BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-06
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have tried on multiple occations to fix my inaccurate personal information that's reporting to this company. I receive item was verified when it can't be correct because I send my drivers license and proof of address. Nothing every gets correct and still inaccurate information stays on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a medical procedure back in XX/XX/2016 and was billed {$120.00} by the XXXX XXXX XXXX XXXX XXXX. My insurance paid the amount and I got a receipt from the XXXX XXXX XXXX XXXX XXXX ( attached below ). I also attached proofs of my insurance covering the amount. I disputed this issue to Equifax, XXXX, and XXXX and while XXXX and XXXX immediately erased the collection from my credit report, Equifax continues to hold that the collection is mine responsibility even though I have the necessary proofs that the collection is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On the XX/XX/XXXX, I paid nearly the full balance for my XXXX XXXX card. The payment cleared my bank account ( XXXX XXXX XXXX XXXX ) on the same day. Saturday ( XX/XX/XXXX ) the card was declined. When I checked the Chase mobile app, it showed the payment reflected in the balance ( now {$5.00} ), but the available credit amount was listed as {$0.00}. 

I called the bank the next day ( XX/XX/XXXX ) and spent nearly 2 hours on the phone with them, getting repeatedly disconnected and booted back to the main menu. When I finally reached someone who could provide information, I was told that, because the payment amount was higher than my normal payment and I had previously had a payment returned, they had applied a 5 business day hold. I was told that the hold could only be removed if the payment was verified with my bank, and agreed to let the agent call my bank and request verification. Once we had a representative from XXXX XXXX on the line, he told us that the bank 's policy is not to verify transactions with third parties over the phone. 

I later called XXXX XXXX to figure out what to do, and they informed me that the payment had processed and that there was no way that Chase had not received the funds. Furthermore, he told me that it would be impossible at this point for the payment to be returned. I called Chase back with this information, and was told that there was nothing _they_ could do, as their policy is to retain the hold for 5 business days or until the payment is verified with the bank. 

I understand that this may be their policy, and that the law may provide me no protection, but it seems clear to me that this is an abusive policy. Chase has received my money, and they have refused to let me use their service for an arbitrary amount of time, awaiting a verification which can never come. If I did not have other funds available to me, taking what seems like the sensible course of actions ( paying off my full balance when I have the ability to ) would leave me utterly destitute. Meanwhile, Chase has a week to lend out and profit off of my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2020 at approx XXXX EST, I received a call from a man who claimed he was working with a XXXX XXXX XXXX to help lower my credit rate. When I declined, he then threatened to close out the credit cards I have with Capital One. When I asked how he is authorized to do that he read off my social security number. When I repeated again that I am not authorizing him to close my accounts, he got hostile and I asked to speak to his manager. At this time he hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: Experian Information Solutions Inc.
State: CA
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 am writing this complaint in response to complaint # XXXX. I spoke with a representative of the CFPB on XX/XX/2021 and was informed that Experian closed the complaint because they believed a third-party had submitted the complaint. I am confirmed with the representative of the CFPB that I, XXXX XXXX, am in fact submitting this complaint and Experian is continuing to dodge my complaint and violate my rights. I was informed that I would most likely have to take legal action for Experian to do anything. The XXXX XXXX Account is still on my consumer report. I demand compensation for these violation. The following is my original complaint : I, XXXX XXXX, a natural person spoke with XXXX at Experian on XX/XX/2021 at XXXX PST. He stated XXXX XXXX has verified all information on my credit report. I asked him if XXXX XXXX produced documents stating written permission to furnish this information to my consumer report. He stated Experian does not have this document and XXXX XXXX never produced the document. The Experian representative boldly stated they follow 15 U.S.C. 1681b - in regards to written instructions from the consumer to furnish a report. A clear violation because I never gave written permission to XXXX XXXX or Experian to furnish this account on my report. I demanded to invoke my right to privacy, Pursuant to 15 U.S.C. 1681 a ( 4 ). I never gave permission for this account to be furnished on my consumer credit report. Experian is not reporting accurately. Both XXXX and XXXX do not report this information. A clear violation for reporting inaccurately. Experian is using the excuse that " an unauthorized third party ''. They are refusing to fix this issue. Experian is ignoring my demands to fix this issue and it is causing me mental anguish, stress and injury to my reputation. 

