BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-22
Company: CITIBANK, N.A.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 recently sent a dispute through all 3 credit bureaus to have a closed account with your bank removed from my credit reports. You responded to XXXX and XXXX, and indicated information was accurate, but would not agree to remove it. I am writing to request the it be removed for the following reasons : 1. The account has a XXXX balance. 
2. I closed the account, and paid the balance in full on XX/XX/19. 
3. This has been on my report for 3 years in XXXX, which I feel is sufficient. 
4. I had one late payment the same month I closed and paid the account in full. 
5. I had made all previous payments on time, and made minimum payment each time. 
6. Indicates I had a high balance, which is somewhat misleading, due to the fact that a part of the was interest. 

Due to the reasons stated above I would appreciate it if you would remove this account from all 3 Credit Bureaus as soon as possible.

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 2016-05-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed the status of this creditors account '' XXXX XXXX Credit Card ' ( XXXX XXXX ) 'numerous times with equifax and finally received my credit report correct as of XX/XX/XXXX. I have XXXX active XXXX credit card in XX/XX/XXXX, the XXXX from XX/XX/XXXX was discharged. My credit report was showing correct as of XXXX/XXXX/XXXX, showing this account to be in a closed status, and not a revolving. Since XXXX/XXXX/XXXX this account now shows differently and has been placed as a revolving account but XXXX ' out as a line of credit which causing issues with my credit score as of XXXX/XXXX/XXXX & XXXX/XXXX/XXXX it was put back on my credit incorrectly. Equifax placed this creditor under open accounts which actively affecting my credit. This account was discharged in a CHXXXXBK as of XXXX/XXXX/XXXX but the account remains as a XXXX balance but in the incorrect spot on my credit report. I was advised on XXXX/XXXX/XXXX by a manager that this matter along with other creditors would be taken care of and it has not changed and caused my creditscore to tank XXXX points or more due to several inaccuracies. Please see previous report that was correct at the time on XX/XX/XXXX VS XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, as well as phone conversation between myself an equifax management, discharge order, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: JPMORGAN CHASE & CO.
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I submitted a Deed in Lieu to JPMorgan Chase Bank , N.A . in 2011. It was received and accepted by the lender but never processed. To this day, I am still receiving notices from XXXX XXXX XXXX XXXX about assessment fees. This issue was supposed to have been settled between Chase and the HOA last year. The DIL was supposed to have finally been settled early this year. None of these things were settled and my credit score, along with threats of suit, is suffering.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-22
Company: Block, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This person was selling shoes on XXXX via direct message. I sent him two payments separately of {$130.00} on XX/XX/XXXX for each pair of shoes and shipping. Both pair never arrived and after communicating with him for four days, I was blocked from the page ; after doing my of research I found out that the page of the fraud and my money was taken. I have proof of the transaction, messages from him, and I have actual audio of me being scammed. 

On XX/XX/XXXX I contacted CashApp because I paid him through them with proof of communication and everything between us, and they're telling me that they can not reverse the payment or do anything about this. I'm wondering why is it OK for me to use them as a bank, for me to store my money with them and a payment processor, but they don't protect me. 

They became very condescending and aggressive with telling me no and then I was out of my money which I completely don't think it's fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I reluctantly signed up with Chime to allow several of my tenants to be able to pay rent through Chime. When setting up the account ( solely for tenant rent transfers ) Chime then sent me a debit card. After allowing only one tenant to transfer via Chime to test out the Chime software I found I was unable to transfer the funds from Chime to my bank account because Chime said I have to activate a debt card in order to receive my funds. I feel as though I'm being extorted. I can't access my own funds UNLESS i add additional Chime services I don't want or need? I finally was able to reach someone from Chime and they had my log onto their website to address it. They could not so then they said I need to download the Chime app since it was the only way for me to get my funds. Then they said I need to activate a temporary virtual debit card in order for Chime to allow me to transfer the funds to another active account I use. In other words, I need to keep adding more Chime services in order to get my money Chime will still not allow me to simply transfer to another account I have already connected to Chime? 
This form of extortion, blackmail, or whatever you want to call it by withholding my funds until I accept all their extra services strikes me as an especially sleazy and dishonest way for Chime to expand their offerings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XX/XX/2017 I sent a letter to EQUIFAX in regards to an unverified account with XXXX being reported on my credit report. In the letter I stated for the unverified account to be removed as it is negatively affecting me. I did not receive a response and Equifax continues to report this account. On XX/XX/2017, I submitted a complaint to national credit systems for the same unverified account and they responded stating that they would send validation of this debt. It is now XX/XX/2017 and I have not received any documentation validating this debt. Again, I am requesting that this account be removed from my credit report as it is affecting me. I have attached proof of the response I received from XXXX as well as the letter I sent to Equifax requesting the unverified account to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am on a pre loan modification plan requiring me to make payments by the beginning of each month beginning XX/XX/XXXX. I made the payments beginning XX/XX/XXXX on time but the mortgage servicing company says I am a month late and they turned down my request for a loan modification. I sent them documentation of the payments cashed by them before the due dates. They have done nothing to correct the problem, reverse late fees, and restore my loan modification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: Mid-America Accounts Control 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 was a victim of identity theft and noticed a collection from MID-AMER ACCOUNTS CONTROL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MID-AMER ACCOUNTS CONTROL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
To whom it may concern I 'm taking the following steps to file and inconformity with Chase Bank. It all started with a breach of contract by a company XXXX XXXX. 
The rupture contract was because they did not honor a contract that I signed with them on XXXX XXXX, XXXX in which we both agree that they would retrieve the amount of {$270.00} every month starting XXXX XXXX this would continue for 120 months. 
Unfortunately this company breach the contract because they started to retrieve a amounts of {$280.00} Plus another amount of {$53.00}. I called the company directly to communicate my inconformity but they did nothing to remedy the situation. I also called to cancel the contract due to the breach of contract and they would not cancel it without incurring any penalties. So I contacted chase bank directly in regards to my Chase freedom which is the car that I used to pay the monthly installments. I asked Chase to stop any future payments and refund me and look into past payments. I sent them a copy of the contract which was breached. 

Chase sent me a letter of confirmation regarding the disputes. This letter had to date XXXX XXXX, XXXX which they promised over the phone to return such payments temporarily until they realize an investigation because of the breach of contract. Unfortunately chase only reimbursed me for {$53.00} on XXXX XXXX, XXXX I contacted them again about the XXXX credits for XXXX that they promised to reimburse me within 24 hours which did not happen. 

I check my account again and I realized that Chase once again had paid XXXX XXXX on XXXX XXXX, XXXX the amount of {$280.00} and on XXXX XXXX XXXX the amount of XXXXI called Chase once again to request a credit for the payment that had just cleared in XX/XX/XXXX and also for the past three payments which they had not resolved. 

Later on on XXXX XXXX, XXXX I received a letter that said I had not made a complaint regarding the full amount of {$280.00} and that I had only disputed to a partial amount of that money for {$9.00} once again I called them so they could correct the XXXX amounts for {$280.00} of which I have not received credit for. Two further my frustration I also noticed that they are still paying the company which breached the contract and still allowing them To charge {$53.00} every month. 

Another thing that I want to mention is that the dispute department does not have personnel that speak XXXX therefore communicating with them has been a hassle. It 's been even more of a hassle and frustration when I 'm trying to explain to them how to correct the mistake that they have made in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-16
Company: Platinum Holdings Group, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Premium Assets has called our # numerous times over the past few months. We usually are not home to get a call and most times they do not leave a message. Several times they left a message and it may be for an estranged relative. Two weeks ago i was home and answered the call and told the woman, who would not give her name, that they needed to stop calling our #. She said they would remove our #. Today at XXXX a woman called again. I told her again to quit calling our #. She asked why we never answer the calls. I told her it was none of her business and that the person they are calling can not be reached at this #. She became snippy and finally said she would remove our # from their list. I told her i requested that before ... she said again it would be removed. at XXXX she called again. and before she could continue harassing me I told her that I had just talked to her and since she did not take me seriously I was filing a complaint with the ftc. She disconnected the call. I am not happy being hounded for a debt that is not ours. Please review this claim and if possible please advise this company that if they continue to harass us I will be filing more complaints. On several messages they have left they have advised that we are going to be served with legal papers if we did not respond by XXXX that day. Well many of those days have gone by and no one has shown up at our door with papers. I am tired of them continuing to contact us. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: Amsher Collection Services, Inc.
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and saw that there was a collection account for approximately {$2400.00} from Amsher collections regarding a debt owed to XXXX. I paid XXXX off when I moved out of the continental US and could not have their service anymore. I have not received ANY phone calls, letters, or other communications from XXXX or Amsher regarding an outstanding debt. It is now reporting to my credit and needs to be removed. There is no outstanding debt and I was not given notice with a chance to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Park Hill Holdings
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:
We were denied a housing application after incorrect information was on my credit report due to identify theft. I called to see what were the steps to dispute, I was notified to do an id theft suppress and for them to dispute the information with the courts. It has been over three weeks, when I was told that the id theft suppress would take UNDER four business days. Again, it has been three weeks. The same information was disputed through real page, and their investing only took one week compared to saferent solutions.

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 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX and the IRS pass my SS Number on to people that shouldn't have had it iI have an extended fraud alert on my file with NO PHONE NUMBER. I CAN'T EVEN GET A CREDIT CARD NOW. Transunion is clueless in how to fix it and XXXX won't help me either.

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 2015-10-07
Company: JPMORGAN CHASE & CO.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
JP Morgan Chase allows for funds to be removed from your checking account to pay for payments up to XXXX this means that while you 're sleeping your bank account could over draft and it wo n't let you know until it 's too late to fix it. Chase has done this to my husband and I multiple times. 
It 's understandable to have overdraft fees, but to allow payments to be deducted from the account at night when people are sleeping or working and are unable to bring the account positive is just crooked. I check my bank account every night before I go to bed. Last night I had {$32.00} in it. At XXXX this morning I had $ XXXX. Because a check went through last night, at XXXX when I am physically unable tocorrect it because I 'm already asleep. Now Chase will not refund the money because I have had the maximum amount of refunds they allow. This is unfair business practice because I would n't have had so many fee reversals if they would stop charging me overdraft at XXXX eastern time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought a card from the XXXX XXXX on XX/XX/2022 at XXXX and I tried to create a account that way I can set everything up and it say they can't authorized for me to create a account. There is {$54.00} on the card. And I really need to use the card. They took {$7.00} off my card for no reason and I want my money back. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Credit Resolutions, LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Two medical debts from visits on XX/XX/XXXX and XX/XX/XXXX for a total of {$1200.00}. I submitted all documentation to insurance and they paid the claim from XX/XX/XXXX. The insurance carrier ( XXXX ) has said repeatedly that they have not received a claim for XX/XX/XXXX. I have contacted both the medical provider and their debt collected multiple times and each time they said they would resubmit the claim but have not and have not only continued to bill me but have reported the debt to credit reporting agencies which has negatively affected my credit making it difficult for me to get loans or credit cards. I have all necessary documentation and proof of attempts I have made to resolve this issue. I contacted the collections agencies in the following dates via phone : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX and have sent numerous emails to all parties involved. I was told by medical provider and collection agency that they could not contact my insurance provider we regarding this debt and that I would have to however I thought that this violated CTs balance billing laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is my 4th time writing Equifax to block these accounts on my credit report. I did not open these accounts, apply for them, obtain them, maintain them or make any payments whatsoever and they have failed to # 1 prove they belong to me # 2 provide any documentation whatsoever # 3 provide a document with my signature on it that proves that I ever agreed to pay it # 4 block this information and # 5 do any sort of investigation into the matter. 

I do n't care that these accounts are positive - they do NOT belong to me and someone obtained my information and opened these accounts! These must be blocked from my credit report! Congress states that the credit bureaus must go beyond the original source of information once I notify them that their investigation results are incorrect and the burden lies on THEM and NOT me! 

These accounts do NOT belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were NOT made by me : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX

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

Complaint:
Judgment satisfied Equifax only C R B not removing from derogatory remarks so why pay judgment if not going to remove bad marks against you should n't of paid I see lots of people same problem with EQUIFAX this should be stopped! Paid, should not stay on report for seven years! how are people having hard time but still repaying suppose to get back on there feet Defeats the whole purpose!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have not supported proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting a XXXX account ( beginning with XXXX ) with negative information for which I was only an authorized user. This account was my wife 's account and I had no payment responsibilities at all. I have disputed the account with Equifax XXXX and also directly with XXXX. XXXX have correctly removed this account from my credit report, but Equifax has failed to do so in spite of my attempts to correct the erroneous reporting. This negative reporting is affecting my ability to obtain necessary financing.

Company response to consumer: Closed with non-monetary relief