BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-09
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
XXXX XXXX , XXXX put a derogatory mark on my credit report saying that I have an outstanding, unpaid balance with XXXX XXXX for {$490.00} ( was co-pay for XXXX XXXX ). I had paid this by check back in XXXX/XXXX. My check was cashed and I have the images of the cashed check. 
Also, I tried to dispute it with Experian and they make it impossible to dispute anything on their web site. They go through a few steps to verify previous addresses, phone numbers, etc to make sure it is really you, then they tell you that you could not be verified and are not allowed to file the dispute unless you sign up for an account with them. This should be illegal. I was able to file a dispute on XXXX   web site with no problems and they didnt try pulling any tricks. 
Furthermore, I have contacted XXXX at XXXX XXXX and she confirmed that I did indeed pay {$490.00} in XXXX and that I indeed was paid completely and have no balance. 
I also called XXXX, explained everything and how they made a mistake and they said theyd look into it and call me back but never did and now I cant even get a hold of a live person again. 
My credit score was XXXX 2 days ago and now it dropped to XXXX in 1 day because of their fraudulent and false report to my credit report. I was in the process of looking at new houses and was quoted a very good interest rate because of my score and now my rate might go up and cost me more money because of their mistake. 
They should be able to sued or fined for this. And the credit reporting agencies just as guilty for doing no due diligence and just changing your score based on some accusation that I didnt pay a bill, which I did pay months ago, and giving me no say or due process to present my case, and making it impossible ( in the case of Experian ) to even do so. 
Something has to be done about this. These companies have too much power to ruin peoples lives with no accountability on their part. The government should never let this happen, yet they allow 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 non-monetary relief
Consumer complaint received 2020-11-30
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have Chase Southwest Rapid Rewards Credit Card. While checking my statement on-line, I saw an offer to get {$500.00} bonus if I opened the checking and savings account with Chase Bank, set-up the direct deposit and fund the savings account with {$15000.00}. I have opened the account online on XX/XX/XXXX, linked my external XXXX savings account and funded my checking account with {$1500.00} and the savings account with {$15000.00}. Immediately after this, my on-line access to chase.com was blocked. I have called the number indicated online to confirm my transactions and the account was unlocked. Several days later I have notice that my savings account was not funded and I attempted to fund it again with my external XXXX savings account. The online account access was locked again. After I called, I was told that the bank has decided to terminate their relationship with me and close all my accounts. They would not tell me the reason and would not reinstate my access to the credit card. The problem is that I am out of {$1500.00} that i used to fund my checking account and I don't have on-line access to track my credit card account. I have attempted to call Chase again and they would not discuss the reasons or allow me to access my credit card account. I am US citizen, a XXXX XXXX XXXX who passed number of background checks. I believe the only reason they are doing this is because I have a foreign name and speak with an accent. There are laws prohibiting financial institutions to discriminate based against national origin or ethnicity and it also appears to be an unfair and deceptive practice to advertise product and service and not to deliver them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: OneMain Finance Corporation
State: NJ
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:
Original loan with One Main Financial was in good standing, we paid it down refinanced it and opened a new loan in its place. However they charged off original loan instead. The new loan was given debt forgiveness due to a class action suit in which we had to pay taxes on from Tax forms given and received. They are not only reported our account for non payment on both of these accounts. But charged them off. We have multiple collections for the same loans with different amounts and different dates with multiple collections companys. In Addition for a loans that arent even ours for a XXXX XXXX whos remarried name is XXXX XXXX. This is FRAUD ALL THE WAY AROUND. The company was sued yet were being penalized. I have 5 loans from this company reporting that Im not responsible for. We paid taxes on this. All loans from this company misapplied. Ive written multiple times giving complaint to all credit bureaus and companies.One Main financial wont give documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Total Card, Inc.
State: MI
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:
I had a credit card with the XXXX XXXX XXXXXXXXTotal card services Inc that was sold to a collections agency XXXX XXXX It was being reported as delinquent and negative on all my credit reports so I called the XXXX XXXX XXXX  to get the contact number for the collection agency so that I could pay the debt off and clean up my credit. Upon speaking to a rep with I agreed to pay the debt only if the account be completely removed from my credit report. They assured me that once I paid the debt it would be removed from my credit within 30 days after the debt was paid. On XX/XX/2020 I made my final payment on XX/XX/2020 I got a notification from my credit bureau apps that I had a negative/ delinquent reporting account. The account was from XXXX XXXX XXXXXXXX XXXX Total Card Services Inc . I called them and told them that I had paid the debt with XXXX XXXX and that the debt and all account information should be deleted from all of my credit reports. I spoke to a XXXX and she told me that since XXXX  acquired the debt I had to contact them to get the account deleted. After I got off the call with her I called XXXX, XXXX, and XXXX  just too find out who was reporting the debt and both companies have not removed the debt and still reporting delinquent/ negative marks on my report. Ive been getting the run around from both companies. I just want this account deleted from my credit reports since I paid the debt off and they told me that it would be deleted after I made the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: D2 Management LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The company called my number today, XXXX XXXX, 2017, through one of their different trunk numbers and did not leave a message. Someone then called my husband 's telephone ( my husband is not listed on any of my bills except household ). They told him that they were not calling in reference to a debt and that it was for another issue. I called back the same number that called us and the woman who answered the phone stated that they " litigate '' for different companies. When I XXXX the company, they are listed as a company that buys debts from payday loans, etc. then tries to collect. 

I spoke to someone from this company some time ago and requested that they present me with documentation from the debt I supposedly owed, to which the girl stated that she had all of my information in front of her and would not provide anything in writing to verify the outstanding debt. She continued to press me to set a payment arrangement, to which I continued to ask for written proof of the debt. 

This is my second report on this company. 

They also would not give an address where written documentation can be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: United PanAm Financial Corp.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting the following documents from United Auto Credit 1.Validation of debt the actual accounting of the contract. 2.A copy of a contract binding both parties. 3. Proof of full disclosure explaining that i was actually creating credit with my wet ink signature. 4. Equal consideration 5. The wet ink signature of both parties. In order for a loan to be valid it is required by common and consumer law to have both wet ink signatures of both parties.6. A INVOICE. Do not send a statement as a invoice a statement is NOT an invoice I am requesting proof of an invoice. Also a loan application does not constitute a contract as it is only signed by one of the parties which is me the consumer. Please send contract that has wet signatures from both parties. I am requesting these documents within the next 15-30 days. Refusing to provide these documents is a direct violations of the duties of the furnisher and more fcra guidelines. Done in good faith all rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: EQUIFAX, INC.
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:
This company with my identity theft report for fraud refuses to delete fraudulent information they say they cant dispute inquiries this is ridiculous when Im the last with my police report they would send me a letter of deletion and now they give me a hard time and refuse

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
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: Account status incorrect

Complaint:
Hi I have have contacted the bureaus for them to correct this mistake.i have so many inquiries that was not authorized by me. Could you please correct this the customer service was so rude and they did not try to help me or get me a supervisor here is the list of inquiries that needs to be removed 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 2019-11-08
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
This complaint is against XXXX, XXXX  and Experian credit reporting agencies. I'm bringing this complaint do to their inaccurate reporting, failure to conduct investigation into disputes and forcing customers to obtain for a monthly fee, their credit monitoring programs which falsely claim to increase credit scores. 
For the last DECADE! my credit score has been in the poor credit rating scale which is the lowest among most. I've tried several times to dispute inaccurate information only to have them deleted then placed back on my report months later lowering my score. I've hired credit service companies who letters were not being responded to by the credit reporting bureau to which I was told to file a lawsuit. 
Experian has inaccurately reported accounts that are closed as being opened, and time barred debts falsely being listed as payments being made or received when no payment was ever sent. this allows tme-barred debts to remain on a credit report way past the seven years law allows. 
I've requested supporting documentation regarding Experian 's investigations these request have been unsuccessful. There has been problems obtaining my credit score and report do to the inaccurate information the security questions ask do not pertain to my credit history. and the customer service employees intentionally give false information when I contact them. 
I'm XXXX years old my credit report should reflect 34 years of credit history, instead shows only the previous 10 years. Missing is 34 years of exceptional payment history for utilities, credit cards, mortgages, business, educational and personal loans. This includes missing personal information such as addresses, businesses owned and work history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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:
I filed an identity theft report on the Federal Trade Commission website and mailed a copy to all 3 credit bureaus certified mail to report and request removal of these unauthorized accounts from my credit file. Nothing was done and XXXX XXXX keeps requesting me to validate and verify the account that I know nothing about. 

XX/XX/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 2019-11-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
RE : Case Number XXXX Claims Department Specialist : On XX/XX/XXXX, the Board of Governors of the Federal Reserve System amended Regulation E, 12 C.F.R. Part 205, in the Federal Register to address overdraft protection programs. The rule became  mandatory on XX/XX/XXXX and the rule applies to both new and existing accounts. This rule requires prohibits banks from assessing fees for paying ATM and one-time debit card transactions unless the consumer " opts-in '' to overdraft protection. This is commonly known as the Opt-In Rule. 

From the period of XX/XX/XXXX to present, I have not " opted-in '' to overdraft protection on my Chase Premier Account ending in XXXX. Despite declining all XXXX XXXX XXXX XXXX  transactions from XX/XX/XXXX until XX/XX/XXXX do to a combination of insufficient funds and compliance with the " Opt-In '' Rule and by issuing a hold do to fraudulent activity, Chase Bank, NA nevertheless decided to make a payment to XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX in the amount of {$3600.00} when the balance of that account was a mere {$2400.00}. I find it highly irregular and morally disturbing that Chase Bank, NA would decline a {$100.00} transaction to XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX, a {$530.00} transaction to XXXX XXXX XXXX XXXX  on XX/XX/XXXX but would approve a {$3600.00} transaction to XXXX XXXX XXXX XXXX on XX/XX/XXXX bringing my account into insufficient status, thus occurring bank fees and the restriction of my individual liberty. I am starting to get the impression how Chase Bank, NA likes to profit and stay in business. 

I have attached 16 email notifications from Chase Debit Card Fraud Prevention dating from XX/XX/XXXX to XX/XX/XXXX while I was in the hospital for XXXX XXXX for your records and my future correspondence with the FDIC and the Consumer Financial Protection Bureau. Additionally, is it not the policy of Chase Bank, NA to decline any and all transactions when fraud prevention hold is placed on an account until the consumer gets in contact with the Debit Card Fraud Prevention Department in order to verify transactions in order to establish and maintain security on the account in question? 

Again, I look forward to your very timely resolution in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was hit with massive amounts of overdraft fees from XXXX until XXXX. Any time I called about it, I was given a run around which only confused me. I have since closed my wellsfargo accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX has send me a letter stating the account is not delinquent but the servicing company XXXX bank hired bXXXX XXXX XXXX is reporting incorrect information to the credit bureaus and reducing my credit scores. Documents showing the same are attached.

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 2017-12-14
Company: Experian Information Solutions 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 have sent 4 letters to experian and XXXX in regards to verifying my negative accounts shown on my credit reports and have also sent letter to the creditors proving that the accounts indeed are valid. Nothing with my signature was provided. XXXX after 2 letters deleted all the accounts in question, but he other 2 ( experian and XXXX have not ) I have all the letters sent to the 2 agencies and have certified proof of their receipt. My name has a middle initial with a XXXX and they are sending me stuff with my name with no XXXX These negative accounts are ruining my credit and preventing me from several things im entitled to as a U.S. citizen. Please help. Thanks

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I disputed XXXX XXXX XXXX, Date : XX/XX/XXXX inquiry with XXXX and XXXX, Date : XXXX  inquiry with TransUnion as I did not authorized the inquiries. The first dispute letter was sent on XX/XX/XXXX and the second on XXXX Afterwards, I disputed the same inquiry online. They responded to the online dispute by stating they were able to verify this inquiry. 
But how is that possible? 

XXXX ) I did not apply for credit from XXXX and/or XXXX on XX/XX/XXXXXXXX 

XXXX ) I did not receive nor was I denied credit from XXXX and/or XXXX on XX/XX/XXXX. 

To assist the bureaus ' further investigation, I attached the screenshots of my customer account with XXXX, which clearly shows that I do not currently have and never had any credit account before with this company. Moreover, the screenshots also show NO pending or NO DENIED applications for any credit product they currently have. 

Moreover, on the same day of the inquiry, XX/XX/XXXX, I contacted the XXXX XXXX Department ( XXXX ) and informed about the unauthorized inquiry on my credit report, telling them that I did not apply for a credit card with their company. Since then, they havent done anything, thus violating my rights under FCRA. 

Please see attached the disputed inquiries as well as screenshots from my XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: EQUIFAX, 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:
In 2014 my wife and I were having some financial difficulties after she lost her job due to an on the job injury that she subsequently had to sue her employer for in order to receive medical disability. During that time we received some really bad advice from an Attorney and filed for Chapter XXXX Bankruptcy. Within a matter of days we began to have remorse and requested the Bankruptcy be dismissed. The Attorney ( who offered no refund ) did not act in a timely manner and the Bankruptcy was filed, but later dismissed at our request. We subsequently contacted all our creditors and made arrangements for payment and eventually paid them off. 

One of our creditors at the time was XXXX XXXX ( XXXX XXXX ). In the initial paperwork we filed with the Attorney XXXX was not listed. I explained to the Attorney that I wanted to keep that account since I had had it for a number of years and was always in good standing, with a relatively low balance. He said that was permissible. 

To my surprise XXXX XXXX acted on a public records filing and arbitrarily closed the account ( that was current at the time ) and began reporting it to the Credit Reporting Agencies as a " charge-off ''. Despite my knowledge of that, I continued to pay them until the balance was paid in full and they gladly accepted the payments, XXXX XXXX did not sustain any financial loss from my account. 

I have contacted XXXX XXXX numerous times this matter, to include a letter directly to the CEO. My efforts have continuously been to no avail. I have disputed the entry on my credit report with the Credit Reporting Agency numerous times, but each time I am informed the information being reported will remain on my report.

Company response to consumer: Closed with explanation