BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Originally purchased flight tickets on my credit card in XXXX, 2022. Due to unforeseen circumstances ( XXXX XXXX  ), two of the individuals flying are not able to make it. ( XXXX got XXXX, the other is his primary caregiver ). I submitted a claim to the Chase Sapphire Reserve card insurance, as this was covered under their terms and conditions. I then called Chase customer service, and the representative told me I didnt need to submit the claim, that I could cancel it, and that the airline would be refunding me a partial amount ( around {$2200.00} ) due to multiple schedule changes with the flight. The chase representative then told me the funds would be sent back to my Chase Sapphire Reserve card, wishing 5-7 business days. 3 weeks passed, and I called to inquire on the status and they had no idea what I was talking about. I escalated the call, and the supervisor told me they would call me back after 24 hours so they could investigate. They never called. I have been calling multiple times, escalating the calls, and nobody is able to help me with this. I cancelled the claim as advised by Chase customer service, but now it has been over a month since they told me the partial refund would be posted, and nothing is even pending. All recordings of phone call interactions I have had can be pulled to confirm this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I called Experian to ask them to remove/correct the inaccuracies of my personal information on there site. I gave them my name, current address, current employer, and current phone number.

About 2hours later I got an email indicating the dispute was finished. Reviewing the report ; I noticed they had not deleted a po box which is not my current address and did not remove the multiple names they have listed.

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 2022-10-30
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid my full balance in XXXX and closed my account. It is still showing as {$8.00} over limit and open on all credit reports. They have not reported any information since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
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: 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 and I am filing this complaint for false reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account is showing " limited '' and will not let me close my account. A company called XXXX XXXX and XXXX XXXX set up an automatic payment when I purchased some books from them. They took {$100.00} at a later date when not authorized. That company refunded me ( through PayPal ) immediately after I contacted them but I had also notified my bank and PayPal who opened an incident. 

My bank refunded my account after working with PayPal to resolve the issue so I was refunded twice. PayPal limited my account and wanted one of the refunds back. I have followed all the steps to resolve the limitation on my PayPal account. I transferred the refund back into my PP account and I have tried to confirm my bank multiple times within the PayPal website. I am having issues getting this resolved and there is never a person available to speak to. It is only the PayPal Assistant that sends me back to the same places on the website. I have called ( never spoke to a person ), and sent multiple messages to PayPal requesting help. I tried to close my account and it will not let me with that limitation on there. 

Basically, I have done the checklist that PayPal shows I need to do to resolve my account. Issues : The Resolution Center checklist does not show that I paid the money back to PayPal and the PayPal website does not give me the option of confirming my bank account. I can not get help from a person at PayPal and have received no responses to the multiple messages that I have sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24
Company: Lending Club Corp
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the company on XX/XX/2018 via certified mail and requested my signature as proof of contractual obligation to pay debt. Company sent me back on online printout/statement. 
On XX/XX/2018 I again sent them a request via certified mail stating : I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. The company again told me the debt was verified with no proof of signature or any response as to who verified the debt. Nothing as of yet from company and they are still reporting the debt negatively on all credit reports. stating I owe {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TD BANK US HOLDING COMPANY
State: OK
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 was a victim of fraud someone opened a XXXX dollar credit card in my name I called TD credit and the card has been shut off but I dont know who opened the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRUIST FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX I discovered rampant multiple fraudulent transactions performed on my Truist Bank checking account. I called the bank to report this and file a fraud claim dispute. I was told an investigation would be performed on the fraud claim. Two days later I call follow up to find out the claim was denied because the bank said I authorized the transactions. I vehemently deny the fraud charges were completed in a Georgia when I live in Nevada. I started with Suntrust Bank over 10 years ago when the bank was merged into the newly formed Truist Bank. I explained I never used my card in Georgia, I didnt give any unauthorized information to anyone to access my card, and I misplaced my card. The bank says someone used an XXXX to access my account in Georgia and therefore so they are denying my claim. The fraud claim includes thousands of dollars in fictional fraudulent checks into a Truist Bank Atm machine, debit card purchases all in Georgia while I was in Nevada the entire time. 

I am requesting the Bank do a proper investigation perhaps look at camera footage at atm machines where fake checks were deposited, talk to merchants where the card was used to see who is performing fraud on my account. I will not accept the bank not performing a thorough and proper investigation. The bank refuses to send me copies of the fictional checks that were deposited, they say I have to go to a local branch even though the closest branch is over 1,000 miles away from me. Ive had multiple phone conversations with three representatives from fraud management and fraud communications with no resolution to my fraud claim. I spoke with XXXX today, I was told I would be contacted my fraud analyst XXXX who has not contacted me, and nobody will assist me. 

I reported multiple times that my card was lost or stolen, and I do not know who is using my card information and the bank continues to tell me that I authorized the charges. I am Requesting the CFPB to assist me in getting Truist Bank to perform a fraud investigation completed, to dispute the fraudulent charges, and not hold me liable for fraudulent activity on my debit card and checking account for charges I DID NOT authorize. I have never been to the State of Georgia, never used my card in Georgia, and I did not authorize anyone access to my account or card information. 

Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX NV XXXX DOB - XX/XX/1982 Truist Bank Checking Account Number - XXXX Phone - 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 2023-02-10
Company: Global Lending Services LLC
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 reached to Global Lending Services about an Auto Loan that is reporting to the CRAs and asked them to provide validation that this debt is mine. Global Lending Services responded back with a copy of a car contract, a copy of the payment history, and according to federal law that does not fulfill a validation of debt. In order for Global Lending Services to provide a copy of the car contract, the contract has to not only be my signature but their signature as well. Which they don't have it. My debt validation is me telling Global Lending Services to provide all documentation they have on file, to provide how they investigated, and proof of that investigation. Global Lending Services are still reporting to the CRAs and I have sent in several CEASE and DESIST letters for the to stop all communication while they provide me Validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a federal student loan through Ed financial that is currently on pause due to Covid 19 relief efforts and it is showing on my credit report as late payment when I have not even had a payment due yet. I even have an email from Ed Financial stating it is still on pause due to Covid 19 relief and that payment is not yet due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
LexisNexis is reporting a XXXX account on my report that has been paid and is reporting it as not paid. They are also reporting two tax liens that have been paid and they are reporting it as not paid. This needs to be removed asap. I have included the documents that show it has been paid. The court also does not provide this information to them. 

Amount : {$5600.00} File Date : XX/XX/XXXX Judgment Type : SMALL CLAIMS JUDGMENT XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, GA Filing # : XXXX Date Last Seen : XX/XX/XXXX Filing Book : N/A Release/Satisfied N/A Date : File Date : XXXX Type : Amount {$14000.00} XX/XX/XXXX FEDERAL TAX XXXX XXXX XXXX SUPERIOR COURT XXXX XXXX XXXX XXXX XXXX GA Filing # : XXXX Date XXXX Seen : XX/XX/XXXX Filing Book : XXXX Release/Satisfied Date : N/A Filing Page : XXXX File Date : XXXX Type : Amount {$330000.00} XX/XX/XXXX FEDERAL TAX XXXX XXXX XXXX SUPERIOR COURT XXXX XXXX : XXXX, GA XXXX XXXX XXXX XXXX Date Last Seen XXXX XX/XX/XXXX XXXX Book : XXXX Release/Satisfied Date : N/A Filing Page : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I had a credit card with XXXX XXXX XXXX for many years. It was on automatic debit so that each month the amount of the entire bill was authorized to be deducted from my checking account. According to a recently received credit report for me XXXX XXXX XXXX  reported that I was thirty ( 30 ) days late with a payment due in XXXX of 2018. If the payment was late it was not due to my error as there was an automatic debit agreement in effect during this time.

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 2023-05-22
Company: TMX Finance LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/ I received a loan with Title Max in Missouri. I just realized the interest rate is at 176 % and that was not pointed out to me when I took the loan. Now Im struggling to pay the monthly loan amount of {$500.00} a month. I contacted the company and they didnt offer any assistance. Title Max told me if you dont pay, we will repossess your car the very next day after due date. I need help!. Ive paid them a total of {$4100.00} since I got the loan. The loan was for {$3200.00}, so Ive paid way over what I loaned and they dont want to offer any help. I would like my title back due to extremely high interest rate of 176 % and Ive paid off what I was loaned!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
An entry on my credit report shows a collection account from Credit Systems Intl for their client XXXX XXXX XXXX XXXX Texas regarding a bill of {$360.00} that was supposedly from 2017. Any billing as such should have been paid by my insurance if they even billed it. I sent a dispute at least 2 months and ever received a response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've told this company to stop calling me. They keep asking for XXXX XXXX. I am not that person. They still call me all times of day and night.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Resurgent Capital Services L.P.
State: TN
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:
DEAR XXXX! 

I have received your invastigation and I disagreed with it. Some of these inaccurate accounts are only reported through you but not the other bureaus. like LVNV FUNDING  NOT IN XXXX. XXXX XXXX ALSO NOT REPORTING IN XXXX. YOU VIOLATED MY RIGHT BY LETTING THESE COLLECTION AGENCIES REPORTING INACCURATE INFORMATION INTO MY CONSUMER REPORT. AS I MENTION BEFORE THESE COLLECTION AGENCIES AND XXXX ARE VIOLATING MY RIGHT AND CAUSING ME MY MENTAL AND SO MUCH STRESS DUE NOT ABLE TO QUALIFY FOR ANYTHING. I AM ABOUT TO BE LIVING IN THE CAR SOON BECAUSE I CANT OF YOU GUYS. I JUST GOT DENIED FOR A HOUSE WITH FIRST KEY BECAUSE OF THESE COLLECTION AGENCIES AND XXXX. PLEASE I DEMAND THESE ACCOUNT TO BE REMOVED FROM MY CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you with regards to my credit report, which contains negative items that are affecting my credit score. Specifically, I would like to dispute the following items : XXXX XXXX XXXX : On XX/XX/XXXX, an inquiry was made on my credit report by XXXX XXXX, which I do not recall authorizing. As I am unsure of the legitimacy of this inquiry, I request that it be immediately removed from my credit report. 

XXXX Inquiry : On XX/XX/XXXX, an inquiry was made on my credit report by XXXX, which I do not remember authorizing. I suspect that this inquiry might be fraudulent, and therefore request that it be removed from my credit report immediately. 

Incorrect Personal Information : I have noticed that my credit report contains an error in my personal information. Specifically, my account number and previous address have been listed incorrectly as XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXX. I request that this information be corrected as soon as possible. 

I would greatly appreciate your assistance in resolving these issues and improving my credit score. Thank you for your attention to this matter. 

Sincerely, 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 2019-12-13
Company: AmeriCollect
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have called the hospital in XX/XX/2019 about not receiving a bill and being sent to collections and they stated that they had my address and it was the slating address, I stated that it was funny because the hospital owns the clinic my primary doctor is out of and their system is linked. Contacted them again in XX/XX/2019 about not receiving another bill and they stated they still had my address in XXXX, MO which is wrong still. And now there is yet another collection on my account from a bill I never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-03-28
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXXXXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX Account # XXXX Account name : XXXX, Account # XXXX Account name : XXXX XXXX XXXX , Account XXXX XXXX Account name : XXXXXXXX, Account XXXX XXXX Account name : XXXX XXXX XXXX, Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation