BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-20
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NATIONAL CREDIT ADJUSTERS is actively/fraudulently reporting to XXXX  & the credit agencies a debt that I do not owe. NATIONAL CREDIT ADJUSTERS purchased a CLOSED collection account from XXXX XXXX. XXXX XXXX reported the closed account balance as {$1500.00} before selling/ transferring the account to NATIONAL CREDIT ADJUSTERS ... NATIONAL CREDIT ADJUSTERS has now duplicated the original CLOSED XXXX XXXX ACCOUNT # XXXX And reported this 5 year old closed duplicated XXXX XXXX account to XXXX  as a new/recent collection account. This is a blatant credit reporting of misinformation. NATIONAL CREDIT ADJUSTERS is Knowingly.willfully and recklessly reporting false information to purposely damage my credit. REPORTING LATE PAYMENTS ON A CLOSED ACCOUNT IS A VIOLATION. NATIONAL CREDIT ADJUSTERS REPORTING THAT {$1500.00} IS PAST DUE -IS A VIOLATION. ONLY THE ORIGINAL OWNER MAY REPORT A BALANCE. NATIONAL CREDIT ADJUSTERS RE-AGING THE ACCOUNT IS A ABSOLUTE VIOLATION. NATIONAL CREDIT ADJUSTERS PURPOSELY REPORTING INACCURATE INFORMATION TO DAMAGE MY CREDIT is also a violation. I will not allow NATIONAL CREDIT ADJUSTERS to use these illegal bullying practices against me. I will share my concerns with the Texas Governor in a written complaint along with recording a complaint with CFPB. I hope to save other unsuspecting consumers from silently endearing this illegal coercion and bullying tactic from NATIONAL CREDIT ADJUSTERS. I will pursue my rights to hold NATIONAL CREDIT ADJUSTERS accountable for the companies deceptive malicious tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: SUNRISE CREDIT SERVICES, INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was alerted by the 3 credit agency that Sunrise recently placed a debt on my credit report. This debt was already settled with XXXX XXXX and also per MI law you have to have a license to collect. Sunrise does not have that.

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 2022-08-05
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Approximately XX/XX/21 I made an online payment to XXXX for {$140.00} on a XXXX XXXX visa card. During that time XXXX had switched from Visa to Mastercard and the payment of {$140.00} went to the Visa and subsequently to Barclay Bank. XXXX contacted me and told me the visa payment had not gone through and I then wrote and mailed LL Bean a check. I contacted the Barclay Bank in XXXX Delaware via telephone and mail, requesting return of my visa payment. My bank sent a communication to Barclay to help with the return of my money. They sent me a check for the full amount, but my bank said the check was illegible. I sent the original uncashed check back and requested a new legible check and I have not received the {$140.00} they had received in error. I have written letters and made numerous phone calls and still have not received the money. The case number with Barclay Bank XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I owed. I quickly pulled my report to review my credit. I found many fraudulent accounts I have never gave consent to open. Please delete these items from my accounts. 

XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$870.00} US DEP ED XXXX {$41000.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX {$400.00} XXXX XXXX XXXXXXXX {$410.00} XXXX   XXXX  XXXX {$720.00} XXXX XXXX   XXXX {$890.00} XXXX XXXX  XXXX {$300.00} XXXX XXXX XXXXXXXX {$450.00} XXXX XXXX XXXX {$350.00} XXXX XXXX   XXXX {$1200.00} XXXX  XXXX {$150.00} XXXX XXXX  XXXX {$830.00} US DEP ED XXXX {$24000.00} XXXX XXXX XXXX {$350.00} XXXX/XXXX  XXXX {$450.00} XXXX  XXXX {$820.00} XXXX   XXXX {$640.00}

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 2022-04-12
Company: FISERV INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received bank statement showing debit charge of {$170.00} from XXXX XXXX Called bank and advised this was a fraudulent charge - not authorized by me and I was disputing the amount. On XXXX, XXXX, XXXX I received a letter from the bank advising matter had been resolved and the temporary credit of {$170.00} was now permanent. On XX/XX/2002 I received a collection letter from TRS Recovery Services stating that they were looking to me to collect this amount. On XX/XX/2002 I sent a letter to TRS stating that this was not my debt, that it was a fraudulent charge and I was disputing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: JPMORGAN CHASE & CO.
State: WY
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:
XX/XX/19 fraudulent charge from copy-cat website out of XXXX for {$88.00} XXXX ( purchase info input at XXXX XXXX, now known to be a fraudulent website ). Purchase was supposed to be from XXXX for {$82.00}, a US based company not XXXX. 100 % fraudulent charge, no legitimate purchase confirmation or shipping information as of XX/XX/19. XX/XX/19 talked to a security/fraud supervisor and general customer service supervisor trying to dispute. They wont pursue fraud dispute until I wait 2-3 weeks to see if I get the fake merchandise. A simple web search revealed it was a fraudulent website but Chase wouldnt do anything about it. They would not elevate my concern above a first level supervisor. Chase did not follow through with their 100 % no liability for fraudulent charges claim. They are committing fraud and false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
I was a authorized user on a store charge card for XXXX XXXX that my mother had a account to. She passed away and the account went delinquent. They reported negative activity on my credit report even though I was not owner of the account. Furthermore it is shown to be charged off, when in fact the estate paid off the bill in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: IL
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 sent letters in XXXX, XX/XX/XXXX XXXX XXXX asking them to verify these bankruptcy accounts, they have sent letters saying the bankruptcies were verified by XXXX XXXX which is false because XXXX XXXX do not have these bankruptcies list on my report. I provided letters from XXXX stating these were removed in XXXX of XXXX because they could not verify that these belonged to me. Experian, XXXX and XXXX are continuing to report false information on my report which is hindering me from buying a home and getting the credit I need to better my life. I have sent in letter from the courthouse several times stating the information is indeed not being verified by them.. A rep from XXXX even told me I need a lawyer to sign the letter from the courthouse! XXXX have disputed the information in my behalf from the credit bureaus telling them they are not reporting this information but yet all the CBA are falling saying XXXX are verifying these accounts. Ive called several times and asked them to remove them from my report and the lie and say they are being verified, even after they see the letters I sent! I want these bankruptcies removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: LA
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:
Im contacting about Experian I have a account and address on my report been there since 2014 thats not mine sent over ftc respite sevral times since 2014 they tell me every time it will remove in 24-72 hours and never does I need this issue fixed asap in 24-72 hours of receiving my complaint

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 2022-04-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint is related to the difficulty in obtaining a deferral agreement or modification agreement from XXXX XXXX XXXX XXXX and HSBC. I am in the process of refinancing with a new mortgage lender to avail of a lower rate. Everything was going well until I came across this problem with obtaining this specific document. I have contacted XXXX multiple times since early XX/XX/XXXX. I was told to contact my former Mortgage lender Beneficial ( an entity of HSBC ) who originally issued this deferral. Beneficial sold my account to XXXX in XXXX. I have contacted HSBC in hopes that they will be able to provide me this document, but to no avail. Both lenders denied that they have this document. Meanwhile, this back and forth process with these two companies, XXXX and HSBC, caused my refinance to be put on a halt. As a result, I may lose my chance for a better rate. I am hoping that with your help I will get a much faster response and a positive outcome. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Consumer Report File # XXXX concerning Civil liability for willful noncompliance by continuing to report transactions and experiences on my consumer report which are in violation of 15U.S. Code1681a ( 2 ) ( i ) amongst other... .SEE ATTACHMENTS...

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 2016-01-05
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX, Chase lowered my home equity line of credit from {$160000.00} to {$100000.00} without my consent and this was against the Truth and Lending Act as verified with the lawsuit with other people in my situation. Chase made a settlement with them but they did not settle with me because I was not aware of it at the time. XX/XX/XXXX under Chase suggestion, I applied for a loan modification with one of their mortgage bankers at one of their branches. I supplied the representative with all the information required and completed all the paperwork. Chase received my application on XX/XX/XXXX and the proof is they stamped the first page. Since then I received all kinds of excuses that they never received it, that they lost it, and that they needed more info. Finally on XX/XX/XXXX they discovered the paperwork I had sent them in XX/XX/XXXX. But by then they said it was aged. Since then, I was under an 'inquisition ' and it is still going on with no end. I applied for Step Forward MI ( Hardest Hit Fund ) as well and supplied all the documentation required. I am also working with housing counseling agency XXXX University Extension and they are refusing to accept the documents that I provided to them. I am trying to do everything I can to allow Chase to ask for any updated information they needed but they continue to ask for more and more without end. They offered a repayment plan for {$650.00} a month for 20 years. They said this amount can vary because of the variable interest rate. I offered to pay {$550.00} because that is what is affordable to me ( not including taxes/insurance ) and I could even go up to {$600.00} but I need a fixed rate. I even suggested the loan go to 30 years. Chase was unwilling to consider these terms. They suggested I apply for a modification but I 've been trying to do that for over a year and half with them with no results. I am trying to work with them but they refuse to meet me halfway, give me an answer, or be reasonable with me. I get a different representative every time I call them and consequently I am not able to accomplish anything. Even the person that is assigned to you is never available and I have to talk with a random person every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I HAVE ALWAYS BEEN VERY CAREFUL WITH MY CREDIT AND KEEPING A GOOD CREDIT HISTORY. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to be complaint with my lender for I don't know how many months now trying to get help to save my home! I even have a counselor XXXX XXXX who has tried to work with them but they keep messing up my paperwork. 

