BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-05
Company: BYL Collection Services
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:
I received a ding in my credit karma app saying I had a negative remark on my credit report. I had no idea what it was referring to and contacted the company to find out that I had an unpaid collection in the amount of {$53.00} that I was never billed for. It was a fee resulting from what my medical insurance didn't cover for a medical item. I was NEVER billed for amount and contacted the collection company to request that they remove this remark from my credit report as I was never sent a bill for this item. 

I spoke to XXXX in the consumer payment department and was told that they are " unauthorized to report credit charge offs ''. I requested to speak to a manager and was rudely and abruptly put on hold. She then returned and told me that the manager XXXX was unavailable as she just came into the office and would return my call later that day. She never returned my call. Shocking! 


Having this item marked as Paid in Full after paying it is inaccurate as I was never billed for this item. I want to pay the bill and have it REMOVED from my credit report. This business is conducting FRAUDULENT BUSINESS PRACTICES by refusing to bill their customers and instead just leaving negative marks on their credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A JPMORGAN CHASE XXXX account was opened in my name on XX/XX/2016 account number XXXX routing number XXXX. I didn't approve or authorize the opening of this account and it was left with no negative balance. This account is also reporting with a phone number XXXX that does not belong to me and an address that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/XXXX received an alert that my credit score dropped by 17 points for no specific reason given. I had just paid off a car loan and it was reported as paid in full/good standing. I had very low credit usage at the time, my score should have not decreased, should have possibly increased actually due to my over 800 score and having no negative items on my report. I called that day and spoke to a representative she could not find any reason that it should have decreased so she told me she would forward this issue to another department for further investigation and that someone would be calling me back with more details. I never received a call back. XX/XX/XXXX I received another alert that my score was decreased by 12 points, for no specific reason. I called again and the representative said there was nothing she could do, they did not have that kind of information and I would have to contact my financial advisor/bank for more help on the issue. I called my bank and they told me there was nothing they could offer me ( as I suspected ) since this was not an issue having anything to do with the bank or my credit cards with them. All she could do was suggest contacting the credit reporting agency, which I explained I had already done with no luck. I called the credit agency back again and explained what they told me and was told they would forward this to another department and they would contact me back, the same thing I was told the very first time this happened. I never received a call back once again. Whenever I used to receive alerts there was always an explanation along with why something was changing. I was told by credit reporting agency that they no longer do that. I want to know why the decreases happened since I have been very dedicated to keeping my score up as high as possible and there has been no negative things that should have done this to my score. I have excellent credit and I think it is very unfair and wrong that my score took a hit for a total of 29 point decrease for absolutely no reason. I would like an explanation and correction to my report.

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 2017-11-29
Company: FORD MOTOR CREDIT CO.
State: MO
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 have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The errors on my report after I received validation Letter from them, On XXXX XXXX contract, my Last name is spelled wrong " XXXX ''. 
Also on XXXX contract, my email is spelled wrong so I never received any notifications XXXXXXXXXXXX On XXXXXXXX XXXX  Contract, there are two different open dates which is circled on paperwork, and also someone changed XX/XX/XXXXto XXXX so someone tampered paperwork to extend debt. The Original date opened is XX/XX/XXXX.On my credit its reporting XX/XX/XXXX. 
Also there 's no social security number identifying that this debt even belong to me. 
Neither contract wasnt supported with how much the debt collector payed for the debts nor contracts with Original creditors stating that they have the right to own and collect on the debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was checking my credit report and noticed that a couple of companies that I didnt know are did business on my credit report I tried writing them but they didnt operating right

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 2019-05-14
Company: MRS BPO, LLC
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:
i checked my credit today and found MRS associates is still reporting a debt from XXXX that is not owed. I want the trade line deleted immediately. i tried to submit a dispute through XXXX website for this item and several more but the system caused an error when i clicked submit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
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:
I 've called XXXX XXXX regarding 2 late payments, payments was sent but was not credited on time, they said they investigated an it was no problem on their side. I disagree and now credit report is showing late payment. I 've had account for 4 years with no late payments.

