BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I purchased a refurbished exercise equipment from business called XXXX XXXX via an EFT transfer for {$2800.00}. I provided the business with my checking account information so that they can do the EFT transfer. 

My bank ( Chase Bank ) called me on XX/XX/12 to make sure I did authorize the payment and I did confirm that. I called them very shortly after to ask if I'm protected in case the business is scamming me and the guy on the phone said yes. I specifically mentioned EFT transfer and his answer was yes. Both phone calls are supposedly recorded. 

Unfortunately, I started having suspicions of the business right after I authorized the payment ( just reading bad experiences from people on several web sites ). Because Chase bank told me I'm protected, I was less worried and took the chance. 

I think I would have had a chance to immediately cancel the payment had the Chase bank associate told me that I was not protected. 

A week after that ( don't remember the exact date ) and after I have not received any response to an email I sent to XXXX XXXX, I called the bank and asked them to recover the money. 

This time, Chase told me that they can not help me because EFT transfers are not covered under federal consumer protection laws. 

I already filed complaints with XXXX, Attorney General of Texas, and the FTC. The FTC directed me to file a complaint with you regarding my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Kentucky Higher Education Assistance Authority
State: KY
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 signed an original contract with KHEAA ( Kentucky Higher Education Assistance Authority ) which obviously sold my information to this other company that I never had no original contract with which was XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). Also, Public Law 10, Chapter 48, 48 Stat 112. Refers to XXXX XXXX which removed all the lawful gold and silver from the State to pay its employees, and for the People the means to receive pay for sweat equity and pay debt. In XX/XX/XXXX-President XXXX   passed XXXX XXXX, XX/XX/XXXX- and since the government had taken the gold, and the People had no money, the government would pay the 'debts ' for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If they do, they are in breach of Public Law, PL 73-10. This law protects the people from damages caused by the Federal & State.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 there was a credit card account opened from XXXX XXXX in the amount of {$4500.00}. I have disputed this and it has been handled on all ends and every bureau. This 3rd party company is now attempting to collect the debt after its clear its my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Experian Information Solutions Inc.
State: MD
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:
A while ago, I contact the credit reporting agencies about XXXX XXXX inaccurate account balance and my concerns were ignored. 

I informed the credit reporting agencies that XXXX account balance is {$0.00} and not over {$27000.00} that was reported at the time of dispute. I requested for the account to reflect such or be deleted from my credit report. 

To date, the account has been closed and the balance was updated to {$21000.00} and not {$0.00}. 

Per the FCRA, credit reporting agencies suppose to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history and they failed at doing so. 

Attach you will find a close up of my XXXX credit report, which I found in my cell phone photos of XXXX XXXX balance amount {$0.00}. 

XXXX XXXX XXXX XX/XX/

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 2021-04-10
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
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:
Every month since XX/XX/2018, I have sent a certified letter to all 3 credit bureaus requesting the information from the creditor Credit Acceptance be removed from my account. In XX/XX/2018, this vehicle was stolen. The company ( Credit Acceptance ) stated they had GAP insurance with my loan and would be taken care of. To date, they are still reporting my loan every month as 120 days past due. I have spoken with the company, the collection agency that now owns the loan, and etc on multiple occasions. NO ONE will help me resolve this matter. This is the only negative thing I have affecting me from purchasing a home. I have tried so many times to get this account resolved and DELETED the inaccurate information of over 30 missed payments from my credit report I have no choice but to file a complaint. This company, the credit bureaus, and the collection agency has EVER followed up with me after I have sent them dispute letters to verify any type of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Southwest Credit Systems, L.P.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX it currently shows that I owe a balance of {$1900.00} to Southwest Credit Systems who is trying to collect a debt on the behalf of 11 XXXX XXXX. I have no knowledge of the company or the original creditor. I currently have a prepaid phone plan. My identity has been stolen please help. This account was opened XX/XX/2020 according to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Experian Information Solutions Inc.
State: MD
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 filed bankruptcy in XX/XX/XXXX. 
Prior to filing, I had not missed any payments on 15 accounts that I had. 
Once I filed, an automatic stay was filed. 
The bankruptcy is now discharged. 
XXXX and XXXX  are reporting my file correctly. Experian is not. 

They are showing negative payments on all 15 accounts in my credit summary. 
However, when I try to dispute them, it will not allow me to select " Payment never late '' as a reason. It then states that the payment was never late. The same happens on all 15 accounts.

So, in short, my credit score with them is based on 15 late payments even though they say payments not late on each individual one. 

I attempted to dispute and explain on XX/XX/XXXX and XX/XX/XXXX, both times nothing was changed with the negative payments My score is around 100 points lower with Experian because of this

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 2022-08-09
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
PNC Bank has closed my account unannounced after I filed a dispute and they issued provisional credit. However once the credit was issued they closed the account and I wouldve complied with anything they wanted from me to help resolve the issue but instead they dont ask for that and close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I feel lied to by them they wrote me a letter confirming my account had a XXXX balance and I would receive my deposit for my secured card in full after calling I was transferred to multiple people horrible experience and then they said their is a balance of XXXX I said what for they dont know but I had a XXXX balance their was fraud on this account I want my deposit in full as they told me their executive office doesnt call me only writes letters and now I have to wait 3 more months this is ridiculous Ive been waiting for months for my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-25
Company: BYL Collection Services
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against BYL SERVICES. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, XXXX. notify creditors XXXX. police report XXXX. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have found several errors and violates on my credit report. My consumer rights are being violated according to various consumer laws. I have filed a ftc report previously and 5 accounts have reappeared. According to 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) the credit reporting agencies can not reinsert items.

There I no permissible purpose for the furnishing of these accounts 15 USC 1681b ( a ) ( 2 ). Also according to 15 USC 1681 a ( 3 ) Identity theft is fraud committed using identifying information of another person. According to the FCRA definition these accounts are definitely identity theft

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 2021-01-20
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXXXX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : XXXX XXXX XXXX XXXX. 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX/XX/XX/XXXX-XX/XX/XXXX/XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: HOME FINANCE OF AMERICA
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I purchased a home in Nevada. We went through a loan broker and were provided a loan by XXXX XXXX. Before our first payment is due, XX/XX/XXXX XXXX XXXX sold our loan to XXXX. I do not want a loan with XXXX. 

We have excellent credit and never missed a payment. Had I known they would have done this I would never obtain the loan through them. Our loan broker said they were a direct lender and retained their loans. We were lied to. The broker is XXXX XXXX out of XXXX. Do we have any recourse? I am very upset. This is fraud.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-09
Company: Experian Information Solutions 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 have contacted XXXX  XXXX XXXX Creditor Representative and asked about any credit applications I have applied for. She responded and said she could not find my information in her system. Stating I never applied for a credit card with XXXX  XXXX XXXX. She then tranfered me to XXXX XXXX XXXX Checking account Representative and he also explained there is no evidence of me applying for a credit application with them. And I only had a checking and savings account with them. Therefore the two inquiries XX/XX/XXXX and XX/XX/XXXX should have never been on my credit report. XXXX the Checking Account Representative for XXXX  XXXX XXXX is sending me a letter to verify I never did a credit application with them. And I would like for those two inquiries on my credit report to be deleted. Please and thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Here we go again. Every XXXX months my credit file is incorrect, wrong, and screwed-up. Equifax permits it and they are complicit with the reporting company. It is fraudulent and unfair. I am really tired of filing complaints against Equifax. They keep putting someone else or a family member 's address on my credit file. XXXX XXXX XXXX XXXX, Georgia XXXX ISN'T my ADDRESS. They keep putting XXXX XXXX. fraudulent debt on my credit file. It ISN'T fair! It caused me a XXXX. mortgage loan. It ISN'T unfair! Equifax will not let me breathe and they stubbornly refuse to take their knees off my neck. I have sent my proof of identity to them several times. I am getting XXXX by Equifax in broad daylight. Please help. Sadly, I am paying monthly service for XXXX, and Equifax.com. I am XXXX. PLEASE HELP ME REMOVE XXXX XXXX. OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX and XXXX XXXX XXXX ran my credit without my authorization. When informed XXXX and XXXX that I did not have a signed contract with these dealerships nor was it authorized, they refused to delete the inquiry

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 2018-06-11
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 belongs to someone else

Complaint:
I have a mortgage reporting from XXXX XXXX  on Experian and XXXX. I have never had an account with them let a lone a mortgage. I have written to both bureaus and XXXX XXXX multiple times and have been unable to get any assistance. The account number for this account is # XXXX. Also my ex 's name keeps on appearing on my credit report under Experain. I have also asked for this name, XXXX XXXX XXXX, to be removed multiple times.

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 2018-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have a mortgage reporting from XXXX XXXX on XXXX and TransUnion. I have never had an account with them let a lone a mortgage. I have written to both bureaus and XXXX XXXX multiple times and have been unable to get any assistance. The account number for this account is # XXXX. Also my ex 's name keeps on appearing on my credit report under XXXX. I have also asked for this name, XXXX XXXX XXXX, to be removed multiple times.

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 2021-08-17
Company: FIFTH THIRD FINANCIAL CORPORATION
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 opened my mortgage with MB Financial, since i opened my mortgage with the above company i made payments from my business account to pay the mortgage and everything was going smoothly with the payment history. in XXXX of 2019 Fifth Third Bank bought the mortgages from MB financial. and started to return my payments after a while i realized what is happing that fifth third bank is not accepting my payments. so i got in contact with fifth third bank and ask why they are not my reporting my payments i am sending, they told me they can't accept this kind of payment because checks has to come from my personal account ... i complaint to the supervisor from fifth third bank that its not legal to not notify me that they will not accept this kind of payments i was used to make to MB financial, because they didnt notify me of their changes in accepting my form of payment, they report lates on my credit report since XXXX of 2019. the supervisor of fifth third bank assured me he will take care of it and make sure fifth third bank is reaching out to all 3 credit bureaus to remove the negative marks, till today fifth third bank didn't reach out to the report companies to remove the lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 DAYS LATE? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-20
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: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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