BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I deposited my check of {$7800.00} into an atm located at XXXX XXXX XXXX. The machine was buffering and then a red bar came in the atm screen stating that the machine is experiencing issues. It keeps my check but asked me to remove my atm card and printed a receipt. I have contacted everyone from bank manager, to claims, to branch, and everyone is giving me the run around. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Experian Information Solutions Inc.
State: AL
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of. Section 511 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them promptly. I demand these accounts be deleted immediately or I will be forced to take action with the Federal Trade Commission. This has been truly stressful. My information was also impacted by the XXXX data breach and may have somehow gotten into the wrong hands. No matter what I need them to remove these inaccurate things from my credit report. It's ridiculous for them to have even taken this long to remove clearly inaccurate information

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 2020-09-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
To whom this may concern, I have applied twice for a Paypal Cashback Mastercard that is issued by Synchrony bank. And I have twice been denied. I called the banking company to see the reason. And I have not gotten a direct answer as to why. My credit is in good standing and I have XXXX debt collections.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inaccurate information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inaccurate information listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of inaccurate information which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, M XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-12-31
Company: Square Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a " Cash.app '' card in the mail, totally unsolicited by me. The card came complete with an Account Number, expiration date, security code and my name. I have been unable to verify how to cancel this card with " Cash.app '' or with their parent company " Square , Inc ''. Their help # is XXXX, but has no customer service people to help. They point you to their website " Cash.app/help '' which is mainly for activation, adding money, etc. I have contacted the FTC and submitted an " Identity Theft Report ''. Shortly after receiving this card, I received an " XXXX XXXX Personal Savings '' new account information card listing a full account # for a " High Yield Savings Account '' which I had not requested. In the same mail was a letter from " XXXX XXXX XXXX XXXX  '' in XXXX XXXX XXXX, UT stating that an account had been opened in my name and they believed it was opened without my authorization, thus closing the account. They then went on stating the applicant had access to my name, address and SSA. I have filed an " Identity Theft Case '' with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XX/XX/22 to XXXX and TransUnion to remove erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX  XXXX  XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$380.00}

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 2022-07-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inaccurate information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inaccurate information listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of inaccurate information which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, M XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first timE and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from 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 2016-03-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX 2013, I became a XXXX. During this time, my daughter and I shared an account through XXXX. During XXXX of my " XXXX '' I deposited some Mailbox Coupons into the XXXX account as cash, I do n't even remember this happening : ( XXXX contacted me immediately and with the utmost embarrassment, I went into the local branch to clear up my mistake. I received a lecture from an account representative, paid the money that I owed, and had the account closed. I was assured that because I resolved it immediately there would be no repercussions other than the sheer embarrassment of the situation in front of town 's people and my daughter, I stopped XXXX. Here we are over 2 years later and I am working really hard to get my credit up and stick to a stringent budget. This is when I learn XXXX has reported " XXXX '' on XXXX/XXXX/13 and the closure status is " not reported. '' This is on my credit report, is keeping me from opening a bank account, and simply not right considering I was told there would not be anything reported in regards to banking or me. Granted I know I made a horrendous mistake and I tried to make amends as quickly as possible. I wish it had never happened but it did and I do n't think I should have to continue to pay for this error especially when I was told I would not have to over 2 years ago.

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 2016-08-16
Company: AFNI INC.
State: WV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company calling itself AFNI, Inc. sent me a collection notice purporting to represent XXXX. Alleged a balance due of {$1900.00}. My account with XXXX was closed in XXXX or XXXX of 2015 and paid in full. 
Company name and address : Afni, Inc. XXXX XXXX XXXX, XXXX IL XXXX Company phone : XXXX Company website : www.afnicollections.com Their letter to me included several account numbers which I will gladly provide on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The original debt was from a phone compeny and the phone was faulty they even sent me another unit due to this issue but yet again I was getting billed even when I was in WiFi mode using data rather than roaming but the system reported me a roaming using data, so I complained and complained but yet they would not remove the fees so I do believe its my fault for there software or hardware issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: EOS Holdings, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Within literally minutes of opening a new cell phone account and number with XXXX XXXX ( KY ) is received a phone call from XXXX. I did not answer but when I got another call several days later I returned their call to see what it was about. I spoke with a " customer service representative '' named XXXX, who refused to give me any information until I provided him with my name and phone number. He said their call concerned " personal and private '' matters. I could not get any additional information from him. I insisted that he connect me with a supervisor and after several minutes on hold he did so. They identified themselves as EOS CCA, and I finally figured out that they were some sort of a debt collection company, but the supervisor would not provide me with any information about the reason for their calling me. He was very evasive when I asked him direct questions about how he got my phone number and why they were initiating this phone contact with me. I finally insisted that they take me off their call list, which he said he did. I told the supervisor that I expected they would NOT ( emphatically stated ) call me again and that I would be filing a complaint with an appropriate government agency. It is amazing to me that they would call me so soon after opening a new telephone account with a company I had never previously done business with. Incidentally my credit rating is impeccable and I am debt free. Interesting to say the least. Are they legitimate or scammers. The are inconsiderate in the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
During the pandemic I missed a payment and entered forbearance. In XXXX I came out of forbearance and the company offered me a loan modification to get caught up with my missed payment! I made the three trial payments they required and now they are telling me I don't qualify and are trying to charge me late fees!

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 2022-01-22
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX of XXXX I opened and deposited {$100000.00} in a Citi Accelerate Saving Account at Citibank, subsequent deposits brought the account to today 's balance of {$140000.00}. On XX/XX/XXXX I attempted to access my account so I could transfer some funds to my checking account. After multiple attempts and 2 phone calls ( each waiting 2 to 3 hours ) I was informed that my account has been to deactivated because it had not been active in two years. I was informed that the account can only be reactivated by going to a Citibank location or writing Citibank Client services in XXXX XXXX. I live 267 miles from the closet Citbank branch in XXXX VA. 

Therefore I sent a certified letter to Citibank Client Services on XX/XX/XXXX. It was delivered on XX/XX/XXXX. I heard nothing. I called Citibank again ( two hr wait ) and was told that " being delivered and being received are different things :!!, they are sorry but write another letter. I called the manager at the XXXX branch who could do nothing to reactivate my account and said my letter needed to be notarized and I needed to use their form to request reactivation. He gave another number to request the form. Called that number ( only 1/2 hr wait this time ) and was told no form was necessary and send another letter to Client services. 

On Friday XXXX XXXX I sent a XXXX  envelope with a notarized letter requesting my account to be reactivated. The package was signed for on XX/XX/XXXX. I still have heard NOTHING. 

Please assist me in retrieving my money.

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 2017-08-21
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
I was shocked when I reviewed my credit report and found a late payment on the date below : *XXXX  2015 I am not sure how this happened. I believed that I had made my payment to you when I received my  statement. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: EQUIFAX, INC.
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 filed numerous disputes with equifax in regarding them reporting inaccurate data on my credit file damaging my good name and they have ignored my request to fix the problem. Here are a few of my dispute that's gone unanswered XXXX dated XX/XX/21. Dispute XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Those are a few of my many disputes. I spoke to many representatives of equifax they have Launched atleast four investigations and escalated my disputes numerous times and still nothing. It's almost like equifax doesn't even have communication with the creditors and they don't verify information they are posting to your file. I have attached proof for them to correct the inaccuracies and they ignore it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
All of a sudden I had an alert that a negative collection was on my credit report on XX/XX/XXXX. Upon investigating it appears Southwest Credit our of XXXX, Texas it opened a collection on XX/XX/2018. It says I owe XXXX. I needed service with them 2 years ago due to poor coverage and a XXXX owed. Never received a final bill either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: NC
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:
I reviewed my consumer report and found several accounts being reported inaccurately. I have disputed these accounts with the reporting agency but have not received a timely response. These alleged accounts have caused great harm to my report. As I result, I have experienced a lot of stress. My stress levels have caused my XXXX XXXX to increase to the point of needing medication. I am challenging the following accounts : 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : N/A 2XXXX XXXX XXXX Account Number : N/A 3. XXXX XXXX XXXX XXXX Account Number : XXXX 4. XXXX XXXX Account Number : N/A 5. XXXX Account Number : XXXX These accounts are in violation of 15 USC 1681e ( b ). They are not reporting with maximum possible accuracy after having been reinvestigated. Thus being used improperly to damage my reputation. USPS tracking : 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 2017-06-20
Company: Advance Bureau of Collections
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I WAS RENTING APATMENT AND I PAID FIRST AND LAST MONTH RENT DURING MOVE IN PROCESS AND WAS NOT BEHIND AT THE TIME I MOVED OUT WHICH WAS IN XXXX 2015.  NOTICED NEW COLLECTION ON MY REPORT IN THE AMOUNT OF XXXX DOLLARS IN XXXX 2015 WITHOUT ANY NOTICE.I AM NOT RESPONSIBLE FOR THIS AS I WAS NOT LATE AND ALSO PAID FOR LAST MONTH. THE APARTMENTS WERE XXXX XXXX LOCATED ON XXXX XXXX XXXX XXXX GA XXXXRENT WAS XXXX.COLLECTION AGENCY IS ADVANCED BUREAU OF COLLECTIONS.I HAVE NO CONTRACT WITH AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My personal information was used by someone in my house to obtain a XXXX system. My mother became ill and ended up passing away during this time the bill was turned over to collections to a third party collection company in XXXX. The bill was paid in full just as was promised with my income tax in XXXX. I am a single mother and struggling as it is. I am trying to obtain a home loan and they refuse to remove this from my credit report. They only reported that it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Yamaha Motor Finance Corporation USA
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have asked Yamaha financial why am I not getting my monthly statements and the girl on the customer line stated to me that if I pay my monthly loan early that I would not get my statement???? 
As of the dates months that I have paid I only have received one statement, which was for XXXX and I just received it XX/XX/2020 Payment Date Amount Status XX/XX/2020 XXXX Completed XX/XX/2020 XXXX Completed XX/XX/2020 XXXX Completed XX/XX/2020 XXXX Completed XX/XX/2020 XXXX Completed This is from the company website Here are your available Statements from the past 12 months. Select the Statement you would like to view.

Statement Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Recently Enhanced Recovery CO L, flagged my credit report with a collection on a debt that was paid off years ago ( the original debt with was XXXX and I'm still with XXXX ) with the original creditor. 

When Enhanced Recovery began trying to collect for this discharged and settled debt, I informed them that before I'd pay anything I'd need to receive a verification of debt via mail. 

They never verified the debt and are wrongfully flagging my XXXX   credit report to collect on money the original creditor was paid for. Of course when I touch base with the original creditor they tell me the debt 's been satisfied and that Enhanced Recovery has been informed of this ; of course Enhanced Recovery CO L has no idea of this and insist that they're owed money as they " bought the debt. '' Even more disappointing, these " collection '' specialist can not be reached when you try to call them on the contact number they provided ; how can a XXXX dollar collection agency not provide a working number or accurate contact information? 

This is a racket, buying solvent and nonsolvent debts and flagging people 's credit for debt that isn't owed. XXXX and Enhanced Recovery should be ashamed of themselves ; shady practices across the board. Please flag Enhanced Recovery for these practices and hold them accountable, at the very least can we get them to remove the wrongful collection from my credit report until they and XXXX  verify the debt in writing. 

Thank you!

Company response to consumer: Closed with explanation