BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter dated XX/XX/XXXX saying " After careful consideration, we decided to close your credit card account on XX/XX/XXXX, because Chase closed a previous credit card, deposit, or investment account. '' I received almost exactly the same letter over 3 years ago, dated XX/XX/XXXX, for which I submitted a Consumer Financial Protection Bureau complaint, ID XXXX-XXXX. The outcome of that complaint was that my account was reinstated. 

After receiving the letter dated XX/XX/XXXX, I called the phone number provided on that letter, XXXX. The representative I spoke with said that they see no indication that my account is going to be closed, and they aren't sure why I received that letter. I called back to speak with a different representative, and they also told me there's no indication that my account is going to be closed. The second rep I spoke with said that the letter was sent in error, and my account is not going to be closed. I proceeded accordingly, scheduling business bills to be paid on this card. 

Logging in after XX/XX/XXXX, I saw that my card was, in fact, closed. This resulted in numerous unsuccessful charge attempts for bill payments I had scheduled, causing those accounts to become overdue, as a direct result of the misrepresentation provided by the multiple representatives I spoke with, who assured me that my account would not be closed. 

After seeing that my account was closed in late XXXX, I called Chase, was transferred to different departments approximately five times, and I ended up being transferred to the executive office again ( the office that had previously reinstated my card account that was closed back in XXXX ). I received a voicemail from the executive office on XX/XX/XXXX, saying that they have completed the review and confirmed the closure of my account. 

The exact same thing happened back in XXXX, where I was called from the executive office and told the account closure was confirmed, then they later reached out and said they reconsidered and reinstated my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: TX
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: TX
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: ACIMA CREDIT, LLC
State: DE
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 name : XXXX XXXX # Lease : XXXX Merchant : XXXX XXXX XXXX 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 2019-06-11
Company: JPMORGAN CHASE & CO.
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX I charged {$710.00} on my MC to a insurance company. For some reason 10 mins after them charging my card they made a second charge for the same amount, double billing. They seen the error and sent the 2nd payment back.

On the same day the CC company sent the payment back to the insurance company noting it was a re-bill. ( never heard of that Now I want to inform you that ALL these payment have the same reference code, why that happen is a mystery to me..

Then the insurance company sent back the returned payment again. 
Still on XX/XX/XXXX The CC company sent them ANOTHER payment back to the insurance company as a re-bill adjustment.again.. 
Now all the charges have the same reference number.Now my card has one ligament charge, 3 returns from my insurance company AND 2 payment sent back to my insurance company as a rebill adjustment. 
Then on XX/XX/XXXX the insurance company send me a email saying im over die and the have to cancel my policy if I don't pay right now. All you have to do is READ the statement and you can see there is ONE payment made on the XX/XX/XXXX then another ( 2 ) two returns from the insurance THEN two payment re-bill to the insurance company. And finily they said the returned all payments ( all the same reference number? and I had to pay again. the CC company is company at fault here, by sending BACK returns and billing me for it. AS of today XX/XX/XXXX I am been charged twice for the same charge, I have called 17 times since XX/XX/XXXX and for some reason they don't get it. All you have to do in read the statement, it self explanatory. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: NC
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Exeter Finance Corp.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have a car loan with Exeter Finance, I have had nothing but issues since starting with them!! Ive currently hired an attorney to sue them for stealing, fraud, harassment, financial hardship, emotional distress, as well as reporting inaccurate and false information to all three credit bureaus!!! Not only have I been called daily and sent emails daily since getting the loan, I caught the company trying to steal from me, and in the process am continuing to daily get harassed and lied to and have even spoken to management and was promised a credit onto my account due to their mistakes and faults in which I still havent received!! As well as received a letter in which was overnighted from the office of the president last week stating they never made any mistakes at all but when stating my evidence I have against them over the phone with her was asked to send whatever documentation I have over to her email, are you kidding!! Why would I do that?? Let alone its XXXX and I made two payments in XXXX and they have reported Im over 90-180 days late on my payments when Im not!! Let alone They have stated payments werent made on my credit report when I have evidence and bank statements in which show payments were actually made!! Their screwing me, scamming me as well as damaging my credit score at the same time!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorect items on my credit report. It has been well over XXXX days and i haven't received any investigation results.

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 2023-10-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax is not reporting my score at all. That is inaccurate reporting. I have had a score for decades and now they are reporting my score as a negative nothing. That is inaccurate reporting and a violation of my consumer rights. This non reporting is creating a negative impact on my life. I need this score reinserted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: WELLS FARGO & COMPANY
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We sold our car that had a loan with Wells Fargo Bank in the end of XX/XX/2021, and the the loan was paid in full no later than XX/XX/XXXX. The loan has still not reported onto my credit as paid in full as of today, XX/XX/2021. I am obtaining a home loan and need a paid in full letter so I called Wells Fargo loan on XX/XX/2021, and was told I would have the letter in my email this morning on XX/XX/2021. I have not received it so I called Wells Fargo Auto and was told it would be taking 72 hours and the rep advised that she can put another request in but she is " unsure '' if it will cancel my request and make sure I don't get one. This is unprofessional and uncalled for! I would appreciate if you could assist with this!

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 2022-12-29
Company: Atlanticus Services Corporation
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:
Aspire Credit Card has an issue applying payments. Mailed a payment from my bank on a XXXX and payment wasn't applied until 15-20 days later. When call customer service is rude. Have been assessed late fees and had credit score affected by the delay of applying payments.

