BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-12
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is reporting a collection account ( XXXX ) as Open, under the Account Type section of my Equifax credit report, in violation of FCRA and FDCPA reporting regulations. Collection accounts can not ever be described as Open, they must be described as Collection Accounts. 

The attached documents are reflective of my most recent Equifax report, which shows XXXX XXXX XXXX fraudulently reporting this account as Open as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: FL
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:
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: AL
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:
Do to my understanding it was false information on my credit report that XXXX XXXX an Experian credit report agency place on my credit report with proving IDENTIFICATION card an PROFF of incorrect information due to identity theft incorrect address I'm correct name an my data was expose due identity theft requested everything be removed from my credit report due identity theft

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 2021-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have this XXXX accounts that was close because a wrong return payment. I made the payments on time for over XXXX  years never have XXXX  missing payment or nothing wrong with the account. They close XXXX accounts because a return payment of the account that was payed already. This is insane

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I filed a lost baggage claim with XXXX XXXX XXXX ( XXXX ) in XX/XX/2023 ( Claim # XXXX ). This is an advertised benefit offered by JP Morgan Chase issued Chase Sapphire Reserve credit card. 6+ months later, I am yet to receive a response for it. I havebeen asked to provide a number of clarification / additional documents which I have immediately provided. Yet my claim remains pending. I have called every week, and unable to reach a claims examiner over the phone. Literally every week, I receive the same response - " your callback is scheduled for 24-48 hours '' and " our large claims volume has slowed processing ''. I lost my bag after my wedding and am missing valuable items which me and wife need to replace. It is unacceptable that I have not been compensated for this long. The claim is for $ XXXX worth of lost items. I am disappointed that Chase continues to have a relationship with XXXX XXXX XXXX  ( XXXX ) for travel insurance services despite such poor customer services and issue resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09
Company: Chime Financial Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am a member of chime online bank. On XX/XX/21 I tried to purchase gas and my debit card declined. I went into the app and saw that all of my accounts have been drained. Upon inspection, it appears that somebody hacked into my account, transferred all the money from my savings and credit builder account into my spending account, and then transferred that money to another chime user. There were multiple transfers listed on my checking account. The first was a transfer to a phone number, XXXX for the amount of {$1500.00}. The note for the transfer said bill money. The transfer was immediately returned back into my account. Minutes later. Another transfer was processed to someone named XXXX XXXX for the amount of {$1500.00} again with the note bill money. Moments later another transferred was processed to the same user for the amount of {$150.00}. Since these transactions were transfer from one chime bank account ( mine ) into another chime bank account, they settled immediately, giving me no time to dispute the claims before my money was gone. I called chime bank as soon as I noticed and was told to fill out a form and maybe I would get my money back in XXXX if chime decided the transactions were in fact fraud. I insisted that because this was an issue with their security, and happened through no fault of my own that I be returned the money stolen from me immediately. I was put on a 30 minute hold to speak to a supervisor and was then hung up on. This was not an issue of my debit card being stolen or purchasing something from a sketchy website. This was a breach in chime security. They failed to keep my money safe even though I took all necessary precautions. I have my phone on my person at all times and it is protected via Face ID and passcode. I have never shared my chime password or passcode with anybody. By refusing to take responsibility and give me back my own money, they have left me with no way to pay bills or purchase food or gas. I received no help from the company whatsoever and fear that my money will never be returned to me. My only mistake was choosing them for a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Experian Information Solutions Inc.
State: MI
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:
To whom this may concern : XXXX XXXX XXXX XXXX has reported inaccurate information on my credit report. The problem with this company is that they tend to charge late fees generated by the billing software, according to the Customer Representative I spoke with on XX/XX/XXXX. I informed her that I paid in advance in reference to the XXXX statement {$210.00} for payment due on XX/XX/XXXX, in the amount of {$60.00}. XXXX payment due {$56.00}, XXXX payment due {$56.00}, and XXXX payment due XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$12.00} owing for XXXX. There was a payment made toward 's the remaining balance of XXXX payment of {$12.00}. A {$25.00} was paid on XX/XX/XXXX, which left a credit balance of {$13.00} to go towards the XXXX payment due on the XXXX. I made the young lady aware of the advance payment, and she indicated that their contract says that I can not pay in advance. I have never agreed to or signed any contract that says I can not pay my credit card bill in advance. I am appalled that they reported on all three credit agencies 30 days late for XX/XX/XXXX. This is an unethical practice. She indicated she could remove the late fees and that she would file an investigation. However, they are reporting that I am past due, which is not true ; I am current. I appreciate it if this matter is resolved promptly. I have attached for you to review the statements. XXXX XXXX closed my account back in XX/XX/XXXX, when I inquired about them reporting late fees in XXXX and XX/XX/XXXX. Their explanation was due to " lack of real estate secured loan information, no open back cards in my file, unpaid collections, the average time since revolving accounts opened is too recent, the number of inquiries was a factor in determining a score. '' Which I find appalling because my accounts are not late or past due. I have a 3-year car loan paid on time, a line of credit of {$1.00} XXXX I had for 2 years, and other major credit cards I had for a year or two that are all current or XXXX balance, and they are not closed.

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 2021-08-27
Company: EQUIFAX, INC.
State: PA
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:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX/XXXX-Date of Inquiry XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed items will be corrected ASAP. Thank you. 
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 2021-01-08
Company: EQUIFAX, INC.
State: MI
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:
To whom this may concern : XXXX XXXX XXXXXXXX XXXX has reported inaccurate information on my credit report. The problem with this company is that they tend to charge late fees generated by the billing software, according to the Customer Representative I spoke with on XX/XX/XXXX. I informed her that I paid in advance in reference to the XXXX statement {$210.00} for payment due on XX/XX/XXXX, in the amount of {$60.00}. XXXX payment due {$56.00}, XXXX payment due {$56.00}, and XXXX payment due XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$12.00} owing for XXXX. There was a payment made toward 's the remaining balance of XXXX payment of {$12.00}. A {$25.00} was paid on XX/XX/XXXX, which left a credit balance of {$13.00} to go towards the XXXX payment due on the XXXX. I made the young lady aware of the advance payment, and she indicated that their contract says that I can not pay in advance. I have never agreed to or signed any contract that says I can not pay my credit card bill in advance. I am appalled that they reported on all three credit agencies 30 days late for XX/XX/XXXX. This is an unethical practice. She indicated she could remove the late fees and that she would file an investigation. However, they are reporting that I am past due, which is not true ; I am current. I appreciate it if this matter is resolved promptly. I have attached for you to review the statements. XXXX XXXX closed my account back in XX/XX/XXXX, when I inquired about them reporting late fees in XXXX and XX/XX/XXXX. Their explanation was due to " lack of real estate secured loan information, no open back cards in my file, unpaid collections, the average time since revolving accounts opened is too recent, the number of inquiries was a factor in determining a score. '' Which I find appalling because my accounts are not late or past due. I have a 3-year car loan paid on time, a line of credit of {$1.00} XXXX I had for 2 years, and other major credit cards I had for a year or two that are all current or XXXX balance, and they are not closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I do not think this can be reasonable since this account is not mine when I was a victim of identity theft this is not unfair that this is on my credit, I do not think this can be reasonable since this account is not mine when I was a victim of identity theft this is not unfair that this is on my 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 2023-01-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The problem began approx. XX/XX/2022. I had a business loan for {$430000.00} with SPS. My monthly payments were $ XXXX. I had a XXXX % interest rate. For some reason, Select Portfolio Servicing ( SPS ) put money into my checking account ( around {$2800.00} ) that they were not supposed to put in there. I thought it was an escrow overage so I put the money into the stock market and unfortunately, I lost it. Then SPS contacted me to tell me I was behind in my payments. They told me it was not an escrow overage and that they made a mistake putting the money into my checking account and they wanted it back. In XX/XX/2022, I made a double mortage payment of approximately {$5600.00}. However, because my loan is a business loan, they have a default rate of XXXX %. So instead of using that money to catch up on my mortgage, they didn't apply it towards the loan and they sent the payment back to me because I was at default level, which was about {$7000.00} per month instead of {$2800.00}. Since I made the double payment, I believed I was current. I took a business trip to XXXX and I was gone for a month and I was not receiving any mail at my home in XXXX to inform me that I was in default. When I returned to XXXX I advised SPS of these facts but they did not try to help me. I also explained that during the trip to XXXX, my wife and I both contracted XXXX and it affected my earnings. I asked if they could help due to that situation and take me off the default rate so that I could catch up. They explained that it would take a month for them to decide if they would help. I requested that while we were waiting for the one month period if they could take me off the default rate but SPS said they could not do that. So after I waited a month, they declined to help me. Now my situation is worse because now I owe {$14000.00}. I contacted them in XXXX of XXXX five different times to see if they could help me fix this situation but I could only leave messages and no one would call me back. I had to come up with the money which put me in a hardship situation to get out of the default rate. At one point, SPS said they would possibly assist me with getting out of the default rate but they did nothing despite my circumstances. I spoke to a representative at SPS about the double payment and was told that the they should have never mailed that money back to me but should have applied it to the loan. Since I've had a loan with this company, they have taken out double payme nts three times without my permission. If there is something you can do to assist me with this predatory compa ny, I would appreciate it. 

Thank you. 

XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.

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 2021-01-09
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Last Fall I received a bill from Best Buy. I had finished paying for my computer over a twelve month period. But they were charging me for something! It turned out that they renewed a service contract on that computer without telling me they were going to do this. I called the company, told them I did not want the contract and they agreed to " take care of it. '' I continued to get bills, so I called again and complained. I told them I wanted to close the account since they had not followed through on the previous call. I continue to get bills saying that I owe them money. I called the bank which services their accounts. They referred me back to Best Buy. I called again and made sure they closed my accounts. Again they said they would take care of it. Now II find that even though the account is closed, they still claim I owe them a balance due and have reported this to the credit agencies. I disputed this through XXXX  which recognized that the account is closed but accepts Best Buy 's word that I still owe a balance ( perhaps for whatever time elapsed from the " renewal '' of the contract and my finally getting the account closed ). I do not believe I owe them any balance for something I did not authorize. I want them to remove this from my credit report, the only negative item listed there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I opened a new mortgage with property tax impound account with PennyMac, XXXX XXXX in XX/XX/XXXX. After 6-weeks/repeated notice that my property taxes were to be paid semi-annually, not annually, they still failed to pay taxes timely prior to delinquent date. They claim they sent the payment electronically 4 calendar days after delinquent date of XX/XX/XXXX. After 3-1/2 weeks, property taxes still show delinquent with XXXX XXXX County Tax Collector. I am in process of refinancing my mortgage for 2.25 % and am concerned this will hold up loan approval process. At my request, PennyMac closed my impound account as of XX/XX/XXXX ; I can not trust them to pay timely. I have not yet received a refund ; they can not verify check has been mailed to me. Additionally, they collected another {$620.00} in taxes on XX/XX/XXXX via auto-pay. Their system shows I have no impound account, thus a way to track the additional refund due me. At my insistence today, a PennyMac supervisor said she would refund that amount directly to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting acXXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX and # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions 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 explanation