BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I submitted a dispute letter disputing that XXXX XXXX XXXX is a reporting a collection account which have surpassed the statue of limitations and thus should be removed, however on XX/XX/XXXX my credit report was updated to reflect that this account will remain on my credit report. 

According to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt, thus should be removed. 

I've attached documentation to demonstrate that the last payment received was prior to XXXX. The attached court documents state " On or about XX/XX/XXXX Defendant failed to make installment payment due and payable under the Exhibit " A '' Contract. '' Please refer to the highlighted/underlined sections on page 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: FMS Inc.
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I get a medical bills who was transferred to a collection agency without my knowledge and since then I get harassment calls for a collections agency night and day even on my cellphone and I am on the Do Not Call list. I get some treated of judgement and repossession of all my personal belongings. I am under stress every time the phone rings and tried not to answer number I do n't recognize but they trick me every time with different number so I soon I heard the name of the company I just hang up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX and XXXX  consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the Southern District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile.
Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns.
1. ) XXXX XXXX account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX XXXX account number XXXX ; 5. ) XXXX XXXX, account number XXXX ; 6. ) XXXX consumer number XXXX.
Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: DISCOVER BANK
State: NY
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: Investigation took more than 30 days

Complaint:
i filed a dispute in regards of the inaccurate items on my credit report it has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THE COLLECTION AGENCY AGREED TO DELETE THE COLLECTION ACCOUNTS THAT I PAID BUT THEY ARE STILL APPEARING ON MY FILE

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 2021-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing today in regards to my account with Capital One account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020 and XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020 and XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was informed by my Mother that she was contacted by the XXXX XXXX XXXX with a court order document # XXXX and that I am required to appear in court and a telephone number was left for me to return the call. I then called and was transferred to a XXXX XXXX XXXX who claims to be a Paralegal for XXXX XXXX XXXX. 

I was told that a creditor is seeking a lawsuit for the amount of {$1900.00} and that if I am willing to resolve this amount and if I am not that the suit will be forthgoing. They stated that they have attempted to send correspondence to my residence ( which I never received ) the address he stated was incorrect. 

I am not sure if this is legal under the Federal Fair Debt Collection Practices Act and I am hoping to get assistance in preventing additional calls and legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PROFESSIONAL DEBT at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$3800.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I deposited {$630.00} into an ATM XXXX. The machine malfunction and it spit out a receipt with a number to call. I called the number reported the incident. Chase put a provisional credit of {$630.00} on my account. I went to another ATM at he bank and was able to deposit funds with no issue. On XXXX XXXX Chase reversed the provisonal credit. So they withdrew {$630.00} from my account which put it in the negative. When I called the claims department they told me that the ATM technician did not find the money in the machine. I asked the representive to play the video tapes at the ATM, I put money in the machine, and I knew the exact amount because I deposit my money like this every month, also I went to another ATM and was able to deposit the rest of my funds. I went to the bank with {$1000.00} between XXXX ATM deposits, XXXX receipt shows my {$400.00} deposit and the other receipt has a customer service number to call. When asked to play video footage at the ATM the representive said the ATM video is only facial recognition. I want to know what chase bank did with my {$630.00}. Further more chase has had my account in the red and I have not had access to my funds for over 24 hours. I believe this is untimely way to fix the situation. Chase made the error yet I suffer and my funds are gone. I feel robbed and I feel like I ca n't call the police about. Chase needs to give a direct answer to where my money went. They stole {$630.00} from me twice now, and I want answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I completed a debt consolidation program that included paying off my account with XXXX Bank. Now, 2 years later, that same account shows up on my credit report as being currently late in payments with a past due amount of {$13000.00} as of XXXX XXXX, when in reality it was paid off in the spring of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: ECMC GROUP, INC.
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent my XXXX letter disputing inquiries back in XX/XX/2020 to XXXX and Transunion. I never received a response in the mail and I also called to verify XXXX  received the letters. They didn't verify it even after supplying tracking number. I resend the letter again and received a response back from XXXX and Transunion that the inquiries were verified. I then sent a letter requesting method of validation and never received a response. I even called to creditors myself to request record of my alleged inquiries and the creditors don't have record. So I know XXXX and Transunion are truly not investigating and stalling. Because I requested proof of investigation and didn't receive a response.

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 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX XXXX, XXXX, I made arrangements with the following companies : XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX # XXXX to settle my outstanding debt with XXXX in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX, Transunion and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that my TransUnion credit report was not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I filed a dispute with TransUnion Credit bureau and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX TransUnion has not removed any of the accounts from my credit report, they have not sent any documentation to support that they have ever fully investigated my complaint, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts between me, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX the debts are being illegally reported and are not mine once they accepted the terms of our agreement by cashing the checks. XXXX XXXX withdrew the money as an ACH from my personal bank account although I sent them a check via US Postal mail and they received a physical check. My credit bureau disputes are being ignored and my consumer rights have been violated.

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 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Since XXXX, I have been unable to file a dispute online through Transunion.com or any site. I have contacted Transunion weekly to have the issue resolved. I have attempted to mail disputes to Transunion and was notified through certified mail that my correspondence was delivered. However, Transunion never acknowledge my disgust request and I was never notified that my dispute would not be investigated. Transunion Refuses to investigate why I am unable to submit this piece online and keeps pushing for me to make my dispute over the phone Which I am unable to provide supporting documents.

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 2016-11-04
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Loan application for the refinance of an investment property. It is a really long story that started on XXXX/XXXX/16 the day I spoke to loan officer from Everbank in XXXX FL. She can talk up a storm. We scheduled a meeting and prior to that meeting I sent her all the documents and then some that she requested. What she and processor XXXX XXXX said was a simple loan has turned into a nightmare. It 's a $ XXXX refinance loan on a property that appraised higher and have owned for 10 years. I have had to send and disclose everything with the exception of the size of XXXX I wear. Not only that they lose everything. Even documents you hand them personally. Its been 83 days since we started this process and we have not closed yet. We were supposed to close XXXX/XXXX/16/ That did not happen then we were supposed to close today XXXX/XXXX/16 of course did not happen. No one notifies you of anything. I find out the information because I contact the title company. for the love of XXXX. This is the most unprofessional banking institution I have ever dealt with.The mortgage branch manager XXXX XXXX laughed today when I called him and talked to him. I CALLED HIM. He tell me they close XXXX loans a month but he does n't get involved. No wonder it is a mess. There entire operation is a mess. It 's disgraceful and misleading. I feel bad for those young couples that want to buy their first home. This bank makes it almost impossible. I am just trying to refinance a existing home. Another supervisor XXXX XXXX also in XXXX XXXX. It 's unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I handled whatever debt via modifications that included all loans years ago. Real Time Solutions is aware of this but claims they somehow acquired a debt I modified and worked long and hard resolving with my creditors. Back in XXXX I filed a complaint XXXX with the FTC against Real Time Solutions to stop harassing me over a debt collection they didnt even rightfully own and has been dealt with directly with my creditors. I would like a cease and desist order given to Real Times solutions as they think they can continue this after all this time when it wasnt valid in the first place. Also note they switch stories on which home they are collecting on my rental or primary residence so they know they have no legitimate claim and are making things up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: CA
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:
Upon reviewing my Equifax Credit Report I noticed a hard inquiry for XXXX XXXX XXXX XXXX XXXX which I did not authorize or was aware of. 

Inquiry Date : XX/XX/2020 Company XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: Vision Financial Corp.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a phone call. The woman on the other line asked to speak to XXXX XXXX, I confirmed that 's me. She immediately requested that I verify my mailing address. I then asked her who she was calling from. She stated " Vision Financial '' I asked why she was calling, and she hung up on me. Upon conducting further research, I found consumer reviews which led me to believe that Vision Financial is a collection agency well-known for failure to provide information about the debt, attempting to collect expired debts, and using strong-arm tactics to collect.

Company response to consumer: Closed
Consumer complaint received 2021-03-11
Company: EQUIFAX, INC.
State: OR
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 have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX, I respectfully requested to have these hard inquiries removed from XXXX  credit file. These Hard inquiries are inaccurate and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
The Hard inquiries are ( see Below ) The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The following account is not mine XXXX XXXX XXXXXX/XX/XXXX The following account is not mine XXXX XXXX XX/XX/XXXX The following account is not mine XXXX XXXX XXXX XX/XX/XXXX The following account is not mine XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Around XXXX XXXX, 2016, I went into a XXXX dealership to purchase a vehicle. In order to purchase the vehicle, I decided to go with the dealership for my financing. The dealership ran my information through several financial institutions and they informed me that XXXX XXXX provided the best overall rate for financing. Therefore, I decided to go with XXXX XXXX for financing in order to purchase my vehicle. On XXXX XXXX, 2016, I received a letter from JPMorgan Chase Bank , N.A . indicating that my application for vehicle financing with JPMorgan Chase Bank , N.A . was not approved because they do not offer financing to examiners/auditors that may review Chase. After talking XXXX XXXX, who is an examiner at the CFPB, she informed me that I should go forward with my complaint to the agency as Chase appears to be discriminating since I currently work for the U.S. Government at the U.S Securities and Exchange Commission ( " SEC '' ). For one, the SEC does not regulate banks. Additionally, I currently have XXXX bank accounts with Chase and an outstanding credit card balance with them, which I always pay on time. Finally, Chase could be discriminating against other U.S. Government workers such as myself. Therefore, I decided to file this complaint as I am not sure if I could have received a better rate financing through Chase and based on their discriminatory practice.

Company response to consumer: Closed with explanation