BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
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:
To whom it May concern : Verifying my report with the XXXX  agency I noticed that there are accounts that do not belong to me affected my score and credit history with them, I have never had an account with XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, Bank of America XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. 

Also variations of names such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Variation of social insurance # XXXX that does not belong to me are reported. 

I wish only to report my correct address XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, P.R 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 2017-11-20
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:
On XX/XX/XXXX i deposited 3rd party checks in my account and forgot to have the payee endorses the check. On XX/XX/XXXX chase froze the account including funds from my paycheck and refused to allow me to witro any money from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: DISCOVER BANK
State: FL
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:
I had lost my Discover it card back in XX/XX/XXXX and had called Discover to replace it. I could not login into my account to check my payment status. I had called Discover customer service to resolve the issue, and they assured me I had automatic payment setup in XX/XX/XXXX, and also sent me out a new card. Later, when regaining access to my account I saw I had missed XX/XX/XXXX payment and immediately made it. I had called Discover and asked how come my payment was not taken out, and they said it reset itself after a new card was sent out. I was concerned about a 30 day late showing up on my credit reports, but they assured me I had the late payment forgiveness, and to check my credit reports and if it did show up to call them immediately and they would resolve it.

The 30 day late did show up all 3 credit bureau reports, and I had called Discover back to find out if they would honor their late payment forgiveness. They said the late payment forgiveness is only for late fees, and not for what they report to the credit bureaus. I felt this was misleading as nowhere when they advertised this product in XX/XX/XXXX when I had signed up about this being the case with the late payment forgiveness. I have an excellent record of zero late payments on my credit reports, and assured Discover this does not reflect my record of making on-time payments. I had requested a good will adjustment due to Discover advertising the late payment forgiveness, and in respect to the fact I have always had on-time payments hoping they would honor the request. Discover will not work with me in addressing the 30 day late on my 3 credit bureau reports, and that mistakes on their part regarding their representatives assuring me my auto payment was setup, and how they would resolve my issues with the reporting of the 30 day late to the credit bureaus were not their fault and is my responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19
Company: Consumer Portfolio Services, Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've given dates on when I will pay my debt and they continue to harass me with repeated phone calls. They don't care when you give them a date to pay because they will continue to harass you. Even when I've told them repeated that I would be making my payments through my bank 's bill payment system, they will still call you and harass you. I've also told them repeatedly that I do not want to opt for the payment help because they asked additional questions that I thought were not appropriate and yet they continue to call and push their unethical plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: EQUIFAX, INC.
State: GA
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:
On my EQUIFAX credit report I have XXXX hard inquiries, XXXX in which I do n't know anything about. I 'm really shocked to even see this much but it makes me mad For them to be on my report when I did n't even do it. I tried to get the problem resolved but obviously they do n't want to. 

XX/XX/XXXX-XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX  XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were waiting for about two years to sell my house to a client and the bank keeps on telling me to renew my personal documents. This is due to us having another bank that they both ask me to renew my documents and after long periods of them asking me and me giving them everything they asked for, they got mad for no reason and told me that they don't want it anymore because apparently I took too long to send the documents that I always sent on time and they are putting the house under foreclosure.

