BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have wrong letters and contacted both Equifax credit and XXXX about the hard inquirys recently put on my credit they have refused to remove th hard inquiries and it was not me none of the hard inquiries was me for auto loans. They told me I need to place a police report the police said that no crime has been committed so Im at a rock and a hard spot. But here has been XXXX hard credit pulls for auto loans most of them where done from XXXX XXXX 2017 to XXXX XXXX 2017 My name is is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: DISCOVER BANK
State: AR
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:
ON XX/XX/XXXX I CONTACTED DISCOVER TO REPORT FRAUD ON MY ACCOUNT. I FOUND CHARGES ON XX/XX/XXXX MADE BY AUDIT RECOVERY SYSTEMS FOR {$1300.00}, AND THE OTHER FOR {$2200.00}, I SPOKE WITH A WOMEN NAMED XXXX XXXX SHE EXPLAINED THAT THEY WOULD NEED A COPY OF THE STATEMENT AND A LETTER EXPLAINING THAT I DID NOT DO BUISNESS WITH THIS COMPANY. ONCE I GOT OF THE PHONE I GOT ALL OF MY STATEMENTS TOGETHER, AND REALIZED THAT THERE WERE NUMEROUS CHARGES THAT I WAS SUPPOSED TO GET BACK THAT I WASNT SURE IF I DID SO I HIGHLIGHTED THOSE CHARGES, AND INCLUDED THEM IN MY LETTER. WHICH I THEN MAILED OUT ON XX/XX/XXXX, WHICH WAS SENT TO THE XXXX XXXX  AT XXXX XXXX  XXXX XXXX AZ XXXX. WHEN I SPOKE WITH XXXX SHE EXPLAINED THAT IT CAN TAKE UP TO 90 DAYS FOR THE COMPANY TO GET BACK TO ME, BUT IT HAS BEEN OVER 110 DAYS. I HAVE NOT HEARD ANYTHING FROM THE COMPANY, AND HAVE NOT GOTTEN THE MONEY CREDITED TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2020-04-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX was my contact working as an XXXX and XXXX for a company called XXXX XXXX XXXX. I and my business partner XXXX XXXX completed certain tasks for them. They XXXX us the money once the work was completed. She only allowed me to contact her via XXXX XXXX. When I logged back into the app to recover our conversations, she deleted her account. I was only able to obtain the few emails we had from my XXXX account ( I have proof of her requesting me to only communicate with her via XXXX  ). Why would she delete her account? Why is none of the contact information working all of sudden? She also told me her office staff members have business accounts and will XXXX us the money for the services provided. On XX/XX/XXXX at XXXX I received a notification that my business account was negative ( XXXX XXXX & Chase Bank ) which was the same  amount of money they paid me. In addition, they did the same thing to XXXX XXXX Chase account ( her account number XXXX ). I tried to call them but the number is not working and the email is not working. In addition, the website is not working as well. I have had my account for years with Chase and never had it in bad status. I recently opened my XXXX XXXX Account ( XXXX ). I honestly feel that Ive been scammed out of work and our time. I have proof that I have a legal contract with them. I need these charges to be reversed back into my account. XXXX always ask you a question before sending funds to ensure you are sending it to the right person. They confirmed we were the right people to send funds to. Please handle this matter. XXXX XXXX is holding {$940.00} in my business account ( account number : XXXX ) payment from XXXX XXXX XXXX ). Chase Bank account is negative of {$2200.00} ( account number XXXX ). XXXX XXXX personal account, they are holding {$140.00} of my money. XXXX XXXX paid me {$1100.00} and {$1200.00} for my services in XXXX XXXX account. Ina few days, my personal account with XXXX XXXX will be negative. I was scammed out of services. Neither bank is willing to help me get funds back. My accounts are on hold now. My personal payroll check is linked to my XXXX XXXX Personal Account. A police report has being filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My Name is XXXX XXXX, I would like to file an Official Complaint against Debt Collection Agency : National Credit Adjusters XXXX XXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX For the last 2 years XXXX and XXXX respectively, I have been getting repeated calls about a debt collection from the above company. Legally they are only supposed to call me once a day. They have called my personal cellphone several times a day and sometimes evenings, when I stopped picking up their calls they would then proceed and call my work number several times a day as well. They used different area codes to mask their numbers tricking me to pick up, under duress, I stopped picking up numbers I wasnt familiar with. Costing me dearly in the process as I would miss important phone calls mistaking them for debt collectors in fear of harassment by them. On one Occasion I picked up the phone due to excessive annoyance and they threatened me with legal action if I dont comply with a payment plan over the phone. I once again declined the debt as mine and hanged up the phone. 
This year XXXX I sent out 2 challenging letters to them to verify the debt bearing my signature or contractual obligation to pay them since they are not the original creditor. 

" The Fair Debt Collection Practices Act states that the debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Because there is no agreement between the collector and the alleged debtor, no collection can be sustained. 
In response to the attached letters they provided itemized printout statements of the original creditor which still has no evidence of a signature or legal binding agreement between me and the debt collector to pay them hence they are now validating an inaccuracy. 
Their false reporting to the Credit Bureaus has been very damaging to my loan and credit card application processes. I ask that they remove it completely from all 3 bureaus Please review all attached documents as prior evidence and understand this matter is Severe and help from your office to investigate this is much needed, looking forward to hearing from you Yours Sincerely, XXXX XXXX Debt Collections Agency Victim

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 picked up the car after 2 months since it was a lemon law and they put my account on Charge Off with Repossion while it's WRONG and INACCURATE! 
Selling Bad car and XXXX  my CREDIT!

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 2020-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
paid my capital one credit card bill in full but they keep declining my business partner XXXX XXXX card for every transaction. I took time out my day to call and waste hours on the phone. They said it was because new cards were ordered at first. Its been days later and they are still doing what they did at first. Anytime he pays for something online they cancel the transaction after its paid and he gets alerts from companies saying his credit card company flagged him for fraud. The first time this happened was at XXXX for a company phone case so he didnt break his XXXX, which he ended up breaking the XXXXXXXX XXXX because of capital one. Now his phone messed up which cost another XXXX  to replace. Then after that he tried buying a chest ( deep ) freezer. Due to news reports of Coronavirus food shortages. We have XXXX kids together and we were trying to ensure our family didnt run out of food. That was the second time the blocked his card and when I called. We ended up missing out on the deep freezer and pre ordered one that wont come in XXXX. I pray the country dont run out of food due to cap one taking most of our money during a shutdown then refusing to let us spend the balance we paid ( we can afford food, but dont have the space to store extra just in case due to their actions ). After this my daughters dad / business partner ordered a item for {$170.00}. Once again capital one voids the transaction and canceled it. Im tired of them doing this so Im about to file complaints with every agency against their bank. If they continue I will sue them in court. Im not asking ur agency to be my lawyer, I need a mediator so their XXXX representatives dont keep having me on hold hours asking the same stupid questions wasting my time and life I cant get back. This bank capital one are thieves. They still time out your life you cant get back and I want it corrected at the executive level with my account of Ill have a federal judge force them to stop. This is regarding the spark card from cap one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Not my accounts or inquires reporting.

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 2021-10-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was checking my credit report and i saw accounts which i don't recognize. I have never applied for these accounts. I believe that someone used my personal information and opened accounts on my name. I lost my wallet with all documents, so i believe that someone found it and used it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
5th 3rd bank has committed fraud by back dating flood insurance a full year and attempting to charge me the full year even though the policy was only in affect from XXXX. I was notified that the flood insurance i had in place was not up to there code on XX/XX/XXXX and had 45 days to get the correct one. Time passed me by and I didn't give the correct Ins until XX/XX/XXXX so they force placed flood ins on XX/XX/XXXX for {$3100.00} which is nearly 10 times what I pay for flood ins for the year ( {$340.00} ). I have been told on multiple occasions that the full refund will come to me and that it is just processing and it will take 7-10 bus. days. It has been a month and only {$220.00} has comeback to me ( That is for the days I didn't use the forced placed flood ins for the year the document from the ins company says ) It said I used 339 days of the Ins even though it was in affect for only 7 days of XXXX. I have brought it up the chain to the resolution supervisor and was told by her that I would be getting the full refund back and have provided two separate documentation that they have requested. I was called back by her and said no we are not returning you the full amount and they did nothing wrong. They won't answer why they didn't notify me in XX/XX/XXXX that the flood insurance I had was not up to there code instead waited almost 11 months into the year thus being able to charge as much as they could if I missed the deadline. Plus charging 10 times what I have for flood insurance is just a complete and utter predatory and pure money grab business process. That charge was {$1100.00} more then what I pay for for property Insurance!!! By doing what they did it increased my monthly mortgage payment by $ XXXX dollars making it very difficult for me to pay my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
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:
To whom this may concern : I am writing this complaint, because I have been trying to get a 30 day late payment off of my credit report. XXXX 's has been reporting a late payment on my account since XX/XX/XXXX. I have disputed this issue with the credit bureaus, Trans union and XXXX, it does not show up on XXXX. I have called and have spoke with several different representatives and have been told that this account can't be undated, corrected, or changed with them and was directed to the credit bureaus. And was told the same from XXXX and Trans union both say verified in the response. I spoke with someone on XX/XX/XXXX and asked to have the notes from that conversation to be sent so I could include those in this complaint. As of XX/XX/XXXX. That is the day I started this claim, I checked my XXXX account, and it is stated that my account with XXXX 's has been closed. It won't even show on my credit karma account. I called, and spoke with XXXX, asked about notes from the XX/XX/XXXX call, she said no call was on file for that date. Ask no call? Was told the last time it shows I called was in XXXX of XXXX, she also stated that my account was closed on XXXX of XXXX, and the last payment that they received was XX/XX/XXXX I asked several times are these dates accurate, and was told yes. I asked to speak with a supervisor ( XXXX ) which she told me I needed to call back and speak with someone in the credit dept since they were closed. I ask was the account open and active, she said yes. So I asked to place an order and was advised that their maybe a hard inquiry if I did, even though she said that my account was open and active. I find it very stressful, exhausting, and a bit frustrating at times to speak to so many different representatives and get different answers and reasons why my account is reporting late and nothing can be done. And now to look and my account is closed, so much more damage to my credit report, than that 30 day late now. Payment history, age of account, tradeline. It feels like retaliation to my calls and disputes. This claim is to get this issue corrected, and also to help anyone to avoid going through this situation. Thank you in advance.

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 2017-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Today on XXXX/XXXX/XXXX I called Transunion, since there was a 35 point drop in my credit score. My Transunion report was missing tons of information. When I asked why my credit scorXXXX at Transunion had dropped 35 points, he said he had no idea as well. I think proceed to ask the representative what my credit score was. He said because XXXX XXXX was a third party site ... my credit score was a different with Transunion. I then procced to ask him if he could tell me what it was, he said that he could not give me the number over the phone, then put my on hold. Then came back from hold and told me if I wanted to pay {$9.00} he could give my credit score and that he would n't give me the number because my credit score apparently only belongs to Transunion and unless I pay the {$9.00}, I would not be able to get my score.

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 2019-06-23
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
yes this creditor closed this account due to one or two return checks. Which isn't right. then set up payment option but fell behind. I had deaths in family and want to reset up payment option. Try to contact with no avail. Yet they been friendly and helpful at times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: AES/PHEAA
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: Public record information inaccurate

Complaint:
There are two concerns here. 

The first is due to all the selling and changing of accounts XXXX XXXX XXXX Changing of websites and things ending up in FedLoan back in XXXX. The way i had my loan all set up for leaving town for an extended amount of time. 


I was unaware of the change at the time and i was in an extended forbearance. You can see my credit report supports this. I was without phone service most of the time and i surprisingly found out i was over two months late on a loan i was under the impression was in a forbearance. As you can see in the photos due to me registering to get electronic statements and applying for another forbearance ( which fedloan was very helpful with ) they said they could backdate my forbearance from XXXX to XX/XX/XXXX and would remove the late pays on my credit report. almost 6 years later i come to find out the 60 day late is still there and i was misled and i feel they should be deleted even if as a goodwill gesture. 
As you can see ive done what i can to keep this loan in good standing and I would hope that what i was told can be honored and the 60 day late pay can be removed from all 3 CRA. 


The other ISSUE is a bit tricky and complicated but at the heart of it beginning XXXX i started getting into the IBR program i had issues getting all the paperwork accepted and each time it would take and extra 30 to 60 days, Part of IBR is to get 3 years no interest tacked on. 
Ive had issues re certifying because of the time it takes and see it isnt as simple as XXXX consecutive years with no interest. However since XXXX i have had 36 qualifying payments and i think they should be honored. The average monthly interest is {$50.00}. 
even if you calculate that from month one of FedLoan taking over this loan XX/XX/XXXX that is roughly {$3600.00}. The balance started at {$14000.00} and is now today {$17000.00} a difference of {$3700.00} so ive been charged OVER the full amount of interest. with 3 years 36 months of qualifying ibr payments i feel the promised 3 years no interest should be honored which would be equal to {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Experian Information Solutions 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:
To whom this may concern : I am writing this complaint, because I have been trying to get a 30 day late payment off of my credit report. XXXX 's has been reporting a late payment on my account since XX/XX/XXXX. I have disputed this issue with the credit bureaus, XXXX XXXX and Experian, it does not show up on XXXX. I have called and have spoke with several different representatives and have been told that this account can't be undated, corrected, or changed with them and was directed to the credit bureaus. And was told the same from Experian and XXXX XXXX both say verified in the response. I spoke with someone on XX/XX/XXXX and asked to have the notes from that conversation to be sent so I could include those in this complaint. As of XX/XX/XXXX. That is the day I started this claim, I checked my Experian account, and it is stated that my account with XXXX 's has been closed. It won't even show on my XXXX XXXXa account. I called, and spoke with XXXX, asked about notes from the XX/XX/XXXX call, she said no call was on file for that date. Ask no call? Was told the last time it shows I called was in XXXX of XXXX, she also stated that my account was closed on XXXX of XXXX, and the last payment that they received was XX/XX/XXXX I asked several times are these dates accurate, and was told yes. I asked to speak with a supervisor ( XXXX ) which she told me I needed to call back and speak with someone in the credit dept since they were closed. I ask was the account open and active, she said yes. So I asked to place an order and was advised that their maybe a hard inquiry if I did, even though she said that my account was open and active. I find it very stressful, exhausting, and a bit frustrating at times to speak to so many different representatives and get different answers and reasons why my account is reporting late and nothing can be done. And now to look and my account is closed, so much more damage to my credit report, than that 30 day late now. Payment history, age of account, tradeline. It feels like retaliation to my calls and disputes. This claim is to get this issue corrected, and also to help anyone to avoid going through this situation. Thank you in advance.

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