BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-30
Company: JPMORGAN CHASE & CO.
State: CA
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:
I was illegally evicted from my apartment and forced to take everything I could fit into my car and stay in Hotels in XXXX California. As it was high season I had to change hotels almost on a daily basis. There are numerous charges duplicated on my credit card. I have not only been charged by XXXX, XXXX and XXXX but also at the hotels. They are only supposed to take my credit card number to hold the hotel room for me until I arrive but I have been debited twice for the full stay. This adds up to thousands on my credit card. My credit score has dropped from XXXX to less than 600 and I can not get an apartment without a credit score of 700+ I'm currently staying with a friend in XXXX XXXX , Ca until I can get this a sorted out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX. Equifax, AFTER my written and repeated requests and without reason, refuses to provide me with an 'ARCHIVED ' record of my credit score for XX/XX/2020. 
XXXX. The downloaded documents detail that ( Attachment # 1 ) Equifax provided me with my current score. That's not what I wrote them for ( Attachment # 2 ). 
XXXX. Equifax KNOWINGLY refuses to provide me with a record of my score history, because they asked me to submit verification information that THEY ALREADY HAD. XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX adversely affected my credit score when they informed me that they retrieved a score from Equifax that resulted in their decision to administer adverse actions against me based upon 'Delinquency '. XXXX Attachment # 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Atlantic Credit & Finance, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I would like to complain about the debt collection from the agency XXXX XXXX XXXX. I was a cosigner for a former friend, who had a XXXX. She opened up an account to make payments on a credit on XXXX, XXXX with the company, XXXX XXXX, but needed a cosigner just in case the payments were not met. She made it seem like she was responsible enough to make them, so I said yes.I was not aware of the documents and the requirements to be one, and she knew of this and took advantage of the situation and filled out my information. I was not aware she was supposed to hand me documents and she forged my signature. Saying yes to be a cosigner were just words, but it being signed and dated by the actual person or to have it in writing by my permission of course are two different things. What if I had changed my mind? I was young and was only saying it to be a good friend. I was not aware she topped making payments until the debt collection company, Atlantic Credit & Finance Incorporated contacted me in XXXX, XXXX after she stopped making payments.The debt collectors turned to me and my information and started asking me for payments on XXXX of XXXX for about {$9800.00}. I have called and spoken to people from XXXX XXXX and Atlantic Credit. I told them I did not sign any documents pertaining to the documents needed to sign for a cosigner and even disputed the account in XXXX, XXXX, but it seems like they can not do anything to remove my name and my information from being a cosigner. I reached out to Credit people from XXXX  in XXXX, XXXX, to explain the situation and they refused to give me any information on the account, even though I am the supposed cosigner, but because I am not the primary account holder, which would be my former friend in debt. They have been sending my letters in the mail with her name on it, asking for {$7500.00} and have called me on several occasions. Also, I do not know the company 's location where she got her XXXX, because they have refused to give me that information as well. Thank you for your time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05
Company: Santander Consumer USA Holdings Inc.
State: MA
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 don't remember paying late on this account. Why do I see 30 days late remarks. 
SANTANDER - XXXX XXXX XXXX XX/XX/2019 XXXX  XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: ONEMAIN FINANCE CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I had contacted One main XXXX Fl in XXXX due to the effects of the covid 19. I unfortunately suffered a set back as my company released me due to the pandemic. I asked them to take me off of direct pay because i had no income and could not afford to make the payments on the two loans i have on the dates they were scheduled to be drafted. They directed me to thier website where i was able to do it myself. They then called me every couple of days to check on thier payments and i explained to them that i am working on trying to gain reemployment but its very hard at this time. I struggled and found a way to make both of XXXX payments late, the last one being  around the XXXX. On XX/XX/XXXX without authorization they drafted XXXX dollars out of my account that was unenrolled in direct pay and sent me into negative with bank fees making my position worse. They claim they were here to help during these trying times but in all reality, they could care less because they will not refund any of the unauthorized money they illegally took from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 was looking at my credit report and I'm seeing inquires that I do not recolonize and want those removed. I believe that are the result of what I believe to be fraudulent activities. I must note that I did not apply for credit accounts with the below listed companies and creditors. Some of these are the result of attempts to open accounts, but the companies did not approve these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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/18, my account through Capital One was closed and sent to collections. My dispute with XXXX  was over a debt reported with an incorrect balance. I was contacted by XXXX XXXX and I also disputed the accuracy of the balance directly. Both disputes were denied. I disputed the balance they have because the card maintained by the original creditor, Capitol One, was a secured card with a credit limit of {$200.00}. Capital One allowed a merchant XXXX XXXX XXXX XXXX ) to force debit authorization for an amount that should have been declined because the requested amount was way over my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The complaint is about Chase Bank. I received a text message stating that my bank account has some fraudulent activity. There was a link on that text message. I clicked on the link it took me to a Chase login page. The page had to chase logo and a place for me to put my login and password. I put in my login and password and Nothing happened so I put in my login and password again still nothing happens. I thought it was weird but since my credit cards were still working I didnt think much of it and continued shopping. Then I checked my checking account after this happened there was money sent using XXXX to some unknown place. I immediately called Chase customer service told them what happened they inform me that my bank account has been compromised. I followed the instructions they gave me which was to make a claim and go onto the bank and make a new checking account. I did this immediately Right after I hung up the phone with Chase. I had to change my direct deposit and all my automatic payments information. I have been banking with Chase for years I have many accounts with them. I finally got a letter in an email after about A week. The letter stated that there was no fraudulent activity that they found. I told them I did not make this transaction and Chase told me that there was nothing they can do. They said that I can go to the police and the police can help me. The police are not going to find time to find out who hacked into my account and took {$300.00}. I was hoping more from my bank. The bank tells you all these things that they will do for you when you were looking for a bank account and now that something has happened they can not help me. I have never sent money to this vendor and I have never had this happen on my account, i have never been late on any payments. I feel like my bank is not helping Me and somehow this is my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Springer Collections Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im receiving letters and phone calls of harassment, abusive and profane language, garnishment of bank accounts, death threats and threats of being sent to jail and prison continuously from Springer Collections Representatives for a debt of {$5000.00} they say I owe to XXXX XXXX XXXX for Child and Family Development in XXXX, Minnesota. The debt is a fraudulent debt and and is the result of identity theft. The debt isnt my debt. Springer Collections are in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Experian Information Solutions Inc.
State: GA
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  listed three key factors that adversely affected my credit score ;  two of them were : Proportion of balances to credit limits is too high Amount owed on accounts is too high These are false. My combined credit limits ( on two cards ) is over {$32000.00}. On XX/XX/XXXX, when the credit report was run, their balances were XXXX. XXXX dollars, XXXX cents. For as long as I've had those cards, they have been paid off in full, on time or early. 

Experian and XXXX  listed these factors as well. 

Please advise.

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 2019-04-22
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: Account information incorrect

Complaint:
I have had two XXXX and applied for social security when I turned XXXX. When I turned XXXX, I needed to confirm my SS account to obtain a copy of my XXXX card, and went to the SSA.gov website. I was asked about two loans that I did not recognize, 1 ) a bank/auto loan from XX/XX/XXXX, and 2 ) a bank/auto loan from XX/XX/XXXX. 
I have requested a mailed copy of my credit report from XXXX, but am concerned there has been fraudulent activity ( by a neighbor upon his release from prison ) using my social security number that is now showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After checking credit report I found out fraud activity and accounts which are not belong to me. However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. It's not my accounts. 
I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me. 
I uploaded my personal information like SSN, DL, Proof of the address and Identity Theft where all fraud accounts were listed. Please remove them as soon as you can.

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 2021-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We submitted a request to lock our mortgage rate on XX/XX/21. Our loan officer confirmed that she had received our request and was locking it immediately. I replied within the hour to thank her for doing so. After 6 days of not getting an update, I requested the rate lock in writing. Our loan officer told us that our rate was not locked. 

Loan Officer said she would find out what happened. After about a week our loan officer said there was some sort of tech issue with locking the rate on the website. A few days later she found the reason she could not lock our rate was because our credit report had expired. She said that tech support would not tell her the reason she was unable to lock our rate. We would have appreciated being alerted that our rate was not locked. We only found out because we inquired about our rate lock. 

Our loan officer says while she will try to get management to honor the original rate lock that it appears that it most likely won't happen. We locked it today at 3 % because we do not want it to continue to increase. We understand there is a high volume of loans to process. We do not understand why we should be penalized. Any help would be welcome. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
DATE OF LETTER ; XXXX They put too many obstacles in place to pay down your mortgage. Wen you set up your account for them to make pay bi-weekly thru auto withdraw from checking account they do not post payment until the whole payment is in. I was just informed they will no longer be accepting bi-weekly payment, after I set up automatic withdraws over a year ago and have been taking payments out bi-weekly that they control. I had not wanted them to have access to my account but it was the only way they would accept bi-weekly payment and post them in a timely manner. I feel that they want the consumer to spend 30 years paying the mortgage at this point and i have had nothing other then problems with this company since my home loan was assumed by them due to it being sold off to them. I have worked with many other mortgage companies and never had so many problems.my complaint is why are they dropping or saying they no longer accept bi-weekly payments and is it even legal do pull this stunt? 
i attempted to contact them but after being on hold for about a 1/2hr. i finally hung up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER REVIEWING A COPY OF MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT WAS PLACED ON MY REPORT. THE ACCOUNTS DISPUTED ARE INACCURATELY PLACED ON MY CREDIT. PLEASE RE-INVESTIGATE AND HAVE THE DISPUTED ITEMS OFF 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 non-monetary relief
Consumer complaint received 2019-04-22
Company: Experian Information Solutions Inc.
State: MS
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 disputed with Experian on XX/XX/2019. And now after a complaint last week, they want to investigate this dispute after more than 90 days. I send a letter in XXXX, XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I received a notice via the CFPB from your firm stating that my complaint requesting the erroneous, inaccurate, and incomplete items on my report to be deleted was not me. I have a legitimate complaint that you are knowingly reporting false, inaccurate incomplete, and unverifiable information on my credit report. I have brought it to your attention now 3 time. I expect this matter to get resolved immediately. 

The items you are reporting are completely inaccurate and incomplete and unverifiable ; and this is a very serious error in reporting on your part. 

Please delete the misleading information ASAP, and provide a corrected copy of my credit profile to all creditors who have received a copy with in the last 6 months or the last 2 years for employment purposes. 

This false information reflecting on my credit profile is causing me mental, physical and emotional stress and is effecting my health. I expect this matter to be resolved immediately. If it is not I will be forced to seek further assistance from the FTC, XXXX, and my states Attorney Generals Office. 

You have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

The date of my first letter complaint wasXX/XX/2021. To date you have failed to follow the rules set out by the fair credit reporting act.

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 2021-02-01
Company: Collins & Hilton Asset Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'VE BEEN DISPUTING AN ACCOUNT THAT RECENTLY APPEARED ON MY CREDIT REPORT THAT I BELIEVE IS PART OF MY IDENTITY THEFT CASE FROM EARLIER LAST YEAR AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. IT KEEPS COMING BACK SAYING VERIFIED BUT I DON'T KNOW HOW IF IT'S NOT MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to my credit reports. The collection agency is CFSI ( CommonWealth Finincial Systems ). The original creditor was XXXX XXXX XXXX XXXX XXXX.Request for verfication was sent to XXXX, XXXX, and XXXX. Request for verification for this was sent to the bureaus by me, on XX/XX/XXXX. On XX/XX/XXXX XXXX updated the collection as a Closed account. On XX/XX/XXXX XXXX sent notice that the company verified the account. XXXX voilated section 609 and 611 due to not conducting proper investigation and not correcting inaccurate information. The date of status on my report is XX/XX/XXXX which states on the XXXX  website this is the date the creditor last update the account. When the creditor validates the account this date should be updated. The account is inaccurate due to the open date, date of service, patient name with me as guarantor. I received a letter from CFSI on XX/XX/XXXX, that shows a {$0.00} amount due, with a Patient name : XXXX XXXX XXXX. This person is not me and I have never authorized to be a Guarantor for this person. Also the date of service shows XX/XX/XXXX I was not prosiding in the state that is listed as the place of service : XXXX, FL. Lastly the debt is being addressed to XXXX XXXX XXXX, my name is XXXX XXXX XXXX. My credit history is being affected by keeping an account on my report that I am not responsible for and doesn't belong to me.

Company response to consumer: Closed with explanation