BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-14
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: Account status incorrect

Complaint:
On XX/XX/XXXX, I ordered an XXXX video game system from XXXX using the XXXX XXXXXXXX XXXX XXXX XXXX, which is a payment plan where you pay a monthly fee over XXXX years to pay off the XXXX and get access to their subscription service ( it's like a phone plan ). I received the XXXX, but it stopped working within a few days. XXXX had no replacements available so I had to return it. I mailed the device back on XX/XX/XXXX, which was confirmed by XXXX. On XX/XX/XXXX, I received an e-mail asking from XXXX XXXX ( which administers the XXXX XXXX XXXX ) asking for payment. I called them and explained the account was cancelled, and sent them documentation vial e-mail on XX/XX/XXXX. On XX/XX/XXXX, I received a statement showing no balance was due. 

On XX/XX/XXXX, I received alerts from my credit card companies that my credit score had declined significantly. I checked online and saw that Equifax and XXXX said that I had a delinquent account from XXXX XXXX XXXX, reported in XX/XX/XXXX ; I checked the details, and it doesn't indicate any amount due and doesn't say missed payments or anything like that. I filed disputes with XXXX and Equifax, but I have not heard anything. I've been trying to call XXXXXXXX XXXX XXXXXXXX, but the people I've talked to don't know how to fix this. My credit score has gone down by XXXX points for literally no reason!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Phoenix Financial Services LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 a derogatory mark was added on my credit report per XXXX XXXX from Phoenix Financial Service and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account.

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ Medical Facility ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for a new checking account and savings account with chase with a promotional coupon code so you would receive {$200.00} after opening a checkingaccount and you've met the requirements stated in the fine print. For some reason two accounts were open in my name with chase. Upon noticing this error i messaged chase and they said they would remove the extra account for me and KEEP OPEN THE ONE THAT HAD THE PROMOTION CODE ON IT. ( PROOF IN MY MESSAGES OF THIS CONVERSATION ) WELL, thinking everything was all set I had my employer start putting weekly payroll into my checking account. 
I kept checking in with reps ( again, proof on phone calls and in my messages with them ) and all of them guaranteed they see I've been fulfilling the fine print promotional requirements and that my {$200.00} bonus will be deposited within 10 business days. Ok, 10 business days go by and 3 weeks of direct deposits and still not bonus. I call, and the lady said " I do see you have the code! Since today IS the 10th business day but it's Friday..funds are deposited on Tuesdays so technically yes, 12 business days '' ok ... my patience is thin but whatever. Tuesday rolls around. No deposit. I call. Then a representative tells me the other rep closed out the WRONG CHECKING ACCOUNT. are you KIDDING ME. UNACCEPTABLE. and EVERY SINGLE PERSON kept saying I'm getting the deposit. Every week and NO ONE SAW THIS MAJOR ERROR UNTIL AFTER??? IM LIVID. so then they put in a extra " investigation '' so Tuesday and fast forward to today, Saturday. I finally get a call back with the conclusion, even though they admitted it was THEIR MISTAKE there's NOTHING they can do. I'd have to " create " a new checking account with new coupon code and have my employer start direct deposits all over again in a new again and set up my auto pay bills from a new account too. Basically a huge inconvenience and terrible customer LYING service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-14
Company: Grow Credit Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On Thursday XX/XX/2023 at approximately XXXX, XXXX, and XXXX hours, I attempted to contact Grow Credit in an attempt to pay my account balance in full. All was done to no avail.

Prior to this, I attempted several times to use the Grow Credit application on XXXX device but continued to receive an error message stating that my primary banking debit card could not be added because Grow Credit stated my debit was a credit card when in fact it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is part 2 of a partially resolved issue. 

After issue 1 ( CFPB # : XXXX ) was resolved, I was not given a refund for my overpayments which were made to ensure there would be no incorrect reporting to the credit agencies. 

The original purchase was made during a promotional period, 18 months interest free. I paid the the purchase off in 18 months, but was forced to make 19 payments to keep the account current ( see issue 1 ). I'm owed {$190.00} for the overpayments. 

The original balance was XXXX, I paid a total of {$3300.00}. XXXX = {$190.00} Attached are the bank transactions proving payment.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

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 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 non-monetary relief
Consumer complaint received 2023-01-14
Company: JPMORGAN CHASE & CO.
State: GA
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:
My account was charged for an automated fee from XXXX fee on XXXX for XXXX. The fee hit the account XXXX times for a total off XXXX and should have occurred only once for the fee due of XXXX. I called in XXXX XXXX Chase Bank due to no funds available and to replace the issue. They said that the pending payments could not be reversed which according to Banking laws this is not true. I was told this would resolve in a day. On XXXX, I still have no funds available to make purchases, get food, or pay my mortgage. XXXX sent a letter out late on XXXX confirming the problem but said it would take XXXX days to resolve. XXXX did not issue any credits so that we make use our funds knowing the issue! They knew about the issue because in my call the service representative reported other callers! I called again today XXXX XXXX and they know about the issue but could not and would not issue any credits to update our available balances for spending

