BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-31
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Transaction issue

Complaint:
As a result of a disputed and re-disputed transaction with XXXX involving XXXX credit card companies, Chase Credit card company deemed the transaction to be valid and now bills me for the disputed amount {$5200.00} plus interest which I strongly disagree with. The XXXX credit card company credited the amount of the disputed transaction submitted to them and has closed the matter. We never used any member product or member service at XXXX XXXX XXXX despite numerous attempts to book travel with them online because of dramatic inconsistencies with what was presented to us compared to online illustrations for actual bookings. The transaction resulted from a sales presentation that used bait and switch tactics representing prices and services that were not offered or available to members who tried to book services online after membership enrollment. These tactics were used to consummate the sale and smack of fraud. After membership enrollment, I could not access any services online at prices remotely represented in the sales talk. In fact, online XXXX per Diem prices were two, three and four times the average daily rates described in the sales pitch. Actually when NOT booking through XXXX, I found the same vacation stays priced more economically than online prices quoted by XXXX to their members. Also, incentives included in the membership such as a " dream vacation week '' were impossible to to reserve as dates and destinations could not be accessed as far as 1 and a half years out. Flight discounts excluded non-stop and one stop flights and air discounts touted were off the full price fares not wholesale rate discounts described in the travel club sales pitch. Once I digested all the issues connected to XXXX membership, there was no economic advantage to continue the relationship. The membership was sold as prepaid discounted vacation stays and instead would be travel costs were spiked to well beyond reasonable and totally outside the scope of the offering in the sales pitch. In fact, actual rates make the offering cost prohibitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My mortgage company says that they sent a letter to credit bureau 's saying that my account is current at time of closing and there is no payment due. But the credit report show a derogatory account on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I had an ongoing dispute with XXXX since XXXX regarding a {$2600.00} charge that they allowed a merchant to complete with an expired old card on file and an incorrect billing address. XXXX had originally credited {$490.00} and refused to give credit for the remaining balance, including {$2300.00} in interest charged and {$370.00} in late fees. They then reversed the {$490.00} credit. I decided to make over {$3000.00} in payments in two months to pay off the debt that I knew I owed, and refused to pay anything further. My disputes went back and forth with them for many months. I even went onto the merchant 's website and entered all my known email addresses to complete a password reset until I was successful and provided evidence that the card they had on file expired in XXXX, they had a very old billing address, and failed at 8 attempts of the charge the first time as they were simply reattempting with a different exp date until they got it right. I was never advised of the failed attempts by XXXX. 

In XX/XX/XXXX, after having completely destroyed my credit, they filed a lawsuit against me for {$5400.00} under my credit card account number XXXX which, is the only account I had with them since XXXX. 

I filed a response in court without a lawyer and advised their attorney of what took place and the attorney claimed they completed another investigation and determined I owed the complete amount. In XX/XX/XXXX, I receive a notice from XXXX that they completed another investigation and determined that I was correct and that they credited my account for {$1600.00} along with {$110.00} in interest which, again was not the complete or accurate amount. The amazing part is that they did not apply this credit to my account number. They created a whole new account number that ends in XXXX with a starting balance of {$5400.00} and applied a credit of {$1600.00} plus the {$110.00}, and showing a balance due of {$3600.00}. 

I now have their attorney 's office contacting me claiming I owe {$5400.00} on my XXXX card and {$3600.00} on a XXXX card that I never owned. The attorney is aware of this yet just requested that the court set a trial date and they have, it is now set for XX/XX/XXXX. 

XXXX is reporting default on {$3600.00} under this fake XXXX non-existing account onto my credit report and destroying my credit all over again. I do not have an attorney and they are destroying me with this. They will not even give me the whole account number when I have called twice to ask for it. All I know is XXXX, as you will see in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
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: Account information incorrect

Complaint:
I opened a secured credit card with XXXX Bank in XXXX. Upon opening of the account an initial security deposit was placed to secure the account. 

XXXX Bank closed the secured credit card account and failed to apply the initial security deposit to the outstanding balance on the account. This has resulted in fees, late charges, interest and other accruals with the account. 

The account was opened on XX/XX/XXXX with an account number of XXXX. The balance reported as of XX/XX/XXXX is a past due balance of {$390.00} when this account had an initial credit limit of {$200.00}. This account also included fraudulent charges made to the account which do not reflect the outstanding balance.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 filed a ftc report due to me finding a fraudulant account on my report and nobody has yet to help me get this removed.

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 2023-02-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX/ XXXX Balance : {$20000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling my phone and asking for people XXXX XXXX knows debt. When Ive told them multiple times I dont know these people and to stop calling but the keep calling from different numbers trying to make me pay it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Chase closed down 2 credit cards I had with them 1 ) Chase Sapphire Reserve Credit Card and 2 ) Chase Freedom Unlimited. Chase refuses to provide me a reason for closure. I had been a chase customer for over a decade, with business accounts and personal accounts. Supervisor I spoke with over the phone was absolutely rude and informed me that they have decided to end their business banking relationship with me and to never contact them again. 

All of my accounts were up to date and I have an excellent credit rating above XXXX. There was nothing that I can think of that was done from my end that could have caused the closure of my account. 

The credit card shutdowns will significantly impact my credit scores as my chase freedom unlimited credit card was over 10 years old and my oldest account. 

