BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-05
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
So without any warning, Chase Bank decided to shut down all of my accounts due to the number of accounts opened up in the last year, requests for additional credit and the amount of revolving credit. Even though I have paid all of balances off in full each month and I did so with Chase, XXXX, XXXX, XXXX, and XXXX XXXX and try to maintain a low debt utilization ratio, so that Chase knew that they could trust me with opening up one last business credit card account with them, they decided to approve me for that card in XXXX of XXXX and then shut down all of my accounts literally a month later. My credit score was still in the low 700s and now because Chase did this, my credit score fell so much and they know I deserve to have those accounts reinstated but they do not listen to the simple truth that I am doing my part as a consumer always making payments on time for them and they are without any evidence or proof closing my accounts down? Please explain to me why I should not be upset at this company for giving me false hope by approving me for a business XXXX preferred card in XXXX XXXX, my 6th account with chase, and yes I did apply for a number of chase cards in the same day to combine injuries. I did not know nor did the REP who approved me note that I am being risky, if I knew this would happen, I would have never even asked for any additional credit ( I just wanted to avoid their 5/24 rule by submitting new apps on the same day. I have paid off literally all of my balances and deserve to have my accounts reinstated because that is the right of a consumer who does n't even carry higher than 10 % utilization during my time with CHASE. Please open them back up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a collection/charge off on my credit report by this company. Have tried numerous times to dispute with all credit bureaus to no prevail. Have contacted collection agency to validate debt and have gotten the runaround demanding that I pay them. Have been harassed with phone calls and countless letters. Not once was I provided evidence authenticating the debt at question. Never received proof or validation that debt belongs to me. Have yet to see a single signature of mine validating that the debt in question belongs to me. My credit score has dropped over 100 points because of this incorrect collection/ attempt to collect false debt from me

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 2022-01-20
Company: The CMI Group, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello XXXX XXXX  ; CREDIT MANAGEMENT ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
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 status incorrect

Complaint:
Credit card showing 30 days late on all my credit reports.

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 2018-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have these accounts on my credit report that are more than 7 years old and should have been deleted. 

1. XXXX XXXX XXXX {$3100.00} 2. XXXX XXXX {$1500.00} 3. XXXX {$1000.00} 4. XXXX {$41.00}

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 2022-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Checking, Saving and Business Checking [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ] opened at XXXX Bank XXXX XXXX, FL XXXX in XXXX. Accounts were closed due to fraudulent activity not performed by myself [ bad check and unauthorized transaction ]. There was no repayment of funds issued without consent nor was there an authorized account user other than myself. Also, a XXXX XXXX IRA Custodian Account for XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) was opened, which carried a position. Last corporation was XXXX XXXX. 

According to customer service and banking Representative at XXXX XXXX of XXXX, FL XXXX no such accounts existed ( XXXX ). Also, the IRA Custodian Account had funds distributed without my consent nor an explanation. Also during XXXX a Location in XXXX XXXX, FL XXXX informed me due to COVID no one was allowed in the branch and my account was closed, and there was no remaining balance. I found that to be false when I sold remaining shares [ 5 ] of XXXX XXXX and informed XXXX XXXX my position was not for sale. 

Funds were issued by check. An account for XXXX ( {$1200.00} opening balance ) was closed as well during XXXX however there was a joining account that was tampered with, no consent from myself nor an explanation other than being closed for fraudulent activity. No fraud transpired and I have been without an account and funds since other than XXXX XXXX XXXXXXXX XXXX which was closed maliciously as well without my consent ( XXXX ). 

Remaining balance in XXXX XXXX ( {$1800.00} ) was never refunded nor an explanation to why this occurred with both banks. Same issue occured with Bank of America, Account user with XXXX XXXX XXXX [ XX/XX/XXXX ] ( XXXX ) and XXXX  XXXX XXXX XXXX XXXX ( XXXX ) ; funds being distributed and tampered with, without consent or explanation other than computer glitch or clerical error.

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 2021-09-15
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: Account status incorrect

Complaint:
Good morning, I am confused how the credit bureau is reporting information that causes by credit score to dropped tremendously. Over the last 2 months my score went from XXXX to XXXX and continues dropping and no one can explain to my why. The information by showing on the credit bureau site is not clear at all. I need your help with providing me answers to my concern and with stopping my credit to fall. 

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 2022-01-20
Company: FC HoldCo LLC
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:
Every single day 2 or 3 times started back in XXXX XXXX Was in Major car accident

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 2022-01-20
Company: Choice Recovery, 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:
XXXX XXXX XXXX XXXX {$140.00} Choice Recovery- {$380.00} disputed with experian, XXXX and XXXX. fraudulent information on my credit report. They are in violation of the FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: EQUIFAX, INC.
State: NC
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 purchased a car in XX/XX/XXXX for approx {$12000.00}. I have a loan through my bank, XXXX XXXX XXXX XXXX, and I have been making on time payments for two years. This is not reflecting on my credit report. I have dealt with my bank for the past 6 months, at which they are telling me it is out of their hands, and has to do with the Credit Bureaus. I contacted Equifax and I was told it was my banks fault. My bank tried contacting Equifiax, and they said they are unresponsive. I have worked very hard to have this loan and build credit. I have invested a lot of my time and energy into addressing this matter, and after a year of not getting anywhere I am now seeking other methods of help to get my loan to show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have submitted dispute letters THREE times within the dates of XXXX of 2021 to XXXX of 2021. I have not received any notifications nor have there been any changes made to my report. THIS IS VERY FRUSTRATING.

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 2022-01-20
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech reported paying {$230.00} to Insurance ( XXXX XXXX ) on XX/XX/20 and {$230.00} on XX/XX/20 which was not received by XXXX XXXX. We have no information to confirm that these checks were credited to the insured, loan, escrow, taxes or insurance. 

Shellpoint has shown this amount as a negative balance on escrow. There was no payment for insurance or taxes from escrow. The NO escrow option was chosen on the original loan acceptance. There was not indication of this error on the original loan information. The account shows late and is threatening foreclosure. We are not paying this escrow amount because we do not owe anything and should not have to pay this. 

We have spoken to the Insurance department, the escrow department and customer service departments separately. They filed a complaint on our behalf with Shellpoint. They do not respond by mail. They do not respond to our phone inquiries and often disconnect our phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attention to AFNI : Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or  transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for  collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XXXX of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
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: Old information reappears or never goes away

Complaint:
I have these accounts on my credit report that have been deleted more than once and readded more than a year later. I have added proof of these accounts being deleted. these accounts are not mines as well or was due to fraud. 
I have these seven accounts that needs to be deleted again. 

1. XXXX XXXX XXXX XXXX {$4100.00} 2. XXXX {$10000.00} 3. XXXX {$7600.00} 4.  XXXX XXXX {$1300.00} 5. XXXX. XXXX {$1000.00} 6. XXXX XXXX XXXX {$3100.00} 7.  XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
Over the past 6 months I 've had multiple conversations with people at Ally Financial about my lease ( ending in XXXX ) and buying the car at the conclusion. I 've had to file complaints with the BBB, CFPB and at XXXX just to get someone to send me a copy of the original lease agreement ( the dealer said they did n't have it or could not honor the request ). Now, for the 3rd time in a month, I get conflicting information about buying out the lease.
Keep in mind that someone at Ally once told me the buy out amount was over $ 19k/year. Once I got the copy of the lease, the buy out is actually $ XXXX. But I was told on multiple occasions that I would be sent a buyout package. I 've already secured a loan to buy the car. However it appears that Ally is doing everything they can to not allow me to do so.
It 's either negligence or incompetence. Either case is not good for the consumer.
If this is n't resolved I 'm going to sue Ally.

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 2022-01-20
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: Was not notified of investigation status or results

Complaint:
I have submitted dispute letters THREE times within the dates of XXXX of 2021 to XXXX of 2021. I have not received any notifications nor have there been any changes made to my report. THIS IS VERY FRUSTRATING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
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:
A collection account for XXXX XXXX XXXX XXXX XXXX XXXX is showing on my credit report. This is fraud and wasnt authorized by me.

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 2018-06-05
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed on a {$100.00} Dollar Loan that was raised to $ 132+ amount. They sold the debt to another collection agency and I paid {$180.00}. Almost twice the amount of the original loan. XXXX XXXX  XXXX still shows an outstanding balance amount with361 days and counting that the loan has not been paid. The load was sold and not reflecting the correct amount which is effecting my credit rating with this false reporting and intentional inaccuracy. What am I suppose to do, pay the debt twice in order to have the debt clear? I wouldn't put it past them. That would be highway robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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: Information belongs to someone else

Complaint:
XXXX XXXX is reporting a loan tradeline to my consumer credit file. This is a violation of the FCRA as I never authorized a loan with an energy company. I'm not sure if that is even possible. 
Next, there was never an opened date or payment history on this alleged loan appearing on my credit file. I never authorized this account nor was I aware that it ever existed as there is no reported payment history or date opened. This account alleges to be a loan tradeline. This entire tradeline reporting is false and is out of compliance with the FCRA. XXXX never provided a loan to me. 
Credit Bureaus are required to ensure that only accurate information is being reported. This entire tradeline is false. I did not accept a loan from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: AXOS FINANCIAL, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Tried to withdraw money XX/XX/2020 and then closed my account and still am awaiting funds from Axos bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I, finance a vehicle with XXXX XXXXXXXX XXXX  on XXXX and on XXXX furthermore, I paid the vehicle off, thru out the entire loan and until now the Lender has never send any reports or payment history to any of the ( 3 ) Major credit reporting agencies and now after reaching the lender they claimed that they only can send a payment history over the mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation