BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-31
Company: JPMORGAN CHASE & CO.
State: NY
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 am writing to ask for your help in investigating why Chase Bank recently closed my credit cards and then subsequently ceased all business with me. I have been a Chase Customer since XX/XX/XXXX. I have paid my credit card bills on time and have never left a balance on any of my Chase Credit Cards since opening up my first credit card with Chase inXX/XX/XXXX. I have all of the bank statements to prove it as well. 

On Friday XX/XX/XXXX my Chase Personal Credit Cards were all working in the morning and in the evening they no longer worked. I called up Chase and all they would tell me was that they had ended their credit card Relationship with me, as per their terms and conditions, which simply state they can close your account for whatever reason they want if they so choose. I asked for a real explanation as I have been a loyal customer since XX/XX/XXXX and have never even missed a payment. Unfortunately, Chase only provided me with the same line we can close your accounts whenever we want as per the cardholder agreement. There was no warning, no explanation, and no one willing to give me a real answer. I followed up with an email to the customer service team onXX/XX/XXXX and received a similar message. 

I subsequently spoke with a Chase Executive Member ( whose name I can provide ) who called the Chase Closure Team who also was unable to give me with any more information, as she stated that the Closure Team would not give her an answer either on XX/XX/XXXX. I find this to be extremely puzzling. How is it that the Chase Executive Office can not even get a straight answer from another department within Chase. 

I then got a letter from Chase on XX/XX/XXXX stating that my credit cards were being shut down. Again, when I called, I received the same response. Chase reserves the right to close your account for whatever reason they want as per the cardholder agreement. 

On XX/XX/XXXX I called the number on the back of the Chase Sapphire Reserve Card that I had. The woman responded by telling me that the account was closed, she couldn't see why and that there was no way to get it reinstated. I asked her to transfer me to a supervisor. The supervisor told me to write a letter with my complaint and to send it to their corporate office but that I was never going to receive an honest response. 

I feel that I deserve a real explanation. Is Chase really saying that unless they can make money on me, my business is not welcome? Am I really being punished for being on top of my finances? I would appreciate a real explanation and any help in this matter. Ideally, I would like my accounts reopened as I have done nothing wrong. This has also ruined my credit which is truly unfair. Again, another reason why I feel that my accounts should be reinstated. 

Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Back in 2014 I was looking to buy a new car and I was preapproved for two loans one through XXXX XXXX XXXX XXXX and one through USAA. I was referred to XXXX XXXX XXXX in XXXX DE but they Told me that they did not carry the type of car that I was looking for but they could take me to the Auto Dealer Auction with them and I should be able to find the vehicle that I was looking for. I agreed But they said I would need to give them proof that I had the funds before they would bid on a vehicle For me. To support that I had the funds I gave XXXX XXXX XXXX both of my pre-approvals. We went To the auction a few times and then we finally found a car. To make a long story short I decided to forgo the loan and I bank wired the funds for the vehicle. After I paid for the car XXXX XXXX   still processed both auto loans without my consent. I notified the XXXX DE police and they were tried and convicted of fraud, theft, identity theft and forgery ( Case number XXXX ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: EQUIFAX, 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:
This would be 3rd time I've tried to get XXXX to correct information on XXXX XXXX XXXX regarding a car loan that was paid off. Documentation was submitted. Seems every time I try to get this fix suddenly my score drops 30-50 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Conn's, 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: Information belongs to someone else

Complaint:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX  XXXX XX/XX/XXXX {$4000.00} XXXX/XXXX  XX/XX/XXXX {$1700.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$0.00} CONN APPLIANCES INC XX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} Conn Appliances XX/XX/XXXX {$230.00} XXXX  XXXX XXXX XX/XX/XXXX {$1400.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been getting a call daily, always around XXXX XXXX., from a company called XXXX according to caller ID. I XXXX it and it is a collection agency called XXXX XXXX. It is usually from ( XXXX ) XXXX, although they have used a couple difference numbers. The first time it rang I answered and a woman said something about a person whose name I did not recognize, although it sounded somewhat similar ( but not the same ) as one of my children. The woman wanted to speak to that person. I told her that I did n't know the person they were trying to contact and hung up. I do not answer the phone for them anymore even though they call daily. They do not leave a voice mail message.

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 2019-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Email Subject : XXXX XXXX, important information about your account Capital One SUBJECT : Account paid in full Creditor : Capital One Re : Account ending in XXXX Customer Name : XXXX XXXX Customer Number : XXXX XXXX XXXX, Thank you for the payment of {$980.00}, that we received on XX/XX/2019. This payment completes the payment on the Capital One account. We will stop collection efforts on the remaining balance. If any additional payments are made on this account beyond the settlement amount, or if we issue an account credit for any reason, then these amounts will be used to reduce the remaining balance. 
We may be required to report to tax authorities the amount of principal that is forgiven, canceled, or settled. We are not required to report every time a principal is forgiven, canceled, or settled, and may not be in this case. 
Please consult a tax advisor and/or the instructions accompanying any tax forms for more information. 
If we are reporting on the account, we'll notify the following credit reporting agencies that the account has been paid in full for less than the full balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit reporting agencies may take up to 60 days to update the information on the credit report. Please contact the agencies directly if there are questions regarding the credit report. 
If you have a question about the account, please call us at XXXX ext. XXXX. 

Thank you, XXXX XXXX XXXX Hours of operation Mon-Fri XXXX EST XXXX   XXXX This is not an attempt to collect debt, but a response to your inquiry. 
SEE IMPORTANT DISCLOSURES BELOW Important Information from Capital One If you are concerned about clicking links in this e-mail, please callXXXX. 
Help Prevent Fraud htlp : l/www.capitalone.comXXXX XXXX XXXX XXXX //www.capitalone.comXXXX : ] Q This e-mail was sent to XXXX XXXX and contains Information directly related to your account With US. other services to which you have subscribed, and/or any application you may have submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There was a XXXX XXXX account opened not by me XXXX XXXX. I nevered received any mail or card from this company until I pulled my report and seen the account on there. I called several times sented several letters also complaining to CFPB FOR THE 2ND TIME. This account is only showing on 1 credit bureau which the other 2 found that the account was not mines or coming back variefied. I asked for verification and they sending me billing statements nothing with my signature on it or a photo copy of my id.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Kinum, Inc., Indianapolis, IN Branch
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this debt. I am seeking legal council for this collection attempt.i paid at the time of the service in full. I feel like they are just asking for more money now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: EQUIFAX, INC.
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:
I was notified back XX/XX/2017 that XXXX XXXX was fraudulently opened in my name and reporting to my credit reports. I am a victim of Identity Theft and immediately put a fraud dispute in with a copy of my identity theft police report with all 3 credit bureaus '. Equifax is the only bureau that has yet to remove XXXX XXXX from my credit report due to fraud. According to Equifax, XXXX XXXX is verifying an account with my name, address, DOB and last 4 of SS. That is all information that could be used when one is a victim of Identity Theft. XXXX XXXX has been notified that this account is due to fraud and was never authorized by me to be opened. XXXX  XXXX has failed to provide a contract with my SIGNED signature showing proof that I am the one that authorized this account to be opened. I have an open BBB complaint against Equifax and against XXXX XXXX. I have also filed a CFPB complaint against Equifax. I have sent another copy of my Identity Theft police report certified mail to XXXX XXXX along with a 609 letter. XXXX XXXX is inaccurately reporting a fraudulent account to my credit file & because of this inaccurate information, I have been denied credit for a home as well as other credit that I'm trying to obtain. This account needs to be removed from my Equifax report immediately due to me not authorizing the account to ever be opened and it was done as a result of me being a victim of Identity Theft. XXXX XXXX is providing verification to Equifax that an account does exist using my name, address and DOB. However anyone can easily access that information on the internet and or phonebook. By law to validate this debt is actually mine, XXXX XXXX needs to provide an original contract with a signed signature by me. For the last 6 months, XXXX XXXX hasn't been able to provide an original contract with my SIGNED signature, therefore XXXX XXXX   is in violation of FCRA section 609 ( a ) ( 1 ) ( A ). XXXX XXXX needs to immediately remove this fraudulent account from my Equifax credit report or I will pursue all legal matters if necessary to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Need a release form for a cosigner, was informed that a late payment ( due to miscommunication ) nullified my eligibility, but with regular payments for six months I would requalify. Did this with auto withdrawal, tried again only to get sent to a page with the form that could not be downloaded. Got no response when I followed up. Tried a few more times before I gave up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am filing the complaint against XXXX, Experian, and XXXX because they have ignored my request for a reinvestigation since XX/XX/2020. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. 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 explanation
Consumer complaint received 2018-01-31
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:
On XX/XX/XXXX a State Tax Lien for {$14000.00} appeared on XXXX, XXXX, and Transunion credit reports. I took action right away and was able to prove to the Franchise Tax Board that they had filed this in error. I submitted documentation and filed a dispute with all 3 credit bureaus. Within 30 days, XXXX  and XXXX removed this tax lien off my credit profile. Transunion however never notified me of results. I have attempted to call back on XX/XX/XXXX to see why my dispute was not processed properly. Not only was I on hold for more than 30 minutes, but the person helping me was extremely difficult to understand and there is clearly a language barrier. It sounded like they were reading of a script and could not answer any of my concerns. To make matters worse I was told they had no record on my dispute in XX/XX/XXXX. I filed another dispute on XX/XX/XXXX with confirmation number XXXX. I was told by the person helping me that their verification is electronic and they only verify my personal info such as name and social security number. This matter is impacting my ability to purchase a home for my family. I find it difficult to understand how a creditor can file ANYTHING to a person 's credit report, specially something that can not be verified but in order to prove that its not mine I have deal with it for months and go through a process that clearly is not on my side.

