BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Application processing delay

Complaint:
I applied for a Chase XXXX XXXX credit card. At first, chase denied the application due to a fraud alert on my credit file. Once I removed the alert, I asked Chase to review my application again ... .it was denied a second time because I had apparently applied for credit too many times. Once I explained that the previous attempts were a local Chase branch applying for the wrong credit card by mistake and that no other accounts were actually established, Chase agreed to review my application yet again. This time, the application was approved with a {$20000.00} credit limit. This was several weeks ago but I had n't yet received my card so I called again ... this time I was told that my application was hold pending receipt of a copy of a government ID. I have faxed and mailed a copy of my driver 's license but still have not received my credit card in the mail. I am attaching my driver 's license to this complaint. Please complete the processing of my application and send me the credit card as soon as possible. One of the most attractive perks of the XXXX card are travel related ... .I am leaving soon for a vacation and would like to take advantage of these benefits. Please ensure that I have the card in my hands before XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My wife and I had a credit card. The credit card company would not treat me as an account holder even after my wife called in to complain. I had my name taken off of the account. Experian is still reporting the account open. I disputed the claim. They researched it and only changed my status to authorized user and kept the account open. Even though the credit card account is still open, I am not part of the account any more and it should report as closed on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I submitted a form through XXXX XXXX and wound up wit hard credit inquiries by XXXX. I wrote XXXX a letter via US Post and asked them to provide any form of evidence that I authorized multiple credit pulls by their company. They refuse to provide me with any sort of documentation showing that I authorized a credit pull. I am asking for your organization to compel the XXXX major credit reporting agencies to delete any credit pulls by 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 2017-01-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have not yet disputed the items because they are 8 or 9 years old and should not be their anymore, which they still are. I would be much more confident about getting this resolved through your organization. Since this is illegal based on my research, which indicates statute of limitations for delinquent credit reporting is 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Under another CFPB complaint, XXXX XXXX had gotten information from Equifax although I had not applied for a XXXX XXXX, which was done fraudulently by XXXX. 
XXXX XXXX sent me a denial letter based upon information garnered from Equifax. 
I have tried several numbers given for Equifax , but in the end, the prompt transfers me to a fast busy signal ( essentially cutting me off ). This constitutes a refusal to provide me a free copy of the report that XXXX XXXX viewed fraudulently and denied credit based upon the fraudulent event. Since I am in a posture to obtaining a XXXX mortgage, the above stated could injure my reputation and credit, as well as interfering with me ( XXXX Veteran ) in garnering a home to live, which in the end could lead to homelessness in my last years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: KEYCORP
State: NY
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:
I paid of a car with Key Bank in 2019 with a loan from XXXX XXXX. Key Bank is reporting the payment late. Which is inaccurate. I have reached out to Key Bank on numerous occasions to get a copy of their records. They told me they have no records of me. So how are you reporting information if you have no records for me. I need help and would like to file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid my debt in full to XXXX. My home loan consultant at XXXX XXXX XXXX XXXX, The XXXX told me to get a letter of deletion from XXXX XXXX and XXXX refuses to mail me one. I would like this debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is on my credit reports. I do not believe it is right. I have never received mail from them. I do not want them calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Dear CFPB representative, On XXXX XXXX, 2016, I tried to withdraw {$800.00} cash from a U.S. Bank ATM ( XXXX : XXXX XXXX XXXX XXXX XXXX, WA XXXX ) using my foreign bank debit card ( XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ). The ATM initially displayed " Please take your cash '' but no cash came out, and then it displayed something like " There was an fault and the transaction was cancelled ''. However my debit card was debited {$800.00} and a transaction fee of {$3.00} was charged. I talked with the teller of U.S. Bank in XXXX, and they admitted that ATM had been having some problem that day and they have received complaints. They told me to submit a dispute from my local bank ( XXXX ) and wait for one week to see the balance updating on that ATM. I submitted a dispute for the failed transaction on XXXX XXXX, 2016 but today I received following-ups local bank saying the U.S. Bank said the transaction was successful and there was no remaining balance associated with this transaction, indicating U.S. Bank did not want to take the responsibility. I also contacted U.S. Bank ATM services but they refused to help me but insisted on resolving the problem with my local bank. So the situation became an endless loop : I submitted a dispute through my local bank as U.S. Bank told, but then U.S. Bank denied their responsibility. I hope CFPB can help me get my money back. Thank you so so much!!! 

