BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-02
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
Chase bank has been reporting incorrectly to the credit bureaus. I opened my Chase Card on XX/XX/XXXX, received my card on XX/XX/XXXX. On XX/XX/XXXX I pre-emtively notified a chase representative regarding a large purchase I planned on making that after noon. My account was notated, and the representative cleared my account to make the purchase. 
While attempting the make the purchase my card was declined. Highly embarrassed and frustrated considering the fact, I was assured my account was cleared for large purchase, and secondly this happens while with a business partner. - I cancel my credit card. 

I call chase to file a complaint, I was reassured I would no longer experience such problems. I decided to reopen my chase card. I make the purchase aforementioned. *This is where my problems start* The end of XX/XX/XXXX Im notified that Chase reports a high utilization to credit bureaus- subsequently dropping my credit score 60 points. I call chase again for further clarification, was told my statement date ended on XX/XX/XXXX. Which leaves me even more confused. ( How can a statement account close, in less than 30 days of it opening? ) Nor was I ever informed statement close date -until it was reported to credit bureaus. 

*My wife and brother-in-law both have chase cards 9 total and both having closing date at least 30 days of the original opening date furthermore my brother-in-law opened the same type of card the same day as me but his closing date was 30 day while mine was 2 weeks from opening. 

The representative stated my closing date going forward is the XXXX of every month. 
Second Issue : My account closes with a negative balance of ( {$0.00} ) on XX/XX/XXXX. I receive an alert from the credit reporting agency, On XX/XX/XXXX chase reports another High utilization balance of {$2900.00} resulting in yet another 36 point drop in my credit score. ( See attached ). 

I take great pride in my credit & my finances, I use spreadsheets in order to keep me organized. Sadly, I have no issues with any other credit card company except Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: State Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original creditor was XXXX XXXX  for a XXXX  XXXX  taken on XX/XX/18. The requisition letter specifically indicates XXXX was to charge the provider directly, XXXX XXXX XXXX. Instead of billing XXXX as they should have, they attempted to bill my insurance, which was likely an old insurance carrier they had in their system. According to XXXX, XXXX kept making billing mistakes and so they stopped sending paper bills to XXXX clients altogether around this time. Either way, this was reported in XX/XX/XXXX of this year. When I found out, I notified XXXX, XXXX, and the collection agency that it was in error. The error was confirmed by both XXXX and XXXX - this bill was not owed by me ever. The account is marked as closed but it should be completely removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: GLA Collection Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Called by collector XXXX XXXX [ with GLA Collection Co. ( XXXX ) XXXX ] about medical account for XXXX  XXXX due to inpatient admission of my daughter, XXXX XXXX ( admitted XX/XX/XXXX - XX/XX/XXXX ). He advised that bills were returned as bad address. We discovered the bills were being sent to zip code XXXX instead of XXXX ( these locations are approximately 400 miles away ). I advised that I would be happy to pay the bill, but required an itemized list of charges to satisfy records requirements for my Health Savings Account. He said he would send them to me, although to date he has n't. However he advised that unless I paid now, this would be reported to my credit file. I told him I need to review the bills and since they were sent to the wrong address at no fault of my own, I am not delinquent. He insisted that unless I paid immediately, my credit would be damaged. He told me he had been working in this industry for 25 years and was certain I was at fault and even if I disputed, it would n't leave my credit report. He then proceeded to inquire about my employer. I contacted XXXX XXXX and took care of the matter with them, paying the bill in full.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
From XXXX to present I have complaint and made several attempts to correct the inaccurate information by way of CFPB and the three Credit Bureaus. I have not problem with XXXX XXXX XXXX not reporting monthly to the bureaus, however the truth in lending should prevail. 

I've had a mortgage with this company since XX/XX/XXXX, which is current and in very good standing. I did a loan modification in XXXX and in XX/XX/XXXX I filed for a Chapter XXXX which discharged in XX/XX/XXXX. 

During that time my attorney and I was not notified that a reaffirmation was needed, XXXX  XXXX XXXX has taken a position not to report to the credit bureaus because of this ; however, the way they have chosen to report is the crux of the problem. 

They reported that my loan ( XXXX ) closed in XX/XX/XXXX, which is a total fabrication. I have no problem with them not reporting monthly. However, they conveniently omit I am currently paying this " SO CALLED '', closed mortgage at $ XXXXsince the said closing. 

