BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
1. I called Chase Claims to file a dispute on my debit account on XX/XX/XXXX. 
2. The Chase Supervisor said she would not except my dispute under The Fair Credit Reporting Act. 
3. I advise the Chase Supervisor at XXXX that I had XXXX charges I did not authorize that showed up on my debit Card.XXXX. 
4. a unauthorized Charge in the amount of {$100.00} dated XX/XX/XXXX and a unauthorized Charge of {$34.00}. 
5.The Supervisor from Chase refused to investigate or make a Claim for these XXXX charges on my account in violation of the Fair Credit Practice Act. 
6. When I advise the Supervisor she was not qualified and violated the FCP, and I would call back to talk to another Supervisor, she said I will mark your file so you can not make a claim. 
7. I called back and talked to XXXX another Supervisor on XX/XX/XXXX and he advised me that The Prior Supervisor marked my account not to take a claim.. 
8. Both of the Supervisors for Chase our unqualified to make decisions, because there actions caused a Legal liability for Chase Bank.. 
9. XXXX XXXX CEO should receive a copy of this complaint to let him know that a XXXX year old XXXX was discriminated against, and caused a liability a Tort claim against Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have mortgage with Wells Fargo for a rental property that I own with XXXX other partners ( we are an LLC, but the mortgage is " personal '', in that it is not in the name of the LLC. One of my partners in the business is the primary " money '' person, so he is the one that mails the check to Wells Fargo. He made an honest mistake. In ordering new checks, he mistakenly changed one of the digits on the account number of the checks that he reordered. He send out all his bills, and then started getting notices back from his creditors that the checks were invalid. Recognizing his mistake, he reached out to every one of the creditors that he knew got a bad check and let them know what happened. He was told by Wells Fargo that everything was fine and there would not be a problem. I personally can monitor this account from my online account, so I happened to notice that " all the sudden '' the mortgage account was over 30 days in arrears and in the same amount of time, my credit took a XXXX + dive. They dishonored the check ... which put the account XXXX days over due ... prompting them to ding my credit score by well over XXXX points. There was a letter sent out to the primary account holder ( my partner ) which he did not receive until well passed the due date and grace period of the mortgage. As soon as I saw the error, I paid the overage out of my own pocket. I contacted Wells Fargo, as did my partner and explained the issue. They told us that they would be working on a resolution to the issue and get back to me after 15 days. I have not heard anything from them, and I want to resolve this.

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 2016-09-16
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have asked Equifax to correct my name and they have failed to do so. My name is XXXX XXXX. 
Equifax keeps sending me a response with : XXXX XXXX XXXX. That is NOT MY NAME. I need my personal information updated as I believe the other persons information is impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company by the name of Midland Credit, phone number XXXX, keeps calling my work number during working hours, they ask for me but if I am not available they are rude and once put in my voice mail, they never, never leave a message. I do not even know what this is in reference to. They need to stop harassing me and my co-workers. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
this money from a credit card upon in XXXX, was paid by the insurance that I had within my card in case of unemployment or loss of income. insurance payment in full the entire amount of money. the XXXX XXXX XXXX sold it without telling me to " XXXX, XXXX XXXX XXXX, XXXX '' and they sold it to another company without information I have is happening. In XXXX " Asset Acceptance , LLC '' buy this debt without having a legal document, there is no legal or original contract between them and me. and they an tried every possible illegal methods phone calls at all hours and on weekends, they took the case to court without telling me, sending letters to an address where I do not live, now they still call my employer and have filled documents cut without my presence or my knowledge, they are forcing my employer to collect my salary money they ask to pay that debt. Now my employer is giving me a finalized to leave my work because of this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: EQUIFAX, INC.
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
It appears my ex husband whom I got divorced from XX/XX/XXXX has been taking out credit in my name. I have been living back in XXXX since XX/XX/XXXX so I have not taken out a mortgage, store card or bank card in the U.S.A. in that time and yet Equifax wants information on all these types of loans to verify my identity for a free yearly credit report. 

Your VerificationNow we just need to make sure that you are really you. These questions are based on information in your file, and only you should know the answers to them. 

Your credit file indicates you may have a mortgage loan. Who is the credit provider for this account? 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX & XXXX XXXX OF THE ABOVEWhat is the total monthly payment for the above-referenced account? 
{$670.00} - {$770.00} {$770.00} - {$870.00} {$870.00} - {$970.00} {$970.00} - $ XXXXNONE OF THE ABOVEYour credit file indicates you may have a retail card, opened in or around XXXX XXXX Who is the credit provider for this account? 
XXXX, XXXX, INCNONE OF THE ABOVEYour credit file indicates you may have a bank card, opened in or around XXXX XXXX Who is the credit provider for this account? 
XXXX XXXX XXXX XXXXNONE OF THE ABOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several accounts that are reporting on my report incorrectly 1 XXXX has me listed as late never late XXXX XXXX fraud late not mine never late 3XXXX XXXX not mine fraud 4 XXXX fraud not mine 5 bankruptcy not mine must be mixed file

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
None of these options explain my situation. Midland funding had entered into an agreement with the cfpb ( you ) and can not accept any payments from me. This is stopping me from refinancing my vehicle as i can not satisfy the debt. I needed them to send a fax/letter/email to my bank stating they can not accept my payment, but they refuse to do so, even though they would say it to my banker over the phone. I believe this to be out of spite toward me so that i can not refinance my vehicle, since they will not be receiving the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I was trying to send some money to an individual XXXX trough western union. The problem was that I need it immediately because was an emergency at the moment. However, western union asked me for a photo identification, so they will make the money available to the receiver, otherwise western union would not be able to continue with the transaction. I did send the photo id to western union after a couple days and western union said they approved and money was available to the receiver.I did not want the money to be received by the receiver anymore because I send the money already in some other way, so I want it to get my money back as it should be and I did get my money back, but they charge me for the transfer of money which I never send because I received the money myself. I called them 2 times and they told me me that they would not charge me any fees for doing that, but they did and that is my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax said it did not share data with other credit reporting companies and data was secure, however Equifax shared data on my and my wife 's file, and that information caused us to get turned down TWICE from a credit union for a loan. Equifax did not have the information and bought it from XXXX, this violates the FCRA regarding information privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Through a credit monitoring agency, I received a notice that a hard inquiry was placed in my Equifax credit report by XXXX XXXX XXXX on XXXX/XXXX/2016. Someone used my SSN to order XXXX cell phones. After contacting XXXX XXXX XXXX Fraud Center on XXXX/XXXX/2016, they confirmed I did not make the purchases and that XXXX unfortunately had already delivered the phones earlier that day to my previous address, a house that was empty. I had filed a credit dispute with Equifax on XXXX/XXXX/2016. Today, XXXX/XXXX/2016, I checked on the status of my dispute and Equifax states that the hard inquiry will remain in my credit report, even though XXXX XXXX XXXX admitted that the inquiry was fraudulent. How is it that Equifax will not exonerate an identity theft victim? What can I do to have the incorrect inquiry removed from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed and disputed with Equiafax the inq are wrong i dis not allow a car dealer ship and paydayloans run my credit the inquiries are all of them I also have identity alert and fraud alert on my credit information they have the wrong social and address them out of inquiries everything I have disputed up and goes happen nothing is coming up also certain accounts are not mad like the medical XXXX I 've had insurance for fpur years

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
When I get my credit report on XXXX, after I entered my information and the report has someone else 's credit report such as XXXX XXXX or some other loan. I 'm an XXXX and I came to US from XXXX 2013. I only have XXXX cards these years and never use loans or other cards.So it 's definitely not me. Today I applied for an XXXX card and would like to see my credit history and I found that problem. So may I ask someone to help me check my credit report and fix it? Thank you so much in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
THERE HAS BEEN SOME UNAUTHORIZED WITHDRAWALS FROM MY BANK ACCOUNT.I WOULD NEED TO GET A NEW DEBIT CARD, BECAUSE SOMEONE HAS MY CARD.THE WITHDRAWAL WAS FOR XXXX TWICE AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Billing statement

Complaint:
I have XXXX cancelled American Express Blue card accounts that have been cancelled for over 3 years. I destroyed the cards and intended to pay off the balanced. I became unemployed and in good faith sent a small payment each month. Now that I am employed I am working with a credit consolidation agency to help me pay off my debts. They requested I ibtain the XXXX digit card numbers for both accounts, Amercian Express refuses to give me the information stating that they can not do so over a taped phone line. However I am to effortlessly give my social security number over the same line. I e pressed the need to have these numbers is so I can repay my debt, however they are not cooperating. Secondly, they spent a day calling relatives and family of my ex husband to question my debt. I find this absolutely unacceptable as these are people in no way related to these account and no responsibility for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We own a XXXX ( XXXX ) and were offered " Merchant Financing '' by American Express. I spoke with them at length about the amount of the loan, how it was to be paid back and what payback was based on. The way the loan is repaid is within a year period, they pull a percentage of the credit card payments to the business before they hit our bank. My understanding after numerous conversations and seeing the numbers in the contract, was that the repayment was based solely on our last year 's income. I figured this was a good, smart way to structure a loan since we are a fairly new and growing XXXX. I knew I could pay a percentage of our income based on last year. However, XX/XX/XXXX I noticed something was wrong. We made $ XXXX more XX/XX/XXXX than last XX/XX/XXXX, but somehow we still did not reach the payment amount American Express had set for the month. I called them and asked how this was possible if it was based on last year 's income. It took me numerous calls and follow up e-mails to finally learn that they had added a XXXX % growth rate into the equation when they calculated our loan. I spoke to several people and, based on the fact that I was misled, asked them if they could extend payback to two years ( from one ) or give me a couple months break while I found a bank to refinance it. I was told no on both counts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
In XXXX 2015 I requested my annual free credit reports, sent in a copy of my driver 's license and social security card but have only received a copy of my credit report from Equifax last week. I sent several emails but have not received credit reports from XXXX and XXXX. 
Equifax continues to add several addresses that are incorrect ( lived at the same address for the past 26 years ) to my report, account numbers and year acct open have been changed and information over nine years remain on my report. This is the same complaint I filed against all three bureaus but still experiencing the same problems today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-11
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Approximately Mid XX/XX/2016 I attempted to purchase a vehicle. The dealer ran a Equifax credit report and the dealer reported back the credit score was unavailable because I was reported deceased. I attempted to contact Equifax by direct phone call and was unsuccessful. I utilized their required on line request for a report based on a contested report and received a report that my file could not be opened. I then requested one by mail and included the required fee in an attempt to repair the error and included a copy of my drivers license and social security card as requested on the form in early XXXX. I shortly again received another form letter again stating the report is unavailable. The document they returned again only included the same automated help lines that I started with giving me no additional resources to try and attempt to repair this major error in their files. I also attempted to get credit for XXXX for my XXXX and XXXX husband and was again refused due to this grievous error in their reporting system. I in the mean time went to a social security office and they still list me in a living state so I am completely unaware where Equifax started this error. I personally have XXXX and the inability to purchase a car for transportation and XXXX for my XXXX and XXXX husband are making it difficult to maintain our jobs without extreme difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There were XXXX XXXX student loan accounts that were removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. 
( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )

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 2016-02-21
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Balance transfer

Complaint:
American Express has decided to sell or transfer ALL their XXXX co-branded credit card accounts to XXXX. There is no option to continue with the current card. By doing this, XXXX customers ( Including me ) will now have to take a big hit on their credit report for not only closing an account, but opening another ( With the transfer ). They have done nothing to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have initiated XXXX total disputes with Equifax over the last year to contest a debt that I never signed for and want removed from my credit report. XXXX XXXX is the debt collector that I contacted to get this handled. They responded with a " lease agreement '' that has no signature anywhere on it. I 've sent XXXX XXXX XXXX letters referencing violations under the FDCPA and FCRA. 

After further investigation, I went through the FEDERAL MANDATES and noticed several violations against Equifax 1. Equifax did not complete a proper investigation with the collection agency. 
2. I requested Procedure on how Equifax verified the account. They never responded [ 15 U.S.C 168I ] 3. Equifax has taken more then 50 days to respond on every letter I sent. 

Attached is the evidence I have compiled against Equifax , I have exhausted all efforts to get this corrected on my own to no avail. 

Please help me take action agianst this incompetent company, It 's unbelievable that the government still allow Equifax to do business in America. Thank you CFPB for being a voice for the consumer. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Social Security Payment Center in XXXX " Stalled '' in Paying my Back-Pay in a Regulated ( 90 ) Days of ( 90-90-90 ) Days. Instead of, Returning to College in XXXX, I was Forced in a Late Start at College in XXXX where as, I was Frauded and Scamed of an Apartment that had XXXX. XXXX XXXX as, XXXX XXXX XXXX would not. move my Apartment nor, Break the Lease. My Credit Report reflects Frauding in a # of Accounts attached to National Accounts, Public Records, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX as well as, Creditors and their Promotional Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card
Issue: Billing statement

Complaint:
I have had a Kohl 's credit card for over 8 years and never had a late payment. On XXXX XXXX, XXXX I signed up for paperless statements. The website clearly states that when you sign up for paperless statements that you will receive an electronic statement via email. I never received any electronic statements or paper statements after this date. I did a search through my email server just to be sure I had n't missed them, and found only a handful of emails from Kohl 's, none of them being statements. Since this is a card that does not consistently have a balance I depend on statements to remind me to pay. On XXXX XXXX, XXXX I received a phone call from Kohl 's advising me that I had a payment due that was 60 days late. I was surprised by this and paid {$75.00} right then. I did n't think anything of it until I pulled my credit score from my credit union and saw that my credit score had gone down from XXXX to XXXX!

Company response to consumer: Closed with monetary relief