BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My wife and I have been loyal customers of JP Morgan Chase Bank since it was XXXX XXXX XXXX XXXX. On XXXX XXXX I used my Chase XXXX card to, pay for routine auto repair. Dealer called informing me the charge did not go through. When I called card member services was told account was closed and reason would be sent in the mail. Also informed my accounts ( there were several ) were blocked. This act alone basically impaired my ability to pay bills, purchase groceries, etc. Several weeks later I received a letter stating the reasons for bank no longer doing business with me was for Inappropriate conduct. No explanations of what conduct offended or whom it may have offended. I also received a written warning that if I entered any JP Morgan Chase Bank branch, I would be arrested for trespassing. Needless to say having my accounts frozen, and being threatened with arrest, all for some type of unknown offense was very stressful. My wife, who is not part of the complaint, was eventually able to move funds to another bank. My personal account was eventually closed by Chase and funds mailed to my home. 
What I want you to investigate is what did I do that was so inappropriate? Having the threats of arrest warrant some explanation of what was inappropriate. If you require any documentation of my complaint all you need to do is ask and tell me how to send it for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-22
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted around XX/XX/2021 by a Capio Partners representative who said they were trying collect on a medical bill in the amount of {$300.00}. I asked whose name it was in and the lady said my name, which was a lie, but I have used this hospital before. So, I actually thought it was mine and she gave me the Acct number and address for me to send the payment too. I sent one payment of {$28.00} as I was mislead. 

I got the document from them on XX/XX/2021 and when I looked at the bill, the bill is for someone named XXXX XXXX, which I think was a friend of my ex-wife 's. Also they did not even spell my name correctly the addressed it to XXXX XXXX not XXXX XXXX. If the bill had actually been mine, I know the hospital has the correct spelling of my last name, but again this debt collector just told a blatant lie that they bill was mine and they could plainly see it wasnt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: AL
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 XX/XX/XXXX, I submitted a written request to XXXX XXXX, which they acknowledged having received. In my letter, I requested verification to ensure that the debt they reported was complete and accurate. Later that month, XXXX XXXX confirmed the debt 's accuracy. They also updated the comment section of my consumer report to read, " Consumer disputes after resolution. Charged off account. '' So from XXXX forward the charge off amount, late payments, and date of first delinquency should have never changed seeing as this is a CLOSED/ CHARGED OFF ACCOUNT that was supposedly verified. 

However, in XXXX XXXX after being denied credit by another lender, I reviewed my consumer report and identified discrepancies, incompleteness, and inaccuracies in the information reported by XXXX XXXX. This is concerning, especially since XXXX XXXX had previously assured me of the accuracy and completeness of this information in XXXX. 

Following my discovery, I lodged a complaint with the CFPB. In response, XXXX XXXX updated the information on my consumer report. However, this was not my request. Given the prolonged negligence on their part and the resulting implications over the past three years, I had asked for the deletion of this account from my consumer report. 

My consumer rights have been violated. As per 15 U.S.C. 1681i, if the information isn't accurately reported upon a consumer 's request, it is mandated to be deleted. By this provision, the account should have been removed in XXXX after the 30 days of it not being properly updated. 

In light of the above, I urge that this account be deleted from my consumer report without delay. I appreciate your immediate attention to this matter. 

Lastly, in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 an account without my written instructions. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There are two borrowers on my mortgage with Wells Fargo, B # 1 & B # 2. Both borrowers did NOT have loss of employment and are NOT experiencing financial hardship. B # 1 has TWO jobs and B # 2 has one job and are both still employed. B # 1 asked for forbearance without B # 2 knowing in XXXX, 2020 and no proof of financial hardship was requested by Wells Fargo. B # 2 saw the forbearance on their credit report and called Wells Fargo to ask that it be removed because it was unwanted and unnecessary and Wells Fargo said no. The added that both B # 1 and B # 2 are equally financially responsible for the loan, but B # 1 can place the forbearance on the account without B # 2 consent. After this Wells Fargo allowed another 3 months of forbearance to be added to the account without B # 2 consent. B # 2 feels that if they are financially responsible for the account then they should also have the authorization to approve a forbearance.

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 2021-02-12
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Every time I spoke to someone, the seemed to be reading from a script, didnt speak very clear English and I would always request for a lower payment. They never wanted to help except to for forbearance. I offered to to set up payments at {$200.00} a month. Something I can afford and they would not accept that. They never listened to anything in regards to my hardship or illness or my effort to to pay at least a portion. 

I was asked to fill out documents for several programs but nothing ever came of it. Not for educators, income based, nothing. 
So what was $ 40K in loans has grown interests into $ 100k. 
I was a teacher for most of my adult life, income was low but not enough to be considered Low-income. Over the years, kids, illness, divorce and no alimony or child support. But none of that is considered. Now I am 20 days from defaulting and am being told they will garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I live in XXXX, and my father, he had an home in XXXX ... ... we have the same name, the only difference will be XXXX ( him ) and XXXX ( Me ) ... ... .. 
they keep putting this " XXXX " address on my credit report and i call in, and they remove it, and it re-appears again a week later, i did call them again and they keep just deleting it, then it re-appears again, ugh, so frustrating. 
I request that they solve it and possibly block it from re-appearing ever again. 
please have them call me to discuss exact details ( to ensure the correct wrong address is deleted )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX XXXX XXXX late payment XXXX, XXXX of 2022. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: CBC Companies, Inc.
State: FL
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:
I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts. 
Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2023-10-24
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
First, congratulations with having the Supreme Court having validated the funding mechanism for your bureau! 
I have a credit card issued by Citi which I have always been very happy with, and will continue to use even if the final decision is in favor with Citi. 
My specific issue is that Citi is requiring holders of their cards to go paperless if they wish to also maintain online access to their account. 
One of the things that Citi cards does right is that they post the amount of any purchase immediately, which means I can check my online account every day to check for unauthorized purchases and to enter transactions into my financial software. Most other card issuers do not post transactions until the transation is final, which can be days or even weeks longer. 
I was receiving social security XXXX until I was eligible for regular social security, so I guess technically I am no longer XXXX. However, I do have XXXX  and XXXX  XXXX, which makes telephonic inquiries virtually impossible. Also, because of age ( almost XXXX ) I am not so comfortable with computers as to make downloading & printing possible. 
In summary, I am XXXX, XXXX with XXXX  & XXXX  XXXX, and not very comfortable with computers. 
However, I do know how to get into my Citi account online, and to be honest, it gives me ( and Citi ) an extra 30 days to check for unauthorized or fraudulent account activity, so both sides do receive something from this arrangement.

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 2020-12-17
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Dear sir, I have purchased a brand new XXXX model XXXX XXXX on XXXX and financed for 72 months. 71 months payments were made without a delay. The last payment was late because of the Covid-19 pandemic affected my finances.

I paid it off the remaining balance and brought the account to XXXX  balance and asked them to do a favor not to report the late payment to the credit bureaus. Instead, they reported, and I wrote them a letter asking to be easy to the customer who makes 71 payments without a delay. 
They did not remove the negative record. 
This record dropped my credit score 64 points at once. 
I feel like I was punished by being a customer in good standing 71 months. 
This is not fair, the pandemic affected lots of people and put them in a financial difficulty.

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 2023-11-18
Company: Local Management, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company keep coming to my home looking for a family member ( XXXX XXXX ) that who do not live at my residence and according to the lady I spoke to the individual received their services while staying here, which is inaccurate. That individual never lived here even if they did they do not live here and I request they stop coming leaving letters after letters on my door please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2019-02-09
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Because Gold Key Credit were ordered to stop operations in the state of Arizona for operating a collections agency without a license and to pay a civil penalty of {$10000.00} in XXXX I am concern about their actions as it relates to this alleged account. 

On XX/XX/XXXX, I received a message from XXXX XXXX and XXXX XXXX through XXXX, the debt I allegedly owe was reduced {$1000.00} Down to {$0.00}, however when I called to confirm, they stated that I still owe the alleged debt. 

Once I gave her the information required through her questioning, she said do I know why my mail is being returned from that address. Then she reaffirmed her statement by saying what I am trying to say is we are trying to mail to this address and your post master is sending back that I don '' t live there. 

On XX/XX/XXXX at approximately XXXX XXXX, on a recorded line, Gold Key Credit Inc. used misleading information alleged that the postmaster is sending back their mail and that I don't live at the address. Then she said that you are advising me that this must be an error and this is your current mailing address. I never stated anything about my address being an error. 

Then when asking her why did they reduce the amount from {$1000.00} down to {$0.00} she said they did not reduce the amount and the balance is still owed, however XXXX admitted other phone that, that information came directly from the creditor XXXX   XXXX XXXX/Gold Key Credit back on XX/XX/XXXX. And I saw written prove on XXXX and XXXX XXXX which is attached to this complaint Then she said that validation was sent of XX/XX/XXXX, but she just said that postmaster said that I did not live at that address so how is this possible. And her response was we cant be accountable if the mail was return, however I have 3 responses from that they sent through the mail. She also stated that I have a cease and desist on my account and they are not going to be sending me anything. I explain which I am sure the agency knows the validation specifically state only to do written correspondences which is another misleading statement. 

I inquired as to why they decreased the debt down to XXXX  and she stated that she did not notify the credit bureau that your balance was XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: Ygrene Energy Fund Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
Ygrene Financial is a Petitory Lender, it's associated Business Company named XXXX XXXX XXXX Authority- It's Representive FORGED my Name on a home improvement Solar Panels Financial Contract without my knowledge and I am the 2nd property owner..

After I read Ygrene 's Attorney letter, most of her statements were untrue. 

I offered a buy out of my half of this property deed for $ XXXX due to Ygrene 's Fraudulent behavior and Forging my name. 

If Ygrene does not negotiate this buy out, then I will have to pursue the Fraud and Forgery of my name. 

I am asking that if CFPB could advise me if Ygrene does not negotiate this buy out. Please see Attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Duvera Billing Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had fallen behind in payments. To help me out XXXX XXXX sent me an Exclusive Offer where it agreed in exchange for a {$10.00} payment to readjust my payments to {$57.00}. Since then, the company has contacted me to collect at least {$150.00} over that amount, In XX/XX/XXXX, I spoke with a representative who tried to collect nearly {$250.00}. I asked why the amount was so high and the representative let me know that it was trying to collect {$150.00} plus additional fees ). I asked about the Exclusive Offer and the representative let me know that the  company received it. for a Supervisor to call me back to make sure that my payments were adjusted and to explain to me why fees were added on after our agreement? To this day, I have not received a call back from a Supervisor. 

Yesterday, I received an email from XXXX XXXX about some other offer to reduce the total amount owed. Today, I spoke with an XXXX XXXX representative named XXXX who told me that I had to pay well over the amount of {$57.00} and that my account is in collections. I let XXXX know that we had an agreement that XXXX XXXX never followed through with and it illegally has sent my account to collections. I let XXXX know that I would be contacting the CFPB to file a complaint. 

This company, in XX/XX/XXXX, received my payment to readjust my payments and it never followed the agreement it led me to believe we had.

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