BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 


Unfortunately, 1 year ago, I was in a financial dilemma due to a car accident and wasn't able to work due to XXXX XXXX. As a result 1 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on one occasion over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 


I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now that 1 late mark on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 


This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries. 


The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Financial Recoveries, Inc.
State: WI
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:
XXXX XXXX XXXX XXXX last reported on XX/XX/2023 that I owed {$5900.00}. I contacted them and they told me they sold the debt to a third part debt collector ( who is not mentioned on my credit report ), which I then contacted after and the third party debt collector told me I owed {$9000.00} from undocumented reasons that's unaccounted for and they refused to fix the incorrect remaining balance and dates.

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 2019-10-16
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My wife was required medical attention after XXXX  XXXX in XX/XX/XXXX or XX/XX/XXXX. 
XXXX XXXX Hospital, XXXX We had insurance and explained to the hospital several times. Then Progressive Management took over the account. They reported to the credit reporting services a {$1300.00} balance. 

They called many times to harass my wife and she ask for information but it was never received. After much harassment she ask that they not call her cell phone. 

Now somehow after disputes it continues to grind on my families credit score. XX/XX/XXXX I called Progressive and ask if there was any way to fix this problem and enable me to rebuild my credit. This is the only black mark I have except high balances. They said they would only accept the balance in full. I said after 6 years you should not even be harassing my family. They offered no help. 

While billions of dollars were written off after Obama care, and our health insurance has tripled in cost the large medical institutions and their collection agencies harass their customers when the costs were triple what they should be and they offer no sensible discussion or terms. 

Shame on XXXX. Shame on Progressive Management. May the wrath they bring on their customers come down on them. 

I urge the CFPB to help us and make an example of what they should have done in the first place. 

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 2023-01-16
Company: EQUIFAX, 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 have challenged the 100 % accurate reporting of this XXXX XXXX charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account and only transunion has deleted the account... ..equifax and XXXX are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XX/XX/XXXX but if you look at the 2 year payment history they are reporting it as XX/XX/XXXX ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the account number experian is reporting XXXX and equifax is reporting XXXX XXXX both cant be accurate and therefore they are violating my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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 hired a contractor to repair my chimney and the work was not completed and what was completed was completed is not to industry standards and everything needs to be rebuilt. I filed a dispute with my credit card at Bank of America and they are refusing to help rectify the situation.

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 monetary relief
Consumer complaint received 2019-10-16
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: Public record information inaccurate

Complaint:
I have filed dispute after dispute after dispute with XXXX  about the following that reported on my credit report that is fraudulent and do not belong to me. The following are listed : These are fraudulent : XXXX XXXX Inquiry from XX/XX/XXXX - Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX -Automobile  Dealers, XXXX XXXX Financial  Inquiry from XX/XX/XXXX - Auto Financing The following does not belong to me : XXXX XXXX   Account Info Reported on XX/XX/XXXX XXXX  retrieved this information from a third party ( XXXX XXXX ) Chapter XXXX Bankruptcies Courts Do Not report to any credit bureaus. I have sent in numerous times certificated letters contesting this information but no change.

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 2020-02-08
Company: Social Finance, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I contacted SOFI for a personal loan. Personally, I have " excellent '' level credit as defined by the Credit Bureaus. I intended to use the loan for home improvement and personal expenses. I have a XXXX  degree and a history of ZERO missed payments on anything during my lifetime. 
I was pre-approved by SOFI and sent an email to that effect. 

During a call with an incredibly off-putting customer service agent, she ostensibly became confused and marked my intended use of the loan during the application process as " business purposes '' which was entirely and absolutely false. My application, due to this incorrect mark, was summarily denied despite all other factors meeting or exceeding SOFIs requirements. I called customer service and explained after the first denial that the loan was indeed SOLELY for PERSONAL purposes. I spoke to a " XXXX '' who encouraged me to immediately re-apply. I did so. Again, I was denied as a result of that incorrect note by the confused service agent of before. I spoke to a service manager again today who essentially explained that since she made that mark there was nothing they could do. This institution left a hard inquiry on my otherwise IMMACULATE credit report which now is useless because the loan was denied due to the poor service and mistakes of one agent. I strongly dissuade anyone considering a loan through SOFI as my experience was one consisting of confusion on their end, poor service, lack of due diligence on behalf of SOFI management, and borderline illegitimate business practices. 

