BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-28
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: Account information incorrect

Complaint:
XXXX XXXX reported wrong information to Equifax credit bureau. After more than year they still only respond that they have reported the account correctly even when I have sent paper information on the contrary. I am sending once again an inquire for them to correct this issue which is damaging my credit score extensively and I've been denied for a refinancing of this loan due to the wrong reporting. CFPB needs to intervene on this issue since this issue is damaging my prospects and my business. I have only asked them to correct their wrong information with paper to show the truth. They still report the wrong information to Equifax and say they are doing everything correct as if just a letter without a signature with an actual employee. In this case they say they act legally without anybody signing and being responsable for the response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Per your letter dated XX/XX/2019 in regards to the Consumer Financial Protection Bureau Complaint ID : XXXX, I am writing this letter of request and attaching a copy of the death certificate concerning XXXX XXXX XXXX. Please close out the above captioned accounts. Specifically, the sapphire checking account XXXX has a balance of {$5.00} and the premier savings account XXXX was charged a service fee of {$2.00} on XX/XX/2019 that should not have been charged on a deceased account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions 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:
XXXX XXXX LAST SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX  XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 


Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$1100.00} written off. 
Status Updated XX/XX/XXXX - Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$320.00} written off. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$12000.00} Highest Balance XXXX XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$300.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$300.00} Minimum monthly payment {$0.00} OpenedXXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXXRemoval date : XX/XX/XXXXXXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit Card - Finance Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 2020-05-11
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved from XXXX to XXXX in XX/XX/2017 I call XXXX and inform about the move on XX/XX/2017 and ask to close my account. The operator ( XXXX ) told me that it will be automatically closed at end of the billing cycle which is in XX/XX/XXXX. The account did not close because there was a XXXX ( hot spot ) that I ordered in XX/XX/XXXX was not return to the system. XXXX did not contact me regarding the system not returned or the account not close. They contact my son which he was not the main holder. i was not aware of the situation until XX/XX/2017. I told them I return the XXXX already and after checking through her system they found the hot spot was in the warehouse but no one enter it to my account. This problem is causes by XXXX careless warehouse worker that did not input my return XXXX back to the system. Therefore I dont believe that I owed this amount to XXXX. 
i have attached my credit card statements to show that the account was auto paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: EQUIFAX, INC.
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 belongs to someone else

Complaint:
I have contacted Equifax several times regarding an account that does not belong to me and was not authorized by me. I have been a victim of identity theft and provided Equifax with a police report explaining the account was fraudulently opened up. I have also contacted the collection company directly and they have acknowledged the account was fraudulent and have released me from the obligation of paying it. I forwarded this letter for deletion directly to Equifax along with my police report, social security card, drivers license, cover letter and they continue to inaccurately report this account on my credit report. 

I demand that they remove this fraudulent account from my credit report. 

The collection company has agreed to remove the file from my report, the police report explains I have been a victim of identity theft and Equifax still refuses to remove the account. 

Account : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX CREDENCE RESOURCE MANA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDENCE RESOURCE MANA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: OH
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:
Date : XX/XX/2020 My credit score ( XXXX  and Equifax ) has been dropped 43 points in one day without any reason. 

After point dropped I immediately checked details from different free providers like XXXX, XXXX. Checked report from XXXX website. And then checked with XXXX  subscribing their paid product and found nothing changed so far. Everything 's are correct and nothing are new in the report. 

My last personal loan account opened in XX/XX/2020. After then I paid all installment on time and credit usage also decreased. Some old hard inquiries also removed. 

The factor of calculation they mentioned it was same and nothing changed. I didnt get my answer anywhere that what suddenly happened that I cant see that dropped score for 43 points?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX  XXXX   XXXX/XXXX  XXXX  XXXX  XXXX  XXXX XXXX   XXXX  XXXX XXXX  XXXX  XXXX/XXXX  XXXX/XXXX  XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I relinquished my rights to a house and gave the house to my ex, I made sure in the divorce decree it started I am not responsible for any charges. The home went into foreclosure in 2014 and XXXX has reported late payment activity against me. I have try to dispute it many times. I need help removing this from my XXXX, it is keeping me from accessing the equity I have in the current home I own. My credit is excellent except for that. I hope you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Diversified Consultants, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I receive calls from this company every non-holiday day during the week, sometime multiple times. They use several different number from the XXXX area-code and never leave a message when calling. I have called before, twice, and asked Diversified consultants to stop calling me. The last time I called I was told, " You owe us money and we have every right to collect. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04
Company: JPMORGAN CHASE & CO.
State: MA
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 am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( Chevron and Texaco Credit Card ) was closed due to " Activity on account with Synchrony Bank indicative of high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic. 

Under the Equal Credit Opportunity Rights Act, I have a right to find out my account was closed unless the account was inactive of my failure to make payments as agreed.

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 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 informed by my bank lender that I was not approved for a home equity loan because of derogatory items on my credit report. I then pulled my credit report for myself and I notice unknown, suspicious accounts. Please remove these fraudulent accounts as soon as possible. 

US DEPT OF EDUCATION XXXX {$27000.00} XXXX XXXX XXXX  XXXX {$0.00}

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 2019-03-29
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is Identity Theft case. I didnt use this Discover card for years. I do not aware of this dispute until XX/XX/2018 after I received all letters of the delinquency of my credit cards. My record now is clear after disputing to XXXX back in XX/XX/2018. Except Discover card is back and force to send the same information to me. And forwarded to XXXX & XXXX for further question, I did send addition documents such as XXXX form, Utility Gas bill & my Driver license. Discover again sent me a letter which ignore what my additional documents, but just insisted the card is belong to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted several factual disputes regarding an account that is appearing on my credit report, and have not receiving documentation that was requested showing a contract between myself and XXXX XXXX XXXX from neither Equifax or XXXX. This account has been deleted off my XXXX Credit Report and I believe that both Equifax and XXXX should remove it as well because I have not received documentation that was requested showing that there was a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This complaint is about how my bank " Capital One 360 '' handled a chargeback dispute with the merchant " XXXX XXXX  ''.

On XX/XX/XXXX, I rented two scooters from the merchant and paid a {$500.00} security deposit. I was told by the merchant I would receive the deposit back 2 weeks after returning the scooters which I did return the same day. I never received the security deposit after two weeks so I called the merchant about it. Weeks went by without receiving the deposit back.

I then filed a dispute on XX/XX/XXXX XXXX XXXX with my bank and they gave me a provisional credit while they investigated the dispute. They then took back the provisional credit back on saying the merchant had provided documentation that settled the dispute. I asked the bank to provide said documentation. They gave me a letter from the merchant stating that yes they did owe me the security deposit but otherwise did not provide documentation that they actually had returned my deposit. Apparently, to the bank, providing any documentation whatsoever was enough to favor the dispute on the side of the merchant.

I then called the merchant to see if I could resolve this. They went through their documentation and informed me that the bank did a chargeback and took the money from them. The bank also took the same money from me. Now, neither the bank nor the merchant want to deal with me any further.

The bank has stolen this money from me. I have bank statements that show this transaction originally going to the merchant, then there is no transaction from them returning the deposit, then a transaction for the bank giving me the provisional credit, then a transaction from the bank taking the credit back. If the merchant is telling the truth and that the bank actually did chargeback from them, then this seems to me the bank pocketed this money from us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-03
Company: Eastpoint Recovery Group, Inc
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX keeps calling leaving messages about a FCC law suit for his client doesnt give the clients name or a file number, calling my phone several times a day. Today he called my job and when they told him I couldnt get personal calls he told the lady that answered the phone that it was an emergency that something had happened to my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Experian Information Solutions Inc.
State: FL
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:
On XXXX XXXX, I went to XXXX XXXX XXXX in XXXX Fl, to Purchase a car for my son, using installment financing. When the dealership went to XXXX for my credit score, the report yielded a XXXX credit score. So I signed up for the XXXX XXXX XXXX and that report shows a XXXX Fico Score for XXXX. Not sure why there was no credit score provided to the dealer but I need this fixed immediately.

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 2020-08-25
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt collector advised I owed more then I was supposed to pay. My debt was included in a bankruptcy chapter XXXX, but I signed a reaffirmation agreement for a lower amount. The debt collector used the original debt agreement instead of the reaffirmation amount I was supposed to have paid. I wanted to just be over it, so I made payments. On my credit report it is showing paid off, but on the website for the collection company I'm still owing XXXX. They told me I owed around {$1000.00}. It got sent to the court and they ruled the amount was only around {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This the only bill I received from XXXX XXXX, that I paid with my insurance this is not my debt, I was not notified of this debt before being placed on my credit bill the only bill I received from creditors and XXXX XXXX is the one Iam sending in

Company response to consumer: Closed with explanation