I have attached an invoice for where my check can be mailed to. 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 2021-10-06
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My wife and I are trying to build a new home and when the bank tried to pull credit, they told me that Equifax was blocked and that I needed to contact them to lift the freeze on my account. I have spent over 15 hours on hold and talking to multiple Equifax customer service reps and each one of them have just told me that they can not access my credit file. They don't tell me that it's frozen, rather that it does not exist at all. They asked me to send in my social and drivers license to get it resolved, so I have done that 5 times now. 

After I had sent over the information multiple times, I finally got a response that my credit file doesn't exist- which is not true. I have existing credit cards, multiple car loans that I've paid off over the years, and my credit report is available through the other two major bureaus. 

Every time I call in or send correspondence, I get the same answer with no other possible solutions. There's no one I can call, no case # I can file, nothing. They are impossible to work with. I just sent them another letter with a copy of my other two credit reports to prove to them my credit should exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: CITIBANK, N.A.
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:
Hello, I have reached out to XXXX and the company named CBNA/THD directly about the unauthorized credit inquiry that is showing by CBNA/THD but no one have responded or gave me an update about the inaccurate information thats being reported. 

I am hoping that this complaint can make XXXX and CBNA/THD be responsible in deleting negative and inaccurate information like they should especially if they are reporting wrong information to my report that is hurting my score. 

Can you please investigate CBNA/THD with the inquiry date on XX/XX/2020 and have XXXX delete the unauthorized inquiry off of my report. Please?

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 2021-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am currently under an order by child support enforcement for in excess of 25 % of my wages. XXXX XXXX XXXX, XXXX sent me a notice of court proceeding to collect debt. 
i sent them a letter advising of such with relevant case numbers and advising the order is in affect until XXXX they filed a garnishment anyways, at my old job. they sent a second notice of court proceeding to collect debt and i sent emails to the attorney who was on the form and the managing partner. they filed the garnishment anyways. This is legal harassment and i believe it violates the FDCPA if they knowingly attempt to attach funds that are not attachable. I have received no response from XXXX XXXX. this is also running up the costs on the judgment which seems punitive

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 2021-10-06
Company: NAVY FEDERAL CREDIT UNION
State: CT
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:
Navy federal credit union agree to bring my car load and credit card to a good standard. In return i was going to pay them a settlement. I pay the settlement and the still report my accounts in bad standard. I call them on XXXX they say they will fix. But the did not. I call on XX/XX/2021 to navy federal and they admitt. The agreement but they still refuse to bring my account to good standard. They want me to pay more money after the settlement.i got denied on house mortgage loan because of the damage they are doing on credit because the still reporting. Im streess out this ruin my life. They are worse covid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I reached out to BBVA formerly ( BBVA Compass ) NA to advise them that I was a victim of identity theft. In my previous complaint they stated they needed an identity theft affidavit which I provided to them, and a statement of the issue. It looks like they may have closed all 3 credit cards but I am unsure. They told me theres two reward cards and 1 compass clear points, secondly they had two checking accounts the thief opened, a money market account, and 2 savings. All of these accounts were opened online using fraudulent identification information, fraudulent addresses and fraudulent information. BBVA USA allowed these accounts to be opened. They linked these to a fraudulent username I have never used. I would like this identity theft to be resolved and these accounts unlinked from me, since I did not open these.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had a XXXX account in my name, this is not my debt. My husband has XXXX  in his name and the account is in good standing. If there was a debt owed prior to 2016 we declared bankruptcy and that would have been included then

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 2021-10-06
Company: BSI Financial Holdings, 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 is missing that should be on the report

Complaint:
I have been with this company since XX/XX/2021 and they aren't reporting to credit reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2018 Bank of America charged my account eight {$35.00} overdraft fees for items that were paid. My account balance was not overdrawn for a single one of those charges. This is not the first time this has happened.

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 2021-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I contacted capital one bank to try and get a lower interest rate or to see if I was able to refinance for a lower payment and they said no my loan does not qualify for anything other than payment deferments now I owe {$1100.00} at the end if my loan maturity date because I gave deffered two payments already I have lost my job in XXXX of XXXX and still waiting for pua benefits I can not find another job due to medical reasons my family is getting sick of helping me keep my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This is somewhat of a continuation of a complaint about BBVA Compass Bank. Compass Bank had admitted to making errors and had apologized for them. They had retraced the amount supposedly owed from {$3300.00} down to {$1200.00} dollars. They admitted to taking a refund from the extended warranty and GAP policy. The extended warranty was {$2500.00} and the GAP was {$350.00} a total of {$2900.00} dollars. {$3300.00} minus {$2900.00} is {$420.00}. Compass Bank also did not included my monthly payment made in XXXX of 2017. Monthly payments were at {$270.00} dollars. So if I take the remaining {$420.00} minus {$270.00} that would be {$150.00} left as a remainder. Also in the recent past I had placed extra money onto the monthly payment. This paying above the regular monthly payment. So that being {$150.00} left of the remaining balance. Yet I will stress upon this again that Compass Bank did not return my prescription medication. Nor did they offer a refund, partial refund or any compensation of any kind. This medication 's cost greatly outweighs the remaining balance of {$150.00} by quite a bit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Americollect has put medical debt {$740.00} on my credit that I do not owe and destroyed my credit for a company called XXXX XXXX XXXX. I never signed for it, don't know doctor involved nor why I am being billed as a XXXX VET, XXXX XXXX XXXX XXXX XXXXXXXX receiving free benefits and need the details of this alleged creditor in order to dispute via attorney. This action is a HIPAA violation and a violation of the " no surprise " billing act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: National Credit Systems,Inc.
State: MS
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:
XX/XX/2017 National Credit Systems placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am another victim of Chime banking closing accounts with 48-72 hours notice, all the while still sending me emails about my new XXXX XXXX XXXX! If they want to close my account fine but I had around {$1600.00} on it, all on their XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 at approximately XXXX XXXX  PST, I received a call from a collections person stating that it was an attempt to collect a debt. She said my account was 13 days past due and I disagreed because I made two payments and canceled the second one. 

After asking questions I found out that TD Bank ( XXXX  ) had canceled my first payment set up on XX/XX/XXXX because I had two payments for the same month making it appear that I hadn't made a payment. 

They later told me that I didn't have to pay the {$29.00} late fee but it would be taken off at the end of the payback time. This is a tactic often used by banks attempting to leave on the additional fees without the consumer noticing it. When they set up the account back in XXXX I also noticed that they added on additional money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-11
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions 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 information incorrect

Complaint:
My family of XXXX and I had a land contract scam and must purchase a home by XXXX XXXX I am currently XXXX points from pre approval which is what we need to start shopping. I found out that even though I was paying XXXX XXXX on time weekly auto pay, there was a week that did not go through and rolled over. Due to that my car payment is showing XXXX late payments. XXXX Once we corrected and figured this out, we made sure to pay XXXX and XXXX to have this update ASAP ON ALL THREE BEUROS. I always paid toward my secure credit card debit which is the only item I owe for. Experian now is showing XXXX and my usage at 50 % and XXXX at XXXX and 3 % usage! I paid Experian twice to update my scores early to get the XXXX point needed to get that pre approval and for the loan officer to see my scores at XXXX. After paying twice and seeing the changes on Experian XXXX points and XXXX, XXXX has STILL not shown these updates! I feel as if experian lied as I was told they only have control over their scores, but promoted all THREE updating early rather than in 15 days!? Also after contacting and unlocking my online account on XXXX, I was told only a dispute will get them to update and report correctly? I am unable to dispute due to the fact that we are trying to purchase mortgage and my loan office said not to dispute anything! Please help me get this score to show correctly. I am playing down my secured credit card below 50 % now and everything else has be and show paid off or has been current! The medical bill is currently supposed to be taken up as I had insurance. I need XXXX or Experian to be at at least a XXXX for us to both be pre approved and due to being uneducated, we were scammed when we attempted to buy this land contract and home and we are in a time crunch! Thank you! XXXX XXXX and 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 2021-12-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XXXXorXXXX on line I summit on line application for for a everyday check with wells Fargo.I get direct deposits with them and tell me that I'm not good for a everyday checking account.

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 2021-09-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation