BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My identity was stolen and used to obtain a fraudulent credit card. I have disputed this XXXX account numerous times with Equifax and it still hasnt been deleted. I Disputed this same XXXX account with XXXX and XXXX which resulted in a deletion. Equifax IS NOT doing a proper investigation AT ALL. 

I have provided proof that the account has been removed from XXXX and XXXX because it was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
See details in Complaint Number XXXX against XXXX. This new complaint is against JP Morgan. 

The reason we're doing a separate complaint is because, according to XXXX, JP Morgan has been in possession of our wire transfer of {$3000.00} ( - {$10.00} transfer fee ) since XX/XX/XXXX. That is the same day we instigated the transfer. The money went to a bank in Florida, who rejected it and returned it to JP Morgan on that date. 

We called XXXX a few days after XX/XX/XXXX and were told repeatedly that it would take " a few more days '' or a " few weeks is normal for international wires ''. After two weeks of this, we requested a trace. That is when we discovered that JP Morgan was also involved. According to XXXX. 

XXXX gave us a tracking number : XXXX. We gave this number to the bank in Florida, that JP Morgan said didn't respond, but who answered our call the first time. XXXX at XXXX ext XXXX, gave us the information that they had rejected the wire and immediately given it back to JPM. We had been told on an almost daily basis that JPM was " trying to find the money '' that they'd made several inquiries and even called the bank. That was clearly a fabrication because it only took us one phone call, using their tracking number, to get the information that the  money had already been returned to JP Morgan. 

XXXX has been telling us, since last week ( XX/XX/XXXX ) that the funds had been returned to them and we could expect to see it back in our account " today or tomorrow ''. They gave us the same run-around this morning. So we called and gave them a stern recap of why we are upset and that we want our money back now, not tomorrow. We were told that the recording of our complaint would be given to " a manager '' at XXXX to evaluate. 

A supervisor at XXXX, XXXX XXXX XXXX ext. XXXX, took over the case on Thursday and she's the one who first told us that XXXX had received the money back from JPM and we'd be seeing it in our account overnight at the latest. When we tried to call her yesterday morning and this morning ( XX/XX/XXXX and XX/XX/XXXX ) she was unavailable or not in. So, after the complaint this morning to " the manager '' XXXX called us within a few hours and told us something truly remarkable : XXXX does not, in fact, have our funds. In truth JP Morgan still has the money and she just found that out. She needs to do a " recall '' and that it will take JP Morgan another 2 days to 2 weeks to return our money. 

For some odd reason, we do not believe a word we are told now. However, in the off chance that they are telling the truth that it has actually been JP Morgan Chase who has our money, then we should send in a complaint that they have been unlawfully withholding our {$3000.00} from us since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was from credit theft. Tried to fix with the company and they still sued me. I never got the notice to appear in court. I got notification from my employer that I was getting my wages garnished. I was sued for {$1400.00} approximately. I got notified that it has been paid from my payroll department that is alleged debt was paid in full. I have been checking my credit report quite often and noticed that Midland Credit Management states I still owe them the amount of {$130.00}. I sent them a letter disputing this and after a month they replied back it stating its accurate. They refuse to update and delete this debt. They only sent me an itemized bill. Nothing with my signature proving it was mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had an account with the bank more than 7 years ago they close my account and have not giving me any reason why I cant open an account with them again or why they closed my account in the first place.

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 2023-01-29
Company: EQUIFAX, 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:
I originally sent 2 disputes to XXXX about my Identity being stolen during Equifax 's Breach. Nothing has been done on this matter. The account is from XXXX XXXX OR AND XXXX XXXX XXXX XXXX XXXX XXXX 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions From XXXX XXXX OR AND XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Enclosed are my documents from me filing my Compensation from Equifax and also screenshots from the account and other documents. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: CA
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:
Hello there, I really hope you can help me with this issue. I'm not sure who else I can turn to at this point. I called XXXX regarding my issue but they directed me to file a report to Equifax, which I did via the phone in XXXX. However I had not heard back from Equifax. When I checked online, it said that the dispute was completed. But I did not receive any information about it and my credit report did not reflect any changes. 