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 2017-11-16
Company: JPMORGAN CHASE & CO.
State: CO
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:
On XXXX/XXXX/XXXX I discovered I saw a pending transaction on my checking account for {$360.00} from a company called XXXX XXXX - since I havent done any transaction for that amount I tried to contact the merchant with the phone number attached to the transaction. The call went to a personal voice mail - no name -it asks to leave a message .. after 2 attempts- I decided to call my bank and inquire about the charge. The representative informed me it was a charge going through my debit card and went through on XXXX/XXXX/XXXX for {$360.00} ; XXXX/XXXX/XXXX for {$360.00} and XXXX/XXXX/XXXX for {$400.00}. The representative stated not to worry and the bank will investigate and refund the charges back to my account since I havent authorized it and that the charges are fraudulent. He also stated that my account is insured and transferred me to the claims department. The agent in the claims department repeated the same thing and I also found one additional unauthorized charge that went through from XXXX for {$62.00} and disputed that charge and said hell deactivate my debit card and send me a new card. However, on XXXX the bank decided to reverse the charges for {$360.00} that occurred on XXXX/XXXX/XXXX and {$62.00} on XXXX/XXXX/XXXX stating that I didnt report the charges within 60 days of the statement date. I called and spoke with a supervisor with the claims department, XXXX in Ohio and tried to explain to her that if the charges happened in XXXX and I reported it in XXXX it is not over 60 days she insisted that the bank shouldnt refund the money that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: EQUIFAX, INC.
State: MS
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:
I applied to and was approved for a credit card with XXXX XXXX XXXX Credit Card Department in XX/XX/2020. I have made all payments on time. This account has not being reported to any of the THREE MAJOR credit bureaus, such as Equifax, XXXX  or XXXX  as an account and one in good standing. 

Please have them ( XXXX XXXX XXXX Credit Card Department ) report this credit card account to Equifax, XXXX  and XXXX Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I applied to and was approved for a credit card with XXXX XXXX XXXX Credit Card Department in XX/XX/2020. I have made all payments on time. This account has not being reported to any of the THREE MAJOR credit bureaus, such as XXXX, Transunion or XXXX  as an account and one in good standing. 

Please have them ( XXXX XXXX XXXX Credit Card Department ) report this credit card account to XXXX, Transunion and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the 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 non-monetary relief
Consumer complaint received 2018-01-18
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i did a modification with Ocwen loan servicing in XX/XX/XXXX which was approved, my husband sign the letter sent in back next day, i received a phone call stating i use white out on the form and need to redo it, i was sent another one a few days later which my husband sign again and have it notarized, we were contacted the second time saying they need both husband and wife signature on the document, i respond in writing that my husband name alone was on the loan and there was not a place for me the wife to sign on the form, i was told to just go with my husband the 3rd time to the notary and give my Id and have them state that the signature was mine and my husband which we did, i was then told a month later that the loan was sold to XXXX so they ( ocwen ) would no longer be taking my payment ( which i was making every month ) .... i ask ocwen for the contact information for XXXX because i never receive a letter or any documentation for the sale of the loan to XXXX, and no call or contact from them either after calling them for 2 months ( XX/XX/XXXX and XX/XX/XXXX ) they took 2 months payment and say they need direct access from my bank for payment until i am in their system, which i still have to call them every month to remind them, until XX/XX/XXXX i was told by XXXX that they have no documents from ocwen to prove i got a modification and they can not received any more payments from me, during XX/XX/XXXX when i start making payment to XXXX, ... ocwen start filing foreclosure on the house which did not make any sense to me and i did not know what to do i then hire a company to safe my house XX/XX/XXXX then XX/XX/XXXX without much time or notice they sold it to XXXX XXXX and told me i need to move within 24 hour, they are not truthful about the whole thing, i have bank statement to prove i was making payments until XXXX stop me, please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I applied to and was approved for a credit card with XXXX XXXX XXXX aka XXXX XXXX Credit Department in XX/XX/2016. I have made all payments on time. This account has not being reported to any of the THREE MAJOR credit bureaus, such as XXXX, XXXX  or XXXX  as an account and one in good standing. The credit card limit is {$6800.00} Please have them ( XXXX XXXX XXXX aka XXXX XXXX XXXX Department ) report this credit card account to XXXX, Transunion  and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the 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 2021-02-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I have recently pull my credit report and reviewed, I noticed that there was a company of PORTFOLIO RECOVERY listed on here for a collections. I for one never received documentations that I had any type of debt with them. I reached out to the company on XX/XX/XXXX for them to validated this debt, I never received a response, I then reach out to them again on XX/XX/XXXX for them to follow up on the validation of this debt they have listed on my credit report. The company has refused to provide or even responded with any proof or knowledge that this debt belongs to me. At this time they have violated my consumer rights. The law states that If the debt collector does not send sufficient proof of the debt, they are not allowed to continue pursuing you for the debt. That includes listing the debt on your credit report. The company has broken several rules since my initial letter sent on XX/XX/XXXX. I am keeping very detailed documents. This company needs to remove this from my credit report immediately. The company has had more than 60 days to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: PNC Bank N.A.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Me and my wife settled our dispute for my second mortgage with the PNC bank in XXXX XXXX 2017 because I paid the amount that I was asked to pay and I received the attached letter from the bank but the bank kept sending information to the three credit berus instead of terminating their report. We are trying recently to refinance our first mortgage to reduce our monthly payment but we could not because the requested companies are seing this problem on our credit report and they are considering the settelment with PNC as a disclosure on the house. I called PNC Bank and they refuse to help me and they told me to contactThe federal trade commission and they recorded my conversation with them. I need them to remove this problem from our credit report and stop sending any information to our credit report. I talked to FTC ( XXXX XXXX on XXXX ) today and I was advised to file this complaint against PNC, Thank you for your help. 

