BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
Company: AMERICAN EXPRESS COMPANY
State: LA
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:
Hello, I applied for a Credit Card with American Express in XX/XX/XXXX. At the time when I applied for the card, I didn't realize I was applying for a charge card that had to be paid off every billing cycle ( end of month ). I used the card for almost 2 years, never missed a payment, and always paid the balance in full - unless I had made prior arrangements with AMEX since they offered to extend the payment deadlines with no penalty stating it was a courtesy feature for charge amounts over {$100.00}, but I will have to pay interest on the balance and there will a minimum amount due also. 

In XX/XX/XXXX, I called AMEX and informed them I won't be able to make my XXXX payment by due date but I will make two payments in XXXX and then call them sometime in XXXX or XXXX and pay the balance and they told me that that would be alright. So as planned and discussed with AMEX, I made two payments back to back in XXXX, missed my XXXX Payment and called AMEX in the first week of XXXX to make a minimum payment and discuss payment date for the remainder of the balance. 

Everything seemed to be going as planned so I made two more payments in XXXX to pay the balance in full. In XX/XX/XXXX, I noticed they had marked my account as 30 days past due for XX/XX/XXXX so I called them and asked why they were doing that when I had made prior arrangements to make those payments when I could and the person I spoke with told me they didnt have any notes whatsoever in their system stating anything about the payment arrangements I had made with them. I tried for a few months to have that negative reporting from my account but it didnt help. I even opened a dispute with all three credit bureaus and even provided them with proof of payments but they didnt do anything about it. Ive attached a list of payments that I had saved from the AMEX website showing the amount and dates of payments before I closed my account. 

Honestly, this isnt just about having negative reporting removed from my credit file, especially for an account that Ive paid off and closed already. For me this is about doing the right thing, sticking with promises, and honoring the arrangements that were made in advance. Im hoping you will help me with this issue and take whatever steps necessary so that AMEX doesnt do this to anyone else. 

I appreciate your time and effort on reviewing my case, and thank you for your understanding and cooperation in this matter. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: NC
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX XXXXXXXX, 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 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 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish wny information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: SC
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'm filing a complaint regarding this account XXXX XXXX XXXX, Account # XXXX XXXX to Experian, XXXX & XXXX XXXX XXXX have already received a response from XXXX XXXX XXXX XXXX XXXX dated XX/XX/2022, in response to my Dispute letter to Validate the alleged debt I owe to them. They confirmed that they had already closed the file and terminated the collection action to an account stated above.

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 2017-12-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase bank ( JP Morgan ) is the bank i am filling this complaint against. 

On XXXX XXXX, XXXX, I did a quick pay transaction to XXXX via XXXX in the amount of {$1700.00}. the money was intended to pay for a car XXXX posted on XXXX for sale. After purchasing the car with {$1700.00} the paper work for the car XXXX gave me, i.e., a Marshal 's Certificate of Sale of a Motor Vehicle, to register the car was denied by Motor Vehicle ( DMV ). I started calling XXXX to get my money back since i could not register the car, since the chain of title was not proper. i called for more than 24hours, but he never picked up. Then i called Chase bank to report a fraudulent transaction. Chase then froze XXXX XXXX account. XXXX called me back immediately asking me why i called the bank to dispute the {$1700.00}. I let him know it was because he sold a car with deficient documentation. About 3 days later Chase bank credited my account with the {$1700.00}. XXXX text me saying since the money was returned to me by chase, he wanted to come picked up the car from my garage. i agreed. XXXX came and pick up the car. After XXXX picked up the car i called chase bank 's claim department to let them know XXXX XXXX picked up the car. I told XXXX the transaction with XXXX was over. XXXX said since i got my money back, was there any reason to continue the investigation. i said no, then they said i should put it in writing and fax it to them through any of there Chase Branch, then they gave me access to my account which has the {$1700.00}. 


On Tuesday, XXXX XXXX, XXXX, Chase bank reversed the {$1700.00} back to XXXX XXXX. When i questioned Chase bank about the reversal of funds, Chase said they did that because they determined the transaction was not fraudulent.I called XXXX on Tuesday, he did n't pick up my calls. When i called him from a different number, he answered the phone, but once he knew it was me he hung up the phone. i disputed the reversal of funds ( {$1700.00} ) with chase bank, but Chase refuses to restore the {$1700.00} to my account. i did not receive any notice from Chase that it was going to reverse the funds. attached are the text messages that shows XXXX took his car back when Chase bank initially credited my account. 


Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: TX
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 pulled my credit a few months ago I noticed that there was inaccurate information on my Equifax report. I have reached out to them multiple times to get an investigation done and they failed to conduct one. They never provided results to me and they still have not responded to my letter on XX/XX/2022 where I provided them with more information. The FCRA states that they have 30 days to respond and they did not. They continue to report inaccuracies after being notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Eagle Financial Services, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I am very disappointed in the way that this company handles their business. I had applied for a loan and was denied. however, I didn't wish to share my denial with everyone. Please see attached the letter that was sent to me by the company letting everyone know I applied for xx amount and was denied. This was a private matter and should have been kept confidential.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Consumer Adjustment Company Incorporated
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I live in XXXX this company isnt licensed in my state the company name is Consumer Adjustment, phone number for XXXX XXXXXXXX press 2. They are not licensed in my state plus the statue of limitations is up