I want them to tell the truth ... that I am paying as agreed and nothing else ; sense it is their position and prerogative not to report monthly. Instead of fabricating and falsifying damaging lies in the interest of fair reporting I demand that they tell the truth, a statement of " paying as agreed '', is not ask in too much. Because it is the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Date reported was XX/XX/XXXX. Last reported on XX/XX/XXXX. This is a collection agency. I paid the balance in full. Collection should be deleted off all credit bureaus. Contacted the company and they never deleted it! Still hurting my credit scores. They remarked this account to the credit bureaus only paid in full. Should be deleted 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 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX, XXXX XXXX, and XXXX XXXX I notified the credit reporting agency that I was a victim of Identity theft and that the account listed on my credit report under public records for a dismissed bankruptcy was inaccurate and incorrect. I sent the credit reporting agency letters from both my tax collector office and the Bankruptcy court the creditor is stating validated this information as proof that this public record was incorrect, inaccurate and should not be on my credit file and the credit reporting agency has refused to furnish information on how they are validating this debt and remove this inaccurate and incorrect information from my credit report. I am now in emotional distress and losing job opportunities due to this inaccurate and incorrect information on my credit report. I did not file a bankruptcy and it does not belong 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
Consumer complaint received 2017-11-14
Company: Diversified Consultants, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have told them to not contact me through phone, mail, or email, and I have continued to receive communication through phone while I am at work constantly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$26000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: GREAT LAKES
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I had two loans with Great Lakes, one XXXX Plus and one private. In 2013, the  co-signer of the private loan paid off their balance and I was left with a balance of {$9000.00}. Great Lakes wiped the {$9000.00} off my account and I was only left with the XXXX Plus loan. <P/>In XXXX, I applied for a consolidation loan of all my federal loans and chose GL as the provider. They added on the old {$9000.00} from the PRIVATE loan to my consolidation loans and did n't tell me. Repeated attempts to find out why they added {$9000.00} to my federal consolidation loans have gone unanswered. <P/>This is a criminal act and needs to be looked into.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
I went to transunion.com and logged into my account there. I tried to access my credit report however there was an error and it suggested that I contact their customer support. 

I called their customer support at ( XXXX ) XXXX-XXXX and reached someone with a very heavy accent that I could not understand. I decided to hang up and call back again. I dialed back and this time the person had a very thick XXXX accent. I again hung up and called back a 3rd time and I was able to understand the representative 's accent. I proceeded to ask the rep what country is the Transunion customer support located in. He told me they are located in XXXX XXXX. 

Social Security numbers are our most valued cherished number we have. You only get 1 in your lifetime. For a major bureau to have their support located in a 3rd world country and for them to insist for me to give them my Social Security number or they can not help me is very un settling. Is TransUnion trying to follow XXXX and give out everyone 's Social 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 non-monetary relief
Consumer complaint received 2017-12-29
Company: DLC, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
As stated you did not answer any questions or respond to my statements. Per your response in XXXX it stated to make 1 payment a month interest free for 6 months. Not one place dos it state a minimum. payment. That is the issue at hand. I made 1 payment in XXXX. And when I went to make a payment in XXXX online it would only accept a payment of XXXX. Nothing less. Now it is XXXX or nothing. You gave 6 months interest free to pay off sine I have already paid you XXXX on XXXX loan and still owe you XXXX. You were not specific on payment amount just pne payment a month. And this second email was not in regards to any calls it was in regards to you reporting late on credot report when making a payment a month when you never specified amount just gave me 6 months. I made a payment in XXXX and your system refuses tp accept any payments I have tried to make in XXXX. So you are lying and I am not 30 days late and I am thinking I will just send this to CA attorney general now and small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Experian Information Solutions 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:
On or about XXXX XXXX, XXXX I called Experian after receiving my credit report and noticed an extreme amount of inquiries on my credit report. I asked them to be removed because I didnt give any of these companies authorization to run my credit. I was told by a representative that they would not be removed off of my credit report. The inquries are as followed : XXXX : XXXX XXXX, XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I SPOKE TO THE COURTS AND THE CLERK VERIFIED THAT DON'T REPORT TO THE CREDIT BUREAUS. I KNOW I HAVE BLOCKED MY REPORT SO I'M CONCERNED WHERE THEY ARE PULLING THIS INFORMATION FROM SAYING IT IS VERIFIED. PLEASE PROVIDE ME THE ACTUAL PETITION WHERE THEY ARE GETTING THIS INFORMATION FROM. 
INACCURATE CITY AND STATE MUST BE LISTED IN THE COURT NAME FOR IT TO BE LISTED ACCURATELY. SHOULDN'T BE NO ABBREVIATIONS, FILE # 'S NOT ACCURATE, FILE DATE .BKPT NOT ACCEPTABLE.SEE ATTACHED THE VIOLATIONS!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Public record information inaccurate

Complaint:
On XX/XX/2019 I viewed an update copy of my credit reports and noticed that Capital One Is reporting incorrect information on my credit bureaus file. Capital One is reporting that this closed Credit Card account has been included in a Chapter XXXX Bankruptcy. I have previously on " XX/XX/2019 '', " XX/XX/2019 '' and XXXX XXXX disputed this closed credit card account directly with Capital One. Capital One responded back to me each time that I am claiming " Account Fraud '' and that they will not investigate due to limited information. ( please see attached letters from Capital One ). 
I have never documented in any of my disputes to Capital one " Account Fraud ''. I requested to them in writing that they are reporting incorrect information to the credit bureaus that should be deleted immediately. Capital One last reported this incorrect information on XX/XX/2019. As of XX/XX/2019 I do not have an active or closed Bankruptcy filed under my name or my SSN. ( Please see highlights on attach file showing Proof of no bankruptcy file. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
My Capital One account XXXX was closed without notice. I was not called or emailed about account. 

My checking account was hacked and my account was closed. So my payments that I had submitted did not go through but no one from Cap One contacted me to verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2019 I sent a dispute letter to Fed Loan Servicing about the student loans they claim I owe. I asked them to send me verifiable information for the accounts and the information that they sent me did not constitute the {$210000.00}. They sent me a promissory note from a school and had a lot of information redacted and if this was supposed be a document that was mine it should not have had information withheld and if one school has charged this amount of than they were doing some money laundering and should be charged Federally. They sent me an itemized bill, which is not valid proof of verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. I sent this information to Fed Loan Servicing and they continue to report negative information to my report and did not respond to my letter. Their reporting is a violation and continues to prevent me from moving forward with my life and prevents me from finding means to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have {$260.00} in my Paypal account. Paypal emailed me to inform me that my account was blocked by them and that i can not use my money for six moths. They don't want to give me any information upon why my account was blocked and i can not retrieve my money from the account at this point. 
I want to finish my business with Paypal and get my money from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-15
Company: Continental Finance Company, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, it appears that someone has opened an account in my name. The company is called Contential Finance. The card is called the XXXX card. I need this removed from my credit report as it is not mine.

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 2017-11-15
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Prior to the date of XXXX XXXX, XXXX, myself and Navient came to an agreement for all of my loans for a monthly payment in order to avoid any of them going into delinquency. Prior to this call I had attempted to make numerous payments to them which went on for months with which they would not accept. They stated for me to wait for the documents in the mail that I would need to sign off on them and then send them back in order to finalize our agreement. I waited for the documents and then when I did not receive them I called the company to reassure that they had sent them out. The representative stated that they do not send documents in the mail and that the account is now in delinquency status and that I was late on a payment following our agreement. I then stated that the previous amounts had been agreed to be forgiven and that they were going to start from scratch with me beginning in XXXX, but that I was supposed to be receiving the documents. I never received the documents and they stated that not all loans are going to be brought out of delinquency status. I stated that I was in school getting my XXXX XXXX XXXX and that I had been accepted into the doctoral program and I asked if they defer me further. I asked for a full investigation into this matter and for all phone calls that I have ever had with Navient to be fully investigated. They then stated that they went back to several dates and that they had determined that they agreed on a fixed amount per month for one loan, but not all loans, and that they had not stated that they were willing to start from scratch with me in order for me to be able to make payments based on what I had experienced with them in terms of trying to make payments and them stating that they would not accept it. One stated to me that they would not tell their employees to say that they would not accept a payment. They stated that I had some how used up my deferment status. I feel like one person against those that run this business that have incredibly deep pockets and that they are taking advantage of the fact that they have the ability to not have to live up to par with the law. Lastly, I received a call from them for a payment and it turned out that my father stated that he had a payment and they too had stated that they had not received a payment and my father was correct that he had paid on my behalf.

Company response to consumer: Closed with explanation