BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to stress you caused me. Due to my stay at home I found that my information was also impacted by Equifax data breach and may have gotten into the wrong person hands. I used this link below.

Equifax Breach Inquiry XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a foreign transaction fee for a transaction that was US based. Bank of America does not allow email or chat. Their automated phone service looped around and would never let me speak to an agent. It said i wanted my account balance ( i did not request ), then it said I wanted information regarding their veteran programs ( I did not ). I've been dealing with this for over a week now, and can not get anyone at Bank of America.

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 2021-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -CAPITAL ONE BANK USA NA # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: EQUIFAX, 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 belongs to someone else

Complaint:
ID THEFT NOT RESOLVED Source XXXX XXXX Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$51000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name XXXX XXXX XXXX XXXX . 
Phone ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX City XXXX State XXXX Zip XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
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: Their investigation did not fix an error on your report

Complaint:
XXXX is charging me for two accounts, and put two accounts into collections. when I have never used or operated a XXXX phone.

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 2020-10-10
Company: JPMORGAN CHASE & CO.
State: LA
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 purchased tickets for the XXXX XXXX in XXXX for a show that was supposed to be held in XXXX. Due to the pandemic, the show did not happen, and they are refusing to refund tickets purchased. I purchased several other tickets for other events and they generously refunded all money, and I'm uncertain why this " business '' wont do the same. How can you steal from people, and not offer them the opportunity to decide what they want to do with their money? The matter in which this situation has not been handled is very unprofessional with them failing to respond to my calls and emails. It should not be their decision to decide for me to attend the circus if they ever reschedule, nor should they make me wait for a refund until they decide to do so. With this pandemic, I would not even feel comfortable being apart of this, and it's uncertain if anything with a large crowd will ever happen anytime soon. To be forced to wait until they figure it out is absurd and unethical, and I only want my money back. It definitely should not be a hassle or an issue in doing so. I also ran into an issue with my bank. I filed a claim through them and the money was refunded, or so I thought. Until I saw on yesterday, XX/XX/2020, that the claim was reversed. When I inquired about this to the claim department with Chase, they said it was over the 120 day time frame. I asked why would I be able to file a claim if that was the case, and why was this not told to me when the claim was filed in XXXX? They did not have an answer. They just apologized and reiterated that it would not be refunded and to contact the merchant. The merchant was the first to be contacted and they are not issuing responses at all about this. I just want my money back and it should not be this hassle with my bank or the merchant in doing so. Please advise. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX, Is very upset that the credit bureau place negative things on my credit after I had send them my police report and My identify theft report they remove it and place it back on my credit with out my consent. I am very upset I have been getting turn down for credit. I have no knowledge of this debit they are trying to collect on. Please help me. I just don't understand how all three credit bureau take things off my credit and place it back with out me knowing it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Innovis
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX AND XXXX AND INNOVIS ARE FALSELY REPORTING XXXX XXXX US DEPT OF ED. XXXX. ON XX/XX/2019 THIS ACCOUNT WAS PAID IN FULL NEVER LATE AND CLOSED BY CONSUMER. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: ERC
State: VA
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 submitted an investigation letter, specifically requesting certain creditors. My request was sent on XX/XX/2020. Around XX/XX/XXXX, I received a letter stating that XXXX refuses to do any further investigation unless provided with proof. The problem with this response is as follows : 1. The creditor ( s ) have not validated the veracity of the records. Obviously, thats why theres a inquiry. 2. The responsibility of this institution is to provide accurate records to third parties. Obviously, theres a gap in that directive. 3.  This institution is obligated by law to investigate, require proof from the creditor, that validates their record. There are gross disparities in this system. Not to mention discriminatory practices based on race, sex, and economic status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: AMERICAN EXPRESS COMPANY
State: MS
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/2021 I checked my credit report and saw many unauthorized credit report inquires. XXXX  of them being American express on XX/XX/2021. I recently was a victims of mail theft in which they were able to obtain my birth certificate and VA letter containing my SSN along with other mail. They stated they would flag the application as fraud and would send me a packet in the mail stating it was canceled. However, I still have this fraudulent credit report check on my credit that I did not authorize. I have made a police report of the identity theft with the local police as well as the FTC. There is currently a freeze on my credit report that I have placed as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As a part of a liquidification plan with Chase on my Chase Slate and Amazon card, I made an arrangement months ago to make a payment on {$84.00} a month for the Chase Slate card and {$46.00} a month on the Amazon card. I made on time payments through auto-pay for every payment then got an email this month saying my account was overdue. The Chase representative and website set my checking account would be auto drafted those amounts until the card was paid of in 2024. When I saw that I got an email saying my payment was late, I called Chase and was on the phone with them for hours, disconnected all for them to tell me they " don't know what when wrong. '' I told them what their representative told me about the auto pay and they refused to listen to me. I lost my job before my job now which caused me to go on this liquidfication plan, but now despite me making a payment plan with them, they reported both of my counts delinquent which brought down my credit score 56 points when I worked so hard getting it up the past year. I told the representative I would  pay that day but they refused to take it off my credit report if though it is their system and representative error. I have to move into an apartment soon and due to the 56 point drop I had overnight because of this horrible company 's issue, I am not going to get approved now. I paid off several of my credit cards the past year and this has set me back significantly when I worked so hard to improve my life and credit. I need them to take this off my credit report immediately because it was their fault that they told me they would auto-draft from my account until 2024 and then just suddenly stopped the auto-pay without informing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My FICO dropped on my two XXXX cards. Called both card customer service # s and was told they did not have that information. One said Equifax was the reason. I called Equifax customer number and spent 30 to 40 minutes trying to get information on my report. Never got any answers just a parade of questions indicating they didn't have any information. This company made me feel that I had ingaged in mission impossible. Was is it so difficult for that actual customer to get this information XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
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 belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-05-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was a victim of fraud where my debit card got stolen and had chargers on the account. When I called the bank they said they werent fraudulent. When I looked at the place Of the transactions they were no where need my address. After this the bank closed my account took the XXXX and said we are no longer able to maintain your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: SYNCHRONY FINANCIAL
State: NY
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:
My son who lives with me opened 8 credit card accounts under my name without my knowledge or permission. All of the accounts are with synchrony bank and the refuse to remove them off my credit.

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 2021-08-18
Company: Revenue Assistance Corporation dba Revenue Group
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The Revenue Group calls my job, place of work and family all the time. They use threatening language. I've asked them to stop but they continue to harass me and about to have me fired from my job from the repeating calls and threats

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Spring Oaks Capital, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been trying to reach out to the 3rd party debt collector Spring Oaks Capital ( On behalf of/debt purchased from XXXX XXXX XXXX ) by mail so that a settlement resolution can be reached in writing. However Spring Oaks Capital has continued to call me over the phone where in my letter I expressed that I need to be reached via mail to a new address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One admits error in stopping payment on a close out check sent to myself on XX/XX/XXXX, they reissued check which was intercepted by someone else while I was away and cashed. However, they refuse to reimburse me for lost funds which they still owe me. The check amount is XXXX plus overdraft fees incurred as a result of stop payment error, documentation of these fees was previously emailed to an address provided by Capital One manager ( s ), no response received. A copy of the cashed check in question was received by myself, I had requested a copy from a manager ... The signature on it is not mine and Capital One knows this, they have a signature on file form I believe, they still refuse to do anything. They refer me to security intake team whom does not return calls, the same for a XXXX XXXX, she leaves her number in previous replies to CFPB but has not returned one message out of seven ( 7 ) left so far. She refers to a previous check deposited via mobile app from a XXXX XXXX whom I do not know, this is the same person who signed check in my name, cashed it. The check she refers to I have no knowledge of and has nothing at all to do with forged check, this appears to be a lame attempt to avoid reimbursement of lost funds which again, is in their error. She requests additional copies of documentation showing overdraft and return check fees, refers me back to security intake team whom does not return calls/messages, the same for herself. As anyone can plainly see, this is a mere run around which is a shame as this matter wont go away. Suit will be filed unless Capital One will reimburse for lost funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-05
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied on XX/XX/2019 for a XXXX Chase credit card to receive a {$200.00} credit on my XXXX flight to XXXX for my nephew 's wedding. I understood there would be an annual fee as well of {$69.00}, so the net savings was about {$130.00}. 

Instead when I applied and approved -no credit card information was provided at the end of the transaction. I had to wait for the hard copy, relocate the offer and book my flight. 

At the end of the transaction the web page did not display the {$200.00}. savings. I called XXXX and was assured it would be credited after I made any purchase " even a cup of coffee '' on the card. I never got credit on my Chase statement after spending {$900.00}. on the account, so I contacted Chase directly. I spoke to two customer service reps who told me they couldn't help me or verify that there ever was an offer of {$200.00}. off at the time I applied for the card. I then spoke to a manager in the corporate office in XXXX Ohio, who told me I had signed up for XXXX bonus points not {$200.00}. off and to give me the {$200.00}. off would actually be a downgrade and she could not do that. 

I escalated the complaint to the owner of company in New York. Someone called me on around XX/XX/XXXX to tell me although she XXXX confirm that there was a {$200.00}. off offer in XXXX when I applied for the credit card account, that her position was that when I bought the ticket it was on a URL for XXXX bonus points. So the fact that I applied and opened the card on the {$200.00}. off page and experienced web issues that prevented me from booking the flight that day, was nothing she could do anything about. 

I have my entire browsing history saved. A XXXX search showed similiar bait and switch situations related to JP Morgan Chase Credit Card Services and XXXX flights. JP Morgan Chase accepted no responsibility for their failure to issue a temporary credit card number so I could book the flight that same day. 

I therefore incurred a {$69.00} annual fee for a card that achieved nothing for me when the objective was to get {$200.00} off my flight to XXXX. As I pointed out to the last representative on XXXX XXXX or thereabouts, this is preying on people in tight financial situations and then switching the offer and proffitting from it by this practice. 

I have used other cards tied to airlines and the process is seamless. You apply, you get approved, you get your $ off with little or no wait. 

I don't expect JP Morgan to make this right at this pint, but I want to make your agency aware of this very shady practice to protect others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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 called Capital One XXXX  in order to have the two credit checks placed on my credit report removed. I was hung up on one time after being on hold for 25 mins. I called back to try and get the issue resolved and am still on hold. Recently my birth certificate was VA letter contain my SSN were stolen form my mailbox. I have made a police report and made a case with the FTC and FBI. Someone fraudulently had my credit report checked on XX/XX/XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: AmeriCollect
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have recently put a identity freeze on my report because of fraud there is an account in collection in XXXX that is reporting in collection the creditor name is " Americollect Inc. '' i believe that this is in regards to a medical bill, but i have not seen any doctors this years. i tried calling XXXX to let them know this but no one got back with me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX XXXX : XXXX XXXX Account # XXXX XXXX  To Whom It May Concern : I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. I request to be notified of the outcome of this correspondence? 
Thank you Sincerely,

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 2021-08-18
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently checked my Experian report and saw a fraudulent collection from XXXX XXXX XXXX. 
I have never done business with this company I dont know this company this company doesnt have a contract with my signature. 


I reported a fraud report with FTC.gov on this situation.

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