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

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 2023-01-13
Company: CAINE & WEINER COMPANY, INC.
State: KY
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:
My credit report had now been severely damaged due to false claims of money owed to a wireless company and a utility company being added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Pacific Union Financial, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The loan originator for our home ( purchased in XXXX XXXX ) did not include wind and hail insurance in our closing costs. Neither the lender nor the closing attorney brought to our attention that it was required. The loan was sold to Pacific Union in XXXX XXXX. In a letter dated XXXX XXXX, XXXX, Pacific Union informed us that we would have to purchase wind and hail insurance in addition to the hazard insurance we already held on the property. By XXXX XXXX, we had cancelled our previously existing policy and purchased a new homeowner 's policy that included wind and hail coverage. We were informed both verbally and in writing by customer service representatives and the XXXX XXXX XXXX himself ( XXXX XXXX ) that we would not be responsible for any lender placed coverage between XXXX XXXX and XXXX XXXX. Fast forward to XXXX XXXX and we were informed that our monthly escrow payments would be increasing beginning XXXX XXXX. This was expected as the new homeowner 's policy, inclusive of wind and hail, is more expensive than the original policy and the taxes increased slightly. However, the disclosure statement sent to us lists a disbursement described as " ADDITIONAL '' in the amount of {$720.00} paid in XXXX of XXXX. This payment was withdrawn from our escrow account ( causing it to go negative ) for payment of lender placed insurance that we were previously informed we would not be responsible for. Since receiving the escrow account disclosure statement, we have attempted to have the {$720.00} refunded to the account to no avail ; even with continued assurances from Pacific Union representatives that we are not responsible for that lender placed coverage. We have continued to make our payments on time even though they are much greater than needed to account for the increased insurance premium and taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: SC
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 mailed out dispute to XXXX, XXXX  and Experian about my name being incorrect on my report and wrong mailing addresses on my account more than 30 days ago. I included my License, Social Security and even a recent bill for verification.

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 2020-04-13
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2019-06-18
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with Wells Fargo for several years. I was approved for an unemployment program, and at the end of the unemployment program ended a few months ago, and Wells Fargo says the only option I have to save my home is to pay the loan current. How is this even possible? If I had the funds to bring the loan current, then I wouldn't have been late in the first place. I don't believe Wells Fargo has any intention of helping me, are jerking me around, and just lying to me. I'm supposed to have a " designated '' contact, however, they are never available and I'm always speaking with someone different. and every time I speak with someone different, I get different answers. Furthermore, they ask for a lot of information, which I provide very quickly. However, they keep losing my documentation, and keeps asking for the same stuff over and over again. Last, they claim that my financials don't qualify for additional help. However, they are basing my income off of the WRONG information. I keep trying to get them to correct it, but they REFUSE to help me. I appealed their decision, and the next day they sent me a letter denying my appeal. How does it take them several months to review something, and only 24 hours to deny an appeal!? They're telling me that my only options is to get foreclosed on, or sale my home.

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 2020-12-05
Company: Capio Partners, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company put a collection on my credit report which has already been removed and has a police report attached to it for the result of identity theft. This company is claiming I owe a amount of {$310.00}. This company is not the originator of the proclaimed debt. By law this debt collector is breaking the law by attempting to collect a debt that they did not originate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: NY
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 is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
TD Bank is a new bank for me, and they gave me 4 checks that I could use, first I tried XXXX XXXX XXXX and they said the check was no good then I tried XXXX   gift store and they said the check was no good, why is TD bank giving out bad checks. This has been most embarrassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 JP Morgan Chase Bank closes my account because they say I got a deposit that was a business loan and my account wasnt a business account so they close my account and took all of my funds I had in my account. I cant even pay any of my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hi, Thanks for your help! 
Today I called Navient. I have Federally backed loans that were originally from XXXX and XXXX XXXX. 
Navient told me that I don't qualify for the Covid pause because my loan was private. I didn't have any private loans, they were all Federally guaranteed student loans. Navient purchased them from XXXX. I never consolidated. 
Today, I believe they misinformed me about the Covid pause and the income based repayment plan. They told me that I would have to pay two thirds of my monthly salary if I entered repayment. 
They strong armed me into forebearance. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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: Their investigation did not fix an error on your report

Complaint:
I'm " XXXX XXXX, '' and I am glad if you put some margin to CORRECT a portion of the data in my credit document. As I saw my credit file i am so disappointed that there are still a few records that required to update. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. The following accounts needs to be corrected immediately : XXXX XXXX Balance {$3400.00} ; XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$3400.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$410.00} ; CXXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$3400.00}. 


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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-09
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: Information belongs to someone else

Complaint:
I have been a victim of fraudulent activity on my credit. I have a identity theft report FTC # XXXX. Your company Experian only blocked one account which was XXXX XXXX. Please review report for all cases involved. I have a XXXX XXXX Account # XXXX. This account must be removed and or blocked from my credit profile immediately.

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 2019-06-18
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls. 
4 calls without voicemail on XX/XX/19 6 calls without voicemail on XX/XX/19 2 calls without voicemail on XX/XX/19 1 call without voicemail on XX/XX/19 5 calls without voicemail on XX/XX/19 3 calls without voicemail on XX/XX/19 all calls begin at almost exactly XXXX, and end at XXXX. 

This is only the calls from the most recent number. I have blocked multiple numbers from them for about 5 months.

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