BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: DE
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of Identity Theft and did not make the changes to my credit profile. I ask that the items be deleted to correct my credit profile. 

I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the FTC Affidavit. Please delete as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
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 tried to request a deletion to my negative accounts on my credit report its been 7 years, they havent processed it yet, one of the account been paid off they updated the account as paid less than full balanced wish is falls information. 

1 XXXX XXXXXXXX XXXX XXXX been charged off 2 - XXXX XXXX XXXX been paid 3 - 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 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 XXXX XXXX performed a hard inquiry to obtain my credit score but was unable to obtain my score and my credit report dropped 70 points,

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 2023-04-28
Company: Experian Information Solutions Inc.
State: AR
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. 

Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX accounts. I dont have the account numbers because I didnt get them. They arent mine and I dont know why they are 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 2019-11-22
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a recurring payment from my Chase checking account to a XXXX XXXX credit card bill. My recurring payment is scheduled to be delivered by the XXXX of every month. It takes 5 days for delivery. Chase sent the check on XX/XX/XXXX so it was late to XXXX XXXX. I was charged a {$26.00} late fee by XXXX XXXX. Chase is saying that I scheduled the send by date of XX/XX/XXXX. First off I always send to a deliver by date. Also this is a recurring payment so you can easily see that Chase made a mistake. They sent it on XX/XX/XXXX to be delivered by XX/XX/XXXX. And this makes no sense because there is a 5 day delivery time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, my account was closed due to fradualant activity on my bank with a permanent freeze on the account, declaring money can not leave or enter the account. It was randomly closed and I lost access to all of my funds. I called on XX/XX/XXXX, and was told it would take up to 30 days to resolve the account closure and remove the hold. They told me I would receive a cashiers check within 10 days of the account closing. I was given zero updates via mail or phone about my account. They failed to report all of the fraudulent activity. They have recharged things I have proof was not me and have had an ongoing investigation on my account for three months now. I have call over 30 times since the account has closed to receive the same message over and over again. They failed to report that 8 accounts had been taken out in my name and SSN, and have activity on the accounts where money was moved from my primary into the fraudalent accounts. I have received zero accomodations, support, or beneficial assistance as a lot of money was taken from me and that was I supported myself. I haven't been able to pay all bills. The dates for the investigation time continues to grow as it went from 30, to 45, to now up to six months for a resolution.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX U.S.C 1681 ( section 602 A ) States i have the right to privacy 15 U.S.C 1681 ( Section 604 A Section 2 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

ALL ACCOUNT NUMBERS LISTED BELOW Has violated my rights for furnishing IDENTITY THEFT to UNAFFILIATED 3rd party consumer agency Account # - 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 2023-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have apply for a loan got approved for XXXX but I found out it's was a scam I called my bank they block the scam but someone from XXXX XXXX told me to report the scam to fraud if you have questions feel free give me a called at XXXX Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX receive XXXX XXXX statement showing that I owe {$56.00}. I email them to say it was paid. I receive and email saying that the balance is XXXX and to disregard the statement. 
XX/XX/XXXX receive another XXXX XXXX statement showing that I still owe the amount. I email them again and they say to disregard and the balance is XXXX. I spend about XXXX minutes on the phone with quest. 
XX/XX/XXXX, receive XXXX XXXX statement showing I owe the same amount. I email again and am told they will look into it. I spend about XXXX minutes on the phone with quest. 
Summer XXXX begin receiving letters from CCS XXXX attempting to collect the debt. I call CCS and they say they cant use the emails I sent. I reach out to quest, and never get a reply. 
I upload documentation to the CCS website, the documentation from my bill pay platform showing the payment. I also include the emails showing the balance of XXXX. 
I get another letter from CCS not addressing the documentation I uploaded just a copy of the original bill from quest. 
I called CCS in XXXX and they said that my documentation was not legit enough and they need my bank statement. I email the bank statement and they say that is not enough and they need a copy of the canceled check. 
I request the canceled check from XXXX XXXX XXXXXXXX. Taking even more time because it is from over 1 year ago now. 
I upload the canceled check and still am receiving letters from CCS.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a long-time customer of Chase Bank .

Someone was able to access my bank account and information through a stolen phone and made over {$4000.00} in withdrawals, including making direct calls from my number with Chase regarding these withdrawals.

Chase should have recordings proving that the person was not me and they were not authorized by me. They continue to claim that it was same device and login, so are considering over {$3000.00} as " authorized ''. They are also referencing an incorrect date that the login was used, which is not possible given the timeline of events. Double withdrawals were also made, and incorrect changes were made back on my account. ( Fraudulent withdrawals were made on XX/XX/23, but Chase claims XX/XX/23 ). 

I have provided multiple documents to them, and they have not done anything to return my money to my account, including : 1. Police Reports ( both XXXX and XXXX  ) 2. Phone records from XXXX XXXX XXXX showing calls made with Chase NOT made by me 3. Screenshots of XXXX XXXX withdrawals done with my Chase account 4. Screenshots showing I reported the IMEI number as stolen to XXXX XXXX XXXX ( which they requested ) 5. Explanations of their errors in processing the withdrawals I have provided all documents they requested, and they keep saying " you can provide more documents '', but won't say what else I can provide. I have been cooperative, reported every fraudulent charge same-day as soon as I was able to, spoke with several claims dept. agents, and more. They also send they would provide the reasoning for considering it " authorized '', but have still not provided it.

If I have done everything they ask to reverse the unauthorized charges, I don't know what else I can do. They need to be more clear in what I can provide, or actually utilize what they ask me to provide to them.

This is an entire month 's salary that has been withdrawn, and all factors indicate these withdrawals are not normal behavior for my account and should have been protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Lending Club Corp
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XXXX, XXXX XXXX offered me an opportunity to apply for a loan at a lower rate that would allow me to consolidate XXXX personal loans that I currently have with Lending Club. The total amount financed on XX/XX/XXXX was {$46000.00} ; they agreed to direct pay my loans with Lending Club and direct deposited the balance of {$2600.00} into my personal checking account. 
On XX/XX/XXXX, I was notified by Lending Club that they had received paper checks with my account number on them but they claimed that there was no name included so they would need some information ( loan number, issuing bank & check number ) from me before they would apply the funds to my accounts. ( emails in documents ) I was concerned about the amount that they claimed they received for the larger loan because it was {$2000.00} less than XXXX XXXX said they had paid. I contacted XXXX XXXX to get the information but was told that they would have to research it and get back to me. When I heard back from XXXX XXXX some time later and provided the information to Lending Club, I was told that the holding period had passed and they had returned the funds to XXXX XXXX. I again called XXXX XXXX to explain and was told that the checks had been cashed so as far as they were concerned, the money had been paid and there was nothing they could do to help me. 
I then went back to Lending Club several times to ask for proof that they had returned the funds but they were either unable or unwilling to provide me with any information. As it stands, I have no idea where the money is but both companies are charging me monthly payments. I have spoken to dozens of agents but have not been able to get this resolved. Although it appears Lending Club has the funds, I will also be duplicating this complaint against XXXX XXXX because they have not honored their agreement to pay off the loans. 
This has put a significant strain on my monthly finances and had a serious negative effect on my credit score. I have used savings to meet my obligations but will not be able to continue to make double payments. I need help to get this resolved because I feel like both companies have turned a deaf ear to the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
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 is missing that should be on the report

Complaint:
My XXXX Secured card reported to XXXX  Equifax And XXXX As XXXX XXXX And was removed from my report On Or Around XXXX after it stopped reporting Around XXXX Of 2019 And i would like it back on my report. XXXX has told me to Request the bureaus Put it back on my report if this is wrong please contact XXXX XXXX  and advise them of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
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: Their investigation did not fix an error on your report

Complaint:
The account showing on my report with all 3 credit co., is XXXX XXXX XXXX acting as a debt collector, the last payment was XX/XX/2014 that makes it over 7 years old, called all 3 companies and they have refused to remove the item, this is my right to have anything more than 7 years old to be deleted from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Upgrade, Inc.
State: TN
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:
I have had a loan with Upgrade since XX/XX/XXXX. I was making every payment on time then I was affected by CXXXX XXXX and went on a hardship program in XX/XX/XXXX. I agreed to make lower monthly payments then get back to full payments in XX/XX/XXXX. 
I was quarantined for XXXX in XXXX and was late for a payment and missed the due date, Upgrade never told me they removed me from the hardship program. My last hardship payment was made on XX/XX/XXXX. At this time upgrade reported to the credit bureau that I was 120 days late, 2 30 's, 2 60's,2 90 's. 
XXXX XXXX-30 day late XX/XX/XXXX - 60 days late XXXX - XXXX current XX/XX/XXXX - 30 days late XX/XX/XXXX - 60 days late XXXX - 90 days late Janurary XXXX current Clearly, this is a mistake, They then told me if I would not pay XXXX immediately my account would be sent to collections. I have tried to work with upgrade and they refuse to help me or remove this information from a credit report. I also spoke to multiple account reps up to XX/XX/XXXX and they all told me the account was fine and I have nothing to worry about. I have taken steps to bring the account current.I was also never never told my hardship plan on terminated. 

I would like to add that upgrate has reported on credit wrong on multiple occasions now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
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:
I am a victim of identity theft. I recently learned that my personal information was used to attempt to open an account at the companies listed I did not authorize this attempt, and I therefore request that it is deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account experienced fraud back in XXXX, and went immediately to the local Chase branch. We were on vacation in Michigan when it happened. We talked to the Banker and the Fraud Department, and they assured us that once they put in the paperwork and updated all our cards and passwords ( and PIN ) we would be fine. We asked if we should just close our checking account and open a new one. They said it wouldn't be necessary. Then, on XXXX  XX/XX/XXXX, at XXXX my husband got a text alert about potential fraud, he followed the prompts like we're supposed to. The next day I went to the bank in the morning to set up direct deposit and they told me my account was restricted, but they couldn't tell me why. I called the number they gave me and was told that " Chase bank has decided your account is no longer manageable and they're closing the account. '' No explanation, no warning. They wouldn't let us access our funds, immediately cancelled any and all access to our online profiles, and cancelled our debit cards. We were told that a check would be mailed to us within 7 to 10 business days. Luckily, we were able to access our savings account, which we promptly closed and opened an account at another bank. We have bills, including rent, that will be due most likely before we get the check. It seems that Chase Bank does not care about their customers, but their bottom line. We were told at our new bank that we were the 3rd account that had moved from Chase this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I found this on my credit report. I called to settle the debt and the man who answered told me that " my account was not eligible for a settlement '' but that he would talk to his manager and see what he can do and then told me that he would be able to take 25 % off the balance. I asked if that was the least amount your able to remove and he said yes he can not lower it any more. I told him that I would like to make sure that if they are offering other customers a higher percentage taken off the bill and that they are not allowing me that same opportunity then that would be against the law. The man said that he is certified by the FDCPA and that he knows the law and that is the least they can't take. He is not certified by the FDCPA and that is a lie and misleading. I was a bill collector for 8 years and know that you do not get certified by the FDCPA and this falls into the deceptive practices portion of said FDCPA. Also he continued to ask me what the reason was for me to want to pay this and continued to ask why I all the sudden want to pay and it was clear he was trying to find out why I would like to pay this so that he could use that as leverage over me. So I asked for a manager and I told her that I was calling to see about settling this debt and that he offered me 25 % but that I wanted to make sure I was getting the best settlement available and that if you are offering other customers a lower amount and you do not offer me that amount then that would be against the law and she told me that the settlement amount t are not the same for each customer and that there are factors like the account balance that determine the settlement and named several other things that decide that. I told her again that I was a bill collector for a long time and I am very confident that there is a certain amount you are able to lower that bill to and I am pretty confident that you are not being honest with me. I told her that I am not okay with this and will be contacting the cfpb. Also the first associate tried to tell me that it is not his money so he has no reason not to give me the best price and I said sure there is I am sure you make commissions off this and he said no he does not and that he makes a salary based pay and is not affected by the collection which I also believe to be untrue. So this is several examples of them being deceitful and using abusive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Four Directions Lending LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Due to unforeseen circumstances, I was behind in my loan of {$1200.00} that I received with West side Lending back in XXXX of XXXX. They reached out to me XX/XX/XXXX to make payments, I agreed initially ( Keep in mind, they never sent an agreement contract via emailno nothing! ) just word of mouth asking if Id start making payments of {$100.00} a week. But Im genuinely struggling!! 

So they werent successful that following week to pull a payment out of my account because I had other bills and whatnot coming out of my account. So as of today XX/XX/XXXX ... I check my account to se e that they pulled an UNAUTHORIZED random payment out of my XXXX account!!! Im extremely XXXX!!! And I want my money back in my account!!! ASAP!!!!

Company response to consumer: Closed with explanation