BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: JPMORGAN CHASE & CO.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have called JPM Chase 3 times in the past 3 months looking to update our car loan with them. My deceased wife was the owner of the loan and each time I've called Chase they have put me in touch with a problem resolution team who say they will mail me a letter and this has never occurred. I want to in good faith continue paying the loan and also retitle the loan to myself, yet they have been of zero assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 the Small Business Administration initiated a hard inquiry on on my personal credit report. This inquiry was not authorized as I was applying for grants that were being made available to small businesses due to COVID. This inquiry was not authorized and I request that it be deleted from my Experian credit report immediately.

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 2019-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed my Saks Fifth Avenue store credit card around XX/XX/XXXX. I had a credit of {$350.00} and asked them to refund me that balance. 

Due to their many errors, I did not receive a check from them until about XX/XX/XXXX. I had to call at least 5-6 times to get the check and repeatedly tell them the correct address.

About 6 weeks after I cashed the check, they began contacting me to collect {$350.00} in charges. Every time I called, I had to argue yet again that closed my account in XXXX and do not owe them any money. Each time they tell me I am correct. 

Then it starts over again a month later and I have to argue with them again. In XXXX I finally got them to write a letter stating that I do not owe them anything. Now we are in XXXX and it has begun again. Again they say it's their computer system. 

I want my name erased from their systems and to never hear from them again!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: EQUIFAX, INC.
State: NC
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:
Back in XX/XX/XXXX I was suspected of identity theft in a data breach with XXXX. In XX/XX/XXXX I submitted a dispute to all 3 major Credit buraus Agencies in regards to my suspicion of identity theft .I have yet to have my disputes resolve or any feed back regarding this matter and its well over 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports/. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.

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 2018-02-06
Company: Green & Sons Agency, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE ATTACHED THE POLICE REPORT. Per my XXXX  REPORT, SHOWS 13 ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX  AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: EQUIFAX, INC.
State: WI
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 disputed the accuracy of accounts that have paid to Equifax, XXXX XXXX and XXXX. XXXX, and XXXX XXXX immediately deleted the accounts since the Collection was not reporting them correctly. Equifax will not, they have told me twice that the creditor has reported accurately, this is not the case as these collections have been paid in full and they still report no payment. It is puzzling to me that XXXX XXXX and XXXX  can see by my provided receipt that XXXX XXXX XXXX refuses to report accurately. I have mailed this information to Equifax twice and they also can not follow the law. I have been refused an auto loan because of Equifax refusal to comply as they are required to do so.I have enclosed documents with all information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complaint concerns the recent arrival in the mail of a new American Express credit card to replace my current one that is expiring next month. I received a new card in the mail but, without providing disclosure, Amex upped my card to its Platinum level. I read the enclosed literature but there was nothing that said my card level had been increased or that the yearly fee was now much larger than my previous card. I went ahead and activated the card but then got on the Amex website and, after a lot of effort, found that the yearly fee for the new card was {$500.00}, whereas I believe my previous card was around {$150.00}. So what has occurred is, I believe, an improper upsell-type operation. Amex increased the level and yearly fee without disclosure of any type. Had I not done the research I would not have known until they charged me that amount. 
I am only seeking an investigation into the Amex upsell practice as described here. I would think this happens to a lot of its customers. To be clear, at this point I have suffered no known monetary loss and am not seeking any refunds. Indeed, I was quickly able to downgrade to a no-fee card. I just believe the practice Amex engaged in was improper, unethical, and anti-consumer because it was not disclosed up front.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: EQUIFAX, INC.
State: MO
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've challenged the following accounts on many occasions, however the main 3 credit bureaus, Equifax, XXXX, and XXXX all responded by stating accounts verified. Well then the only thing I can request at this time before going to the FCTA, is the Method Of Verification should in order to close my initial dispute .Who did your company speak with, and what was the method of communication, was it phone, fax, email, text, fax, etc. And what was the date, time, and documentation that made you come to your conclusion. The accounts are, Account Resolution C, one for {$350.00}, and the other for {$130.00}. Nor do I have an contract with this company..please send me the Method Of Verification inwhich your decision was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Receivables Performance Management, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original creditor XXXX 's debt was sold to XXXX XXXX. I called XXXX to ask for itemized balance showing how they came to the total. XXXX told me that they cant send me anything but XXXX would have that information. I called XXXX and was told that XXXX has all of the information regarding the balance, but that I was charged multiple monthly payments after his XXXX account was cancelled. Both creditors refused to send me any sort of debt validation and would not share any more information.

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 2019-03-15
Company: BMW Financial Services NA, LLC
State: TX
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 am trying to close on a home and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
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: Was not notified of investigation status or results

Complaint:
I submitted a dispute letter with the credit reporting agencies in regards to inaccurate information on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent the first letter on XX/XX/2020 and the 30 day follow up letter on XX/XX/2020.

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 2020-05-21
Company: Experian Information Solutions Inc.
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:
In XX/XX/XXXX, I disputed my account because the collection agency re-aged my account. The result was " Information on this item has been updated '' and their supposed update was delete all my payment history since the account was opened in XX/XX/XXXXuntil the account closed in XX/XX/XXXX and then added new payments history from XX/XX/XXXXuntil XX/XX/XXXXwhen the account was already closed. and re-aged the account two years more. After the result, I requested a re-investigation In XX/XX/XXXX and the result again was " Information on this item has been updated ''. Comparing results of before and after of the XX/XX/XXXXdispute there is no not change at all.

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 2020-09-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have complaints XXXX and XXXX which are related to my complaint against Equifax. 

The 1st complaint ( XXXX ) listed is regarding their improper handling of investigations regarding 2 companies. The 2nd related complaint ( XXXX ) was what appeared to be retaliatory action for my initial complaint ; they lowered my credit score by 52 points 2 days after my initial complaint for no changes and no reason. Whatever person acting on EQUIFAX behalf restored 51 of the 52 points taken and on or about XX/XX/2020, they restored 1 point for a total of 52. 

Yesterday, XX/XX/2020, I received an unsigned letter from somebody at Equifax stating they could not locate my file. Its interesting because they found my file on 2 separate occasions ; regarding my complaint when they restored 51 points of the 52 taken for me initially filing a complaint and found my file yet again when the remaining point ( 1 ) was restored on or about XX/XX/2020. 

They also have the 2 derogatory reports still reflected in my credit file while investigating this initial complaint matter and before the companies have supplied any proof whatsoever ( because they are not factual or valid ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been working on repairing my credit for about six months now. I have been consistently sending letters to Experian during this time, the first one being sent on XX/XX/2019. I am in the process of trying to get a home for my family and me, and the blatant disregard from Experian is hindering my efforts. I am trying to better myself and get a better job but Experian will not respond to my disputes so I'm not even sure if they are following the laws laid out for them. I have attached all of the letters I sent to Experian below.

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 2018-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX credit reporting agency did not remove 2 inquiries on my credit report. They were to be removed on XX/XX/18. The 2 inquiries are for XXXX XXXX XXXX XXXX. The initial inquiry was 2 years ago. I just checked the report that is current as of today XX/XX/2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: DISCOVER BANK
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 account is paid in full 100 % payment history!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Fair credit reporting act states that someone is suppose to have your consent to pull my credit. And if they dont have my consent they are violating a federal law called the FCRA XXXX The company pulling your credit must provide documented proof of documents with my signature on it that I authorized and provided consent for the hard inquiry. The FCRA says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries listed below. If they fail to provide this documentation then XXXX, XXXX and Equifax must remove these inquiries from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A EQUIFAX Mortgage service XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Moneygram declined to process my transaction and refused to explain any reason for declining. I was trying to send {$600.00} to an associate in XXXX. I might add that I used moneygram for several years for money transfers from my organization to XXXX, but switched to XXXX XXXX when MG transaction fees went up. Now XXXX is charging more with a lower exchange rate, so I was shopping for a better price, and came back to MG which then declined my transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: AMA Advisors, LLC.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I Requested a Forbearance under the " Cares Act '' on XX/XX/2020 and received a letter from the mortgage company saying the mortgage was placed in the forbearance until XX/XX/2020, then the payment would be due, the mortgage was CURRENT at the time of the request. On XX/XX/2020 received a letter from the mortgage company requesting XXXX and XXXX payment be made on XX/XX/2020 or a Late Fee would be imposed. 
We created Another financial hardship to get the money and paid the loan for fear of credit report damage, as the mortgage payments have Never been late. 

I am a veteran that is XXXX percent XXXX with a Spouse that is my VA Federal Fiduciary, the mortgage company has been given permission via Telephone and in Writing and still Refuse to communicate with my Spouse Fiduciary on my behalf, I don't  understand and can't argue and debate with them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/XXXX I received a notification that a new collections account in the amount of {$220.00} had been added to my credit report. Upon further investigation the collection was regarding an old account from XXXX  that had been closed on XX/XX/XXXX with a XXXX  balance due by XXXX  in accordance to their company policy that a customer 's account must be closed if they change addresses and a new account must be open for the new address. 

I called XXXX on XX/XX/XXXX and was told by XXXX  customer service that I was in collections for un-returned equipment from my closed account from XX/XX/XXXX. I requested to receive proof of documentation of their attempts to contact me regarding their fees as I have never received any form of bill or letter and the customer service representative stated she was unable to provide or acquire such evidence. 

In XX/XX/XXXX, I had called customer service to schedule a change of address service and was instructed by the customer service representative to keep my current equipment and to not return it because it would be used in my new place of residence. When I moved to my new place of residence in XX/XX/XXXX I was given a new account number and was required to install new equipment to be compatible with XXXX   's new technology requirements. At the time of installation in XX/XX/XXXX, I had asked the XXXX  Technician if he would be taking the equipment and he said no it was not necessary to return. Furthermore, post closing of my account from my prior address XXXX   never provided me with return instructions or labels or any sort of request and told me my previous account to which the equipment was registered to was closed null and void with no additional fees due. To date I have maintained a 100 % on-time payment history with XXXX, I have maintained the same email address, telephone number, and have my current mailing address on file from my new account. To date I have never received any form of attempt to communication or correspondence from XXXX  regarding the {$220.00} balance due before being sent to collections. XXXX  also removed my access to my online account portal as soon as the account was closed and terminated to which I was no longer able to review any documents or impending charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: JPMORGAN CHASE & CO.
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 have been a victim of identity theft, once I found out there were negative impacts on credit score, I try to contact these creditors ( chase and XXXX ) to solve the issue by providing all the documents they need. However, they always come up with some excuse said they didnt receive the documents and others excuses. 
I did sent polices reports and bank statements to both creditors but they didnt resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Merchant email has confirmed that a return has been received under authorization number XXXX dated XX/XX/2020. The amount that is supposed to be credited to the XXXX XXXX XXXX card is {$73.00}. Now, four days later the charge has not been credited to my account. Never dealing with any retailer, have I had to wait more than two days after return confirmation for a credit to post. Since, the retailer delays sending the credit to the bank, they should wait informing the customer that the return has been received, until they actually decide to release the return information to the bank.

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