BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an unverified accounts from Portfolio Recovery. I have previously disputed this account. I have never done business with Portfolio Recovery Associates. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. Portfolio has reported collection on 3 credit reporting agencies. I sent registered letters to Portfolio Recovery requesting validation of debt for their accounts to the address listed, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received. Again they failed to provide the information I requested. Instead, they sent letters outlining erroneous statement of charges from the alleged account as debt validation. I have requested that Portfolio Recovery, verify the following information : 1.  Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Portfolio Recovery is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. This account is affecting negatively on all credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency, nor ( 2 ) provide me the account 's the date of last activity. I have not now, nor ever had any contractual obligation or arrangement with Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
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: Information belongs to someone else

Complaint:
contacted credit reporting agency about incorrect items on my report. 
informed them that i was victim of identity fraud and to remove the inaccurate data

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Bread Financial Holdings, Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving at least XXXX calls a day from an unknown number when I answered it it was commenity capital bank. My wife has been getting the same phone calls from them. They are using a robot dialer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I currently have the Target-REDcard under MasterCard. I had my account under autopay and I recently changed my bank account. I forgot to update the banking information as an honest human mistake. Target was unable to obtain a payment from the autopay and funds were returned. I incurred a Return Fee. As soon as I was notified of the issue I login into my account updated my information and submitted a payment. I called Target to let them know I had made a payment and wanted to get a refund for the fee incurred as well upset my autopay. The website was not allowing to process the autopay because its was listed as a delinquent account. I try to rectify the issue as most credit cards have no problem refunding a fee. This is the first fee I have incurred and my account has always been up to date. Why am I not able to get a refund on the fee?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, my book bag was stolen, and in that bag was my wallet and phone. Once i notice that my bag was stolen i had went to the police station and with out a phone i could not see if there was any activity occulting on my bank. When my phone was replaced is when i notice several charges in multiple bank accounts. | In these charges Chime was one of the bank accounts used to transfer money from one account to another, the account that was used was XXXX XXXX XXXX XXXX

Unfortunately i never have a lock on my phone and as well i keep all my passwords and pins in my notes in my phone, due to memory issues and constantly forgetting my information..

Once ii notice the transactions i i contacted chime and submitted the police report thinking that would be good enough information to cont. a dispute and have my funds return back to me. unfortunate ; l it was not a chime denied andc closed my case in min. with no explanation. 

SO i submitted a rebuttal and this time i contacted XXXX XXXX  which is ehre the money was transferred from my chime to this XXXX XXXX  account that has nothing to do with me and is noted is the account being investigated by the police, with that i also contacted cash app and they submitted an email stating the account in question is not mine and that my personals account has no transactions with chime. and that my debit card was used on a suspected account that does not belong to me. 

after filing the rebuttal my case was denied and closed again only hours after reporting it. 

This is not the first time this has happen with chime but every dispute i have filed has been closed and not investigated in any manner. Every time i ask for the reasoning no one can give me one. XXXX will attache the following documents i submitted with the dispute from not only the police but as well lXXXX XXXX stating the transaction was done unauthorized and illegally as well i will attach the following emails with Chime showing the contradictions and unprofessionalism i had to face during this processes. with all the disputes i have filled chime owes me more then XXXX dollars btu refuse to reimburse me for any of my stolen or unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: IL
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: WA
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 : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items 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 are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Shoreline WA XXXX ; XXXX XXXX XXXX XXXX New York NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX business days after the date of receipt.

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 2023-05-30
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:
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.

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 2022-10-01
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wed XX/XX/XXXX - I called and emailed Fair Collections & Outsourcing , Inc. ( FCO ) requesting debt validation and breakdown of all charges for account XXXX. 
Thu XX/XX/XXXX - I received my request, and replied in an email that the information was incorrect because I moved off of the property on XXXX XX/XX/XXXX, and any charges after that date need to be corrected. FCO responded that they would speak to me over the phone. I replied that I would like to continue the conversation via email, keeping a written account of everything. They again responded that they would only speak to me over the phone, and refused to answer my questions in via email.

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 2023-08-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XX/XX/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

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 2023-05-08
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
My name is XXXX XXXX and I am writing to file a complaint against JPMCB CARD for inaccurate reporting on my credit report. On my credit report from all three credit bureaus, there is an account with JPMCB CARD listed as a charge-off. The account number is XXXX, and the balance is listed as {$2700.00}. 
The charge-off was reported in XX/XX/2022 by all three credit bureaus, and it is negatively impacting my credit score. However, this charge-off is inaccurate because I did not have any unpaid balance on the account. Furthermore, the account was closed due to inactivity, not because of any unpaid balance. The account was also never past due. 
I have attempted to resolve this matter directly with JPMCB CARD, but they have been unresponsive to my requests for them to correct the inaccurate reporting. I believe that JPMCB CARD has violated the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) by reporting inaccurate information to the credit bureaus. I also believe that they have violated the Metro 2 credit reporting guidelines by reporting an inaccurate charge-off.

I request that JPMCB CARD immediately remove the inaccurate charge-off from my credit report and take corrective action to prevent this type of inaccurate reporting from happening in the future. I also request that JPMCB CARD provide me with a written explanation of how this error occurred and what steps they have taken to prevent it from happening again. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX/XXXX/22 i filed initial cfpb complaint & in writing to credit bureau/ it's got immediately closed, then i filed 2nd dispute with cfpb on the XXXX/XXXX/22 due to their response to my dispute didn't match my issues in my dispute/complaint. 

Per 15 U.S. Code 1681i - 2 ( a ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Per 15 U.S. Code 1681i - 5 ( a ) ( i ) ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and Per the 15 USC Codes above : Credit Bureaus were supposed to send me a letter to my address WITHIN 5 DAYS indicating they receive my dispute and it's been investigated. And this wasn't done, so accounts SHALL be deleted.

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 2023-08-23
Company: Experian Information Solutions Inc.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-16
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:
*THIS IS NOT MY ACCOUNT *I DID NOT AUTHORIZE ANYONE TO USE MY NAME TO OPEN THIS ACCOUNT I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all 3 credit bureaus and the company itself. I spoke to XXXX  and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help

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 2023-01-05
Company: Experian Information Solutions Inc.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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

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 2023-01-16
Company: DISCOVER BANK
State: KY
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 had gotten behind on my payments and they offered me XXXX options for repaying. The first option was I close the card and have a XXXX % interest rate adn set up payments I could afford to repay. 
The second option was to have a reduced interest rate for 18 months, I picked a payment I could afford and they would suspend my card but leave open, after 6 months of consistent, on time payments they would remove the suspension. 
I chose option XXXX as I wanted to keep the card. After making about 13 months of payments on time I learned that they had closed my card prior to me choosing the plan and it therefore should not have been an option. By offering it to me the company committed Fraud in that it took money from me that I would not have owed if they would have only offered me the first option. 
After making the 18 months of payments I stopped paying the company because of their unfair practices. They have now filed a lawsuit against me for the balance.

Company response to consumer: Closed with explanation