BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-10
Company: JPMORGAN CHASE & CO.
State: KS
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:
I recently submitted a dispute by accident. I confused two different XXXX orders with one another, because they were both for string lights. One of the orders was returned and the other was kept. 

The one disputed originally was for {$47.00}. The order was placed on XX/XX/XXXX. When I realized I disputed this one by accident, I opened up the correct dispute for {$59.00} on XX/XX/XXXX. The latter order was placed on XX/XX/XXXX. 

I have attempted to close out the {$47.00} dispute online, but Chase 's online system won't allow me to close it out. I contacted customer service and they can not close it out either. I was given the phone number for the dispute 's department, XXXX. But they are not open. I am requesting Chase close out the dispute for {$47.00}. The only one that needs to be investigated is the {$59.00} charge. This item was returned 2 weeks ago, and we have an open XXXX complaint with XXXX to get this item refunded because the seller has yet to refund it. 

The dispute number is XXXX XXXX XXXX - {$47.00}. Attachments are included for your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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. 

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 non-monetary relief
Consumer complaint received 2023-05-09
Company: Arcadia Holdings, LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Thank you first and foremost for representing people like myself whom feel absolutely violated by these criminals. 

I received medical services last year, and received a bill from XXXX XXXX ( XXXX ) indicating that I owed more money than my explanation of benefits letter indicated I should pay. XXXX indicated I owed over them over {$400.00}, whereas my EOB indicated I owed ~ {$160.00}. This claim was ultimately handed from XXXX to Arcadia collection agency as there was still a discrepancy in the amount to be paid, with me refusing to pay more than my EOB. At this time I contacted XXXX, my claim representative, and they had a cease a desist letter filed to Arcadia to halt any further harassment to myself. 

XXXX also advised me to pay the EOB amount only ( ~ {$160.00} ) to Acadia to prevent all further interactions with them and also advised to hand write a letter to Arcadia indicating they were no longer to harass me, which I did. 

Unfortunately, despite the hand written letter and the cease and desist letter filed, these thieves have attempted yet again to send me a physical letter demanding me to pay the remains amount of the {$400.00}, Without any proof of indicated payment due and even going so far as to suggest I outright pay them and then ask the insurance company to pay me back ... .... I am outraged. 

They may retort that the case is closed and that I have a XXXX balance. This however, is not at all what concerns me. It is their violation of the FDCPA that they need be held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
Hello, my name is XXXX XXXX. there is a credit collection from LVNV FUNDING LLC supposedly opened on XX/XX/2022 on my account that has been settled & removed due to the reasoning being " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravins ( mo ) 281 SW 715, 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. '' This account has been sold to another company and now the collection is reappearing after it has been removed in the past. 

The credit bureaus have not accurately removed this account due to false information. 

This collection needs to immediately be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: EQUIFAX, INC.
State: FL
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:
XXXX, Equifax, and XXXX are currently violating my consumer rights by improperly utilizing confidential information contained in my credit file without my expressed written consent. Furthermore they are reporting inaccurate information thereby defaming my reputation, their actions continue to negatively impact my ability to engage in commerce. They continue to violate my privacy rights and are failing to assure the maximum possible confidentiality, accuracy, relevancy and proper utilization of my consumer information. I am aware that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I am also aware that consumers have rights to privacy and the invasion of privacy laws and statutes have been enacted to prohibit conversion and unauthorized use of consumers information from being utilized improperly or made public, without their explicit consent pursuant to 15 USC 1681 ( a ) ( 4 ), and according to FCRA unverifiable and unauthorized account must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX account was cancelled and the company never closed account and kept billing me for service that was cancelled and not used. 

XXXX and XXXX, account paid and still reporting delinquent

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 2023-08-01
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reports show charged off and never received a 1099 on this charge off.

report has errors like last activity all have different dates.

last reported dates are not the same

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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: Was not notified of investigation status or results

Complaint:
I'm having difficulty when I contact the XXXX XXXX  at ( XXXX ) XXXX to rectify the situation which is in error by submitting the court report and fact statement. 
I also had contact the Experian credit report company. I uploaded the information to their site and sent the information via register mail on XXXX to recover solutions agency as Experian demands it in order to resolve the issue on my credit report The Experian will say I should contact collection agency ( which they don't responded ) and I can't get straight answer from Experian after uploading the court report paper. 
I called XXXX since they indicate my dispute result is not available on line and I must call them to this number, but its no way you reach any one life to resolve your issue in Experian or the collection agency after sending all the information requested, via mail or phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX BK OF AMER XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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: Account information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX : Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting agencies. 

XXXX. XXXX XXXX XXXX Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting agencies. 

As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX  XXXX XXXXy ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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 XXXX XXXXXXXX # XXXX XXXX XXXX which was said to b opened XX/XX/XXXX XXXXXX/XX/2022 has violated my rights. 

15 U.S.C 1681 section 602 A states I have a 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
CAPITOL ONE CREDIT CARD OPEN THREE CREDIT CARD WITH OUT MY AUTHORZATIONS-AND I TRIED TO DISPUTE IT AND THEY ARE STATING IT WAS ME THAT OPEN I HAVE A FRAUD ALERT ON MY CREDIT REPORTS CAPITAL ONE 3 LATE PAYMENTS Credit usage 100 % Balance {$1200.00} Balance updated XX/XX/ Credit limit {$500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/ Account type Business Card Payment summary XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XXXX - PAYMENT HISTORY LEGEND Status Closed. {$71.00} past due as of XXXX XXXX 
Status updated XX/XX/ Past due amount {$71.00} Highest balance {$1200.00} Monthly payment {$15.00} Last payment date XX/XX/ Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Account previously in dispute - investigation complete, reported by data furnisher

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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:
In accordance with the fair credit reporting act this creditors has violated my rights under 15 us code 1681section 602 A state i have the right to privacy.

15 usc 1681section 604 A section 2 also state consumer reporting agency can not furnish an account without my written consent. 

This account i do not recall to be made by me i would like an investigation XXXX 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 2023-09-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 XXXX  XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Law offices XXXX placed a medical debt on my report, i sent a certified letter requesting full validation of debt which i havent received. As well as the debt to be validated before reporting on my credit report which they are reporting to all 3 bureaus with out my consent or validation of debt as requested.

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 2022-07-07
Company: PENTAGON FEDERAL CREDIT UNION
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY 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 2023-05-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Law offices XXXX placed a medical debt on my report, i sent a certified letter requesting full validation of debt which i havent received. As well as the debt to be validated before reporting on my credit report which they are reporting to all 3 bureaus with out my consent or validation of debt as requested.

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 2023-05-06
Company: EQUIFAX, INC.
State: NV
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:
The Credit bureaus stated my account was properly investigated yet how is that possible if the open date is inaccurate, the last active is inaccurate, and date last reported is not accurate. This grounds for removal as they also violated my rights under 15 USC 1681 Section 602 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 an account without my written instructions. 

18 USC Chapter 13 Subsection 241 : If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated XXXX abuse or an attempt to commit aggravated XXXX abuse, or an attempt to XXXX, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death. 
Also the Credit bureaus took more than 30 days to complete my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Source Receivables Management 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: Account information incorrect

Complaint:
I have sent this collections creditor two letters asking for full validation of the debt that they are trying to collect from me and reporting against me on the credit reports. I have a right to understand the charges being held against me. To date, I've yet to receive any answer, but yet they are allowed to be reporting against me on the credit report, whether the information is right or wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today XX/XX/23, my information was stolen and used to apply for a Barclay 's credit card. I called Barclay 's and spoke with the fraud department. They closed the account and stated they are not authorized to share the application that was submitted. 

I have the right to a copy of the application that was submitted using my information. To resolve this issue, I will need a copy of the application which includes the address and phone number provided by the individual that fraudulently opened the account. I intend to press 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 2022-01-20
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Greetings, I am writing this complaint with regards to my Netspend account ( Acct. # XXXX ). I previously wrote to CFPB ( XX/XX/2021 ) and Netspend ( XX/XX/2021 ) ( see attachments ) regarding the closure of said account and have yet to receive a response. Netspend canceled my debit card and locked me out of online banking without sending me funds owed from my account. I am unable ( at this point ) to check banking statements and none have been delivered to me. 
I am requesting to review the last three months of my Netspend account statements XXXX XXXX XXXX ) and the return of all monies owed. 

Thank you, 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