I have advised the lender that I am not self employed and they closed my most recent review about two weeks ago because they said they did not receive my pay stubs and profit and loss. Well I am not self employed and I had already sent them pay stub. 

There is a never ending cycle of document requests and no resolution to my hardship.

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 2016-06-04
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Hello, we have contacted XXXX XXXX as well as the credit reporting agencies to removed the XXXX 30 days from our accounts, from my credit report as well as my husbands XXXX XXXX 's. It is a joint account. 
Our Issue is, We called in for a payment option. Ready and willing to make the payment on time that day. After speaking with one of the customer service members I called in. I was given the option to pay {$1900.00} on XXXX XXXX, 2016 and {$2900.00} for XX/XX/XXXX and XX/XX/XXXX. I was told that I would receive paperwork in the mail but that all I needed to be aware of was making the first payment on XXXX XXXX, 2016 so that the payment plan would not default. The payments have been made as directed and are not considered late. Though they are reflecting on our report as late. The agent did not advise us that by choosing this plan it would effect our credit score and or show up as late on our credit report or we would not have chosen this option. I feel it should be told to you by XXXX XXXX customer service who suggest this plan that if you do choose it t could negatively impact your credit report for 7 years. This would have drastically changed are decision towards this payment plan. When we called to explain to XXXX they said the representative would be reprimanded but they could not fix the error. We advised we were in the middle of a home sale and or refinance and something of this nature could drastically effect that. We have paid on time for 3 years to XXXX XXXX, never missing one payment. By choosing the option they suggested as a payment break up it now shows we are 30 days late not on time and completely effects our future situation on home buying as well as character. I feel it is fully unethical on chases part to not advise you of this when they are suggesting " Options. '' I am in the middle of a re-finance and can not move forward because of this negative impact on my credit score that was never disclosed to me when I accepted what the agent advised me on XX/XX/XXXX. Can you please remove this from our credit score? I Greatly Appreciate you taking the time to do this. 

Thank You, 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 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/ I received a letter from XXXX XXXX  in  XXXX FL saying my request to open a XXXX account was not approved. I had not requested this and after many attempts to connect with the bank, I was told to contact Transunion. I did and they referred me back to the bank to have this removed from my credit report.. The bank said they could do nothing and Transunion was the only one who could remove it from my report. 
As of todayXX/XX/XXXX I am in the same place. I've made a police report and hope that you can help me get this removed. 
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 2015-07-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I want this false debt to be removed or proved that it is mine. 

This is my rebuttal to the response from ALL XXXX credit Bureaus as well as XXXX XXXX. The information XXXX XXXX provided me as proof that Accountis my account, is the exact same information that all XXXX of the Credit Bureaus provided. 

I need LEGIT proof that the account is my account. Not just my " personal information '', that I, myself, provided to XXXX XXXX and to all XXXX credit agencies. 
What XXXX XXXX did, was send me back a general response in which they hope I will drop this and not continue to fight for proof. I have every right to request legitimate documents to prove this account is mine, as payment records with my signature and bank payments and so on. I am challenging XXXX and ALL XXXX Credit Bureaus verification methods. 

I have the right to see what proof, if any, that XXXX XXXX has to show that this account is mine. Any XXXX person can provide an new or old phone number, my address and so on. Half of that information is found on line for free. especially since I offered all of this information on my XXXX letter. 

I am requesting that ALL XXXX credit agencies provide me with something more accurate and legitimate to prove XXXX XXXX is my account. For example ... the original contract and a record of the last payments that were made, how they were made and when they were made. The dates this was reported on is not a long time ago, so XXXX XXXX should be able to furnish this information since I am completely sure this XXXX XXXX accounts is not mine. 
I am requesting a formal validation of this account ; I am entitled to request the following:1. Proof that you either own or were assigned the deb t from the creditor2. Proof that you have the right to collect this debt in the state of California3. Proof that your company carries a bond4. Proof on how your company assessed the outstanding debt5. Payment history from the original creditors ( must provide source of payment ) 6. Copy of the original contact bearing my signature. 

XXXX as well as ALL XXXX credit agencies are not complying with FDCPADOB : XXXX/XXXX/XXXXAccount Name : XXXX XXXXOriginal Creditor : XXXX XXXXAccount number : XXXXDate Open : XXXX/XXXX/XXXXLast Updated : None ShownReported Since : XXXX/XXXX/XXXXStatus : PAYS AS AGREEDCredit Limit : $ XXXXAddress : XXXX. XXXX XXXX XXXX NV XXXXXXXXAmount Due : $ XXXXLast XXXX of SS # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: CITIBANK, N.A.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling daily 8 to 20 times robo calls

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