The content of my dispute was this. 

XXXX last year, I was having a financial hard time due to getting XXXX for XXXX weeks and I couldn't afford to pay even the minimum of my credit cards. That's when I contacted XXXX XXXX XXXX and spoke to an advisor. They advised me to get on a debt management plan and told me that they would negotiate a lower monthly payment for me. I began payments that month and made payments on time ever since. However, on my credit report, it reflects that I have late payments starting in XXXX all the way to XXXX. I was never notified of this until I saw my credit report and was very surprised. Why would I get dinged for late payments going into XXXX even though I was making payments on time? 

Below I attached a statement that proofs that I began making payments in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Dear Sirs, I have a problem with 3 credit cards Bank of America with credit cards as two cards and a Discover card too. and I told my girlfriend will pay back my credit card payment and it was a bounce and fake lie to me. I was shocked. I would not pay for it. How could you fix to solve this right away?

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 monetary relief
Consumer complaint received 2020-03-17
Company: Sierra Holdings LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I worked with Sierra Financial to apply for a {$1000.00} short term loan, they contacted me and said they worked with a loan broker. My primary complaint is what was disclosed to me over the phone was not the loan contract I signed for, the following deceptive and predatory lending practices were used to enter into a bait and switch loan agreement. 

Basically the on the phone consultant told me I was signing up for a short term loan that had a high APR of nearly 240 % which I knew was the case and there would be a {$140.00} finance fee added to the loan balance in addition to any accruing interest. 
I then asked the on the phone consultant to setup the installment payments to pay off the loan balance in 4 months ( 8 installments ). She said that would be setup and I would see the payments of {$250.00} debited from my account on a biweekly basis and that would pay off the loan. 

Surprisingly I never received any additional disclosures by phone, email, or mail showing the terms, due date, payment schedule or loan amortization chart. I had requested these verbally. The only notification I received was that the loan was funded. 

Then I noticed {$250.00} auto debited from my checking account at the same time as my pay period, I assumed this was my payment plan I setup. After two months and approximately {$920.00} in payments were made I wanted to see my loan balance online my balance as of XX/XX/20 was {$1200.00}. I immediately called Sierra Financial to talk about my concern, they notified me my payment had only been applied toward the finance fees and loan extension fee which totaled {$250.00} biweekly. I told them I did not request any extension and only the initial fees were disclosed to me ( not the additional {$250.00} finance fee or how the determine those fees ), and I specifically asked for the payments to be setup to payoff the loan. They then got very rude with me and said that they can not help me and the terms and conditions state payments can not be setup and the full balance needs to be paid to resolve the debt, then they hung up while I was still talking. 

So I would like for the complaint to be handled and investigated because this company is disclosing false information and preventing consumers from getting full information they need to make a decision.The company has a very bad reputation on XXXX and if I would have investigated them I would have never did business with them, but they contacted me and their potential clients marketing themselves as a different company under a different name, through a different referral sources to trick consumers they are doing business with a legitimate company. 

I'm not question weather I owe them the amount they stated, I'm questioning the validity of the contract since it was not disclosed and me as the consumer did not get to make a decision on the correct information.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-10
Company: ACS Education Services
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Recently, I submitted a credit dispute via XXXX Account. To which, this was the only credit bureau displaying closed accounts by XXXX XXXX XXXX XXXX XXXX XXXX XXXX The two amounts were for the amounts of {$2500.00} and {$2600.00}. 
Facts of this matter, I disputed both separate/ collective accounts XXXX, and they both were completed by XX/XX/XXXX. I asked that these harmful documentations of closed accounts be removed from my credit report being that my student loan situation with guarantor XXXX has been corrected/reconciled. XXXX once had my account in closed/ collection status, and now lifted to open/good standing status ( consolidated account ). I expressed this through my recent dispute with this collector and they refused to correct my status as if I had a personal obligation to fulfill with them. I have no contractual agreement with ACS nor did I with XXXX XXXX. For whatever business they conducted upon the collection of my account was between them, to my lack of knowledge. The purpose of collection is to recover delinquent/ default accounts sold. This is not the case here. It seems they simply want to be compensated for their acquiring of this account, but I am not the responsible nor obligated party to compensate their interest. Furthermore, if this company is a decon to XXXX XXXX as stated, they would follow suite of the credit bureau accounts dropped against my case recently by XXXX XXXX themselves. On the date of XX/XX/XXXX, I directed a complaint towards XXXX, and the results would unveil an updated report with them removing themselves from my account in totality in weeks from the response date. Why should this act not be followed by the deacon of XXXX XXXX as ACS stated? My screenshot attachment via XXXX would reveal that ACS is my only closed/collection mark involving this case. To also shed anotheer element of light upon this case, I also found it suspicious that I was not able to find any information on this company via XXXX search. So, there has not been any contact amongst myself and this 3rd party either. I have not asked for too much, but only what is just for the betterment of my credit growth, as this has effected me for too long. It should also be noted that I was placed under default erroneously, I was XXXX from XX/XX/XXXX to XXXX [ Attachment Included ]. There was no contact between myself and the lender. This was corrected later, which is why we are currently having this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: EQUIFAX, INC.
State: OH
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:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

I also understand that an investigation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: Mountain Run Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I closed a account in XX/XX/2017 with XXXX balanced. A tenant moved in and opened a account with them after closing mine.Their putting her bill on me due to the mistake that was made with them not changing the account numbers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
To Whom It May Concern Please, may I request your help? This situation is a very serious matter involving fraudulent activity appearing on my personal credit report. A company named : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, TEXAS XXXX Has stolen my identity, involving an automobile lease, dated XX/XX/2015 resulting in a {$49000.00} loan. that resulted to date, in " 36 '' charge-offs reported to all three credit bureaus, with a balance of {$27000.00} left abandoned. I very rarely ever see my credit report and it was not until I tried to a purchase large cost item ; that I was shown over " 40 '' inquiries listed on my credit, along with this organization, named XXXX XXXX XXXX. I immediately filed a local police report along with filling a dispute with the three major credit companies along with attempting to make contact with XXXX   XXXX XXXX. I sent an affidavit that was notarized to the company and they have never responded. My dispute was denied, as they claim that I am the lessor. This situation is clearly fraudulent and has destroyed my personal credit. I feel that I have been taken severe advantage of. I am a senior citizen and I live very simply. Most sincerely ~

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 2017-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX XXXX, I had money coming into my Bank of America checking account from my XXXX interest account. On the same day, my landlord cashed my rent check. Due to the order in which BofA processed these transactions on that day, my account was overdrawn, and I was charged a {$35.00} overdraft fee. I made two other transactions in my checking account that day, and was charged two additional {$35.00} overdraft fees. I believe this is unfair and would appreciate your help resolving the matter. I tried calling BofA myself, but the phone hold time was two hours.

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 monetary relief
Consumer complaint received 2023-07-19
Company: Experian Information Solutions 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX  XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Paid Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1400.00} {$0.00} {$990.00} Credit Limit : {$750.00} {$750.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Settled - less than full balance Account legally paid in full for lass than the full balance. 
Unpaid balance reported as a loss by credit grantor. 
Account legally paid in full for less than the full balance. 
Settlement accepted on this account Paid charge off Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month 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 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 Experian 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 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 2022-08-13
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On or about XX/XX/2022, I requested a credit limit Increase. I received the denied letter on XX/XX/2022 ; however, the denied reasons are unacceptable and possibly violate the unfair business practice. Reference to financial institution denied letter reasons ; reasons XXXX : Credit Line Recently Change on this account! ( I do not have a credit limit increase at all since the card opened ). Reasons number XXXX ; Unable to establish a XXXX XXXX. Both of the reasons are unacceptable. For the reasons mentioned above, I also have very strong established credit, with multiple a total of XXXX ( XXXX ) credit accounts. 
( MIX ). I believe the financial institutions did not proceed with my request ( discriminating ) based on application data! Moreover, the institutions violating the Federal Equal Credit Opportunity Act

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