BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-04
Company: BB&T CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My wife and I own a business, so when we moved to a new office space, I went to open a secondary business checking account at BB & T near our new office. The banker pitched a business credit card to me and I told him we could see what credit line we were pre-approved for. He called me back and said that our card was approved for $ XXXX and that everything was set to go. However, come to find out, he opened a new personal lines credit card in my WIFEs name only without her express consent and even went as far as signing her name onto the card application, as she never visited the bank on any occasion. They began reporting inaccurate information while I was attempting to escalate this matter and now the reported late payment has delayed our home closing due to our APR being increased, which would result in additional payments of $ 35- $ 40k over the 30 year loan period - we NEVER have any late payments on ANY of our accounts, so this has really damaged our credit, in spite of this being a fraudulent account and not being any fault of our own whatsoever.

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 2016-03-08
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Delinquent account

Complaint:
I have or had XXXX Chase credit cards XX/XX/XXXX a master card and visa card that was sold to XXXX collection company. I went to court in XX/XX/XXXX and again in XX/XX/XXXX for both. The attorney did say he will dismiss the accounts that day. And they still put both into judgement even though I did appear in the courthouse. Since then I received from Chase a letter for the Master card saying they discharged it and I filed my tax papers for it, that was in XX/XX/XXXX. My Visa card is still showing a judgement and was sold to another collection company as of this year. No letter from XXXX about them selling the visa account. As of yesterday I received a letter from Chase Master Card advising me about collections Litigations and that they will no longer collect on the account. Why did they not included the Visa account as part of the ro-bo collections of the time in question? I am still not gainful employed do to being a caretaker to both parents since that same time. 
Please advise me as to my next step. Or my next step will have to be chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: eMoneyUSA Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have gotten into a financial mess, I admit that. Too many loans to handle. I contacted XXXX XXXX XXXX and I am trying to manage this problem. They sent out a communication to all the lenders with whom I have accounts. These were sent electronically so they were received immediately. This was notice that I was revoking ACH authorization. This was on XX/XX/2018. On XX/XX/2018, EMoney USA proceeded to withdraw a payment from my account anyway. Fortunately it did not overdraw my account and my bank returned the payment with a stop payment order. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Benjamin Chaise & Associates
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company continually calls me trying to collect a debt I don't owe. Told them that if they felt I owed the money to take me to court, This last time I spoke to a gentleman that said his name was XXXX XXXX with Benjamin Chaise and Associates, XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX. I was very clear to ask not to call me again about this debt and he has called me again. I told him that I would report his calls to the appropriate authorities and now I am. The first time I spoke to him he was very rude.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Capio Partners, LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Original Creditor Name- XXXX XXXX XXXX XXXX XXXX Opened XX/XX/2019 {$350.00} Creditor Information- ASSETCARE LLC  XXXX Texas XXXX XXXX XXXX ) XXXX This showed up on my XXXX   account as a debt collection. I have XXXX  the info and believe it is a scam debt collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02
Company: London & London
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
London and London in XXXX, CT threatened to damage my credit and reputation. I want them disciplined. I contacted XXXX XXXX numerous times to fix this never got a call back once. These people threaten me again and I will contact the police and file charges against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Utah System of Higher Education
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loan was in forbearance with UHEAA while my ex-wife went through Chapter XXXX bankruptcy. She closed her file in XX/XX/2018. 
On XX/XX/2018 I got notification of a payment due by XX/XX/2018. 
UHEAA reported to all creditors today that the account is 120 days past due, causing my credit score to significantly drop. Not sure how this can be 120 days past due when I didn't even get notice of a payment due until yesterday, and the due date is still 10 days away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loan was in forbearance with XXXX while my ex-wife went through Chapter XXXX bankruptcy. She closed her file in XX/XX/2018. 
On XX/XX/2018 I got notification of a payment due by XX/XX/2018. 
XXXX reported to all creditors today that the account is 120 days past due, causing my credit score to significantly drop. Not sure how this can be 120 days past due when I didn't even get notice of a payment due until yesterday, and the due date is still 10 days away.