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
In XX/XX/2018 I closed a checking account with Citizens Bank and had no checks outstanding or debits from debit card. A month later the bank put a dr or debit for {$270.00} for service fees and overdrafts and sustained overdrafts. I am a XXXX year old XXXX XXXX veteran. The bank does not care that the only thing that reopened and caused this negative balance was their fees. They call my landline phone harassing me and I want them to cancel out those fees after I closed my account and stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2020 I called into XXXX to acquire documents that XXXX should have in order to be able to furnish the 30+ accounts that are on my consumer report. Pursuant to 15 USC 1681 ( b ), I never sent in writing to any credit bureau that I wanted these accounts on my consumer report. These accounts total {$94000.00} of unvalidated debt. I was hung up on several times and treated very rudely by XXXX supervisors named XXXX, XXXX, and XXXX. They also were not able to produce documents they should have from the companies listed on these accounts to prove the debt is validated. They also could not produce any letters I sent in writing authorizing these accounts to be furnished on my consumer report. The furnishing of these false reports are ruining my reputation and also preventing me from providing for my personal, family and household needs. I have attached a phone call with the XXXX agent admitting they have none of these files. I also understand that the other credit bureaus ( XXXX, Transunion ) are reporting the same info and I did not gave them permission nor do they have any documents to validate debts listed on my consumer report

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 2023-01-14
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: Public record information inaccurate

Complaint:
Dear Cfpb ; XXXX ; XXXX ; Equifax ; See attachments ... .I 'm not sure why you keep saying that you already verified this public record XXXX as being accurate, whereas, I've contacted all the credit bureaus, courthouses and obtain paperwork where it says that they don't verify nor provide any data to the credit reporting agency. This is reporting in violation and it's unverifiable, also it continues to report with multiple inaccuracies and incomplete info. Again, The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 

A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to Defamation ; Negligent Enhancement of Identity Fraud ; Violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am an American Express XXXX card member for which privilege I pay {$5000.00} a year in fees just to use the card. I called the company to make a payment on my account. I was on hold for more than 5 minutes. This is different than the service levels the company advertises when procuring the card so this is a clear case of bait and switch. ( Case # XXXX ). 

I called to pay the balance due on my card. American Express told me that no payment was due on my account and they would not take a payment even though the balance due is in excess of {$8800.00}. ( Case # XXXX ) This level of service is absurd for someone who is supposedly a good customer and has been so since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Union Home Mortgage Corp
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two Home mortgages Through XXXX XXXX of Union Home and Mortgages. 
In XXXX of 2019 I was informed that the escrow account was short on both accounts, We paid the difference. In XXXX of 2019 I received a second letter that our escow account were again short and we need to another {$600.00} on and {$500.00} on the other. 
After discussing this issue with them I discovered 90 % percent of the amount they are requesting is going into a cushion fund. I have excellent credit, I paid the extra that requested of me in XXXX also when we closed on the house last year in XXXX I was told part of the closing cost was years worth of escrow required by law I also paid that at closing. I believe Union Home mortgage is mishandling and would like a resolution soon.

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 2019-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I'm in the XXXX and going to be XXXX to XXXX for 9 months, so I set up auto payments for my capital one credit card. I never got a phone call from the credit card company to tell me anything was wrong afterward. Until I received notice that I missed a Payment from XXXX XXXX. 
The payment was only {$25.00}. But now has lowered my credit score by 177 points! 
I called capital one and talked to a supervisor, even paid my balance in full, he continued to tell me he wouldn't change the missed payment, and that it was my fault I didn't follow up on the auto pay I set up with their company. 
I have never missed any payments on anything since I started building credit. 
I fell like I did my do diligence by setting up the auto pay, if the company had a problem with it, they should have contacted me BEFORE destroying my good credit status. 
I would like your assistance in a fair resolution in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am writing this letter in extreme frustration and dismay regarding the fraudulent accounts that continue to persist on my credit report. This situation is not only damaging my financial reputation but causing me severe emotional distress. 
SMALL BUSINESS ADMIN XXXX I would like to remind you that under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit reporting agency to ensure the accuracy and integrity of the information you provide to lenders and consumers. It is also your responsibility to promptly investigate and correct any inaccuracies or fraudulent information on a consumer 's credit report. I believe that your continued failure to address this issue is a clear violation of my rights under the FCRA.

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 2021-03-22
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: Their investigation did not fix an error on your report

Complaint:
Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely XXXX  up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and XXXX XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of XXXX  to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX {$87.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: GA
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:
This XXXX XXXX XXXX account just showed up on my credit report and does not belong to me. I have included the fraud report as well. Please remove this asap. 

XXXXXXXX XXXX XXXX XXXX XXXX Report Date : XX/XX/XXXX Account Number XXXX XXXX  Date Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Jon Barry and Associates, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation