BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2019 I have scheduled one transfer to my account at XXXX XXXX XXXX  at {$19000.00}. Unfortunately what transpired was three transactions ( two unauthorized ) listed below including trace codes, : 1 authorized : ACH Credit for {$19000.00} : Source- 543 SEC- PPD Transaction Code - XXXX Trace- XXXX Company ID- XXXX Individual ID- XXXX XXXX below unathorized ACH Credit for {$19000.00} : Source- 543 SEC- PPD Transaction Code - XXXX Trace- XXXX Company ID- XXXX Individual ID- XXXX ACH Debit for {$19000.00} : Source- 543 SEC- PPD Transaction Code - XXXX Trace- XXXX Company ID- XXXX Individual ID- XXXX The problem with this set up is that the transaction repeated multiple account automatically flags the account for account surveillance and resulting in problems associated with the account going forward. Chase Bank denies that three transactions took place regardless of presented evidence alleging only one took place, their response below : We only show one transaction Dear XXXX XXXX : Were writing about your email, which we received on XX/XX/2019, about the unauthorized transactions for your savings account ending in XXXX. We confirmed there was only one transaction of {$19000.00} transferred from your Chase savings account ending in XXXX to an external account XXXX on XX/XX/2019. Please contact the bank for your external account about any additional transactions of {$19000.00}. If you have more questions about this issue, please call XXXX at XXXX extension XXXX. If you have questions about other issues, please call us at the number below. We accept operator relay calls. Our office is available Monday through Friday from XXXX XXXX to XXXX XXXX. Eastern Time. Sincerely, Executive Office XXXX XXXX Fax ( Free of charge from any Chase branch ) XXXX Esta comunicacin contiene informacin importante. Si tiene alguna pregunta o necesita ayuda para traducirla, comunquese con nosotros llamando al XXXX, de lunes a viernes de XXXX XXXX. a XXXX XXXX.,  sbados de XXXX XXXX. a XXXX XXXX hora del XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2023, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-08-26
Company: All Debt Solutions Inc. dba: 1st Class Agency
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX had my contact information and instead of using it, chose to call my mother and pressure her. She said the debt was regarding my owned property ( it's not, it's a medical debt ). My mother called me to explain and I've since sorted the situation out directly with the billing company, the debt collection was rescinded. However, when I spoke to XXXX she was aggressive and lied several times. She told me that there's no way to know when the debt would be submitted to the credit agencies, so I should pay immediately - trying to pressure me into paying without researching the information or even receiving the billing information. She told me that we could postdate a form of payment and tried to pressure me into paying that way ( again, without giving me any of the bill information or time to reach out to the billing company directly ). XXXX likely knows the laws and was looking to skirt them for her own gain, but clearly has crossed at least one line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: PROVIDENT FUNDING ASSOCIATES
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I got a loan over 1 1/2 years ago. The loan was immediately bought by XXXX XXXX. At that time, I was not able to sell my other home and finally started leasing my previous home. The renters moved out before the end of the contract and left the home in a total mess. I was not able to get the home on the market until I had done some work on it. The home remained empty for 8 months before I could get it sold. Meanwhile, I was paying both mortgages along with electric and gas bills. I worked 2 jobs during that time to make sure I made the payments before the end of each month. The mortgage payments were made to Provident usually on the last week of the month but mostly on the last day of the month. Like I mentioned, I worked very hard to get both payments made before the end of each month. I was very concerned about my credit being affected. On 2 occasions, Provident reported my payment as late because it wasn't made by phone before the cut off time of XXXX XXXX. My other mortgage company had a cut of time of XXXX XXXX when I would call a payment in. They also accepted payments on XXXX and XXXX and credited the account on those days. This is not the case with Provident Funding. I had called their Customer Service at least 5 times during this period but they offered no options for me. As I said before, these payments to Provident were all made by phone on the last day of the month but still counted as late. This has greatly affected my credit rating with the 2 main reporting agencies. When I have called Provident, they connect me with Customer Service, I get the same answer that nothing can be done about the reported late payments. There are now a total of 3 late payments with no other late payments reported from other creditors. I had a good standing record with XXXX  XXXX XXXX prior to selling my previous home. Im asking Provident to please work with me as I am now aware of the cut off times for a payment. I worked very hard to pay all bills on time, even getting a second job. 
I was also told by the company who got me this loan that I would be able to set up a bi-weekly payment so the mortgage could be paid in 2 installments each month. When I called Provident, the customer service department told me they had no such service available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: MI
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 act XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, and XXXX XXXXXXXX account number XXXX have violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: FACTUAL DATA CORP.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
PREDATORY LENDING, UNAUTHORIZED CREDIT INQUIRY On Friday, XX/XX/XXXX, I received an unsolicited call from XXXX XXXX. The banker said she would like to review my account and see if there are any refinance offers available. I did not authorize the banker to run a credit inquiry, and the call ended. I then received a notice from my credit monitoring service that all three credit bureaus had received a hard credit inquiry. I contacted XXXX XXXX  to make sure they knew I did not authorize a credit inquiry and they refuse to remove it. My phone number is also on the do not call list. I was also contacted by unsolicited texts without my consent. 

XXXX continues to falsify the story, dismiss the negative impact to my credit report, and is unable to provide any evidence of my consent to a credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: Jon Barry and Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2016 I sought emergency care in a North Carolina hospital after an automobile accident. At the time I had hospital insurance with XXXX XXXX and also XXXX XXXX XXXX. When I received a bill from the hospital I called to question why I was being billed but promised to pay a small amount as a " goodwill place holder '' until I could clarify my responsibility.. Some months later, XXXX contacted me and took ownership of their insured 's liability and I erroneously thought that XXXX would pay all medical bills associated with the accident. I found out that the medical debt to North Carolina had gone to collections, thus spoiling what had been my stellar credit score of the years. 

As a new resident of Georgia, I was never able to find any lawyers to help me with any claims either because they did not practice in North Carolina or because my case was not worth their while. ( Moreover the timing of the accident presented any number of other issues piled up to complicate the matter. ) As I mentioned earlier, I had erroneously thought that XXXX would pay the medical bills that I had incurred. I have finally gotten a settlement offer from XXXX only to find that NC law does not permit XXXX to pay the debt incurred in the NC Hospital emergency department. The settlement leaves me with a diminished credit rating, the balance of over {$1000.00} in collection, and the unresolved question as to why the NC Hospital 's Billing Department did not first make a claim to my health insurers I think that this was an error on the part of the NC Hospital. I want to add that I received subsequent medical treatment through XXXX XXXX, for which liens were attached to the settlement and thus these bills will be paid by XXXX. The statute of limitations for the accident is just about to expire as far as the accident is concerned .. Because I am XXXX years old and have never had any credit problems, I had no thought of contacting you earlier and still do not know if you can offer any advice. However, I am going to call your telephone number but wanted to establish a background. I am only trying to address the bill from the North Carolina Hospital that is on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: STERLING JEWELERS, INC.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I made an into APR purchase on the XXXX XXXX credit card they offered me on XX/XX/XXXX of {$2100.00}. I was offered 12 months interest free on this amount. Due to a sizing issue I had to return the original purchase and make the same purchase just for a smaller size. The representative I worked with assured me that nothing would change on my billing, this was done on XX/XX/XXXX. As of XX/XX/XXXX I was charged my first interest fee on my card. I was unable to at the time check my online account because XXXX XXXX was in the process of switching lendor institutions therefore for about 5 months XX/XX/XXXX-XX/XX/XXXX I was unable to view my account online because XXXX had not sent me my new card information in the mail and would not tell me my information over the phone even though I provided my correct credentials. I called on three different occasions to try to get information about when I might receive my card in the mail, they said it should already be there, I had to request they send it out three different times. Every time I called I also tried to get my account information over the phone and they said they could not provide anything or let me make a payment. Unable to log in online I was also unable to pay my balance due to this for about 3 months XX/XX/XXXX-XX/XX/XXXX they ended up calling to collect my payments missed and owed on XX/XX/17 I then paid {$300.00} for the missed months due to being unable to access anything about my account. I now have the new card and have set up my online account again and am now seeing multiple interest charges each month I make payments and am very upset that I am being charged these due to no fault of mine in missing the payments. As well as apparently my intro APR purchase has seemed to have been cancelled and they are just charging me a regular amount with APR and everything this also due to no fault of mine and assurance that nothing would change on my bill. To date I have been charged over {$260.00} in interest and see no end as they are charging me twice each month I pay my principal charge.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I am trying to add XXXX XXXX on my device my capital one credit card 5100 is giving me error message to contact my bank I have and they refuse to help me to get this resolved all they said is this is ongoing issue and when will it be fixed they dont know I am treated horrible they refuse to fix this issue and concern and they dont give me credit line increases when Im Loyal customer they decline my. Credit cars applications their system immediately it doesnt even try to qualify me I have applied for the savor one and venture and all declined Im treated horible

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: EQUIFAX, INC.
State: OH
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 reporting agency was to dispute inaccurate information from a debt collection company that is incorrectly reported on my credit report. All they did was got hold of the collection company and asked if the information was correct, and that company then told them that it was, so my dispute was not handled. Of course a lying company is going to say yes this information is accurate. I want proof that it is accurate, not the collection company saying sure this person made a payment on such a date, when the payment they are reporting is for XXXX dollars, cause that isn't a payment at all. I want proof of ownership and proof from them with the original credit company of last payment, statements for proof, and when the first delinquency was. I called the original creditor and was told the last payments on their end was from 2010 which is way past statutes of limitations to report. The original creditor has already been removed from my report, and the debt junk buyer is listing the accounts as new and keep reopening them and parking the debt. I tried explaining this to the equifax person and yet they won't get the proof. I faxed the junk buyer and requested in writing the information and they have yet to send it and it has been over 50 days. They can not prove it, because it is past the statutes of limitations. I want my credit report fixed. It is illegal to park debt and yet this company is doing so and equifax is allowing it to continue. XXXX   already removed this junk from my report over a year ago, when the junk collection company couldn't prove this debt as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I signed into my account. They said they wanted to send a text message to the phone number XXXX after XX/XX/23 i am no longer the owner of this phone number. I attempted to gain access to the account through my passport. I sent them a picture of my face, and a photo of my passport. They sent some automated message saying they were unable to verify me. Any other avenue of contacting them was met with a prompt to sign in, which is impossible at this point. They are making it impossible for me to access the account in an attempt to defraud me from the thousands of dollars in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. I'm looking forward that the following items will be repaired or removed ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: KY
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:
When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance : {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX has transferred old credit card debt over to Miland Credit Reporting. I have received threatening calls and emails. I lost my job due to Covid 19 and they put a negative mark on my credit daily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: SC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$11000.00XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00}.

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 2023-03-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting late payments for this account this is incorrect.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting late payments for this account this is incorrect.

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