BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-05
Company: Equitable Acceptance Corp
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
-bank account debited monthly for {$39.00} startingXX/XX/XXXX until XX/XX/XXXXcompany tacked on interest without letting me know starting XX/XX/XXXX -promised that payments were going towards student loans when I was still within my time of loan deferment -attempted to call " customer service '' representatives ; phone number no longer worked -Could never get in contact with " XXXX XXXX '' after my XXXXile had been " processed '' -FedLoan never mentioned my " consolidation '' in correspondence I have with them - {$1000.00} fee was supposed to be a " maintenance fee '' to keep my records with the student loans up to date -received text messages about amount being due and when the " payment '' had been recieved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase has reported that I over extended my credit limit, Chase added a late payment and interest charge which was not suppose to be added to my account which over extended my account. Chase has since removed the associated fees due to me being in enrolled in the payment assistance program due to COVID-19. I was told by the representative that I was enrolled and Chase reviewed the phone conversation and seen there was an error. Since then I have been contacting Chase to remove the error regarding me over extending my credit limit and this effected my credit in a negative way and was denied credit based as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a XXXX fit at bud email XXXX in XXXX pa on XX/XX/2018. I have a credit score of XXXX. I financed {$9100.00}. I was told that I qualified for a loan with an interest rate of 5.69 %. The business manager ( XXXX ) completed my loan paperwork using my incorrect address. He said that since he had to complete the loan paperwork again, he would increase the amount financed to {$10000.00} because I would be eligible for a lower interest rate if I financed {$10000.00} or more. He completed the lian paperwork and it didn't have any modifications to the original financing amount. I asked him why he didn't adjust the loan so I would qualify for a lower interest rate? He stated that it was only reduced by .25 %, which he stated didn't make much difference. I believe that with my credit score, I would easily qualify for a much better rate. Now, two weeks later, I contacted Huntington Bank to pay off the two week old loan and was told that i owe {$160.00} interest, so my pay off increased to {$9300.00}!!! How can the bank require me to pay {$160.00} for 12 days of financing? I am a female who is being discriminated!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
Opened dispute with CitiCard. After no response, created dispute with this agency XXXX and credits were temporarily provided. Citi has just informed me that, without any receipt, a company XXXX XXXX has " credited my account '' and they have reapplied a charge for {$500.00}. I do not have an account with XXXX and note that there have been several incidents of fraud notifications, related in some way to XXXX. 

I have escalated to Citi 's executive response team and awaiting a response, but this is absolutely unacceptable.

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 2021-09-06
Company: TRUIST FINANCIAL CORPORATION
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:
Regional Acceptance Corp reported my closed paid off auto loan # XXXX 30 days delinquent which is incorrect. On XX/XX/2021 a mobile payment of {$530.00} was made ( reference number XXXX ) by credit card ( PAYMENT OK ). On the same day a payment of {$17000.00} was made by the dealership who purchased the car from me. Regional Acceptance Corp then sent me a check for {$510.00}. My payments were due the XXXX of the month. My {$530.00} payment was accepted on XX/XX/2021 as well as the payoff in the amount of {$17000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Transunion reporting 90 day late payments on two accounts beyond 7 years. Late payments from XXXX reporting on accounts. Please see credit reports attached.

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 2018-03-27
Company: EQUIFAX, 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:
I disputed with the credit companies and they failed to delete all mis- reporting ; unproven mis spellimgs of my name and address I have provided government documentation that proves my true identity. My state laws and FTC laws states that if the reporting information is not true, complete and perfect it must be deleted, I wish not to take any other names or abbreviation of my government name,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert that a collection account was placed on my credit report. Southwest Credit systems violated 15 USC 1692g and Fair Debt Collection Act section 809 ( a ) ( b ) by not giving me the right to dispute this information. I NEVER received any communication regarding this alleged debt. I was notified of this alleged debt via an alert from my credit report monitoring service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
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:
Sent a letter on XX/XX/2021 via mail to Equifax to have them investigate two ( 2 ) items from my credit report. I also requested an updated copy of my credit report and I have not received it. Company failed to respond to any of my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I disputed with the credit companies and they failed to delete all mis- reporting ; unproven mis spellimgs of my name and address I have provided government documentation that proves my true identity. My state laws and FTC laws states that if the reporting information is not true, complete and perfect it must be deleted, I wish not to take any other names or abbreviation of my government name,

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 2022-01-07
Company: First Credit Services Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by FIRST CREDIT SERVICES XXXX INC, They are being completely unfair and I dont know how to get ahold on them but through this portal. 

This is what happened : When Covid hit in XXXX, I called the gym to cancel my membership but they didnt allow me to cancel on the phone or online, they said to send a written notice, which I did. Months later I found a collection on my credit report. There is no membership fee due, I was not sent any notices of bills being past due either I was harassed on the phone and told the company I was disputing this debt and for them to only correspond with me via mail. But I kept on getting called by their robot caller and they failed to mark my account as disputes. 

This is my account regading this matter : Account name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XXXX. 

Solution : deletion of my account from all credit bureaus ( XXXX, XXXX and XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX XXXX XXXX 2017 I went to chase to open a chase liquid account whitout know that the banker that was helping me applied for a credit card for me without my consent i just received a letter stating that my credit card application was not approved and i was confused because i have never applied for a credit card that s not what i went for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: EQUIFAX, INC.
State: MI
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/XXXX, I mailed certified letters to each credit bureau and confirmation that the bureaus received the dispute letters on XX/XX/XXXX. I was not notified after 30 days there was no correspondence at all from the bureaus. I then sent several more follow up dispute letters on XX/XX/XXXX again there is no update. I am within my rights which has been violated. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not complaint and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes. As you are aware Federal Law requires you to respond within 30 business day, it has now been over that period since the receipt of my dispute letters. Failure to comply with the Federal Regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC, XXXX, & CFPB. Please be advised that this is my THIRD WRITTEN REQUEST after the initial 30 business you've FAILED to respond. The unverified items listed below remain on my credit report in violation of FEDERAL LAW. I am prepared to take legal action. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have maintained detailed records of all my correspondence with you all. I demand the following accounts be verified or deleted from my report due to your negligence. 

XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX- Account:XXXX  XXXX XXXX XXXX- XXXX XXXX XXXX AccounXXXX XXXX-Account:XXXX XXXX XXXXXXXX-AccountXXXX XXXX XXXXXXXX XXXX-Account:XXXX- VOILATION THIS ACCOUNT HAS THE SAME NUMBER A WHOLE OTHER ACCOUNT XXXX XXXXXXXX XXXX XXXXAccount : XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Fraudulent debit/credit card use for several online purchases. 
Dates beginning : XXXX XXXX - XXXX Navy Federal Credit Union customer service reversed charges

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit score- according to Equifax- dropped from XXXX ( on XX/XX/XXXX ) to XXXX ( on XX/XX/XXXX ). There is n't any legitimate cause for this score drop. In fact, I have paid down my student loans by approx {$4000.00} per month for the last 4 months ( as of XX/XX/XXXX, Equifax reports I owe {$100000.00} in loans, while XXXX ( loan servicer reports {$98000.00} ). I alos recently paid off 2- tax liens. I 'm extremely frustrated because my credit score consistenly is increasing with XXXX and XXXX but Equifax has me stuck in a tar pit. Screenshot attached regarding discrepancy between XXXX ( 1st screen ) and Equifax ( 2nd screen ) reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
on XX/XX/XXXX, with no notice, my bank accounts were locked and restricted at Chase Bank. After several hours on the phone and 2 trips to the local branch I was told it was due to my husband receiving unemployment funds. These funds are legitimate and we provided 20+ pages of documentation. Additionally my own payroll deposits from my employer were questioned and I was informed those funds are being held due as well. No matter what documentation we provide we were informed that our accounts are closed and any funds would eventually be returned to us, up to 4 months. This is crazy when the payments are legal and legit payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
To begin, I have been a customer since XXXX, never any issues! However, an email was sent to me on XX/XX/XXXX regarding my blue bird american express debit card account. 

Below you will find the email notification which states : Hi, During our recent review of your Bluebird Prepaid Debit Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement. 

As a result of such activity, and pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended. 

If you have any questions or would like to inquire further, you may write to us at the following address : Bluebird Customer Care XXXX. Box XXXX XXXX, GA XXXX Thanks, The Bluebird Team I attempted to call the company but was unable to reach them by phone. All the money I have to pay bills are in this account in which I can no longer login and manage. My bills are due and they have suspended my account. I just read that I am not the only person who are experiencing this issue with them. I need my funds from this account ASAP. Please help in any way you can to recover my funds! 

Thank you for your time!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: WELLS FARGO & COMPANY
State: WA
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 applied for a Wells Fargo credit card on Wells Fargo website. 

One of the questions on the application was related to citizenship. I am not a XXXX XXXX, I am working in US on a XXXX XXXX. 

After submitting the application, a hard pull was made. A few days later a letter was sent to me saying I was required to send over a copy of my social security card. I have faxed them the details on Friday, XX/XX/XXXX. 

When I called Wells Fargo today ( Monday, XX/XX/XXXX ) to inquire about my status they have mentioned that the application was declined as I was not a XXXX XXXX. 

This information was already known from my application form wherein I had mentioned that I was a XXXX XXXX, but not a XXXX XXXX. 

Why was my credit history pulled when it was already known that I was not a XXXX XXXX? 

Wells Fargo application number : 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 2021-09-06
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:
There is a collection account that shows on my Equifax credit report that is NOT my account. On several occasions, latest one certified on XX/XX/2021. I advised Equifax this was NOT my debt. They refused to delete this debt and state they " validated '' this debt. There is NO way they could have validated this debt because it does not exist. I asked them repeatedly for all the info that was " validated. '' They NEVER provided. I have also contacted the creditor ( XXXX XXXX ) and they NEVER validated this debt as well. In fact, they refuse to make contact with me. They never sent me anything. I have written communications with them on six separate dates which they NEVER replied. This item should be deleted from Equifax credit report. It is not on my other reports. I contacted Equifax yesterday and repeated the dispute online. Within 15 minutes, they concluded the dispute online stating they " verified '' this debt again. IN 15 MINUTES! There is no way they are being truthful. This is ruining my reputation. This untrue information needs to be deleted off my credit report. XXXX XXXX  {$960.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax ; XXXX  and XXXX  should not be reporting the following accounts as a collection on my credit report XXXX XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. The bureaus are also reporting incorrectly the following accounts as a collection XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report for reference. ) I was on a monthly payment plan and the payments were set up recurring automatically from my bank account. When I discovered they never debited my account I immediately contacted the billing department. I found out that the hospital/physician billing office doubled my monthly payment amounts at the beginning of the year without notifying me. I never received any telephone calls, emails, or letters regarding this change in payment arrangements. When I tried to make a payment to the billing department, they refused to take the payment and consequently, sent me straight to collections. In addition, I have been disputing these items on my credit report and the ( 3 ) bureaus continue to show the status of these accounts as not in dispute. This is false! I have been attempting for weeks to get the bureaus to report accurate information on my credit report. Please update my credit report to show that these items are in fact in dispute. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: RFNA, LP
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I previously submitted a request to have this looked into. I requested assistance from CFPB in obtaining loan paperwork with terms and conditions. I indicated that I had previously attempted to resolve it. Republic Finance Still has not provided the loan terms and conditions as promised directly associated with my social security number, loan number.

Company response to consumer: Closed with explanation