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 2018-10-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
onXX/XX/I sent experian through certified mail ( see attached file ) my complaint regarding unverified accounts on my credit report ( see attached file ) there response did not address the issue instead they ignored my request and responded with an a erroneous reply ( See attached file ) I am filing this complaint because they have purposefully made it impossible to reach anyone on the phone and ignore written complaints that clearly on the face of the document can not be ignored or misunderstood. I would like the accounts to be verified or removed from my credit as stated in the complaint.

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 2022-01-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received a text message today from phone number ( XXXX ) XXXX that said Dear Customer, Your [ J. P M0RGAN ] Account is on hold due to odd actions being identified. Visit XXXX XXXX XXXX and update your details to solve I do not have an account with JP Morgan Chase XXXX The link brings me to an unauthentic Chase website at the following web address : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: United Check Recovery Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I spoke to XXXX XXXX from UC RB on XX/XX/XXXX after he left me a voice message on my cell phone. He told me there was a complaint filed against me to commence legal proceedings. He then requested I make payment arrangements to stop the processing, which I did. On Friday morning of XX/XX/XXXX, I received a phone call from XXXX XXXX at XXXX XXXX I was not able to answer and thought it was odd to call before XXXX XXXX. I then received another call at XXXX XXXX, but I was at work and not able to answer. XXXX XXXX left another voice message on my phone. 
I had my representative call to speak to him and got XXXX XXXX instead. He was told that he was in violation for calling before XXXX XXXX and XXXX XXXX wouldn't allow my Rep to speak, he would interrupt her and even started to use profanity. He was very rude and decided he didn't want to continue to speak to her so he discontinued the call while she was on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have about 6-7 collections from the company Americollect I was only notified on 2. I didnt find out about the others until they were added to my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Experian Information Solutions Inc.
State: NJ
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-08-02
Company: Collection Management Services, 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: Account status incorrect

Complaint:
To whom it may concern : On XX/XX/2017 I visited XXXX XXXX XXXX in the City of XXXX, CA prior to being a resident here. After being completely forthright about my income status ( 100 % XXXX XXXX XXXX XXXX ) we had a mutual agreement to stretch- out the payments over a reasonable period of time, with wiggle room for fluctuations in my income. At such time we agreed to begin the process of XXXX XXXX XXXX care. 

I do recall that there were some inconsistencies with should be the first line of attack, and what should be prioritized? After 3-4 visits with the XXXX, the area in which I was being treated became more and more uncomfortable/painful ... .an outcome that I did not expect ( and this was one of several times in my life that I have had minor to major visits to the XXXX 's office. Without becoming verbose, my experience from a communication standpoint, as well as services rendered was far short of stellar. 

Since there was an outstanding balance after my last visit, I attempted to contact their office, via the telephone, as well as a certified letter in writing, all to no avail. 

The bottom line : I received ( just suffered from a " XXXX XXXX '' a couple of weeks or so ago ) poor service, and a non-communicative billing staff, who without notice sent my account to : COLLECTION MANAGEMENT SERVICES whose address ( to the best of my ability to determine as they have several listings/derivatives of their corporate name is XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Lastly, I have never received a phone call nor any letter ( s ) from this collection agency. 

Thank you in advance for your consideration. 


Sincerely, 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 2021-10-08
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:
I rarely ever check my credit report, but I recently checked it and was appalled because I have 2 fraudulent accounts that were not authorized or opened by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted the CRAs and my legal team and was advised to fill out an FTC Identity Theft report which I have attached down below. I also have multiple addresses that I am not associated with as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/2018 ( just now ) I applied for a XXXX XXXX XXXX Consumer Credit Card under the promotion I would receive {$45.00} credit on a purchase today, over {$45.00}. I followed the prompts, applied, was accepted. One of the conditions of the promotion was that I make a purchase today with the new card. However that was not possible. I did not have a credit card number and nothing in the checkout or my account allowed me to use the new account. I called ( XXXX  ) XXXX, XXXXXXXX XXXX Consumer Credit Customer Service. The answering operator gave me some double talk so I asked to be escalated and spoke to a manager. They could not give me the means to comply with the terms of the promotion so I canceled the card. The XXXXXXXX XXXX Escaltion Operator said she would make a note of this on my account but refused to give me anything in writing to that effect and did not guarantee that would allow me to meet the terms of the promotion. Meanwhile I received an email from my credit reporting service that my credit score dropped 20 points from this inquiry and the resulting change in credit parameters.