XXXX XXXX and XXXX XXXX, XXXX, XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have contacted XXXX and Bloomingdales on several occasions sent them polices reports identity theft reports and a notarized statement and they still telling me they can not accept that. I did not open these accounts and I do not know what else to do

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 2021-02-18
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 is missing that should be on the report

Complaint:
I applied to and was approved for a credit card with XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX in XX/XX/2016. I have made all payments on time. This account has not being reported to any of the THREE MAJOR credit bureaus, such as Equifax, XXXX or XXXX  as an account and one in good standing. The credit card limit is {$6800.00} Please have them ( XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX  ) report this credit card account to Equifax, XXXX  and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a new vehicle, and utilized Bank of America for financing. Upon getting my account information, I set up an Automatic Payment utilizing their Online BillPay functionality, in order to make sure all my payments were received on time. Yesterday, I received a Certified Letter that the account was delinquent, and they would be attempting repossession if not brought current. Though my conversation with their collection department, it was learned that BofA has been applying my payments for my car loan to my credit card, which had a zero balance, and now has a credit of well over {$1000.00}. I have attempted to correct with their online support team on the phone, who has transferred me to multiple departments, none of which appear capable of correcting the issue. When on the call with their last representative, when I explained the situation again, and he still could n't understand the problem, I asked to speak to a supervisor. Their Customer Service Representative then hung up on me. At this point, I still have been unable to have a CSR correct any issues, including the fact that they have reported my payments as late to the credit bureaus, impacting my Credit History.

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 2021-02-18
Company: Paypal Holdings, Inc
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi my name is XXXX XXXX. I'm not sure what to do at this point as I've tried resolving this issue for over 6 months. I signed up for venmo and transferred {$1000.00} ..the first couple transfers I did went threw without a problem. I tried linking my friends debit card to my account because I lost mine and he was also a venmo user but when I did that they froze my account. I was told I needed to send them copies of my id, copies of my bank statements and even copies of all the people 's id 's and bank statements of every person I had either sent and received money from and there id 's as well. .i told them I wouldn't be able to do that and I sent the docks I could. They said that wasn't good enough and my funds would be frozen for 180 days ... i told tgem to close my account in the hopes they would then send my money back but that didn't work ... i received a " final statement '' and contacted the executive of esculatione ... he informed me my money would finally be released on XX/XX/XXXX ... .i tried contacting him about 7 more times and also sent about 30 emails to different departments asking how to get my money since I was unable to get into my account since it was closed ... .now there basically telling me that my case has been translated to a specialist and I would have to wait ... .i need my money ... I lost my last appartment already because of this and I don't want to lose another one ... .plesse help me I don't know what else to do! Thanks XXXX XXXX my user name in venmo is XXXX ... the email is under XXXX ... .thank you so much

Company response to consumer: Closed with explanation