BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  acc # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXXI had a XXXX phone belonging to my son and myself. XXXX was very nasty at the time, I ignored them keep from having a XXXX or XXXX XXXX at the time. I sent payments to them for this account, in which they told me they had applied the payments to another account I had with them. I was really angry, so I stopped paying them back in XX/XX/XXXX. It fell off of my credit report with XXXX after 7 years. Then XXXX after 8 years and the limitations were up ( the 7 years ) sold the account to Enhanced Recovery in XX/XX/XXXX. How could they sell the account after it was past 7 years. Anyway, I tried to pay XXXX again, and the cost had increased a lot from what I originally owed them, and that is where we are now, I am told that since they sold this account, Enhanced Recovery can use it as a new date of XX/XX/XXXX. So now its been almost 14 years that this account has been in existence. I would like to know if you can help me at all. I hope you can understand what I am writing, it seem very unfair, if XXXX sold it before the 7 years, I could understand a little better, but it was well after. I am XXXX years old next year, and I ca n't fight this by myself. Thanks and have a great day!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: NC
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 seen inaccurate information on my consumer report and I tried to delete the accounts which I have attached to the letter. When I submitted the accounts to be deleted from my consumer report, the investigation results came back verified without any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: JPMORGAN CHASE & CO.
State: CA
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:
I was travelling to XXXX XXXX since my mother was sick and used the Chase Sapphire credit card to make the purchase from a web site called XXXX and the corresponding Airline was XXXX. I have multiple travel credit cards and used the Chase Sapphire card since I saw peace of mind benefits as per the attched doc from the chase web site. Unfortunately my trip got interrupted since I had covid and I had to reschedule the flight from XX/XX/XXXX to XX/XX/XXXX and XXXX  XXXX  and XXXX  charged me extra {$750.00} to reschedule the flight eventhough it is covid related and never received the peace of mind that Chase advertise as per the attached doc and it was misleading. Also this flight lasted over 30 hours and didnt give me a better connections either and I was very unhappy with the layover I had in XXXX  over 6 hours. 

When I tried to file an online dispute from the Chase web site I got the popup below and called Chase customer service and to my dismay they are not willing to help me. 

Important : Important information regarding COVID-19 for disputes If your dispute is related to travel, we recommend that you start with your travel provider because many airlines and hotels are being flexible about impacted areas. If they can't help, submit a dispute online and we'll work with you to try and find you a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: LD Holdings Group, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
While searching for a Mortgage Lender to re-finance my home at lower interest rate and for XXXX years vs XXXX years, this company offered the best deal. They initially offered a 3 % fixed mortgage w/ no closing costs and a credit of {$400.00}. I was requesting a subordination of an equity line of credit and was advised that we could not lock in on the rate until the subordination was approved. As the process went on w/ normal delays, the rate went up slightly. I had already paid {$400.00} for an appraisal fee. When we were getting ready to finalized the process my mortgage banker told me that they would not be able to offer the " no closing costs '' option and said in order to continue I would have to pay approximately {$4000.00} in closing costs. At this point I decided to discontinue the process and go elsewhere. I can understand the rates going up but the offer of no closing costs took me by surprise and upset me. I went back to my current lender and they offered me a lower rate and closing cost option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: EQUIFAX, 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 information incorrect

Complaint:
There is an account on my report that I have no knowledge of this account is in violation of fcra sec 609a1a and sec 611a1 and I've tried several times to repair this with no avail this is destroying my life its difficult to get a home a car and many other things as well due a delinquency on my ereport

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
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 information incorrect

Complaint:
There is an account on my report that I have no knowledge of this account is in violation of fcra sec 609a1a and sec 611a1 and I've tried several times to repair this with no avail this is destroying my life its difficult to get a home a car and many other things as well due a delinquency on my ereport

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 2019-05-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A company, XXXX XXXX, charged my card 3 times on XX/XX/2019 in the amount of {$190.00} each time. JP Morgan/Chase approved the charges. I received a call from XXXX XXXX telling me the charge did not go through on my account and asked for an additional credit card. Before providing another credit card information, I checked my account and found the 3 charges. I requested XXXX XXXX to reverse the charges and to cease charging my account. I informed them, in writing via email, that I revoke any authority of charging my card. 

I contacted JP Morgan/Chase at XXXX and spoke with a representative - XXXX. She refused to help me so I asked to speak with a supervisor. XXXX in XXXX, MO answered the line and refused to help. 

Chase 's solution is to allow the fraudulent charges to complete on my account and then I am to contact Chase to again dispute the charges and they will review the situation at that time. 

I informed XXXX that the charges are fraudulent and should be removed. He said that he can not do that. I explained that he was supporting fraud and NOT protecting his client. His response is that he understands but he can not do anything. 

In the interim, I must allow a company to charge my card, receive fraudulent funds, and then dispute the charge with Chase Bank. 

With this type of service, it is not surprising thieves thrive. 

I am very upset about Chase 's response to reported fraudulent activity - and their refusal to protect their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I got a certificate of {$500.00} from Chase bank to open a checking account. I sat with a representative for one hour and she tried to put my accounts online when she told me she had to abort the opening of the accounts. This same process has happened XXXX times with Chase bank. I submit docs for direct pay and 3 to 4 months later they close my accounts without a legitimate reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
XXXX XXXX balance {$3300.00} account was closed now open with late payment which damaged credit score account was disputed but it still be reported Portfolio Recovery balance {$300.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX ) have not communicated in 30 days refused to settle Portfolio Recovery balance {$640.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX  ) have not communicated in 30 days refused to settle XXXX XXXX XXXX balance {$980.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX ) have not communicated in 30 days refused to settle

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I applied for and was approved for XXXX credit cards with usaa on the same day, XXXX Visa and XXXX XXXX. Usaa opened a second Visa account without my approval the very next day. I did not apply for this card and usaa has no record of the application. When I brought it to their attention they seemed to push me into just keeping the account which seemed odd. After I made it clear I did n't want the card they pushed closing the card. I was explicitly clear that I did not want the account closed because it would hurt my credit report. I wanted them to get rid of the card without it hurting me. Fast forward and they flagged the account for fraud and close it without my consent. Their was no fraud, they know it was n't fraud, and I believe they either made a mistake in opening the account or they purposely opened a new account without my consent. Me, I 've been saying all along that this feels very XXXX XXXX. Now I 'm locked out online for at least 48 hours. At least. With usaa that is a big deal because there are no physical branches. I need a resolution to this because I 'm the XXXX hurting for there actions.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I requested for Transunion to remove/ validate a " paid tax lien '' reported by the XXXX Register of Deeds from my credit file. I sent a request to the register of deeds to remove, they in turned sent me a letter stating they have nothing to do with reporting to the credit bureau 's. I sent a copy of this letter to Transunion and year to date, Transunion has yet to remove/validate this discrepancy from/on my credit file. As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ). There were 2 tax liens reported, Transunion has removed one of them.

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 2016-12-26
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
CREDIT COLL XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CREDIT COLL or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CREDIT COLL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Resurgent Capital Services L.P.
State: PA
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:
XXXX XXXX balance {$3300.00} account was closed now open with late payment which damaged credit score account was disputed but it still be reported XXXX XXXX  balance {$300.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX ) have not communicated in 30 days refused to settle Portfolio Recovery balance {$640.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX ) have not communicated in 30 days refused to settle LVNV FUNDING LLC balance {$980.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX  ) have not communicated in 30 days refused to settle

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX  XXXX  has been paid in full as of XX/XX/2019. On my credit report, the account shows a balance for {$8000.00}. In a section of my credit report, the balance shows in the month of XXXX. The months of XXXX through XXXX is not showing on the credit report with a balance. Which means the account was paid in full in XXXX. If it wasn't paid, XXXX would show the balance next to each month. XXXX  is still reporting a balance in the balance column and updating this every month although they are not receiving a payment every month since they were already paid in full.

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 2019-12-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the equifax data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
When logging into my account, I found out it is restricted so that I can not use my credit card due to potential fraudulent activity. I was never called or emailed to be alerted to this possible fraudulent activity by my credit card company or to be told that my card was put in restricted status. Upon calling my credit card company, I was told I would have to provide my Social Security Card in addition to a bank statement or billing statement and my drivers license in order to remove the restriction. I do not feel comfortable sending this information via the internet even if it is through a so-called secure link or messaging system so I asked the company to close my account. I was told that my account could not be closed and that it will remain open in a restricted status until I provide my personal sensitive information including my social security card. The company would also not release the nature of the fraudulent activity on my account. I do not feel comfortable leaving this account open and do not feel comfortable providing copies of my social security card through the internet. I want this account CLOSED and am very frustrated that the company will not close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this debt, I am 100 % sure. The short, vague description they provide from the debt is enough for me to know it's not mine. They are causing damage to my credit report/score that I don't deserve. 
I don't have documents to provide obviously, since this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Alorica Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Loan was bought out by XXXX XXXX XXXX XXXX Never agreed to any of terms and adds a hidden late fee of XXXX dollars a day to loan. Still pulls it out of my checking account and saids Im late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My husband deposited his XXXX loan check to CHASE BANK on XXXX XXXX, 2015. It was supposed to clear on XXXX XXXX. 
On XXXX XXXX he used his CHASE debit card to pay lunch and it went through. On XXXX XXXX when he paid his lunch, he found out he had no money in the bank. He went to CHASE BANK and was told his account was frozen because of suspicious activity. The XXXX loan check had already cleared according to the company but CHASE bank have and the rest of our money XXXX pay checks and all XXXX frozen. 
CHASE gave him some phone numbers to call since the local CHASE BANK could not deal with the issue but the " persons '' he talked to on the phone could not solve the issue either. You know how long you have to be on line before you reach a person when calling CHASE. And he was passed along from XXXX person to another. 
On XXXX XXXX we received a letter from CHASE dated XXXX XXXX stating that the bank is in the process of closing his account ( authored by XXXX XXXX XXXX. The bank would not even return the money we have already in the account before the XXXX loan check. We were completely crippled since we have our pay checks direct deposited to CHASE BANK. 
Our mortgage is also with CHASE BANK and of course we will be charged late fee for not paying on time. How are we to survive? We also have other bills and basic living commodities that we need money for. 
Is this another tactic, bank mumbo-jumbo to disable the consumer?

Company response to consumer: Closed with explanation