BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-22
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed a chapter-XXXX in XX/XX/XXXX and it was discharged in XX/XX/XXXX ( see photo ). I have not acquired any new debt with XXXX since my filing in XX/XX/XXXX. They refuse to update my account as paid and/or discharged in bankruptcy and they continue to report XXXX open/active unpaid collections. I have been turned down several mortgages solely from their false claims.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-22
Company: JPMORGAN CHASE & CO.
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
About a month ago I informed my bank about a refund that I had not received from a merchant that I returned merchandise to in XXXX via 2 day priority mail signature confirmation. I was told that as a courtesy the charge would be reversed while the investigation was being performed. I also told the bank customer representative that I filled a FTC & XXXX complaint but the company has yet to respond. I contacted the company again in reference to my refund and that I 've reported the company to the FTC, XXXX & I 've had the charged reversed by my bank & to my surprise although all numerous previous communication attempts went unanswered, I was told that none of the named entities would guide their actions. I supplied the bank with the tracking information proving I returned the merchants merchandise but to date I have n't heard anything about the investigation nor was the charged ever reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have several unauthorized inquires on my credit report and I have never given access to my report to any of these company to pull my credit file in the business or pupose of doing business. I needed to file this report in order to have them removed. The following company are show on more than XXXXne of all 3 bureaus XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Ive paid online one time payments every month with the same XXXX billing account for over 2 years. One month I noticed the money still in my account, I call, they say it didnt go threw because account not found then I say ok I still have time to make the payment date lets pay again, then its confirmed, I contact my bank to make sure everythings clear on their end which it was and I assume the payments paid, again. Then a couple weeks later I received a letter stating its not paid and Im behind. I call them again, they say again account was not found, they see the attempted payments and tell me theres a grace period, they apologize say they dont know what happened or whats going on and continue to take my payment again yet this time I might as well add on the next months bill. Now on my credit report its stating a late payment, Ive called customer service 5 different times questioning how it was late when it was there computer system error not taking the account numbers and every time they dont see a late payment but see the multiple attempts to make my payment then advise me to write a letter which I have twice and they say its accurately reported then I call customer Service again once receiving the letters and they dont see the late payment. they wont take this off my credit report when I have over three years of on time payments while this rrrors clearly a computer error ( I am still making my payments with the same account numbers to this day with no issues ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Affirm Holdings, Inc
State: NY
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:
Dear CFPB, About the Telephone Company, XXXX & a new Credit Company called - " Affirm " - These 2 companies did adverse decisions- They said that I could not get the 0 % Interest Deals!

Then- they failed to provide an FCRA Adverse Decision Letter. 
I was expectingthat kind of letter - - explaining Y the adverse decision happened & what Credit Report was pulled & how the customercan get a copy of that report. 
They failed to send that. 
They wood not say what companies were pulled. 
Was it XXXX? 
XXXX? 
XXXX? 
XXXX? 
XXXX? 
Some other company??? 
And Affirm spammed me with advertising that tries to sell bad deals for pplwith bad credit! 

Also - Affirm did not give me a telephone number to contact Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX Assignee of XXXX XXXX send a letter on XX/XX/XXXX to me and my employer. The letter said they want to collect the amount of {$2900.00} from my salary. The credit card with this bank was close in XX/XX/XXXX. I believe this is an unfair action and I am very disappoint because I never receive any letter prior from XXXX or the court letting know about any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: Systematic National Collection, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This was settled in mediation court with a loss to both parties. The collection company continues to collect a debt that is false.

Company response to consumer: Closed
Consumer complaint received 2020-08-03
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 recently sent some letters almost two months ago to the credit bureaus and they are disregarding a regular consumer dispute. I have been sending letters before this and i still have not received no response. 

Today is XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

Inquiries, accounts from credit cards such as XXXX  XXXX, XXXX ; which im not even sure what or who that is etc have been added to my profile. Again, please help me get this matter under control. 

.

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 2016-09-07
Company: Platinum Holdings Group, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a call that I would get documents delivered to me. They gave me a # to call. I called the # and was told that I owed debt to XXXX. That is I did n't make arrangements that I would get documents delivered to me. I asked for a validation notice as well as their Professional License # which they did n't provide. I was told that they would mail me the validation notice which they told me before that they would mail it and I never received it. I was told they were with litigations and they were working on behalf of Platinum Holdings who wanted them to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Today I spoke with XXXX at around XXXX from the number XXXX XXXX XXXX. After identifying himself and stating that he was from portfolio recovery I told him that I didn't care to speak with him but she continued to talk. After reading off his usual spiel and me listening Patiently I told him that I was not interested in talking to him to send me letters through the mail as I had stated many times before. He ignored me and continue to harass me by stating that they were sending letters and I was ignoring them and I told him I had no time to talk to please send me letters and quit calling me. He continued to ignore me until I finally had to answer another incoming call as to where he was being harassing. They have been repeatedly calling me from different numbers with different prefixes like from XXXX area codes all hours of the day and I have to repeatedly block them. I have told them once before a while back to quit calling me with a XX/XX/XXXX debt but they will not cease calling me. This is a coronavirus pandemic and I am suffering from an underlying health condition and I do not want to talk to them about any debts right now I wish they would quit ignoring my wishes and quit calling me, being rude and obnoxious and quit ignoring federal guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-11
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a collection notice and called right away. I figured I had over looked it as we have many medical bills. While on the phone I was told there were XXXX additional, much older than the notice I called about. I paid the one notice and said I needed to look at the date for the other one. One of those were for my adult son and could not be discussed with me ( a separate complaint is being filed ). 
I called back and left a message to send me a copy of the other bill. I could find one original bill for the oldest of the incidents, but not other notices or attempts to contact us. 
Though I have paid these, I wanted to make the CFPB aware of the tactics, that I believe are aimed at gaining more interest. Over the year or XXXX these bills have gone without notification or contact until now, they have racked up quite a bit of interest. My son 's bill we are still trying to get verification that it is even his. It is very large and we do have insurance and an FSA account, I see no reason why we would have let them go. One could be over looked, but I find XXXX very suspicious. I just want the company 's business practices looked at more closely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit Acceptance is reporting an alleged account # XXXX Wrong to all 3 Bureaus Credit Acceptance is allegedly stating that I have not been paying them on time for more than a year but yet I have proof that they withdraw the amount from my account every month. I called to correct yet they tell me they will fix and they don'ti. They state the alleged date of the first major delinquency is XX/XX/2019 yet I have proof of every payment after that date so this can not possibly the date of the first major delinquency so this is also inaccurate effortlessly violating 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information. this inaccurate account must be deleted from my report it is hurting me in a major way payment history 35 % of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2016-02-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
We have 3 valid complaints as follows please : 1. Client has an approved short sale under the HAFA program. The 1st lender XXXX had approved the file w/ escrow close date on XXXX/XXXX/2016, with {$12000.00} pay off to the 2nd loan, an equity line of credit. The assigned negotiator of the 2nd lender, Chase, wont approve the file under the HAFA insisting that XXXX approval letter should contain a specific HAFA verbiage. XXXX however refuses to issue a special letter as requested since the bank 's letter is auto generated. XXXX, to satisfy Chase 's request sent a letter with XXXX signature but still Chase 's refuses to honor the approval letter. The settlement statement ( HUD ) clearly shows that account is a HAFA short sale. We want to close escrow but Chase apparently is not cooperative and intentionally making the process too hard for every one unnecessarily. Our goal is to close the short sale as approved under the HAFA program. Account is delinquent with an active foreclosure process but since short sale is in progress, a sale date is put on hold. 
Please help our client. 
2. An incorrect account no. has been provided by Chase 's negotiator, speculatively was done in purpose so other departments can not have an access to the account, like the escalation department, or the supervisors. 
3. Numerous calls have been made to the 2 supervisors of Chase but no return calls. 
The author / person filing this complaint is assistant to the listing broker.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Regions bank does not appear to be following TRID guidelines. We are down to the last few hours for me to sign the CD for my closing on Monday and Regions is very behind. Without going into the demeanor of those of I spoken with or the internal issues they are attempting to overcome, I would like to focus on their TRID process. The Production Manager, XXXX XXXX in the XXXX XXXX, SC processing center will not attempt to obtain a balanced CD for me to sign. He is insistent on sending be an incompete CD for signature which will not be sent until after business hours. Tomorrow, he will work on balancing the CD with the title company with their figures, taxes, government fees and estoppel info. I have been in contact with the Law Firm closing my purchase and they are waiting for Regions Bank to perform. The process should be for Regions to send to the Law Firm to balance figures prior to presenting the CD to me for signature. Estoppel info, if delayed, can be revised during three day wait but the main figures should be accurate. This is the intent of full disclosure to the borrower so that he/she has an understanding of costs associated with obtaining a loan three days prior to signing. Regions appears to be circumventing the spirit of the law as enacted by Congress.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT ED/XXXX XXXX Balance Owed : {$0.00} ; DPT ED/XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-08-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am so so upset that these agencies are still reporting fraudulent accounts totaling over {$2000.00} or more which not ever mine. I am disturbed how I cant have my finances better due to all these fraud accts charged off. Please do your due diligence and find the evidence that these accounts were all fraud. Having no knowledge of these fraudulent entries on my credit report as i was not paying attention that they did not delete these off since I reported back then. I was wondering why my credit was just being basic with limited lines until the banker asked me to pulled my report and then I see all the errors and fraudulent accounts that were not removed with all different variation of names. i cant even determine the exact amounts or dates as I did not have no accounts with the account numbers reported companies, and I no opened accounts on the dates posted on my credit reports. I have been a victim of ID Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: North American Credit Services
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:
North American   XXXX   XXXX  has been reporting their own estimation regarding  XXXX  closed accounts. I have contacted them and they agree that those accounts have been settled and closed. The accounts appear closed for a few days then they reappear on the call report. I have a made more tha n 20 phone calls to North America and  their answer is it takes time. These debts were settled more than 120 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted XXXX XXXX XXXX  by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX XXXX XXXX  and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.

Company response to consumer: Closed with explanation