BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Regarding CHASE SAPPHIRE PREFERRED CARD : What : Chase out of the blue sent me a regular mail letter threatening to close my card forcibly, potentially damaging my credit. Had i been traveling or had the letter been lost I would have had my credit damaged. 

>My card was set for AUTOPAY IN FULL -the money was available for them to take. 
>I have all billing set for electronic receipt - but this critical notification was sent by regular mail only. 

Why : Chase said that the credits issued to my account were over the amount due for 2 cycles. 

My reaction : >So if credits were over amount due - then I don't owe anything -- what is the problem? 
> My card is set for AUTOPAY IN FULL. So if I owed anything - they had full authority to take it. 
> How was I to know there was any problem whatsoever? After they didn't take the money out of my account - I actually called them after each cycle and asked if there was a problem. Customer service said no. 

Then I got their letter threatening card cancellation. 

>CHASE SEEMS OBLIVIOUS to their legal consumer credit responsibilities. They failed to inform me - both verbally when i called customer service - and in a timely matter ( in my case this would be via email which is how I have elected to receive all my statements ).

> I STILL CAN'T FIGURE OUT WHY HAVING CREDIT as i did means I was behind payments when they had authority with AUTOPAY to take out whatever was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
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:
I am so confused why XXXX XXXX  XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
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:
I am so confused why XXXX XXXX XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 reviewed a current copy of my credit report with incomplete and inaccurate information. I do not recognize this consumer contract. Also I attempted to on a number of occasions to reach out to to the creditor with no success. Please again update this account as deleted. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account

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 2018-12-22
Company: Experian Information Solutions 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:
I am so confused why XXXX XXXX  XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time

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 2018-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I been trying to open a bank account about 2 years now and Im having a really hard time getting an account. In XX/XX/2016 I received a fake check in the mail from who I thought was my new roommate. I went on XXXX XXXX looking for a roommate and she sent me a fake check. She said she live in XXXX and she moving to XXXX. for her job. She sent a {$5000.00} check and said for me to take out her part for the rent and give the other half to her movers. every since then I been having an hard time getting a bank account. I tried to file a police report and the detective said it wasnt no point to file a report because it may not been the real person or her real name. We emails, talk over the phone and she sent me a friend request on XXXX and she sent pics. I still have emails from her with the date on it to prove it.

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 2021-07-17
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent an Accord & Satisfaction notice ( XX/XX/XXXX ) with settlement offers for two charge off accounts with XXXX  ( {$970.00} past due ) and XXXX ( {$3100.00} past due ), both from XXXX. They were sent via certified mail & gave XXXX  & XXXX XXXX  ample time opportunity to decline. They did not, I later sent restrictive endorsement checks for {$240.00} ( via certified mail on XX/XX/XXXX ) and {$790.00}, reiterating the terms of agreement on the back of the check : " Upon endorsement and deposit of the check the creditor agreed to terms of Accord and Satisfaction : This payment will be to settle the debt in FULL on the accounts with a final one lump sum payment & will satisfy the account in full. Upon the receipt of this final payment the XXXX & XXXX agrees to delete ALL negative reporting & no derogatory comments with be reported to XXXX XXXX , & XXXX  -The new credit reports to the above account will be Paid As Agreed - No further collections actions will continue on the charge off account '' They accepted the restrictive endorsement checks but did not honor the terms of the agreement. Only the payments were reported to XXXX XXXX, & XXXX. The rest of the agreement terms were disregarded. I plan to take legal action for defamation of character if this is not resolved.

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 2018-12-22
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:
I am so confused why XXXX XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notification of an added to my credit report. This particular debt was paid off. Unfortunately because of the time I no longer have the electronic receipt showing it was paid. I called the company to come up with some type of solution to resolve it. My request was I wil be willing to pay {$100.00} of the {$300.00} as a pay for delete. They sent me a letter back stating I had to pay the full amount owed with a copy of the bill. Gratefully the bill showed that it was paid and I no longer have a balance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Cardinal Financial still owes {$190.00} on my delinquent tax bill as of XX/XX/XXXX. I have been trying to get an answer from them for 3 months with no luck. The reason for this amount was that Cardinal Financial short paid my delinquent taxes that they failed to pay in XXXX of XXXX. I have made numerous phone calls and emailed numerous times with no answers. This company has very poor communication skills unless they want you to refinance then they seem to be able to call consistently. 

I have had numerous Resolution Specialist with out resolution. 
Cardinal FinanciaXXXX paid a portion of my delinquent taxes on XX/XX/XXXX ( {$3000.00} XXXX. After about 5 months of calling and submitting a complaint with the CFPB. The payment was {$190.00} short. 

The collection agency gave the amount for the pay off to Cardinal Financial and they chose to short pay the amount. I believe this was a deliberate decision. 

I am waiting for a call back from XXXX XXXX. I left him a message on XX/XX/XXXX at XXXX am XXXX. Waiting 2 months for a call back is unacceptable. Waiting 1 year to have my tax bill resolved is beyond ridiculous. 

Someone at the highest level of this organization should be paying more attention to how their business is being run.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital One NA XXXX, XXXX XXXX XXXX XXXX XXXX, Utah. XXXX ( XXXX ) XXXX In regard to the company listed above, Capital One is reporting hard inquiries to my credit report each month which can be seen on my personal credit report from XXXX credit bureau. I do understand that I have a debt in collections as a " charge off '' with this company, however, I have not been making any inquires or contact whatsoever to this company which were reported on : XX/XX/XXXX- states " Reason Unspecified '' - address ID # XXXX XX/XX/XXXX -states " Reason Unspecified '' - address ID # XXXX XX/XX/XXXX -- states " Reason Unspecified '' - address ID # none available Capital One continues to make monthly hard inquiries account. I understand that the personal debt with this company also affects my credit report, But I have not had any contact with this agency in over 180 in order it for it to legally become a " charge off ''. I do acknowledge the last contact with this agency in regard to Capital One Auto Finance on XX/XX/XXXX, which is subject to be removed from my credit report until XX/XX/XXXX. However, I did not legally authorize or give any consent for Capital One to keep running Hard inquiries on my credit report which are listed above. Every month, of the year ; I receive 12 hard inquiries from Capital One

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17
Company: Millco Management
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Amerifinancial Solutions via. phone call XXXX. Upon answering they demanded for my social security number which I gave them, along with my name. I talked to an agent named XXXX. I confirmed with him that the total debt of XXXX was correct and I would be willing to pay it. I asked if when I pay it that he would clear it from my credit history, he said yes. I asked if he could send that to me in writing he said they dont give anything written and that my assurance was on the recorded phone call. This did not sit well with me, so I said I will call them back later. After thinking about it, I figured I could see if I could record on my end, the conversation as my evidence of our agreement. I called the Collector a second time, this time the agent was XXXX. XXXX said that Maryland is a two party consent State and that he did not consent to me recording. I found this odd, since their automated system stated the phone call XXXX be recorded. I ceased the call at that point. I called a third time to try to get the Company Address to make a lump sum payment and got a PO Box address. I started to feel further uneasy about this Company and researched them. I found that on XXXX about their horrid business practice. Also furthered by more negative comments on XXXX  ( which Ive also filed a complaint ). I would wish to remove this debt from my credit history. Im willing to pay its full amount of XXXX however based on my research on this companys practice and my current interaction with them. I have no faith in them that my full payment would be properly applied to my debt and not removed from my credit history ( or at least, shown as Fully Paid Off ). I need help resolving this. I need a written statement on the Companys agreement with me and confidence that my full payment will be acknowledged and reflected in my credit history ( with the 3 Credit Bureaus, XXXX, XXXX, and XXXX, if applicable ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had made purchase of litecoin from Coinbase a few weeks ago paying their fees and their basic cost. I happened to check my bank statement and they withdrew XXXX usdt from my bank account overdrafting my account for an unauthorized payment of the same exact amount I had paid weeks prior. I had called and confronted them and they said they cant discuss it further with me and hung up on me. I am one of many who has had this happen to them. No purchase was authorized and nothing was given in exchange for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: SYNCHRONY FINANCIAL
State: TX
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 made a purchase on XX/XX/2018 at XXXX XXXX XXXX XXXX and financed the purchase with Syncrony Bank. The amount being disputed is {$4000.00}. However the store was unable to get the furniture available for me to pick up. After waiting longer than a month I requested a cancelation because I was getting monthly statements even thought I did not have any item on hand and had already made 2 payments. I thought they were going to charge the account until the items were ready for pick up. Either way, the store manager informed that he had processed a refund on XX/XX/XXXX but I still have the charge on my account. I called syncrony to open a claim and they told me I had to resolve with the store first and refuse to open a claim. I went to the store and the manager said there was nothing else for the store to do because a refund had been processed. The last time I called and requested to speak withe the manager they told me they had nothing else to do, that my case was closed. 

I called again Syncrony bank and they started a dispute. However I have not received a letter from them.It is been 1 month and 1 week that I opened the dispute the it has not been resolved. I asked for a proof that they are working on the case and they have no proof at all. Usually when I open a dispute I get a letter with the case or summary of the issue but I have not received anything. 

I have proof that I did not received any merchandise because the store manager wrote me a receipt saying I did not received the items but Syncrony is just not working on the case to get it resolved. My credit score has gone down because of this high balance. 

Someone needs to get involved in this so Syncrony can change their system on how they work on claims. It is not possible that a customer gets scammed this easily and they don't do anything. 

I have requested twice to speak with a supervisor from Syncrony and they keep getting my phone number to call me back. I have yet to receive a call. 

This is the info shown on my card Syncrony Financial 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 2020-05-30
Company: CAINE & WEINER COMPANY, INC.
State: RI
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:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My mortgage loan was transferred from XXXX XXXX XXXX to Carrington Mortgage on XX/XX/XXXX. Carrington Mortgage is not reporting my loan to any credit bureaus. This is greatly affecting my credit score and my ability to obtain credit. I contacted Carrington Mortgage on XX/XX/XXXX and was told by a customer service rep that they were supposed to report to credit bureaus in May, but at that time they were planning to report on XX/XX/XXXX. I contacted Carrington again on XX/XX/XXXX, and was told they would have to get back to me.

I'm filing this complaint to hopefully resolve this issue of no/slow credit reporting for myself and future Carrington Mortgage customers.

Company response to consumer: Closed with explanation