BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-25
Company: U.S. BANCORP
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: Their investigation did not fix an error on your report

Complaint:
There are two US BANK?? credit cards on my account shown and one of them are in good standing, and one is not mine, and try to fix it but coming back verified as correct but it is not correct its showing our joint account I am married to XXXX XXXX thats my spouse your other account shows the account US BANK Im disputing shows joint Responsibility this account was never mind at all, My report is very good until I saw this on my report and tried to disputed. 

US BANK XXXX {$10000.00} Opened XX/XX/2015

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: ENCORE CAPITAL GROUP INC.
State: PA
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 incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21
Company: EQUIFAX, INC.
State: NC
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:
Account has been paid I want all negative remarks removed and to reflect all positive payment history. I want all accounts to reflect paid off.

Pursuant to 15 U.S. Code 1692e, 15 U.S. Code 1692f, 15 U.S. Code 1692g, hjr 192 public law 73-10, 12 U.S. Code 411. Article 1 section 10 United States America republic constitution

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am being bullied and forced into foreclosure or bankruptcy by Chase.I qualify to assume my deceased mothers mortgage which I have paid on time since XXXX, but they will not modify the loan, even though I have been accepted into Chase Banks Assumption and Modification program. 
I need to use XXXX in equity out of the XXXX in equity existing in the property and extend the repayment. Without this modification its going to force me to bankruptcy or foreclosure even though as I said, I have the ability to repay my debts if they would modify the loan. 
Since XXXX I don't qualify for a mortgage anymore even though I am current, have a XXXX credit score and pay {$970.00} per month currently under my deceased moms name. That payment is based on XXXX, financed in her name in XXXX. 
Now I owe XXXX on a house worth as high as XXXX per their own value assessment. In reality its worth XXXX, that's XXXX in equity. I want to use XXXX XXXX of my own equity, add it to the XXXX owed, and make payments on XXXX for 30 years at 4 %, which is XXXX XXXX  monthly, plus my taxes etc. of XXXX XXXX  monthly, or {$970.00} per month, all creditors paid off, still their customer, raise my XXXXredit score and remove {$750.00} of MINIMUM payments per month now, the thing forcing me into bankruptcy/foreclosure. I can't afford the mortgage payment AND the minimum card payments, why can't I use my own equity to solve this problem and avoid bankruptcy! Its win win for XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My credit score dropped by 90 points in 30 days. The reason given on my credit report is that I have a delinquent account. This is inaccurate. I have no open accounts that I currently owe any balance.

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 2018-07-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I signed up for an XXXX XXXX XXXX about two years ago. Fees were added to this account that I was not made aware of until it reached collections. I never received a physical hard copy of an XXXX XXXX card in the mail. The two times I used balance from an XXXX XXXX account is was by in person contact with a sales associate at an XXXX XXXX store. The sales associate asked me if I signed up for an XXXX XXXX card, I said yes but I do not have the physical card, the sales associate replied and said its okay I just need your phone/ email, then I was charged virtual accordingly. Again. I have never received any XXXX XXXX card in the mail. I am willing to pay for the purchases that are on this account. However, the added fees is something I was not made aware of until it reached collections. I have contacted the President of XXXX XXXX regarding this matter. I am a college student desperately trying to establish credit for my future. Again, I will pay for any purchases before the fees were admitted to the account. Thank you.

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 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The status is incorrect for the following account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: OH
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 disputed the NORMAL route they considered it as VALID and meeting FCRA requirements and left this damaging account on my credit file. 

The fact that credit bureau 's took the creditors word for it that the debt was valid also holds them ACCOUNTABLE! 

I can take legal action against all parties that FAILED to do their DUE DILIGENCE AND verify my claims that the debt was inaccurate. 

Inaccurate includes open date, and date last active.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
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:
In XX/XX/2019, I changed the registration of my vehicle from South Carolina to Georgia. My lender, Nissan Motor Acceptance Corporation, has a policy that requires borrowers to obtain the title through a third party - XXXX. The XXXX XXXX Tax Commissioner would not allow me to obtain the title in that manner. The Tax Commissioner claims that they handle thousands of title changes and the lender always cooperates with their process. The lender will not cooperate with me, and will not even provide a response to the tax commissioner as to that fact. This lender needs to conform its policies to adhere to state and local laws regarding vehicle registration. Additionally, there needs to be resolution as to how many borrowers were able to register their cars by cooperating with the tax commissioner and how many were required to use XXXX. It can not be one way for some people and another way for other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: EQUIFAX, INC.
State: TX
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:
This is in reference to consumer Financial protection Bureau # XXXX XXXX. XXXX XXXX XXXX responded in XXXX that this account was placed on the credit report in error. I have contacted XXXX and all 3 credit bureaus. XXXX and XXXX has updated their files. Equifax has not. The account is still showing. I contacted XXXX they're short me that they had sent an electronic email to all 3 bureaus. I contacted Equifax and Equifax told me they had not received anything. I'm getting the runaround. Please have Equifax delete the account as requested by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX I recently applied for a mortage through XXXX and I also paid to see my own credit score and I am denied access to my Equifax credit report. I called the customer service number and they could not provide me any resolution. I went to my bank and faxewd over the required document. I am the owner of my credit and should not be denied access. Additional my information should match the information I provide. Additionally I feel I am being blacklisted by the actions of Equifax. i would like to know how my information has been establlished incorrect as I am now XXXX  years of age. I have had credit cards and other items using, my credit why is Equifax hold my info hostqage??? XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Netspend Corporation
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I have been locked out of my PayPal prepaid MasterCard account all my weekly pandemic unemployment goes into everyweek. It has been weeks since I've had access to my account I have bills to be paid. I have called and ordered a new card repeatedly. I have updated over the phone repeatedly my address my social security number and Everytime j call they say they have no way to verify my account but then they gave me a special reference number XXXX in order to verify because I literally called so many time and complained and once again today after 10 of card already supposed to have been sent to me express that I paid extra shipping for did not arrive I called again XXXX XXXX XXXX and even with giving them the reference number they say they can verify my account because I cant give them my most recent deposit amount because I can't get I to my online portal to see my account which is why I'm calling them and then I can't verify my account cause they are saying the info I'm giving them is I correct but it is correct cause the previous time I called they promised they corrected it and gave me that reference number to use just in case ... I have over XXXX dollars stuck in my account and I need my money and I'll be filing a police report as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 money was sent from my stolen phone to an unknown number. Called the bank as soon as it happened said I had to call later in the day. as it was early on in the day. Bank says it was an authorized charge as it was done using my phone. But, I had explained my phone got stolen super unfortunate that I also paid XXXX dollars to retrieve the phone back and unable to receive my funds back. Ive been a chase costumer for about 5 years this is insane. The total amount removed from my account using XXXX was XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
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: Was not notified of investigation status or results

Complaint:
I sent a letter on XX/XX/XXXX, like 60 days ago requesting an investigation into an inaccurate account I saw on my credit report. Then I sent a follow-up letter on XX/XX/XXXX asking that they comply and tell me the results of the investigation. I still haven't received a response on my dispute. I feel like they are ignoring my consumer dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
The Car company ran my credit without my permission. I already got my credit ran from my credit union and a pre-approval letter given to me by my personal banker for me to purchased the car on XXXX XXXX. They still proceeded to run my credit through multiple finance companies after i had showed them the approval letter of the amount that my credit union would give me including the apr rate. The amount the credit union approved me of was XXXX. No action was taken by them yet on the inquiries they put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
See XXXX. Subsequent investigation indicates that TCF bounced a check despite having retained {$1200.00} from dishonored deposit and then charged {$37.00} for the honor. The attached ledger shows the credit for XXXX on XXXX, then check # XXXX coming in on XXXX, that should have been paid, then companion check # XXXX for XXXX to XXXX out the account XXXX that WAS paid, then an overdraft fee of {$37.00}, with the {$1200.00} disappearing from the ledger despite not being paid, and TCF seeming to assert to CFPB that the {$1200.00} was stuck at TCF until the XXXX asked for it back, which I intend to help engender but not in the manner TCF might anticipate. 

I have screen shots that prove TCF had accepted the $ from XXXX, pretended they did not, while shifting the XXXX around and creating doctored ledgers and bulloney verification requirements such as that attached, apparently to prevent me from withdrawing the funds so as to afford themselves a prohibited float and unconsented loan. I have complained to Chemical in XXXX and think this is the doing of TCF leadership, and occurred on a widespread, profitable basis at consumer expense with monies that were EMERGENCY funds that were to be distributed, not distrained, prior to being fully absorbed by Chemical. 

I demand a referral to the FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Santander Bank indicated that the block placed on my XXXX XXXX  Checking account ending in XXXX and my Santander Savings account ending in XXXX were removed from my accounts on XX/XX/2020. 

However that's a false claim. 

Since XX/XX/2020 I've made multiple attempts to login to both my Online Banking & Mobile Banking but both platforms remained locked by Santander Bank. 

To the Best of my knowledge, Santander Bank continues to lie to both to the Consumer Financial Protection Bureau ( CFPB ) and to the Office of the Comptroller of the Currency ( OCC ). 

Such actions by Santander Bank constitutes a clear violation of Banking Laws.

If Santander Bank continues to lock my Account, I'll have no other option but to file a Lawsuit against Santander Bank at the United States District Court for the XXXX XXXX of New York..

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 2019-04-25
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:
I have previously filed a CFPB regarding XXXX XXXX and it was resolved to my satisfaction. However, Equifax is not removing this negative item and it is harming my credit score. Therefore, I am filing a new complaint against Equifax because I have tried to fix this issue with them and they are still reporting this. I have attached an audio file from the bank to support the removal of this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
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 noticed a unauthorized inquiry on a XXXX XXXX credit card. I believe someone used my identity to try to get a credit card. I also filled an FTC report because someone filled me for taxes.

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 2020-02-21
Company: EQUIFAX, INC.
State: CT
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:
Noticed several accounts that I have never done business with on my credit report. They list as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I believe these accounts have been obtained fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

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 2021-02-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
The company Portfolio Recovery rep name XXXX XXXX, calling from XXXX, continues to call my place of employment despite being told numerous times to not call my place of employment as I am not taking personal calls at my work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05
Company: Amsher Collection Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/XXXX. I sent a letter to AmSher stating the following : 1. Discontinue calling me because I do not feel comfortable being asked to verify my address, last four digits of my social security number, nor name to someone that has randomly called my phone. During the call prior to the letter the AmSher representative became argumentative and unprofessional. I asked within the letter to be contacted via USPS Mail only and provided my address for mailing. 2. I am disputing the debt and request validation and verification of the debt. I am also requesting verification that AmSher has the authority to contact me and attempt to collect the debt. XX/XX/XXXX. I received a call from AmSher 's representative who's name I can provide in a secure setting for privacy reasons. I explained to him that I sent a letter the previous month and he indicated that he confirms that I sent the letter but that it was a verification/validation letter. He became unprofessional and asked me if I planned on paying the debt since I had not paid the debt in four years. I asked him to send that to me in writing and if the call was being recorded that I am requesting that in writing because it's a false statement. I just discontinued service with XXXX in XX/XX/XXXX therefore it's impossible for me to have not paid the debt in four years and if they are stating that then I want to see that in writing.

I have requested from AmSher and from XXXX an itemized written statement of my last two months of account history. I am requesting this because I believe that I do not owe this debt. However ; no one has sent me anything except an invoice which is not itemized. I'd like to resolve this issue as soon as possible and request that I do not receive any more calls from AmSher again as it has become very abusive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation