BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
I have made substantial payments on my credit cards over a month ago with no change to my score. My issue is with Equifax, XXXX and XXXX  my score has not changed until today but it still has incorrect balances on both cards, my score went up 35 points but it still says my balance is 90 % of usage, which is false. I made a payment of XXXX dollars on my XXXX  XXXX card on XX/XX/2020, followed by another payment of XXXX on XX/XX/2020 this card number ends in XXXX. The amount used is XXXX dollars on my credit report it has said XXXX dollars which is over 90 % of usage which is false. My second card dispute has a blance of XXXX dollars yet it said I have used over XXXX which is also false. I am trying to buy a home yet Equifax and XXXX  are not helping me resolve this issue. Thank you attached are my current account balances for both XXXX  XXXX cards with the amount available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to the urgent care and I had paid my co-pay. The insurance paid their portion once the bill was submitted. I had {$0.00} balance but I got sent to a collection agency. When I called, I told them that this was paid off and they told me that they were going to delete out of my credit but they never did.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke to the company on at least 4 occasions about the debt, explaining the information that they have was not correct. I also wrote to them on one or two occasions asking for a copy of the contact they say they have with my signature on it. But they would not provide me with a copy showing that I was a cosigner to the debt. 
I have sent them a certified letter around XX/XX/2018 with no correspondence from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: JPMORGAN CHASE & CO.
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2018, I sent a payment to Chase for {$100.00} before a statement was sent to me as this is a very new account just opened. I placed my name, address, first and last four numbers of the new account on the money order as well as enclosing a copy of the new credit card with the entire number. Unfortunately, my payment was placed on another person 's account. After calling and calling to check on this payment, the payment was found and finally credited to my own account. Then the next time I called Chase to check this payment status, I was advised that my address that I gave was not my address because another address was on this brand new account. This was not true, the address I submitted on the new account is the same as my current address. Lastly, it appears that I was charged twice for a XXXX XXXX membership on my XXXX XXXX Chase Credit Card and on my XXXX in store account. Thus, I requested this refund of {$13.00} for the XXXX membership. As a result of all of these errors I reported this to the Executive Office of Chase Card Services who initially refused to call me back after the initial request to investigate these issues and was told that a credit of {$13.00} was being placed on my account for the inconveniences. However, the {$13.00} credit is not for the inconveniences but for the dispute in process. The Executive in the Corporate Office of Chase would not transfer the call to her superior or allow me to leave a voice mail message. Mistakes are being made on my account over and over within such a short period of time and the contact person does not wish to credit my account for the events that are unacceptable. I have spent hours and hours attempting to correct these mistakes and requested only a {$50.00} credit for my time and assurance that these errors would stop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please show proof of the correct balance on this card. I do not have a balance on this card. Please correct the balance and update all credit bureaus of this change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: U.S. BANCORP
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: Information is missing that should be on the report

Complaint:
In a recent pull of my credit reports from the credit bureaus my Mortgage with USBank does not show up at all. Since I was in good standing with my mortgage this should show up with no late payments. When I made the complaint here about USBank not reporting the correct information within months all information disappeared of the credit bureaus.

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 2018-03-23
Company: LendUp Loans LLC
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 is missing that should be on the report

Complaint:
To Whom It May Concern : I reviewed a copy of my credit report and the following company ran an unauthorized credit inquiry on me on my account. This is not a factual record In fact I spoke with the company and thry promised to remove this Inquire and not publish it as a soft hit either because I did not give permission nor did I consent of any kind I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact this company and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I am requesting all the names you contacted to verify this was factual. You have 30 days to remove this from all there credit agencies and report it correctly. If not I shall seek an attorney to represent me in a Court of law. I will also send you a certified mail of this exact letter. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Santander Consumer USA Holdings Inc.
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:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: CAPITAL ONE 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 information incorrect

Complaint:
I have made substantial payments on my credit cards over a month ago with no change to my score. My issue is with XXXX, XXXX and XXXX  my score has not changed until today but it still has incorrect balances on both cards, my score went up 35 points but it still says my balance is 90 % of usage, which is false. I made a payment of XXXX dollars on my capital one card on XX/XX/2020, followed by another payment of XXXX on XX/XX/2020 this card number ends in XXXX. The amount used is XXXX dollars on my credit report it has said XXXX dollars which is over 90 % of usage which is false. My second card dispute has a blance of XXXX dollars yet it said I have used over XXXX which is also false. I am trying to buy a home yet XXXX  and XXXX  are not helping me resolve this issue. Thank you attached are my current account balances for both capital one cards with the amount available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

U.S. DEPARTMENT OF EDUCATION Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed.

XXXX Potentially negative Date openedXX/XX/XXXX Balance {$350.00} XXXX account. {$350.00} past due as of XX/XX/XXXX. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have a Capital One account XXXX that was opened in XX/XX/XXXX. My pay history shows late for XX/XX/XXXX - XX/XX/XXXX. I paid account full without any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Phoenix Financial Services LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently viewed my credit report and became very confused and agitated. I looked into it a bit and found that it is absolutely illegal what is happening to me right now! There are 2 accounts that are identical on my credit. DUPLICATE REPORTING IS ILLEGAL. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: Midwest Recovery Systems
State: WA
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:
Midwest Recovery Systems reported in a false manner that I took out a payday loan from XXXX XXXXXXXX XXXX onXX/XX/XXXX in amount of {$260.00}. It then has just appeared on my credit report as a defaulted account and just appeared on my credit report onXX/XX/XXXX. I have done a direct dispute with XXXX   and XXXX. However XXXX is saying that it is accurate. I will be calling them ; But I never took out this payday loan and want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Experian Information Solutions Inc.
State: VT
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 a petition for Chapter XXXX bankruptcy on XX/XX/XXXX. This petition included a XXXX Bank XXXX XXXX XXXX credit card account that had a past due balance of {$2400.00} dollars. I have included the petition that shows this. On XX/XX/XXXX, my unsecured debt ( including the XXXX Bank XXXX XXXX XXXXXXXX XXXX credit card debt ) was discharged through the bankruptcy discharge. I have included a copy of the order of discharge. On XX/XX/XXXX, XXXX Bank XXXX XXXX XXXX was notified electronically of the discharge and on XX/XX/XXXX a notice of the bankruptcy discharge was sent via first class mail was to XXXX Bank XXXX XXXX XXXX. I have included the Certificate of Notice. 

On XX/XX/XXXX, I opened a dispute using Experian 's online Dispute Center as the information being reported by XXXX Bank XXXX XXXX XXXX showed a past due balance of {$2400.00} and was still reporting negative reporting. On XX/XX/XXXX, Experian updated my dispute saying that XXXX Bank XXXX XXXX XXXX certified that the reporting was accurate. 

On XX/XX/XXXX, I saw that the negative reporting was still on my account -- though every other account including in my bankruptcy have been updated to a PAID status and included comments that the debt was included in a bankruptcy discharge. I therefore initiated another dispute. ( NOTE : Some of the other credit cards also show a remaining balance though they have a PAID status ; I have initiated a dispute with them as well and am still awaiting the results ). 

XXXX Bank XXXX XXXX XXXX re-certified the information as accurate. I am writing because the information is not accurate and is negatively affecting my credit score. I have supplied all the documentation that shows that this debt was discharged lawfully in bankruptcy and that this account should reflect so -- with a {$0.00} balance and NO PAST DUE STATUSES since the discharge. Additionally, this account seems to be reported accurately on my XXXX 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 non-monetary relief
Consumer complaint received 2018-10-13
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I had noticed that there were fraudulent charges on my bank account which I called Chase to address. I recently moved from XXXX  to XXXX XXXX so I was unable to go into a branch to resolve the issue. The nearest branch was over 150 miles away in XXXX XXXX, and without the funds from my bank account, there was no way for me to get there even if I had the time to take off of work. Furthermore, they refused to have the funds transferred to the account of another bank in my name or make any other reasonable accommodations for my circumstance especially in consideration of the fact that my rent was due on the XXXX of the month. 

After 3 separate calls with Chase they finally put my account on " restricted '' which would close the account in 10 business days. I essentially had to live without access to any of my money for two full weeks. Come the end of the 10 business days, the account was still not yet closed even though the notes of all interactions with chase indicate a closure date of XX/XX/XXXX and mailing of my funds by XX/XX/XXXX. I had to call again to have the closure of the account " expedited '' which isn't the correct term because the date of closure guaranteed to me was already past. As of XX/XX/XXXX, the writing of this, the account is still not closed and no check has been mailed to me. Chase has been extremely unresponsive and I've spent over 15 hours on the phone with them over the past two weeks to be " guaranteed '' different deliverables by different dates only to have them continually pushed back. They have made it ridiculously difficult to simply close my account and all of this is noted in their notes as multiple representatives I've spoken too have read back to me. I have been informed the account will now be closed by XX/XX/XXXX Monday, but even if it is I have been unable to pay my rent or access the funds I need to buy groceries and pay other bills because of the actions, and inaction, by Chase. Simply put, I will never bank with Chase again and they ought to be responsible for any negative financial consequences I've incurred as a result of their inaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Citibank is not honoring a card that I have a credit balance on and have attempted to do phishing when I call them. 

Before XXXX I paid into a credit balance on my card because of the trouble of them honoring it when I try to use it at XXXX. As always, they still stopped honoring the card. Usually when I get home it works again. I have a monthly autopay that they honored once after not honoring the card in the store and they then stopped paying on that, also. 

When I called, they failed to tell me why they stopped honoring the card. The operator inferred accusations against me without actually speaking them. The operator also demanded to do phishing for information on both Citibank and nonCitibank accounts. The operator let her irritation show at her inability to extort phishing information from me. The operator also refused to fix the problem with the card. 

I still have a credit balance of {$460.00} on the card that they owe me and have not refunded. They refuse to either reactivate or to cancel the card, claiming that it is still good. I have gone to the local Citibank branch to get a Citibank employee to get to the bottom of this but they were uncooperative with him too. 

My suspicion is that from the very start this was a phishing effort. They stopped honoring the card for the sole purpose of getting me to call so they could do phishing. The card wasn't just paid up, there was a credit, there was no reason they would stop honoring the card.

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 2020-05-07
Company: EQUIFAX, INC.
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:
I did NOT authorize any loan service or SIGN for one, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
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:
In the month of XX/XX/2018 I reviewed my credit report and there were many fraudulent accounts that were on there. I'm in desperate need of these items being removed.

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 2019-02-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/2019, I received a letter of explanation from Synchrony Bank regarding the privacy violation that I previously reported. 
This letter simply explains resolution of prior reimbursement and acknowleges that they had sent another customer 's letter to me ( XXXX XXXX, case # XXXX ). The letter simply expresses understanding of my report. 
At no time does the letter explain where my original response was sent or if MY PRIVACY was violated. Furthermore, at no time does the above dated response apologize for the error or even acknowledge that Synchrony bank made any errors. 
This is a bold and offensive way for a bank to respond after such an egregious violation.

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