BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-13
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: Account status incorrect

Complaint:
XXXX XXXX XXXX has been submitting false information about one or two cooperative loan accounts depicting that I am late now 120 days. Both these accounts have been paid off in XX/XX/XXXX and XX/XX/XXXX in full. XXXX has a dispute that they believe I owe them money because they paid money to the cooperative that I factually informed them that I did not owe, and the money they paid them the payment states for hazard insurance in XX/XX/XXXX. I informed them in XX/XX/XXXX that I did not owe the cooperative any money, and XXXX stated in XX/XX/XXXX that they would not get ( see attachment ) involved with any dispute between myself and the cooperative as the money alleged by the cooperative to be owing at the time was more than what was owed to XXXX. Furthermore one of the loans was paid off in XX/XX/XXXX ( see XXXX 1098 issued by XXXX -attachment ). Furthermore, I continued to pay both loans ( which is not clear which one if not both are on the credit report as one is depicted as current but still open and the other one is  depicted as 120 days late with the same account number Account # XXXX ) The account with the XX/XX/XXXX open date is the one depicted as late ( Original Balance {$14000.00} with a Balance {$50000.00} ) however both should be closed. I never entered into an agreement to extend additional credit beyond the {$14000.00} owed on the original loan and XXXX has no right to extend such or charge such additional money to the account. I never received notification for what the {$50000.00} is for either. They further have changed my address to a XXXX address which is in fact the address of their attorneys XXXX XXXX further deteriorating my credit. Based upon information and belief it is also where they have been sending all my correspondence, as I have received no correspondence from them since XX/XX/XXXX. Furthermore all payments to both accounts were made monthly with one check and there can be no way that payments were not applied to both accounts simultaneously other than that XXXX has been splitting up my payments and giving them to XXXX XXXX XXXX which has no authority to receive or accept my payments. See attachments of checks negotiated by XXXX XXXX but sent to XXXX. I already checked with XXXX and they stated that XXXX XXXX is not the owner of the loan as they initially stated but rather that XXXX XXXX actually is pursuant to a service agreement ( which I never have seen )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX a wire was paid into my Chase Checking account for {$70000.00}. for goods and services sold to a client.

Around XX/XX/XXXX or so, I was not allowed to withdraw money from my account because Chase Bank said that the person who sent the wire had recalled the funds.

I subsequently spoke to the client and explained the situation and she agreed to be refunded {$40000.00} since {$30000.00} had already been sent out to pay for the goods she had received.

Around XX/XX/XXXX, I verbally authorized Chase bank - ( the conversation was recorded by Chase ) to refund only {$40000.00} to the client.

Instead of following my simple instructions Chase closed my account on XX/XX/XXXX and told me that I would not get a check.

My client did not get her {$40000.00}. and I did not receive a check. Where is my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
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: Their investigation did not fix an error on your report

Complaint:
I sent a dispute to equifax for XXXX. THis account has a a XXXX balance for 1 year and it still shows XXXX balance. 

Equifax came back and updated the account to 120 days late. How can a account that has a XXXX balance be 120 days late as of XXXX 2017. 

I have attaced XXXX credit reports showing this acconut has maintained a XXXX balance and it needs to be corrected showing current and removal of 120 days attached is current and previous credit reports showing XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX has been submitting false information about one or two cooperative loan accounts depicting that I am late now 120 days. Both these accounts have been paid off in XXXX and XX/XX/XXXX in full. XXXX has a dispute that they believe I owe them money because they paid money to the cooperative that I factually informed them that I did not owe, and the money they paid them the payment states for hazard insurance in XXXX. I informed them in XX/XX/XXXX that I did not owe the cooperative any money, and XXXX stated in XX/XX/XXXX that they would not get ( see  attachment ) involved with any dispute between myself and the cooperative as the money alleged by the cooperative to be owing at the time was more than what was owed to XXXX. Furthermore one of the loans was paid off in XXXX ( see XXXX XXXX issued by XXXX -attachment ). Furthermore, I continued to pay both loans ( which is not clear which one if not both are on the credit report as one is depicted as current but still open and the other one is depicted as 120 days late with the same account number Account # XXXX ) The account with the XX/XX/XXXX open date is the one depicted as late ( Original Balance {$14000.00} with a Balance {$50000.00} ) however both should be closed. I never entered into an agreement to extend additional credit beyond the {$14000.00} owed on the original loan and XXXX has no right to extend such or charge such additional money to the account. I never received notification for what the {$50000.00} is for either. They further have changed my address to a XXXX address which is in fact the address of their attorneys XXXX XXXX further deteriorating my credit. Based upon information and belief it is also where they have been sending all my correspondence, as I have received no correspondence from them since XX/XX/XXXX. Furthermore all payments to both accounts were made monthly with one check and there can be no way that payments were not applied to both accounts simultaneously other than that XXXX has been splitting up my payments and giving them to XXXX XXXX bank which has no authority to receive or accept my payments. See attachments of checks negotiated by XXXX XXXX but sent to XXXX. I already checked with XXXX and they stated that XXXX XXXX is not the owner of the loan as they initially stated but rather that XXXX XXXX actually is pursuant to a service agreement ( which I never have seen )

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 2018-10-12
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
I never made a late payment on this account, please correct

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 2019-02-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a loan with XXXX XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, Equifax and XXXX credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and XXXX XXXX XXXX  XXXX with no successful resolution. XXXX, Equifax, and XXXX are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late five times, and I was never 60 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a loan with XXXX  XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX  when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, XXXX  and TransUnion credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX  and XXXX XXXX XXXX  XXXX with no successful resolution. XXXX, XXXX, and TransUnion are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late five times, and I was never 60 days late.

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 2020-05-07
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On Monday XX/XX/XXXX, a second pass of dispute letters were sent out to all 3 credit bureaus to dispute an account. The account is ALLYFINANC. Has been reporting for some time now and needs to be removed.

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 2019-08-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX a sofa, love seat, table and chairs and was never delivered. Debit card charged {$2400.00}. Bank says Visa denied claim, we have no furniture and no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: EQUIFAX, INC.
State: AL
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:
On the following dates letters were drafted and sent via Certified Mail to the major credit bureau Equifax, in efforts to dispute inaccuracy in account information reported ; XX/XX/2018, XX/XX/2018. 

Credit accounts disputed XXXX Late payment ( s ) disputed XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Midwest Recovery Systems
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:
Yet again, this company has popped up on my credit report! I am a victim of identity theft and all three CRAs have this listed on my report. XXXX has added yet another fraudulent trade to my file entitled " VIP CASH '' I never had any contract with XXXX or this so called VIP CASH company. I never received any VALIDATION paperwork to my address that shows my signature on any contract. This fraud trade needs to be removed ASAP. And XXXX needs to stop infringing on my rights as covered under the FCRA!! I will pursue legal action if this is not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

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 explanation
Consumer complaint received 2018-10-12
Company: Diversified Consultants, Inc.
State: CT
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:
I sent a letter to diversified consultants to dispute a debt that they claimed that I owe them. They sent me back a bill with my name on it from XXXX. This bill had my name on it but no proof of signature. I asked them to verify that the bill was mine and the company didn't respond. They were given their 30 day grace period to mark the collections account as disputed, which they failed to do. The company had also dropped off of my credit report and returned back on without any validation of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had two negative debits in 2016 while going though a divorce. I paid both with settlement offers. One debit for XXXX XXXX bank act # XXXX original amout owed {$3700.00} gave me a 1099 for the amount not paid in the settlement which was claimed on my taxes as income earned. I also had a XXXX XXXX debit act ending in # XXXX original amount owed {$2300.00} settled with a collection agency Professional Bureau of Collections of Maryland , Inc . 
Now a company called XXXX XXXX XXXX. XXXX shows both as negative on my credit. I have reached out to them with proof of payments either with the 1099 and with the letter from Professional Bureau of Collections of MD Inc with the settlement offer, cleared check and letter from them stating that the debit was settled per agreement and closed. 
XXXX XXXX responds that they will not remove these from my credit and they want to make payment arrangements with them. I would like these removed from my credit since I paid them in 2016 in agreements with other companies. I can submit proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have a couple prepaid visa gift cards that were purchased at Kroger.  The website on the card XXXX has been down for weeks. It allows you to enter all of your information and then loops back to the log in. I'm not able to register a couple of my cards, and then the others I can only find the balance by phone. I can't look at the history to see if everything is accurate. The site worked a month ago, I was able to log in and get history, etc. The customer service # XXXX doesn't answer, no matter what time of day or night you call and that's the number to report a lost or stolen card too! This is so FRUSTRATING. What can i do? The site should at least post a notice telling consumers that it's down and when it's expected to be up and running. Why isn't anyone being held responsible for this?

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 2020-05-06
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ERC - Enhanced Recovery Collection company is attempting to collect a XXXX cell phone bill from 2012. Collector will not remove debt from my credit report and keep reporting debt as a new debt. I have disputed with XXXX multiple times, 3 times. Please assist with resolution. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
I had an unauthorized purchase for {$1700.00} on my AMEX credit card to XXXX which is a online furniture store on XX/XX/XXXX. This transaction was clearly fraud and as of today AMEX has not given me a credit back on my account. I received a transaction alert on XX/XX/XXXX around XXXX. When I saw the alert I immediately contacted AMEX and reported the fraudulent transaction. Advised them that I still had possession of my card but someone used it for an online purchase. They canceled my card and issued a new one and said the amount would be reversed. About a week later I had a credit on my account for the {$1700.00}. After two weeks of the credit sitting on my account with no offsetting debit I contacted AMEX to inquire about the offsetting debit to clear up my account. Their employee noted the account that I authorized the transaction and they charged my account twice. One to clear the credited amount and another one that put the balance back on my account. I contacted AMEX again on XX/XX/XXXX, again XX/XX/XXXX, again XX/XX/XXXX and again XX/XX/XXXX to get the transaction off of my account. They keep giving me the run around that they file a fraud case but every time I follow up they tell me the fraud case was closed but no credit processed to my account. In the meantime they are reporting this balance to the credit bureau and it dropped my score 10 points because it shows a balance against the total credit limit. We are applying for a mortgage loan and we have excellent credit but because of the score it is having an impact. AMEX is violating the Fair Debt Billing Act. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-04
Company: Equitable Acceptance Corp
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I reached out to equitable acceptance corporation and they let me know they could help me get me student loans consolidated and forgiven. They did not indicate I did not qualify for a forgiveness plan or tell me they were going to be charging me {$49.00} a month for a service that was not helpful. This is a deceptive practice and one that I see many other people have filed complaints for. This company is deceptive and giving wrong information by praying on people 's desire for student loan relief. I do not trust them and I want to have any contract they state I have revoked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Lending Club Corp
State: SD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
The lending club loan was taken out in XX/XX/XXXX by my wife. The amount was XXXX they gave us a check for XXXX We have refinanced our house and LDS escrow. Of XXXX XXXX Paid XXXX XXXX XXXX dollars on XX/XX/XXXX. We had automatic payments taken out to pay for the loan, we had been late in XX/XX/XXXX as we thought the escrow would have paid it but did not pay it until XX/XX/XXXX, thus we were also late in XX/XX/XXXX. When lending club got paid and was paid off years early we still had a balance left, according to them, and they canceled the automatic payments. XXXX stated that.payments, which made us late again. The balance left was XXXX, but had to pay XXXX. XXXX was the person from lending club and would not say his last name. Phone call was done today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account at Conn 's for my mom, was researched by a Conn 's credit manager, XXXX on XX/XX/2017. She verified that one sister purchased a computer and combined the purchase onto my mom 's account. This was done without my mom 's knowledge or authorization. At that time while my mom spoke with XXXX and asked how could she have them stop calling her for an unauthorized charge to her account. XXXX explained that if my mom provided a fax with her name, address and phone as well as the name and phone of the person who charged on her account. They would then stop calling and then pursue the correct person. 

For some time they stopped calling my mom. My mom passed away XX/XX/2018 a month before her XXXX birthday. Two months later my XXXX sister began receiving phone calls and I began receiving letters about paying this account. I asked to speak to the manager and explained what transpired in XX/XX/2017 with my mom and XXXX to no avail. The letters increased as well as the calls to my XXXX sister. Both of us are XXXX and grieving the loss of our mother and XXXX other close relatives the past 5 months.

Company response to consumer: Closed with non-monetary relief