BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-19
Company: JPMORGAN CHASE & CO.
State: NV
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:
A company with the name XXXX XXXX XXXX XXXX , XXXX got a BUSINESS credit card from Chase in XXXX, for which I signed a personal guarantee. 

The company could not afford to pay the card any longer so I would have to pay the dues. 
I send a letter asking regarding this matter on XX/XX/XXXX to Chase and got a respond XX/XX/XXXX!! About six to seven weeks later!! That is an error on the side of Chase!! 

Obviously i stopped paying the dues at that time since I did not know if I would be liable or not. 

In XXXX, Chase went to the credit bureaus and reported, one sided, that this account ending in XXXX was past due and now closed. This without any contact with me. My credit score dropped 150 points!! My payment record history is excellent. 

This case went on, after many phone calls and letters to the executive office of Chase in Ohio to no avail in XX/XX/XXXX. Till today, XX/XX/XXXX case is not resolved. 

My request to Chase is simple : Write a goodwill adjustment letter, send it to the credit bureau and i will not only pay the overdue portion, i will pay the card off in full in one shot {$24000.00}. The money is in my bank account at another bank so i have no problem to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX, received a direct mail offer to open an account, make a direct deposit to checking account and XXXX for 90 days into a savings account to receive a {$600.00} bonus. Upon attempting to open the account online on XX/XX/2022, the appropriate application did not generate despite submitting the one-time promo code applicable to the {$600.00} bonus. I tried to have the application page display properly by trying multiple browsers. Future attempts to open the account using the promo code yielded an error message saying it had already been redeemed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2018 I sent certified letters to XXXX XXXX  for two accounts that appeared on my credit file stating charge off. I have a son that bears the same name as I. I requested XXXX XXXX  to send me proof of my ownership of the account bearing my signature. Up to this date XX/XX/2018 XXXX XXXX has not sent anything. I then disputed the accounts with Expierian and XXXX and they continue to verify the accounts on my credit file. The bureaus stated their Method of verification was automated and not directly through the agency. How can this be? XXXX XXXX cant verify.

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 2022-08-05
Company: WELLS FARGO & COMPANY
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Was threatened to be reported to XXXX for a very old Wells Fargo account- said they had communicated by mail previously and must have been overlooked by me. Very immediate response required for an acct that is extremely dated - Phone calls from nbrs suspected in scam calls - letter sent from an address that doesnt pull up in XXXX XXXX in Delaware XXXX It seems there have been many complaints about similar communication.

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 2022-11-07
Company: EQUIFAX, INC.
State: TN
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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: CREDIT ACCEPTANCE CORPORATION
State: CT
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 have recently decided to start looking into my credit score, I had it ran, saw the auto loan was on my credit and needed it removed. I sent Credit Acceptance corp a request for information on the loan on XX/XX/XXXX, it was received via certified mail XX/XX/XXXX. On XX/XX/XXXX, also via certified mail, they received a request to remove the claim on my credit. As of XX/XX/XXXX, I haven't received any response from credit acceptance,

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 2022-12-20
Company: Aequitas Capital Opportunities Fund, LP
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in the XXXX  of XXXX XXXX XXXX on XXXX XXXX, XXXXThe intake person asked for my credit card right away. She said there was {$100.00} copay and I said OK. On XXXX XXXX, I received an invoice for {$100.00}. I called the XXXX and spoke to XXXX. I told her about my visit and she said in Florida, Doctors bill separately. I then called my Insurer, XXXX  XXXX XXXX, spoke to XXXX on XX/XX/XXXX, and he said I don't owe anything. I called back XXXX on XX/XX/XXXX and told her this story. She said she would call back XXXX  XXXX. I heard nothing after that until, XX/XX/XXXX when I got an invoice from Care Payment, which is a collection agency for XXXX XXXX. I called them back and they said I should call XXXX. I called, spoke to XXXX XX/XX/XXXX, and she said I should show a copy of my credit card statement. I said I had a few credit cards at that time and they were hacked, shortly after the XXXX XXXX. I said I can't get information on the closed accounts. I asked why they waited almost one year to send me an invoice, and they just apologized.. 
This company, Care Payment is really a collection agency, read comments about them : XXXX XXXX XXXX, MI They are a predatory collection company. I have paid in full and still receive monthly XXXX fees increased each month. I have never asked for their services and would not recommend them to anyone. 


I'm sick and tired of receiving fake hospital bills from these XXXX. They are frauds and need to be dealt with by state and federal regulators. 
XXXX XXXX XXXX, NY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
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: Public record information inaccurate

Complaint:
I have sent several certified letters to Transunion, XXXX, XXXX and XXXX multiple times starting XX/XX/2018 to XX/XX/2018 asking them to verify the Chapter XXXX Bankruptcy information in my credit reports. The response I get from them is a letter saying that they verified the Bankruptcy, or it was certified by the Bankruptcy Court, and that it is valid per a third party source. I sent another letter requesting documentation for accuracy, and I still get the same response saying it was verified. So, I sent a certified letter to the courts asking for information on them reporting to credit reporting agencies. I received a letter back from the Bankruptcy Court stating that they Do Not Report, or Verify any information to Credit Reporting Agencies. I then sent the letter I received from the Bankruptcy Court to Transunion, XXXX, XXXX   and XXXX, and they still comes back with the same response, that it was verified. So, if the court did not verify or report the information it should not be reporting on 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 2020-12-06
Company: AMERICAN EXPRESS COMPANY
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A dispute was initially filed on a {$330.00} purchase made on XX/XX/XXXX. We placed a dispute on the amount on on card on XX/XX/XXXX when statement was received by email on XXXX from AMEX.. AMEX opened up an investigation on the dispute. On XX/XX/XXXX by US Mail AMEX indicated the charge was made by telephone and only sent us a Credit Sale printout with no details on the purchase. We do not know how they got our zip codes, XXXX codes and 4 digit codes off the card. AMEX reinstated the purchase made on our account and is expecting payment on this amount. I Have asked AMEX on todays date XX/XX/XXXX to reopen the investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-07
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During my bankruptcy, I try to modify my loan. Ocwen agreed to do so. I did my trail payments successfully and then signed the agreement letter. During this time suddenly Ocwen refuse to do the modification. on XX/XX/2015 they sent me a letter saying that Bankruptcy court denied approving the modification. Since that time Ocwen did not provide me the letter from Bankruptcy court saying about this denial. I would like to have that letter. Ocwen also did not maintain the interest rate they suppose to charge me. 
I have an email which I sent to Ocwen in some detail, I am going to send to you for your kind information and consideration. Please help me. 

thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am making a complaint due to improper sales practices by Santander Bank. I created this account specifically to warn anyone thinking of banking with Santander to run AS FAR AWAY from this bank as you can, specifically if you receive wire transfers.

I opened up an account specifically because on the Santander website, it stated that " Recipient saves money as the incoming wire in foreign currency has no fee ''. 


Proof : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted a customer service rep just to be sure, and they told me there would be no fee assessed if the funds are incoming in a foreign currency. I also asked if there would be an intermediary bank used to assess the foreign currency ( since my company prohibits this ), and she said since Santander was a large enough bank, it would be processed directly by them. I thought to myself " Perfect! I can use this as my bank account to receive money while I teach online. Then, I go to the branch itself to open up the account, and SURPRISE! The rep said there would be a {$13.00} fee assessed, and that Santander uses and intermediary bank. She calls a service rep to confirm, and he sided with her. I call another service rep, and they say that no fee is assessed. She even wrote on my account that no fee should be assessed for the incoming wire transfers in foreign currency. I asked for this in writing, and this is when they began dodging my calls. I even had a rep hang up on me. 


Four more phone calls to 3 different service reps, 3 different departments, and 4 hours in total on hold later, the service rep replies " I really don't know. Is there anything else I can assist you with? '' I asked to speak with a manager, who said " We charge a fee. '' Me : " So the website is incorrect? '' Manager : " Well, presently, we need to update the information on the website to better reflect ... '' Me : " So the website is incorrect? '' Manager : " Yes '' And hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 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 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: FL
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, XXXX XXXX, am writing to complain about wrong information on my credit report. Following addresses are inaccurate and not my current or current address. 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 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 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. PLEASE DELETE AND REMOVE ALL INACCURATE INFORMATION 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 2023-10-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: TN
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. 

Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any 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 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 2018-02-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a dispute for debt, this is a request to remove a name that does not belong to 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 2017-12-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently tried to dispute and bogus collection account that has popped up on my Transunion credit report. The account name is XXXX which I have no knowledge of this account, no affiliation, did not give my authorization to use my personal information, and the only conclusion is this may be from and workers comp case from last year. If so I am not liable for this account or payment they need contact employer and worker comp insurance. I have tried repeatedly to dispute account online like told by phone reps but every time you try to dispute account and click continue button to send dispute online it is deactivated for adverse accounts. I have noticed that if I select a good account and click button it will continue but if you select an adverse account it will not let you continue process. I 'm sure this is one of these tactics to keeps consumers from disputing inaccurate 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 2023-10-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with non-monetary relief