BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-23
Company: EQUIFAX, 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:
When Covid  hit my wife and I looked into mortgage payment deferral with XXXX XXXX. She was temporary out of work. But we did not sign up for it! We continued making our payments and discovered we had Forbearance on our credit from XXXX XXXX. We have since asked them to remove it and they have not stating they needed to do an investigation before they could remove it. This is unacceptable!!! We have never been late or missed a payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The debt collection company known as IC Systems purchased the debt of {$310.00} dollars from XXXX XXXX XXXX and did not send notices and correspondence regarding the debt. Instead, they reported the debt to the credit reporting agencies. I found out about the debt through XXXX XXXX. This is a clear violation of the Fair Debt Collection Practices Act. The debt collection company did not verify that the debt was mine. I never received any notices about this debt, and I do NOT owe this debt. Once I learned of the debt, I contacted the company to dispute it and the company refused to dispute it and remove the collection from the credit reporting agencies. Instead, they sent a letter threatening to report the debt to the national credit reporting agency. I am NOT paying what I do not owe.

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 2022-12-14
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$870.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello. I have been banking with chime for multiple months until XX/XX/XXXX of this year, when they notified me my account would be closed. They asked for documentation to re open my account which I promptly cooperated and submitted everything. About a day later they notified me my account would remain closed and my funds would be seized. They didnt tell me why and now its been 2 months and they wont respond, they just keep saying it will be brought to an account specialist This is criminal, this is disgusting and it is illegal, it clearly violates the consumer act. 
I have done some research and it shows this is a common occurrence by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: EQUIFAX, INC.
State: KS
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:
In XX/XX/2018, my wife and I filed for bankruptcy ChXXXX. I understand that the bankruptcy stays on your credit report for ( 10 ) ten years. ( It should be only ( 7 ) seven years. ) My own opinion. But anyway, our complaint is with the ( 3 ) three Credit Bureaus who is showing our filing of bankruptcy with the notations that saying, " SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED, PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS, TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN, NUMBER ACCOUNTS WITH DELINQUENCY ''. 
ALSO, a high-risk fraud alert was completed saying XXXX and XXXX took place with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I paid {$220.00} to XXXX XXXX/AmeriNat for a subordination agreement for a forgivable loan ( as long as I stay in my home ) which they have refused to grant.. I need to refinance my first mortgage with cash out to consolidate {$25000.00} in credit card debt.. 
So I need to payoff my first mortgage of {$8800.00} with a refinance and {$25000.00} to consolidate but my problem is thaXXXX XXXX XXXX/AmeriNat will only allow me to refinance the {$8800.00} which does not allow any cash out for me to consolidate my debt of which I wasn't aware of at the time in XXXX 
My Income  from Social Security XXXX is only {$15000.00} per year, my home has over {$80000.00} in equity as of an XXXX appraisal, a credit score in the 700 's with 0 late payments ever and 0 derogatory remarks .. XXXX XXXX was going to loan me the cash to consolidate it all into a single payment but after waiting 4 months for a XXXX XXXX  closing date, XXXX XXXX/AmeriNat destroyed any chance for me to survive.. Banks choose not to be in 3rd position and I don't have {$8800.00} to pay off the First Mortgage with XXXX XXXX.. My days are numbered when It shouldn't have to be.. 
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 2020-11-01
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX a case was opened against me through Paypal stating that I billed a client in duplicate which was a false accusation. Paypal proceeded to withdraw money from my account in the amount of {$2500.00} placing my account into a negative balance. I had used Paypal as a credit card servicer for my client 's convenience and had invoiced a client through Paypal. Once services were completed for that client and they final invoice had been paid by the client, the client then filed a complaint saying that they had been billed in duplicate which was not the case. There were two invoices for the services provided the first invoice being for 50 % of the contract fee and the remaining 50 % of fee due at completion of the project. Once the final 50 % was billed and paid by the client, the client proceeded to say that the final 50 % was billed as a duplicate charge and Paypal wrongfully withdrew that amount from my account. Paypal has essentially helped this client steal back payment from me without any evidence and is now imposing fees in addition to the withdrawal of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I never paid this credit card late. There are dates that the credit said Ive paid late which is inaccurate. This is an error and I want this fixed.

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 2020-11-01
Company: Experian Information Solutions Inc.
State: CA
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:
OnXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I provided notice of a compromised XXXX account. The investigation has taken over 30 days and has not fixed the error in my report. My notices were not " frivolous or irrelevant '' ; the error is now causing hardship - AI, algorithms, and predictive analytics are biased, inaccurate and a systematic issue. My credit score goes up and down by 10+ points when I dispute out of retaliation or just plain old bias and ignorance. The investigation did not comply with the statute and CRA did not ensure the accuracy of the information transmitted for inclusion in the report. ( 15 U.S. Code 1681n. Civil liability for willful noncompliance. )

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 2022-12-14
Company: EQUIFAX, 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XXXX sent letter to company stating the balance of {$630.00} its not my account its was open without my consent or knowledge the account was established by identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: JPMORGAN CHASE & CO.
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015 I applied to a job on XXXX. The job contact XXXX XXXX informed me via email XXXXXXXXXXXX I met all the qualifications for the job and to contact ( XXXX ) for an interview. The interview took place on yahoo messenger. I was given an identification number for the online hiring process " XXXX. '' After completing the interview questions on yahoo messenger I was told that I would receive a cashiers check in the mail to buy supplies to set up an office space. The check arrived in the amount of {$2800.00}, I was told to deposit the cashiers check then withdraw funds to wire via XXXX XXXX or XXXX XXXX. The funds were wired as asked my potential employer. On XXXX/XXXX/15 Chase Bank mailed me the check stating it was Altered/Fictitious. The total amount wired via XXXX XXXX was {$2700.00}. This scam was reported to XXXX XXXX Police Department and a complaint was filed with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: BARCLAYS BANK DELAWARE
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Dispute is with Barclays Bank Delaware Upromise credit card. I Purchased a deposit for a sailboat charter XX/XX/XXXX for {$940.00} with balance completed on XX/XX/XXXX of {$2900.00} totaling {$3800.00}. Charter was cancelled due to hurricane Irma and merchant did not want to refund so credit card company credited account on XX/XX/XXXX. Merchant ended up refunding {$3800.00} on XX/XX/XXXX so account was overfunded. XX/XX/XXXX credit card company rebilled {$3800.00} balancing the account. XX/XX/XXXX credit card company rebilled again but the amount of {$2900.00} and then credited back the amount {$2900.00} on XX/XX/XXXX once again balancing account. XX/XX/XXXX the account was credited again for the amount of {$2900.00} leaving the account overfunded. On XX/XX/XXXX the account was billed not once but two separate charges of {$2900.00} totaling {$5800.00} leaving the account negative {$2900.00}. I have placed multiple calls and waited for call backs or any corrective measure to be taken. As of XX/XX/XXXX I have not had this issue 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 monetary relief
Consumer complaint received 2020-07-13
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for a CITI Double Cash Card on XX/XX/XXXX and got approved on the same day. I was told I would receive the card within two weeks. I didn't. I waited for about a month and called them, They said the card might be got lost and they were going to send me a new card in a week. Again, I didn't receive the card. I called again after waiting for a couple of weeks. This time they told me they closed the card and I would have to apply again if I needed the card. I was shocked. Later I came to know this incident could affect my credit report and consequently creditworthiness. Therefore, I have decided to file this complaint.

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 2023-06-12
Company: EQUIFAX, INC.
State: IL
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:
Equifax is reporting inaccurate and unverifiable information on my credit profile. I have reached out to dispute this information and they said the information was verified. I have reached out the court and they furnished me a letter stating they have not verified nor reported any information any credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I previous submitted a letter to Experian credit bureau to investigate items on my credit report on two occasion and i did't receive any response.

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 2020-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
IN XXXX MY IDENTITY WAS USED TO OPEN FRAUDULENT CREDIT ACCOUNTS IN MY NAME, A POLICE REPORT AND A FEDERAL IDENTITY THEFT AFFIDAVIT WAS FILED AND A INVESTIGATION WAS OPENED, AS OF TODAY MY IDENTITY HAS BEEN RECOVERED, AND THE INVESTIGATION INTO THE FRAUD IS NOW CLOSED, I HAVE RECOVERED FROM THIS IDENTITY THEFT, BUT WHEN MY IDENTITY WAS STOLEN THE THIEFS AP ; PLIED FOR NUMEROUS CREDIT, LOANS, AND CAR APPLICATIONS IN MY NAME, AND THOSE INQUIRES ARE STILL REFLECTING ON MY TRANSUNION CREDIT REPORT, I MAILED TRANSUNION A DETAILED LETTER OF THE ACTIONS THAT TOOK PLACE AND INFORMED THEM OF THESE FRAUDULENT ACTIVITIES THAT HAD TOOK PLACE, I ALSO MAILED A COPY OF MY POLICE REPORT ALONG WITH MY FEDERAL IDENTITY THEFT REPORT TO SUPPORT MY CLAIMS, 0N XXXX XXXX, TODAY I RECIEVED A LETTER FROM TRANSUNION STATING THAT THEY COULD NOT HELP ME FOR TWO REASONS THE FIRST REASON WAS THEY SAID THAT THE INQUIRES IN QUESTION ( XXXX XXXX, XXXX XXXX, XXXX, ) WERE NOT REPORTING ON MY CREDIT REPORT, THEN IN THE SAME LETTER SAYS THEY CANT HELP ME BECAUSE THEY DETERMINED THAT MY REQUEST WAS MADE IN ERROR,, A MISREPRESENTATION OF MATERIAL FACT, OR I HAVE OBTAINED POSSESSION OF GOODS, AS A RESULT OF THE TRANSACTION AT ISSUE, THESE ALLIGATIONS ARE FALSE AND WAS DETERMINED BY TRANSUNION WITHOUT DOING ANY DUE DILLIGENCE ON THE INFORMATION THAT WAS PROVIDED TO THEM, IT HAS BEEN MADE VERY CLEAR THAT TRANSUNION HAS NEGLECTED TO DO THIER DUTIES AS A CONSUMER REPORTING AGENCY, AND HAVE BROKEN THE LAWS OF THE FCRA, BY DENYING ME THE RIGHTS TO HAVE THESE FRAUDULENT ITEMS INVESTIGATED AND REMOVED FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Self Financial Inc.
State: MA
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 2020-11-01
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
ok. our mortgage company is amerihome mortgage. we have been struggling with them for almost 2 years now to be put into another payment plan. the first one we were in we had it all paid off and the last payment they returned and kicked us out of it. so since then we have been filling out packet after packet of paperwork, writing letter after letter of hardship, submitting countless bank statements, proofs of incomes and jumping through all of these hoops just to get some help from our mortgage company. we are even working with a hud counseling agent to help us with the process and getting nowhere but deeper in debt with our mortgage company. im finally at to where i could start making payments if they just put us in a payment plan already. now our home is in foreclosure. the first set of attorneys the mortgage company had is now being sued. we tried to make payments to the mortgage company and they denied us and referred us to the attorneys. tried paying them and they turned us down. now they are being sued. second set of attorneys have sent paperwork introducing themselves and nothing more. during all of this, we had make a couple of payments through the automated system of the mortgage company and they took it. we have proof on our bank statements. now all we want is from them to help us and place us in a payment plan to get us back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I received an email notice that my credit card statement was ready. Since I have opted for paperless statements, I must access my statements online. I have tried to log in to the website on XX/XX/XXXX, XXXX, and XX/XX/XXXX with no success. All that is displayed after entering my user name and password is a blue screen. On XX/XX/XXXX, I called Chase customer service to ask about the issue and was told they were doing maintenance and the website would be available on XX/XX/XXXX. So on XX/XX/XXXX, I again tried to log in with no success. How am I supposed to pay my bill when I can not access my statements? I have experienced the same problem last month when trying to access my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to 30 days to meet my requirements.

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 2023-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Bank of America Account XXXX : XXXX There is inconsistencies with the closing dates and charge off dates being reported on my credit report. I have already sent a letter of verification to XXXX to verify/validate a debt/charge off on my credit report. They sent back a letter to say that everything is already verified. However, my credit report is still showing inaccuracies. U.S.C. Sec.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is Inaccurate.

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