BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: JPMORGAN CHASE & CO.
State: NY
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 had three credit cards with chase. I had financial hardship and couldnt keep up paying all three of my cards. One of my chase cards i fell behind on the payments and they closed that card. The other two cards were in good standing, no 30 day late payments on my credit reports, chase decided to close those cards as well. Before they closed those accounts, they lowered my credit limit which triggered my untilzation to go up and eventually they closed my account. Chase bank also charged me interest on all the closed accounts, they also are charge me late fees on the closed accounts that they closed. After chase closed my accounts this triggered XXXX XXXX not to issue me a new XXXX XXXX XXXX XXXX that was expiring because they saw the reporting of chase closing my accounts. My XXXX XXXX was in perfect standing as well by the way. Now my credit is gone and im left to pay credit cards that keep accumulating interest and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: FL
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:
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 


XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX DPT ED/XXXX Account Number : XXXX Delete this account. 


XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 


XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: CO
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 XXXX  account 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 account without my written instructions

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 2020-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 already filed a complaint against Bank of America. # XXXX ; OMB # XXXX. Bank of America still refuses to return my money from Collections etc. that I have done everything I could to prove they fraudulently took over XXXX $ of my money. 
Furthermore, while investigating my credit reports I have discovered that BOA has been purposely incorrectly reporting that I have been carrying high balances and not paying on my credit card for years! I have filed disputes as I never ever carry balances and I always pay off my card every month. XXXX and XXXX  disputes are being taken care of as XXXX and other federal agencies are also involved for some reason XXXX still is not being fixed. 
There is a XXXX XXXX from BOA who refuses to call at a time where I can actually return her call. She refuses to return her emails. Again, I am at my wits end. This XXXX is supposed to be a Resolution Specialist of Regulatory Complaints XXXX ext. XXXX I would like my money back from Collections etc. Which is in excess of over {$200.00} and from the fraud that I reported from the XXXX account $ XXXX.I am also expecting BOA to fix their nonsense and correct all information on my credit reports. They have been lolligagging for far too long.

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 2018-02-09
Company: Law Offices of Timothy E. Baxter & Associates, P.C.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/18 I received a credit alert from XXXX that a new hard inquiry was on my report. When I checked it was from the Law Offices of Timothy Baxter stating I applied for a new line of credit. I have never heard of or authorized this company to access my report. I immediately contacted the company and was told by XXXX they dont need permission to run my credit. I then called XXXX who removed the inquiry and placed a freeze and fraud alert on my account. Come to find out this is a debt collection agency attempting to collect an old debt HOWEVER they should not ran my credit as an attempt to say I applied for a new line of credit which I never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: AZ
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:
Equifax is reporting an obsolete credit account which can not be legally reported after 7 years. Request permanent deletion of all XXXX XXXX XXXX XXXX account XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: CITIBANK, N.A.
State: LA
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:
On XX/XX/XXXX I paid on line my Citi Double Cash credit card via withdrawal from my XXXX XXXX checking acct. On XX/XX/XXXX my XXXX XXXX checking was hacked and the checking acct. was frozen. The payment was stopped by XXXX XXXX going to Citi. I have kept Citi updated by telephone daily and have wanted to pay my balance that I owe Citi.They keep telling me the computer will not allow me to pay the balance previously sent in on XX/XX/XXXX. Today they told me I would not be allowed to pay this balance until XX/XX/XXXX. I am afraid that on XX/XX/XXXX they will have another excuse why I can not pay the balance I owe and I will incur a late penalty and interest on the balance owed. All I want to do is pay what I owe Citi

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 2023-08-13
Company: Experian Information Solutions Inc.
State: UT
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 HAVE CONTACTED XXXX AND EXPERIAN AS WELL AS XXXX TO DISPUTE THE FRAUDULENT ACCOUNT LISTING ON MY CONSUMER CREDIT REPORTS AND SENT THE SAID ABOVE COMPANIES THE FTC REPORT IDENTIFYING XXXX XXXX XXXX XXXX ACCOUNT TO LET THEM KNOW I DID NOT AUTHORIZE THIS ACCOUNT TO OPENED SO FAR I HAVE NOT HAD ANY POSITIVE RESULTS. 
IT'S BEEN OVER 30 DAYS.

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 2023-03-08
Company: ALLY FINANCIAL INC.
State: CA
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 disputed a charge on my credit card and was denied and they asked for additional evidence. I submitted the additional evidence but it was outside of their time frame. The only reason I was late to submit this information was because they mailed me the information about the case, even after I requested that they send me a message online. 

