BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-13
Company: JPMORGAN CHASE & CO.
State: WA
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:
I'm having an issues with JP Morgan Chase Bank. The issues is between an internet website vendor XXXX and myself, that they are in breach of contract for the services they promised and sold me. I asked them to cancel my services with XXXX, they would not without charging me the full amount, we were 4 months in on a 12 month contract. This is the back story. 
I contacted Chase on XX/XX/XXXX to put stop payments for the monthly billing from the XXXX website and they did for the amount of {$120.00}, I also asked for any future charges from XXXX to not permitted to happen from this vendor, as well as cancel my current card and to re-issue it. Thinking this process was done on XX/XX/XXXX, I received a charge from the vendor XXXX in the amount of {$900.00}, and the card was not cancelled. 
So we contacted Chase Bank to have the charge of {$900.00} to be disputed and Chase reversed the charges, It was until XX/XX/XXXX the card was finally cancelled. weeks later Chase contacted me by email to say they are siding with the vendor and reversed the charges again. I contacted Chase and spoke with the department that makes their decision to stop payments and charges. I asked if they had noted the account on XX/XX/XXXX, they said no notes on the account, I asked do you note every call? They replied yes. I asked what department was I speaking with that put the stop order in, for all charges, they said they did not know. I asked to speak with a supervisor and got the say reply they were going with the vendor. I asked why didn't they call to speak with me on the charges and only the vendor. They had no reply. I explained the vendor and I relationship has no bearing on the charges that incurred do to them being in breach of contract. I asked what is stop any and all future payments from this vendor means? Their only response is that they decided the charge was relevant and that only checks can be reversed not XXXX charges. This put me over the top. That XXXX   purchases absolutely can reversed and this is why we don't use checks any longer. The call was over at this point because Chase was not working to protect my 2 business and 2 personal accounts I have with them.

After the 2nd response that they we're going with the vendor, we then resubmitted for a reversal of the charges again with no avail in changes. We feel that Chase is not protecting our money and is willing to give it out to any vendor regardless of the situation. All locations for bank documents are not able to be found online they all show blank so all consummations here are not able to be printed or seen from a public or private stand point. 

We greatly need your help and protect in this gross violation against us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I contacted Experian and attempted to add my Consumer Statement. The representative acted as if he entered and then read back to me my Consumer Statement. It does not appear on my report. 
I attempted to provide accurate information regarding original loan amount, current loan amount and date of relationship with the Lender XXXX and other Lenders on this report. 
I was told they will only show what is sent to them from the Lender and not from me. 
I have had a relationship with XXXX for more then 20 years. 
XXXX has opened and then closed my account over the years as we had mutually agreed. 
Experian and the Lender have made statements that are false and misleading. 
XXXX assigned me a new Credit Card number and a line of credit for {$6000.00} at a repayment term of 18 months @ 0 % interest rate. 
However this information is not available to other lenders. 
The failure to report the facts of my loan agreement is missing and is designed to make me look like I am a high credit risk. 
This is done by limiting the information as it appears on my report. Instead of the true facts, it is reported that I am maxing out my available credit allowing Experian to create a scenario that is harmful and incorrect lowing my credit score by more then 100 points. 
This is what Experian is reporting to other Lenders who look at my Credit report.

Experian and the Lender together are failing to accept or mention the terms and conditions of my actual account. 
It is in reality a loan being reported as a revolving loan even though I have a different repayment agreement. The report makes me appear as if I am a credit risk when in fact I have excellent credit with XXXX. 
I have never been late in my repayment with XXXX or any creditor ever as my current Credit Report shows! 
However after opening the new account with XXXX it has become a derogatory account making me look like a very high credit risk. The same thing happened with my two XXXX Credit cards one for {$3000.00} and the other for {$12000.00}. All of these accounts have the same terms and conditions for repayment. The agreement is for 18 months at 0 %. 
I have proof that I wish to submit so that my report is correct and accurate. and was told that I could not provide them with this information and that they will not consider it at all.

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 2019-09-12
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Hello, I made a payment to this collections agency on XX/XX/XXXX and they still haven't taken me out of collections. This is affecting my life. I called them many times but they didn't take any action. Today, I called them again and they said " NO, we will not remove it ''. They just don't care. They are uneducated people who ruin people 's lives and who don't even care. They don't even follow the process and don't care about law. When I tried to explain that this is NOT the process and they need to remove it from my credit, a woman named XXXX said no, she will not and she hanged up the phone on me. This is an awful company who hired the worst people with no education, no communication skills and no empathy. I am fed up with these people and this company. An electric company should not have worked with such terrible company! 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Made a dispute with credit bureau in regards to inaccurate accounts. Credit bureau sent a letter stating the disputed accounts were " verified. '' However these accounts are not reporting correctly so im confused how they are verified while being incorrect. I then sent a letter to the bureau asking for documents contained in the investigation based on FCRA 611 ( A ) ( 7 ). As of today 7/1/2020 I have not received info about the report and incorrect items still remain. The bureau is not following E-Oscar and Metro 2 compliance protocol.

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 2021-05-26
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: Was not notified of investigation status or results

Complaint:
I sent a letter to Equifax, XXXX and XXXX on XX/XX/2021 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: LA
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:
EXPERIAN FAIR TO FOLLOW GUIDELINE UNDER THE FCRA EXPERIAN REFUSE TO REMOVE ACCT OFF MY CREDIT REPORT BK # XXXX THEY KEEP SAID THEY validated XXXX XXXX IN request FROM, I have gave them for chances to get it 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 2021-05-26
Company: Experian Information Solutions Inc.
State: DE
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: Other problem getting your report or credit score

Complaint:
I recently found out that Experian zeroed out my credit score without explanation. My credit score was XXXX in XX/XX/2020. This week, I was told by my bank that my score is now XXXX and that this was the basis for denying my car loan application. How can my credit score go from XXXX to XXXX in less than XXXX months without my having any delinquencies, charge-offs, late payments, or any other derogatory activity on my credit 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 2019-09-12
Company: Home Point Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refinance loan was done through this lender and the lender never paid the old bank with the pay off amount. so therefore now there is 2 loans showing on my name, where the 1st one should've have been paid off by this lender when i did the refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Westlake Services, LLC
State: MA
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: Was not notified of investigation status or results

Complaint:
This account is reported incorrectly and inaccurately. The payment history is not consistent among the reporting bureaus. Also to point it out this account is tagged as charged off yet there is a balance. I urge your team to help me get this out of this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( XXXX XXXX, and Experian ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 day. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is hinderance in applying for new credit, housing, etc.

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 2019-10-22
Company: U.S. Auto Sales Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Company after company will just show up on my account inquiries, and I want to clean these accounts that I have no knowledge of creating.

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 2018-07-03
Company: Westlake Services, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2015. XXXX XXXX  said I applied for a car loan, which never happened.never heard of these people, now all of a sudden when I submitted a complaint to the credit bureau, they said it was legit.Dont know how, s When?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: I.Q. DATA INTERNATIONAL, 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 information incorrect

Complaint:
In XXXX, 2018, I was contacted by IQ DATA via telephone, regarding an account, about which I had no knowledge. I immediately informed them that the account must be a mistake or error and requested that they verify the validity/origin of the debt. Initially, the operator I spoke with couldn't tell me much about the alleged debt, except the original source - XXXX XXXX XXXX. I explained that not only did I not owe promenade towers anything, but I actually never got my deposit back from them when I previously moved out of my apartment, so if anything, they owe me some money. I said this in a phone call they recorded the very first time I was contacted by them. 

The operator went over after-move-out charges with me, that totaled less than my security deposit and when I pointed out that this might've been where the arithmetic error occurred ( perhaps turning a negative number to positive, I'm not sure ). I was informed that " there must be more charges somewhere. '' Well, I again asked that they verify and validate that in writing with me. I sent my request in writing and what I received back from IQ data was merely a copy of the document acknowledging that I do not owe any money. Rather, I am owed money. This math has been stated by IQ DATA, and confirmed in writing by their own documentation, which I have included  here. Yet they are still saying that I owe them money. 

Again, individual operators have admitted to me that the math doesnt add up, but they still continued on with saying that I owe money. 

Page 2 of the attached document that I received from IQ Data shows my security deposit in the amount of {$530.00}, and after-move-out charges in the amount of {$63.00} for countertop replacement, {$48.00} for painting and {$200.00} for rent ( {$310.00} total ), I am owed {$210.00}.

I have twice pointed this out to IQ Data and have not heard anything from them in months. It has been far longer than thirty days and they have failed to verify or validate that I owe them any debt, which they are required to do according to the FCRA. They have instead demonstrated and admitted on multiple occasions that I am owed {$210.00}. Therefore, this account is fraudulent and should not be on my credit report and I ask that it be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: IN
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Bread Financial Holdings, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Commenity Bank is trying to collect a credit card debt and called 5 different times before XXXX and will repeatedly call throughout the day, upwards of 10 times, every day. They also call before XXXX and after XXXX as well. They also called my family members who are not at all on my credit card and asked for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchased a floor lamp from a neighbor. He disassembled the lamp and have it to me without instructions or guide to rebuild it. I have contacted him to make this right but he is unwilling to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/2020 I mailed in a dispute to Experian regarding a collection on my account from XXXX XXXX XXXX on XX/XX/2020 experian complete their investigation and sent a copy of my credit report stating completed investigation of FCRA dispute consumer disagrees iteam was updated. On XX/XX/2020 I mailed in a letter requesting experians method of verification wich Is my right under FCRA 611 asking for all information provided by the creditor to be forwarded to me received a post card in the mail on XX/XX/2020 I received a copy of my credit report stating this iteam was updated from the process of your dispute on XX/XX/2020 I mailed in a letter requesting method of verification one last time I asked for names, telephone number, a copy of legal documents bearing my signature showing I have a binding contract with the XXXX XXXX XXXX   agreeing to the exact amount claimed. In XX/XX/2020 I received a copy of my credit report they updated the balance from {$820.00} to {$1000.00} after the iteam has been on my credit file for over 5 years I have never received any information as requested from experian wich I have the right to under FCRA 611 experian is not doing their job and investigating my disputes properly this is not the only account that includes false information regarding experian at this point experian is making up stuff I have been personally affected by experians negligence to properly verify information on my credit file I have lost out on numerous job housing and credit opportunities experian needs to be held accountable.

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 2019-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have repeatedly asked them not to call my cell phone, i will only deal with them in writing. I have provided my home address and email address for communication. They call repeatedly every day, multiple times a day and constantly change the number when i block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Recently, I received a call from Portfolio Recovery Associates for  debts from 10 years ago. Calls happen 5 to 8 times per month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
These accounts are unauthorized and unverified accounts reporting on my credit report.These accounts were opened without my knowledge or authority.

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