BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-08
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called the local branch on  XXXX / XXXX / XXXX  and explained that the account was closed in  XXXX   XXXX  and the lien was never released and has actually been renewed. The branch told me to call the  XXXX  number. I called the  XXXX  and after a lengthy hold, spoke with  XXXX  and was told the account is closed and the branch is handling the line of credit now. I asked how can the branch handle the account if it is closed. It was closed on  XXXX   XXXX ,  XXXX  ( I have a letter ) and the lien was never released, it was renewed.  XXXX  said the account is closed it should n't matter. It does matter, it affects our credit and our ability to get a line of credit at another bank. The new bank is questioning why th e Chase  line of credit is still open! Chase is renewing a lien on assets that they do n't have a right to lien as we DO NOT HAVE A LOAN AT  CHASE.  Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022, Equifax received two correspondences via certified mail ( USPS ), which contained a letter disputing unauthorized inquiries, copies of my driver 's license, veteran 's administration identification card, gas & electric statement, and social security card for validation. The letter brought to Equifax 's attention that they were reporting inaccurate information. I requested an investigation into how/why this happened and correct or delete the faulty items. 
Receipt # - XXXX - XXXX XX/XX/2022, I called Equifax 's Fraud Department. I was told my correspondences were received and attached to my account. I was then informed of Equifax 's company policy of not making corrections without an FTC letter accompanying the complaint. I was instructed to draft and fax a copy of an FTC to the number provided. I did as instructed a few days later. 

XX/XX/2022, I called Equifax Fraud Department to confirm the receipt of the FTC and the correction/deletion of the incorrect items. I was told that the items had been deleted as of XX/XX/XXXX. I thanked the representative and ended the call. 

XX/XX/2022, I called Equifax 's Fraud Department ( on a lawfully recorded line ) after checking my online Equifax report. I was furious and highly disheartened to discover none of the items had been corrected or deleted. The Representative told me that it was my responsibility to contact the furnishers of the inquiries and have them contact Equifax for them to take action. I held my ground and insisted that these inquiries be removed. I was placed on hold for XXXX to XXXX minutes. When the Representative returned to the line, he said it could take up to 30 days from now to complete the investigation. I said that was unacceptable ; this needed to be handled immediately. After a back-and-forth, he agreed to have the items removed XXXX hours. 

XX/XX/2022, I called Equifax 's Fraud Department ( on a lawfully recorded line ). Again, I explained my call and was told that Equifax 's policy prevented him from taking action despite what the laws dictated. He insisted that he could lose his job if he acted outside of Equifax 's policies. I informed him of my intent to file a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: MRS BPO, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted by MRS BPO , LLC via text messaging on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to contact them about a XXXX debt. 

I never received any written information about the debt. I am caring for my XXXX mother that been hospitalized since XX/XX/XXXX. I am her only caregiver. My only sibling passed away in XXXX. 

I have been texted from XXXX, XXXX, XXXX, and XXXX to call XXXX regarding a matter for XXXX XXXX. On XX/XX/XXXX I received an alert from my bank and was told that I have a delinquency in collections on my account from XXXX that caused my XXXX score to drop XXXX points. 

I contact XXXX and could not get a live person. The automated system would drop my call. I then contacted XXXX and they said the information was with the collection agency. I was given XXXX and the number connected me to an answering service for XXXX XXXX which has no information about my XXXX account. 

On Friday XX/XX/XXXX I was able to get in touch with a live agent that then transferred me to XXXX XXXX XXXX. XXXX XXXX had called me once before and I made good faith payment. I told him that I was not able to talk and requested a call back which I never received about two weeks ago. After speaking to XXXX XXXX on Friday he was argumentative and unwilling to send me my information in writing. Stating that he could not send anything in writing because he did not want to make any promises that when I pay off the debt I can receive written documents. I am trying to regain my good XXXX score that I've been diligently working on. 

XXXX XXXX sent my account to collections in less than 30 days. I had made a good faith payment and wanted to resolve the matter so it would not affect my good XXXX  score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: EOS Holdings, Inc.
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:
**This is no t a Duplicate Complaint. Fo llow up from  Complaint #  XXXX ** There is no need place an " Cease to communic ate '' on this account your claiming is mine, but a Cease reporting a frivolous collection towards my name. The aforementioned credit collection agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :   XXXX   XXXX   and  XXXX . The business is required to disclose to me all of the documents that they have recorded an d retained in their files that pertains to this " debt ''. If EOS CCA d oes not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pa y )  they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX To whom this may concern, I paid off and closed XXXX XXXX Credit Card with Account Number XXXX XXXX XXXX XXXX last XX/XX/XXXX ( Ref # XXXX ). All payments were made on time up to the closing of the account. It came to my attention on XX/XX/XXXX, the account was not closed and reported to all credit bureaus that I was delinquent and handed over to collections. I found that they had charged me without my knowledge annual and other fees. Additionally, they never closed my account. This dropped my credit score by over 130 points when the account had been paid off and supposedly closed as I requested in XX/XX/XXXX. I talked to XXXX XXXX XXXX  on XX/XX/XXXX and was assured the account will be closed and the {$100.00} charge reversed and reported corrected to all credit bureaus, removed/deleted from collections and cleared on my credit report. I was just told today I have to fax a letter with credit report information and an explanation. Please expedite this matter, clear this mistake and inform me immediately that the issue has been resolved, corrected and explained to credit bureaus and collection. I have included the appropriate section from my personal credit reporting company that shows the issue. Credit One`s reference number to this case is XXXX. As a result of this action by XXXX XXXX XXXX  my Credit Score dropped 130 points. Thank you, 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 2018-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 has reported me to all all 3 reporting bureaus as latepayments were made and XXXX never updated.

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 2023-05-01
Company: EQUIFAX, INC.
State: AZ
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 has violated my rights with account XXXX. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 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. This company has violated these terms for the following mont
hs. 
XXXX and XXXX and XXXX of XXXX XXXX and XXXX of XXXX XXXX of XXXX XXXX and XXXX of XXXX XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
A incursion on my account ending in XXXX was made by a digital wallet transaction. It was fraudulent and not authorized. I reported it and opened a claim.in XX/XX/2023 The bank assured me that the debt card was dropped. The bank issued a new debit card and I refused to activate it. I continued to monitor the account in XX/XX/2023 new fraud charges appeared on my account and I reported them but the bank did not open a claim. More charges appeared later I called to complain to management but I was told that they would not accept a call. I called a completely different department and opened claims for the transaction in XX/XX/2023 but refused to open claims for all since they say I had not reported them sooner. The told me the debt card was close. They next day the fraudulent charges continued. The bank has been unable to stop this and because of their incompetence continues to say that the older charges will not be reversed. The bank is allowing this steal to continue. I need them to accept the responsibility for their lack of action to protect my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Statebridge Company
State: TN
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:
To whom i t may c oncern : Statebridge Company made a major error on my account ( see attachment ). This error caused m y credit score  to plunge  XXXX  Points.  Statebridge cl aimed that I have been 60 day late when in fact I 've never been 60 days. I was 1 day late for the month o f  XX/XX/XXXX   because  XX/XX/XXXX  was on a Monday when we attempted to pay on Friday   XX/XX/XXXX .  They need to contact both major credit reporting agencies immediately and have this corrected. I 'm applying for a home loan and this bad information will cost me a ton as a result of interest rate or being disapproved. I 'll need to hear back them soon I will file a complaint with the OCC and the  Consumer Protection Bureau an d sue for any damages. -  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: AES/PHEAA
State: OR
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 HAVE 6 LATE PAYMENTS ON MY FEDERAL STUDENT LOANS. I WROTE TO THEM ( XXXX XXXX ) SAYING THAT THE LATE PAYMENTS IN QUESTION WERE DUE TO APPLYING FOR THE INCOME DRIVEN PAYMENT PLAN AND TO PLEASE REMOVE THE LATE PAYMENTS FROM MY CREDIT REPORT. THEY MISTOOK THIS AS ME ASKING TO BE DEFERRED AGAIN ( I HAVE ALREADY BEEN PAYING FOR OVER A YEAR WITHOUT MISSING A PAYMENT ), WHICH I DID NOT WANT.

