BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
As of today, at this time, the initial delinquency date is missing and the account type is wrong on the entry reported by XXXX XXXX XXXX, an XXXX, Georgia based collection company. 

Let me repeat, on my equifax report, it is missing the initial delinquency date and the account type is wrong. 

This complaint addresses those two inaccuracies on my equifax credit reports as of today. 

Furthermore, I am providing to you a copy of the creditors chart of accounts that prove to you that the one and only first delinquency date is XX/XX/XXXX ( XX/XX/XXXX ). 

This data can be verified simply by looking at the attached documents and On page 4, if you can actually make heads or tails of this Clearly manipulated ledger, look at the right Dark Red box and it clearly and simply shows and proves thar the initial delinquency date is in fact XX/XX/XXXX. XXXX. 


But, keep in mind, XXXX XXXX XXXX, the bogus creditor, would like for to believe that the initial delinquency date of the XXXX XXXX XXXX  is XX/XX/XXXX ; ladies and gentlemen, 13 months later than the true default date, XXXX XXXX has knowingly, willfully, and maliciously reported that the initial default date is XX/XX/XXXX, even though it proves with their own ledger signed and emailed you me from XXXX XXXX XXXX. 

There are many reasons for them to break the law and inaccurately report data as they did to me for 7 years and counting. 

And it can be supported by their actions even when I brought it to their attention going back years, they Have rejected every dispute that I have filed for their mistake, And refused to correct same at anytime And now 7 years later, they removed the date of first delinquency date recently further leaving my Credit file even more incomplete with missing data required to be reported by them. 

See, this is a pattern of behavior that is illegally on the state and federal level, and the moment years and months ago when I tried to cordially converse with them and they hung up the phone on me several times. 

There is a Georgia Attorney General Complaint that we are filing soon after this and seeking attorneys for a potential class action law again XXXX XXXX XXXX so we will talk to high later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is in reference to the Consumer Report sent by your Company via mail dated XX/XX/22 While checking the above report, it came to my notice that your Company has furnished an account on my report. 


In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. 

Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 
Thank you for your cooperation Sincerely XXXX XXXX XXXXXXXX ALL RIGHTS RESERVED WITHOUT PREJUDICE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: JPMORGAN CHASE & CO.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had hail damage from a storm on XX/XX/XXXX. My roof was repaired XX/XX/XXXX. The required paperwork was signed off on by a Chase banker as satisfied and payment was made. I received a notification from my homeowners insurance company on XX/XX/XXXX that since Chase hasn't paid my homeowners insurance premium, I no longer have coverage effective XX/XX/XXXX. If payment is received within 10 days, I will be reinstated ; otherwise, I will have a lapse in coverage. I called Chase the day I received the letter and spoke with a rep in their insurance department. The long and short of it is someone within Chase deemed my house a " demolished property '' and therefore, they do not collect an insurance premium for a year while the house is supposedly being rebuilt. All I had was roof damage. It was never demolished. Their rep told me he has been a banker with Chase for 11 years and has " never seen this level of incompetence '' and used the words " flabbergasted '' and " egregious error '' repeatedly during our conversation. He also told me that he was escalating my case and a supervisor would contact me w/in 24-48 hours. Of course, no one has. I called again today and " a supervisor was not available '' and I was given another 24-48 hour window within which to expect a call. The rep also told me that it would not be my responsibility to fund the insurance payment and that Chase needed to re-establish the escrow account, fund it and get my insurance reinstated immediately. Obviously, they have zero sense of urgency since none of that has happened.

This is not the first bad experience with Chase since my mortgage was sold to them last XXXX. In XXXX of this year, I wanted to make an additional escrow payment and instead of withdrawing the additional amount I wanted to apply, they withdrew more than double the amount and coded it as XXXX mortgage payments. I was also told that I could not set up auto payments with them and had to specify dates and amounts to be withdrawn so that I could make an additional payment on my mortgage by the end of the calendar year. That proved to be false, but the level of ineptitude demonstrated by the people I have dealt with at Chase is absolutely horrifying to me since they have ready access to my money. That case was also escalated and took 2 weeks to resolve. 

I have contacted the lender who refinanced my loan and begged them that if they had any say as to who bought mortgages from them, to NEVER let Chase buy another mortgage and told him what had happened. Unfortunately, they can't control that but if there was any way I could get my mortgage away from Chase at the same interest rate, I would have done it. They are the absolute worst bank I have ever had dealings with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found two accounts that are not mine. I did not open these accounts. These are two phone company accounts. One which already went into collection. Please remove these accounts for me ASAP. Thank you so much for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an American Express account and right after I hit the submit button American Express responded DENIED in 2 seconds. I couldnt believe I got a denial in 2 seconds so I called and within minutes I got an email that said DUMMY CODE and a message that said denied for returned payment. I knew that to be a blatant lie that American Express made up so I asked the operator to research and the operator said NO you DONT have a returned Payment. The operator called the credit department to inform them that there is NO returned Payment and that department said ok resubmit application.FAKE DUMMY CODE was applied again and returned payment was used as grounds for denial Again. If there is no return payment in 30 days like the DUMMY CODE says then Im being denied for another reason and thats most likely Race. American Express didnt run my credit as they would others. American Express did not change the denial excuse even after the customer service rep XXXX said I had no returns payments. If there is not a verifiable denial reason then it has to be systematic racism that is customary within the American Express institution. I have a American Express card for my son and the credit limit has been XXXX over 18 years. Now if that isnt blatant systemic racism then I dont know what is at this point. Stop the fabricated denial excuses. Fair trade practices is all I ask. Litigation seems to be warranted as this point because XXXX not the only one American Express is fabricating denials against.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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: In progress
Consumer complaint received 2022-06-24
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: MID FLORIDA FINANCING LLC
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 is missing that should be on the report

Complaint:
This is XXXX XXXX, I would like to request that the CFPB investigate my complaint against Mid Florida Financing. 

I financed a vehicle from Mid Florida Financing, My vehicle was illegally repossessed on XX/XX/2023 in XXXX, the peace was breached in this repossession because the company XXXX second Recovery almost ran me over during the repossession on XXXX XXXX XXXX. 

Mid Florida Financing or XXXX Second Recovery has not complied with any XXXX  State or Federal regulations or statutes to legally have possession of my vehicle. 

Mid Florida Financing informed me my vehicle was sold at the auction. 

Im requesting a bill of sale from the auction. 

Im requesting to know what company or parties the vehicle was sold to. 

Im requesting to know what date time and location was the auction for my vehicle.

Im requesting to know if I owe any balances from the sale of my vehicle from the auction. 

I will be filing a civil action in small claims court and lawsuit against Mid Florida Financing if any information on my credit report is incorrect or not accurate. 

I will be electing to update a new address on file to receive all notices from Mid Florida Financing. 

As of today XX/XX/2023 I havent received any notices from Mid Florida Financing detailing the auction or repossession of my vehicle. 

The new address I want to elect my notices from Mid Florida Financing mailed to is XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX Since XX/XX/2023 Mid Florida Financing has the wrong mailing address on file and I contacted Mid Florida Financing to elect for an updated address to receive my notices. 


I contacted XXXX XXXX requesting for the information to be updated and I requested for the usps tracking number for my notices. 

I will be filing new complaints with all XXXX State and Federal Agencies regarding my repossession and any information that is not correct on my credit report. 

Im requesting that Mid Florida Financing updated my account information to show on my credit report showing the balance I owe on the vehicle I financed from them. 

Mid Florida Financing can email me all details about my account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 Dear Experian, XXXX XXXX I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 
2. Account Name : XXXX XXXX  XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Experian Information Solutions 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:
Related to NYS Attorney General File # XXXX attached XXXX XX/XX/XXXX communication stated : our records indicate that on or about XX/XX/XXXX, Mr. XXXX accepted our offer of an exchange for his phone Related to # s XXXX and XXXX, Consumer Financial Protection Bureau communicated : STATUS Company response is in progress as of XX/XX/XXXX. 

XX/XX/XXXX and XX/XX/XXXX follow-up resolving texts were received from XXXX, # XXXX : " Hello Mr. XXXX, This is XXXX with XXXX XXXX XXXX XXXX. We will be reaching out to offer you a refund due to the time it has taken to get a device in stock. What is a good contact # and time for us to go ahead and reach out to get the process started? Background : 4 months past, the initial communication from XXXX was XX/XX/XXXX : Good Morning this is XXXX the supervisor of the XXXX XXXX XXXX XXXXHere is your ticket # : XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, attached letter advised : still investigating your dispute claim. 

XXXX supervisor XXXX refund offer was accepted, never an exchange as XXXX XX/XX/XXXX mischievously reported to and by NYS Attorney General. The scope, confusing and credit score negative impact of XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, credit bureau reporting is attached ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Credit Bureau Reporting. 

4 transactions are detailed in attached PURCHASE of XXXX XXXX XXXX XXXX XXXX and RETURN of XXXX XXXX  XXXX. The XX/XX/XXXX and XXXX, XXXX refund of the XXXX XXXX XXXX XXXX purchase ( 1 ), XXXX  XXXX return ( 4 ) and 2 other related transactions ( 2 and 3 ), as evidenced in attached, remains awaited. 

Please confirm the transaction order of the XXXX supervisor XXXX refund to be 4, 3, 1 and 2. 

Reply, reflecting XX/XX/XXXX and XX/XX/XXXX promised XXXX refund, from XXXX XXXX XXXX XXXX XX/XX/XXXX letter also remains awaited. 

Confirmation is awaited from Experian and XXXX  that they will not be willing maligned participants in the XXXX XXXX XXXX XXXX XXXX mischief as they did to my burdensome XXXX fraud hurt ( XXXX XXXX account # XXXX XXXX XXXX ), re : attached ACTIVITY ON EXPERIAN AS XXXX XXXX EXPERIAN XX/XX/XXXX to XXXX XXXX. 

XXXX  chose avoidance of the XXXX fraud. Confirmation is awaited from XXXX  that they will not be willing participants in the XXXX XXXX XXXX XXXX XXXX mischief.

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 2021-08-03
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XX/XX/XXXX, I called Citibank to convert my account to a basic banking account, which I was told would not incur fees as long as I maintained a $ XXXX monthly average balance. This is an inactive account, one that I opened 25 years ago and kept open in recent years mostly so as not to damage my credit score. 

Last week, ( XX/XX/XXXX ) I saw an email from Citibank alerting me that my savings account had a negative balance. I called them up to find out what was happening. It turns out the specialist who had converted my account to the basic banking product left my linked savings account out of the package meaning I incurred $ XXXX/mo monthly maintenance fees and $ XXXX/month overdraft fees. 
The first supervisor I spoke to reversed two thirds of the charges, and informed me I would need to call back to get the rest reversed. He admitted that this was a clerical error on Citi 's part and my linked account should have been converted to the basic product at the same time as my checking. 
All seemed fine, until I called Citi yesterday to reverse the remaining fees ( {$170.00} ) reversed, only to be told this was not possible. While originally I was willing to consider the " clerical error '' that led to the high fees was the result of an honest mistake, my latest interaction makes me think Citibank is preying on customers who are too busy or unable to track their accounts on a regular basis. 
In summary, late last year Citibank had assured me I would not pay any monthly maintenance charges as long as I maintained a balance of $ XXXX/month, but ended up finding a way to charge me $ XXXX/month and refuses to reverse the charges even though they resulted from their clerical error. 
In addition to the hefty fees, Citi has damaged my credit score.

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