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 2016-09-22
Company: SYNCHRONY FINANCIAL
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was called on XX/XX/XXXX about a debt originally from my JC Penny credit card through GE Capital dating back to XX/XX/XXXX. When I asked about the Statute of Limitiations on this debt they said it was 7 years. I asked again and was told 5 years. This is not true, according to Kansas Statute KSA 60-512 the limit for action on credit card debt is 3 years. 
The debt collector also said that they were calling to help us avoid being sued for the debt with a trial on Thursday XX/XX/XXXX. I have never recieved a summons for this date. 
On XXXX/XXXX/XXXX the debt collector called again and did not believe me when I told them the statute of limitations is 3 years but said she was not familar with Kansas Law. Again they said they were calling to help us avoid a court date this time on Thursday XX/XX/XXXX, again i have never recieved a summons for this court date. During this call I asked them for their name, company, and street adress. They said their name was XXXX XXXX from XXXX XXXX XXXX but would not provide a street address, saying that they can not give the address due to terroristic threats. They did provide a fax number XXXX. 
Also they continue to use my maiden name even though this debt is from after my marraige. 
I have tried searching for thier information using the Company Name, XXXX XXXX XXXX, the fax number they provided and the phone number they called from. I have not been able to locate any information about this company and am therefore unable to make any written requests related to 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
Consumer complaint received 2015-05-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I have an Amazon.com Credit Card from Synchrony Bank. My payment was due by the XXXX of the month and I paid my bill online on the XXXX. As of today XXXX/XXXX/2015, I noticed my payment has not been posted yet and noticed that a Late Fee was charged to my account on the XXXX after I made the online payment yesterday. I called Synchrony Bank and asked WHY they are charging Late Fees on the exact same date as the due date and they said it 's just their company policy to do so and it should take up to XXXX hrs to process my payment and at that time, they can remove any late fees that were applied. I told them it 's not right to charge Late Fees on the exact same date as the Due Date and those fees should never be charged on the same date, but proper accounting practices should reflect late fees the day after the due date if payment is not received. I asked to speak to a supervisor who told me the same thing ... ( It 's their Policy ) and could not explain WHY they charge these fees on the same date as the due date. This is just a Class Action Law Suite waiting to happen. This is a Very Bad Policy and needs to be changed immediately. This can effect Finance Charges on these revolving consumer accounts and overcharge their customers in interest fees. Back Dating transaction and adding/removing fees is improper accounting and collection practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My chase account was billed for purchases I did not make on complaining they did not resolve them and still having to pay the amount for these purchases. There are still on my credit card statement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 3. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
16. Identity Theft XXXX Date opened XXXX XXXX, XXXX Account Number : XXXX Please remove it from 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 2021-08-06
Company: Kriya Capital, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX sold a phone and service representing it was XXXX two years ago. It was not XXXX. Numerous XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and other sources reported on this scam. In fact the XXXX XXXX XXXX XXXX  sold me was a XXXX phone that would not work on XXXX networks. 
I paid a monthly fee to be able to upgrade to new technology with XXXX monthly and was told this would mean I would receive a new phone every year for no additional charges. That also was a lie. This too is well documented on technology sites and magazines. 
I complained to XXXX. Nothing. I eventually terminated my XXXX  service and moved to XXXX that provided XXXX. I purchased another XXXX XXXX XXXX, costing {$1900.00} cash, again. I continued to advise XXXX  I disputed their claim for the price of the fraudulent spec phone. They would not accept a return of the phone. 
I received calls, repeatedly, from Credence Resource Management ( a collection agency ) on behalf of XXXX. I explained the dispute. Eventually, several months ago a supervisor there, XXXX XXXX, asked for a letter explaining my dispute, which I sent him. He then told me the negative report would be removed from my credit report. 
And it was for several months. 
Then it appeared again. When I talked to XXXX XXXX he said it was in error and he was looking into the problem. He subsequently said he was consulting with his " back office '' but that they had not responded to him about what to do. This has been going on for a number of weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01
Company: TRANSWORLD SYSTEMS INC
State: CO
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:
We have a collections on our credit report due to an eviction case that had been dismissed. although the case was dismissed and the attorneys for XXXX XXXX at XXXX ; agreed during mediation not to put anything on our credit reports. However they did and it has been difficult to find housing because of this collections on our credit report, and listed as " XXXX ''. We contacted NCC by email as they are the collection representatives for XXXX XXXX at XXXX. I have enclosed the emails to which I asked for itemized listing of debt, then attempt to settle the debt. I called XXXX XXXX XXXX ( XXXX ) to speak to a representative on XX/XX/XXXX as I was fighting identity theft. I contacted the XXXX office to get proof of residency and to discuss the debt. I left a voice message I never received a call back. enclosed are attachments that will give more detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I was paying my monthly payments on time and everytime. Today I received a letter from wells fargo that they have lowered my credit limit from {$7000.00} to {$5100.00}. Their decision has brought my account within near the maximum limit. Therefore it will further have a negative effect on my credit score. I deem their decision to be of a discriminative and unfair business practice. I am a XXXX year old XXXX senior citizen. I no longer work but i was trying my best to keep up the payments and keep the account in good standing unitl they decided to take this inhumane action. We have been and still are in the middle of a pandemic and they take advantage of the disadvanged. Wells fargo and so many other companies depend and control our lives solely on information obtained from the credit bureaus. Which most of the time is incorrect and false and not reliable information.

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 2019-10-01
Company: EQUIFAX, INC.
State: TN
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 had 2 PAID derogatory accounts on Equifax and XXXX from XXXX XXXX. I was told on multiple occasions that an e-oscar alert was submitted on XX/XX/19 to have the accounts deleted. Both were deleted from XXXX. One remains on Equifax with an original balance of {$1700.00}. Current balance is {$0.00}. I have submitted 2 online disputes with Equifax and both came back valid. When I call XXXX XXXX to give them this information, they just keep telling me to keep waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: GA
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:
I was examining my EQUIFAX credit report and noted a number of unenforceable/illegal collection agency trade lines from a company called XXXX. I've attached proof of date of delivery and the correspondence I sent EQUIFAX. 

-They never investigated the issue -They did not validate/verified anything -They did not respond within 30 days ; therefore, pursuant to the FCRA, ALL of these line items must be removed from my credit report. 

This situation violates both the FCRA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On the XX/XX/XXXX I tried to make a transaction for XXXX it did not go through on the merchant side but wells fargo processed the payment. The merchant and myself made a phone call to dispute the transaction. I was then told it would fall off in two or three days and if it did not they will credit my account. They credited my account like they said and I assumed everything was fine now. Well I get a letter today XX/XX/XXXX stating that the found the charges to be aild and they will take the XXXX they credited back. I have called and went around with these people and asked them to pull the tapes from that day. They say they cant do that and on top of it everything from the XX/XX/XXXX is now magaically gone. Nobody said this would a temporary credit pending investigation and I dont feel I should pay for there mistakes!!

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 2018-03-17
Company: EQUIFAX, INC.
State: FL
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:
i been communicated via letter, via phone with experience, i must send 10 letter and over 10 calls, which you get a XXXX, XXXX operators, never one here in teh us, disputing errors on my credit report, letter after they do nothing, they are fraudulent, hurting my changes of getting a home. I am a responsible citizen, that works pay her taxes and bills on time, this comapny intentionally is not reacting to my claims

Company response to consumer: Closed with explanation