BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
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 belongs to someone else

Complaint:
On XX/XX/2017 company XXXX XXXX had charged me for an amount of {$350.00} claiming I had used Ambulance Service in the City of XXXX at the time ( never in my life have I taken an ambulance ) I initially noticed I only saw it on XXXX  credit agency and began to receive letters in the mail from XXXX regarding this charge/ account. I first contacted XXXX XXXX asking to remove this false charge and letting them know they have the wrong person since I was never in XXXX CA in XX/XX/2017. I did not want to give them any personal info to confirm my identity after finding out they have a reputation online for scamming people. So I called XXXX  to file a dispute and they resolved it and removed it from my XXXXn Report. Present day, I come to find it was also on my Experian but this time the amount is an outstanding {$460.00}. The fraudulent charge/ account had been on my Experian report also since XX/XX/2017 and I was unaware. I tried to contact XXXX XXXX to see if things were different this time and they can remove this charge, but they continued to ask for personal information which I was not comfortable giving them. I tried to resolve the issue the same way I did with XXXX  and after two disputes being filed, Experian is claiming the fraudulent charge/account from XXXX XXXX to be accurate which is not the case at all. In the beginning when I was receiving letters in the mail I remember checking the date of the supposed use of the services claimed by XXXX XXXX and I was scheduled to work at my previous job. I cant recall that exact date since its been years, but I was at work XXXX  the day of.

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 2020-05-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was banking with Chase Bank. On XX/XX/XXXX, I was got until XX/XX/XXXX. 
when I came back I went to the back to check my balance, I was told my account was closed up because of efficient fund. the fund was taken for services to the last penny. 
I did complain to the bank, but, the respond was I can not get my money back. it was used for services. 
I filled complaint with Texas office of the comptroller of the currency. nothing was don. 
the amount was between XXXX to XXXX dollar. 
and this is the JPMORGAN CHASE BANK who took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: NC
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:
Metro 2 Format is the industry standard for reporting accurate, complete, and timely information and that The data should be reported according to the specified definitions in order to process credit information correctly. The following data within ACCOUNT # XXXX fails to conform to the industry standard and as inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: VA
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:
A dispute was placed on XX/XX/2020, to both Equifax and MD child support for negative marks reported on my credit report. I have not supplied proof under the doctrine of estoppel, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt in fact exists. It has also surpassed 45 days and no response from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Opened XX/XX/XXXX. Paid XXXX. On XX/XX/XXXX / payment made / confirmation XXXX. XXXX XXXX / XXXX XXXX. Account / XXXX. They forced me to make a payment after putting it on the credit report. Called and harassed me. it is still on credit report. They said they will take it off in 5 business days. Left multiple messages and called in got the run around..

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 2021-11-27
Company: BAM Management US Holdings Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I attempted to establish a Binance.us account and provided a significant amount of personal information. The site indicated that there was a problem with address verification, which I attempted to correct a number of times ( I have lived at the same address for 10 years and submitted the exact documents they requested ). I sent numerous documents, emails and support tickets seeking assistance to fix the problem and never received a response. I then asked them to close, delete, or deactivate my account and received no response. I fear that this company is a fraud after months of attempting to make contact with no response. I provided personal information and now need verification that the information has been deleted or deactivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: NV
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:
The lease was paid in full at the end of 36 months. After we dropped off the car and was told that everything was done, four months later XXXX contacted us to tell us that we owed a drop off fee. This was never disclosed at the actual drop off of the car. When it was brought to my attention, we immediately paid the bill. XXXX never mailed us or called us to bring to our attention that we owed anything until 4 months after the actual drop off of the car. Ever since then, XXXX has wrecked havoc on our credit. Saying we missed 4 months of payments. Then saying we was late 90 days twice in two different years. If you check our accounts, we had a perfect payment history with them on three separate accounts. Even now on our experian accounts, the account in question shows paid in full 100 % on XX/XX/2018 followed immediately by a 90 late accusation. We've asked XXXX to fix this and filed disputes with the credit agencies to no avail. All XXXX does is keep misreporting and affecting mine and my wife 's credit. Please remove this erroneous blemishes from our 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 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have filed several complaints against XXXX XXXX XXXX for the same issue. They admit that payments are falsely reported as late and then they correct it when I file a complaint only to go back and add the same information back to my credit report at a later date. This was just corrected onXX/XX/XXXXand then on XX/XX/XXXX they add the negative information back to my credit report again.

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 2021-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This so called company is trying to collect on a Walmart card. Number 1 its an old debt. Number 2 I have a letter paid in full and its off my credit. Number 3. Many fake debt collectors try to collect on this one card. Number 4. They refused to validate the so called debt I dont owe this. They know my personal information. Thats scary they hung up on my when I said oh my XXXX about the Walmart card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: General Motors Financial Company, Inc.
State: MI
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 turned in my lease a year ago. 

this is still showing as active on my credit report. I am trying to purchase a house and this debt is inhibiting me from being able to purchase I called to make sure that I was closed out. They confirmed i was closed with a {$0.00} balance. It is showing on my credit report as still open at all 3 bureau and that I have a balance of {$23.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am a consumer, and I feel my federally protected rights have been violated. I sent a " Cease and Desist '' letter via Certified Mail on XX/XX/21 telling Chase to no longer contact me regarding the debt on my account. I received a letter from them dated XX/XX/21 which stated that they would no longer contact me. In spite of that letter from Chase, they contacted me on 2 separate occasionsXX/XX/21 and XX/XX/21. I felt extremely stressed out after receiving those 2 separate notices. I thought they would no longer contact me, but they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Duvera Billing Services, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Duvera Billing Services is incorrectly reporting a debt in the amount of {$1000.00}. Their records show an account was established on XX/XX/2015 for an Installment Sales Contract loan.Their records show that 13 % of payments were made as they automatically deducted the amounts from checking account after numerous attempts to change payment terms, frequency and amount. I was told I could change the billing frequency and due at any time and then was told nothing could be changed. Upon review of the application and credit report, I determined that the loan was granted because the store fabricated information in the app to get me to qualify for the Installment Sales Contract.  They lied and said I was a manager and changed income amount from what I reported. I saw they misspelled my employer name and lied and said I was a manager when in fact a Host. The store advertises everyone approved because they are adding things to consumer apps to get them qualified for a Installment Sales Contract and are not properly explaining the repayment terms and are doing business unethically. The payments were only made because I they automatically deducted from the account I provided and I hate to put a freeze on the account because they said that I could make new arrangements but kept deducting payments.They need to make sure they are doing business ethically and not lieing to consumers and ruining credit. The collection could have been avoided if I was not lied to about being able to change payment arrangement due dates and frequency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: EQUIFAX, INC.
State: MO
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:
Equifax has the same entry listed twice for a debt in 2015 with XXXX XXXX XXXX XXXX, I have tried several times to get the duplicate removed, and also for them to supply the correct dates on this account. For some reason the date is never correct and the account is showing up twice on my report. 

XXXX  account has also been changed to the current date. I have been trying to get these companies to supply the correct information since XXXX of last year and who ever is supplying the information continues to change it to fraudulent status 's and doubling the entries. This is harassment. 

As you can see from the attached letter the company XXXX XXXX XXXX XXXX never supplied this information to either company. 

Either remove the entries or get the dates correct this is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 and was approved for a venture one / capital one visa XX/XX/XXXX. Prior to making application by phone, I call, spoke to a rep and confirmed that I was applying for and eligible for the offer that was mailed to me ( 0 % Intro APR on purchases and transfers until XX/XX/XXXX ). Again when the card was received in the mail, I called and spoke to a rep and confirmed that I was eligible for the 0 % Intro APR on purchases and transfers until XX/XX/XXXX offer. The rep also provided me with details on how I could complete a transfer by phone on XX/XX/XXXX. I called on XX/XX/XXXX to complete the transfer and was placed on hold approx 20 minutes before being able to speak to a supervisor ( XXXX, VA call center ) who told me that I was enrolled into a card with a 17.99 % apr and that I was not enrolled in nor eligible for the 0 % apr offer for which I originally applied. He then went on to describe a lengthy process by which I was required to submit documentation in order to have my concern reviewed. Business Info : XXXX XXXX XXXX XXXX . XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I filed a previous complaint about this claim in collection, whereas I never got notice of the debt or time to challenge it's validity. Eastern then sent me a copy of a invoice but never proved they or their client ever sent it to me during the 30 or so days prior to placing it in collections and placing it on my credit reports. Just because you make up an invoice does not prove I owe it nor does it prove I was ever given a opportunity to challenge it, this according to Texas State Laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2018, I received two Bank of America letters regarding Secured Business Credit Cards ( Application #, where I had to open a CD in the amount of {$1500.00} in order to process and open the two credit cards.

I applied for one CD on XX/XX/2018 ( Confirmation # XXXX ) and another CD on XX/XX/2018 ( Confirmation # XXXX ). I received two emails saying that " Online application is in progress '' but never received the account numbers or confirmation of opening. Subsequently, Bank of America withdrew {$1500.00} on XX/XX/2018 and {$1500.00} on XX/XX/2018. I have proof of the withdrawal on my bank statements. 

When I called the CD Department, they were unable to locate the accounts and said to call back another time. 

I submitted the Applications # XXXX and # XXXX on XX/XX/2018. I received email confirmation of receipt for them. 

On XX/XX/2018 I called in to Small Business Underwriting to see where we are at. The rep said I have to check with CD first and gave me the run around.

I am out {$3000.00}, no account confirmation of CD 's, and can not even open my two secured business credit cards. This is highly unprofessional.

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 2022-01-06
Company: FRESNO CREDIT BUREAU
State: CA
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 have a medical collection on my credit report. When I asked them to verify the debt they violated my HIPPA Privacy by supplying private details that I did not authorize to be released.

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 2021-08-24
Company: EQUIFAX, INC.
State: DE
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 have sent certified letters to each bureau to correct the issue reflecting on my credit report as being late. I have NEVER BEEN LATE. Here are the accounts : XXXX XXXX XXXX # XXXX shows late XX/XX/XXXX. 
XXXX XXXX XXXX # XX/XX/XXXX, XXXX XXXX Shows late. XXXX XXXX XXXX Belongs to my ex-husband and NOT TO ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: CURO Intermediate Holdings
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted speedy cash 3 weeks ago about a debt that is being reported on my credit report. The debt says I owe XXXX with a payment of {$230.00} a month. When I originally contacted speedy cash, the debt was only on transition and XXXX. I contacted the consumer reporting department and the representative that I spoke with said I would need to contact the fraud department to make sure this debt was not opened by someone else in my name. When I contacted the fraud the department, the representative said that I did not owe anything and there was nothing to dispute but he would annotate my account to note that this debt was paid. I contacted speedy gash fraud department a week and half later to see if the debt was removed. The representative that I spoke to said that she could not file a fraud case because it was not fraud and that I needed to contact their consumer reporting department I explained to her that I had already contacted them. I contacted the consumer reporting department again and the representative stated that speedy cash would update the balance to reflect a XXXX balance and that it would take a week for it to be removed. I asked the person that I spoke to for a letter stating that I did not owe anything to speedy cash and she stated that she was unsure if they could send me anything. At that time, this balance was only reflecting on my XXXX  and XXXX report. Today, I check my report, not only has the item not been removed but they also placed this balance on my XXXX  credit report. I explained to this representative that I am in the middle of purchasing a home and this balance is affecting my ability to process my loan. Can you please either remove the incorrect information from my report or provide me with a letter stating that I do not owe anything to speedy cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft in 2017. the debt was cleaned from my record. But, yet a debt collector is trying to get money from me. I am not paying for this debt. It is not mine and it has been removed from my credit report. They are still trying to get money from me despite the debt not being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: TD BANK US HOLDING COMPANY
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:
I was unemployed from XX/XX/XXXX to XX/XX/2018. In XX/XX/XXXX I asked for an extension to help me out during this time. I was told I would qualify and per the agent 's explanation wouldnt need to do anything else. With this issue I thought behind me I focused on moving for my new job. When we applied for a rental house we discovered my credit had been marked. This was the agent 's fault. The XXXX   complaint was responded that they tried to reach me, but again we had moved and I had updated this with the agents. I want the 30 day delinquent mark removed.

Company response to consumer: Closed with explanation