BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-09
Company: 1st Franklin Financial Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with 1ST FRANKLIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and 1ST FRANKLIN with no successful resolution. XXXX only reporting me late. There was definitely an error on their part.

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 2019-06-04
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:
I have had incidents of ID fraud in the past, between the years of XXXX and XXXX. 
XXXX : XXXX XXXX XXXXXXXX opened XXXX XXXX outstanding balance {$4900.00} Equifax : XXXX XXXX XXXX XXXX opened XX/XX/XXXX outstanding balance : {$8300.00} Both items where included in the police report, which I have attached to this complaint, and included in the FTC affidavit, which is also accompanying this complaint. The creditors requested that I get a police report before they would even speak to me about said accounts. I have produced all documents required to clear this issue and yet these items continue to reflect negatively on my credit rating. These accounts where not opened by me, and most be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: JPMORGAN CHASE & CO.
State: AZ
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:
I purchased a XXXX XXXX bag ( XXXX ) from XXXX XXXX with my chase credit card for {$1000.00}, on XX/XX/2023 and received on XX/XX/2023, but later found out the bag is counterfeit ( verified by Real Authentication ). Because the merchant refused to refund me and accept the return, I filed a dispute with chase, and submitted all the evidence they required, I am honest and is sure my evidence is sufficient, but they keep denying my dispute. They denied my dispute again on XX/XX/XXXX, stating no billing error found. I have asked Chase to reopen the case. 

I think it is so unacceptable, the credit card is meant for protection the consumer not the fraudulent merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid this item off on XX/XX/2022. I requested the line of credit to be closed. It never was, and is still on my credit report. I also can not look at any details about the account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am an old XXXX XXXX XXXX man and XXXX blocked my account and did not care that I could not go to a branch to unlock it because i am old, sick, XXXX and there is a deadly virus out there that i can die of. Just because i tried to transfer some money to get my medications my account was locked and no one cares that i am XXXX XXXX dollars short in this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Experian Information Solutions 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:
AFTER SEVERAL ATTEMPTS AT TRYING TO GET THE XXXX XXXX NEGATIVE ACCOUNT FROM MY CREDIT REPORTS, NOTHING HAS BEEN DONE. PLEASE INFORM ME AS TO WHY THIS ACCOUNT STILL REMAINS NEGATIVE ON MY CREDIT REPORTS. THIS ACCOUNT IS FROM XXXX OF XXXX, AND FIRST ATTEMPT AT DISPUTING THIS NEGATIVE ACCOUNT WAS BACK IN XXXX OF XXXX. IT'S BEEN WAY TOO LONG SINCE THIS ACCOUNT CLOSED AND I NEED A GOOD, SELECTIVE RESPONSE AS TO WHY THIS IS STILL REPORTING NEGATIVELY. NEITHER XXXX, EXPERIAN OR XXXX  HAVE DONE ANYTHING ABOUT THIS MATTER. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY, THIS IS REALLY HURTING ALL THE GOALS I AM STRIVING FOR.

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 2023-03-31
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USDT and XXXX ETH from my Coinbase account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX XXXX my account was hacked due to a scam, I do not provide any information to give them access to my account except my card number. My account were closed. Bank say I owe the XXXX I have money in the other accounts they closed which they are holding and said I cant use to pay. They will not work with me, have bullied, threatened and accused me, belittled me and made me feel worthless. When I call to make a payment towards what they said I owe the, the could not give me a way to send payments to them and make sure they would be applied to the correct account. They have threatened that I have have 60 days well now 45 days to pay this or they will put me on some list and no bank will do business with me this is a bank I have been with for 23 years, and supposedly is there to help military veterans and their families, and they have made my life. Living XXXX for the last XXXX weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: EQUIFAX, INC.
State: MS
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 is reporting to equifax monthly since XX/XX/XXXX of an auto loan that is financed through them. When I went to purchase my car in XX/XX/XXXX I  was made aware of the XXXX account and several other accounts reporting to my credit report but only to equifax. All of the accounts that did not belong to me was from one individual however its only showing on equifax report. I have contacted the other 2 credit agencies and they dont have the information. Since then I have tried disputing I have contacted both equifax and XXXX and requested that they remove the account from my credit report but neither company is doing anything about it. I was able to have the other accounts removed from my credits by doing a dispute except this one account. Equifax is blaming XXXX  and XXXX  is blaming equifax. I am at the end of purchasing my first home but due to this issue my current buyer is backing out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bank of America has started random credit checks on open accounts again, similar to the practice they did in 2008. Based on the information they receive, regardless of payment history, they lower your credit limit to just above your current balance or close your account. This practice significantly changes your available credit to debt ratio which impacts your credit score greatly.

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 2020-07-14
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX, a division of Webster Bank, N.A., instituted a policy to require XXXX USD dollars to be present in the saving account at all times. They have added a restriction which prevents transfers that would bring the balance below a XXXX USD. In effect, they have limited my and others access to these funds without due cause to myself or to any other account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Nelnet, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In XXXX, I was admitted to a XXXX XXXX in XXXX, Florida called XXXX. During this time I was recruited to a school called XXXX XXXX XXXX whose primary role was to help me rehabilitate myself by furthering my education. Upon admission to XXXX i was advise to apply for a student loan, however, because of my XXXX XXXX  i lacked the XXXX XXXX XXXX XXXX XXXX XXXX XXXX   about what the student loan entailed. In addition, I came to later discover that the XXXXXXXX XXXX was not even an accredited learning institution. 


It has been nearly 30 years later after the student loan. In XXXX I was placed on permanent XXXX. Last year, I took a part time job while still on XXXX and filed my XXXX taxes. While waiting for my refund to arrive I received a letter that my wages were garnished by the Department of Education. As a result, I immediately contacted the department to advise them of my XXXX status of which they requested written proof from the Social Security Administration in order to qualify me for disability discharge and return my wages. I forwarded the information to their offices and was notified of their receival of the document. Shortly after, I received a letter from the department that I was denied for Disability Discharge. Can you please assist me regarding this matter????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX. I have just checked my credit score that seems to be ok. However, as I was going through my credit score I noticed that there is a name of a XXXX XXXX on my report. I no idea who XXXX XXXX is. I don't know how, who, where, when or why that name is on my credit score because that is not my name. I have two other names, one is from my previous marriage and the other is my maiden last name that I have used both of those names in the past, but I don't use those names anymore either. But I do not now and I have not ever been a XXXX XXXX. Please remove that name from my credit score and I want that name to be removed from my credit score immediately. Thank you for your time and consideration. Sincerely, XXXX XXXX.

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 2019-06-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have persistently reached out to this credit bureau in response to an account being reported on my credit report as a closed account stating I have a balance owed I have also reached out to debtor as well this information is incorrect the debtor nor credit bureau can provide me any info to support this debt is my debt nor provide my signature or provide method of verification of how account was verified this debtor received payment from fed loan and is trying to illegally collect.

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 2023-03-13
Company: JPMORGAN CHASE & CO.
State: CA
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:
This is a complaint against Chase Bank for violating my federally protected consumer rights. 

I contacted the XXXX XXXX XXXX, directly but have not received any response. 

*NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT* I recently received a copy of my XXXX, XXXX, and XXXX XXXX XXXX. I noticed that it is reporting my experience with CHASE BANK. The line of credit I have with your CHASE BANK. The line of credit I have with CHASE BANK, which is characterized as utilization on my consumer reports, CHASE BANK IS ILLEGALLY REPORTING THIS EXPERIENCE, ( utilizations ) on my consumer reports. 

Amazon Chase Credit Card Account Number : XXXX XXXX XXXX XXXX CHASE BANK is in clear violation of the law. Pursuant to 15 U.S. Code 1681a2 ( A ) ( i ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer, ( ME ) and the person, ( YOU ) CHASE BANK, Making the report is not included on my Consumer Report! 
Utilization is an experience with the line of credit that was extended between the consumer, ( ME ) and the person, ( YOU ) CHASE BANK, the person making the report is NOT INCLUDED on my Consumer Report! CONGRESS clearly states that the report of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the Consumer Reports!

YOU HAVE VIOLATED THE FCRA 15 U.S. Code 1681a2 ( A ) ( i ), by reporting this transaction, or experience ( Utilization ) on my Consumer Reports, which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my utilization to 5 % or below or delete all utilization from the below account : Amazon Chase Credit Card Account Number : XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above utilization will result in legal action being taken against CHASE BANK, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent, Non-Compliance.

3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act, 15 USC 1681 for violations under willful and non-compliance. 616. 15 U.S. Code 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: 3D Financial, LP
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
They got the vehicle and sold at auction and still trying to make me pay more then I got on the loan, 3d financial is a joke

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed two accounts twice with all credit bureaus, XXXX, XXXX and Experian. The errors are still not fixed and the accounts are still reporting on my credit reports. The account with XXXX XXXX XXXX was sold to XXXX XXXX. Both accounts are on my credit reports. I disputed the information reporting on both accounts. The credit bureaus allowed both companies to verify information that is clearly inaccurate as accurate. Again, these are the same accounts. However, the account number with XXXX XXXX XXXX and XXXX XXXX is different. The open date is different. The last payment date is different. The last active date is different. With XXXX XXXX, the open date is reporting as XX/XX/XXXX. However the last active date and last payment date is reporting as XX/XX/XXXX with XXXX. The last payment date and last active date can not be before the open date so this is obvious inaccurate information. Also, with XXXX, the payment status has been 120 days late for years. This is obviously inaccurate. I requested that the credit bureaus send the information used to verify this information. The credit bureaus did not send this information.

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 2023-06-15
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My father ( an XXXX XXXX  ) and I opened an account with US Bank, my father chose to leave it opened for many years without activity. This week we got an statement saying that the account was closed and the founds we had there were gone. We opened the account under a XXXX XXXX Checking that was offered to him as no fees for any reason. Furthermore, on XX/XX/2017 we received a letter saying that we needed to sign and mail a " Account Acknowledgment '' to prevent the account from accruing {$5.00} per month dormancy fee, I personally completed and sent the form ; at that time the account had a balance of {$91.00}. 
In the letter received this week money is all gone and account is closed. US Bank has had our current address and phone number at all time. Called customer service and a XXXX said there is nothing US Bank can do about this at this point. 
My father and I are very much alive and we want our money back.

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 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Submitted multiple investigation requests to the CRA on XX/XX/2021, XX/XX/2021 with subsequent complaint to CFPB - complaint # XXXX. 

It is my understanding that as a consumer, I have a right to complete and accurate information reported on my credit file. It is also my understanding that the credit reporting agency ( Transunion ), by law, must investigate and update with complete information or delete the item from my file.

Transunion has not properly investigated my dispute. They have not accurately updated my consumeer report, nor have they removed the item that they could not verify. 

The CRA/Transunion is reporting an inaccurate " current status '' of " Charged off as bad debt ''. The report shows a 7 year period with no late payments. My Transunion report has reflected this unresolved discrepancy for several months with no resolution afforded to me by the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, XX/XX/2020 XXXX, XX/XX/2020 I reach out to this company about debt in the amount of {$3000.00}. I contacted credit bureaus about this debt but fell to remove this debt from my credit report

Company response to consumer: Closed with explanation