BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-01-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I sent what I thought to be a reputable cat breeder {$1200.00} over XXXX through my Chase app. However, it has come to my attention that the XXXX account that I sent funds to was associated with a scammer and I would never be receiving my kitten. I immediately called Chase bank and filed a claim and intended to get the information I needed to pursue this person with legal action as their name and email address was available to me. However, they sent me to XXXX to get this information. XXXX then once again told me that they are not able to, however Chase bank will be able to help me. I called once again and was told that there is nothing they can do.

Chase knows what bank account ( and person ) is connected to this scammer 's XXXX account and refuses to help. The only way I can get any recourse whatsoever is with Chases help is by getting information but instead they pick the side of the scammer. I am not sure what else I can do here. Consumers deserve better protection from scammers that take advantage of Chase 's backwards and unfair policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-02-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed said accounts several times and your company ( Equifax or XXXX ) failed to dispute and/or did not notify me for permission to even post ANYthing on my credit report about this alleged debt. Therefore, Equifax, I inform you that the subject account being reported by your company has received a cease and desist letter ( formal ) and therefore ANY communication regarding this account is in direct violation of Fair Debt Collection Practices Act ( FDCPA ). 

This complain has also been submitted through CFBP ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS LISTED WERE NOT AUTHORIZED BY ME. THEY WERE INACCURATELY PLACED ON MY CREDIT AND I WOULDS LIKE THOSE TO BE REMOVED OFF MY CREDIT FILE. BECAUSE OF THOSE INACCURATE ACCOUNTS IT HAS BEEN REALLY HARD TO ACQUIRE NEW CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THEM OFF MY REPORT.

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 2021-07-20
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXX. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX Date opened XX/XX/2022 Balance : {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX 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 XXXXXX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: ENCORE CAPITAL GROUP INC.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX equipment was taken back to a proper location after service had ended. The convertor box was taken in by a XXXX representative and a receipt was issued. However box was serial number was not entered into system as returned. Two years later XXXX posted a collection charge of {$430.00} on my credit bureau and is been trying to collect. I have contested numerous times with all 3 agencies, and the 3 agencies took the side of the vendor stating debt is legit without actually investigating it properly. Please help me remove this debt collection on my bureaus which is shown under Midland Credit Debt Collection company. Regardless this is a very old debt now, way over 4 years. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On Thursday, XX/XX/2019, the federal reserve had a processing delay with direct deposits. It was a known issue and posted on Navy Federal website. As a result of the delay, I incurred 3 overdraft fees. I asked Navy to reverse the fees as these werent my fault and had the deposit posted timely there would not have been any fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
This complaint is continuation of previously filed complaint # XXXX last month on XX/XX/XXXX. Since JP Morgan just responded today by saying there was no loan under my name and have played phone tag with me since last 30 days, the complaint process is now closed, so I have decided to reopen this as a new complaint with additional loan information. 
See below. 

Loan number : XXXX Loan Origination date : XX/XX/XXXX Foreclosed : XX/XX/XXXX Name : XXXX XXXX Phone number : ( XXXX ) XXXX Property address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX First Modification request submitted : XX/XX/XXXX with all required documents. 
Second Modification request submitted : XX/XX/XXXX with all required documents Employment declined by chase after recruiting : in XXXX. XX/XX/XXXX, XXXX. XX/XX/XXXX XXXX. & in XX/XX/XXXX. 


I took a mortgage back in XX/XX/XXXX with Washington Mutual, which was sold to Chase Bank sometime in XXXX due to the financial crises of mortgage industry. I tried numerous times to get a loan modification and Washington Mutual and Chase both refused to modify my home loan and ultimately foreclosed my home in XXXX. I had no other choice but to file for XXXX  XXXX in XX/XX/XXXX to get a fresh start after my foreclosure with Chase. Ever since XXXX, I have applied three times ( in XXXX, XXXX and XXXX ) to work at Chase and after the offer letter was extended to me, I cleared the background check only to find out on all three occasion that chase would not hire me due to some red flag in their system with my social security number and previous mortgage that went into foreclosure. They rejected my employment offer on all three occasions. Chase refuses to disclose the reason why XXXX cant be hired at Chase even after re-establishing my credit. 
I have also applied for XXXX or XXXX card with chase or any other chase store card numerous times and every single time they have denied me credit. ( Most recent was XXXX ). Even though I have re-established my credit since my bankruptcy in XXXX and have received numerous other major Bank XXXX, Master Cards, Car Loans and departmental store credit cards and maintain a great credit history. They still refuse to extend me any type of credit including employment. I have asked them several times to provide reason for credit and Employment denial, they refuse to provide me with any explanation other than a normal credit denial letter based on XXXX, XXXX and XXXX related credit factors. I know for sure that this has nothing to do with my credit rating or credit score or my background check. Its pure credit and employment based discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: CO
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:
This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 non-monetary relief
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-25
Company: Experian Information Solutions Inc.
State: AL
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:
Hi, I've disputed 3 accounts that shouldn't be on my credit report multiple times with Experian and the collection agencies listed below.

I've sent letters to both Experian and the collection agencies, expressing my concerns of the inaccurate negative events that has been listed on my credit report.

I'm trying to by a house for my family, i'm only XXXX yrs old, and these inaccuracies are hindering me from building a foundation for my family. XXXX  has removed these unjustified accounts due to the collection agencies not be able to verify the accounts, so how is it that Experian say they are accurate?

I specifically asked Experian and the collection agencies both, to provide me with any and all documents that were used to verify these inaccurate accounts they've listed on my credit report. The collection agencies hasn't responded, I haven't even received any kind of communications from the collection agencies, only a negative on my report, and neither has Experian.

Experian hasn't provided me with a response to when and how did they verify these accounts. I feel as if Experian, isn't a neutral party to disputes for consumers, they seem to take the word of collection agencies without actually investigating disputes.

I would like for Experian to show proof of how they came to the conclusion that the negative events they've listed on my report is accurate, but if they can not, I am requesting the negative events listed below to be removed immediately! Because a name and a balance isn't proof that a individual owes a debt.

I think Experian makes bad faith decisions and are not properly investigating disputes. The certified letter that I sent Experian on XX/XX/XXXX that they received on XX/XX/XXXXclearly states, that I am requesting proof of the negative event and proof of how they verified the negative event as accurate, which I haven't received, even though the disputes are completed, yet remain on my report.

Please have Experian remove these 3 negative events, they are really hurting my life regardless of how hard I work.

Im trying my best to refrain from legal action against Experian, but it seems inevitable, because I all honesty, inquiries and denial letters randomly starting showing while they were being hacked in XX/XX/XXXX, so this is more than likely their fault. Regardless, please have them to remove these negative events that they are wrongfully listing on my credit report. 


( NEGATIVE EVENTS - COLLECTIONS ) XXXX XXXX Account number XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Please remove these negative events immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX XX/XX/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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I've sent multiple letters to XXXX  XXXX XXXX and all 3 credit bureaus about this alleged debt and advised them to cease and desist. I keep getting abused with multiple phone calls everyday from XXXX  XXXX XXXX. I made an uniformed decision when I entered into this credit transaction. The contract wasn't clear and conspicuous, which caused me to get abused and harassed as a consumer by 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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$320.00} ; XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$680.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$18000.00} Opened XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$61.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$250.00} ; XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$700.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$370.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$1200.00} ; XXXX XXXX  Opened XXXX XXXX, XXXX XXXX {$18000.00}

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