Www.aspire.com Card issues by XXXXXXXX XXXXXXXX XXXX XXXX  through XXXX This credit card is a disservice to anyone trying to rebuild their credit. What a disgrace.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent in documentation for the inquiries that are on my report and they are still there on my Equifax report. My XXXX report has been corrected and updated. XXXX  and Equifax will not cooperate I have sent police reports and documentation of the erroneous information that was reported. I feel like my rights have been violated and I have also been denied credit. My character has been defamed and it is causing me to be stagnant in my endeavors. Please investigate the inquiries as well as the accounts that should have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX Transunion sent 3 copies of my credit report. Each report shows something totally different on the adverse accounts section. I have attached photographed copies of the discrepancies for review. 

I recently submitted a complaint in reference to the incorrect reporting of account XXXX XXXX # XXXX. My question is now after your reinvestigation, why is the payment history showing an X which is unknown status for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on one report and the other set of reports, the payment history shows an X for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX? 

This is considered FALSE reporting and Im asking for the immediate deletion of this unverified account. You obviously have no proof of the payment history ; therefore, you are putting any status on the account to make it valid. Well, this is wrong and considered false reporting which is a violation of my rights under the FCRA. I demand {$1000.00} fine or we will be forced to take this matter to Federal court and let a judge and jury decide whos correct. 

IF YOU CANT PROVE IT, YOU MUST REMOVE IT!

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 2022-12-29
Company: EQUIFAX, INC.
State: GA
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 mortgage company has tried to get my credit report but can not. There is no freeze or fraud on the report or anything. I called their agent numerous times and they said my account was being worked on, they do have my birthdate wrong, it should be XX/XX/1946 instead of XX/XX/1946 and the agent said he would correct it. All I want is Equifax to release my information when all the requirments are met. By not releasing my information, they have already ruint my XXXX, because of no bureau report to complete approved loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: TX
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 formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit 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 2021-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Tried to apply for a Capital One card ( under a pre-approved email ) to expand my credit portfolio and they declined due to " the applicant has been reported as deceased ''. 
I contacted all 3 bureaus as instructed on the back of the Adverse Action letter along with XXXX XXXX and no one has me documented as deceased. I also, contacted the Social Security office here locally and Nationally and no one has me reported as deceased. 
I called Capital One and they said they would investigate it if I were to mail in a complaint letter along with any reports and letters I received from the different reporting agencies. 
Because of this issue I can not purchase a car, home, rent an apt or home, obtain more credit cards to improve my credit score, which by the way, I brought from no score to a XXXX in a matter of a few months. 
I believe this all started with XXXX XXXX and the 2nd round of the Paycheck Protection Program when they got the 1st 5 numbers of my ssn backwards?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Early Warning Services, LLC
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Scammer posted a listing on XXXX XXXX about a rental. I contacted this person and he said it was available for showings. He told me I needed to fill out a rental application and it would cost XXXX XXXX per person. Since my boyfriend and I were applying he said it was XXXX XXXX I sent this scammer the money and stopped responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: IL
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 sending this complaint in regard to the following, account XXXX XXXX. This account was obtained fraudulently on or about the date of, XX/XX/2021 with a credit limit of {$5000.00}. I've spoken directly with representatives of the company and explained that this account was opened fraudulently as well as sent in supporting documents such as proof of identity, FTC reports and proof of address. However, this account is still being reported as a charged off account with a balance of {$3000.00}. It is also reporting inconsistent and inaccurate information on all credit reporting agencies ; and according to the FCRA and FDCP these are violations of the 623 ( b ) and Section 807, as well as your company 's Regulation V. The company insists that the account belonged to me in spite of having evidentiary proof that it does not. This account is having an extremely negative impact on my livelihood.

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 2018-12-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
I am trying to get a refund of a Moneygram money order that was partially cashed at my bank. This is a process that I started XX/XX/18, and still not have resolved. I only received a credit for {$60.00} from a {$990.00} money order when I originally deposited this money order at my bank account with XXXX XXXX XXXX. Since I no longer have an account with XXXX XXXX XXXX, they can not credit me the remaining {$930.00} left on the money order. They say that Moneygram needs to make me whole by issuing me a refund for the remaining balance. I agree with this. 

I have made numerous calls to Moneygram customer service through XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have also been in contact with their corporate office. On XX/XX/18, a person named XXXX from corporate told me I should expect a refund from XXXX  XXXX XXXX. I have made 4 followup calls with XXXX and left messages, and I never once got a callback. XXXX XXXX XXXX tells me they never heard from Moneygram and don't know about a refund. Moneygram has also sent me 3 letters telling me I need to go my bank branch, and have a banker call Moneygram to confirm that XXXX  XXXX XXXX did not issue me that credit. I did that twice and wasted an hour of my time and the bankers time each time. Nothing has come of it except that Moneygram says I need to do it again. On XX/XX/18, the banker even sent an email, as requested, verifying everything Moneygram asked. Followup calls to Moneygram determined that Moneygram could find no record of that email. I have a copy of that email if necessary. 

All I want is for Moneygram to refund the balance of the money order that was never credited to me. I have jumped through all their hoops, and wasted so much of my time, and still I have nothing. They have my money and will not give it back.

Company response to consumer: Closed with explanation