BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am a XXXX. I received a solicitation from Chase Bank to apply for their business ink card. I was tantalized by a promotion in which spending {$7500.00} will result in a reward redeemable for {$750.00}. 

I don't have a separate business entity - the income gets taxed with my personal income. 

I clarified my position with the bank before applying. 

I apply and receive an email asking me to provide documents that verify my place of business and tax status ( else the application will be denied ). I call back and clarify that I can use a driver 's license. social security card. 

They send me another email saying that what I sent was illegible and/or invalid. 

I call to clarify. They tell me that since I put as the business name " <my name> - XXXX '', I need to provide documents that include " -XXXX  ''. If I don't the application will be denied. As a small XXXX without an official business name, I do not have these. The refused to allow me to amend my application and advised me that if I apply again within 30 days, I will be denied again because my new application would defer to my old one. They refused to allow me to rescind my application. This policy harms my ability to acquire credit because number of credit application and number of credit denials go on credit reports. 

My application reference number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: CA
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:
15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604A section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1681e ( b ) according to the Irs canceled debt is gross or ordinary income. Income doesnt get reported on your credit report. So since income does not get reported on your consumer report. A charge off is inaccurate account and it have to be removed. Here are the accounts. 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 2021-06-11
Company: EQUIFAX, INC.
State: MD
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:
I am trying to obtain my first home and my mortgage lender, XXXX XXXX XXXX from XXXX XXXX Bank tried to pull my report on XX/XX/21 and could not obtain it. The message from Equifax stated the following : Information from your inquiry has been identified as potentially fraudulent or misused. Therefore the credit report is not available for delivery. 

Inquiry information identified as fraudulent by consumer-report not available. I never called and reported any inquiry information was fraudulent to Equifax. I have written these people with letters, I have called and spoken with represenatives and they have lied to me and informed that the infomation would be removed. Then when my lender went to pull my credit again, the same thing was still on my credit report. This information is false. I don't appreciate this erronous information being put on my credit without even notifying me of this action. 
The action I would like for you to take is to have them remove this information off my credit report immediately and to not place anything on my report like that again without notifying me in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: OK
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:
In XX/XX/2021, I sent a total payment of {$830.00} in full settlement of the amount reported to the credit bureaus. I noticed few weeks later that the collection agency reported receipt of {$750.00} contrary to the money order sent. I sent evidence of the payment to XXXX and Equifax credit reporting bureaus however, their conclusion did not change the negative report on my credit report. 

The collection agency reported to XXXX and Equifax that I still owe XXXX XXXX XXXX ( Original owner of the account ) {$87.00}. This is an abuse of customer right to fair report as full payment was made as full settlement. An amount of {$87.00} as still owed was reported by the collection agency to the credit bureaus. I have disputed this claim multiple times with XXXX and Equifax and nothing has changed despite compelling evidence submitted to the credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Florida Financial Management dba Lend A Dollar
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for the loan XX/XX/XXXX or XXXX go the deposit for {$450.00}. I tried to cancel it but only option was pay {$490.00}. A {$45.00} interest. State law in Missouri make loans have a next business day to cancel with no payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My name XXXX XXXX XXXX my phone number is XXXX my wife purchased a new car and I consigned on loan and she past away after 30 years of marriage I tried to get Nissan to  renegotiate the loan and they said they don't do that and I tried to get loan to reduce payments but could not get qualified for amount owed so I gave car back to Nissan and they auctioned the car of for so cheep the car was worth way more then what they sold car for and now are holding me liable for balance I don't think this is fair because she died and I couldn't afford car on my own the car was new only had XXXX miles on it was barely one year old and over 1,000 a month with insurance with XXXX owed on it I could only qualify for XXXX on my own with her passing away they sold car for only XXXX and now want hold me responsible for XXXX on remaining balance this has been the worst thing in my life going through her death and then to have my credit score destroyed by Nissan because of the laws there should be other laws to protect people like me from this it's not like she was still alive and defaulted on loan and I have such a hardship on my own this is just not fair and some laws need to change to stop this from happening to people like me not fair can you help me they should took car on there lot and resold for more then that this is not like normal people default this is a hardship and if they would of reduced price to XXXX they would got more money for car I wonder if they didn't action car to them self and resale car for more on there lot who to say but who sales a car like that that cheep no one you can't buy no car like that for that price no were laws should be changed to stop thing like this from happening to people who have a death it's destroyed my life and these kinda practices are not fair to a widower or a widows and should be changed this is a hardship and now they want to destroy my credit for 7 years it Has been a fight for my life after this happening and I am so exhausted from being attacked by everyone and just seem like it just get worse her death has destroyed my life and my credit to the point its affected my living making things impossible for me can you help me please Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2019 of this year, I noticed a alleged debt was placed on my credit report ( s ) from named debt collector in the amount of {$1800.00} from XXXX. I never received proper information stating this debt was mine or that i signed anything. A copy of a cable bill isn't proof of ownership of debt.I know my rights as a consumer.I disputed this alleged debt to credit bureaus but haven't shown proper verification that this company is allowed to collect alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I could not log into my Citizens online backing on XX/XX/2020 and after many calls to the customer service during the following days, I was finally told by a manager that my account was being scheduled to be closed and my debit card was cancelled. I was offered no explanation and no help. They assigned a local branch for further inquiry. But the local branch manager simply told me he could not do anything. I was able to get help from another branch in a XXXX XXXX XXXX that I frequent. The manager called the back office and told me the account closure was because of account activity. 

I opened my account following an Internet blogs recommendation of Citizens banks {$400.00} signup bonus on XX/XX/2020 which is the last day of the promotion. I just followed what people recommended in the discussion and did one {$600.00} direct deposit and 50 small XXXX purchases, and another {$10.00} XXXX deposit. The {$400.00} signup bonus requires one direct deposit for a {$300.00} bonus and 50 debit transactions for another {$100.00} bonus in 60 days. Apparently it is a difficult task to finish 50 debit transactions in 60 days ( minus a week or more to receive the debit card ) even before the pandemic and most people chose small XXXX purchases to meet the requirement of the 50 debit transactions. Other than that, my account is absolutely clean. Yet most peoples accounts were fine and there was no indication of massive account shutdowns for people who did the large number of small XXXX purchases. But my account was shutdown. 

When I raised this question to the branch manager, he could not explain it and suggest that the bank may choose a small sample of accounts to shut down. Then whats the standard to choose an account among all the accounts that had the similar activities to shut down? I have absolutely clean credit history and clean relationship with Citizens bank. They even sent me post card last fall to invite me to open new accounts with signup bonus. If Citizens bank can announce and prove that they equally shut down all the accounts that involved in large number of small XXXX purchases and explain the reason, that could be called a standard. Otherwise, it is a clear discrimination to choose my account to shut down. 

My account has no overdraft protection for the bank to worry about. There was no fraud alert, no declined transactions and no whats so ever during the days I made the small XXXX purchases until two weeks later my account was suddenly locked. There were some people out of Citizens banks servicing states that got applications declined or accounts closed. I hope they made a mistake. Citizens bank does have presence in NJ. They even have an ATM in the XXXX XXXX XXXX a few minutes away from my home until it was taken off not long ago. And my zip code was allowed to open the account online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-13
Company: HANCOCK WHITNEY BANK
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
Background= XXXX XXXX  making {$8.00} an hour XXXX. Working less than XXXX hrs.wk. 
XXXXXXXX XXXXXXXX  making {$2.00} an hour plus tips. Working less than XXXX hrs.wk. 
XXXX charges each {$9.00} to cash their payroll check. Check is drawn from XXXX account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This complaint is to inform the CFPB that Equifax and XXXX XXXX, XXXX have once again placed a dubious account back on my credit report. The account was disputed and removed from my credit file. The same account has been resold three times by numerous collection agencies and placed on my Equifax and XXXX credit files. 
Partial account number XXXX. 
XXXX XXXX XXXX thievery attempt to collect an erroneous debt is also in violation of the NO PARKING RULE. Which states, debt collectors can " not report your debt or your supposed debt to credit reporting agencies without first trying to contact the consumer. 
If this illegal account isnt removed from my credit file immediately, I will be contacting an attorney and seeking the maximum remedy allowed by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: TX
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 sent a letter on XX/XX/2022 to remove the following items that are UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 TX XXXX ; XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$200.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} ; XXXX XXXX XXXX Date of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: GA
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. 

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  has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: TX
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 sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Diversified Consultants, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am repeatedly being contacted by Diversified Consultants , Inc . ( " D.C.I. '' - which I believe is the only agency involved with this fraudulent attempt at collecting money from me ; but it has been going on for some time - they may also have partners, I think another company tried contacting me in the past as well ). They are relentlessly trying to collect an alleged {$56.00} on behalf of XXXX XXXX XXXX. I called XXXX XXXX XXXX directly to confirm, and they told me I have never had an outstanding debt, which makes sense because I have had my credit card set up on auto-pay since my account was initially set up with XXXX XXXX XXXX - so quite frankly, this is ludacris. I don't understand how this company hasn't been shut down already. D.C.I has been sending me letters with RETURN MAIL ONLY listed for XXXX XXXX XXXX, XXXX, MI XXXX & they are listing the amount due should be sent another address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. They have the creditor listed as XXXX XXXX XXXX XXXX, Account Number : XXXX, Agency Reference Number : XXXX, Balance : {$56.00}. They have a toll free number of XXXX. They are calling 1-2x a day from phone numbers in XXXX, NE. Here are some of the numbers that nonstop call me : XXXX, XXXX, XXXX, XXXX, XXXX, and I have tried blocking others. I have also tried answering a couple of the calls and explaining to the representative that I have contacted XXXX XXXX XXXX and confirmed these claims are fake. But that has only caused them to call me more and more it seems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: CAC Financial Corp
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX, I got admitted to this hospital in XXXX XXXX XXXX billed was {$16000.00}. I have provided my insurance card and my ID card. Also my wife call my insurance to be sure that my insurance will cover out of state emergency visit and they said yes. The hospital did not forward the bill to my insurance company but they report it to credit bureau instead. I have called them to resolved issues they response is they dont send out claim to insurance company. Which dont make sense. I have never heard any hospital that doesnt send out bill to insurance company so they can get their money. CAC FINANCIAL Corp. reported that I owe {$16000.00} to the credit beurea, it really took a hit in my credit report. I have contacted around XXXX XXXX and spoke to XXXX they said they transfer it over to XXXX XXXX. Called again on XX/XX/XXXX because on my credit report CAC Financial Corp is the one that reported it. Called CAC Financial, Spoke to XXXX, and explained the situation and Im willing to provide my insurance information, so they can collect the balance from my insurance. His response its more than 50 days the insurance will not pay for it. But I provided my insurance at the hospital. Its their mistake they didnt file the claim. XXXX said XXXX the XXXX will contact me shortly to discuss but never recieve a phone call from her. So my wife called following morning to speak to her. XXXX picked up and says to my wife, he cant discuss the account to my wife. My wife handed me the phone and I told XXXX, he can talk to my wife and discuss anything about my account. XXXX responds I need a written letter saying I authorized my wife to discuss about my account and he hung up the phone. I called right back, woman pick up the phone name XXXX, Asked for my name, before I even say anything she said I need a written letter before my wife can speak to them. Im calling for myself. This is Company is ridiculous. Even hospitals dont asks for written authorization to discuss health issues as long as I told them, they can discussed it with my wife and approved it, Even if its over the phone! I just wan na resolved this issues. They are making it so difficult and stressful. I have insurance, but they didnt send the claim and now expect me to pay {$16000.00}. How can I pay when I wasnt able to work and took me a year to recover. This really messed up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'VE NOTICED SEVERAL ERRORS REPORTING ON MY CREDIT REPORT AND NEED THE CREDIT BUREAUS TO PROCESS MY DISPUTE.

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