BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-06
Company: EQUIFAX, INC.
State: IL
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 SUBMITTED DISPUTES TO EQUIFAX AND XXXX TWO OF THE THREE CREDIT REPORTING AGENCIES TO LET THEM KNOW THESE ACCOUNTS OF BANKRUPTCY IN MY PUBLIC RECORDS SECTION OF MY CREDIT REPORTS WERE IN ACCCURATE AND THEY SENT ME RESULTS OF THE INVESTIGATION STATING THESE ACCOUNTS WERE MINE AND THEY WERE VERIFIED AND I ALSO ASKED FOR PROOF OF THE THESE INVESTIGATIONS AND HOW THEY WERE CONDUCTED AND VERIFIED WHEN KNOW ONE FROM EITHER COMPANY WENT TO THE COURTHOUSE THAT THESE SO CALLED ACCOUNTS WERE OPENED AND OR CLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: TN
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Southern Auto Finance Co
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XX/XX/2018 I was in a car accident and the vehicle was pronounced total loss. I had GAP insurance which paid off the remaining balance owed but could not pay off 2 deferred payments or 3 my monthly payment was {$290.00} which should of equal to {$600.00} or {$900.00}. My accident was a no fault and I was driving with my family including my XXXX son which he was XXXX old at that time. So long story short I looked at my credit report and noticed that the amount changed significantly to over XXXX. I was financially destroyed and overwhelmed that I had to get a vehicle so that I was able to continue to work so that I can keep providing food and shelter for my son! I reached out to company work out a settlement but it didnt take out as they demanded the full debt. Im questioning why the balance is so high??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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 a XXXX credit score and I pay both cards on time EVERY month, yet B of A arbitrarily reduced my credit amount on both cards. This is B of As way to make it difficult for consumers to pay off balances quickly without paying unyielding interest. 
Even if I have a high ratio, I always pay on time because I can afford the credit. B of A did this while I was out of the country jeopardizing my and my childrens safety because if I had an emergency I would not have credit cards to help me, if something happened.

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 2018-06-26
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Noticed an account from XXXX that is incorrectly being reported. I contacted the debt collections agency and they stated they do not have an account under my information, as it was returned to the original creditor, XXXX. However this is still reporting incorrectly on my credit report for both Experian and 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 2018-01-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I subscribed on XX/XX/XXXX to a XXXX XXXX XXXX credit card, which has a {$300.00} annual travel credit benefit per my cardmember agreement. 
On XX/XX/XXXX, I placed a purchase for travel of {$560.00} via XXXX XXXX using my XXXX XXXX XXXX card, and was expecting the balance of my annual {$300.00} travel credit to be applied, since it applies on a calendar year basis. 
I called Chase on XX/XX/XXXX and then XX/XX/XXXX to  inquire about closing my XXXX XXXX XXXX, as I did not want to renew and pay the {$450.00} annual fee. On XX/XX/XXXX, I was told that my travel credit benefit might not be applied because I intended to close the account. So I asked not to close the account, and waited another 48 hours before I called back. When I called back on XX/XX/XXXX, I was told by a different operator from Chase that I would actually get the travel credit, and asked to change my XXXX XXXX to a Chase Freedom in order to avoid the fee while keeping my credit account opened. 
It took 4 entire days for Chase to post the charge to my account after it was in " pending '' state, while it usually only takes 48 hours. Chase claims that because I changed credit card, the charge was posted only after I did the product change and thus would not benefit the travel credit in spite of what their phone operator confirmed to me when I specifically inquired. Also, the cardmember agreement states that " A statement credit will automatically be applied to your account when your card is used for purchases in the travel category, up to an annual maximum accumulation of {$300.00} ''. This means that using the card is the reason the travel credit should apply, and not when the charge should be posted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-04
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:
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 2018-01-10
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened the accounts with Chase Bank in XX/XX/XXXX, in Arizona. I used the accounts regularly until XX/XX/XXXX, when my access to the account was denied. There was a list of phone numbers to call for assistance. I was told they had placed a freeze on the accounts, someone with a foreign instrument had tried to access the accounts, but they were OK, they had been trying to get the account numbers. Two days later after having to get a new E-mail address and password I was able a access my account. The last transaction I made was two deposits {$400.00} and {$130.00} online, they do n't have any branches it Hawaii where I was vacationing at my sons home. 
As I looked at my accounts I saw my deposits XX/XX/XXXX. The balance on the savings account was {$23000.00} the checking account {$2200.00}. 
Then there were 8 transfers from my savings to other accounts ; none of them were mine. 
3 to other Chase accounts, 4 to XXXX XXXX accounts, 1 to  XXXX XXXX account {$22000.00} had been transferred. My new savings balance was {$470.00}. When telling the Chase rep. the account went blank on my computer, they froze the accounts again. 
XX/XX/XXXX, They issued a check {$2600.00}, XX/XX/XXXX a check {$18000.00}, XX/XX/XXXX a check {$2100.00}, XX/XX/XXXX a check {$0.00}. That is {$23000.00}. {$25000.00} was missing. I 'm still short {$1700.00}. XX/XX/XXXX. I was told by a Chase claims Rep.that account was settled. I 've been since XX/XX/XXXX to get a printed statement. They say to go to my local Chase branch and get one. That is a 10 hr. round trip airline fare. I think they could do better than that. With the last check they sent a closing summary for checking and savings, dated XX/XX/XXXX to XX/XX/XXXX. I need XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-10
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX 2016 I rented a vehicle in the XXXX, XXXX, XXXX,, XXXX XXXX XXXX XXXX. I returned the car full of gas, on time and I was given a signed bank receipt for certain amount. When I got back to the states and noticed that there was an overcharge of {$130.00}. 
Immediately I called the company in fluent Spanish and I was explained that the charges were for an exchange of a vehicle, that I had asked for since the keyless ignition locked me out, and the particular vehicle had a recall XXXX wide for that problem, and I was told that they charged for that, even though I sent Chase bank a copy of the recall and names of witnesses that helped me tried to start the vehicle. Regardless I sent them copy of the contract showing " free towing '' in which I paid, and was included in the contract. I waited for 6 months without a response and I reminded them of the time elapsed and all of a sudden without contacting the vendor and approaching them on the vehicle recall and free towing, they sided with them. This was fraud and they did not treated as such. 
When I approach Chase, they are very rude about it and do not want to explain as to when they talked to the rental company or what was discussed. I have been defrauded and they did not treat the investigation as such. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My debit card with USAA was cancelled with no explanation from the banking institute and when I call to ask why, there is no information shared. If my account or information was involved in some sort of data breach I feel I should be informed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been receiving phone call from a company that is called XXXX XXXX XXXX also know as XXXX XXXX XXXX XXXX. They have been calling from XXXX. The phone calls started in XX/XX/XXXX. they threatened me with further legal action .On their voice mails that were left on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they stated there is a motion being filed to suspend all bank accounts and tax returns bearing my social security number. if i did not participate they will go forward with due process with out my participation. 
On XX/XX/XXXX.i spoke with them because the phone call had been increasing they stated their name was XXXX XXXX XXXX XXXX. They were trying to reach me regarding a judgment they would be placing against me. resulting in the freezeing of my accounts and collect moneys owed by garnishing my wedges or tax return if the debt i owe is not paid. They claim that an outstanding dept of {$150.00} is owed to Wells Fargo for an outstanding overdraft fee from XX/XX/XXXX. They claim the debt went into default in XX/XX/XXXX and was up to {$570.00} and now because of their collection services it is up to {$1500.00}. They claimed that if i did not settle this debt a judgment will be placed against me and i will owe {$3900.00} because of the additional collection fees and court costs. 
When i spoke with the company on XX/XX/XXXX I asked to speak to a supervisor he said his name was XXXX XXXX an attorney handling my case. The phone number i could reach him on was XXXX. I asked for them to send me the debt i owed or any information regarding the debt to me in writing but he refused to do so, saying that they had in the past tried, and started giving me a lot of legal jumble in order for me to give him a payment right away, He said if i payed most of the debt by credit card to him it would settle the debt. I offered to pay if he sent me a letter head of the company and proof of the debt. He told me he could not but once i gave him a credit card number in good faith that i would pay he would settle the outstanding debt and cease further legal action, and send me a letter stating that the debt was settled. 
Today XX/XX/XXXX they company continues to call me. I blocked the old number ( XXXX ) XXXX so they have called from a different number XXXX threatening me again to make a payment or they will continue with the judgment.

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 2019-07-27
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, Paypal was contacted in writing with a formal cease and desist request to stop any and all debt collection communication with me regarding my accounts. This included the standard Paypal account as well as a Paypal Extras Mastercard. I received a confirmation of this request back from Paypal later the same day, however, they have started calling me from various phone numbers from throughout the country. Most recently XXXX, Ohio and XXXX, Ohio. I attempted to reach out to them today, XX/XX/19 after this most recent phone call to ask them once more to acknowledge my request and to stop calling and they referred me back to the " settings '' option on their website to turn off text messages and auto dialed numbers. This had been previously done and when I advised the representative of that, they told me that it would take 3 days for the settings to take effect. I told them that this had been requested well over a month ago and clearly didn't work and I asked to speak to a supervisor and was refused.

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 2018-03-19
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: Account information incorrect

Complaint:
All accounts are medical bills that should not be on my credit report. They sold my accounts to a 3rd Party which is illegal and violation of HIPPA.

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 2019-07-27
Company: CITIBANK, N.A.
State: OR
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:
Someone ( not me ) applied for Citi AAdvantage credit card. It was extremely difficult to contact Citi ( lots of hold time and transferred around ). They retained my information without my consent. I asked them for help to see who applied for the card and they said they were unable to help 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 2019-07-27
Company: EQUIFAX, INC.
State: IN
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/XXXXa confirmation that a dispute i had file with Equifax was finish. the collection account was verified [ XXXX XXXX XXXX ] i did not ask for any verification of account. XXXX XXXX XXXX was sent a cease and desist certified letter in the mail and receive on XXXX the same information forward to equifax. Equifax stated that it was verified by [ XXXX XXXX XXXX ] and it still remains on my credit report. XXXX XXXX XXXX collected on this account XXXX they did not cease and desist any collection activity of the account which is a violation of the fair debt collection act.And Equifax keep stating that it is verified so XXXX XXXX XXXX confirm that they did receive the cease & desist letter to equifax. This account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Supposedly the fraud department sent original cards to my Illinois address that was returned due to me no longer living there. The verification department is outsourced and their English is poor, which makes things worse when dealing verification, fraud and sensitive matters. When I called to update my account, they took my new address and even just sent me a statement, but have not sent the cards and have told me to look out for a letter in the mail. I have received a statement and no letter. When I call they tell me that they can not give me information ( except if I want to make a payment ) because they are locked out of my account. The customer service reps have hung up on me ( or the call was accidentally disconnected ) when I request to speak to management. They have been very unprofessional in their verification process which involves me getting the phone number of a person in my home ( when I 'm the only one home ).

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 2019-07-27
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 Did Not Authorize This Account I've Been a Victim of Identify Theft

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 2019-07-27
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: Investigation took more than 30 days

Complaint:
I requested proof that the repossession of the subject vehicle was legal in accordance with the law.. Since Transunion was unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.. They did not remove it that's why I am filing this complaint to make you aware and take care of it. Remove 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 2017-10-16
Company: JPMORGAN CHASE & CO.
State: NY
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:
There are several inquires that have hot my credit file which I did not authorized nor apply for credit Chase CC inquires on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have a Chase credit card but did not apply for an additional account. Please look into this matter ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: CORELOGIC 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:
XXXX XXXX Credit Report Agency has included in my personal credit report information from other credit information obtained by Corelogic, XXXX XXXX XXXX, XXXX, TX XXXX phone ( XXXX ) XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX phone : ( XXXX ) XXXX and placed it in my Personal Credit Information files. XXXX XXXX action to freely place such incorrect information from Corelogic and XXXX XXXX is damaging to my financial records since these 2 credit report agencies : Corelogic and XXXX XXXX have different methods to calculate credit reports beneficial to the consumer. I found XXXX XXXX action to place the reports from Corelogic and XXXX XXXX without my approval being ILLEGAL and damaging to my financial needs.

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