BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-18
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I applied for a credit repair credit card after reading an ad on XXXX in an attempt to improve my credit score. XXXX XXXX Bank sent a card 2 years ago and after reading the contract I did not agree with the terms cut the card in half and sent it back. XXXX said I owe them XXXX in fees and sent their bill to the XXXX credit reporting companies in an attempt to collect a debt not owed and additionally sent it to collections with Midland Collections which in fact it is the same company owned by XXXX XXXX Bank. Now XXXX intities are reporting to the XXXX credit bureaus. I did not use the card and returned it therefore feel this should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I wanted to cancel a gym membership at XXXX in XXXX FL, due to a major car accident injury that I suffered. I had to cancel after the seventh month of the the XXXX year contract. To cancel they wanted to charge me {$500.00} plus. I refused to pay that amount and now they are harassing me by giving my number to debt collectors that call constantly to threaten me of ruining my credit and filing suits. I think this is fraud and a very low move by this chain of gymnasiums. I hope someone drops the law on them because they need to be stopped.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Credit determination

Complaint:
I recently applied for a CHASE SLATE card and received a letter stating that they needed government ID to verify my address. I provided a copy of my driver 's license and Pa Voter 's ID card to verify it along with a copy of my Social Security card to verify my identity. When I called back today, I was told these were n't sufficient under the " Patriot Act. '' There is a Post Office connected to my building and I explained that XXXX credit reporting has put an incorrect warning in my file that my address is a mail drop location. I advised CHASE of this but they did n't seem to want to review things further. I 'm very legit, I work in Law Enforcement and offered to provide copies of additional credentials but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I KEEP RECEIVING MANY CALLS ABOUT CREDIT CARD ISSUES OF WHICH ARE JUSTVERY ANNOYING!!!!!!!!!! THEY HAPPEN DAILY AND MANY TIMES MORE THAN ONCE A DAY!!!!!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-07
Company: BANK OF NEW YORK MELLON CORPORATION, THE
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Bank of New York, Good day! 

I want to know if I have unclaimed funds there in Bank of New York since I am the beneficiary of the trust funds of my fiancee. His name is XXXX XXXX XXXX XXXX XXXX And I want also to know if my trust documents are there. Because before he went to XXXX  he sent me a bank key of a safety deposit box. I did not claim it because the sd card that he sent me. I put it on my phone and there's someone steal my phone that time. And the trustee also don't contact me anymore. But aside from the trustee theres have a copy of the trust there in the bank and I want to know if it's there in Bank of New York. If there's have unathourised transactions under my name its not me. It's a scammer, stop it because even XXXX cent of it I dont receive anything since 2014. And I want justice. I want also to know the correct contact number of Bank of New York because everytime I search bank of New York in XXXX it keeps changing the mobile number. If there's someone will withdraw looks like him that's an impostor don't allow that person to withdraw from it. Because that's a scammer. I want also to know why Bank of New York becomes BNY Melon Corporation. Bank of New York is Incorporated not Corporation. I sent you thr evidence here. I'm from XXXX. Was hoping to hear back from you soon. Thanks.. 

Sincerely yours, XXXX XXXX XXXX XXXX # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$370.00} ; XXXX  XXXX XXXX Balance : {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: FL
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: VA
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 unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They never proved this was my account. They suppose to remove it am paying XXXX a month because keep calling and writing so am forced to pay a debt not knowing if is minds

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Checks got to deposit to my checking account at Bank of America and these checks were considered bad checks I was not aware of these transactions and the checks was made out to someone other then me and not sure how the bank was able to allow them to be deposit and not sure if there was a signature which would not be matched to mine. They put a flag on my social sercurity # which now i 'm not able to open a bank account at any bank. I would like to get this removed they will not remove it said that I was responsible for the account. No money was taken and there was no lost to the bank. It is to late to report this to police since it happen in 2013 and I just found out about it.

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 2016-04-18
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian reports my Revolving Credit Limit as {$110000.00}. 
Adding up the open credit cards ( XXXX ) they list in the same report, comes to {$44000.00}. 
They are unresponsive, uncooperative and abusive. 
I 'd like to get this apparent error either corrected or the provenance of the number explained but Experian is rude, unprofessional, and exasperating. 
PS, do n't fall for the 'it must be the real estate loans ' because they are reported accurately and no mathematically correct way exists to get the numbers reported to match up. 
PPS, the 'upload ' dispute system does n't work and, after going through all the hassle, you get a message that tells you to send in your complaint by snail mail. Even that would be OK if it worked. 
I anticipate that Experian will deny all, that, in my opinion, appears to be their MO. 
Please publish this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Federal Adjustment Bureau, 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: Account status incorrect

Complaint:
Most of thing on my credit should not be there because they paid off and suppose to be remove as agree .Balance inaccurate and Acount close to hold on my credit over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I got approved for this car loan on XX/XX/XXXX I purchased my car the same day from XXXX XXXX, I returned the car to the creditor CreditAcceptance a few months later due to expensive mechanical issues. The car was sold on XX/XX/XXXX for XXXX but this creditor never contacted me to inform me about how much would it be the difference to pay for me to close this account and get it off of my credit. I found out they sold the car 7-8 months later after hundreds of call I basically spoke with the whole creditor company. i also requested the creditor to adjust that money they got for the car sale to my account but they instead offer me a suspicious 80 % percent discount of this bill and keep reporting late payments on my credit report when I actually owe them nothing I was also told they had a few action market fees but I still dont get why my bill is XXXX when the money they got for the car covered the money I owed to the creditor I have requested and I keep requesting a sale receipt for me to dispute this but the company refuses to send me this receipt all they keep saying is that they send it to my address but I dont be getting any mail from credit acceptance I needed it to prove the credit bureaus my statements. I disputed it to the credit bureau but my results wasnt positive due to the Creditor says my bill is accurate but this creditor hasnt sent me my car sale receipt yet.

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 2015-10-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I have XXXX mortgages. XXXX, XXXX XXXX and Chase. I was refinancing with XXXX and incorporating XXXX into the loan. It was approved and we were waiting for Chase to sign a subordination which they do not want to do. If they do't i will surely not be able to afford paying them. Chase was a equity line with a 10 yr draw interest only and 10 year repayment period which we just entered. If they dont approve the subordination, I will not be able to make their payment. The money I am saving from the refi with XXXX and XXXX was going to Chase. The payment with chase went from {$300.00} to over {$900.00}. I had claimed bankruptcy in 2010 but have been up to date with them. If they do n't approve subordination i will not be able to refinance and I certainly wont be able to continue making new payments to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. This creditor has continued to violate my rights and time and again I requested ( XXXX XXXX XXXX ) off from my credit report, and you continue to violate my rights and allowing this fraudulent creditor on my report. 
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Fraudulent collection Accounts : XXXX XXXX XXXX  Account Number : XXXX Account Opened : XX/XX/2020 Balance : {$420.00}

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 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello, I received a letter from XXXX XXXX  stating they deleted the bankruptcy that was showing on my credit report off because they couldnt verify the account so it was deleted! I called & spoke with a CSR to let them know what was going on but I was getting attitude & saying what they couldnt r not gone do! Its very unprofessional & rude to customers who is trying to resolve a problem!

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 2022-11-07
Company: BARCLAYS BANK DELAWARE
State: CA
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:
Barclaycardus.com gave me a XXXX card with 18 months no payments, I had the card for a couple months with no useage, usage, then I put emergebcy vehicle repairs on the card for XXXX XXXX and made a payment of {$500.00} when my payment due was {$0.00}. The credit company within 1 week decreased my limit from {$10000.00} to {$6400.00}. Which ruined my credit utilization and then my other credit cards did the same thing even when I had only 20 % utilization on other credit cards... 
Then every payment I made to Barclaycardus.com, they decreased my total available credit limit to match how much I paid down. I had a balance of {$4100.00} then I got a call from Barclaycardus.com... they said they were going to close my account because I was at 100 % utilization. So they closed my account and I have made payment while the account is listed as a charge-off.. They still charge me interest like the account is open and late fees constantly with no paper or digital monthly statements. 


They won't settle the account and won't reactivate my account.. 
I have now paid {$18000.00} and lost XXXX XXXX XXXX points because of a {$6500.00} car repair and for believing that Barclaycardus.com was a reputable company.

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 2022-11-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hello. I'd like to file a complaint regarding my recent international wire transaction of {$50000.00} through Chase for XXXX. 
Now I have to pay a late fee of {$2500.00} because of the Chase mistake. 

I initiated this transaction on XXXX, XXXX 2022. 
After a week, when a recipient told me he still hadn't received the money I contacted Chase over the phone for the first time. A bank representative sent me to the " secure messages '' system and told me to send a request to your internal team. They replied that the money was successfully sent. 
During the next 2 weeks, I contacted Chase several times and representatives were convincing me that the transaction was sent until they finally admitted that the transaction was still reviewed by the Compliance Department. They requested some additional information about a recipient which I provided. On XXXX, XXXX they sent me a message that the money was finally sent. 

In XXXX, since the money still wasn't received I contacted Chase again about 4 times asking them to track the transaction or provide me with a tracking number or a XXXX document. Nobody provided me with this information, I was sent to several different departments over the phone and every time waited for 30-40 minutes on the line after they just hung up on me. 

On XXXX I came to a Chase branch because I was told that they could provide me with a XXXX  document to track the money. 
I spent there 3 hours and after that, I was finally told that the transaction still wasn't sent because their internal department forgot to send over the additional information I provided to an intermediate bank. 

My business partner only received the transfer on XXXX, XXXX because of the Chase mistake. And now I have to pay a late payment fee of {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Incomm Holdings Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a My Vanilla prepaid debit card in the mail that I did not order. It was in my name and to my address but I did not order it. I have already reported this to My Vanilla. They have cancelled the card and started a case, # XXXX.

Company response to consumer: Closed with explanation