX/XX/XXXX is {$1700.00}. Since additional payments have been made, the actual interest due is {$1600.00}. 

Watermark Capital has collected {$1800.00} in interest from my payments and did not apply the additional payments toward the principal balance.

Watermark Capital must credit my account in the amount of {$220.00} ( {$1800.00} - {$1600.00} ) toward principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05
Company: STERLING JEWELERS, INC.
State: NM
Product: Credit card
Issue: Billing statement

Complaint:
I ordered a bracelet from Jared.com and sent it back within 30 days. Jared Galleria of Jewelry continues to bill me and call me all hours of the day and night. I do not have the bracelet, yet Jared Galleria of Jewelry wants me to pay for a bracelet I do not have. I have requested a new billing statement but Jared Galleria of Jewelry has not done so. The XXXX confirmation shipping number to prove I shipped bracelet is XXXX XXXX XXXX XXXX XXXX. I appreciate any kind of assistance. Thanks. Email : XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Square Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a mobile banking account with Cash app. My first account was hacked so I opened a new one. I ordered a replacement phone had to send it back because it didnt work. The company XXXX refunded my cash app card that I used with the first account the refund amount was {$100.00} they will not activate the first account so I can get my refunds. They told me they can merge the account if I have the old cash tag name which I dont have. Today they sent me messages telling me that my phone number and email I used to set it up wasnt enough

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: EQUIFAX, INC.
State: VA
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 is reporting inaccurate information on my credit reports. Because this information is incorrect it is harming my credit score. The account need to be removed from my credit report. Since COVID-19 have been XXXX, unable to work and can not afford credit score to continue to be harmed since. This trade-line should be removed immediately or I will sue under every law possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Capital Accounts, LLC
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
After moving from a house that I was renting I received a collections notice in the amount of {$4700.00} from Capital Accounts. When asking them what the amount was pertaining to they stated it was from XXXX XXXX XXXX whom we rented from. I do not owe XXXX property management any debt nor this company. Upon viewing my rights I sent Capital Accounts a certified letter to dispute the debt, Capital accounts did not validate the debt. They did not send any documentation proofing the amount they claimed I owed instead they placed the account in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
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: Account status incorrect

Complaint:
On XXXX XXXX, XXXX I submitted a dispute with Equifax to XXXX XXXX that the bill {$620.00} has been paid, XXXX shows it paid in full. XXXX  XXXX even says the bill has been paid. 

On XXXX XXXX Equifax sent me the results of the dispute showing that I STILL owed the total amount. 

On XXXX XXXX I called XXXX XXXX to see if they sent info that they were paid in full to Equifax, they said they faxed the info to Equifax on XXXX XXXX stating the account had been paid in full. 

On XXXX XXXX I 've been trying to contact Equifax about getting the acct to show paid in full and ca n't get through to anyone or their online is down for maintenance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: JPMORGAN CHASE & CO.
State: CO
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/XXXX, three credit cards were stolen from me while I was at the gym. Upon realizing I was missing the cards, I immediately reported them stolen and cancelled the cards. I also filed a police report with the XXXX CO Police Dept. My  Chase United Explorer Card was used for a {$3600.00} charge at the XXXX XXXX in XXXX, CO. 
In XXXX I received a call from Chase Fraud Dept. telling me that since my personal information was on the sales draft they received from XXXX, that " I authorized the charge and would be expected to pay the {$3600.00} ''. I have been calling weekly and keep being told that it will be sent to rebilling but never hear anything. On XX/XX/XXXX I received a letter dated XXXX XXXX stating that I would be responsible for paying the {$3600.00} and the charge reappeared on my account on XXXX XXXX. 
I did call the XXXX XXXX and was told that if a card is attached to a XXXX account or has been used in the store before, it will autofill sales drafts? 
I have had this account for 18 years and have never been late in paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
on XX/XX/XXXX I checked my credit report and all my inquiries were deleted. I logged in today an all of the inquires are back amd my score went down

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 2022-02-01
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Midland Credit Management is a company, that I have never done business with, but allegedly purchased old debt which is beyond the statute of limitations. I received a call from Midland Credit Management in XXXX, XXXX, I refused to speak to the representative and disconnected the call. 

On XX/XX/2021, I contacted Midland Credit to obtain their fax number to submit a cease and desist letter without discussing anything pertaining to any accounts. I received a letter dated XX/XX/2021, stating that they have opened an investigation regarding your recent dispute. However, I have never disputed, or requested an investigation. I believe that this is an act of fraud, and harassment as I sent this company a cease and desist for all forms of communication.

Company response to consumer: Closed with explanation