It is unconscionable for a mega corporation to simply close an account, not provide a reason, to never provide a reason for closure, and to treat that holder of said closed account with such disdain and disrespect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am filing this complaint against Ocwen/PHH/XXXX XXXX . I have a shared appreciation modification loan number ( on next page ) in which my second deed of trust 's debt was rolled into the modification. If I completed on time payment for three years, the total outstanding back debt would be forgivien. I have completed the three years, and the debt was forgiven. I have an offer for my home, and I am in a contract. Now that I am trying to close my house, OCWEN/PHH/XXXX XXXX is attempting to awaken a debt included in the back monies owed ; I am requesting that PHH/OCWEN/XXXX XXXX  either assign my second to my first or processes a lien release at the XXXX County Recorder 's Office. I also request that they give me an itemization of the back debt to include the second deed of trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX XXXX, am XXXX and hold superior title and ownership over the principal ( XXXX XXXX XXXX ). I rebuke and reject XXXX XXXX XXXX false presumption through a promissory note claiming my superior title and ownership over the principal ( XXXX XXXX XXXX ). I command XXXX XXXX XXXX with account number XXXX to remove their debt immediately from my credit profile. The attached photo identification is evidence I hold superior title and ownership over the principal ( XXXX XXXX XXXX ) and that XXXX XXXX XXXX has no standing at law against my superior title and ownership over the principal ( 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 2023-07-12
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
I have tried to contact THD/CBNA on many occasions and have went as far as to write a letter on behalf of myself. I have a an inquiry on my account that was not from my behalf and have requested more information and have yet to be provided with it. I did not inquire with Home Depot for a credit card. I am a victim of fraud as to why I have reported so on my account. I would like the following inquiry to be removed as I did not put in a request. I have an unknown female using my social security number to work and apply for cards. I would like to freeze my account to prevent unlawful activity.

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 2022-05-24
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: Information belongs to someone else

Complaint:
I have aye ongoing on problem with XXXX and Equifax, Also XXXX XXXX for not moving faster enough and getting the fraudulent accounts off quickly they took forever to process my mail that I sent in certified it took them three weeks to do and it arrived there in two days they have cost me great misery and aggression. Its has also at cost a financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: IN
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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items arebeingreported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I sent a letter to XXXX, XXXX, TransUnion, and XXXX on XXXX XXXX. I still havent received anything back. according to 15 U.S.C 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, TransUnion, and XXXX have 30 days to respond to my dispute this is a violation of my rights

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 2023-05-16
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
15 U.S. Code 1681c2 - Block of information resulting from identity theft If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. 
See attached also

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXXXXXX accnt ending XXXX was closed on or about XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The account in question is XXXX XXXX XXXX Credit card account. 
It was opened in XXXX by someone using my information. I learned about it in XXXX when I noticed a delinquent account on my credit report. Since then I Have had multiple disputes, multiple snail mail attempts and unsuccessful attempts at having the account confirmed as a fraudulent account as it actually is. I frequently received dispute responses that were inaccurate - such as " We have confirmed this account belongs to you because there were payments made on the credit card from a chase bank account '' when the chase bank account also doesn't belong to me, but of course they can not give me the information of that account to be able to move the dispute further. 

Now they have decided to send the account to debt collector and have requested to garnish wages from my employer for what is A FRADUELNT account. I'm in the process of fighting this more but this just seems insane.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: MA
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: Other problem getting your report or credit score

Complaint:
My wife and I have been in the market for a new home since XX/XX/XXXX. With credit scores of XXXX and XXXX we were able to secure financing easily at rates sub 4 %. During XX/XX/XXXX, XXXX XXXX mistakenly reported a missed payment on our personal loan, causing our scores to decline dramatically. On XX/XX/XXXX, XXXX XXXX informed us of the error and that they would be taking action to correct the mistake with all three credit bureaus. We notified our lender of the mistake and after re-running our credit we now have scores in the mid XXXX 's. We no longer qualify for a mortgage despite having significant cash reserves and having less than 3 months on completing the XXXX XXXX loan. As of XX/XX/XXXX, Experian has yet to correct the mistake on both of our credit reports. Since the error was 2 months ago and we have been making timely payments, our credit scores have improved but are no where near recovering to XX/XX/XXXX levels. We've contacted all of the credit reporting agencies regarding how a score is determined and were told our FICO scores, not Experian XXXX, could be what is preventing us from securing funding. We have requested a rapid rescore by Experian and FICO but they are unable to help with this despite receiving documentation acknowledging the error. We have suffered tremendously and are unfairly being penalized.

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 2018-11-13
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with XXXX XXXX XXXX. I do not have a signed contract with XXXX XXXX XXXX. I am not liable for any debt as it relates to XXXX XXXX XXXX. I have asked that XXXX XXXX XXXX validate the debt in which the claim I owe several times. XXXX XXXX XXXX only produces alleged billing statements. Billing statements are NOT validation of debt. If XXXX XXXX XXXX can not produce a written contract where I agreed to do business with them why have they been allowed to place a negative trade onto my credit report? By continuing to report inaccurate and unverifiable derogatory accounts XXXX XXXX XXXX is in violation of FRCA regulations with fines starting at {$1000.00}. I am a litigious individual and I am hoping that Midland can remove both unverifiable trades from my credit reports without having to go to court. XXXX XXXX XXXX has had ample opportunity to provide a substantial debt validation. This is my last time requesting a proper debt validation. If one can not be produced XXXX XXXX XXXX must remove both derogatory accounts from my credit reports at once. It is not sufice to produce alleged billing statements. XXXX XXXX XXXX needs to show proof, a signed contract with my signature, or remove both accounts from my credit. XXXX XXXX XXXX has been sued several times for trying to collect debt past the statue of limitations and without having complete and full validation of debt. It is NOT SUFFICE to simply respond and say that Midland will mark the accounts as consumer disputes. XXXX XXXX XXXX does NOT have permission to contact me by email, phone, or us postal. All communication must be done through this CFPB portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with explanation