BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
in XXXX i leased a new XXXXXXXX XXXX. I was late a payment in XXXX, and then was late again in XXXX of XXXX. Out of no where they had repossessed the vehicle and then proceeded to sell if for profit. All this time had passed without any payment seeking. I then filed a dispute on all credit accounts to have the account removed from my credit reports. They accepted this and then closed the account across all reports. This is still true for for my XXXX and XXXX. I again disputed to have it completely removed, to which they then reinstated the account claiming that I owe them over {$5000.00}. I can not believe they would do this after 3 years. They account was closed, it is still closed on my other reports. I have repeatedly tried to dispute this this XXXX XXXX with no success. I have proof and screen shots that the account was closed on XXXX XXXX, and is still closed on my other reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-01
Company: Southwest Credit Systems, L.P.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved from my apartment on   XX/XX/XXXX  and stopped service with  XXXX  on  XX/XX/XXXX . They told me I could take all my products from my apartment tinny house and it would be connected to the  same account number. I tried to connect to cable when we moved to the house and nothing worked. They had to change out all the boxes.   XXXX  I received a different account number from them and called them multiple times to verify this. So what is on my credit report is a bill they never mailed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My credit report was negatively impacted by the close of this account. Wasnt made aware that the company prompting to close my credit account would affect my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: LA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In accordance with the fair credit Reporting act Radius Global Solutions # 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 purpose.

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 2022-05-02
Company: Experian Information Solutions Inc.
State: FL
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2017-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
my bank of America checking account was closed on XXXX XXXX XXXX due to a check for the amount of {$230.00}. this check was sent to me by a fraudulent company acting as a business looking to hire me to run business errands through via 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 2017-11-06
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Receiving phone calls out throughout the day on my personal cell phone family members for that that I 'm unaware of

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 2022-05-02
Company: EQUIFAX, INC.
State: NH
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 Report Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 604 A Section 2 : it states a consumer reporting agency cannon furnish a account without my written instructions. 

15 U.S.C 1681 section 602 A. states i have the right to privacy also with further research per. IRS, I learned when a cancelation of debt is {$600.00} or more a 1099-c must be filed therefore this account should no longer be listed as a charge off ; it is however income and income isn't apart of consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: EQUIFAX, INC.
State: MS
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:
I have been approved by XXXX XXXX XXXX  Credit Card Department for a credit card balance of {$2500.00} I have had the card and have been using the card responsibility for 3 months now, yet, they have not reported the account to Equifax, XXXX and XXXX  Credit Bureaus at all. Please have them ( XXXX XXXX XXXX Credit Card Department ) report this credit card account to Equifax, XXXX  and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: EQUIFAX, INC.
State: VA
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:
This debt does not belong to me. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: EQUIFAX, INC.
State: MN
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:
In XXXX a XXXX credit account was opened in my name. That was closed but a new address has shown up on my report. XXXX XXXX XXXX , XXXX XXXX, NV XXXX. I have never lived or even been to Nevada. Each time Equifax says they removed the address but it is still on my report. 

In addition I have request that the hard credit inquiry be remove by both XXXX and XXXX XXXX. And that also remains on the report.This is the case despite them telling me that they requested it be removed. I have made request for the remove of the information 7 times since XXXX. I have called both Equifax and XXXX on this matter multiple times. At one point I have had to request the information be removed from XXXX  and XXXX  who removed the information with no issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The following hard inquires on my account that are not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : 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 2021-07-21
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Theres been a collection on my account that Ive been trying to dispute for fraud and somehow its still appearing on my credit. Im not aware of the account from midland funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have maintained my mortgage with Chase Bank since XX/XX/XXXX. I was recently informed by my Financial Advisor that the Private Mortgage Insurance ( PMI ) should have been " automatically '' cancelled in XX/XX/XXXX when the loan to value of my home reached an 80 % loan threshhold because of appreciation and improvements. <P/>Earlier this month I formally requested Chase to terminate the PMI because my loan has a current loan to value of 62 %. My request for cancellation was not approved because of Chase 's interpretation of " delinquency ''. Chase claims their policy requires no delinquency in the prior 12 months prior to cancellation. <P/>My payments were made promptly and uninterruptedly over the past 11 years. Earlier this year I lost my job due to downsizing and at the exact same time my mortgage was adjusted up by {$700.00} each month. I requested a forbearance of the " increase '' payment amount. I continued to make monthly payments pursuant to Chase 's direction based on the prior payment amount while they reviewed my modification request. <P/>Prior to their decision on the modification I found employment and was able to pay the increased payment amount. <P/>Chase is claiming that my withdrawal of my request for payment modification retroactively changed the status of the " adjusted '' payment they were reviewing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
This account has been closed and charged off with the original bank and I do not have a signed contract with Midland Funding or XXXX XXXX XXXX nor have I done business with Midland Funding or XXXX XXXX Systems. I have a right to demand a signed copy of such contract between Midland Funding/ XXXX and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRUIST FINANCIAL CORPORATION
State: GA
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:
orting act XXXX Account # XXXXTruist has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC1681 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 my credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I have my Capital 1 card set up for autopayment. In XXXX of XXXX it did not accept my payment due to the balance being below the minimum thresh hold, but I was not notified. I was contacted by the credit bureau in XXXX of XXXX about the missed payment and went directly to the company. I paid the {$5.00} payment and disputed the fees and charges since it is set up for autopay. The fees were waved but the late payment was not removed. I appealed to Capital 1 in writing, and they refused to remove the late payment report even though they still have me set up for autopay. 

I have disputed this with all the reporting agencies and Capital 1 is advising there will be no action on their end. I feel this is wrong as I was not late and autopayment is set up. Currently autopayment is still set up but now I have to manually make a payment since I do not carry a balance and it is just a monthly fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
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: Their investigation did not fix an error on your report

Complaint:
I have been a victim of identity theft. Credit card accounts were open in my name with the company XXXX. I worked with the creditor on numerous occasion and were able to resolve the issue. The creditor also sent alerts to all three major bureaus. Experian refuses to budge in removing the accounts. I have mailed in letters from the creditor, FTC Reports, police report and a slew of other requested documents and they still say the account has been verified. The creditor has stated they have not received disputes as of recently. Experian has also been in violation of FCRA by not sending method of verification or based on Section 609 what they have obtained to determine if the account belongs to me. I would like for these accounts on Experian to be removed.

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 2017-10-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XXXX/XXXX/XXXX, I filled out an online application for a Chase XXXX account. Except for the payment information needed for the initial account deposit, I entered in all of the application information requested, including personally identifiable information. 

Shortly afterwards, I received a congratulatory email from Chase for saving the application. It contained a link that supposedly would direct me to Chase 's XXXX XXXX page to complete my online application. According to the email, the application would be valid for XXXX  days from the date I last saved it ; however, my application could not be found after XXXX day. I immediately contacted Chase and they too were unable to locate my application and they never contacted me as was stated to me by a Chase call center representative. 

In the wake of recent credit breaches, I am extremely concerned that my PII has been comprised, which could lead to my financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Capital Link Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Capital link and management has phoned my number repetitively, 3 times today alone leaving intimidating messages on my answering machine beginning at XXXX XXXX  for a XXXX XXXX, although being told they have the wrong number this has continued. The number is XXXX. After contacting them 3 times today they are telling me there is nothing they can do, unacceptable!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: SYNCHRONY FINANCIAL
State: IL
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:
I received to hard inquiries dated on XX/XX/2018 and XX/XX/2018. I was unaware of this inquiry because I never applied for a loan with Syncb/CareCredit. I reached out to the company in regards to the situation and they quickly removed the credit from my report however, both inquires are currently causing damage to my credit score and I would like for them to be removed due to 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 non-monetary relief
Consumer complaint received 2020-06-07
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I'm trying to link my account with the XXXX XXXX  to start investing into stocks, but PNC does not allow me to link my account to it. I really want to start investing, so I need access to link my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Receivables Management Partners, LLC
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 belongs to someone else

Complaint:
I recently obtained a copy of my consumer report an noticed fraudulent charges. I am requesting that these accounts be removed from my consumer report pursuant to 15 USC 1692a ( 5 ) the term " debt '' means obligation or alleged, this is an alleged debt. I refuse to pay this alleged debt and I am demanding to cease and desist communication pursuant to 15 USC 1692c ( c ). I have attached a copy of my identity report and the fraudulent charges. I am demanding that these charges be removed from my consumer report pursuant to 15 USC 1681b 4 ( c ). Please investigate this matter! Also, pursuant to 15 USC 1681a ( e ) the proper way to investigate a consumer report is to have an interview with my neighbors, friends and associates. I would like proof of that. If you're unable to provide that information. I am demanding you to remove these accounts from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: FIRST HAWAIIAN, 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:
On XX/XX/2018 i submitted a dispute to XXXX  for First Hawaiian Bank in which i have no idea where this account originated from. I also mailed First hawaiian on XX/XX/2018 to validate this said account. I never received any response from either and followed up on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018, I have yet to received any correspondence in regards to this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Phoenix Financial Services.  I requested a validation on XX/XX/XXXX as there were 2 accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and accounts were listed as disputed by consumer but I had not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and the accounts are still reflecting on my report and I do not believe the accounts belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation