BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
Company: JPMORGAN CHASE & CO.
State: MD
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: Problem with personal statement of dispute

Complaint:
I requested to have a 30 day credit remark removed from my credit report due to a banking error as well as several error 's on the company 's behalf from XXXX 2020. I made the payment within the 30 day window but it was processed outside of the 3 day timeframe the company mentioned. The payment was rejected and I was notified by my bank. I attempted to correct the payment within the 30 day period on the XXXX day but the automated system was not accepting payments. Not to mention we are in the mist of a pandemic where there is a stay in place order and making a payment by any means is not easy. I made another attempt on the XXXX day which was not credited until the XXXX day. Causing the account to be 31 days past due and a negative remark on my credit. This remark is not fair to the consumer as it drops your score significantly for at least a 2 year period up to 7 years. This is not the case for business reporting. It impacts the consumer through higher interest rate on anything purchased and unfavorable loan conditions which really financially hurt the consumer over a long period of time. I understand the company has to report accuracies under the FCRA guidelines. However, to not have any other options when there is an issue and to have this great of impact is not equal and a violation of rights. This needs to be addressed overall because this really puts additional financial burden on consumers during a time of uncertainty when it was really a not the consumer 's fault solely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The balance was paid in full last month yet Home Depot STILL charged interest on a XXXX balance. 

I have seen them do this before and have called them out on these unfair and deceptive trade practices. 

I submit this complaint primarily to assist the other Americans who are not as financially savvy as I am nor as conversant with Title 18 violations and other Banking regulations meant to protect hardworking Americans instead of fleecing them as has been the practice in the past. 

Thank you so much for your time and consideration.

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 2020-07-06
Company: Resurgent Capital Services L.P.
State: WI
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 contacted XXXX XXXX LVNV Funding LLC/XXXX and XXXX XXXX for XXXX  XXXX and XXXX XXXX XXXX, have filed disputes with all 3 credit reporting agencies about accounts paid in full and upon payment agreement was they were to update accounts from negative to positive, and LVNV funding last reporting activity was XX/XX/XXXX, and no updates world financial was included in bankruptcy filed in XXXX and discharge in XX/XX/XXXX but XXXX XXXX is still on my credit reports and the reporting agencies, I have sent all documents supporting the information and this is impacting my credit score for buying a home

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: ONLINE Information Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been disputing a medical debt assigned to this debt collector for months. I first noticed an adverse remark reporting on my credit report. Once I looked into it, I contacted the debt collector, which is Online Information Services Inc. 

I immediately told them I had not received any written notifications from the medical provider nor from them with regards to the debt. The first notification I received was from when I went to go apply for a mortgage loan, the loan officer told me about this debt. I protect my credit feverishly and immediately looked into the issue. This account was paid on the spot after contacting this debt collector. 

Upon several credit bureau disputes, I have no choice but to file a claim against this debt collector for continuing to report incorrect information to my credit report. In addition, this collector received a written notice on XX/XX/2020 advising them of my position and knowledge of my rights, and as of the date of this filing they have ignored my correspondence. 

Specifically, I am aware that creditors and collection agencies are prohibited from submitting information relating to the consumer to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). They have been notified on several occasions this reporting is  innacurate I hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law. 

For the record : I was NEVER in receipt of your original dunning notice allowing me 30 days to dispute this debt, or satisfy this debt and avoid any negative marks on my credit record. Therefore, the information you submitted is inaccurate and must be removed. 

Unless you have compelling evidence to prove otherwise, I demand that you immediately withdraw all negative credit reporting and delete this from my credit reports. 

Should this item remain on my credit report and you refuse to remove it, I will have no choice but to file formal complaints with the Consumer Financial Protection Bureau and the California Department of Justice. I hope you cooperate with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
XXXX  granted me a forbearance on my mortgage and credit card, XX/XX/XXXX through XX/XX/XXXX. Unlike the agreement I understood when I applied for this forbearance, They are reporting to the credit agencies. My credit report shows increased balances on both my mortgage and a credit card ( s )  including my other accounts with other lenders. My FICO score has been reduced because of this. Not only has my work stopped because of this government nightmare Covid 19, but my credit score that I have worked so hard to build is hitting the bricks. The credit bureaus should not be allowed to record any increase in balances! This is true for my credit cards at XXXX XXXX, XXXX XXXX ( where I am also in the process of receiving a refinancing of my mortgage ), Capital one Credit card, XXXX 's. Please tell me who else I can write to and if there is a class action suit in process that I can join? Big banks have no right to manipulate with the credit status of individuals who are affected by a global pandemic. Who is in charge of this regulation on a Federal level? Please send me the name of the agency, and email address I can write to to file this complaint in addition to you. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting a collection to my credit report that is in violation of my 30 Day Right to Dispute, I never received any kind of notice for this collection and I settled it as soon as I found out about it. This should not be on my credit report and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Around XX/XX/XXXX I was denied employment due to too many delinquent accounts on my credit report. So I pulled my credit report and found that XXXX XXXX XXXX is Reporting a Transferred closed account as Closed, Current, delinquent and late. I sent a dispute to all 3 Credit bureaus and received a verification of that debt. As of today no one has explained to whom I owe this debt to and why. 

Account on XXXX reports as follows : Open XX/XX/XXXX Account Closed Account Transferred to another office Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on XXXX reports as follows : Open XX/XX/XXXX Account Delinquent No Comments on file Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on Transunion reports as follows : Open XX/XX/XXXX Account Delinquent Account close to the transfer Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/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 2020-05-22
Company: NAVY FEDERAL CREDIT UNION
State: MD
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:
XXXX  granted me a forbearance on my mortgage and credit card, XX/XX/XXXX through XX/XX/XXXX. Unlike the agreement I understood when I applied for this forbearance, They are reporting to the credit agencies. My credit report shows increased balances on both my mortgage and a credit card ( s )  including my other accounts with other lenders. My FICO score has been reduced because of this. Not only has my work stopped because of this government nightmare Covid 19, but my credit score that I have worked so hard to build is hitting the bricks. The credit bureaus should not be allowed to record any increase in balances! This is true for my credit cards at XXXX XXXX, Navy Federal ( where I am also in the process of receiving a refinancing of my mortgage ), XXXX XXXX Credit card, XXXX 's. Please tell me who else I can write to and if there is a class action suit in process that I can join? Big banks have no right to manipulate with the credit status of individuals who are affected by a global pandemic. Who is in charge of this regulation on a Federal level? Please send me the name of the agency, and email address I can write to to file this complaint in addition to you. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: NV
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:
So as a veteran I am learning the importance of good credit. This was never taught to me. so in pursuit to this goal. I realize that i still had student loans on my on my reports. I then proceeded to dispute approx XX/XX/2020. I then called the Department of Education had them to send me letters and give me information to have a smooth dispute process. So after a successful phone submission on XX/XX/2020 I receive the up date. 

Its off my credit report good news right ; however, I then seen my score and instead of going up a 100 points it goes down 60 point  called for an explanation and not only was the employee rude and nasty to me the supervisor was very distasteful. Facts - I am a XXXX % XXXX XXXX   XXXX  veteran, i qualified to have all my loans forgiven and off my credit report ; when i realize it wasn't off my credit i corrected it. I locked my credit file to work on it. No new inquires and or accounts. I had 10 negative accounts and score was XXXX. 6 items was removed off my credit leaving me with 4 remaining negative accounts and drop 60 points leaving me at XXXX. 
This experience has been the worst how do i go down and i should have went up. They did not give me an explanation of why, was very rude, I feel like now they are standing in my way of credit freedom. I feel that they are apprehending me from my true war hero dreams and goals. I am a victim of abuse of office process and much more I need to speak to someone concerning this subject matter. 
Please and 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 2021-01-29
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital Systems , LLC has been holding my credit hostage. They are saying I owe money I do not. They are unable to provide me proof of this debt. The original debtor they say I owe is XXXX XXXX, who I am still a member with and have not ever owed. I still service with XXXX XXXX in which I pay them every month for. I don't know if they obtained a wrong clients info but I have and do not owe Ideal Image or Jeffersons Capital. 

I have asked them to remove this from my credit bureaus several times and although their automated system say they have asked the credit bureaus to remove them from my file since XXXX XXXX XXXX XXXX, the credit bureaus say they are still reporting every month. So, they are literally being deceptive. They have removed the debt for a while and have put it back. I need help getting this settled and to alarm CFPB of their deceptive practices. They are not going to force me to pay for something I do not owe. I am an XXXX  and I work to hard and face to many dangers this pandemic to just give my hard earn sweat and blood money to the thieves. 
I will attach an email from Ideal Image saying I do not owe or ever owed them that amount and that I currently have service with them. Thank you. 

P.S. 
I called XXXX XXXX today, now they say I owe them under another company but the price has not changed. I ask how come the company has switched and they say I do not know what was told to you yesterday XX/XX/XXXX. Now I am sure there is something deceptive going on. I need help getting to the bottom of this. I only wish I could get yesterdays recording as they say everything is recorded. I got a representative from Ideal Image to send me proof I do not owe them, but all of a sudden when I said I have proof I do not owe Ideal Image, they list another company. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Experian Information Solutions Inc.
State: MD
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 sent dispute letters several times and made a complaint with the CFPB about a chapter XXXX on my report. XXXX has removed my bankruptcy from my file Experian stated they verified bankruptcy thru XXXX. Please remove the bankruptcy immediately I have included the letter from 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 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am contacting you again because I requested that a Fraud account be removed for XXXX XXXX from my TransUnion credit report.. I explained that I am a victim of identity theft and that is hard enough but you responded by saying you received my complaint but it didn't appear to have been communicated by me or a properly authorized third party. This is the main reason why I am sending a complaint about this company. It is always some reason why they can't fix my Issue. MY name is XXXX XXXX and I am the one that is sending this complaint nobody else. AGAIN I am asking that you delete this fraud account and these inquries that I did not authorize to view my credit for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX/XXXX  and XXXX XXXX. This is the second time I have had to complain.

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 2023-03-10
Company: JPMORGAN CHASE & CO.
State: OH
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:
JPMCB Card services shows up on credit report as a hard inquiry on XX/XX/XXXX. I did not authorize or apply for a card or a loan from them. I tried calling XXXX on XX/XX/XXXX. I could not get through to alive person to speak to since I don't even have an account with them to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020, I reported fraudulent activity on my Bank of America checking account by a scammer. I was assured I would receive a refund in 45 days. Now it has been nearly 2.5 months and still no refund! I have spent time and money in faxing and mailing documents to B of A no avail! This caused me to run short of money for my family in this Covid-19 pandemic-during Christmas-with a bank that refused to rectify this problem!

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 2021-01-29
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I've been a victim of identity theft. I have contacted the creditors, but nothing has changed I'm asking for verification into account details and to provide accurate information if not to delete these accounts from my name. 

XXXX Name and Address Wrong XXXX XXXX Name and Address Wrong PORTFOLIO RC Name and Address Wrong XXXX Name and Address Wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: Atlantic Recovery Solutions LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This debt collector keeps calling my family my work place threatening me that the will be looking for any contacts keep contacting my employer and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions 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:
Me and my XXXX sister were hanging out one weekend years ago on XXXX XXXX  my XXXX had our dl & ssc in her purse someone grabbed the purse and in result we have became victims of identity theft and fraud

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 2021-04-26
Company: Lela Mae Portfolio Management Group
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX, sold the debt to another company without notifying them that they had filed a claim with the trustee of my bankruptcy. I have filed a previous complaint with CFPB regarding XXXX in a similar matter. I continue to get collection companies contacting me regarding this debt which was included in my bankruptcy. I keep giving the information regarding this debt, but I continue to get emails with threats and calls to family members, work and on my cell regarding this debt. The current collection company Lela Mae Portfolio Management Group XXXX XXXX XXXX XXXX, Ny. XXXX, has continued with the harassment after being told of the bankruptcy and that they should contact my attorney. They were given my attorneys information, but continue to pursue a claim for a debt that has been met with the original credit grantor.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: IL
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 contacted the consumer reporting agency several times to inform them that there is information from a company called XXXX XXXX on my consumer report that should NOT be visible on my report. I have NOT given them written consent to report this company and they are aware of this. This is aggravated identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
capital one has ignored my requesting of validation of debt i have Cleary stated please provide a wet ink signature with a contract me agreeing to this debt, capital one has only be able to provide mail address, ssn, name for verification under federal law that is not verification of a alleged debt, please see attached documents for further information

Company response to consumer: Closed with explanation