BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-28
Company: EQUIFAX, INC.
State: LA
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:
This dispute involves XXXX XXXX and an inaccurate reporting of my account status to XXXX, XXXX, and Equifax. After challenging the validity of the account I received feedback from XXXX, XXXX, and Equifax which stated that the account was being reported as verified as accurate and updated. After several attempts to get them to verify this information I went through some olf files and was able to find a settlement letter dated XX/XX/2016 stating that the account had in fact been settled. I also found a cancellation of debt which was provided by the company in XX/XX/2016. After the bureaus continued to report the status of this debt as negative, I sent all of this information to them and reached out directly to XXXX XXXX. Their response was that theyd reported all of the information in question correctly and since the bureaus had already reached out that they would not reinvestigate the matter. After receiving the letters XXXX then changed the account status to paid, but allowed all negative payments to that point to remain with the status being FP or " failed to pay ''. This again impacts my ability to purchase a new home, apply for business credit, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: NJ
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I am outraged at the subpar level of service provided by this financial institution. I have had a hard time dealing with the merchant directly to recover my funds and I thought that the banking institution would assist. The banking institution keeps insisting to hold me liable for a negative balance including funds theyre allowing the merchant to steal. I understand the merchant policy non-reschedulable, non-refundable, etc. HOWEVER, I went to my scheduled appointment and the merchant does acknowledge that I did not receive what I paid for! I am not paying for funds that you have allowed to be stolen, and youre being complicit in that theft. I am further not paying for a maintenance fee on an account that I can no longer use even when my balance is cleared. I will pay {$100.00}, no more that that figure to clear my balance and wash my hands of your disgusting service. I will also move to file a small claim for the amount that youre now complicit in allowing theft to occur. Please consider this your notice of intent to file suit. I will pay the {$100.00} I am offering to clear this balance in full when I receive a phone call acknowledging and accepting this amount of money to resolve the balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This complaint is regarding the automatic debit made by Chase Bank from my account without my information or any inquiry. 

On XX/XX/2023 Chase Bank has debited my account with {$13000.00} against miscellaneous transaction. Upon inquiring from Chase Bank claim center I have been informed that XXXX XXXX XXXX XXXX has opened the dispute against me for the wire transfer she made in the month of XX/XX/2023 and the bank has settled this amount against the dispute without informing me or investigating me during the research of the dispute of this transaction. 

The invoice amounting to {$13000.00} has been raised for XXXXXXXX XXXX  XXXX XXXX : XXXX XXXX XXXX dated XX/XX/2023. In the month of XX/XX/2023 I have received following wire transfers against the sale of furniture from XXXX XXXX XXXX, all the wire transfers were authorized and correct and due with XXXX XXXX XXXX to be paid to XXXX XXXX XXXX XXXXXXXX XXXX The screenshots of wire transfer are enclosed with this application ) : Date Amount ( $ ) XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX Total XXXX I have filed a claim with the bank timely having claim # XXXX for the credit of this amount with Chase bank XXXX XXXX. This forced debit of amount {$13000.00} has took my account in overdraft. On XXXX XXXX I called the Chase Bank Claim Center at XXXX am to inquire the status of my claim. The representative on the phone line has verified and confirmed the above stated amount from me and has assured that the credit will be given back to my account. The lines were recorded and can be retrieved with the date and time given. 

However, on XX/XX/2023 the bank has declined my claim and has refused to refund the amount of {$13000.00} that was earlier debited from my account. 

The bank has committed fraud with me by not making me the part of any ongoing investigation against any amount in my account. It is requested to please help me in recover my amount of {$13000.00} from Chase Bank at earliest. 
Enclosed : 1- Copy of bank statement showing the debit made by bank on XXXX XXXX of {$13000.00} and the credit of above mentioned amounts into my account through wire transfer. 
2- Copy of letter of response by Chase Bank against my claim for the amount {$13000.00}. 
3- Invoice raised for XXXX XXXX XXXX XXXX against purchase of furniture. 
4- Screenshots of Wire Transfer amount sent into my account by XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Gallatin Valley Financial
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Rocky Mountain is reporting a new collection on my credit report that I did not get any notice or warning of. I never received a 30 day right to dispute letter and I never received any notice that this was a collection until I saw it on my report. This is in violation and I would like it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
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: Information belongs to someone else

Complaint:
Greetings, I have initiated a multiple disputes with Equifax over the past few months to remove unauthorized fraudulent accounts they have failed to fully validated belongs to me. It has been well over the 30 days given for Equifax to respond with validated proof per the Fair Credit Reporting Act. I have provided all requested documents to Equifax including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors " XXXX XXXX XXXX '' " XXXX '' and " XXXX XXXX '' but they have also fail to fully validate contractually the account belongs to me. Below are the reporting accounts and addresses that should be Removed / Deleted from my Equifax credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Accounts : 1 ) XXXX XXXX XXXX - Account # : XXXX 2 )  XXXX/XXXX XXXX - Account # : XXXX 3 ) XXXX XXXX - Account # : XXXX Reporting Addresses : 1 ) XXXX XXXX XXXX XXXX, PA XXXX 2 )  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX XXXX, GA XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XX/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 2023-01-21
Company: EQUIFAX, INC.
State: MA
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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 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 explanation
Consumer complaint received 2023-03-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unauthorized charges on XX/XX/2023 for XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Filed a claim with Wells Fargo, but was told these charges were made by me. But how could I have been in California, Nevada, Illinois, and New York all in the same day? All charges from these businesses were not made by me or anyone on my behalf. 

My Wells Fargo Claim Case Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
4 accounts with XXXX XXXX were charged off in XXXX. In XXXX, monies were paid to all the 4 accounts charged off because the XXXX cruise was canceled due COVID-19. During the validation period, I informed XXXX XXXX and the collection companies that the amount claimed was not accurate. XXXX XXXX refused to acknowledge monies credited to the 4 accounts and then sold the accounts to Collection companies. The collection companies were also informed the amounts are inaccurate and refuse to credit the accounts properly, XXXX XXXX has credited only one account and not all accounts and has sold accounts to collections companies indicating in inaccurate amounts owed and the credit collection has updated my credit report to reflect amounts that are inaccurate. I requested validation during FTC law and regulation of the amounts owed and they have failed to validate the amounts actually owed for each account. Based on FTC law, the account should be settled and my credit report should be updated to reflect that the accounts are settled and closed without reflecting a derogatory entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report indicates I have [ 22 ] accounts that are negatively impacting my credit score and immediately preventing me from obtaining a mortgage and credit. Each of the three credit bureaus is incorrectly reporting credit information deleterious to me for which damages may be sought. [ 11 ] OPEN ACCOUNTS have reported a current account of which, XXXX   XXXX  XXXX is incorrectly reported. XXXX/XXXX  XXXX is incorrectly reported. XXXX XXXX  XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. XXXX XXXX XXXX XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is a double reporting tow separate balances, {$4200.00} and {$2700.00} and is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. XXXX XXXX XXXX  XXXX is incorrectly reported. There is no monthly payment due, but the creditor monthly reports a late payment. The credit reporting agency is reporting the following unauthorized inquiries. XXXX  XXXX XXXX, Unauthorized and demand strict proof. XXXX XXXX XXXX  Unauthorized and demand strict proof. XXXX XXXX XXXX  Unauthorized and demand strict proof. XXXX/XXXX  XXXX XXXX Unauthorized and demand strict proof. XXXX/XXXX Unauthorized and demand strict proof. XXXX Unauthorized and demand strict proof. The credit reporting agency is reporting the following incorrect PERSONAL INFO. XXXX XXXX XXXX. I have never applied for credit or ever been known by this name. I demand strict proof this was reported to the credit reporting agency. PERSONAL STATEMENT. The credit reporting agency will not update my personal statement with relevant and current information. I have asked that all prior personal statements be removed to avoid confusion. REMOVE THE CREDIT FREEZE ON MY ACCOUNT FROM XX/XX/2020 to XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Me and my husband are victims of predatory lending. We financed our XXXX XXXX XXXX back on XX/XX/XXXX through Credit Acceptance a month after our bankruptcy was discharged. Both the dealership XXXX XXXX XXXX and Credit Acceptance were aware of the bankruptcy because we told them plus it was on our credit reports. The price of the vehicle, the condition of the vehicle, Credit Acceptance expert knowledge of knowing statically we would not be able to pay the loan back and loan terms are grounds for predatory lending. The condition of the XXXX was in bad condition with work needed to the car within the first 3 months of buying the vehicle. The vehicle seems to have been in a wreck or flood damage prior to purchasing it. The cost of the loan totaled {$20000.00} for a XXXX XXXX that was in bad condition at the time of sell. Credit Acceptance also knew that my husband job status was per diem ( no guaranteed hours at his place of employment at the time of purchase and that I did not have a job at all other than being a Realtor which had no hours and stricly commission based and that my only transition ever was less than {$5000.00} that year. Our bankruptcy was discharged on XX/XX/XXXX a month before the purchase date. Which was strategically done because we went to the car dealership XXXX XXXX XXXX 2 weeks after the bankruptcy with both Credit Acceptance and XXXX XXXX XXXX knowing we had a bankruptcy 2 weeks prior and they gave us the car to drive home that day and asked us to come back 2 weeks later on XX/XX/XXXX without explaining why. Today we understand that we were victims of deceptive, abusive practices and suffer from predatory lending. Credit Acceptance provided an over priced loan for a car in bad condition to consumers they knew could not afford to pay them back. Predatory lending practices, broadly defined, are the fraudulent, deceptive, and unfair tactics used to dupe us into a car loan that we can't afford. Burdened with high car debt, we are straining just to keep up the monthly payments and Credit Acceptance is unwillingly to forgive debt even though they are experts in the lending industry and knew statistically that we would not be able to make off our car loan. This is unfair and deceptive marketing practices, and we deserve restitution as customers. This is a violation of our rights 15 us code 45c states ( b ) Enforcement by the Federal Trade Commission ( 1 ) Unfair or deceptive acts or practices A violation of subsection ( a ) shall be treated as a violation of a rule defining an unfair or a deceptive act or practice under section XXXX ( a ) ( XXXX ) ( B ) of the Federal Trade Commission Act ( 15 U.S.C. 57a ( a ) ( 1 ) ( B ) ).

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 2023-03-07
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
The account was mine and my ex-husbands. When we got the divorce he got the car and has not been paying notes on it. I have begged him to refinance in his name only and when he refused I called the company Credit Acceptance where it was financed through and begged them to come get the car due to me being the military personnel on the loan. They also refused to come get the car. He has been arrested in the car numerous times and I dont want to have anything to do with it and I want it off of 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 2019-08-02
Company: BARCLAYS BANK DELAWARE
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account with Barclaycard was charged off in XX/XX/2018. I was contacted by the company that bought the debt and started to make payments. In XXXX of this year I was unable to continue to make payments and notified the collection agency I had been working for and they stopped payments due to financial hardship. Last month I talked with a mortgage lender who stated I would need to settle the debt. Over a 5 day period I called Barclaycard in excess of 50 times trying to settle the debt. I was informed by Barclaycard that XXXX had my debt and that I needed to call them directly. I called them directly and they politely told me that Barclaycard recalled my debt on XXXX. When I called Barclaycard back I would be either transferred automatically to XXXX or I was told that Barclaycard couldnt help me because Their system showed that XXXX has the debt. Through a process of being passed through 3 levels of management I was connected with what I was told was the highest authority figure on the phone who stated that Barclaycard is unable to tell me who has my debt at this moment, and that they are not able to help me as it was charged off. They denied to put in writing or provide me with any way to know who has my debt. The managers name was XXXX operator number XXXX. He said repeatedly that he was unable to provide proof of who has my debt other than XXXX. He further instructed me to wait 30 to 60 days for the next company to get the debt. XXXX was unable to answer how he knew this when he couldnt verify to me that Barclaycard was in possession of my debt, and that it has been six months since XXXX had my debt as well. XXXX refused my request to attempt to pay my debt at this time.

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 2021-05-06
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX 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 also contacted the bureaus to remove this account 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 need to be removed from my credit report.

Company response to consumer: Closed with explanation