BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-22
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XX/XX/XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
OnXX/XX/XXXX, XXXX/XXXX add a hard inquiriy on my credit report per XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: IL
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:
After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They are not investing my dispute. They claim I owe money to an apartment that actually owes me a refund. I have the invoice from the apartment and they are still not investigating. I spoke to someone at NCS on XX/XX/2018 and again on XX/XX/2018. I have sent them multiple emails with documentation and they have still not completed a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: EQUIFAX, INC.
State: GA
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:
I live in XXXX, GA. I Tried to establish new Power service, and XXXX XXXX  could not check my credit with Equifax, they thought I had a frozen or block account, I called Equifax customer service XXXX 3 different agents they said I don't exist with Equifax, they don't have a file or any records, they told me to call my lenders and ask them to start reporting to Equifax, I did that called 3 different lenders and asked them if they could start reporting to Equifax, they told me that they do report automatically every month to all 3 Bureau credit agencies. so I called them back still get not help at all. interesting thing is I get a monitored credit check with XXXX by XXXX and they provided me my 3 scores every month, from XXXX, XXXX and Equifax, but no body from Equifax seems to care or neither know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
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: Old information reappears or never goes away

Complaint:
Experian is consistently coordinating accounts lacking integrity encoding wreckless billing, violation Declaration Labor Act poor labor and wage, late payments, inadequacies of credit limit and high limits, written plagiarism by foreign account holders, violating Georgia Medicaid HIPPA Act by cyberterorism defamation of SS # and defamation of character jeopardizing National Security.

Last 4 digits if SS # 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 2019-09-07
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Best buy MasterCard closed by me 2007, After card closed I was billed annual fee for several years unknown to me totalling {$290.00}. I have called, faxed in my ID & SS to Nevada and nothing helps correct situation. They post on my credit report every month delinquent. Very frustrated Please help

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 2018-11-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

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 2018-03-27
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm a victim of identity theft someone got my information and opened up accounts in my name

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 2021-08-06
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I purchased XXXX through my CashApp account and mistakenly transferred it to their account directly ( $ cashapp ). I've been trying to get support to help me retrieve the funds, but have been going in circles with phone, app and email support. Surely there's something they can do since it was sent to them. If I had mistakenly sent it to a random I would understand they can't help, but this money went to them directly..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: BUDGET CONTROL SERVICES, INC.
State: CO
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:
In XX/XX/XXXX I filed bankruptcy and had all accounts XXXX XXXX XXXX discharged. In XX/XX/XXXX I noticed that a former creditor Budget Control Services continues to post derogatory information regarding an account that was discharged in bankruptcy. I contacted all 3 credit reporting agencies and the XXXX XXXX XXXX. The creditor said they removed the information on XX/XX/XXXX. I verified my credit reports on XX/XX/XXXX and the information had been removed. I pulled a credit report on XX/XX/XXXX and saw that they proceeded to report the negative information immediately after agreeing not to on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX MasterCard closed by me 2007, After card closed I was billed annual fee for several years unknown to me totalling {$290.00}. I have called, faxed in my ID & SS to Nevada and nothing helps correct situation. They post on my credit report every month delinquent. Very frustrated Please help

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 2018-12-14
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XX/XX/XXXX I tried to work with Wells Fargo on a loan Modification They could never find my paper work So recently I filed a complaint with you Complaint # XXXX for which Wells Fargo said I was denied back in XX/XX/XXXX now they are saying I was approved and never signed and returned the paper work for which they could never find??? Now after several months of phone tag a XXXX XXXX XXXX Ext XXXX tells me that i was accepted for a loan Mod but I never received the paper work back in XX/XX/XXXX because they could never find my paper work. So which one was it Denied? or Accepted? Funny that back in XX/XX/XXXX/XX/XX/XXXX they could never find my paper work until recently I was told that back in XX/XX/XXXX I was denied, Now they are saying I was approved but failed to sign and return their paper work for which I never got. This XXXX XXXX must think I'm an XXXX My question is if they could never find my paper work until recently XXXX minute I'm denied in XX/XX/XXXX and then in XX/XX/XXXX I was approved. All Wells Fargo wants to do is play games with people so they don't have to pay up. XXXX told me I short sold my home on Bad advice since I was approved They never could find my paper work. But Wells Fargo kept accepting my partial payments. XXXX called me on XX/XX/XXXX to put me down.

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 2018-07-07
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Yes I tried for months to get my card unblocked and address change. I did infact get up to the higher reps who sent me a letter to a address i dont even live at anymore. Today they did after months of trying to get my card unblocked sent the letter to the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX indiana XXXX. But I feel entitled for my card to be reopen if it is closed becuse i couldnt log on online banking to pay my card and i didnt even get to use it alot. I feel owed a credit and my credit card back current and open. The last four digits of the card i been trying to get unblocked at citi bank forever is XXXX. My name is XXXX XXXX ssn XXXX XXXX XXXX DOB 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 explanation
Consumer complaint received 2018-11-28
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I had a lot of fraud on my account. They printed out paper work for me to look over. I told them by looking at account what wasn't my charges but I wanted to be sure so I didn't lie not meaning to about any charge. My car broke down and I wasn't able to bring them paperwork. Reguardless I told them what i knew was fraud and where it started. Them knowing this and I should have been reembursted at that matter. I am no longer able to have a checking account. It showes I owe money I should not owe but should have been paid back. This issue has yet to get resolved maybe you can help. I don't want the negative reports on my credit for they are false and I would like my money back if all possible. With my luck I doubt in a million years.

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 2019-09-07
Company: Experian Information Solutions Inc.
State: CO
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:
In XX/XX/XXXX I filed bankruptcy and had all accounts XXXX XXXX XXXX  discharged. In XX/XX/XXXX I noticed that a former creditor XXXX XXXX XXXX continues to post derogatory information regarding an account that was discharged in bankruptcy. I contacted all 3 credit reporting agencies and the XXXX XXXX XXXX. The creditor said they removed the information on XX/XX/XXXX. I verified my credit reports on XX/XX/XXXX and the information had been removed. I pulled a credit report on XX/XX/XXXX and saw that they proceeded to report the negative information immediately after agreeing not to on 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 explanation
Consumer complaint received 2018-11-28
Company: Experian Information Solutions Inc.
State: NV
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 have disputed the late payments on XXXX XXXX XXXX XXXX The credit bureaus refused to reverse the late payments.They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2020-09-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to remove my extended fraud alert from my credit report as well as my consumer statement and any kind of blockage for credit access my credit file. 
Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: United PanAm Financial Corp.
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:
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  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 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have disputed the late payments on XXXX XXXX XXXX XXXX The credit bureaus refused to reverse the late payments.They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. The initial dispute was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

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 2018-11-28
Company: CITIBANK, N.A.
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:
XXXX  has been non-compliant with removing the unverified account SEARS/CBNA which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that SEARS/CBNA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2020-06-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Around Monday XX/XX/20 I called Wells Fargo to ask for COVID impacted relief, my payment was due on XX/XX/20. 

Customer rep promised that he adjusted my account and {$0.00} payment should reflect in a few days. I no longer need to make a payment for the next 3 months. 

A confirmation # was not given to me, because it was an extraordinary cirmustance and is handled internally. 

I called back to speak with another customer rep - to verify and was told that my account was marked successfully for {$0.00} payment for 3 months. 

On XX/XX/20 My account was marked late due to non-payment. 

I called again to speak to a customer rep, this time they told me that I had payment deferral for 1 month not 3 months - but she made it for 3 months. The reason my account was showing late payment is because it hasn't " circulated '' yet. " They're letting all accounts go overdue and then correct them all at once instead of going into each account one by one, they have far too many cases '' She said to wait a few more days till my account recycles and there any payment due will be marked at {$0.00}. 

I waited a few more days, and then got a letter in the mail that my account was being reported to the Credit Bureau as missed payment. Even though I was told explicitly not to make any payments. 

Now I have a missed payment derogatory claim on all my credit reports.

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 monetary relief
Consumer complaint received 2018-11-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation