BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: NV
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XXXX received letter from Chase regarding the need for an XXXX form to be returned to them XXXX signed and mailed XXXX form XXXX one of two Chase credit cards were declined Checked email and web and app and no indication of any issue. Multiple offers for opening new accounts and upgrading my card. 100 % on time payment history with no balance carry over for many years. Excellent credit rating XXXX Contacted customer service and advised both credit card accounts were closed and I would be notified by mail in 7 business days as to the reason why. No letter received. 

XXXX Transferred multiple times to finally reach someone who stated that Chase required an SSA-89 for my daughter who is an authorized user. I received no notification that this was needed and certainly no notification that my accounts would be closed. 

XXXX Went to Chase Bank Branch in XXXX XXXX, FL and provided my forms. Photocopies of my credit cards were also taken and faxed in on my behalf. 

XXXX Experian Credit report shows CHASE reported a debt settlement was filed against my account which is not true. It also shows that my credit line was closed by the credit grantor. This negatively affects my credit. 

Was informed on Thursday by phone that my accounts CAN be reinstated as soon as the SSA-89 is received. Contacted Chase Compliance Dept at XXXX and they confirmed the forms had been received but the accounts were closed due to bank policy but no additional details provided. 

XXXX 2 hrs on phone with compliance, credit customer service, lending, credit bureau depts. Accounts have been closed for the reason of bank policy and can not be reopened. 

XXXX called XXXX XXXX, FL Chase Bank Branch and spoke with XXXX XXXX who will file a complaint on my behalf XXXX received a call from Chase Complaints to discuss the case. No additional information offered as to the reason for account closures. Representative confirms forms are in receipt by Chase. Representative confirms 100 % payment history throughout entire life of both credit cards. Representative confirms mortgage with Chase is still in good standing and has no issues. Unable to provide any other information and acknowledges that closing the accounts without any notice or reason seems unusual but there is no recourse My credit is negatively affected and Chase is offering no assistance. Of note, Chase continues to offer me multiple credit card offers by email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAINT AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXXDONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS***** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I notice inaccurate information reported by Experian regarding a Charge Off account Discovery FIN SVCS LLC # XXXX. This account was charged off in XXXX. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$8700.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due Amount {$8700.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows a Credit Limit {$7500.00} and a Charge Off/Close Account must show {$0.00}. 4. Delete this account, because it shows Payment History reported 45 charge-offs, 30 Days Late XX/XX/XXXX ; 60 Days Late XX/XX/XXXX ; 90 Days Late XX/XX/XXXX ; 120 Days Late XX/XX/XXXX ; and consecutively as NEGATIVE in XXXX ; in XXXX ; in XXXX ; XXXX XXXX ; A Charge Off/Close Account must show NO Payment history or consecutively as N - Negative reported on my credit report. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter. I have attached my Experian Credit Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations 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
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to CORRECT THE ACCOUNT AND DELETE ALL INQUIRIES ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XACTUS Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXE XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/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 2021-01-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My Experian credit report shows that I have good score and excellent payment history, However I always got denied for credit cards when the creditor runs my credit report, I have some credit cards with some banks I had them for 2 years and my payment history is great however my credit score doesnt grow even I have been using my credit cards responsibly and paying on time and never been late at the last 2 years, My XX/XX/XXXXcredit report doesnt show my payment history Also I have accounts went for collection that I have paid it already and still shows as I owe them money, such as XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX credit card I need your help as I need to know what is going on my credit report when I check my credit score it shows that I have a score of XXXX Which a good score however the collection still shows on my reports despite I have paid already.

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 2020-10-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ( Consumer ) have disputed validity of debt via all three ( 3 ) credit bureaus without resolution. 

On XX/XX/XXXX, I dialed ( XXXX ) XXXX at XXXX XXXX, on a recorded line, to request XXXX XXXX XXXX XXXX XXXX ( Debt Buyer ) prove : 1 ) prove how much I owe via full accounting details, 2 ) that I owe the alleged debt via signed credit agreement between Consumer and original creditor ( Synchrony Bank/Amazon ), and 3 ) that it actually has the right to collect on the alleged debt via signed purchase agreement or contract between original creditor and Debt Buyer. Alternatively, in violation of FDCPA, I requested all negative/false tradelines associated with this account be removed from all 3 credit  bureaus. 

On XX/XX/XXXX, I received correspondence from Debt Buyer whereby they failed to provide : 1 ) full accounting details totaling alleged amount owed ( Exhibit 1 ), 2 ) signed credit card agreement between me, the consumer, and alleged original creditor ( Exhibit 2 ). Most disturbing, they provide what appears to be a robo-signed or " false affidavit '' regarding the alleged debt ( Exhibit 3 ) that lists alleged DATE OF PURCHASE (  XX/XX/XXXX ) the PRE-DATES alleged Charge Off ( XX/XX/XXXX ). 

The FDCPA prevents any debt collector from collecting amounts that they are not expressly authorized to collect under contract, and it also prevents debt collectors like XXXX XXXX from using deceptive, false, or misleading representations in the course of collecting a debt.

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 2018-11-14
Company: EQUIFAX, INC.
State: NJ
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 has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 have been a capital one customer since XXXX & since about XXXX I have been kept at a credit limit of {$1700.00}. I have submitted multiple requests for a limit increase twice a year since XXXX & have always been denied with no real explanation, other than insufficient use of card. So then I've used the card more & have paid the full amount off, only to be denied due to my account not being eligible at this time. Which makes no sense. I pay {$39.00} dollars a year for this card & can't reap the rewards of it. It's a scam! At this point, I am extremely dissatisfied with the way this company has dealt with me & I don't use that card anymore. I applied for a credit limit increase again today but I have no hope at this point. I would like to either, have them increase my limit or offer me an upgrade option. I would not like to close this account since it is my oldest account & this would affect my credit score which is currently XXXX. Seems like capital one is stealing from me! since I can't make up the {$39.00} a year in rewards & it seems purposely calculated by the company, which is not fair. I have {$20000.00}, {$15000.00} & {$13000.00} in credit limits on other cards, which I manage very well & have never had issues with late payments. Also, most of their customer service employees are extremely rude, have offered absolutely no help or real explanation & have even hung up on me in the past. I am submitting this complaint because it is clear that capital one is taking advantage of my yearly payment & capping me off at a low limit of {$1700.00}. Essentially only capital one gains from me. They get more from the annual fee than I can ever get in rewards. Seems pretty calculated & more like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: MD
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:
The following bureaus placed unauthorized hard inquiries on my credit report violating code 15 US Code 1681b. 
XXXX - 2 hard inquiries Experian - 8 hard inquiries XXXX - 17 hard inquiries XXXX 's of truth were mailed on XX/XX/2023 pending response to all three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
In order to prevent Wells Fargo from continuing to avoid answering questions, I will file a complaint for each point separately. 

Wells Fargo did not address the overage that I was told would have happened as a result of making the mortgage payment on XXXX XXXX. I was lead to believe that this overage would occur once the original loan was completely paid off and that XXXX XXXX payment would have been extra. If this was not to be the case, Wells Fargo did not clarify. 

Please tell me where in any of the responses does Well Fargo mention this overage. I have attached the email from XXXX XXXX in previous complaints but Wells Fargo has refused to acknowledge it. Here is what he said on XXXX XX/XX/2020 : XXXX Just wanted to try write out what we were discussing. If you make a payment tonight or tomorrow that payment may process and appear on the XXXX. If so, I can pull a new payoff and have the numbers updated. This would result in your loan amount going down. If the payment does not process until after signing then you would end up receiving a refund for overpayment. 

I spoke with my manager and she did confirm that late charges are assessed on the XXXX and we are not scheduled to disburse until the XXXX. 

If the payment was made on the XXXX as scheduled you would receive a refund for the overpayment because we would not be able to rework numbers prior to closing in this scenario. 

Please let me know if this clears it up and how you intend on proceeding so I can work this correctly 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 2023-01-12
Company: EQUIFAX, INC.
State: WI
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:
As I'm going back on my credit report I noticed usual use of my credit report. Someone has used my credit for information that does not tan towards me. Some of the information with accounts reporting on my has be used that was not authorized by me. 


These accounts have been included on my FTC Fraud Affidavit XXXXXXXX XXXX  XXXX presented by my local police department 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 2019-03-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2018 XXXX XXXX XXXX acct XXXX decided to sell my home loan to another company called XXXX XXXX XXXX acct XXXX  and i have been current and never late and they reported late 30 days on the month of XX/XX/2018. I have been current every month please fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: JPMORGAN CHASE & CO.
State: NY
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 had gone into the Chase branch in XXXX XXXX NY on XX/XX/XXXX. To apply for opening mortgages for six properties in XXXX PA. XXXX XXXX was the mortgage broker I dealt with as well as his branch manager XXXX XXXX and XXXX XXXX ( it had to be escalated to the VP of XXXX XXXX ). He informed me that after he has all my information and paperwork required, he would run my credit. I said he may only run my credit ONCE. He made two hard inquiries on my credit, one with my knowledge on XX/XX/XXXX and the other without my knowledge on XX/XX/XXXX. All within almost a 30-day period. I had then received 5 commitment letters from XXXX XXXX and the loan processing office in Ohio, on XX/XX/XXXX. Which I signed all 5 letters and sent them back, that day. For some unknown reason, which XXXX XXXX did n't inform me, until the closing of the 4 properties. He stated, '' Lets close on these 4 properties, then we will close on the last one after ''. I asked why and he said, " It makes things easier ''. I complied with his 30 years of experience, he had made a point to tell me in the beginning of the process on XX/XX/XXXX. We only closed on 4 properties which took 5 months to close on. He never reached out to me to close on the 5 properties. I had to escalate it to the VP XXXX XXXX. I tried to explain to XXXX, the situation and sent him an email of my signed commitment letter. We had a few correspondences and he not to worry, we have your credit report on file for 120 days. XXXX got back to me on XX/XX/XXXX, telling me there is nothing he can do, the commitment letter has expired and they must redo my application over. I had him send me that in an email. I have not gone through with the application process again. I do not want to run my credit for the third time. I lost that property too. I have all supporting documents to support what I mentioned today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Comerica
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I hav multiple commercial realestate loan With my Bank XXXX Comerica Bank ) close to XXXX XXXX now I paid all the loans off I noticed that 2 swap loans out of 4 the realestate that the assets ( Building ) was sold over 4 years ago yet the Bank never stop taking the payment every month via XXXX for Principal and interests they never credit me back or closed the 2 Swaps loans I dont understand where all the payment went close to $ XXXX in payment I dont understand why the refuse to address this matter with a specialist at the Bank so I can have a clear understanding how all my payments were applied I need your help the Bank now is putting a lot of daily pressure to get me to close the 2 remaining swaps loans please call me or email me ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: ALLY FINANCIAL INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom it May Concern, Ally Financial is displayed on my credit reports as an inquiry.

( a ) I did not apply for any loan with ally financial ( b ) I never inquired about any services with ally financial and it is likely someone else used my information in an attempt to apply for this loan.

( c ) This is not me that applied for this loan. Delete from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation