BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
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 pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Dear Sir/Madam : I am disputing the above-referenced debt in the amount of {$210.00} from XXXX, i never been acknowledge of this debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ) regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the FCRA, verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge, And with original hand signature of its owner. I dispute this debt because Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. Aside from verifying the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
My attorney and I have been working with each credit Bureau and some of the item was removed found to be fraudulently were taken off but my score is mainly the same they have not updated my score as it should be higher even after they have removed item that was fraudulently done. he is still working with them and so am I they have only raised my score slightly. XXXX  I have called and all I get is the same answer it has been more than 30-60 days I have been working with them and my attorney has held a 3way conference call with them. I really hope this issue can be resolved. What good is it if know one listen coming from a person who has been involved with someone using my identity, I have took every step that was requested of me with my lawyer involved that still has not raised my score as they should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Bank of America. 
Had a Balance of {$2700.00} on XX/XX/XXXX. I paid XXXX on XX/XX/XXXX. Was billed again from the bank on XX/XX/XXXX at which time I had a credit balance of $ XXXX an amount of {$73.00}. At that time I was charged residual interest again at {$22.00}. I have a second credit card which they did the same thing. I contacted the bank and they said that it is their policy to bill residual interest for 2 billing cycles after the credit card is paid in full. Also, not only did I overpay the bills but when I looked at the website for payoff amounts you have 3 options : 1. Pay minimum payment 2. Pay last statement balance 3. pay current balance This is misleading to consumers as the bank states that the current balance is not updated daily and actually does not reflect the current balance with interest and unless you call them you do not have the proper amount to pay off your account and will be billed again residual interest. I hate when I pay a bill in full and then a month later another charge ( residual interest ) magically appears. 

XXXX did the same thing but when contacted they immediately reversed the charges.

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 2019-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I worked so hard to get my identity theft information off of my account. I opened a new account with Capital one to bring my credit up and I am paid almost in full on the account right now. Initially, I opened the account less than 3 mos ago and they did not send my invoice so I did not know the first payment was due till i called and they told me I was ok. Had no other issues till I accidentally made a full payment on the account when I was trying to make a lower payment and the money was returned but I immediately made a payment. I looked at my credit report and it is reporting 30-59 days late on the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021 I payed a credit card bill to First XXXX Bank for the amount of XXXX. The next day I deposited XXXX cash in my checking at Chase JP Morgan ATM at XXXX XXXX & XXXX XXXX. in XXXX Az. When I looked at my receipt my bank account was XXXX to the negative when in actuality I should have had over 400.00 to the positive in my account. My account was charged 125.99 cents 21 times on the same day. I went to the bank and they took off a few charges. Persons name was XXXX XXXX believe. He was one of the persons in charge back in the nice offices. Still in a negative balance I want to know why this happened, I was told a computer glitch. After multiple calls to Customer Service Reps we were able to get the charges lower. I then reached the Executive Offices and spoke with XXXX who is a Exec. Assistant and she said she would look into it and see what she could find out. XXXX returned my call a few days later and told me that this computer glitch affected 2 people, me and someone who she could not tell me who for obvious security reasons.So basically I was without access to my account for well over a week and could not make any payments for all my other bills. I have lost XXXX points in my credit score from this to which they have no answer. This money taken from my account has caused me to lose late fees, caused enormous grief and stress and on top of that I have XXXX XXXX during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Re : Case # XXXX. 

1 ) The credit balance was created on XX/XX/19, but was removed in XXXX. Therefore, 90 days had not passed. ( Note that Citi has deleted all XXXX transactions and the XX/XX/XXXX account statement containing them from my online account history. ) 2 ) I did request a refund via chat within 90 days as you can see by requesting their support records. 

3 ) Regardless of what it said on the statement, this is not part of the terms and conditions for the card.

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: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to get my credit report online from Equifax due to a fraudulent credit application. XXXX XXXX contacted me via USPS mail. I want to see if there are other attempts. Why can I not get this online. They want me to fill out a form with my Social Security # on the form and mail it to them. This is a joke! We are expected to value their reporting? I should not put my SS # on any document going through the USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Flagstar Bank, N.A.
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I told the operator to quit calling me and the lady told me they will till the information on the account is changed and laughed at me when I said that Im going to call the FBI and said to go ahead and call so I did and here is what is happening now

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 2018-01-11
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/XXXX I was informed that is law office was no longer interested in trying to collect this debt by XXXX. However, this situation started back in XX/XX/XXXX after I received a statement in the mail saying I owed this law office an amount of {$190.00}. So I called to see what was going on. they stated they were trying to collect a debt from XX/XX/XXXX. so this where I have an issue. The first issue arose, the debt the claiming I had was from XX/XX/XXXX, why now am I just getting a letter from a collection agency, two, I was very sick that year and all my debts had been paid either through my HSA account or via payment plan, third, I had the actually negotiated amount from the actual company that I settled an paid {$150.00} with in XX/XX/XXXX. After, going over that info with the agent, a review was suppose to be done on my account. Apparently, one was n't done. NOW this mess ... XXXX Another hit on my credit report and for what .... an attempt to frustrate the heck out of me ... well this time I will keep fighting and disputing. I think these agencies are a bunch of no good crooks that continue to find ways of pulling old settled debts into circulation. This must stop. So after calling and never getting through, I had an inquiry to hit and stated I had an hard hit right after XXXX, go figure. That 's when I called this office and was told they were n't any longer trying to collect on this account, so why would it go to my report? Straight foolery ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: HEAD MERCANTILE CO., INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent HMC GROUP letters on XX/XX/2020, in which they didn't response, and recently on XX/XX/2020 about 3 different alleged debt of XXXX, and XXXX $ that are not mine.I mailed them off certified mail/return receipt for my record.This is stressing me out and causing me from accessing a house with the negative items on my report.I have attached copies below of the letters that i sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Colony Brands, Inc.
State: DE
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:
There is a fraudulent item reporting on my credit report that colony brands/ XXXX XXXXagreed to delete and im not sure if the bureaus or refusing or colony brands/ XXXX XXXX  informed them yet but its been over a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
This has to do with my Barclaycard US credit card. I got notified after my payment was late that I had a {$20.00} payment due. I know I was on auto-pay, but they can't explain why my bank info wasn't there. 

Fine, this was less than 30 days after the due date, so I put in new bank information and submitted payment. I once again did not get notified that my bank returned payment for some reason. It wasn't until I was randomly checking my bank account online that it said the payment was refunded. 

I also now have a late payment on my credit report which had hurt my credit score. I've never been late on a payment before, so this is deeply disturbing for a ~ {$20.00} charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
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 discovered that I am the victim of identity theft. Several accounts were opened in my name without my consent, knowledge or approval. At no point did I benefit financially from these accounts. Upon checking my credit report I found the following accounts and inquiries that were not authorized by me and that I did not have any knowledge of. Accounts open without my knowledge : XXXX XXXX XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX # XXXX**** Credit inquiries without my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX, XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX The following address does not belong to me and is a result of fraud : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX The following phone numbers do not belong to me and are a result of fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived nor have I been associated with anyone who lives at the address XXXX XXXX XXXX . I have attached a copy of my current lease agreement showing where I live which shows that I moved inXX/XX/XXXX and signed the lease for 1 year. These accounts were opened online and the cards/checks/paperwork mailed to a third party address I am not associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
We wire-transferred US {$150000.00} on XX/XX/2019 from XXXX XXXXXXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX NY to Wells Fargo Bank NY for payment to our affiliated company in New York. 

We subsequently found that the wire-transfer was a fraud as our affiliated company in New York does not maintain any account with Wells Fargo Bank NY. We therefore instructed XXXX XXXX XXXX ( NY ) to stop the wire-transfer on XX/XX/2019 and obtain refund. 

Wells Fargo responded on XXXX XX/XX/2019 that it had reported the matter to its Fraud Department, but was unable to refund because there were no funds available. XXXX XXXX XXXX XXXX XXXX XXXX sent another enquiry on XXXX XX/XX/2019 asking for more information. Wells Fargo further responded that payment of the subject international wire-transfer had been effected on XXXX XX/XX/2019 under its reference XXXX despite the name and account did not match. No funds remained and they closed file. 

We consider it the responsibility of Wells Fargo to match the name and account of the beneficiary before releasing the funds of the international wire-transfer. Wells Fargo is also responsible to refund the fraudulent payment to the remitter and to compensate the losses so incurred, because it had failed to act professionally to avoid paying the wrong party when handling international wire-transfer.

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 2022-01-08
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am the consumer, original creditor and natural person. Synchrony Bank has denied my right to credit as I applied for a XXXX XXXX XXXX credit card account on XX/XX/2021 in a consumer credit transaction. Pursuant to 15 USC 1681a ( k ), Synchrony Bank violated federal law by denying my credit application. Synchrony Bank also discriminated against me pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642. Pursuant to 15 USC 1605, a finance charge was involved in the consumer credit transaction I initiated however, Synchrony Bank failed to disclose it to me. Pursuant to 15 USC 6802, I am exercising my right to privacy and hereby OPT OUT of the sharing of my nonpublic personal Information to consumer reporting agencies.

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 2018-11-02
Company: Experian Information Solutions Inc.
State: DE
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:
There is a fraudulent item reporting on my credit report that XXXX XXXX/ XXXX XXXXagreed to delete and im not sure if the bureaus or refusing or XXXX XXXX/ XXXX XXXX informed them yet but its been over a week.

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 2020-10-28
Company: EQUIFAX, INC.
State: MS
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:
XXXX XXXX is reporting a bankruptcy on my credit. The courts name are reporting inaccurately and different between XXXX, XXXX  and equifax and the dates are reporting wrong as well. The original creditor is the Bankruptcy courts and they have communicated with me that they do not report this information to the XXXX XXXX are any other credit reporting agency. i would like to know your method of verification on how you verified this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Hello I had an Mortgage with XXXX XXXX from XXXX XX/XX/XXXX and the mortgage has been transferred over to XXXX , XXXX XXXX We made our last payment on XX/XX/2021. We made our first payment with XXXX XXXX on XX/XX/XXXX, During the transfer my wife and I credit has been hit for an total of 50 pts. XXXX XXXX XXXX is still no report our loan to all 3 credit companies. I have been calling them for the last month to get still resolved. Please help asap because this is hurting our credit really bad and we are trying to refi our house asap and now our credit is to loo to refi because of XXXX XXXX XXXX. 


I can be reached at XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
JPMorgan Chase Bank N.A as successor by merger to chase Bank USA N.A retaliated against me for filing a complaint against this bank within the CFPB. This Bank retaliatory adverse actions did not stop at the previous reported ones to the CFPB. Unfortunately this bank harassments and discrimination against me is recorded I will not upload all my evidences herein unless I have a Counsel since this bank charged me excessive interests while confiscating my funds for months against my will, this bank declined my transactions without a reason but to harass me, this bank increased by APR interest in a retaliatory manner despite I never failed to pay on time, this bank changed the terms and conditions of all my accounts from the version before the retaliation began so all the new terms and conditions introduced are rejected and disputed by me and do not apply to me and between us courts. Finally I am noticing also this bank about the following : I reject the arbitration agreement introduced recently as shown in the photos for all my credit cards accounts with this bank and I also reject any arbitration agreement with this bank for any account I have with them and at any time time an arbitration agreement will be introduced is also rejected at any time and without my prior or prompt notice in the future. All stated herein is to my current states belief knowledge and understanding and it is subject to any change or any correction by me or my counsel only at anytime without prior notice and without waiving my rights .I will sue your company who discriminate against American XXXX customers. It is my understanding this bank is targeting my well being and my safety and if anything malicious or harmful or negative to happen to me in any sort or state thus bank must be held fully legally responsible and to be prosecuted. Between us public opinion, media and courts. See you then.

Company response to consumer: Closed with explanation