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 2018-01-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Good Morning, this letter is regards to and issues with my personal information. I have tried on several accoucation to fix m y personal information with ojt any success. 
The personal address and no other address on my credit report should be as stated blow. 

XXXX XXXX -- -- -- -- -- -Only Please delete any other spelling or other names XXXX XXXX XXXX XXXX  PA , XXXX Date of birth XX/XX/1977 My phone number is XXXX : Please update this information. I have enclosed my Driver Id for proof of address and date of birth. 

Thanks 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 non-monetary relief
Consumer complaint received 2021-02-16
Company: Experian Information Solutions Inc.
State: NC
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 recently looked over my credit reports and found some incorrect information. I sent a dispute to the 3 bureaus regarding these accounts and did not receive a response at all. I waited 50 days and resent my letters again. I even checked online to confirm that I sent them to the correct address. It is now the 40th day and I have yet to receive a response for the 2nd time. I am only try to fix my credit report as it is showing incorrect information without paying {$1000.00} for a company to do it for me and I am getting nowhere.

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 2021-07-14
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: EQUIFAX, 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 information incorrect

Complaint:
The finished my payments with XXXX XXXX XXXX  in XX/XX/2018. They are FALSELY reporting to all major credit bureaus that I finished my payments with them in XX/XX/2018. 

I have called and emailed them over 10x and they keep saying " they are working on it ''. first called them in XX/XX/2018 and it is now XXXX. My credit score and report are negatively effected because of their negligence. They are a XXXX XXXX dollar company yet can't figure out to fix an error on a credit report. 

I need them to fix this ASAP and they refuse or act incompetent. 

It does make any sense why they can't simply fix what they are reporting and provide the accurate, correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i have viewed my consumer credit report and notice some unathurized inquries that has been placed on my account on XXXX by XXXX XXXX XXXX XXXX  Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. I XXXX XXXX never gave XXXX, XXXX AND XXXX._any written consent to report anything on my consumer report, NO consent is identity theft .a copy of the law is attached along with this dispute letter. and to add on the XXXX major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 ) ... I AM ASKING THE CREDIT REPORTING AGENCY TO PRODUCE A CONTRACT BETWEEN ME AND THE CREDIT REPORTING AGENCY LISTED IN THIS AFIDAVIT SHOWING THAT I GAVE YOU PERMISSION TO FURNISH THIS REPORT IN THE FIRST PLACE ... BY CHANCE THAT YOU DO HAVE THIS CONTRACT I WANT A SENIOR EXECUTIVE STATING THAT I GRANTED MY PERMISSION TO FURNISH THIS IN THE FIRST PLACE ... PLEASE DELTE THESE INQUIRES

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Mr. Cooper Group Inc.
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A mortgage escrow statement dated XX/XX/2018 ( see attached file ) posted to my online mortgage account on that date. The statement indicated a escrow surplus check in the amount of {$600.00} would be mailed to my address. It never arrived. On XX/XX/2018 I phoned Nationstar Mortgage dba Mr Cooper mortgage to inform them that I had not received the check. The representative said a new check would be issued and mailed. That check never arrived either. On XX/XX/2018 I called once again. The representative said the reissued check was mailed on XX/XX/2018, but would reissue another check. Then the representative transferred the call to a supervisor. XXXX the supervisor ( employee number XXXX ) suggested both previous checks may have been sent to the mortgage property address rather than the mailing address the mortgage company has had on file for years.

Company response to consumer: Closed with explanation