BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-07
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2017 I mailed a letter to Equifax stating that an inaccurate item being reported was being reported on my credit report by XXXX XXXX XXXX XXXX. The item shows a balance of {$57.00} and an account status of charge off. I enclosed a photocopy of the validation letter that I sent to XXXX XXXX XXXX XXXX at the address on my credit report ( XXXX XXXX, XXXX, MI XXXX ), it was returned to me by the post office.I demanded that they remove the inaccurate information immediately. i even provided them with a copy of my credit report showing the inaccurate item. I received the results of my investigation from Equifax stating that they the creditor has verified to them that the account is being reported accurately, and informed to me that if I was to have any additional questions to please contact : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX MI XXXX which I informed them I tried to do but I was unsuccessful in my attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2015 i purchased a mobile home for XXXX. It needed to be a complete re do. I lived in it for over 1 year. After 1 year the mobile home park couldn't give me my title that i needed for homeowners insurance, wouldn't fix park safety hazards, and i was within my tenant space rights to withhold rent due to illegal septic vents, rats, and illegal misleading of meters. All of this was verified by the state, health department, code enforcement, and emails i have. I came to an agreement to walk away from the home and they wouldn't take on any legal action against me and I wouldn't against them. 
My last day there i was served with court documents. I spent months sending them via email to the attorneys who were in charge of the debt. Filed my response with the court and left my forwarding info with the park. I never received a court date or heard another word. 
Then came the calls, emails, harassment threats to put me in jail. All illegal things. From a law firm. 
I requested, in writing proof of what they say my debt was. I never got a single thing from them. I told them they needed to stop calling me my friends and relatives and put everything in writing. I had to file disputes as they said i owed over 4k dollars. They changed it to XXXX and then every week in increases by 8 to 15 more dollars. It's always changing and it's the only negative on my history. I don't owe this at all. It's not even my debt. 
In the last week 7 calls from them demanding payment and then today one of their attorneys sent me a friend request on XXXX. A social media platform. This is beyond harsssing and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My husband and I ( XXXX and XXXX XXXX ) have a joint account at Bank of America. The recent balance in the account was approx {$24000.00}. On X/XX/2017 we were contacted by Bank of America to inform us that earlier that morning someone was able to represent himself as XXXX XXXX, successfully opened an additional joint checking account with Bank of America in XXXX XXXX 's name with a joint account holder. Neither my husband nor I know who the joint account holder is. {$140000.00} was successfully transferred to the fraudulent account. Essentially it was explained to us that my husband was a victim of identity theft. On XX/XX/XXXX I was initially assured that the money would be restored to our account and once restored I could go to the branch and close out my account that had been breached and created a new account to transfer the funds in to. Unfortunetly the funds we never transferred back to my account. I am now told that this will not happen until the fraud investigation is complete and that this could take up to 30 days! I find this unacceptable. I do n't understand why my funds have to be tied up for 30 days. We have presented proper ID at the bank and still we are told 30 days. I have been a customer of Bank of America for at least 15 years. This is not a small amount of money and I find this to be inappropriate and unethical. An investigation can continue without them holding my funds. I want my money transferred back to my account ASAP.

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 2017-07-28
Company: EQUIFAX, INC.
State: KY
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 had a loan modification in 2015 which was completed and my payments are now up to date and current, however they are being reported as 120/180 days late by Equifax which is incorrect. I have been 30 day late but not 120 or 180 days late since my modification of my mortgage. This information makes my mortgage history look worse than it actually is and when I tried to correct by sending my bank statements and cancelled checks it still was not updated to reflect correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went in Chase Bank last year in attempt to open an account and they informed me that several accounts were opened in my name. Then, I contacted Chase Bank about the multiple checking and savings account that were opened fraudulently using my information. I reached out to Chase over a year ago on XX/XX/2019 to get this resolved, and was told to complete the " Identity Theft Declaration of Claimant '' Packet and turn it in within 15 days. I immediately completed the packet and listed all 6 fraudulent accounts that were opened using my information. I mailed the packet back to the address I was directed to send it to : ( Mail to : JPMorgan Chase Bank, N.A Customer Claims Department Attn : XXXX XXXX XXXX XXXX XXXX, OH XXXX Fax : XXXX ) It has been 12 months and I haven't received any information back on that. I need those accounts cleared from my name because I NEVER opened a Chase account, and its messing up my credibility. I can't even open an account with Chase either. All the closed Chase accounts attached to my SSN/NAME weren't opened by me. Please fix this immediately! Ive done my part, i would like for you all to do your part and clear those records from my name! I would like to be able to open up an account with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: Direct Account Management
State: WI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My wife received a call and voicemail regarding her potential qualification for a student loan forgiveness program through " Direct Account Management. '' We went through with it and have the understanding they are a scam. They have my checking account info and I am scheduled to make payments of {$200.00} today and on XXXX of each month for the next 5 months and $ XXXX/month for 240 months.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
original creditor was XXXX XXXX  and that is what is on my XXXX credit report but on my equifax XXXX XXXX XXXX purchased the loan. and reported the i had been making payments since XXXX it was and has been a charged off account and then they refreshed it by putting that i missed a payment recently on XX/XX/XXXX and on XX/XX/XXXX i have not done anything on this account since XX/XX/XXXX they have illegally refreshed this account I had no idea they had even purchased it. i have contacted equifax twice on the matter and they are no help at all. on one report it is still XXXX XXXX with a differnt balance on that alone there are major conflicting issues with this .companys should not be allowed to purchase other accounts like this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. 

I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.

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 2017-07-28
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Card issuer, American Express, refuses to send me paper statements despite my request they do so. Their stated position is statements are available electronically and can be printed. Personally, I prefer to receive paper statement in the mail for review and as a payment reminder. I have incurred late fees for delinquent payment, which I will attribute to not being aware a payment was due. I prefer to receive paper statements in the mail as a way to manage my personal finances and payment obligations. I think card issuers should be required to provide paper statements if only upon request. Can you help me with this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This was investigated for 1 day before shooting me down. My only recourse at this point is to file a law suit against all the proper channels inwhich is involved and has caused me pain and suffering due to a lack of investigation and failing to apply the law as it should to this particular situation. And, again my problem is that an account ( XXXX XXXX ) was removed from my report files XXXX of XXXX, but sometime without warning it reappeared XX/XX/XXXX. As a general rule whenever an account is reinserted on ones credit file, the consumer should be notified within 5 days, and this did not happen, instead it was reinserted, why?, especially when there's already a police report attached to my files stated the about account is fraudulent and this XXXX XXXX account shall be permanently and immediately blocked and removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I mailed a dispute letter to the Equifax credit reporting agency on XX/XX/XXXX asking them to verify the 17 negative accounts that appear on my credit report. I included another notarized page with clear photocopies of my drivers license and social security card. As of XX/XX/XXXX I have received nothing from Equifax in response to my letter. I should also note that I have received reponses from the other two major credit reporting agencies within the 30 day time limit. 

I am including with this complaint a copy of the dispute letter that I sent to Equifax and a copy of the Ceritified Mail Receipt. Equifax received the letter on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called the collection agency ( AR Resources INC. ) and I told them that I did not have the full amount of {$290.00} that was owed but I wanted to know if I could settle the account for a lesser amount and if so I could pay that amount the same day. The representative told that I could pay {$180.00} and that it would be taken care of and that it would take 30 days to show the collection as paid on my credit report. So I thought that everything was taken care of. When I pulled up my credit report this morning, It showed that I did pay {$180.00} but it also showed that I still owe a balance. According to what the representative said, the debt is supposed to removed because of the payment that I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
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: Account information incorrect

Complaint:
The company has reported false and inaccurate information on my credit report. They have reported this information to  XXXX  and Transunion using different company names, different account balances, etc. I have contacted  XXXX  to request that they remove this false and inaccurate information and nothing has been done.

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 2020-02-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I been a Synchrony bank/J.C Penney credit card customer for at least five years now. However, recently for reason unknown to me Synchrony bank first, resorted to preventing me from using my card and second has closed the account altogether. I last, checked in on XX/XX/2020 and was surprised to see the account status as closed for no good reason. As previously stated the account has been open for about five and in such time not a single payment has been made late nor is there a due balance on the account. I was neither informed of synchrony bank intentions of closing my account and in fact planned to use it soon. In such case, I consider synchrony bank acts as direct violation to my civil rights since as an ideal and paying customer I should have at least been informed of such action.

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 2020-02-12
Company: GOLDMAN SACHS BANK USA
State: TX
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:
On XX/XX/2020, I was attempting to purchase a computer at XXXX on my Apple Card. The purchase was declined. I talked with multiple representatives at Apple/Goldman Sachs ( the underwriter for the card ), but was unable to use the card, even though the purchase was well below my limit. The credit card rep could not give a reason as to why the purchase would not work. I ended up using another card after spending about 50 minutes on the phone with the credit card company trying to get the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian Date : XXXX XXXX 2017 Report # XXXX Experian has by them being Experian that this account is to go positive in XXXX show how is it if the account has not been late so long to go positive as stated by Experian. 
As Experian states : Your account that may be considered negative it seem worded on way by them to use to there advantage against a consumer as they sell consumer information for there benefit as to what is positive. 

So Experian puts your accounts in this : Your accounts that may be considered negative section on there credit report in which they do n't want to justify if payments have not been late in over 18 months/ 24 months. it seems like deceptive practice with a consumer by there wording

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 2019-09-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My issue is with Equifax credit report and has been going on for a week+. 
While attempting to lift a credit freeze ( which took over a week because attempts to do this via automated phone, web, and multiple agents failed ), it was discovered that Equifax credit report is missing 38 years worth of employment. 

The agent told me to login to Equifax and add my current employer because they could not do that. The agent said neither of us could add employers beyond my current employer. 

I gave up speaking with the agent and tried logging in at my.equifax.com to update my current employer. I can not log in to the website even though the password, etc. is correct. The site says " an unknown error has occurred ''. 

I tried calling Equifax again re : the website error - the phone system asked a lot of questions but eventually told me to have a nice day and hung up in me, referring me to equifax.com. 

When I went to equifax.com, it redirected me to my.equifax.com where I'm getting " an unknown error has occurred ''. 

I basically have no way of contacting Equifax at this point to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: JPMORGAN CHASE & CO.
State: MD
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:
Chase bank usa nia XX/XX/2018 unknown inquiring on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: MT
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 sold my house and paid it off but they reported it negatively on 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 2021-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
Hello! I sent XXXX $ on XX/XX/2021 by swift wire transfer to my fianc because we are planning to make wedding but long time my fianc doesnt received it and then I recall my money back. But I DIDNT received the funds to my account back. I called to wire transfer investigation department and they are said that my option just wait. But I waiting almost one month and I dont want to loose my money. How can I see the track of the funds and where is my money right now?

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 2019-04-26
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a validation letter to Financial Data Systems ( FDS ) dated XX/XX/2019, requesting that the company validate reference no. XXXX which is currently being reported to the credit bureaus. In my letter, I also specifically requested evidence showing the company 's legal authority concerning this matter. More specifically, I requested a copy of the alleged contract or instrument bearing my signature. In addition, I specifically requested proof FDS is authorized to collect this debt and has the legal authority to do so. 

FDS responded to my first request for validation in a letter dated XX/XX/2019. Included with the letter was a copy of a statement from XXXX XXXX XXXX in which the description of the services were redacted. 

In a letter dated XX/XX/2019, I again specifically requested that FDS provide me that the company is the legal owner of the debt, and that FDS has the legal authority to collect this debt, as well as a copy of the contract bearing my signature. 

FDS has not provided evidence that the company is the legal owner of this debt and that the company is authorized to collect the alleged debt as I have never had an account or contract with FDS. Therefore, I have no legal obligation to pay a debt that can not be validated with proper evidence. FDS is not in compliance with federal credit reporting laws and is reporting inaccurate information to the credit bureaus. I hereby request that FDS promptly remove any and all references from all three credit bureaus and cease and desist all communication with me concerning this debt.

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