BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2013, {$9100.00}, This is a Chase Bank card that is an authorized user account that I have never used or had access to. I have requested numerous times to have my name/ss # removed from being linked to this card since I am only an Authorized User and not a primary card holder, I DID NOT apply for this card. This account is in default by the primary card holder and I have requested to be unlinked from the account so my credit is not tarnished by this primary card holder that is not paying the bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My wife and I wrote Cease & Desist letters to all our creditors in XXXX, XXXX explaining that we owe almost {$150000.00} to all our creditors including their bill, and at the time there was no foreseeable way for us to pay our debts. We had lost our XXXX and at XXXX years old are no longer able to work. We are living on {$1800.00} per month with living expenses of over {$2000.00} per month. I have proof that the credit card company received our letter. I understand that we are judgement proof as our only income is Social Security. However, today ( XX/XX/XXXX ) I received Petition In Suit On Open Account that was filed with our local clerk of court on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX ( Collection Agency ) has been reporting to the credit bureaus and they are not licensed or bonded in the state of Texas.

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 2019-08-15
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
The below credit check happened on my account but I did not ever contact this bank nor did i apply for a care credit. 

I contacted the bank and they couldn't find application under my name and social Date on report : XX/XX/2019 Institution Information Syncb XXXX, FL 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 non-monetary relief
Consumer complaint received 2021-02-24
Company: Experian Information Solutions Inc.
State: NM
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:
Experian is not responding to any of my requests to investigate, verify and remove accounts from my credit report that were opened fraudulently.

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 2020-05-18
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This account max delinquency date is from sometime in XXXX. The account itself was charged off on XX/XX/XXXX. Experian is still reporting XXXX 's account as Experian verified in XX/XX/XXXX per a conversation with XXXX that the account max delinquency date was in XXXX! This is incorrect and inaccurate information. I need a letter from XXXX to provide Experian that clearly states that this account was charged off on XX/XX/XXXX. I have spoken to my point of contact XXXX at XXXX several times and he has been more than helpful but there is only so much information he can provide. The payment history he has given does show the charge off on XX/XX/XXXX but it is not clear enough for Experian.

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 2020-05-18
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: DriveTime
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: Credit inquiries on your report that you don't recognize

Complaint:
I know dates are from today XX/XX/XXXX back in XXXX i was given a lot of inquiries of my credit report that was not only false but because I asked to do soft pull rather then taking my points off my credit score and I need to dispute all my inquiries from all credit bureaus can someone please help me I was told to contact here t get some help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Before my mortgage loan closed, the underwriter stated that a condition of closing was that my flood insurance policy had increased to the replacement cost estimator provided by the insurance company. This was done and the loan was approved for closing. After the loan closed, the same mortgage company came back and requested that I increase my flood coverage to {$32000.00} more than the cost to replace my home stating it was their right to do so and acknowledged it offered me no benefit. 

If this was truly a requirement for this loan, it would have been required by the underwriters before my loan was cleared for closing. I feel this is an unfair business practice and is causing me to over insure my home. I would not recommend this mortgage company to anyone. 

I have attached email communication from the lender to myself and the insurance agent before closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In 2020 I closed my XXXX account. And moved my number, I paid my last bill. I started receiving calls that I owed a bill and it was sent to a collection agency call South West. XXXX gave me an address XXXX XXXX XXXX XXXX TX XXXX. I sent an email asking to get the bill, I sent a letter to South West Credit asking them to validate the debt, I never heard back from them. 

I ran my credit report on Friday, I saw XXXX bill was still on my account. I called South West Credit to dispute the bill and make a settlement. I found out that they had my wrong address and the wrong amount. 

I offered to pay half the bill to get the debt deleted from my account. They told me that I was suppose to write to them at the XXXX XXXX XXXX XXXX XXXX Texas XXXX. That address was not a contact on my credit report. 

They offered to take half the money as a settlement but not remove it from my account. 

I never got a chance to dispute the bill or they never validated the debt. When speaking to them today they said they can validate the debts now.This is after a year, they agreed my address was incorrect. They were very rude and also acted as bullies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was in the process of getting a VA refinance on X/X/2017 to pay off bills that my wife and I have accumulated and I attempted to find out the true amount and negotiate to pay off in cash a lower amount than stated. Either the collection company Transworld Systems Inc. or the XXXX XXXX, has already garnished two IRS checks and has not given us credit for this amount it has garnished after repeated attempts to get a bill or statement stating what the true amount that is rightfully owed after the garnishments. Even though I tried to negotiate a payment for the true full amount because of this fact, they would not. The amounts supposedly owed to them have gone up by thousands of dollars each month. These are loan sharking tactics. When I called the company that I owed money to, they gave me a lower amount owed but when I contacted the collection company they are asking for XXXX or more dollars over what I actually owe. Trying just to talk to the collections company was an ordeal in itself. They referred me to different departments and in the end after trying to negotiate with a person named XXXX XXXX, he gave a number to call which was the same number that I first called, and wanted me to contact someone else using the same telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: EQUIFAX, INC.
State: MD
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 contacted All 3 credit reporting agencies via email, fax and online disputes regarding a dismissed and discharged bankruptcy on my report as well as XXXX XXXX and other agencies to remove the bankruptcies from my reports. As of XX/XX/XXXX, 2017 with the new law that came out, bankruptcy should not be on my report because it does not include the information as allocated by law being my name, date of birth AMD social and according to my bankruptcy court they do not disclose public information to credit reporting companies..after several attempts, disputes and efforts. It still has not been removed and this is clearly a violation and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: ATG Credit, LLC
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is requesting payment in full on Account Number XXXX, in the amount of {$4600.00} for a XXXX online course. ( Please see the letter dated XX/XX/2019 attached. ) This course was paid for from my FSA loan and therefore there is no outstanding debt owed. This collection is in error. I have contacted XXXX  XXXX, XXXX to fix this, however I have not been successful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: CBC Credit Services, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Company name : cbc credit services Accounts manager XXXX XXXX XXXX Multiple phone calls a week using different phone numbers Me- Blocked numbers Company- XXXX multiple letters a month then Typed a letter stating and I quote " somebody get ahold of me or we will have to take further collection action!! The choice is yours!!! '' ( Thats Threatening to me ) Me-felt threatened being unsure of what this person is capable of or what she means exactly and feel like pople are going to just come and try to tak my stuff from me for this medical debt Company- Listed 3 debts on the page XXXX XXXX XXXX XXXX :  {$120.00} and {$480.00} Then said " Other '' : XXXX Unprofessional to not add a full list when trying to collect i dont know what " other '' is and where 10,000 + dollars came from This company made me feel unsafe in my own domicile and unsure if my thinga wil just start being taken

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed the false items from my credit report, and they did not send me physical proof which is break the law per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. I requested for this to be removed from my report and block it per section 605B of the Fair Credit Reporting Act. I provided documents to prove they received 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 2019-08-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have called Experian on several occasions with the attempt to to correct incorrect information being reported on Credit Report. I have been hung up on several times when an explanation can not be provided when asking about the dispute process. I have been told that there are no supervisors available when asking if someone else could take the call to assist me. I have experienced abnormal hold times when calling this business as if there is something in my account stating to be brief and short with this consumer, if not hang up on her. I do not feel as if I have been supported by the members of this credit reporting agency and have yet to been able to find someone in charge to address these concerns.

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 2021-01-21
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Incorrect information being reported to XXXX XXXX and XXXX XXXX XXXX XXXX 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have an issue dealing with a merchant on XXXX. I have attempted to resolve thie issue directly with the merchant and he refuses to respond. I was able to dispute some of the charges but not all of them due to them exceeding the 180 day mark. Now please read this part as it s important. There were payment installments made on one single invoice which is Invoice XXXX  from XXXX. Some of those charges can be disputed but others can not. Can you please dispute the entire invoice as it was only recently paid off back in XX/XX/XXXX? There are a few disputes already open so please refer to those.The total on the invoice is {$1300.00}. XXXX. 

XXXX and XXXX XXXX All of these charges are for the same product on the invoice which totals XXXX. These date back from XX/XX/XXXX to XX/XX/XXXX. 

I have attempted to dispute the transactions with Wells Fargo and they did not investigate. I have attempted to communicate with merchant with no response. Wells Fargo has helped me in the past with transactions and not sure why they are not helping me now.

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 2020-11-18
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
4 months ago I applied for the American Express Magnet Card that came with a XXXX signing bonus once you spend XXXX $ in the first three months. So I applied and got accepted within minutes and I had a debt I had to pay for college so it was a good deal for me. I payed up my college debt of XXXX using the card after three days of receiving the card and I was told by a representative that I will soon be getting my XXXX $ bonus in a couple of months in my account statement. Two days ago on XXXX I called and they told me retroactively I want eligible for the promotion and will not be getting the XXXX $ bonus. This after their representative explicitly told me I will be getting the bonus ( which they dont dispute, they said he needed coaching ) so I was never informed that I wasnt eligible and actually was explicitly told I will be getting the bonus so Im very disappointed in their customer service and their lack of ethical behavior. I wonder if this has to do with deep seated systematic racism that has transpired over the numerous phone calls Ive had with this company. I can only hope that during this challenging time that a company like Amex will not let such a travesty occur ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Prosper Marketplace, Inc.
State: PA
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 a large purchase loan through Prosper. I am disputing the 30 day late payment that you recently recorded on my credit report. My bank denied the initial payment back on 10/3, suspecting fraud. I immediately reached out to your company to process a second payment. This was never processed on your end. The funds have been available, and a subsequent payment has been made and processed. I have also attached a bank letter from XXXX outlining the payment rejection and fraud claim. Please update or remove immediately the late payment that is currently showing on the account. I have made multiple attempts to reach out to Prosper customer care via email with no response. 
I would also recommend that Prosper send an email to their customer when they have communication of any kind on their account so that one can immediately access this information without delay. I never received any email communication regarding this issue and or a phone call.

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 2020-09-03
Company: EQUIFAX, INC.
State: PA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$0.00}, {$0.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: OK
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:
DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT XXXX XXXX {$360.00} XXXX XXXX XXXX {$720.00}

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