I JUST WANT THE LATE PAYMENTS REMOVED FROM MY CREDIT REPORT DURING THIS TIME I WAS APPLYING FOR INCOME DRIVEN PAYMENTS, I COULD NOT MAKE THE PAYMENT INSTALLMENTS THEY ASKED OF ME, WHICH IS WHY THE MARKED THE PAYMENTS AS LATE UNTIL MY PAPERWORK WAS COMPLETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I had an American Express personal credit card. I actually had 3 of them. When I began having financial difficulty due to the economy in XXXX, I attempted to contact American Express and asked them to consolidate all three cards so that I might make one payment and it would not be so confusing to have 3 different due dates. They would not do this. As I fell further behind, two of the cards were repeatedly switched to many different collection agencies and it became hard to tell if the people calling were legitimate or not. The card with the highest balance seemed to remain with American Express, not a collection agency. I began trying to pay the other two cards but none of the agencies involved could tell me if the debt would be eliminated if I continued to pay or if I completed the " program ''. So, I stopped paying them. The card that seemed to remain with American Express was not offered to settle. In XXXX of XXXX, I received a call from an " attorney '' who said he represented American Express and wanted to know my situation. I spoke to him and he never offered to settle this debt. Just now, on XX/XX/XXXX, I was " served '' at my door with a lawsuit regarding this card. I question who filed this case and the validity of it because it says the plaintiff is " American Express National Bank ''. Everything I have read says this entity is the branch of American Express that handles their personal savings accounts, not credit cards. I also question this due to the fact that this debt is older and that I have received many seemingly fraudulent sounding phone calls from unverifiable sources and have had someone who said they were American Express debit my checking account for {$270.00} after I specifically called for a cease and desist on any and all payments and collections until verified. Please help me determine if this lawsuit is real or fake. I need to know how to respond and do not want to go through this if it is the actions of an unscrupulous attorney or no attorney at all. In my county, there have been attorneys and/or groups of people who have banded together and pursue collections thinking no one will ever try to verify anything and they will just pay even if time frames have passed and even if credit card companies do not know they are collecting on their behalf. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23
Company: EQUIFAX, INC.
State: TN
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. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX and Equifax are still reporting these fraudulent accounts on my profile. The law is very clear as o the civil liability and the remedy available to me (section 616 and 617) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have them comply with federal law and respect the rights of Identity Theft victims, such as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
On or about XX/XX/2023 I contacted Capital One credit card customer service and requested to have my credit report updated as a courtesy due to late payment reported. I advised them I was out of the country due to a death in the family and was unable to make my payment, they asked that I mail a letter to them explaining the same and it would be removed but to avail. I then disputed this via credit bureaus and no help. At this point I want to validate the credit card account in question.

Creditor Information CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I saw a referral offer on my American Express platinum card. The referral offer says " get XXXX Mr and addition XXXX membership rewards no matter what card your friend is approved for ''. 

I utilized this offer and used it to refer XXXX of my friends, he applied and was approved for the personal delta credit card. However, today a representative told me my referral is invalid because my friend was applied for a different card than what I was using to refer him. 

This does not make any sense as the offer clearly says " no matter what card your friend is approved for ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXXXXXX XXXX  : last 4 of the account number # XXXX. On XX/XX/XXXX I XXXX XXXX about XXXX XXXX called XXXXXXXX XXXX  [ Phone Number XXXX ] talked to customer service representative XXXX XXXX and he advised me there was no account or account number ending in XXXX for the amount of {$3600.00} and a credit limit of {$1700.00}. So i couldnt provide you guys with a complete account number if there isnt an account that exist. XXXX XXXX also stated that everything was be recorded. So you guys will have record of that also. The account was supposedly opened on XX/XX/XXXX. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX, after 120 days late, knew I couldn't pay, and intentionally financially abused me through ballooning the amount up to file a large tax credit with the support of Transunion.

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 2023-05-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I completed a trial plan after my struggles with XXXX. I was told all arrearage including escrow shortage would be put to the end of the loan. My payments at that time was {$1600.00}. After making 6 payments and keeping the account current I received a communication that after a recent escrow analysis my payment would be going up to {$3800.00}. After being blindsided by this I immediately called SPS. The young lady said she could extend the escrow out 36 months versus the current 12 months. After " I '' helped her with the calculations she submitted it to her supervisor and was immediately turned down. She advised me to fill out an RMA online for additional help. I then filled out the application stating my issue and submitted. The next day I received a denial. I signed up for paperless that is why the denial came so quickly. I then called back, bagging for help. The new agents advised they sometimes extend escrow 24 month, but not for me. Yes, " but not for me ''! She also stated the first agent just wasted my time as they would not look at an RMA for escrow. The new agent asked to take a payment knowing i couldn't afford it. No sympathy, no empathy!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation