BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-12
Company: JPMORGAN CHASE & CO.
State: LA
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:
On XX/XX/XXXX, I bought four airline tickets for a trip from XXXX XXXX to XXXX XXXX on XXXX airlines. I used XXXX to purchase the tickets. The total is {$160.00}. 

The trip was scheduled in XX/XX/XXXX, and cancelled because of the pandemic. Yesterday ( XX/XX/XXXX ) I began discussing rebooking the trip and discovered that XXXX stopped flying in XX/XX/XXXX. XXXX is now in bankruptcy in XXXX their web site and phone numbers are disconnected. 

Chase bank refuses to allow me to dispute the charge because they claim I had to do that within 60 days ( of what is not clear ). XXXX says I can use the credits but only on InterJet ( which is never going to fly again ). Chase 's Travel Insurance recently stopped covering bankruptcies and insolvencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is a complaint about my Citi Costco Anywhere Visa Card. This started when I made a late payment on XX/XX/XXXX. The payment was two days late, having been due on XXXX XXXX. I was charged a late fee, and an interest fee, totaling {$53.00}. That was expected, and I did not complain to the company. What was unexpected was an interest fee that appeared on my account on XX/XX/XXXX for {$9.00}. I was confused because I am only charged interest when ( as above ) I make a late payment, or if I only pay part of my statement balance. I never pay part of my statement balance ; I pay off the entire statement balance each month. When I made my late payment on XXXX XXXX I paid what they presented as the whole statement balance, and then on XXXX XXXX I made an early payment for the next statement balance. Today, XX/XX/XXXX, I started an online chat with a customer service representative at Citi to discover why this charge was made on XXXX XXXX. To the best I can understand the conversation, I accrued interest during those XXXX late days that attached to my statement balance, and because I was something like {$20.00} short on the total statement balance I had to pay interest on that {$20.00}, accruing each day, until XXXX XXXX when I made that early payment. I argued that I paid what Citi told me was my statement balance, and I can't pay off something I don't know that I owe. The rep just directed me to the company rules. I find this to be a manipulative, dishonest, and abusive practice. I can not pay what I don't know that I 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 monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: FL
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE accounts listed below. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE! 

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 2023-11-21
Company: EQUIFAX, INC.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Colony Brands, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Two Credit Cards were opened in my name in XXXX when I had my credit open because I was in the process of purchasing a home. The cards were opened on XX/XX/XXXX and XX/XX/XXXX. 

A credit card was opened with XXXX XXXX on XX/XX/XXXX in the amount of {$720.00}. I did not open this credit card. I contacted XXXX XXXX repeatedly to let them know that I was unaware of this card and never made the purchase. The so called missed payments over the course of the past year and a half has seriously injured my credit. 
According to my credit report with XXXX, it was Charged off in XX/XX/XXXX. 
However, this remains as a problem and is impacting my credit report. I want this account removed from my credit. 
XXXX XXXX, XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: PNC Bank N.A.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has sent me a letter which states I owe XXXX in charges to PNC Bank. They reference the account as XXXX, as of XX/XX/2022. 

XXXX XXXX XXXX was made aware that this matter was resolved. My account was credited on XX/XX/2022. 

I ask that XXXX XXXX XXXX remove my name from any collection action, send a letter apologizing for the fraudulent claim & never contact me again regarding this fraudulent item. XXXX XXXX XXXX should have carefully reviewed the account and information associated with it thoroughly, before making any contact with me. This matter shows complete ignorance and lack of professionalism by a desperate company looking to exploit consumers and collect on fraudulent items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian

Information Solutions, 993 F. Supp. 2d 1154 - Dist.

Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I have mailed the credit reporting companies and the company ( Arkansas Child Support ) that is reporting to them. They always reply that the account is verified but havent provided me any proof

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There 8 total accounts regarding student loans from 2011. Four are closed with no balance but legally should be removed as they are over 7 1/2 years old. The next 4 are duplicates but showing as active. These also legally should be completely removed as they are over 7 1/2 years old but show as current. They are all Department of Education accounts. The following are open dates and amounts : XX/XX/11 {$4500.00} ; XX/XX/11 {$4700.00} ; XX/XX/11 {$7100.00} and XX/XX/11 {$890.00}. 

I have repeatedly asked all 3 credit bureaus to remove these from my credit report, with varying results. The above statement reflects my XXXX credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$22000.00} XX/XX/2022 INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: MI
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:
I was doing a routine check on my credit score and came across credit inquiries that were not made by me.

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 2023-11-20
Company: EQUIFAX, INC.
State: IL
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 dispute the validity of the debt associated with the accounts reportedby XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to the credit reportingagencies. I have strong reason to believe that this alleged debts is fraudulent, and itsinclusion in my credit report is both inaccurate and damaging to my creditworthiness.As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit ReportingAct ( FCRA ), I am entitled to receive validation and verification of this debt uponrequest. I hereby request that you provide me with all necessary documentationvalidating the debt, including a copy of the original contract or agreement, anystatements reflecting my obligation, and the chain of ownership demonstrating howyou acquired the alleged debts. All accounts listed in Identitytheft are opened not byme and follow the law must be removed from credit report immediately. Furthermore, I request that you cease all collection activities related to this account until you haveprovided the required validation. Any failure to comply with this request within thestipulated timeframe may result in legal action, including but not limited to a lawsuitfor violations of the FDCPA and FCRA. Please be advised that I am aware of my rightsunder the FDCPA and FCRA and will not hesitate to pursue legal recourse ifnecessary. Additionally, I have already filed a report with the Federal TradeCommission ( FTC ) and law agency regarding this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have made inquiries without my authorization. This has negatively affected my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My social security number has been compromised my financial information is being used the my permission I'm able to file police reports I hired a lawyer to contact any entity concerning Financial student aid social security banks debit cards or credit cards anything concerning my personal information and it's illegal usage it needs to be stopped now on my name is XXXX XXXX my phone number is XXXX and we will win ... 
My attorney 's phone number XXXX XXXX XXXX getting more questions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Med-1 Solutions, LLC
State: PR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX Has reported negative items on my credit files. This account should be under the XXXX XXXX XXXX XXXX XXXX hospital.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: CA
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:
Multiple complaints to Equifax in regards to an account that is not mine, FTC, affidavit and theft report submitted. Equifax continues to verify information is accurate and failed to respond to request of method verification. None of the other XXXX credit reporting bureaus have this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for ANY purpose!

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 2017-04-10
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
A company that is not a part of my federal student loan report is trying to collect a debt that is not owed to them. This company is a private company not a student loan collection agency. Also this company is a 6th or 7th party.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX  XXXX XXXX XXXX VIA XXXX  " XX/XX/XXXX/ XXXXXXXX " XXXX XXXX XXXX XXXX XXXX CA XXXX " XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX XXXX and Transunion, I am writing to dispute the following information that appears on my XXXX  consumer report : Dispute 1 " XXXX   XXXX XXXX/XXXX Reporting 4 times 2 of them are duplicates.

" Student Loan " XX/XX/XXXX-XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX shows late payments, this is inaccurate. I am in deferment and I have the contract renewal from that year showing I was not late. The laon company made an error and provided me proof I was not at fault for this The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time.

I understand that under 15 U.S.C. Sec. 168i ( a ), you must complete the investigation within 30 days of this receipt of this request. Please send an updated copy of my credit report to the address above. I also request corrections be sent to any creditors who received my report in the last 6 months. Please also be aware that any negative mark found on my credit reports including XX/XX/XXXX from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must delete the entry.

Thank you for your assistance.

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 explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Upon the agreement of XX/XX/XXXX the company XXXX XXXX XXXX in connection with XXXX XXXX agreed to remove the negative information on the credit report as it was inaccurate. When I contacted their office on XX/XX/XXXX to advise that when I reviewed my credit report that they had placed the item back on my credit as a new debt, I was told I needed to contact XXXX XXXX directly. However XXXX XXXX XXXX is the XXXX to which I was working with directly. XXXX XXXX XXXX has stated that they no longer has the ability to assist me as the matter was settled and that I would need to contact XXXX XXXX however there is no record of XXXX XXXX. When I spoke with XXXX XXXX XXXX there claim is that they no longer have a relationship with XXXX XXXX and are unable to assist me. However because this is reporting on my report as a new debt it leads me to believe that there is fraud. XXXX XXXX XXXX has failed to do as agreed and I have been informed that they do not have a valid number for the company XXXX XXXX to remove the item from my credit report as I do not owe this debt.

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 2021-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I've had my Capital One Card for many years. I have a very good credit score ( close to XXXX XXXX. Cap One chose to close my account for inactivity. I had not used it for a period of time. My issue is that they sent the closure notice to an email account I no longer used. They should have seen a bounce back email and known their communication attempt was not successful. At that point, Cap One should have contacted me via US Mail and phone. However, they summarily closed without my knowledge. So, I was not aware they had made this decision in a vacuum. This, of course, effected my credit score as I lost the years of history. 

I recently discovered they had closed it and called their help desk to have the account reopened which they say they can't do because it was closed due to inactivity. However, they should have given more than one notice to a non existent email account prior to closing this account and damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: LA
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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