I have as a result resorted to reporting SOFI to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: NY
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:
Over the last two years I have disputed the validity of student loans and a car loan that was placed on my credit report fraudulently. The credit bureaus respond to my dispute stating the debt has been validated, but according to 15 USC 1681 ( a ) ( e ) upon investigation i the consumer along with my family, associates, and neighbors have to be interviewed and this interview never took place so how can the debt be verified. Also according to 15USC 1602 I am an administered agent my social security card belongs to the social security administration therefore I do not own the social security number nor any debt attached to it. According to 15USC 1681 ( b ) ( a ) ( 2 ) the credit bureaus need my written consent which I NEVER gave them to furnish a consumer report. According to 15 USC 1692 ( g ) the 5 requirements for validation were never fulfilled. These are numerous violations of the law being made by these bureaus that is impacting my quality of life egregiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : 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 2022-05-23
Company: Avant Holding Company, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This complaint involves a fraudulent card opened in my name through Avant credit card. I noticed an email on XX/XX/XXXX regarding I was approved for a card. I sent a follow-up email questioning this approval on XX/XX/XXXX. Also, I received an email the aame day that Avant was notified via XXXX for a discrepancy in addresses, yet the company still opened the account and mailed the card to this address which is NOT mine. I am a life-long resident of MA, and the card was sent to IN. On XX/XX/XXXX through today, XX/XX/XXXX, I have requested NUMEROUS times that this account be closed. Nobody has closed this account, despite all of the requests. I have several emails proving this request was made on multiple occasions, yet I have never received any follow-up emails. I submitted the required documentation via email today ( XX/XX/XXXX ) so this case can be investigated, as requested by the company ; however, I want this account closed. When I called their number for customer assistance, nobody was able to help me, and I kept getting directed towards emailing the fraud department and id theft departments. Again, I never got any answers from anyone. This whole ordeal has been a nightmare, and I truly question the legitimacy of this company, which is why I am asking for your assistance. I also just received a bill for {$25.00} from Avant credit card, as this card apparently has a {$39.00} annual fee. I would never recommend this company to anyone, and am at the point where I will begin contacting local news outlets if this matter does not get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
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:
Equifax and XXXX are reporting duplicate collection items for {$150.00} on the XXXX XXXX XXXX IN partial account number XXXX. ( Please see page 4 of the attached credit report. ) This incorrect reporting is harming my credit score. Please delete this line item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello CFPB my bank account has been going from the positive to the negative. One moment is in the positive the next moment its in the negative yesterday. On XX/XX/XXXX I had a balance of zero I called the bank yesterday. They said that everything looks like its been updated and that you have a positive balance of {$2800.00} and that you are in the positive, I told her on the phone that I dont trust the bank anymore. Everything had already mostly cleared. I had a positive balance of XXXX dollars the lady informed me that this would not go back into the negative. This is the most horrible experience I have ever had. I have been with the bank since XXXX now I can never trust Wells Fargo again right now my account is overdrawn by {$3000.00} because I thought that money had finally come back to me after since the beginning of the month of XXXX this balance has been going from negative to positive over and over and over and over and over again. I have made a lot of transactions but I never put the account in the negative and I also made sure to replenish any funds so my account is done and unless Wells Fargo fixes this which I feel as discrimination at this point because I had a positive balance of over {$3000.00} for three years I dont think Wells Fargo is going to help me in the situation and I think its horrid and scary that these banks can just flip-flop the accounts charge multiple overdraft fees when Ive had a positive account with them for over three years and its been mainly positive since XXXX now I have to switch to another bank and get my money back I actually have an account to use it does not make sense. Nothing adds up to me at least can you go for a positive {$3000.00} suddenly {$3000.00} negative in one day when there wasnt even any pending withdrawals that would add up to that balance. This has been happening for weeks. If anybody can help me that would be great if not if Wells Fargo can not help me in the situation, then I shouldve never banked with them to begin with.

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 2022-07-11
Company: EQUIFAX, 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:
XX/XX/XXXX, I submitted an online dispute with XXXX regarding an account on my credit report that I was not familiar with name XXXX XXXX XXXX XXXX XXXX. account number XXXX... I requested a copy of the original agreement for this account which turned out to be a pay day loan of some sort. NO supporting documents were sent only an updated copy of my credit report. 

XX/XX/XXXX, I sent a certified letter to all 3 credits bureaus for them to check into this account and to have the company provide written proof that the account belonged to me and that I signed to have this unknown account opened. When the credit bureaus sent the report back I never received supporting documents that the account was mine and the information was never fixed on my report. In addition to the information not being updated/ verified XXXX reported and shows that this account was Placed for XXXX, XXXX shows the account was opened XX/XX/XXXX and Equifax shows the account opened in XX/XX/XXXX. 

The information that they have provided does not match. How can 1 Bureau report that the account was opened in XXXX and another one report that it was placed in collection in XXXX. The information is not valid and per the Section 611 of the FCRA, this is in complete violation of my rights that this account was not investigated and sufficient proof was provided. Section 611 states, " ... ..of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: CarMax, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On your site you guys stated that a downpayment isnt a requirement. But then ask me for downpayment on which was intentionally misleading after you guys stated a down payment isnt a requirement and some I feel thats false advertisement It shall be unlawful for any person, partnership, or corporation to disseminate, or cause to be disseminated, any false advertisement and not only that but a violation of 15 USC 1662 ( 1 ) and ( 2 ) just to switch the terms in order to defraud me which I cant seem to get over but not only that I dont see how you going to take a cash payment inside of of a credit transaction which i was in fact entering which a finance charge was going to be imposed which is the sum of all charges, payable directly or indirectly by the consumer to whom the credit is and extended, and imposed directly or indirectly by the creditor as a incident to the extension of credit addition to you guys pulling my credit report, i noticed third parties also pulled my credit report, all of them in violation of the FCRA as none of them is a creditor in such assignment transactions ; you is by law the only creditor but, by having no intention of extending the credit disclosed in the RISC, which you violated the FCRA at 1681b. 
And Under TILA an assignee is not a creditor. The credit-offering seller is the only creditor. An assignee is an entirely separate entity who assumes the creditor 's rights under a RISC if it chooses to accept assignment. If an assignee rejects assignment, the creditor continues to be liable under the RISC. 12 C.F.R. 226.2 ( a ) ( 17 ) ( i ) And as if you was trying to collect payments on a extension of credit would that be possible allegations of violations of 18 USC 894 im very horrified how the way you do business I wish you guys do more business and good faith instead of trying to defraud consumers especially with inflation going on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of these and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$310.00}, XXXX XXXX Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}

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 2023-01-16
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
HI I a freshman student trying to build credit score I applied for discover credit card in XXXX end, after receiving the card while I was trying to activate the card I was told that my account was closed and I need to get rid of the card and reapply again.The reason they provided me for my card cancellation is that they asked me for some tax return documents which I do not have since I am a freshman. It has been 3 months since I try to apply every 10-15 days but I can not do so. And after having a word with the company several times I was told that there is nothing they can do. Also, due to this reason I am not able to apply for any credit cards available in the USA.

Company response to consumer: Closed with explanation