I had two fraudulent charges from a rental car company and I had the contract to prove it. I submitted the contract and they told me that it was outside of the timeframe for submitting new evidence.

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 2021-12-12
Company: EQUIFAX, INC.
State: MO
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 three reporting agencies ( XXXX, equifax and XXXX XXXX have reporting a bankruptcy in error. They are you a company ( XXXX XXXX ) to verify the information thru public records. This is against the verification rules. Public records can not be verified or checked for errors. The US bankruptcy courts provided me with a letter stating they do not verify nor provide any information regarding court proceedings. Therefore the agencies can't properly verify the information in credit report. By doing so the are violating federal law and XXXX rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my XXXX and Transunion reports as well so in order to correct the inconsistencies between the XXXX, XXXX, and Transunion credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$770.00}

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 2020-02-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian is reporting incorrectly that I am ( 90 ) days late on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-07-21
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$63000.00} ; XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX XXXX Owed : {$2900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12
Company: DISCOVER BANK
State: CA
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:
Dear, I had two accounts with XXXX annually paid {$110.00} couldnt cancel expired on XX/XX/XXXX and monthly {$39.00} was canceled on XX/XX/XXXX after infecting with XXXX, both subscription under XXXX the monthly {$39.00} originally charged with Discover card ending XXXX after getting infected with XXXX my card was hacked and changed ending XXXX same discover card i call the number XXXX and canceled but my card was hacked again and it changed to XXXX but at time XXXX  didnt have the new number only XXXX after Cancelation It seems discover credit card had policy to pay recurring charges and they thought it was recurring and still was paying It till XX/XX/XXXX and i was in fight with my life because of XXXX until i called Discove again and disputed the charges after calling XXXX still has the old card on file XXXX on XX/XX/XXXX, they credit me all charges but today i was charged 6 charges on XX/XX/XXXX because XXXX only they can go up to 3 months to credit me and still have the annual account but is not renewing again I really believe XXXX never had the card ending on XXXX, they couldnt cancel It and my daughter and never Received an email from them and she is XXXX helping XXXX patient at XXXX nor I XXXX and we thought it was cancel it. I think it fare to refund my monthly from XX/XX/XXXX to XX/XX/XXXX because it was canceled by calling them XXXX and he never did and we never logged in to both accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Capital One bank allowed {$7000.00} from my account for a check that has no resemblance if my signature .I never wrote the check. They have absolutely no excuse for accepting such an obviously fraudulent check. Even after being so careless, they wouldn't even agree to give me temporary reimbursement till they finish they're over extended investigation. In addition to that they make in virtually impossible to speak to anyone or complain about it, by not giving any serious means of contacting them, for the one number they provide never has anyone picking up the phone, leaving you hanging for hours. I Don't think a bank should handle other peoples money like this, especially when it was completely they're fault. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of credit report below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started working with the Wells Fargo private mortgage broker on XX/XX/2021 to refinance my property leveraging the low-interest rates. The broker was very kind in working through different scenarios to show the product options available to me in my location ( TX ). After all the due diligence with Wells Fargo and other institutions, I decided to select the 10/6 ARM@ 2.625 % interest rate offered on the written product quotation from Wells Fargo on XX/XX/2021. Upon confirmation that I selected this option the same day, the private mortgage broker instructed me to go fill out the application through the online portal. I completed the application the same day ( where I also selected the 10/6 ARM on the online portal after entering all my information and authorizing a hard credit pull ). On XX/XX/2021, I was notified that Wells Fargo does not offer Adjustable Rate Mortgages in Texas, and I needed to select a Fixed Rate option ( which were all quoted at a higher interest rate ). The comparable fixed-rate mortgage option quoted to me is a 3.000 % interest rate, which is a 0.375 % increase over the original option I had selected. Not only did the mortgage broker offer me the adjustable rate mortgage, but I also applied online through the Wells Fargo portal and also selected the 10/6 ARM at that time. There was never an error or message stating this product was not available in Texas. 

The product offerings over the XXXX weeks of quotations were completely misrepresented from Wells Fargo and has now left me in a position where I can no longer a competitive rate in the market. I have also spent XXXX week getting passed around to different representatives who basically act as if they have no information of the issue. It is like starting from square one with each conversation. Time is of the essence, and I am not getting any resolution. This is an issue in Wells Fargos system. They have professionals dedicated to knowing the legal restrictions in different locations. No one restricted this prior to me locking in the 10/6 ARM at 2.625 %. The website even let me select the 10/6 ARM after I entered my address ( specifying Texas ) and authorizing a hard credit pull. This is a Wells Fargo mistake and they need to honor the 2.625 % interest rate they committed to me.

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