BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-06
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
1. XX/XX/XXXX, letter from XXXX XXXX XXXX XXXX claiming account has been placed with XXXX for collection sent. 
2. Called Chase : told since I did not have the full account number that I need to call XXXX regarding the letter received. 
3. Called XXXX.Told the collection is regarding an XXXX Credit card. Told them I was unaware of any unpaid charges. Asked what was purchased. Told statements would be mailed to me. 
4. XX/XX/XXXX, 2nd letter from XXXX with payment options sent. 
5. XX/XX/XXXX called XXXX because I had not received copies of statements. Talked with XXXX XXXX ext. XXXX. Told I would receive them in 7-10 days. 
6. XX/XX/XXXX called XXXX because I had not received copies of statements. Talked with XXXX XXXX. Told media was received on XX/XX/XXXX by them and she did not know why I had not relieved them yet but I should soon. 
7. XX/XX/XXXX called XXXX because I had not received copies of statements Talked with XXXX XXXX. I told her I was disputing the charges. I was ransferred to Chase Bank document recovery and spoke to XXXX ( XXXX ). Told I should receive statements in 7-10 days. 
8. XX/XX/XXXX received copy of statements showing a charge for XXXX XXXX XXXX on XX/XX/XXXX for {$100.00} and several months of late charges. 
9. Looked for receipt on my XXXX XXXX account to confirm I did not make the charge. I have receipt number XXXX dated XX/XX/XXXX showing I paid my XXXX XXXX with my XXXX XXXX XXXX. 
10. XX/XX/XXXX called Chase bank to try and resolve issue with this charge I did not make. Talked to XXXX ( XXXX ) explained I paid my XXXX XXXX with an XXXX XXXX XXXX on the XX/XX/XXXX and I did not pay it a second time, the next day, on the XX/XX/XXXX with the Chase card. I was told my dispute was declined XX/XX/XXXX. I explained I was trying to settle this prior to filing a complaint with the Consumer Financial Protection Bureau. She suggested I talk to a Senior Service Specialist and transferred me to XXXX ( XXXX ). He offered to " accept {$70.00} to make this go away. '' I responded that I did not make this charge and I am filing a complaint with CFPB if we can not resolve it. He told me I have to write a letter to XXXX XXXX XXXX to further dispute the charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to register a formal complaint regarding the persistent presence of fraudulent items on my credit report. Despite my previous efforts to dispute these inaccuracies, they continue to harm my creditworthiness and financial well-being. This letter serves as an official request for the immediate removal of these fraudulent entries. 

The fraudulent items on my credit report that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I previously reported these fraudulent items to your agency on [ mention the date of your initial dispute ], providing supporting documentation and evidence to establish their fraudulent nature. However, despite my efforts, these items persist on my credit report, causing undue harm to my creditworthiness and financial reputation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is accurate, complete, and free from inaccuracies. The continued presence of these fraudulent items not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. 

I hereby request that your agency conducts a thorough and comprehensive investigation into these fraudulent items, reviewing the documentation I have previously provided and any additional evidence that may be pertinent. It is crucial that you take immediate action to correct these errors and ensure the removal of these fraudulent items from my credit report without further delay.

Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued dissemination of these inaccuracies.

I urge you to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the removal of the fraudulent items from my credit report. Please acknowledge the seriousness of this issue and its substantial impact on my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I signed up for a Macy 's credit card I purchased something the same exact day for {$75.00}. I 'm not sure of the timeframe but in the same year my credit card was stolen along with other items I filed a police report I also called to cancel my card and someone did n't thoroughly do their job correctly and it was not canceled now this debt is reported on my credit report for {$280.00} and I want it taken off and I am willing to pay the {$75.00} that I originally owe.

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 2023-09-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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:
The following inquiries have been exposed in several data breaches and I have not applied for nor benefit from the following credit inquiries. I have unauthorized inquires that are not tied to any open accounts which should be deleted immediately. If not you are violating 15 U.S. Code 5 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Reporting act XXXX Account # XXXX, have violated my rights. 

15 USC 1618 Section 608 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan at late for purpose.

I have remained very humble throughout last year & these last 4 months despite all the stress, abuse and harm that XXXX, EQUIFAX, & XXXX has caused me. I have had a enough of all the abuse and unfair practices from XXXX, EQUIFAX, & XXXX. pursuant of 15 usc 1681b ( 2 ) I didnt give XXXX XXXX EQUIFAX XXXX & XXXX any form of written instructions to accept, furnish or report any information on my behalf by the powers vested in me by the one TRUE living XXXX I hereby DEMAND that all negative accounts, Late payments, charge offs, that was not Authorized or Verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: NAVY FEDERAL CREDIT UNION
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This account, Ending in XXXX was on my account. I asked the credit bureaus to change the status from open to closed. They choose to delete it. When I told them what they did, they informed me Navy Federal must re-report the information. I called Navy Federal. Requested they re-report the information. They said they would not do so because I am an authorized user, not the primary holder. I do not need to see any statements regarding this account. The primary owner is XXXX XXXX, and I am an authorized, user. This account is old and under my former name XXXX XXXX. I called Navy a second time, in XX/XX/XXXX. They sent me the attached letter proving that I was on the account. They still refuse to re-report the information. This needs to be put back on my credit report. Navy Federal will not work with me, or give any information, making this impossible. This account was opened around XX/XX/XXXX, and I was removed in XX/XX/XXXX. There were no late payments in that entire time frame. Please feel free to ask Navy Federal about this account. They will tell you they can't find it but if you continue to argue they will " magically '' find it. There are plenty of notes about me calling in and requesting that they re-report it. The department I spoke to was credit card services. They sent emails to their credit specialist and were waiting for a return email. Feel free to ask to read the notes in both departments and read the emails. They are there even if Navy says they are not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XX/XX/XXXX Approved for a XXXX Plus loan from XXXX XXXX XXXX. Car payment XXXX dollars a month. The salesman used unfair sale practices to make a sale ( 1983 Act 83 ) The first 8 months after purchase, payments were compliant. During month 9, I began to experience financial hardship. Made several attempts to request lower payments. Company denied request on a several occasions. Company furnish data incorrectly on credit file which is against FCRA Guidelines.

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$88.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$9800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$680.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXXXXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2023-03-08
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: Their investigation did not fix an error on your report

Complaint:
I discovered that the same accounts on my credit report were 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 corrected : XXXX  XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2019-11-19
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have accumulated about XXXX dollars in student loan debt from attending XXXX XXXX XXXX from XXXX-XXXXish-I received an XXXX XXXX with credits that will not transfer and was led to believe during my counselor appointments that I would not owe near of what I ended up owing at the end. At one point I had a separate loan that was a personal loan that was not even presented properly and I was definitely misled about all of my finances for schooling. After finishing school, I attempted to pay on my student loans with Sally Mae and I was not ever able to make steady consistent payments because the amount they requested for me to pay monthly was well over my head. I continue to struggle with paying my loans through Navient and I yet to come to an agreement on a monthly payment amount. I find myself ignoring phone calls now as I feel no one is willing to help. I'm not understanding why the payment amount can not be set at a payment that is affordable? I would think some consistent money is better than none?! At least that's what I continue to tell my ex that owes a very large amount in back XXXX  XXXX. I went to school-I am willing to pay for my schooling-even though it has done nothing for me except put me in debt and ruin my credit. I am not willing to live on the street so I am able to pay back my student loans. I wish someone would help all of us in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
PayPal has repeatedly lied to me about the refund I should have received days ago. XX/XX/XXXX they said I would have my money by XX/XX/XXXX or in two days. Then they said I would have it by XX/XX/XXXX ( holiday ) = XX/XX/XXXX. I contacted PayPal numerous times asking where my money was. They gave me different answers each time. I don't think they know where my money is. I'm tired of them lying to me. 
Details : Transaction ID : XXXX Sale date : XXXX XXXX PDT XX/XX/XXXX The seller issued a refund for {$670.00} I was told I would have the refund in two days. 
XX/XX/XXXX PayPal over telephone assured me I would have my refund by XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Body Only ) Item # : XXXX Sale price : {$600.00} Quantity : 1 Seller : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX  Account, # XXXX has violated my rights under 15 U.S. Code 1681 section 602 which states I have the right to privacy, 15 U.S. Code 1681 section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. This collection account is also being reported with several different open/closed/activity dates, balances and last payments dates which is a violation of FCRA and Metro 2 Compliance. I have disputed this several times in attempt to correct the inaccurate information that is being report, however they has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.

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 2017-04-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification through my servicer, SPS on XX/XX/XXXX. During the course, of the next two months I worked steadily with the loss mitigation department to get a loan modification application approved. The department advised me of documents needs and I would upload the often the same day requested. Unfortunately, with the multiple requests for documents and the rotation of designated single point of contract individuals, very often the documents did not get processed in a timely manner. Ultimately, the account was assigned to a single point of contact that was never available or reachable to verify not only that the documents were received but that the documents were satisfactory for underwriting. I often had to speak with other individuals less familiar with my case. The process of getting documents over to the loss mitigation department was less than pleasant because the notes on my file were often not updated. Therefore, I was asked to send the same documents over again. Eventually, the loss mitigation department closed my file on XX/XX/XXXX to which I exercised my right to appeal. On XX/XX/XXXX, I sent the appeal with all of the documents that I understood were still missing, along with updated information that I anticipated the department may need to review my appeal. My appeal should have resulted in reopening my case ( as I was instructed it may ) when I spoke with the substitute representative ( absent of contact with my single point of contact ) Instead, the appeal was denied as well because the necessary review and time frame was too close to the schedule Sheriff Sale on XX/XX/XXXX. I should have been advised even though I was entitled to an appeal, it would not be reviewed. On XX/XX/XXXX, I spoke with the Ombudsman Department and they advised me they were unwilling to stop the Sheriff Sale. We discussed alternatives and it was suggested that I seek the aid of an advocacy group to possible stop the sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I ordered all 3credit reports for this year, I received 2 but did not get equifax wrote me that I had been sent my free report for this year, I called them twice and told them I had not received it. They are asking me to send them a bunch. Of stuff. I tried to get one last year same problem What do I do XXXX orXX/XX/2021

Company response to consumer: Closed with explanation