BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I added a few authorized users to my 'Chase XXXX XXXX ' credit card. I opened my account on XX/XX/2016. I never had any late payments, late fees or missed payments. I have a 100 % on-time payment history with Chase. I never done anything illegal with my credit card ( e.g., online gambling, etc. ) I never submitted a Reg E claim. I never violated any of the cardholder 's terms and agreements. Also, I do not have any late payments, missed payments, collections, charge-offs or public records on my credit reports. According to XXXX, all XXXX of my FICO Scores are 700+. 

Chase made the egregious decision to unilaterally close my account without any advance notice. Chase stated account closure due to authorized users, however, according to Chase 's website : " Share your Chase card with ones you love '' https : XXXX Chase 's website encourages consumers to add authorized users stating its benefits. I have a relationship with all of my authorized users and none of their names or information are fraudulent. All of my authorized users expressly consented to be added to my Chase credit card. 

This is misleading advertising and a violation pursuant to the federal truth-in-advertising law. 

Under the Federal Trade Commission Act : Advertising must be truthful and non-deceptive ; Advertisers must have evidence to back up their claims ; and Advertisements can not be unfair. 

By Chase closing my credit card account against my wishes, my consumer XXXX score has lowered because I have one less " open '' account on my credit report. Also, by Chase closing my account, it lowers the average length of open accounts on my credit report, further lowering my credit score. This is resulting in an undue financial hardship By my credit score getting lowered because Chase closed my account, I now can not get approved for new accounts and/or will be charged higher interest fees because a lower credit score indicates higher risk of default. I did not violate any laws or any terms or agreements. 

This is unfair and constitutes deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: ENOVA INTERNATIONAL, INC.
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/XXXX I sent email to cashnetusa stating that I was revoking ACH permission to them because I could not afford to pay my bill at this time. The company sent an email back stating that they received my ACH permission denial email and that no more electronic withdrawals would be from my account. On Friday XX/XX/XXXX they withdrew XXXX from my checking account. I want money credited back to my account, stat.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
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: Was not notified of investigation status or results

Complaint:
I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year.. I need this problem fixed asap i will not wait another 45 days to receive no response because clearly yall disregarding me. I still haven't heard back from XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: BYL Collection Services
State: CA
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 have made multiple attempts to have this company fix the wrong reporting on my credit profile. This is not my account. It is listed as such BYL XXXX XXXX  account number XXXX I have sent multiple letters disputing this information as well as advising them this does not belong to me and to with no success. I have recently sent the 3rd letter on XX/XX/ 2020 with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Upon closing of my XXXX loan with XXXX Bank I submitted the home owners insurance policy on my condo paid for by my XXXX fees and the XXXX was approved. After 2 months of payments the XXXX sent me letters that I need to buy additional XXXX insurance. I called several times and got them the copy of my current home owners insurance via XXXX ( exact same that was submitted upon loan approval ), via email. Instead of working with me on it they charged XXXX $ to my escrow account with out my permission. 

I feel like they have violated my finances and charged XXXX with out my consent. I am paying the loan amount and all the interest in full and want them to please pay my XXXX $ back as it was a completely unauthorized transaction and illegal. 

I hope you can help me get due process on this. I have not had luck despite several phone calls to Flagstar mortgage bank and even asked for supervisor. 

I appreciate any help you can provide in fighting for what is right.

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: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hi CFPB I am filing a complaint that's related to complaint number XXXX they have change there name on my XXXX from hunters warfield to XXXX   XXXX XXXX. These guys are playing games with my XXXX and credit which isnt fair. I offered for an exchange but they will not send me original proof with my signatures showing its mine. They are playing games by harassing, threatening, using bad language very rude as I was being very respectful and polite. Their also changing the balance and their names on my report on XXXX and XXXX  its showing closed negatively and the name they have is hunters XXXX and on my XXXX its show open and a different name XXXX   XXXX XXXX. I'm just now seeing this on my XXXX under section XXXX under fcra they have violated the statue of limitations this must be removed of all my XXXX credit reports or else it's a {$1000.00} fine for each. This is a complaint I have filed related to complaint number XXXX they keep harassing me wrongfully I almost lost my job when they said I was going to be arrested at my job. This isn't right. 

Thank you cfpb for your hardwork I really appreciate your help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: AMCOL Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On two different occasions my husband visited the doctors office around the same time we were in transition of moving out of state. The doctors was informed of our new furture address to send the final bills to but continued to use our old address resulting in the two bills getting lost with USPS and therefore we never received the bills. It wasn't until our mortgage lender pulled our credit that we learned of these two descrepencies on our credit reports. We immediately paid the two payoffs and they said that they would remove these negative remarks/collections from our credit. To date they are still on our credit. Please remove from our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX & XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
I co-signed on a car with my husband in XXXX 2011. The car has been since repossessed. It was a XXXX XXXX. Ally Financial is reporting the balance of {$16000.00} as past due every month as well as derogatory. I am not past due on an account that is in collections and closed. Once the car was repossessed, there is no longer an agreement in place. I have worked with ALLY to quit reporting this account as past due as I do not have a current agreement with them but they will not. This is unsatisfactory business practices.

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 2018-05-16
Company: AFNI INC.
State: LA
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 recognize the company AFNI , Inc. date reported XX/XX/XXXX for the amount of XXXX. 
XXXX XXXX is saying owe the same amount as XXXX.. I don ; t agree with these action and believe it needs futher investigation. 
dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of the amount show XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX we ( my girlfriend and I ) leased a vehicle from XXXX  XXXX  XXXX Dealership. XXXX of XXXX XXXX  XXXX  XXXX reached out to us to see if we would like to move forward with an offer where they pay off our current lease and get us into a new vehicle. We accepted and went from leasing our vehicle to purchasing the current vehicle we have with them. XXXX  paid off the existing lease. We were never late on our payments, yet on our credit report, it states that we have an early termination and showing us delinquent. This is affecting our ability to purchase a home. 

We have reached out to XXXX XXXX  and got documentation that states we have never missed a payment and were offered a special program the dealership had. I also have a document from the Finance Manager of the dealership stating the details of the offer and we were never delinquent on any payments.

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 2020-09-16
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting a late for the month of XX/XX/2020. This payment was deferred due to Covid-19. The bank says that the bureau would remove the late after my dispute. The credit bureaus still have not removed the late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: National Recoveries, Inc.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, I received a letter from National Recoveries stating that my loan was in default & had been turned over to them. I contacted them to set up a payment arrangement for my loan. I was told that I would be emailed a link to invite me to XXXX where I would be able to upload required documents for the program. I did so on XX/XX/XXXX. I set up an arrangement for {$100.00} monthly would be taken from my checking account. I was also told that my loan would be taken out of default & any tax offset would be removed from my account. Since then I had been making payments. XX/XX/XXXX I filed my taxes with XXXX XXXX XXXX XXXX & was updated that I should receive my refund in my account on XX/XX/XXXX. That didn't happen. I checked IRS.gov website & my status showed that my refund was taken & put towards my student loan as a tax offset. On XX/XX/XXXX I contacted National Recoveries to see exactly what was going on, & I was informed by XXXX that they did not tell the U.S. Department of Education that I had entered into the loan rehabilitation program & was making voluntary payments & to take my loan out of default status & off tax offset. I asked if I could request a hearing & they said they didn't handle that. They also said they mailed me a letter informing me that they didn't have all the required information to enroll me into the loan rehabilitation program. I responded by telling them but yet and still y'all was taking my money since XX/XX/XXXX. The letter they mailed was dated XX/XX/XXXX to my old address. I had no idea my loan was still on tax offset until I went to IRS.gov. The letter I received from the U.S. Department of Treasury was dated XX/XX/XXXX, after I should've received my refund.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have written letters via certified mail to notify XXXX that they are reporting inaccurate information and information that does not belong to me. I have also sent a notarized bill, state identification card, and letter for XXXX to update my address and personal information. My XXXX file should only show XXXX address. Information that is inaccurate or fraud should be deleted immediately from companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14
Company: EQUIFAX, INC.
State: AL
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:
DATE XXXX-18 OVER 30 DAYS XXXX, Equifax, XXXX  HAVE NOT COMPLIED WITH REGULATIONS. 

EQUIFAX CERTIFIED MAIL # :XXXX Equifax. XXXX   XXXX XXXX. XXXX, GA XXXX. 


Dear Sir or Madam : I am a victim of identity theft. The information listed below appears on my credit report but I did not make or approve of these accounts, phone numbers, addresses, names, inquiries request for credit resulting in a credit inquiry. This happened because of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-26
Company: SYNCHRONY FINANCIAL
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:
On XXXX. XXXX, 2019, XXXX XXXX   XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, SYNCB/WALMART PLCC add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, SYNCB/PAYPAL add a hard inquiry on my credit report per 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 2020-09-14
Company: FIRST GUARANTY MORTGAGE CORP
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2020 a loan officer from my current mortgage called me regarding an opportunity to refinance my mortgage. I told him I was not interested. The next day, he pulled a hard inquiry of my credit report without my authorization. He had my information as he was affiliated with my current mortgage lender. Ive attempted to contact him several times with no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-06
Company: ENCORE CAPITAL GROUP INC.
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:
Almost every day, a collections agency keeps reporting the same wrong collections to XXXX  and several other agencies they are allowing this company to report the same wrong issue and therefore my FICO credit score takes hits. I am trying to open disputes but theyre closed and they side with the aggressive power MIDLAND CREDIT collections which is known for their bad behavior ( your agency has sue them numerous times ) this company will not return my attorneys or my letters or calls to rectify and they are illegally violating my rights pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681. This company wont produce the documents to verify these collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
It appears that the original claim was submitted to XXXX on XX/XX/XXXX instead of the VA which is my primary insurance. I expect the balance due is the remainder after the XXXX payment. XXXX sold the account to Aargon Collections and they placed a collection on my XXXX and XXXX   credit reports on XX/XX/XXXX without my knowledge. XXXX XXXX notified me of the two collection items for XXXX and Aargon as two collection items for the same amount ( {$1300.00} ) and same account number. These were the only two derogatory items on my report. When I contacted both XXXX and Aargon and asked that they remove the collection item from my credit reports and submit the balance to the VA for processing, I was told they could not because it was my responsibility. I disputed the collection reports and provided my XXXX statement which indicated a XXXX balance. The response from XXXX  and XXXX  was that the account had been " verified '' by the creditor and would not be removed. I asked how it was verified and and was told that the creditor had " verified '' it was reported as a collection item and the amount was correct. According to VA Court Order Wolfe v. Wilkie, 32 Vet. it is their responsibility to pay balances from other insurance ( in my case XXXX ) according to the recent court ruling referenced in the attached letter.

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 2021-06-07
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2020 a car loan was realesed in my name and my information was also wrongfully used. I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 


VIN : XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 ; XXXX and Transunion are reporting incorrectly ( 30 ) plus days late on the DPT ED/XXXX ; XXXX and XXXX XXXX partial account numbers : ****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. ( Please see pages 5 18 and 23 - 30 of the attached credit report. ) These payments were made on time every month. I and not understanding why there are multiple reporting errors on these accounts. I have contacted the Dept of Ed ; XXXX and XXXX to delete the lates reporting on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed. I have also contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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