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 2018-06-22
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Good afternoon CFPB, thank you for taking time to review my complaint. My complaint arises from my credit report. As I have progressed in my age and career I have made it a point to also by mindful of my credit. Likewise, several months ago I noticed that one of my three major credit scores seemed much lower than the other two. The credit agency reporting the substantially lower credit score ( difference of around 50 points ) was Equifax. When I looked into what was causing my Equifax score to be so low I noticed Equifax we reporting a collection item that had previously been removed from all three credit agencies ( a separate incident ). For some reason Equifax has now placed this collection item back on my credit report with them. The collection item in question originated from a local cable provider " XXXX XXXX '' but was sold off to a collections agency. As previously stated this collection item was erroneous and was subsequently removed. I contacted Equifax on XX/XX/XXXX and went through the claim submission process. Since then they keep sending emails that contain the " outcome '' of my claim however I am never able to log in and view the " outcome '' of the claim because the log in credentials are questions you must answer based on information Equifax has gathered on you. I can never log in because the " information '' they ask is not correct, so I can never get in to view what happened with my claim. This, coupled with the fact that my Equifax credit score is still substantially lower than the other two ( XXXX & XXXX ) leads be to believe Equifax is not fulfilling their due diligence in amending my credit score/reporting. The Confirmation number I am given from Equifax for the " results '' of my claim is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is serious. I made a dispute regarding a credit card that should expire XX/XX/2018. Capital one made a huge error & investigated the wrong card. They left the disputed debt on & removed my oldest card which is in good standing. This dropped my score by 100 points! I am trying to clean up my report not destroy it! Please please help!!!!!! 
I did a lot of disputes & if I accidentally did this one please cancel it! I'm so upset!!!! I'm crying!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
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: Public record information inaccurate

Complaint:
Equifax continues to list a dismissed bankruptcy as confirmed within my credit file. Although it is Equifax 's policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief ''. In addition, Section 1681c does not specify a minimum period for which a bankruptcy must remain on an individuals credit file. TransUnion has abided by the guidelines set forth by the FCRA and removed the bankruptcy, yet Equifax continues with the erroneous misinterpretation of said guidelines.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Equifax must delete this information from my credit report and send me an updated copy when this action is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 reviewed my XXXX consumer credit report and discover a company calling itself XXXX XXXX reporting a negative account on my report. I have no knowledge of doing business or signing a contract with XXXX XXXX. This willful and negligence action is causing harm to my credit score.

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 2021-02-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
USAA credit card that had debt forgiveness. USAA required to send 1099-C by XXXX XXXX. 
USAA contacted by mail, phone, and message. USAA has no path forward and has not provided required federal form

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Experian Information Solutions Inc.
State: VA
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 was a victim of identity fraud. Someone obtained an auto loan with XXXX using my identity and I have filed a police report and met with a police officer to give all the details. 
The XXXX auto loan is still being reported in my Experian profile as a collection/chargeoff and it's affecting my overall credit profile. 

I have filed a complaint with XXXX and Experian, but Experian is still reporting. 

Please help.

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 2021-09-30
Company: Statewide Credit Services Corp.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They provided falsified information. The receipts state Company name, They provided company name omitted to attempt to prove that its a personal transaction and they are neglecting this is from the pandemic and have made no attempts to come up with a settlement amount. In addition all litigation cases should not be reported on credit report in addition its a Business transaction and not a personal transaction. Please have debt collector provide where I supplied my SSN, as well as personal liability. I have submitted proof to Consumer finance where the company name is " XXXX ''. these invoices were supplied by debt collector. I will be contacting the credit bureaus as well as courts that this company has falsified information

Company response to consumer: Closed with explanation