BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Other

Complaint:
I have big problem with Chase credit card.I went in under Debt Relief program to get out of debts.All credit card companies did right for me, except Chase. Chase closed my account XXXX/XXXX/2012 and discharged my debt of {$2600.00}. They sent me form XXXX so I can file taxes for that amount what I did. I though this problem is solved but I find out through Credit reports that it is not! Chase has been keeping reporting to agencies that my debt is charged-off with a current balance of {$3200.00} still owed to Chase!!! They even increased the amount and they claim I still owe them the whole amount of {$3200.00}. I filed few requests with Credit Report Agencies for investigations, but nothing ever changed at my Credit reports, ( XXXX and XXXX ), it changed in XXXX report that I owe them {$0.00}. 
I even called Chase to resolve this problem, but they keep claiming I owe them {$3200.00} even when I confront them with the form XXXX they sent me, and that I claimed taxes for them to the IRS and that they claimed that as a loss to the IRS, so they should report Credit Report Agencies they have to report that account is charged-off and balance is {$0.00}. Chase kept ignoring it and they still keep claiming I owe them {$3200.00} and they want me to pay it off!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: AR
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 sent a formal complaint to the reporting agency because inaccurate information, incomplete information and unverifiable information is being reported on my credit report. This has caused great stress in my life because of this problem with the agency reporting this inaccurate, incomplete and unverifiable information. 

The first time I received a letter from the agency stating that they want to make sure that I am the person who is disputing and filing a complaint. I sent in verifiable identification documents and then I received a letter stating that the information was verified but they showed no proof, nor did they disclose any procedures that were done to prove that this information was verified and accurate as they have been reporting. As a consumer I requested the steps that the agency took to insure that these items were 100 % accurate under 15u.s.c.1681 ( i ( 7 ) Method of verification. Description of reinvestigation procedures.

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My updated credit report from TransUnion was reporting a lot of inquiries that are not connected to me. The inquiries posted should not be on my report because I have neither inquired nor reached out to anyone of them. If TransUnion has made an extensive investigation about this, they should have removed all these inquiries. However, they have not their duties of either confirming the items and/or reaching out to me to notify. Here is the list of the unauthorized inquiries : 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 XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX AXXXX XXXXXXXX  Date of inquiry XX/XX/XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2020-01-15
Company: Experian Information Solutions Inc.
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:
I found out that my identity information was stolen and was opened a fraudulent account by XXXX XXXX XXXX. I submitted FTC Identity theft report to the credit reporting agencies and XXXX XXXX. Experian, XXXX, and XXXX have deleted this fraudulent account from my credit report, but recently, I discovered that Experian credit bureau reinserted the fraudulent account back to my credit report without my knowledge. I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: WELLS FARGO & COMPANY
State: CA
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:
Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) Wells Fargo dated XX/XX/XXXX 2 ) XXXX XXXXXXXX dated XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX dated XX/XX/XXXX Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) XXXX XXXX dated XX/XX/XXXX 2 ) XXXX  XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX XXXX dated 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 non-monetary relief
Consumer complaint received 2022-08-27
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Over the past year, Experian has repeatedly refused to remove unverifed Bankruptcy from my credit report therefore defaming my character. When I call by phone asking for their source of the bankruptcy I'm told it's XXXX XXXX. When I have asked for that to be sent to me in writing per FCRA guidelines, I'm told they are not required to provide me this information which is a direct violation of FCRA. Experian website states their data source is XXXX XXXX. So in XX/XX/2022, after Experian once again claimed the XXXX as supposedly legally verified I contacted XXXX XXXX. XXXX XXXX subsequently deleted the XXXX from both their verified and unverified files. Therefore, by law, Experian should have deleted the bankruptcy and yet they have refused to do so. This is yet another violation of the FCRA and my consumer rights. Furthermore, there are clear discrepancies with the bankruptcy listed ; it has way too many name variations, it does not include my DOB or full social security number. Just another reason why it should be deleted from my profile. 

Experian is in clear violation of FCRA guidelines and my consumer rights.

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 2016-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage with B of A. I have paid them every month for years via electronic fund transfer from my bank directly to them. In XXXX they transferred the servicing of that loan to XXXX. They did not adequately tell me so I had sent my XXXX payment via Electronic fund transfer to B of A on XXXX. My bank ( XXXX XXXX XXXX XXXX ) has also confirmed this about a dozen times verbally and in writing. XXXX called me looking for their XXXX Payment. I then called B of A. In fact I have spent about 8 hours in total now on phone calls, typing emails, etc .... trying to get B of A to help me. The customer advocacy individual they assigned to me has stopped communicating with me. In short, they ca n't find the {$440.00} I sent them on XXXX. I have since sent the missing payment to the new mortgage payment and I want my {$440.00} back from B of A.

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 2016-11-08
Company: CITIBANK, N.A.
State: CO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
After cancelling my XXXX XXXX in XXXX of 2016, I received a preloaded visa debit card with a refund of XXXX on it. Enclosed with this card was information on having the moneys transferred to my bank ( XXXX XXXX XXXX ). I filled out the form for Citi Bank and requested them to transfer the moneys, these moneys have never to date made it too my account. I was given a case # by XXXX XXXX. I have contacted Citi bank several times in the last six months and all I am told is that the funds where sent and this case is closed and I should contact my bank. I have contacted XXXX and they told me today finally to call back Citi and ask them for the XXXX # and the ACH tracing # and the Settlement Date. Today XXXX/XXXX/2016 I did contact Citi for this information and was told by them that there was no XXXX # or ACH information for this Visa account ( card XXXX ). I was also told that if the moneys did not get to my XXXX account that the card would automatically be put back on the card. That is very interesting as on the back of this card it is clearly marked non-reloadable! I believe what has happened here is that I yes I missed placing a ( XXXX ) in the bank transfer number info. For my account info I typed in XXXX, this number should have been and is XXXX. I have tried diligently to explain too Citi that I made this mistake and request them to investigate and either reload the card or issue a new card with the money due me XXXX, They have done absolutely nothing and are at this point just giving me the run around. I did also make certain that Citi had the correct routing number XXXX. I am very frustrated to this point and would respectfully request your support and help in this matter. I feel that although this is my error for not getting my bank number correct, this is still money owed me and in fact with this information that I have supplied Citi it should be a fairly easy problem to correct. I believe that Citi just plain does not want to do what is the correct thing and make certain that I receive the moneys due. Sincerely and Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX tele : 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 2020-04-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have No Knowledge of these Accounts, Why Are These Account On My Credit. I Did Not Give Any one Permission to Open Any Accounts Using My Personal Information these Accounts are Fraud

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 2016-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a credit card from capital one bank for many years they restrict my account because of a " fraud issue '' I waste my time going to the bank branch and the manager call custome service directly after sent all the information they said will take upto 3 days has been more than XXXX months and capital one is reporting as negative in my credit report. Every time I speak at the customer service they make me send my personal information again and it 's not resolve yet!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Synchrony Bank store card for Ashley / Ashley Home Store / Ashley Furniture HomeStores/SYNCB. 
Account ending in XXXX. 
I am listed as co-applicant on this card with my wife. 
From XX/XX/XXXX through XX/XX/XXXX, our promotional balance went from {$4700.00} ( XXXX ) to {$3600.00} ( XXXX ). 
Checking our account online, on XXXX XX/XX/XXXX, made payment of {$190.00} on XXXX XXXX, the info displayed indicated the promotional balance as {$3400.00}. 
On our XX/XX/XXXX statement the promotional balance is shown as {$3600.00}. 
On XXXX XXXX, I logged in, pressed chat option, opened chat with company representative ( prefer not to use name of agent ; this situation is not the fault of that agent ), during chat agent did research and responded with two different chat boxes. 
The first chat box from agent stated that balance is {$1900.00}, I asked to ensure correct account number was being used by agent. Agent confirmed correct account number was being used. 
Next chat box, agent indicated that the balance on their end, in their system, is now showing as {$0.00} ( XXXX  ). Again, made sure correct account number, agent verified that he was using correct account number. 
Due to much confusion, I called company. At first spoke with XXXX, she could not explain, to my satisfaction exactly what was happening with our account. She escalated my concerns to a supervisor, XXXX. 
After much conversation, she too had no idea or reason for the difference between {$3400.00} to {$3600.00} to chat balance of {$1900.00}, then XXXX. 
Between XXXX and XXXX, we made a payment of {$190.00}. Balance should have decreased not increased. 
Completely confused about what is going on. 
My previously submitted complaint # XXXX, is related, connected or XXXX to this new complaint.

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX  Balance : {$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 non-monetary relief
Consumer complaint received 2017-04-12
Company: Advance America, Cash Advance Centers, Inc.
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
First of all I missed the call and they left a message the lady was speaking so fast I really did n't understand her I had to play it over and over. So finally I give them a call back. And she tells me I owe a payday loan back from XX/XX/2011 and if I do n't pay it they will file a lawsuit against me. She was very nasty and ugly. I am XXXX and on a fixed income. This happened 6 years ago. And this was this first time me evening hearing from such. I felt as if she was harassing me and fast talking me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
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:
I don't know who's computer started the problem, but on XX/XX/XXXX, Both the Experian and XXXX credit reporting companys decreased my score XXXX points, without any reason. 

My accounts are all in good or excellent standing, I haven't had any new accounts opened or closed, and all my bills are paid on time. 
None of the 6 reasons apply at all.. 
I called XXXX, and they were very helpful, andcstarted a dispute/investigation.. 

Then i called experian to ask about and dispute it, and they told me they can't tell me why it decreased, the computer does it. 

I told them than their computer made a mistake, and they basically started deflecting responsibility, saying I should contact the lenders.. 

The lenders aren't the problem, again, all my accounts are in good standing, and there has been NO NEW ACTIVITY to warrant a XXXX point decrease in my score. 

I'm in the middle of trying to buy a house through the USDA, and this is the type of stuff that could cause my loan to not be approved.. 

PS Your entry box for the last 4 of my social security number, keep saying my entry of XXXX, is empty. 

So you might wan na fix that, and the last 4 of my ss # for identity is 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 2022-02-22
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went through this channel to dispute this account that is showing up on my report. I requested that they show me validation through the cfpb. Their response was, " If you believe that you do not owe this debt please send us a dispute with proof via mail to our XXXX XXXX XXXX XXXX, UT XXXX. '' If I put noticed that I don't owe the debt why should I have to show proof, there is no proof because I have no connections with this company. They put this charge as a collection on my report without proving that I owe this, but then they are asking me to claim my innocents. If there is proof that I owed this they should have just presented it to the cfpb and me in their decision that they just sent. If they can't validate they need to remove. I will exercise my federal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 opened a credit card with XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. All payments were paid as agreed every month except for XX/XX/XXXX. This was due to a medical emergency that I experienced that put me in the hospital for XXXX and a half weeks. I was unable to make arrangements with XXXXXXXX XXXX XXXX due to my hospitalization.

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 2022-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The account with CAPITAL ONE BANK USA N with account numbers XXXXwas legally paid in full and are no longer in use. I am not sure of how the Credit Bureaus process of investigation but they continue to report erroneous status and information about this account. Also. they are not showing me the complete payment history of this account. Moreover, this account is illegally re-aged. A lot of errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: Account Services Collections, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I hired a lawyer to represent me in a divorce case. I pre-paid a significant amount of & gt ; $ XXXX dollars. The lawyer did not perform and was significantly unprepared for my case, missing discovery items, etc.. Extremely poor performance. 

They lawyer / firm is now charging me for hours that I do not believe are accurate, and I do not believe that the lawyer/firm performed at all. 

They are putting an amount of {$5900.00} into collection ( they are the collector ) and it is on my credit report from the XXXX major agencies, and they are trying to harm me with. 

I have outstanding credit, except for this, and it is hurting my score by approximately XXXX points in the negative. 

I did not establish a credit line, or agree to the charges in good faith with this lawyer/law firm and sent them a letter of my dis-satisfaction even requesting a refund of monies paid. 

The fees they are claiming are excessive, and the amount XXXX pre-paid should have been more than sufficient. 

My lawyer 's performance was so bad, that opposing council was awarded fees from me, and those fees in total were only {$6000.00} dollars. The opposing councils efforts who totally destroyed my lawyer, and the opposing council was/is a top dollar and rated lawyer as a comparison. This opposing lawyer fees are less than what my unprepared and newbie less expensive lawyer and firm are trying to charge. Something is definitely not correct. 

This is a strong arm tactic trom the lawyer/law firm that damages an otherwise excellent credit history from me. I do not think that they are a creditor, and they always wanted their money upfront and had a credit card from me on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Affirm Holdings, Inc
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation