BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Diversified Consultants, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This account was opened in XX/XX/XXXX not XX/XX/XXXX! They have false dates on my credit report which is effecting it negatively!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Capital One Card was charged various times by XXXX XXXX XXXX, the payments were placed on hold by Capital One then released and not shown in my available balance. My account was closed. Capital claims that too many returned payments was the reason why. I checked my statements and no payments were returned returned. In fact XXXX Bank confirmed that Capital One returned my electronic payments for {$170.00} and {$90.00}. I spoke with XXXX, a capital one rep, today with a Rep from XXXX on the phone. She confirmed that Capital One had my money on hold for the rental but couldn't explain why my balance was so high. The rep with XXXX confirmed that payments that Capital One received payments from me. My balance is reflecting a positive balance and not a negative one. You call there and get unprofessional agents that aren't based in the united states. XXXX stole money from me and fraudulently closed my account. When I tried to tell them my balance was wrong, instead of admitting that I was right they refunded my money and closed my account. I want my money that they stole from me. I want them to provide proof of returned payments. I have proof no payments they received from me weren't returned. Please listen to all phone conversations from XX/XX/XXXX until XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29
Company: JPMORGAN CHASE & CO.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had an account with Chase Bank..it was a checking account. I have XXXX on my vehicle which enabled me to use my phone. I informed XXXX in XXXX that i would be changing financial instutions and to cancel the debiting of my account for payment. However, when time for payment came around they debited the account anyway, but by that time I had changed financial institution. 

There was no more money in the account for XXXX to get money. At Chase Bank it should have came back as " insufficient funds. '' Thus, the situation would have been null and void. But because I changed financial institution Chase Bank accepted the payment without my approval and without funds in the account. In the past when I have had an account with Chase Bank and would go to another institution relinquishing direct deposit, they would recognize such and close the account. i did not have overdraft protection with Chase for them to accept payment without funds in the account. My new account is with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11
Company: EQUIFAX, 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:
XXXX XXXX XXXX  XXXX. 0pened XXXX XXXX. This is not my debt. Someone else used my identity. XXXX XXXX XXXX   {$830.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX {$500.00}XXXX XXXX XXXX XXXX. XX/XX/XXXX. XXXX medical bill. Va paid it. {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
U have questions concerning g such issues as insurance. I need a copy of any contract i signed with wells Fargo bank to answer my questions. Please send me a copy of any contract i signed with wells Fargo ban k ASAP

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 2018-06-27
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was notified by the credit bureau that my account with Synchrony Bank ( XXXX ) was closed. After receiving the notice from the credit bureau, I received a letter from the bank saying that my account was closed because of high balances and a delinquent account. There were fraudulent charges on my account which led to the account reporting incorrectly. The bank never contacted me to see if the information reporting was accurate. I should have been given the opportunity to explain. My account payments have been timely and always paid more than the minimum amount due. I feel that my account was targeted and closed based on my ethnicity.

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 2018-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 an active XXXX that I opened several years ago with XXXX XXXX. In XX/XX/2018 XXXX sold their credit card portfolio to XXXX XXXX, a subsidiary of XXXX XXXX   XXXX  XXXX, XXXX, South Dakota. XXXX sent a letter to me and all customers notifying them about the portfolio sale to XXXX effective in XXXX. 

In XXXX, when XXXX XXXX  XXXX  XXXX reported my XXXX account to TransUnion, XXXX  and XXXX for the first time, my XXXX  credit scores with these 3 credit bureaus all dropped dramatically. My scores dropped 103 points with TransUnion, 97 points with XXXX, and over 50 points with XXXX. 

I did not have a late payment or an increase in my balance, or any other negative action on my part. In fact my TransUnion report that I access through XXXX noted that I had paid the balance lower and they showed that as a positive change. Additionally there are no other recent changes, late payments, increased debt, or any other negative items on any of my other accounts. This drop in my score is definitely the result of the XXXX to XXXX sale. 

So, because one financial company ( XXXX ) sold their credit card portfolio to another company ( XXXX XXXX XXXX XXXX  XXXX  XXXX ) the result of their actions is my credit score plummeted about 100 points. I did nothing wrong here. I should not be punished and harmed when I've done absolutely nothing wrong. 

I have called each credit bureau and XXXX XXXX, as well as contacted XXXX XXXX XXXX XXXX. I also filed disputes with TransUnion and XXXX. Results : XXXX told me they are reporting correctly and the credit bureaus responded that they investigated and verified the details of my account at XXXX. Everything shows paid as agreed and no other negative issues. 

Summary : I can not get an answer from any credit bureau about why they destroyed my credit rating and lowered my scores about 100 points, when this credit card portfolio was sold. It is not fair business practice to cause great harm to the consumer when I've done nothing but meet my obligations. The bureaus harmed me because two big companies sold this portfolio. I had nothing to do with that.

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 2018-09-30
Company: CITIBANK, N.A.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Identity theft.

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 2018-06-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
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:
My first dispute letter was sent XX/XX/2018. My second letter was sent XX/XX/2018 according to my mailing receipts. 

XXXX XXXX XXXX continues to report negative inaccurate information to my credit report. 

After the first letter, XXXX updated accounts to verified as accurate but ALL debts are paid off. XXXX   has not provided proper documentation as to WHY they are continuing to report negative information to my credit report. 

After the second letter, XXXX sent a letter stating XXXX is attempting to collect a debt. 
XXXX XXXX XXXX has not provided valid documentation of debts owed. 
This information is inaccurate. 
XXXX XXXX XXXX is now in violation of the FCRA and continues to be in noncompliance.

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 2019-01-24
Company: Stearns Ventures, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan was sold have not recieved any notification from new lender. My payment is due is 7 days. I have waited on hold with old lender they never answer phone. 

Can you please help me resolve this at your soonest convenience. I do not want to be penalized. I have recieved no notices. I have never been late on a payment in my life.

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 2018-12-11
Company: PayTomorrow, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/2018, I purchased a computer from XXXX XXXX XXXX XXXX, Wisconsin. The company used XXXX for its customer financing. My loan was shopped to several companies, including XXXX, XXXX, KRW Associates, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and more ). I  made the downpayment and monthly payments through XXXX. I have been receiving debt collection calls for a LEASE from KRW Associates after making {$930.00} in payments against a debt of {$1100.00}. I did not take out a lease, I applied for a loan. None of the paperwork that I was provided at the time said anything about a lease, or anything about KRW Associates being the backend loan provider for my purchase. In addition, when I looked up KRW Associates online to contact them, it is an Executive Search firm and a payday lender out of XXXX, NC. My purchase loan application made through XXXX XXXX  XXXX  XXXX  was transmogrified between these companies and KRW Associates, without the information being communicated back to me until now -- nearly a year AFTER I made the purchase. In addition, emails from KRW Associates that should show what I owe will not open on any computer or mobile device - it is as if they send corrupted electronic communications to hide what was being done. It wasn't until after I missed a payment that I got any notification that KRW was attempting to collect on a LEASE. This is a bait-and-switch fraud and KRW refuses to fix the account or work with XXXX or XXXX XXXX to clarify they had intended for my purchase finance to be a lease ( which is why I am now making this complaint ). I have attempted to fix this on my own for two months now, and am at a loss.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
showing wrong address they won't remove well its why the FTC violation occurred XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX 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 2018-04-24
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Citibank confiscated my mom 's checking/savings account, saying the account was abandoned. My XXXX year old mother, who has been in a rehab center for a year due to seriously XXXX XXXX, had a home equity loan and money market account with them for nearly 20 years and cashed out her life insurance policy last year to pay off the loan, of which she paid over {$200.00} a month in interest. Without prior notice, I received a notice from CitiBank that they had confiscated her account due to abandonment. They claim they sent notices, but since her horrible injury, I have been handling her mail and I never received ANYTHING stating this action would be taken. After being told there was nothing I could do about it, by my 3rd call they ordered me to fill out a statement citing the circumstances, the total amount of which was {$210.00}, have my mom sign it, and a check would be sent. One was sent, short the {$5.00} from the money market account. Repeated requests and demands for the entire amount, which was listed on the signed request they received, they have dug in their heels and now say .I need to fill out forms to get the {$5.00} back! It may seem like a pittance, a petty complaint, but how many people have they done this to who aren't aware it happened, especially the elderly and the XXXX? I've warned them 3times I would file a report over this, and even recommended they simply put a {$5.00} bill in an envelope to solve this problem, but they are adamant about filling out more forms eventhough the amount on my mom 's signed letter was acknowledged by CitiBank to be the amount she was owed. We came from the XXXX and CitiBanks stand on the 2nd amendment and their refusal to serve people or business who associate with the XXXX is widely known, and being members, we refuse to allow CitiBank to keep even a single cent they don't deserve! My mom is adamant ... .she wants the ENTIRE AMOUNT THEY TRIED TO STEAL! Please help us stand up to these XXXX who would rather be reported than give an old, XXXX great grandmother her {$5.00} back! We are on fixed incomes and every penny counts in this household! Show CitiBank that they can't be a XXXXBank and get away with 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 explanation
Consumer complaint received 2018-06-27
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:
XX/XX/XXXX XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX XXXX-HARD INQUIRYXX/XX/XXXX XXXX XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX-XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX7-XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX-XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX-XXXX-HARD INQUIRY-FRAUD I HAVE HAD A FRAUD ALERT ON MY CREDIT FOR THE PAST THREE YEARS BECAUSE OF MY CREDIT BEING COMPROMISED BY EQUIFAX. I HAVE SPOKE TO EVERY CREDITOR LISTED ABOVE AND THEY ALL HAVE AGREED THAT I HAVE SIGNED NO APPLICATION. I HAVE CONTINUOUSLY REPORT THIS TO EQUIFAX AS FRAUD AND TO REMOVE THESE HARD INQUIRIES FROM MY CREDIT AND EVERY TIME I DO SO, THEY SAY ITS FACTUAL RECORD WHEN THERE IS ABSOLUTLEY NO WAY ITS FACTUAL RECORD. I WANT EQUIFAX INVESTIGATED JUST AS ALL THE OTHER MILLIONS OF CONSUMERS WHOSE CREDIT HAS BEEN COMPROMISED BY EQUIFAX TO MAKE SURE THEY ARE DILLIGENTLY DOING THEIR JOB TO REMOVE FRAUDULENT INQUIRIES ON MY PERSONAL CREDIT THAT SHOULD ABSOLUTELY NOT BE THERE. THE NEGLIGENCE OF EQUIFAX HAS RUINED MY CREDIT BECAUSE OF THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was offered a mortgage reinstatement opportunity with J.P. Morgan Chase. I fulfilled the reinstatement requirements within their required time frame. I faxed copies of the wire transfer confirmation to 2 different Chase numbers per there direction, for normal business practices and escalation purposes. My bank has recorded the wire transaction as complete on XX/XX/XXXX. I have emailed the wire transfer confirmation on XX/XX/XXXX to the attorneys representing J.P. Morgan Chase XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Michigan XXXX, obtaining a confirmation of receipt, and a corresponding followup from the attorneys stating they are waiting on their clients response to hold off the court sale.Chase says they need 5 to 7 days to process the reinstatement. The sale date is tomorrow, XX/XX/XXXX. The reinstatement execution is good through close of business XX/XX/XXXX. Why would they schedule a sale date less than 7 days out from the agreement date if they need processing time. I have met their offer of reinstatement within the time frame, they seem to be badging me and threatening a sale beyond what the reinstatement offer. I find their practices immoral and very unhealthy, and am looking into the legality of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Conserve company is attempting to collect {$1100.00} for a debt which I am not responsible for. It is affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: EQUIFAX, INC.
State: TN
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:
XX/XX/XXXX I contacted XXXX- ( XXXX XXXX XXXX XXXX ) about my discharged student loan account being reported incorrectly. XXXX then sent a electronic deletion request to Equifax to delete the 2 trade lines from my Equifax report. After submitting I contact Equifax on the status of the request on the XX/XX/XXXX and  was told request was request was received but account were only updated to XXXX balance and paid collections. I then Contacted XXXX again the XX/XX/XXXX and informed them of the accounts where not deleted. Another electronic request was sebt by XXXX on XX/XX/XXXX to  delete the trade lines and again request was ignored. I then faxed into Equifax the letter of deletion request XXXX sent to me to Equifax son XX/XX/2018 and again equifax ignored the request. XXXX has sent 2 request on XX/XX/XXXX and XX/XX/XXXX to equifax to delete the trade line. As of XX/XX/2018 both XXXX trade lines Account # XXXX remain on my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Amsher Collection Services, Inc.
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I live in XXXX. I was in XXXX TX. during the month of XX/XX/2018 for medical care by the VA. I went to XXXX and applied for their " senior plan, '' etc., for which I believed there was no contract. A hard inquiry was made on XX/XX/2018 and the plan, for which I thought had no contract, was approved. 

XXXX XXXX emails me for changes in my credit. I then noticed that a collection account was opened by Amsher Collections on XX/XX/2018 for {$100.00} as per XXXX. 

I called XXXX and spoke with a clerk and my account was checked, which stated that I owed {$100.00}. Also, I filed a dispute with XXXX or XXXX and the dispute returned in XXXX 's favor. 

My understanding was that there was not a contract that said that I had to pay a certain amount per month for their service and if I wanted to terminate the service to just stop paying each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation