BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Chase began reporting 2 accounts to my consumer reports with XXXX XXXX and XXXX in XX/XX/XXXX and the second in XX/XX/XXXX in regards to credit cards that they claim I owe. I do not owe any debt to Chase. I sent Chase a debt validation letter on XX/XX/XXXX and they sent me statements in the mail showing transactions with these accounts which is not validation. In the process Chase has violated multiple laws including XXXX XXXX XXXX XXXX a ). They also have not responded to my Affidavit Of Truth that I sent to them on XX/XX/XXXX. They sent me a letter on XX/XX/XXXX stating that they are required by law to report these accounts on my report which is false and misleading 15 USC 1692e. Chase ignored my cease and desist letter that I sent them on XX/XX/XXXX which is a violation of 15 USC 1692c ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: JPMORGAN CHASE & CO.
State: NJ
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 XX/XX/2021 I first disputed an unauthorized charge on my Chase Bank credit card ending in XXXX in the amount of XXXX for an unwanted subscription price increase by the XXXX XXXX XXXX. The XXXX XXXX XXXX  accepted my request to immediately cancel my subscription number XXXX on XXXX. 

After 4 months of disputing the charge unsuccessfully Chase executive dispute team advised me to have a new credit card ending in XXXX ( with exactly the same benefits ) issued to block the XXXX from automatically rebilling my existing card. 

After a time consuming process of notifying critical merchants of the card cancellation Chase compromised my financial security by providing the new card number ending in XXXX to the disputed merchant and others.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My husband died in 2016 and since then Equifax is reporting me as deceased. I have attempted several times over the years to dispute this they investigate but never change the fact that my credit report has a score of XXXX. I need to buy a house and this is preventing me from doing so. I need this fixed. I have submitted copies of birth certificate, drivers license, social security card, documents with present date showing my address. I dont know what else to do. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: ALLY FINANCIAL INC.
State: OR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
After speaking to three reps at Ally and getting different information each time, I got the early lease termination information and turned in the vehicle where I purchased it. Ally said I could turn it into an Ally affiliated dealership near me, but I ended up driving 130 each way to turn it in on XX/XX/2021. I got the odometer statement filled out by the dealership as requested. The dealer faxed it to Ally at two different numbers provided by Ally. Neither was correct. I emailed it twice. No luck. I finally got a supervisor to give me their email address and confirm they got it. They were supposed to get an inspection and let me know the results. I was told today XX/XX/XXXX, that it was done on XX/XX/XXXX. I asked the rep to email me a copy. She placed me on hold with the department to get that done. Then one hour and eights minutes on hold, it disconnected. Then I called back and the rep said the inspection was NOT done. I asked to speak to a supervisor, who confirmed nothing. She said they were too busy to assist and directly me to their useless email contact area that didnt work the last three times they directed me there. It has been almost two months, nine calls, 6 hours on the phone, and this is not done. Still open on my credit report. Still no final statement. Still no end in sight. How is this acceptable? How is it possible I get a different answer literally every single time I call? This XXXX has not been in my possession for two months. I cant protect it. I cant drive it. I am still paying insurance on it in case it gets stolen or damaged during the delay.

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 2020-05-14
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on 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 2020-05-14
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is for Collection Bureau of America. They are being negligent and unfair. 
I tried to fix this issue witht them in the past, but I have not been heared. I really hope to get a fair solution to this issue, because is overwhelming. Account information : Collection Bureau of America Account # XXXX/Date Opened on report : XX/XX/XXXX, XXXX/Balance $ XXXX/Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. 

Back on XXXX, I sent to Collection Bureau of America a rquest for debt validation. As of today, they have failed to investigate the item, and also to mark the account as disputed. These are two serious violations under the California Credit Reporting Act.  Also, they are reporting a wrong opening date. 

I am demanding a deletion letter for my records, and this item to be removed from my credit reports. 

Please send the attached documents to Collectin Bureau of America. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX Credit card account with Capital One XXXX was discharged by them and closed after I suffered critical XXXX issues required XXXX  for XXXX and unemployment in XXXX. They sent me letter in 2018 as confirmed was closed and wrote off. No balance owed. 

XXXX XXXX XXXX is now incorrectly reporting on my XXXX report this charged off Capital One account as this account being " Open '' and balance owed of {$330.00}. 

Capital One XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company XXXX XXXX XXXX XXXX XXXX keep sending me bills and trying to collect a debt that is not mine, I already dispute this with the credit report companies and I already made a complaint in consumer finance and results were positive to me and negative information was removed from my credit reports but I just find out that they send this account to collections again, Im about to take this to the legal side because I just have a XXXX XXXX and my doctor told me was because the stress and the only stress I have is because XXXX XXXX XXXX XXXX XXXX ... XXXXthis is the last effort I making to fix this situation thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. Please remove them. There are addresses, inquiries and names that I don't recognize.

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 2020-07-18
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was trying to make both an XXXX & XXXX account which both use XXXX  and you guys will not connect with them for some reason. It is a very very much incobvience that i can not connect my account to these apps!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: REGIONS FINANCIAL CORPORATION
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:
Regions bank continues to show an account from 2014 that shows a 60 day late. It is impossible to be late on this type of payment. It was secured by CDs so it was impossible. I would like this to be ammended to show perfect payment 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 2018-03-01
Company: 21ST MORTGAGE CORP.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage company refused to provide any kind of payment arrangements, provided them with a copy of a sale contract and still continued with the foreclosure sale. Foreclosure sale was scheduled for XX/XX/18 at XXXX yet the Certificate of Sale was time stamped with XX/XX/18 at XXXX before the sale took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: GMA Investments, LLC
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 status incorrect

Complaint:
this company XXXX XXXX I have paid more than XXXX years, I need this abuse and report to my person and my credit to be corrected immediately! He held XXXX XXXX directly responsible for not ERASING an account already paid from my credit and for continuing to use my ID to damage my credit!

Company response to consumer: Untimely response
Consumer complaint received 2018-09-17
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX was paid and settled even after illegal predatory actions taken including sending a false lawsuit document as a scare tactic. In settlement with XXXX they agreed to remove all negative trade lines from all 3 credit reporting agencies. This still has not been done.

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 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 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 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 2020-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I hired XX/XX/XXXX to move the contents of my townhouse I sold, to my new house on XX/XX/XXXX. The company collected {$100.00} deposit in cash from me on moving day since I had cancelled the original date of the move and had requested a refund. XXXX XXXX notified my bank back in XXXX to deduct the {$100.00} and so I had to put in 2 claims against the money being withdrawn. The charge is fraudulent and my bank hasn't asked me for my proof ( receipt ) that I paid the {$100.00} in cash on day of services. Capital One is only siding with the moving company and that is bad customer service being I am their customer not the moving company. Capital one needs to credit me back the {$100.00} that is scheduled to be removed from my account on XX/XX/27.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had an XXXX  account cc from Comenity Bank. I had paid that monthly bill in multiple payments. Always on time and even extra. The due date was on the XXXX. On XX/XX/XXXX, the store site was down to pay. But eventually it worked. Ib this day I also made the full amount payment. Over 300 dollars to finish it off. Then, a month later I get a bill for XXXX dollars 2 late charges. Even if they want to accuse me of being late once, that's XXXX, but i got charged another late fee for a late fee? And the whole bill is paid off. This bank is despicable. I closed that cc after this. 

They have We Help During this Pandemic all over the place. Unbelievable to rip off customers like this. My credit is good.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: The Outsource Group, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was a victim of identity theft. This account is not mine nor it was authorized by me. I don't know who did this to me. 
I'm trying to get control of my credit so please investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: FL
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 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 I don't recognize a bunch of hard inquiries on my report which I think is fraud. below is a list of hard inquiries I don't recognize XXXXXXXX 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 2020-11-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I was recently turned down for a new car loan because of an unknown credit entry on my " Experian '' credit report. I contacted " Experian '' this past Friday and asked them to mail me my " Free '' annual " Experian '' credit report. They said, " No. That I had to PAY for 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 2017-08-04
Company: Santander Consumer USA Holdings 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 information incorrect

Complaint:
I summited a dispute through XXXX XXXX, on XXXX XXXX, 2017, and also with XXXX XXXX. SANTANDER is reporting 30 days past due every month, on my reports. Which is making my credit look bad, I 'm really trying to build my credit!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: VA
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:
Good afternoon, I have applied for a mortgage and rate shopped with three lenders. According to the Consumer Financial Protection Bureau, shopping around for a mortgage will not have a negative affect on my credit score as it is considered 1 inquiry as long as it is done in a 45 day window. My credit score has dropped on all 3 of my credit checks for mortgages. I called all 3 credit bureaus and was told that that only applied if it was the same mortgage company. One tech even hung up on me. I even quoted the information on the CFPB website and was told that was incorrect. I am not able to dispute or have them correct the information so that it won't affect my score 3 times. 

The inquiries are : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX  Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
dispute this account multiple times via certified mail, XXXX  & Transunion showing two vast different account with same account number, but keep claiming it was verified. Law is clear account have to be 100 percent accurate, and these account is vastly different if your sources the same.

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 2020-10-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received calls from a XXXX at Wells Fargo looking for a relative, lied to me to try and obtain information that I did not have.

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 2021-04-29
Company: CHECK INTO CASH 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 information incorrect

Complaint:
Some agency called XXXX  XXXX  XXXX  is attempting to collect a debt from XXXX, 2021 for a company called Loan By Phone. 

The amount is {$3200.00} which I have no recollection and never replied to. 

This is fraudulant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Good afternoon, I have applied for a mortgage and rate shopped with three lenders. According to the Consumer Financial Protection Bureau, shopping around for a mortgage will not have a negative affect on my credit score as it is considered 1 inquiry as long as it is done in a 45 day window. My credit score has dropped on all 3 of my credit checks for mortgages. I called all 3 credit bureaus and was told that that only applied if it was the same mortgage company. One tech even hung up on me. I even quoted the information on the CFPB website and was told that was incorrect. I am not able to dispute or have them correct the information so that it won't affect my score 3 times. 

The inquiries are : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX  Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry date : XXXX XXXX, XXXX Removal date : 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 2021-08-11
Company: AMERICAN EXPRESS COMPANY
State: VA
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 customer service

Complaint:
On XX/XX/XXXX, XXXX ( a chat supervisor ) promised me {$150.00} credit for issues related to rewards points and account closing. On XX/XX/XXXX, no credit was showing and I was told it would take another 48 hours. 

Here is what XXXX said on XX/XX/XXXX. 

" I have issued {$150.00} credit on your Amex XXXX Card For which you will see the adjustment within 5 business days "

Company response to consumer: Closed with monetary relief