BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Stated In 15 USC 1666d you are to pay the positive amount thats on the credit balance to the consumer ( Me ) the exact amount that your trying to unlawfully collect from me in my JPMCB credit card. Under the FDCPA you are invading my privacy by sharing negative information to the 3 bureaus. Under 15 USC 1692b ( 2 ) you are sharing this " debt '' information to other people thats not the consumer yet again another violation. YET AGAIN your trying to pull my report from the bureaus BECAUSE I want my credit limit higher which it states under 15 USC 1681a ( d ) ( 1 ) a consumer report is given orally and written so IM DEMANDING YOU to put my credit limit higher since im the original creditor so im extending you my credit so you can give me it back to my accepted credit card. I made this report a week ago and you sent XXXX to answer to me, she's done nothing and has not called me and when I try to call her it goes straight to voicemail. I find that to very useless find somebody else to do the right thing these matters will get worse if I dont get my remedy

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
Dear sir or madam, Im writing you in regards to a vehicle my wife and I punched from XXXX XXXX in XXXX ny on XX/XX/2016, we were under the understanding they ran our credit report and submitted it to there lenders for approval, instead they submitted applications to all there lenders and the all ran our credit I dont believe that we had given approval for them to do this, we are going to be looking to purchase a home, and when a lender spots all those hard inquires they are going to frown on that and it is going to hurt the interest rates they had run both our reports could you please help us Thank You!

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 2021-09-07
Company: BANCO POPULAR DE PUERTO RICO
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had my Popular Bank XXXX card since XX/XX/XXXX ( XX/XX/XXXX ). They charge an annual fee of {$59.00}. Recently, I was charged an annual fee of {$59.00} on XX/XX/XXXX ( XX/XX/XXXX ). I called in to cancel the card within 30 days to have the fee waived as I am undergoing hardships due to the coronavirus pandemic. The card was cancelled XX/XX/XXXX ( XX/XX/XXXX ). They said they'd have the fee refunded but never did and now I am being charged late fees for not paying the annual fee. I have spoken to no less than 3 agents since the first customer service agent and they all refuse to have my annual fee and the resulting fees waived. My cancellation number is XXXX Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-02
Company: EQUIFAX, 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 reached out to 4 creditors and all have stated that the information and account numbers do not belong to me. I have fraudulent reports on my credit report from companies in Virginia and Arizona when I reside in Illinois. When I spoke with the companies directly they stated that the credit bureau Equifax have placed the accounts on my report in error because the date of birth, name, social security number and address does not match their records. 

So if non of this information matches their records HOW did they verify it? I want answers!!! This information is supposed to be verified before you place it on someones credit. Equivalent should be held accountable for their actions. When I called Equifax they told me that it is impossible for something like this to happen. Well if that was the case how do I have 4 accounts that belong to different people on my report? 

These erroneous reports have dropped my credit score by XXXX or more points. How can we trust that they will report accurately when they do things like this. 

I want these removed from my report Immediately. 

Collection Accounts XXXX XXXX acct # XXXX XXXX Account - XXXX Closed accounts XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX These accounts were added between XX/XX/21 and XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Bread Financial Holdings, Inc.
State: KS
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 a XXXX XXXX Credit Card with XXXX XXXX XXXX. On XX/XX/2016, I noticed an error on my payment history and it was not resolved until XX/XX/2016.I just check my credit report and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. I have paid this card off fully as agreed to by the credit card company but when I just checked my credit report this is showing as having 90 days past due in 2016. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX XXXX at XXXX and they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I have contacted CitiBank multiple times with issues regarding my Home Depot credit card. 
Primarily they made accessing statements and online information impossible, which resulting in late fees I feel are erroneous. 
After a move, I asked for statements to be sent to my new address. I needed a full history on the account because the move was due to a divorce and the credit card balance would ultimately be settled in court. 
XX/XX/XXXX I called to request these statements. When they arrived they were not historical, but a simple one month statement. 
XX/XX/XXXX I called to complain again. I was told I must make a payment to bring my account current, which I did. This, I was told, would enable them to send a full history on my account as well as a replacement card. The replacement card is important, because I was told I could not re-gain online access until I had a new card. BUT- my online access was deleted by a Citibank associate when I called in XX/XX/XXXX. They admitted to this but did not reinstate my online account. 
I paid {$500.00} to bring the account current on XX/XX/XXXX, and was told I would receive my statements to assist me in getting online to make regular payments in 7-10 business days. 
On the 8th business day, XX/XX/XXXX I still did not have my statements but was assessed a {$39.00} late fee. The manager I spoke with on the XX/XX/XXXX did not advise me that another payment would be due before I would have the information needed to make a payment. ( Again- I did not have online access because they deleted my account and admitted to doing this on a recorded line, and I did not have a paper statement because they had not arrived yet in the mail. ) On XX/XX/XXXX I spoke with associate XXXX who assured me he would order the historical information on the account. I then spoke with manager XXXX ( ID # XXXX ) who refused to take off the {$39.00} fee. I explained I was unaware that a payment was due because 1 ) I did not have online access due to an error on their part, 2 ) I didn't have my paper statements yet, again due to their team sending me the wrong statements previously requested and 3 ) because the manager I spoke with on XX/XX/XXXX did not advise me a payment would be due before I had a statement. Manager XXXX ( ID # XXXX ) agreed with me that these previous statements were true, but he would not refund the fee.

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 2021-09-02
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:
I, XXXX, XXXX in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, XXXX, Equifax, and XXXX  XX/XX/XXXX, XXXX Credit reporting agencies are not reporting accurate and fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America Wire Transfer Dept ( XXXX ) XXXX XXXX the representative would not fully identify herself I was wired {$270.00} in US dollars to be received from XXXX {$400.00} XXXX and the bank stole money depositing only {$260.00} then taking another {$15.00} and refusing to return the money. They was informed that the {$270.00} was supposed to be in my account as that is what was sent to me and showed they do not care, they was taking my money unauthorized without notice, warning and consent. The bank representative XXXX said this is what they was going to do. Refused to give me her full name and when I said I wanted to make a formal complaint she refused.

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 monetary relief
Consumer complaint received 2020-07-24
Company: PNC Bank N.A.
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: Problem with personal statement of dispute

Complaint:
It all started when I bought the vehicle through PNC Bank from the dealership in XX/XX/XXXX. Ever since then, I have been having problems with customer service on the phone and the branches. They have the worst customer service and doesn't care about any of their customers. All they have been caring about is money. My vehicle was repossessed back in XXXX of XXXX when I was XXXX in FL trying to make it with two jobs I just started. My father made a call to the auto loan department about making a payment of {$1000.00}. He didn't know there was more owed than what he told them he wanted to pay. Customer service told me at the last minute that there was {$110.00} still left owed to get the vehicle current. There was another rep who told me there was {$110.00} owed left including next month 's payment of {$380.00} which wasn't due until XX/XX/XXXX. The customer rep who my father talked to didn't mention what else was owed so he could pay it all to get the vehicle back current. Instead, my vehicle was repossessed the next day or the day after. All of my stuff was in the vehicle and I had no where to go. My dad had to pay so much money to get my vehicle back and the repo showed up on my credit even though I had decided to retrieve the vehicle back within 24 hours with the same terms and continue to make the payments. Also, the other issue that came along was their corporate office pretty much laughing at me and not doing anything about the issue after it happened. They didn't do anything but beat me around the bush and left me to rot because they didn't care at all. I have another issue that is going on right now that is taking a toll on my health and I have been asking them for help for a couple of months which they won't do anything about. They are neglecting the situation by telling me they can't just voluntarily repossess the vehicle due to their so called safety of the repo man having to ask the other person who has the vehicle for permission. I think it's very unacceptable of how they are handling the issue because they don't want to be involved. However, they hold the title and their name is also on the title. Since this is a very serious situation, they could go and get that vehicle if they want it back. However, I see them just wanting me to keep paying on a vehicle I don't have in my possession. I refuse to keep paying on it. They don't want to help, the problem will be carried on their shoulders. I'm done with this bank. I've had it with their XXXX and lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: EQUIFAX, 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 found out my identity had been compromised because my wallet was stolen from the movie theater. I did not take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I am receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$4000.00} XXXX XXXX {$420.00} XXXX/XXXX  XXXX {$420.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have inquiries that I have no idea where they came from. My credit report shows multiple credit pulls for my score, but I shouldn't have anything pulled. I haven't applied for anything new. 

In accordance with the fair credit Reporting act my rights have been violated. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1861 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/2020, synchrony banks closed down all 5 accounts I have with them without notification. I received a letter from them with the reason of closing down the accounts. The reason is high risk of failure to pay with no credit agency reported as part of the decision. All accounts with synchrony were in good standing and never late paid. Care credit limit XXXX with Balance of XXXX, carcare one limit of XXXX with balance of XXXX, value city limit XXXX with balance of XXXX, PayPal limit XXXX with balance of XXXX, Amazon limit XXXX with balance of XXXX. All said account are been paid accordingly. When these accounts were closed, it hurt my credit by -38 points. I tried to get a clarification from the grantor but none was ready to give me a good reason for closure of these accounts.

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 2018-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was a victim of identity theft, I tried with all 3 credit bureaus to get the inquiries from the last year removed, since I did not authorize them, the credit bureaus refuse to delete these inquiries which are hurting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: AmeriCollect
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: Account status incorrect

Complaint:
I checked my credit and saw a trade line for XXXX XXXX for an account that has already been staled by my insurance company and I paid my co-pay of {$75.00}. 

Confirmation number for payment to be verified is XXXX. 
Account # with XXXX XXXX : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XXXX XXXX XXXX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports : XXXX XXXX BUREA-Date of Inquiry XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have an account with Coinbase and have XXXX Bitcoin in my wallet ( {$2300.00} approx ). On XX/XX/XXXX, XXXX Litecoins ( {$3500.00} USD ) were purchased without my knowledge or authorization. 

I contacted Coinbase customer support and they opened a case ( # XXXX ). They told me to change my password and then temporarily disabled my account so I have not been able to access my funds or verify the {$3500.00} purchase. The funds have been debited from my bank account. 

On XX/XX/XXXX, customer support sent an email -- they determined the purchase was made on my mobile device. Since, I 've removed the Coinbase app from my mobile device and changed all passwords. 

On XX/XX/XXXX I contacted customer support to unlock my account but they said it required an " analyst '' but had not been assigned yet. ( This does n't make sense since they determined the purchase was made on my mobile device and they had the IP address. ) To date, I 've received no communications ( phone or email ). I do not have access to my funds which now exceed {$7000.00}. I try to contact customer support but the wait time is over 30 minutes. Most times the line is cut after getting a customer support person on the line. 

I 'm very concerned that the price of Bitcoin and Litecoin may drop suddenly given the volatility and would like to cash out ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
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: Their investigation did not fix an error on your report

Complaint:
For the past 5 months I have been trying to get Method of Verification for Account # XXXX with XXXX Account # XXXX with XXXX XXXX, that states has been validated according to the Credit Bureaus. The dates for the requested information are XX/XX/2020, XX/XX/2020, XX/XX/2020. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs to me.

Company response to consumer: Closed with explanation