BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-27
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
To Whom it may concern, Hope this day finds you well. 
I am a victim of Hurricaine Florence. I called to inform the Credit Card Chase Slate company to set up arrangements for payment.. First I want to explain I was misunderstood about the APR. % I understood I could try to get a lower percentage after 6 months. No one could do this. Not one time  have I been late in 2 years of having this Chase Slate Credit card. I have recently dealt with numerous hardships. Homeless XX/XX/2018 per a Landlord who claims he owes Federal and State taxes to IRS even though he verbally told me on phone for additional 1 year lease for my daughter to stay in the school she was attending.. A divorce on XX/XX/2018 and to follow Divorce hearing tommorrow XX/XX/2018, and Hurricaine Florence XX/XX/2018 that left my " paid '' car totalled out from water and electrical damage from flooding. The way I have been treated from this company has been very devastating I was basically the phone begging for help by 5 different " associates '' for approximately 5.5 hours only to be denied an  arrange for hardship only to be confused with paying them prior to my due date.. You see I am a XXXX XXXX and I can not miss work or sign a contract until after my divorce hearing tommorrow XX/XX/2018. So that means NO Income at this time. They had a XXXX payment coming out of my account for XX/XX/XXXX then XX/XX/2018 and XXXX XXXX dollar payments coming out of my account for XX/XX/2018 until I found that they did have hardship for hurricane. All I wanted to do was close my account and set up monthly payments near 200. Now it is XXXX a month. I can not pay this amount and I am trying not to let it affect my credit score. They keep denying me. I will send this letter to you in good faith if someone can please investigate. I am continually hearing that they can't do anything for me. I have to work. I do NOT have time for this anymore. It has caused intense stress and they belittled me many times over. They then referred me to a Credit counseling agency XXXX XXXX that required a higher percentage rate and informed me well that I can't buy a house with this credit until paid. Really? I lost my car, my home and divorce All in one month ... .. XXXX XXXX wants to Tell me that for about an hour on the phone too. I do not wish this for anyone else. 

Again Thank you for your time and have a good day. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
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: Information belongs to someone else

Complaint:
I found a fraudulent accounts on my credit report

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 2020-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my XXXX  & XXXX  Credit report I have discovered a couple of Inquiries that I do not recognize nor did I authorize. Please remove the following inquiries : XXXX/XXXX  ( Reporting on XXXX  ) Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX And BANK OF AMERICA ( Reporting on XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Thank you, 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 2017-08-07
Company: Weinberg Mediation Group LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A woman by the name of XXXX XXXX with Weinberg Mediation called, and left a menacing message saying that they had an important legal matter to discuss with me. If I did n't call her back today, they would take further legal action. 
I looked up the company, and they are debt collectors. I also found MANY places on the internet  where multiple people say this company is a scam. I do n't have any bad debt, but pulled up my credit report to double check. All clean. This company is obviously trying to scare me and scam me out of money. This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX, I received an email from Citi Advantage stating that I missed my payment due date. Surprised, I logged into my account to submit a payment than same instant. This account has never been late, and I was surprised my autopay was removed. Since then, I have received daily emails stating " You missed your payment date ''. I have a payment confirmation email from Citi and my bank, but I'm still receiving these emails that I find to be harassing.

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 2020-09-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Three months ago I received communication from this company via the mail. At the time of getting this information I replied that this was not my account and that they need to validate and prove this debt was mine because I have disputed it with XXXX  XXXX as well when I received the letter stating it was sold. They sent me a copy of a bill and a letter from XXXX  XXXX that I have already disputed and said the account was validated and have since put this on my credit. I have had a fraud alert on my credit for 10 plus years and I have a police report stating that I have been a victim of fraud since 2007. The Police report number is XXXX and was filed with XXXX Police Department. The keep calling harassing me from different numbers all day I have asked them to only contact me by mail. I have literally blocked 45 different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/20 my computer was compromised along with my checking account information at Wells Fargo and a cash withdrawal was made on my Wells Fargo checking using XXXX for {$490.00} by a XXXX XXXX ( XXXX ). I reported it with claim no. XXXX. New account numbers were created for checking and savings. Number one I have never used XXXX before, two I do not know this person, and three I did not do this or authorize it. 

