BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
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 contacted the XXXX XXXX XXXX, Now with agree to repay re fresh my account to current but they reporting late payment. all this situations was relay to covid 19 situation and lock down losing temporatly my job. Also to be afected directly with the with the XXXX. I contacted then to arrenge a payment plan to continue and bring my account current. 
after been XXXX  aconsecuence of natural desastre XXXX XXXX illness and complications for me be a high risk patient. which I was at not income since XX/XX/XXXX Still today XX/XX/XXXX again. still making my payments I am dealing with Covid 19 effect and after speak to then they refused to help and still continuel reporting late to all to the bureau as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Experian Information Solutions Inc.
State: GA
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, is fraudulent reporting on my credit as a charge off when this account had been paid in full. XXXX XXXX. They sent me to collection after I called and told them my daughter passed. I was having hardship. Then XXXX XXXX start calling on their behalf and that company was paid in full. And stated that it would be updated/remove from my credit. XXXX, is still reporting fraudulent, 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 2021-04-14
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with a check written from your prepaid card account

Complaint:
Key bank benefit card. My account has been hacked twice someone has been doing wire transfer on the internet and they stole my money it took me almost a week of being on the phone for hours and hours only to have the phone hang up. They kept giving different departments I kept getting different information from each call. Finally I get a new card 2 weeks later, it happened again 2 days later not only did they steal the refund they gave from the it happening before but my current payment as well I had to go through the same thing all over again I was told so many different things I need to do. One phone call I was told my information got leaked on the internet because key bank benefits got hacked and all my personal information is on the internet and the person told me your information has been exposed to the internet I just deleted everything so youre account is fine and told me my new card ( 2nd ) will arrive in 10 to 15 business days. They I got transferred to the disputed department and I told them what was told to she said thats not possible we dont have the ability to do that and told the I was lied too that there is nothing that they can do but keep disputing it. So I went to get a different bank account I tried to log in to what was told to me and it would not accept my mom madden name I called again we went though it and it still would not work I was told it had been reset I tried and would not work so Im stuck with KEYBANK BENEFITS and nothing havent been done about it so every weed I dont know if I will receive my unemployment benefits. I had to purchase identity theft program. All together it was {$1500.00}. Can u please help me. Thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am the middle of a financial transaction ( buying and selling a house ) But 3 days before my closing a collection account was enter to my credit report. But that collection was already paid 3 years ago. 

This information create a chaos, since they are reporting a high balance, XXXX got my money long time before I was even in collection

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 2018-01-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had a checking and a prepaid accounts with Chase Bank, and on XX/XX/XXXX I contacted the Chase XXXX number to file a dispute on a transaction that was posted to my prepaid card incorrectly, and that dispute request triggered the representative at the overseas center to enter my name and credit information on XXXX XXXX XXXX without informing me of that. He also shut my accounts with Chase without my knowledge. A few days later when I was trying to make an atm deposit, I noticed that my card was not working and went to the local branch in XXXX XXXX, CA, and after sitting with a representative for over an hour, I was informed that my accounts were shut and closed by the bank and no further information was giving to me. I contacted Chase Bank several times to try to get the information on the unexpected closure of my accounts and the response was that they did not have any additional information. OnXX/XX/XXXX I filed a complaint with BBB and received a letter from Chase Executive Office dated XX/XX/XXXX advising me that Chase Bank submitted a request to remove reporting of my information from XXXX XXXX XXXX. On that letter, there was a contact name for XXXX ( ext. XXXX ) and I called on XX/XX/XXXX to speak with her and ask if correction to my information have also been made for Chase Bank, and XXXX was unavailable, so I spoke with XXXX. XXXX had no information in regards to correction to my Chase file, so I contacted Chase again on XX/XX/XXXX and spoke with XXXX, who also had to access to that information. He told me that someone from that department would contact me to discuss that information and later on, I received a call from a representative named XXXX, who confirmed that Chase has requested removal of my information from XXXX XXXX XXXX, but not from Chase, and I can no longer bank with Chase. She did not provide me detailed information on why and how this remark was added, or how to have this information corrected with Chase. I have no history of fraud or account abuse and I believe this negative remark to both XXXX XXXX XXXX and Chase Bank was done in error, so I want to request assistance to get a corrections to my credit records and personal information with the Chase records as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
When checking my credit score it shows my amount increased by {$1300.00}. I contacted Navient to explain to what this increase is for. It seems everytime I am close to paying off my loan they add more to my loan. They can not explain to me what this amount is. Should I not have the right to know what the complete total is. That said is is money I owe to the school but that school is closed, so how do I still owe them money. Sounds very questionable and no one can give me a answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
my partner took a loan from XXXX XXXX to purchase a new car without my authorization, now XXXX is reporting this loan and repossession to the 3 credit report agency on my credit report, i have tried to ask them if they have anything in terms of documents signed by me and this was requested by certified letters but despite my numerous requests nothing was ever received by me, moreover Instead to delete this derogatory information from the credit report they filed a judgment against me on XX/XX/2018 for the amount of {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
my partner took a loan from XXXX XXXX to purchase a new car without my authorization, now XXXX is reporting this loan and repossession to the 3 credit report agency on my credit report, i have tried to ask them if they have anything in terms of documents signed by me and this was requested by certified letters but despite my numerous requests nothing was ever received by me, moreover Instead to delete this derogatory information from the credit report they filed a judgment against me on XXXX XXXX for the amount of {$12000.00}

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 2021-04-14
Company: BAY COUNTRYCONSUMER FINANCE,INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I was approved for an title loan through bay country in XX/XX/XXXX. My car was repossessed in XX/XX/XXXX. I attempted to get my vehicle out by paying what was due. My lender told me I I had to pay XXXX to get my vehicle back. Paid bay country only to find out I had to pay the same amount to the repossess company and XXXX-XXXX  a day going forward. The XXXX I was paid to bay country was all I had which I explained to them. They told me its nothing they could do. I got my tax refund a month later and got my vehicle out for approximately {$950.00}. Pandemic began in mid XXXX which included an state wide Moratorium putting a stop to evictions and repossession. I was unemployed due to the COVID and told bay country I wont pay when I get funds. We spoke monthly to see if my situation changed it did not. XX/XX/XXXX I called to make a payment the very next month my account was sent to collections department. I was told that the full amount of my loan was due and I no longer qualified to make payments. My car will remain in repossession status until the full balance is paid. Original loan amount was XXXX now I owe XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-15
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:
Ive contacted Equifax multiple times in reference to fraudulent information found on my credit report, and what method they are using to verify it. I sent Equifax a copy of my fraud affidavit with supporting documents and a list of accounts that are reporting on my credit file which do not belong to me. Equifax has removed all but two accounts according to what shows on their website today XX/XX/XXXX. There are addresses that were deleted from my credit file, but now has reappeared, there are three inquires which show on my credit file, I called Equifax and spoke to a representative about them on XX/XX/XXXX and I was told by the representative that they do not show on my EQUIFAX credit file, but yet they show on my credit file as seen on the Equifax credit report XX/XX/XXXX. 
There is a Bankruptcy that shows on my credit file with Equifax, which doesnt belong to me. I have asked for it to be removed, I have asked for the method of verification and how the Bankruptcy was validated, including the name of the person and phone number that was called to validate the debt, I have yet to rcve this information. All I have rcvd from Equifax is a statement on my credit report thats says they verified the Bankruptcy through a third party Company XXXX, but I called XXXX spoke with a representative about the verification and was told that no one called from Equifax to verify a Bankruptcy on my file. I rcvd a copy of my consumer file from XXXX and there is no Bankruptcy showing on my file with them. 
There is an account showing from XXXX, I have asked for verification of this debt and method of validation, I have yet to rcve anything from Equifax accept the word verified next to this debt on my dispute summary. This is not my debt Ive never had a charged off account with XXXX, the account says its under investigation but It isnt The following Inquiries out of the Blue showed up on my Credit Report in XX/XX/XXXX, which werent previous there, I have never applied or authorized anyone to apply to these companies in my name for credit, nor have I authorized any credit inquiries from these companies : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX-GA XX/XX/XXXX The following addresses has been removed and has reappeared, this address doesnt belong to me and needs to be permanently removed : XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-21
Company: EQUIFAX, INC.
State: GA
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 was advised to reach out to you guys regarding two accounts on my credit that are not mine XXXX XXXX   XXXX XXXX  and XXXX XXXX. I have tried all I know to get this taken off and the attorney guy thats on the billboard in my building said he can help if need be after reaching out to you. There is also an inquiry XXXX XXXX XXXX on my credit and I dont know anything about that. I own my home so why would I need to rent anything thats the purpose of buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I had a membership with Experian for Free Credit Report Monitoring. I noticed that they wer charging me {$24.00}. I had called to ensure they removed the charge since I not longer need their services, which the did. However, the next day, there was another charge for {$24.00}. 

I contacted them on XX/XX/XXXX and had waited on hold for over 2 hours before I spoke with a representative. The worker told me she does not see the charge and I have to call back on Friday the XX/XX/XXXX. I advised the worker that I do not have time to sit on hold for 2 hours to speak to someone and I would like a response back from a manager. She said she will notate the account and I would get a call back by Friday. I did not receive a call back. 

Today is the XX/XX/XXXX, I tried contacting them again but it was another 2 hour wait which I can not wait for. 

All I want is the {$24.00} refunded to my account. They claim they can not see the additional charge but I am looking right at it on my bank statements. Based on my research this seems to be a recurring issue with the company. I would like them to fix this ASAP and refund the money. 

Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am a chase bank and credit card holder member. I am trying to close my Chase Sapphire Reserve credit card without paying next year 's annual fee of {$450.00}. The bank has closed my account but refuses to remove the annual fee ( for the upcoming year ) and expects me to pay it in full to then have it credited to me in 1 or 2 billing cycles. I have notified Chase of my desire to close the account within 30 days of the annual fee being posted on the account. The card service user agreement does not specify this particular section and does not state that the annual fee would be credited in 1 or 2 billing cycles upon closing the account within 30 days.

It is customary for banks and credit cards to not charge the annual fee upon closing the account within the first 30 days.

I do n't want to pay the fee to then have it refunded for a credit card I will not be using and I do n't want to pay interest rate on a charge that will be refunded. This is unreasonable. I have already paid Chase the outstanding charges ( less than {$20.00} ) for the last open statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-12
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have an unverified account from KEYBRIDGE. I had previously disputed this account. I have never done business with KEYBRIDGE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that KEYBRIDGE Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that KEYBRIDGE Cease and Desist all further communications and collection actives and provide the verification of the purported debt. THIS ACCOUNT HAS BEEN PAID IN FULL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: MIDCOUNTRY FINANCIAL CORP
State: TN
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:
I just received notification from XXXX XXXX that I had an credit inquiry on my credit report. I did not authorize anyone to do a credit check on me. Opened my file and saw that it was XXXX XXXX.This is IDENTIY THEFT. I am wanting this removed from my credit ASAP along with a letter stating it was 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 explanation
Consumer complaint received 2019-07-21
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage service changed from XXXX to XXXX XXXX loancare. I had my online bank setup for the new address but did not have new account number. The old account number from XXXX. Mortgage payments were sent via online to Loan Care service XX/XX/XXXX for XXXX statement and XX/XX/XXXX. I found out that payments were not credited to my mortgage ; XXXX XXXX was contacted and I was told to submit proof of payments to their research department. This information was submitted XX/XX/XXXX showing online payments and how online banking had old account number. 

My bank submitted notarized statement to XXXX XXXX loancare that XXXX and XXXX were paid. The banker received statement that it was recieved and assigned case # XXXX. My brother submitted email to customer service on XX/XX/23 and there is case # from XXXX XXXX Loancare # XXXX. During this time I have gone through XXXX, XXXX, and XXXX for XXXX XXXX. XX/XX/XXXX there was contact with XXXX XXXX and XXXX # XXXX said issue would be resolved by XX/XX/XXXX. XX/XX/XXXX XXXX # XXXX said that it would be resolved XX/XX/XXXX. 

I am making my payments but XXXX XXXX says my loan is in default. My brother has been helping me and paper work was submitted so that he could talk to XXXX XXXX. My XXXX has been removed and I am unable to talk.  I can provide bank statements and other proof. I am heard that this company has very bad reviews and similar cases have occurred.

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 2022-08-11
Company: SYNCHRONY FINANCIAL
State: TX
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 Account SYNCB/CAR CARE DISC TIRE, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
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: Was not notified of investigation status or results

Complaint:
Equifax data breach really sucks and all my ssncredit card driver license was leaked and using now by other people they leak my info

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
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: Information belongs to someone else

Complaint:
Experian continues to report negative information on my credit report. I have disputed these items to no avail and they claim they will not re-investigate when I am entitled to a full investigation of these items. They are in violation of 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