BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: TN
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 tried on several occasions to have Equifax verify several collections on my credit report that aren't mine and they have yet to supply how they have verified the collections or deleted the collections. Here are the dates that I have sent letters to Equifax : XXXX with XXXX by phone and XX/XX/21 and they have yet to verify how they have verified each collection. 
The collection from XXXX XXXX is a medical bill to my knowledge I haven't given anyone permission to give any information on my medical health to any third party per the HIPPA law. 

I have sent letters to both XXXX XXXX XXXX ( XXXX XXXX ) and XXXX XXXX XX/XX/21 and they have not responded and I have showed this information to the bureau and they have not responded at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Their was no collection attempt made to notify me of the balance before placing this account on my credit as a collection. The amount reported to the credit bureau is not correct also the date reported is not correct as well. They are over charging for unknown items. This company does not own the account and my personal information was submitted to a thrid party for collections. Again no collection attempts was made before placing the account on my credit as a collection item.

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 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: Opportunity Financial, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I paid my loan off for opportunity financial opp loans for credit deletion. I explained in great detail I was needing this information updated to my credit file because i getting ready to close on a home. I was told the information would be updated on the XX/XX/XXXX electronically. I have spoken with the credit reporting agencies and it shows XX/XX/XXXX last update. I called and emailed opp loans back and the are refusing to update my account with the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: EQUIFAX, INC.
State: TX
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 been disputing incorrect information on my credit reports since XX/XX/2019. A repossession remains on my report even though it has a balance of {$0.00}. I have disputed this account with the bureaus, and it still remains on my report. I would like for the account to be removed especially given the non-existent balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Starting XXXX of XXXX, I decided to not use my XXXX Credit Card and start making payments in order to reduce my balance on my XXXX card. At the time that I started paying payments I decided to pay some amount over the minimum requirement. The amount of monthly payments I made was {$200.00} ( approximately {$45.00} over minimum amount at the time ) on the due date. Every time the payment is due and when XXXX received my payment they sent emails reminding the due date and then confirming receipt of my payments, in which, they never mentioned that my auto pay has fallen under minimum payment required or any mention of late payments due to such change in my account. Since the payments were done automatically from my checking account, I thought I am on track to reduce my balance on my card. My payments were due on the XXXX of each month. Apparently, because of XXXX of XXXX holidays in XXXX,  XXXX had received my payment on the XXXX of the month and that triggered the increase in my payments without any notice from XXXX XXXX. They just accumulated the interest and late charges each and every month and charged me late payment fees and about XXXX % of interest on the total balance on my card. I did n't receive a courtesy call or a notification that my payments have fallen under minimum payment and charges are being accumulated in my account without any additional purchases and/or charges from my part. I have not used their card from early XXXX till today. I had to payoff some of my credit cards in order to qualify for a new home loan and that 's when I found out about the charges being accumulated in my account without any notice or courtesy calls. I followed up with the XXXX XXXX and after talking to the managers and representatives and explaining that if the payment is late for one week, I would receive numerous phone calls reminding me of such, however, there was no warning letters, emails or phone calls to remind me of such discrepancy. After following up with the XXXX cards and making many phone calls I could not resolve the issue with them. XXXX finally concluded that the charges are valid and they will not issue any credit toward late charges and/or interest charged on such late charges. In my opinion, these are fraudulent charges with no merit. A credit card with no activities for almost a year and a half should NOT have a higher balance than when I started making $ XXXX monthly payments. They only act to their own benefit without any consideration or regards for their card holders.

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 2022-01-25
Company: Experian Information Solutions Inc.
State: MS
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-01-25
Company: EQUIFAX, INC.
State: MS
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
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: Information belongs to someone else

Complaint:
ftc violations

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 2020-04-21
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A collection account was removed from my credit on XXXX. However, my credit score only increased by 5 points. It should have increased by 23 points, since a collection account was removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 I received a notification email from Bank of America about an abnormal online transaction. I quickly logged onto my account and found that there had been multiple abnormal transactions between XX/XX/XXXX and XX/XX/XXXX, transferring my money to the same recipient, who I don't know at all. I quickly contacted the fraud department of Bank of America and filed a claim. 

This morning I called the customer service and was told that my claim was denied based on their analysis. While I asked for more details about their analysis, the customer service just told me that the analyst asserted that notification text messages had been sent to my cell-phone regarding all the transactions I claimed for fraud. However, I checked with my mobile service provider and confirmed that there were no text messages from Bank of America notifying me any of those transactions.

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 2020-04-21
Company: EQUIFAX, INC.
State: PA
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:
CHECK FOR XXXX 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Square Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021, XXXX decided to deactivate my merchant service account because my transactions were too large and they didnt want to take the risk. Fine. I received an email that stated I would receive my account balance on XX/XX/2021. I have a {$1300.00} balance. Since then I have been attempting to transfer the funds to my bank account ( now two months later ) and the system errors out. Since my account is deactivated Im unable to receive any live support by phone or chat, and my emails go unanswered. Please help me get my money back. Im a small business and this hurts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: United Collection Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Today a woman from  United Collection Bureau repeate dly called me at work and refused to delete my work number from the contact information unless I gave them another number to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: CITIBANK, N.A.
State: HI
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:
Citibank is exploiting the corona crisis to fire support staff and hang up on people. Phone support automatically hangs up. The website automatically logs you out. This didn't happen on XX/XX/XXXX It is almost impossible to pay a credit card which Citi wants to collect more late fees. More fees, less employees -- - profit off of a pandemic.

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 2022-04-27
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, I made a transaction " XXXX XXXX - XXXX '' for {$53.00}, which should be qualified for XXXX points. BUT I only receive XXXX points, and I am missing XXXX points. I've contacted Barclay customer service twice, and case ID is XXXX. It has been six weeks but still no progress at all. 

Please DO NOT call me. I specified this with customer service but I still receive calls which just repeat themselves and do not solve my issue at all. This is VERY DISTURBING and ANNOYING. I've wasted too much time talking to customer service. Please look at the evidence I provide. Email me if there's any progress or additional info required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: PA
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 disputed my bankruptcies for errors and I ask for the original furnisher of the report to verify. A third party keeps verifying wrong information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX Chase sent me a letter cancelling the remaining balance on my account, a HELOC. 
The latter stated they would no longer accept payments on the account, and they would release any liens that may be associate with it and my balance will be reduced to {$0.00}. 

The letter also stated I may receive an IRS Form 1099-c Cancellation of Debt for the corresponding tax year, XXXX. I received the 1099-C in XXXX of XXXX for the discharged debt of {$110000.00}. 

My wife and I applied to a bank to refinance our first mortgage to a lower rate, and to take out some cash to pay the anticipated IRS debt and make some repairs. We applied in early XX/XX/XXXX. 

When the title company did a search with the county they discovered that the Chase debt had not been released and is still outstanding. 

As a result of the lien not being released, we are not able to close, however the IRS will want the taxes due because Chase sent them a 1099 C cancellation of debt. 

I contacted Chase on XX/XX/XXXX at XXXX x XXXX and spoke to an XXXX. 
She could not find any record of a lien cancellation and said she would refer it to a supervisor. She advised me to call back the next week. I followed up with calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I finally spoke with a supervisor. A Mr. XXXX XXXX on XX/XX/XXXX. His number is XXXX. 

He was at a loss to explain what has happened to the lien release. His best explanation was the company had thought the lien release was already sent in XXXX ( it was not because they kept contact me for a resolution until early XXXX ), and therefore did not think it was necessary to send another one. He said he would request a lien release be sent on a rush basis. 

As of today I have not received the lien release nor has my title company. The title company has also made several requests. 

I am not able to close on my refinance because Chase has not released the lien like they said they would, and my wife and I are in danger of losing my low rate or having to pay rate extension fees to keep the rate until this gets resolved. 

I also may have a tax liability to the IRS for the 1099 C Cancellation of Debt, on a debt that has not been cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I started a loan in 2005 to get into school for $ XXXX and its now $ XXXX. Ive paid the bill for years and they still wont lower my interest rate. I had a rough time getting my career going after school but Ive been a good borrower for the most part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Chase Bank is reporting a credit card on my credit report that was not opened by me. I have previously complained about this to Chase however the negative reporting remains. I am a victim of identity theft. I have previously shared with Chase Bank a copy of my lease which shows that I did not live, work, or have any association with the address that they used for the credit card account. I have had to dispute other accounts as well. I am attaching the letters from other financial institutions which have investigated and found that the accounts established in my name are not mine. I encourage Chase to pick up the phone and call the other banks to verify that they did an investigation and found that these accounts were not mine. Chase is the only negative information on my credit report. If this is not resolved within 10 days I will be instructing my attorney, XXXX XXXX, to bring a lawsuit and seek compensatory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Exeter Finance Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
On my credit report XXXX XXXX XXXX pull my credit Twice gave me more inquires so on XXXX saying iam Delinquent and XXXX XXXX , XXXX  , ... .Iam unemployed from  XXXX in XXXX XXXX Utah XXXXMe my wife fell down got hurt.She fell XXXX XXXX i XXXX XXXX we tried working one light duty but XXXX Ast Manager over work us, and XXXX XXXX says we have to stay working for XXXX to get paid.We could not get better.we are under doctors care.MXXXX wife quit XXXX i quit XXXX turn in uniforms ect.XXXX  XXXX  of utah refused to pay us any XXXX because we dont work for XXXXThat is Stupid law to keep working for same Company you get hurt at.Walmart employees managers make us work so hard we gone to XXXX and not getting better.Got behind on Mortgage XXXX  / XXXX XXXX each one would Not XXXX XXXX Clean so we can get to our property.Sometimes we had to stay in Motel for XXXX due to rainy days muddy.Now we tempory live here in arizona we are broke no money now to get back home.XXXX XXXX we ask them for over XXXX we was in SC and Utah for Inoice 's but they never sent us one.We should of had payment coupon Booklet there interest Rate is so high 26 % and we always paid {$50.00}. more amonth our payment is $ XXXX.we paid $ XXXX.most of the time.Payments due on XXXX of each month plus grace period of 10days.But XXXX credit report had 2inquires.Now we trying to get those off credit and get arangements to get lower payment and get up to 45-90 days get caught up.We always paid on time on all our bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions Inc.
State: CO
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  and XXXX  are reporting incorrectly that I am ( 120 ) days past due on the DEPTED/XXXX  partial account number XXXX. XXXX  ; Experian and XXXX are also reporting that I am XXXX XXXX XXXX XXXX days past due on the DEPTED/XXXX  partial account number XXXX. Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2022-01-25
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: Account status incorrect

Complaint:
Please review the information and documents attached to this 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