Best regards, 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 monetary relief
Consumer complaint received 2015-12-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax has locked me out of on line disputes. The only explanation I get that an account number associated with my social security number is verified as my account. I have sent court documents that verifies that this mortgage loan belongs to XXXX XXXX. I have never had or filled any paperwork for an individual account with XXXX XXXX. It has been 6 1/2 years and I have disputed it since this company started reporting erroneous information on XXXX Equifax Credit Report. My last document XX/XX/XXXX is a District Court document showing case information, cause number, defendants, when it was filed the docket type, ( several defendants due Texas laws that if a person dies without a will property will be divided between children and spouse. ), case history by date, and an agreement that case is disposed due to estate has no value. It is unbelievable that the credit agency that destroys the ability to get a job, car, or home will take information from some company or person that could realize or not know the major impact erroneous negative reporting does to families. For me how does a company override court documents that clearly identifies that XXXX XXXX has not owned or a part of this mortgage loan since XXXX/XXXX/2013. That the case has an agreement and the estate has no value and it is disposed. If someone could let me the details of how a company can report when they are not involved and how they can report since there is an agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have written the credit reporting agenecies XXXX and Equifax numerous times in the past serveral months about a company reporting a debt on my file from XXXX XXXX XXXX that sent me a letter stating and i quote as it states in the letter " To XXXX XXXX the purpose of this letter is to advise you that XXXX XXXX XXXX XXXX has closed the above referenced account and will no longer be collecting on this account including account from original creditor XXXX XXXX XXXX XXXX You have no further financial obligation regarding this account. '' It further states that all credit bureaus have been notified ( XXXX Equifax, and XXXX ) to remove this item and correct this from your credit report. I immediately contacted the credit bureaus and they have refused to remove items as directed by the creditor as of yet. As this has brought down my credit score drastically being it was a collection acct.and caused me to to be unable to get loans for cars, mortgages, ect. I demand that you inform these companies of the fact that this needs to be removed immediately.I have an open litigation against Equifax in Civil Court that is pending as of now, as they have refused to remove another XXXX of the accts. on my file XXXX Bank bank loan that has been placed on my credit file that is not mine, they have been asked to removed numerous times and have refused. These companies have cost me XXXX of dollars from getting loans ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have a credit freeze in place but Experian provided XXXX XXXX XXXX access to and a copy of my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: FMA Alliance, Ltd.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, My reason for this compliant is to report a scam by FMA Alliance, LTD who claims to be a debt collector for XXXX. 

Some back history -- In XXXX I had lost my job and fell behind on some payments with XXXX. At the end of XXXX, I was able to repay my late payments in full and my account with XXXX is up to date, and in good standing. 

Today XXXX/XXXX/XXXX I received a letter from FMA Alliance LTD located at XXXX XXXX XXXX, XXXX TX XXXX, XXXX, stating I owed XXXX a balance of {$88.00}. Surprised to see this letter, I called FMA to get more information about the debt. I called and spoke to a customer service rep who had very detailed information about what I had purchased ( but had a hard time reading basic English off a screen -- side note ), and was given very specific information about what I items I had purchased ( all of which was correct ). 

Feeling even more concerned, I decided to, call XXXX directly to confirm if I had any outstanding balance. I spoke to a customer service rep by the name of XXXX, who informed me of the following : 1. My account was in good standing. 
2. They do n't use this company as a debt collector -- they use XXXX. 
3. I should report this as a scam immediately. 
4. Check my credit report. 

Therefore, I did not pay this bill, but in turn am filing a complaint against FMA Alliance LTD so others do n't fall victim to this horrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed security freezes on the 3 major credit companies due to identity theft I fell victim to. I recently applied for a personal credit card with XXXX and a business line of credit/ SBA loan but was told I was denied because they couldnt obtain a copy of my reports. I have tried to contact all 3 to have it temporarily lifted but have been unsuccessful. 
Thank 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 non-monetary relief
Consumer complaint received 2016-07-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I Have disputed a fraudulent account which went into collections with EQUIFAX over 4 times. Each time they claim they verified status and they keep saying they have not received the documents I uploaded via their own websites and also that I faxed to them. I have letters from both the collection agency : The original creditor XXXX XXXX XXXX has also submitted and it is not getting updated. I would like this removed from my credit report however I am tired of disputing it with EQUIFAX. Fortunately I provided the same proof for XXXX and XXXX and they removed it also immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX tax liens are incorrect and reporting with Equifax. I have searched my name under Georgia XXXX XXXX XXXX site under deliquent taxes and results list " no date found '', at the following Georgia XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint with the reporting agencies stating that the Public Record Information was inaccurate. It is my understanding according to Public Record law and dictionary definition that the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. I approached the Bankruptcy court where the case was initiated and the Bankruptcy Court has confirmed that they did not verify by documentation. Although I received proof that the reporting agencies did NOT " verify '' from the origin, the credit agencies have stated I can no longer challenge this negative entry which is against FCRA law. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
One of the Employees at Equifax has violated Federal Law and perhaps local law by DELETING my credit file AFTER I have filed complaints with this Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have been victim of identity theft XXXX times now in about XXXX years time. I have filed complaints with Consumer Fraud and with the Credit Bureaus. Latest issue is so many hard inquiries on my file by auto finance companies I did NOT give written or oral permission to. Wrote them all and asked for copy of credit authorization form they have that gave them permission. None have been able to send any because I never gave them permission. Only XXXX dealerships were authorized, XXXX XXXX in writing, and XXXX XXXX XXXX orally over the phone. Yet there are XXXX inquiries total on my file with XXXX credit bureau alone. I know one has a XXXX day window to shop around for auto financing, and it only shows as XXXX Hard Inquiry. This has always been the case all my life, yet this time with XXXX XXXX, almost all their companies they dealt with show as Hard Inquiries on my credit. My file is supposed to flagged due to the identity thefts, and yet they are allowing all these other entities to check my credit WITHOUT a credit authorization formed signed my me. I have wrote Equifax and the others asking they remove those unauthorized inquiries and got back a form letter with a response that I can not understand at all ... .. '' inquiries are a matter of record of all companies that have accessed your credit file ... ... ''. The inquiries are still there and not removed and it has affected my credit score drastically. I am so tired of these automated responses that get absolutely nothing done whatsoever to protect the consumer ... ME! They have allowed all sorts of entries on my credit that I never authorized, and then I get calls from collection agencies for loans I never made, and the vicious circle and cycle continues. At my age of XXXX I should NOT have to worry about this kind of criminal activity on my credit but I am worn out and tormented with this constant struggle to clear this garbage off my credit files, over and over and over and over again, with the Bureaus, from MY point of view are NOT co-operating. After all, its MY CREDIT INFORMATION, and yet they treat me like I am the culprit by trying to get it cleaned up and corrected. This Bureau system sucks in my opinion and needs to be done away with. I will be long dead if that ever happens, so meanwhile I am tormented with having to deal with thefts, illegal inquiries, incorrect entries and Identity issues ... ..growing old SUCKS!!!! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian has a collection account on my credit report. The information is incorrect and I do not owe anything. I filed a dispute with them before and they did not properly investigate the matter. I filed again recently and I am trying to speak with someone from the company. I have call records that show I attempted to call on more than XXXX occasions and they keep me on hold for long times and eventually the call is disconnected. When I asked a representative to give me a direct number to call the dispute department because I keep getting disconnected after long hold times he stated " we do not have a direct dispute number. '' I was told that I just have to call the general number and be transfered. I have yet to have a single successful transfer. When trying to file an online dispute they have a XXXX word maximum to describe what happened, that is just not enough to describe what happened and how much damage this is causing. The account is charging me for a lease break and a new carpet for my old apartment. I did not break my lease I was evicted. I should not be charge for a new carpet. When I moved in the carpet was already very old. I paid my security deposit and an extra pet deposit when I adopted my dog, and I paid dog rent as well every months. I did not get any of the deposits and after living there for a year with an animal on an already old carpet, they company had to replace the carpet regardless, but I will not pay for them to remodel.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I disputed this item with Equifax that this item does not belong to me, they came back saying that this item was verify by the creditor and that I should contact the creditor for more information. I try get them to tell me what method did they used to verify this information, but was told that it all electronic and there is not a person that they spoke with. I asked then how can you verify this information when you did n't speak to a rep from the creditor but she say that how Equifax verify information. I contacted XXXX XXXX XXXX XXXX to send me a the contract agreement that I consent to contract but they refuse to sent me the information instead asking me to resend the information that I already sent to the in my letter, which include the account number, the date of last activity, account satuts and amount due/charge off. XXXX XXXX reporting on Equifax that this item was charge off /sold {$8500.00}.

Company response to consumer: Closed with explanation