BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My credit score went down XXXX XXXX  on XXXX even though I never missed any payments nor I dont have any loans open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: IN
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to fix and update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: BARCLAYS BANK DELAWARE
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 information incorrect

Complaint:
The account is closed and I have tried to pay it off, but Barclay 's will not let you talk to anyone and keeps reporting the account. Then they said it's with a third party collection company that is unidentifiable and they will not give any contact info. The credit bureaus keeps letting them verify info and the said info is not correct. They are ruining 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 2021-03-30
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
When my stimulus payment was directly deposited the bank credited my account for previous overdraft fee 's in the amount of {$170.00}. The credit applied on XX/XX/XXXX, as an unsolicited deposit. 

On XX/XX/XXXX I received a secure message from Chase Bank, explaining the deposit was only temporary in order to access all of the stimulus funds provided by the government and it will be debited back in 30 days. 

I never requested the temporary assistance from the bank - and certainly did not agree to any type of loan with a 30 day repayment assistance. 

I sent a several messages to the bank with zero response, asking them to provide law and or policy stating what gives them the right to provide a loan without my permission, and they continue to respond with the same form letter sent on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX, has has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

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 2020-04-17
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: Account status incorrect

Complaint:
I am XXXX XXXX military personnel, I have my money deposited for my loan to be paid and XXXX is to take the money out as scheduled on the XXXX and XXXX of each month. The money just sits in the account to be drafted on the specific date scheduled. I have spoke with representatives that are extremely rude, I have also tried to speak to a manager and the leadership refuses to speak with me as well. XXXX takes the money out 3-5 days later when the account is lower than the loan amount and then reports to my credit the loan is being neglected which has taken my credit score down 70 points. As a military personnel I am unable to always call as to why my account is authorized for auto draft. These false reports is causing my superiors to be alarmed thinking I have a failure to maintain financial responsibility. I need someone to please assist me so I can continue to do my job in protecting our country with a clear state of mind.

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 2020-07-14
Company: American Coradius International LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a letter from American Coradius International LLC phone XXXX XXXX regarding a collection of a debt for XXXX credits accounts/Bill me later from current creditor XXXX XXXX  Original Creditor XXXX for the amount of XXXX I called the collection agency on XX/XX/XXXX at XXXX spoke to an agent XXXX to verify the validity of the debt and was told that the account was charged off in XX/XX/XXXX. I asked her for the copy of the charges so that I can verify that the account/amount is valid but she advised me that she was not able to give me that information as she did not have it and she asked me to call XXXX XXXX at XXXX which I did at XXXX and was informed that they " XXXX XXXX '' do not have any records of accounts prior to XX/XX/XXXX. I was asked to call XXXX XXXX XXXX XXXX and I did at XXXX and was told that they do not have a record of the account, they in turn asked me to call XXXX at XXXX XXXX and I did at XXXX and was again asked to call XXXX working Capital line XXXX XXXX ( XXXX ) without success and I was asked again to call the collection agency. I called and spoke to supervisor XXXX XXXX who told me that he would be able to request the records but that would mean that the debt would no longer be with his agency, he asked me to call XXXX back and I did again and was asked to call other departments XXXX, XXXX XXXX and I did unsuccessfully. I also called XXXX customer service at XXXX XXXX ( called multiple time reached automated reply stating we are not able to help you at this time requested that I contact the help center on line which I did and sent them messages without resolution. I called the collection agency back and asked to speak to Mr XXXX and left a message asking him to call me back at XXXX and when I did not get a call back, I called again at XXXX, he told me that he is going to put out a request to have the details of the account mailed out to me. As I would like to resolve this matter would you please assist me in getting in touch with the group/company that is able to handle this matter. I can be reached at XXXX XXXX or via email XXXX or XXXX. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX   XXXX {$1700.00} XXXX XXXX {$19000.00}

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
Consumer complaint received 2018-05-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
USAA closed all of my bank and credit accounts without warning or reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX   XXXX {$1700.00} XXXX XXXX {$19000.00}

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
Consumer complaint received 2020-07-15
Company: CITIBANK, N.A.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To : Costco Anywhere Visa Business Card by Citi Date : Tuesday / XX/XX/2020 Re : Disputing your response letter dated XX/XX/2020 My initial complaint/dispute was with XXXX XXXX. On XX/XX/2020 this account was closed from their office and returned to you ( Citibank ) per their letter to me. On XX/XX/2020 you responded with information that is incorrect. It is your response to which I am now disputing. I will do my best to tackle this line-by-line so we are clear on this. 
First : that you have CLAIMED to be unauthorized - I am disputing this for this is not a claim, but a solid historical truth. Again, I was a victim of ID theft, and have a police report file to correspond to this. I noticed unauthorized charges on my XXXX account, and they removed the charges FOR the bank account was NOT even mine. Again, from my initial dispute letter to XXXX, the SAME last 4 digits that XXXX said the unauthorized charges came from - are the SAME last 4 digits of this problem. This account is NOT mine. 
Second : OUR RECORDS reflect that you alerted us ( and ) that you logged into Citi Online multiple times - I am disputing this for ( 1 ) What records are these? Are they phone recordings? If yes, then you will have to produce these recorded phone conversations if we must move forward in this. SOMEONE called you as me, but it was NOT me who called you. ( 2 ) Your records say I logged in multiple times. Your online records will show an IP address from where these multiple log-ins came from. I only use my phone and not any computer. So, again, SOMEONE logged in as me from their computer, but it was NOT me from my phone. 
Third : our RECORDS reflect you verified by phoneas well as payments that were made to the account which were returned by your financial institution - I am disputing this for which financial institution do your records show I have? I have only banked at XXXX XXXX, and they have NEVER withdrawn any payments made from me to you. This evidence will clearly show that I, from MY financial institution, have never pulled back any payments made. SOMEONE else did this from THEIR financial institution, but it was NOT me from mine.

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 2020-07-15
Company: Sequium Asset Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company XXXX put this debit on my credit report during the COVID -19 pandemic To my knowledge no collection can put anything on your credit during this time. I demand they remove this immediately because it has brought down my credit score and I  dont owe this company any money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Capio Partners, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, CAPIO PARTNERS opened a collection. 
{$940.00} that I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureau 's. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called them and told them that the account was open fraudulently and that maybe that they had me confused with a me and my step dad XXXX XXXX XXXX, but anyways I contacted them and let them know and they told me that they would let the credit bureaus know it's take it off still nothing has been done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I recently sent a letter of verification to XXXX, Equifax and XXXX. I sent that letter about 35 days ago and have yet to hear anything back from them. I ask that they supply me with information on how this account was verified and why was it showing up on my credit report. I don't feel as I am liable for the debt that is being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
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: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting a balance and charge off status for an account that was included in bankruptcy on XX/XX/2019 and discharged on XX/XX/2019. I filed a dispute with CPFB to XXXX & Equifax. XXXX resolved their dispute & assured me it was fixed, but when I checked my credit it was only fixed on the other 2 bureaus and remained on equifax. I called XXXX & notified them of the issue on equifax & they stated they would fix it. After still no resolution with XXXX & Equifax still not resolving the original CPFB dispute with them, I filed another dispute directly with equifax on their website. Equifax closed the dispute today stating my file was updated, but when I check my file it is still showing a balance for this account & charge offs after the bankruptcy discharge. I then called equifax and after going through 10 minutes of security verification questions with a representative that I had a hard time understanding, she told told me the verification process was complete and she would look at my account and then disconnected the call! I am so beyond frustrated with this & if it is not promptly fixed I will have no choice but to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit, I noticed Midland Credit Management placed a collection on my credit. I sent a debt validation letter on XX/XX/2021, immediately after noticing the collection. The letter sent clearly states the timeline in which they are required to respond, as per the Fair Debt Collections Practices Act. I followed up on XX/XX/XXXX, with a letter notifying them of their nonresponse and their responsibility to comply with the law regarding collections. Midland is now in violation of FDCPA rules.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
HELLO IVE BEEN TRYING TO REACH OUT TO THE THREE CREDIT BUREAUS.

ABOUT THESE INACCURATE NEGATIVE ACCIOUNTS THAT I BELIEVE ARE NOT MINE. IVE ALWAYS HAD HEALTH INSURANCE AND THERE WAS AN ACCOUNT OF XXXX XXXX THAT I REPORTED TO THEM THAT I HAD BEEN A VICTIM OF IDENTITY THEFT. THEY HAVE NOT CONTACTED ME AND I HAVE A LAWYER WHO IS WORKING WITH ME.

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 2020-07-15
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is not reporting current payments and continuing report to all 3 credit bureaus as being late despite making payments. XXXX XXXX XXXX is not reporting the correct loan amount on all major credit bureaus.

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 2017-07-03
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Bank failed to honor new account promotion code  XXXX . Bank owes me {$220.00}.

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
Consumer complaint received 2021-03-28
Company: Lenox Financial Mortgage Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I entered the " Fast Track '' re-finance program with Lenox Financial, DBA Weslend Financial, XXXX XXXX. I was strung along for four months when they finally ordered the home appraisal when was to be reimbursed to be at the end of the process. I paid for the appraisal in XXXX ... in XXXX they were no closer to finalizing the re-fi and still could not give me a date for closer. I spoke innumerous times with XXXX XXXX my mortgage advisor who was also very frustrated and told me he would be leaving the company. He offered me the name of another lender and told me he would reimburse me for the appraisal fee of {$520.00}. I also spoke with the owner XXXX XXXX who too was apologetic ... he said they just had too much business. This certain looked like a bait and switch. I qualified for their " Fast Track '' program based on my excellent credit, income etc. I did everything timely. Just because they have too much business doesn't mean they do not have to live up to their part of the contract ... '' Fast Track '' re-fi! I feel five months with still no commitment to close is long enough for me to wait. I was very patient but do not feel that I should be penalized financially because of there failure to perform. Also I missed out on the better rates by wasting 6 months of my time with this lender. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
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 FILE A FTC REPORT AND REQUESTED THAT THEY BLOCK THESE ITEM AND DELETE THEM THEY TOOK OVER 45 DAYS WHICH IT SHOULD BE 4 BUSSINESS DAY ONCE THEY RECIEVE THE ITEM AND THEN MAKE THERE DECISION I ALSO SENT LETTER TO THE CREDITORS AND THEY ALSO SENT ME NOTHING BACK

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 2020-07-15
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 have provided a police report to remove a fraudulent auto loan that was reporting on my credit and it continues to be reporting even after providing all the needed paperwork. I was not aware of incident until recently when I had my credit report run to obtain a credit card. I was informed I had defaulted in my car loan account and was credit was denied. I tried to dispute it with the credit bureaus without any success.Today XX/XX/2019 I got a letter in the mail stating that I owed a very high unpaid balance on a car that was repo and sold by XXXX. This is not my car, i have not purchase a car thru XXXX in years, so I feel that someone is using my personal information to obtain credit

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