On XX/XX/20 Wells Fargo withdrawal slips were filled out with both new account numbers hand written in and signed XXXX XXXX and took {$2400.00} cash. I have never signed any document as XXXX XXXX. So back to bank with claim numbers on attached sheets. New accounts were again assigned for checking and savings. Wells Fargo has since returned the {$2400.00} to my accounts for this was obviously inside fraud. 

On XX/XX/20 I received a letter from, Wells Fargo that denied my claim on the {$490.00} stating they did not believe me that I did not do it.

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 2020-11-17
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
complaint involving fay servicing - I fell behind on my mortgage and filed bankruptcy chapter XXXX ( with a lawyer was informed to start making a fresh start XX/XX/XXXX and that my XXXX payment was included in the bk cp XXXX case. After discharge i received a bill from fay servicing showing doubled for XXXX and XXXX. I've called fay servicing multiple times requesting research and correction to my acct. Last call was around XX/XX/XXXX rep said he would send a pencil ledger to my case manager. I haven't received a call back as of yet but in the mean time fay servicing filed a motion for relief on my home. i have brought my account all the way current but they are still saying i am behind. i have all my payments which where made by check so i have my bank transaction history to fay servicing to provide. I fell they are misleading and it's not fair to me also i feel like they are eager to take my house instead of correcting the issue and they keep charging lawyer fees on my statement but won't address my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: National Principal Group, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I paid off a debt to XXXX XXXX XXXX that originated with XXXX XXXX for a XXXX Credit card. The Balance that was due was XXXX, I set up an arrangement with the creditor to automatically deduct {$220.00} from my account on XX/XX/XXXX and another {$220.00} on XX/XX/XXXX to pay of balance and fees that were included. Recently I began to receive collection calls regarding this debt from XXXX but they are saying that the original creditor is XXXX, I explained to the rep that I no longer owe the debt and that it was paid through another collection agency. I recently sent a letter including proof of payment to XXXX but they are continuing to say that I owe the debt. I tried to reach out to XXXX XXXX XXXX and the phone number is disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I sold my bitcoin. Actually I sold XXXX of my bitcoin. I purchased it in XXXX through an agency called Coinbase. The selling price was {$9700.00} on XX/XX/XXXX. Today is XX/XX/XXXX, which makes it the 16th business day, and after numerous E-Mails of inquiry, I still have not seen this money deposited to my bank account and no response from Coinbase. The Reference Code for this transaction is XXXX, and the amount after their fees is {$9600.00}. I took a screenshot of the transaction which shows " complete ''. I can attach this document if necessary. The problem with Coinbase is that you can't talk to a person. All correspondence must be by E-Mail

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-27
Company: First Technology Federal Credit Union
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, FIRST TECH FCU add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX/XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: ERC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a complaint from XXXX XXXX against Enhanced Recovery for Enhanced Recoverys failure to provide requested information for the debt alleged. On XXXX XXXX, 2017, consumer ( through legal counsel ) responded to the reporting on his credit report from Enhanced Recovery with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: EQUIFAX, 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:
XXXX. Shows incorrect balance and the account shows incorrect late payments. Acct. Was granted for Financial Forbearance was granted 3-Times. By XXXX XXXX XXXX. Financial Forbearance was granted for XXXX XXXX XXXX XXXX, It's Written in the Lease, No Late Payments and No Missed Payments will Not be Reported to the. credit bureaus, XXXX XXXX XXXX, Reported to all three credit bureaus as 7-9, Late Payments. 
According to the Lease Agreement. When A Financial Forbearance is Granted, All Payments will be Added to Loan and must be paid at the back End of the Loan. 
XXXX XXXX XXXX Also recently added {$750.00} In Collections Added to the Account. 
This is Incorrect info to the car loan. 
{$750.00} is from a old collections XXXX. 
XXXX XXXX XXXX XXXX XXXX. 
On XXXX, XXXX XX/XX/XXXXAcc. Bal = {$12000.00} Loan Amy. = {$12000.00} Collection Acc.Added = {$13000.00} Incorrect Collection Account was added in the amount of {$750.00} This should be Removed. 
This Information was reported by ; XX/XX/XXXX Request Corrections to be made with XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: OH
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:
In light of recent investigations brought upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past two years I have made several attempts to remind Equifax of their duty pursuant 15 USC 1681. It appears that they're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am filing this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1682i ( A.5 ) says that after reinvestigations, all of the unverified information must promptly be removed. 

Based on previous disputes I've filed with Equifax regarding these accounts ( XXXX ), Equifax failed to thoroughly investigate these accounts as well as not sending substantial proof of validation after their independent investigation. 

The following accounts we're not properly investigated and needs to be removed according to 15 USC 1681i. 

XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX This revolving account being reported by Equifax is inaccurate and is being unfairly listed multiple times on my consumer report : XXXX. XXXX XXXX XXXX XXXX Remove this account for inaccuracy immediately. This account is listed twice on my consumer report causing damage to my financial future. 

XXXX. XXXX XXXX XXXX XXXX remove this account due to being unverifiable and inaccurately reported. 

XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Equifax failed to provide proof of delinquency following a improper investigation for this late payment reported by : XXXX XXXX XXXX Update this account to pays as agrees. Balance owed is being reported inaccurately which proves Equifax didn't complete a proper investigation of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a drop in my XXXX XXXX due to high utilization of my Capital One Quicksilver credit card as reported on XX/XX/2020 ; however, my balance was paid in full ( as is the case every month ) on XX/XX/2020. My credit card is due the XX/XX/XXXX of each month, payment is usually reflected on my credit report on the XX/XX/XXXX or XX/XX/XXXX each month. I do not understand why my account was reported earlier than the due date as I pay on-time each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Bread 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: Account status incorrect

Complaint:
Zales ( Comenity Bank ) closed and sold my account while reporting the account as charged off to all major Credit Reporting Bureaus. The name on the account is in the name of XXXX XXXX, the total amount that was sold to a collection agency ( which I did not contract with ) XXXX XXXX XXXX and their reporting it as well. This is a direct violation of my consumers right under title 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Request to remove the fraudulent information was returned with an answer that it was verified to be correct. Zales sent a affidavit clearly that the account was closed and SOLD to XXXX XXXXXXXX XXXX  while still sending charged off account to all major credit bureaus. I have sent XXXX XXXX a request to show where they have authorization to report on the credit for XXXX XXXX along with information that XXXX XXXX agreed to be in a binding contract with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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:
Someone attempted to get a credit card in my name through XXXX XXXX XXXX. It was denied, but i would like the hard pull taken off my Transunion credit report. XXXX XXXX XXXX. Inquiry made XX/XX/2023

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 non-monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: IL
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 feel taken advantage of since my disputes are being ignored! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this 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 2020-11-18
Company: Bridgecrest Acceptance Corporation
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid the entire balance of my auto loan on XX/XX/20. Bridgecrest told me I would receive the title in 4-6 weeks. I have contacted Bridgecrest several times since then, and they will not give me the status of the title transfer. Today I called my state 's motor vehicle department, and they have not even received the title application. The car was stolen then totaled, and I can not receive payment from my insurance company until I send them the title. I have been without my car for almost two months, and Bridgecrest has caused delays every step of the way. This is my third complaint against them. I even told them I would file a complaint if they didn't give me the status of the title transfer, and they don't care. They don't respect the CFPB. They don't even attempt to provide good customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In XX/XX/XXXX, A Thief stole my information and fraudulently opened a XXXX XXXX Account in my name that should have been caught by XXXX XXXX if they did their due diligence. The account was defaulted on by the thief, and went to collections. I received notification when I purchased a new car in XX/XX/XXXX that there was a collection account. Since I did not open a XXXX XXXX account, I contacted law enforcement and filed a police report regarding the ID theft. In XX/XX/XXXX, I submitted a dispute with Experian and provided the police report. They initially removed the credit inquiry and the collection account after providing the supporting police report. In XX/XX/XXXX, I pulled another credit report and saw the collection account was back. I again disputed the information and Experian now refuses to remove it. I resupplied the police report and showed the account was not mine. Experian refuses to cooperate and has not promptly removed it. Now, I can not even pull a credit report online through Experian. It is ashamed that a thief has been able to cause this much damage and the credit bureaus that are supposed to protect my identify are now contributing to the victimization. What more could I possibly do??

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 non-monetary relief