BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have a business checking account with Chase Bank, and about 20 days ago they've closed our account and promised to send Cheque within 10 days after account closed. In last week, we send some merchant statements to Chase branch Manager and Ive never heard back from anyone yet. 

They holding XXXX USD total and they killing our business down to earth. If i had chance, i would burn XXXX XXXX into XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Several credit card companies have lowered credit limits without warrant or late payments. 
XXXX XXXX XXXX XXXX XXXX Lowering available credit, without just cause, is also lowering ratios, which are lowering my credit scores. 
I have a XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) I can not run my business without credit. 
I was disqualified from a lease of a dishwasher from XXXX XXXX XXXX. 
I dont think that credit companies, should lower my available credit, Without just cause. 
This is directly causing me ill affect to being able to run my restaurant. 
The declined lease was of my credit score from XXXX to XXXX, For no cause of my own. 
Please advise

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 2020-01-24
Company: EQUIFAX, INC.
State: NJ
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 several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XX/XX/2017 - called XXXX to transfer services due to move. After several weeks and conversations it was determined that the area I was moving to was not serviced by XXXX and they want to charge me a cancellation fee ... even though I was not 'cancelling ' the contract - they, XXXX did not service the area.

2 cases were finally created by XXXX : # XXXX - to confirm serviceability - they sent a XXXX van out to my new address, confirmed no service # XXXX - termination fee suspended XX/XX/2017 - Debt collection - from XXXX XXXX, XXXX - contacted them, disputed the case, gave them the information above, they closed the case. 

XX/XX/2017 - Debt Collection - Convergent - called them, told them I am being harassed by XXXX - since this debt was resolved 6 months ago ... .. sent them the closed disputed case. 

I am filing a complaint because I feel harassed. I have to take time out of my schedule to deal with this nuisance. This is all unfounded by XXXX. They are awful. If harassment does not stop - I will retain a lawyer.

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 2020-05-08
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried to explain that the person they are calling and sending letters to is a minor and wanted additional information about the validity of the debt and next steps. The gentleman in question spoke down to me rudely, and ended the call while I was still speaking. When I called back, the next person was also rude and didn't explain the situation very well. I asked for a supervisor to clear things up, and was put on an endless hold before the call terminated abruptly, with no one coming back on the line. The account number in question is XXXX. Again, the person on this account is a MINOR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
Capital One will not grant me access to my account online. I've been able to verify my identity through multiple processes, but not the processes they prefer. The sytem is to strict for people traveling to access if they get locked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I separated from my husband we both had our phones through XXXX XXXX I took my phone and assumed responsibility. That point I had it for a year I change companies to XXXX had them walk me through each and every charge and how to get out of that phone. Paid that amount and 2 months later I receive a huge bill. As soon as I receive this bill I contact the company go over it they said that there are now new fees that are going to be attached. At that point I completely disputed the bill. No form of dispute took place with this company I could not fight the charges there were no steps for me to take I put a dispute in with my credit reporting agencies and it still stands that way now this was almost 7 years ago they're not allowed to be on my credit report after that time. So they have chosen to sell it to another company and they're reporting it as a new debt only thing on my credit report I refuse to pay it because this was a wrong practice in the first place! Now this company is harassing me I mean from phone calls to letters in there different phone numbers every time. Even though I say I dispute it that they're not allowed to report it to my credit agency that they are not the ones that had their debt and mine has been just how can they sell a disputed item anyway? Nothing has taken place for me to even have a stand to dispute! XXXX XXXX is the new company the debt they are reporting a {$660.00} debt when I paid every single one of my fees to get out of that contract I can't do it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
i have not used credit and the 3 agencies give me no score when an iquiry comes in discriminatingly against me rating me out of the normal rating range of 300 to 850 when they have a file on me and rating in the past i am a social security card holder and XXXX  years of age

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 2021-09-04
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
i have not used credit and the 3 agencies give me no score when an iquiry comes in discriminatingly against me rating me out of the normal rating range of 300 to 850 when they have a file on me and rating in the past i am a social security card holder and XXXX  years of age

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-10-22
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AWA Collections representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Credit Technologies, 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: Account status incorrect

Complaint:
Several Items reporting inaccurately. 
XXXX XXXX  account paid as agreed XXXX  XXXX paid as agreed SBA paid as agreed XXXX XXXX XXXX exceed the 7 year reporting XXXX  exceed 7 year reporting XXXX XXXX exceed 7 years XXXX XXXX exceed XXXX XXXX XXXX exceed 7XXXX account exceed XXXX XXXX  Appliance exceed XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Early Warning Services, LLC
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been a victim of identity theft and i have been trying t obtain my report with you all. I recently applied for a XXXX account and there was a denial. I have never defaulted on a bank account and someone have opened accounts in my name. I need you to take this fraudulent accounts out of my name and I am not responsible for someone elses crime and stealing my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
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: Information belongs to someone else

Complaint:
I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT THAT DO NOT BELONG TO ME. ADVISED THE BUREAUS AND CREDITORS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a fraud alert placed on my credit report at all three credit bureaus. I called all three companies to have it removed, as " I did not initiate the alert ''. After two days of speaking with multipul representatives. I still am no closer to a reasonable resolution. Experian directed me to their website to upload my drivers license and a utilities bill to verify my identity which is great as it is hard to get around. SURPRICE!!!!! the website does not work. Experian claims they recieved the alert from XXXX, who claims XXXX   initiated the fraud alert back on XX/XX/2019 When I inquired as to how these fraud alerts were initiated I was told only I personally could intiate the alert. SURPRICE!!!!!! 
" I did not intiate the alert! ", Hmmm?, I must be sleep walking. I keep my credit reports locked unless I am apply for something. this whole thing seems like a scheme to get you to buy one of their credit monitoring packages. whatever help you can offer is appriciated.

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 2018-06-11
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My house was listed last XX/XX/XXXX, but I have made multiple attempts at loss mitigation. We finally got a buyer in and Ditech told us the offer was too low. We put it back on the market and got an offer that met what they wanted and then they issued approval. We were so happy. The buyers are a young couple that had to get a loan. Their lender 's lawyer said they needed until XX/XX/XXXX to close. Ditech only gave them until XX/XX/XXXX to close and then set an auction for XX/XX/XXXX. I can not go through all of this for them only to foreclose right before the buyer is ready. There was no reason for them to set this auction RIGHT before the buyer was able to close. We have short sale approval and the buyers are at the mercy of their lender and they are working diligently to close.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Ive had the JC Penney credit card for several years before they closed my account. Four years ago I lost my full-time job so I was struggling with keeping up with payments. Up to this point I didnt have any problem paying the bills on time. 

Ive contacted the company several times during my financial hardship and kept on stressing that I do not want the account closed, but that I would pay off whatever was on it ; there wasnt a lot. I told them I would keep sending money in, and not use the card, until it was paid in full. Consumers are always told to stay in touch with the creditor, and I did. They kept on assuring me that I was doing the right thing by staying in contact with them, sending in payments even if it didnt cover the monthly amount, and that my card would not be cancelled. 

A few months after I had gotten my balance down to XXXX, and paid off everything ( even the late fees, etc. ), they send me a letter that they cancelled my card. My credit score was climbing back up, and I get hit with this! They gave me the form letter about my credit report saying that I have too many derogatories and too many accounts past due. Now my credit score has gone down because of the nonsense these companies are allowed to create. 

They lied, their business practices do not keep the consumer in mind, and something should be done to them!

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 2021-09-09
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: Personal information incorrect

Complaint:
i have written experian over a year on something as simple as eliminating addresses in my file, that are not related to me. i a m a XXXX XXXX and when they pull my credit it looks like im hiding something, or lieing to the dept. why is something so simple a XXXX time consuming project. who are these people with all this power over our lives, we cant do anything about

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 2021-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Bank of America made a mistake applying my mortgage payment for the month of XXXX then reported a 30 day late payment to my credit history that was NOT my fault. My numerous attempts to get ahold of the bank and to request them to correct their own mistake went ignored and all letters and call were unanswered ...

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 2018-03-13
Company: U.S. BANCORP
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is not even late until XX/XX/XXXX. Today on XX/XX/XXXX, I received 3 calls from their auto dialer from mortgage collections. I set up my bill pay for XX/XX/XXXX, but it's probably delayed because of the weekend. Constant calling from an auto dialer before my payment is even late is abusive and violates fair debt collections practices.

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 2018-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I received a copy of my TransUnion credit report dated XXXX XXXX, 2018 and discovered a fraudulent hard inquiry from " XXXX  '' dated XXXX, 2018 which I never authorized. I do not currently have service nor have I applied for new service with XXXX. 

I contacted XXXX via phone numerous times and also sent them a letter via certified mail requesting them to remove the unauthorized inquiry from my credit report or provide proof of authorization, neither has been done to date. 

I have also sent multiple request to TransUnion via both phone conversation and fax concerning this fraudulent inquiry on my credit report and nothing has been done. I just keep getting the run around. 

As a precaution I placed a 90 day fraud alert on my credit with all three credit agencies in case this has been a case of identity theft. 

Can you please help me with this matter

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 2021-09-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX  XXXX XXXX made a mistake applying my mortgage payment for the month of XXXX then reported a 30 day late payment to my credit history that was NOT my fault. My numerous attempts to get ahold of the bank and to request them to correct their own mistake went ignored and all letters and call were unanswered ...

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 2019-02-06
Company: EQUIFAX, INC.
State: UT
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: TRANSUNION INTERMEDIATE 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:
Transunion is knowingly reporting incorrect information on my credit report. I have sent in verification that XXXX XXXX XXXX , XXXX  is deliberately reporting false information. XX/XX/2021 listed as 149 days late, this is inaccurate As of XX/XX/2021 this account is 321 days past due. 
This account has been listed as 149 late since XXXX of 2021 all months are inaccurate This account is more than 149 day late. 
The last payment was on XX/XX/2021 Please delete and block this inaccurate information from reporting on to my credit report. 
I have attached a last due notice statement from 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