BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, On XX/XX/XXXX was conditionally approved for a chase mortgage refinance. On XX/XX/XXXX after three months of financial inquiries I received a verbal after weeks of asking for an update my refinance is being declined and I will not be refunded {$500.00}. The reason for the decline is because I do not have a sale agreement to support the payoff of an auto loan in my account and the check is written directly to me. What is even worst Chase was not aware of the payoff as it was not on my credit report and shared with them so they can include in financial responsibility re adjustment. I am being informed the {$500.00} is not being refunded due to fees incurred, but every week I was following up and would not hear back for days as the front line rep was constantly waiting on under writing. One fee they are staying is appraisal which was {$350.00} but they fail to inform you they charge you an extra {$50.00} because the company they use charge them this. Appraisal was conducted too early and should have been done once all financial reviewed were completed so the customer does not incur and unnecessary charge if they are declined for financial reasons. Additional, they submitted my items to title company who has called my employer three times wanting me to complete information with me which I am sure is a cost as well. Received a call from the in XX/XX/XXXX the same day I received a verbal decline. At this time I am only asking for chase to refund me back {$500.00} as the fee incurred where unnecessary and due to there internal process failures. When you have at least 3 people changes and no telling what is occuring in back office which makes them take weeks to respond to simple feedback a customer should not be penalized for this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Wakefield & Associates is reporting 3 collection accounts that I'm not liable for. The original creditor states that the contract was cancelled. I sent a formal dispute along with my identity theft report to them and the credit bureaus but they still have not updated my report accordingly. I have done everything to show documentation of the facts which is that these collections are inaccurately being reported by this collection firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had 2 accounts on my credit with Doctor Business Bureau.  Called again XX/XX/XXXX to request detailed info, they would not release the info nor send me info in regards to these accounts as they state on their end shows in dispute, would not advise when it was opened. I advised per my credit report I don't see an open dispute. They went on to give me the name on the account which happens to be my maiden name which I do not go by for years now. I have not had services where they indicate these charges are. These charges are from XX/XX/XXXX. They stated I need to mail them my ID, ID Affidavit notarized and a police report for them to release from dispute and send me the info they have for me to confirm and review if mine. These 2 collection accounts are not mine and they are giving me hoops to jump thru in order for me to review what is on my credit and putting on my credit which does not match my name. One account shows UNPAID in the amount of {$130.00} and another UNPAID in the amount of {$180.00} Was given account number 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 2023-04-11
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've been going through the process of placing a credit freeze and alert on all of the big 3 consumer credit reporting companies. 

Generally, this has been straightforward : I make an account on their website, fill out my information, and click a couple buttons. 

Experian has not been so straightforward. When I make an account on their website, they refuse to allow me to use that account to freeze and place an alert on my credit. What they do is provide a service called a " Credit Lock '', which is a paid service that appears to be developed exclusively use to upsell uninformed consumers. It does the exact same thing as a credit freeze. 

However, they do also claim to provide the ability to place a credit freeze online. However, instead of using my existing online account with them like the other two organizations, this credit freeze requires me to re-enter all my information. Which would be fine, although annoying, if they were asking me to enter my information in good faith. 

They are not interested in acting in good faith however, because even when correct information is entered, they say that " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' Instead, they ask me to spend a significant amount of time searching for documents that they want physically mailed to them. And then ask me to mail more documents to them to place an alert. 

This practice is incredibly anti-consumer and appears to be specifically designed to make the process of not paying them for the legally-mandated credit freeze and alert as difficult as possible.

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 2023-07-18
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: Reporting company used your report improperly

Complaint:
These are following acts that violate the constitutional rights, U.S. 1581 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
Please send documents to Bank of America with correct email address for response. 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 monetary relief
Consumer complaint received 2019-08-29
Company: EQUIFAX, 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:
Non of these inquiries which I listed in Identity Theft are not belong to me. I did not apply for that banks and never gave my authorization for applying. Please remove all of them from credit report, because they are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30
Company: NRA Group, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received unsolicited text message on XX/XX/2020 claiming a balance owed of {$75.00} to XXXX XXXX. The agency reference number is XXXX. On, XX/XX/2020, the business informed the CFPB that they would mail proof of the alleged debt and a copy of the receipt showing paid in full. Sixteen days later, this has not been provided.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been having issues with my Capital One credit card. I had gotten this card some 12 years ago. The last 5 years, they had been charging me an annual fee of {$39.00} a year even though I've never requested this new feature. The problem is I haven't used this credit card in 5 or 6 years. So every year Capital One would charge me the {$39.00} fee. Every year I would dispute this charge stating that I never use this card unless for emergencies. This time, the customer service rep refused to waive the annual fee. He would not explain why. So I asked him to cancel my credit card which he promptly did. 

My problem is if I'm trying to obtain better credit, wouldn't canceling a credit card hurt my credit score? My question is how can credit card companies start charging annual service fees when you never requested it?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: OH
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 looked at my credit report and I notice these accounts below I do not recognize them they do not belong to me. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: RI
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: LA
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions 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:
I have asked Experian numerous times to please send me a signed copy the account that is sad that I opened a XXXX XXXX  account all the charges that were supposedly made by me I have never had nor open or gotten any items from XXXX XXXX. XXXX   and XXXX deleted this account from my credit report because they could not send me anything proving this was my account please Experian send me the proof or delete it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: United Collection Bureau, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
United Collection Bureau , Inc. Continues to contact me via phone and mail regarding a debt of {$27000.00} for XXXX XXXX Visa Card . I filed Chapter XXXX Bankruptcy with the United States District Court of Minnesota Bankruptcy Court and the debt was completely discharged under Chapter XXXX bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I recently got into a car accident where the vehicle got totaled. My insurance company is going to pay XXXX. I called the company to get a payoff quote so there is a XXXX balance with my insurance calls. Thats when I went back and looked at my contract and I was charge {$46000.00} for a XXXX  XXXX XXXX. I have been struggling to pay this monthly and have asked for extensions that Ive gotten granted only twice. They are only out for money and I feel like they are breaking the law with the 28 % interest rate that I did not notice. Granted I shouldve looked at my contract, but I was happy that I was approved for a vehicle at the time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: DISCOVER BANK
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Discover Financial Services continues to contact me regarding {$25000.00} of debt I owe to Discover Financial Services. I filed Chapter XXXX bankruptcy with the United States District Court of Minnesota Bankruptcy Court. The debt was completely discharged under Chapter XXXX. I dont owe Discover Financial Services any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, 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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: WELLS FARGO & COMPANY
State: FL
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:
On XX/XX/XXXX I took my XXXX to XXXX for a diagnostic they did not do so as I have their software and diagnostic tools as they sell it to the public. They didnt test out my XXXX or get the proper estimate they tried to make it a XXXX job when it simply a sensor that their own software was able to detect and my other mechanic was able to fix it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a collection from Kings Credit Service Account number XXXX balance is showing {$27000.00} on XXXX and {$460.00} on XXXX and not reporting on XXXX. can you help me out please. can you remove this account from credit report. 
Thank you XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
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: Was not notified of investigation status or results

Complaint:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and I am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes I sent out. Now please help me this because I will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been a victim of identity theft, these items that is on my credit I did not authorize.

this is very stressful I cant understand how this happen to me. I work very hard not to even use my credit. I need to put a lock on my credit files

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 2023-05-25
Company: NAVY FEDERAL CREDIT UNION
State: MS
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:
There are 3 hard inquiries that are still on my report from 2021 My name is listed on my report as XXXX XXXX XXXX. I am a female Miss spelling of my name is also see on my report

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