BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-15
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I tried to book a hotel for my family vacation. The amount was for {$1000.00}. The transaction did not go through and I received a text message from Chase at XXXX XXXX stating there was fraud detected. The text asked me to answer yes or no. If my answer was yes, I would not be charged and had to try again. If it was no, my card would be closed and Chase would send me a new card. I answered yes and I received a text message saying thank you for confirming my transaction to retry the transaction. I did not retry to book again that day. 

The next day ( XX/XX/XXXX ) I noticed I had not been charged for the hotel. I decided to book a different hotel. Before I booked another hotel, I decided to call Chase 's customer service to get clarification on whether the transaction had gone through. If so, would I needed to contact the hotel or Chase to cancel the transaction. The Chase agent informed me the transaction had been declined so i had not been charged for the transaction. I would only be charged if if I tried to book the hotel again. 

After hanging up, I did not book the same hotel and booked a different hotel. On XX/XX/XXXX, a week later, I saw I had been charged the {$1000.00} for the first hotel on or around XX/XX/XXXX. I called Chase to ask why I had been charged the {$1000.00} since I never rebooked the first hotel and I had also called to confirm with an agent on XXXX XXXX, XXXX that I would not be charged unless I tried to rebook the hotel. They stated they would conduct an investigation into the matter and would refund me the amount for the moment. 

On XX/XX/XXXX, I received two letters from Chase stating they had completed their investigation into the transaction I reported to them on XX/XX/XXXX. Chase stated they found that the transactions were processed based on information I provided or authorized. As a result, they would remove {$280.00} and {$740.00}, totaling {$1000.00}, from my account on or after XX/XX/XXXX, which they did. 

After I received these letters I have called them twice about this issue to get clarification on why I was told misleading information about whether the transaction had been approved or not. I have been told by Chase agents there is nothing they can do since I voluntarily submitted my information even though I never stayed at this hotel.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Navient systematically fails to process Co-Borrower Release applications for private student loans. Leaving the co-borrower who received no benefit from the private student loan and received no information regarding the amount to be borrowed, the essential terms of the contract, or any information regarding their permanent and unrelenting personal liability to be released as a co-borrower. Navient has arbitrary and undisclosed policies regarding how to handle Co-borrower release applications, if they are denied and the co-borrower requests an alternative solution, Navient assigns the co-borrower a " Consumer Advocate '' who is not a neutral party nor has any discretion or authority to actually advocate for the consumer. The only option this Consumer Advocate can provide is a Co-Borrower Waiver - wherein the co-borrower is required to pay Navient to be released from further liability ; however the amount of the waiver is equal to the principal amount of the student loan. This is obviously not a meaningful or financially viable remedy and is specifically intended to prevent Co-Borrowers from being released, frustrate the process, and force Co-Borrowers into bankruptcy.

Navient is a debt collector, who is assigned to collect a debt for a third party but systematically and intentionally fails to convey offers to the owner/lender/original creditor regarding Co-Borrower Release Applications or Waivers. This process is unethical and illegal because Navient has no authority to conduct business in this matter, routinely fails to mitigate damages, and enforces contracts wherein the Co-Borrower was fraudulently induced to accept the terms that were nebulous at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-02-06
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX : I was contacted for the first time regarding this debt. According to XXXX XXXX ( XXXX XXXX ), I owe {$610.00} for an account that was opened in XX/XX/XXXX. I informed XXXX XXXX that I did not have an opened XXXX account and I never shopped at Backcountry nor charged {$390.00} on XX/XX/XXXX, XXXX. I never receive explanation of the other charges. I requested XXXX to run an investigation. 

I requested to be told the contact information for the account, most of the information was not related to me. The representative stated that the contact information needed to be updated so they can run the investigation. 

On XX/XX/XXXX, XXXX XXXX sent me a letter stating " Based on our investigation, we have been able to validate your claim of fraud and cofirm that the above account and/or subject transactions fraudulent. As a result of the confirmed fraud, we have removed and/deleted the fraudulent transactions from the account. However, we have also closed this account in order to prevent future fraudulent transactions. 

I waited 90 days, recontacted XXXX XXXX to verify the account clearance of debt and closure. The representative advise me the account balance is {$0.00} and the account was closed to fraud. 

On XX/XX/XXXX, ( The first time contacted ) Midland Credit Management sent a letter stating " We are writing you that we have opened an invesigation regarding your recent dispute ( Never disputed with them ). 

On XX/XX/XXXX, I contacted Midland Credit Mgmt to inform them that this account was found fraudulent and closed by XXXX XXXX. I also read the letter to XXXX. He stated that the account was charged off XX/XX/XXXX. I stated how can a fraudulent closed account be charged off and/or turn over to collection agency. XXXX immediately transfer me to investigation department. 

I requested contact information on the account, most of the information was correct, I informed him that XXXX requested correction to the account information so they could run an accurate investigation. 

XXXX ( investigation dept ) listened to me reading the letter of XXXX investigation stating that the account was fraudulent. I asked the same questions how does a fraudulent closed account get sold and/or turn over to collection. He kept mentioning another Bank that apparently took over XXXX or XXXX, he was a little confusing to talk to. Once again XXXX stated they need to run investigation. 

At this present time, I am waiting for Midland investigation findings, I do not know why another investigation needs to be performed when the original creditor ( XXXX XXXX ) already found the account to be fraudulent, clear of debt, and closed. 

I am attaching the XXXX fraudulent findings letter and Midland Credit Mgmt letter. 

Thank you for any assistance you can provided to solve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
EQUIFAX has failed to properly verify my identity in order to obtain my credit report/score. After numerous attempted during the course of several weeks, I have contacted EQUIFAX 's customer service to resolve this issue. I provide the representative with all the information they request, and still can not solve the problem. 

I have mailed copies of the documents they have requested ( Driver 's License, Social Security Card and Utility Bill ) and no matter what I do, they can not fix the issue. My EQUIFAX report can not be accessed by anyone including myself. This presents an issue as I'm in the process of purchasing a new vehicle. Since creditors can not access my report, they will automatically deny me, which further adds to the burden of making a large purchase. 

Additionally, since I do not have access to my report, I do not know what is being reported. If there is any information on my report that is currently erroneous or incorrect, I would not be able to dispute it. 

I've attached all the documents EQUIFAX asks every time I call with hopes that this problem gets fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2022, I reached out to the courthouse and asking do the company report bankruptcies and if so to whom. The response that I got from multiple communications was that they don't report bankruptcies to anyone or any agencies. So if that is the case, how did the credit bureaus edify my bankruptcy as a 100 % accurate? They never did a investigation as to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly form a creditor of the consumer or from the consumer. 

They also violated my rights numerous of times. The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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, According to : 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 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 2020-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a credit alert that my Kohl 's account was 30 days overdue. 

This was the explanation I received from Kohls : My billing cycle begins on the XXXX of each month. Two payments were received in XXXX. One payment was received on XX/XX/XXXX. Second payment was received XX/XX/XXXX. Because second payment was marked XX/XX/2020, it was not counted towards the XXXX billing cycle, thus making my account 30 days past due. 

PAYMENT OF {$40.00} WAS MADE ON XX/XX/2020 Therefore, that payment should of counted towards my XXXX billing cycle. 
Therefore, my account has never been 30 days overdue. 
Therefore, Kohls report of my account being 30 days late in XXXX is inaccurate and should be deleted. This single blemish affected my scores by up to 80 points and has caused me to get denied from a personal loan I very much need during this pandemic. 

I have spoken to several different representatives at Kohl 's. Two of which told me someone would contact me to gather the evidence I had that I in fact did make a payment for XXXX billing cycle. I did not err by making a payment one day too early. I knew specifically to date the payment for the XXXX. I have an email verifying payment was scheduled for the XXXX of XXXX and a copy of bank record confirming a withdrawal on the XXXX of XXXX by Kohls. No one contacted me. Instead, I received a letter stating that after looking into my dispute, they deem their reporting valid. After a divorce, and being a single mother to XXXX  children, building and maintaining good credit standing has been one of my top priorities. I know the billing cycles of each of my credit cards. 

ATTACHED : PDF of bank records showing amount withdrawn on XX/XX/2020 for Kohls PDF of  Email verifying amount to be withdrawn on XX/XX/2020 PDF of bank records showing amount withdrawn on XX/XX/2020 for Kohls PDF of payment history showing payment posted on XX/XX/2020 and XX/XX/2020 Why would this company choose to post a payment the day after payment was withdrawn from account, but then on that same month choose to post a payment the after payment was withdrawn from account knowing it would incur a late fee? 

Are Kohl 's profit margins so slim that they have to nickel and dime their consumers during this Pandemic? During such trying times in which there is so little job security credit is so important. Now my credit score is suffering because a company, despite my multiple statements telling them I can provide bank records, decided I paid my monthly bill one day too early.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: FIRST ADVANTAGE CORPORATION
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I require mortgage to be reported as mortgage and not landlord debt. XXXX has provided this information to XXXX which is incorrect and discriminatory. 

Consumer Attorneys- Dispute to First Advantage Inbox XXXX XXXX XX/XX/2023, XXXX ( 10 days ago ) to me Hello XXXX XXXX I got a response from our attorney about the issue with your First Advantage report. Reporting the account as a debt to a landlord is misleading. 

You already disputed the report over the phone, but we would like to have written proof of dispute. So we advise you to file another dispute via email. 



You can use the template below Subject : Report Dispute Hello First Advantage, My name is XXXX XXXX, my date of birth is [ your XXXX ], and the last XXXX of my social are [ last XXXX digits of your SSN ]. Recently I was denied an apartment based on your screening report. The property management company is XXXX XXXX XXXX. Your report is showing my mortgage loan with XXXX XXXX  as a debt to a landlord which is not correct, reporting a mortgage as a {$510.00} debt to a landlord is misleading. Please remove this account from the LANDLORD DEBTS section of my report and provide an updated copy to the apartment complex and to me at XXXX. If you have any questions you can reach out to me at XXXX. 



Please fill in your date of birth and the last XXXX of your social and send this template in an email to First Advantage at XXXX Keep me posted on any responses or other correspondence you receive from First Advantage. 



If you have any questions, let me know

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: GA
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:
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.

has violated my rights. Or list of inquiries 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 2022-07-11
Company: EQUIFAX, INC.
State: NJ
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:
Equifax reports a date of last activity of XX/XX/XXXX while the other bureaus report different dates ( XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX ), which is a clear indication that this account was illegally re-aged. 

Equifax also lists this CLOSED account as OPEN and continued to report positive payments on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: CITIBANK, N.A.
State: CA
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:
Charges were made on XX/XX/2022, for the amount of {$540.00} XX/XX/2022 MEMBERSHIP FEE JUN 22-MAY 23 {$0.00} FOREIGN TRANSACTION FEE {$270.00} INTEREST CHARGED TO STANDARD XXXX {$59.00} XXXX XXXXXXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$890.00} XXXX XXXXXXXX XXXX XXXX {$990.00} XXXX XXXXXXXX XXXXXXXX XXXX - {$2.00} XXXX XXXXXXXX XXXX XXXX {$890.00} XXXX XXXXXXXX XXXX XXXX {$990.00} XXXX XXXXXXXX XXXX XXXX {$540.00} XXXX XXXXXXXX XXXX XXXX {$830.00} XXXX XXXXXXXX XXXX XXXX {$870.00} XXXX XXXXXXXX XXXX XXXX {$890.00} XXXX XXXXXXXX XXXX XXXX {$830.00} I filed a dispute online and by phone. Have reached out for help through CitiBank XXXX page. Filed a complaint with XXXX, XXXX, and XXXX. Emailed XXXX XXXX XXXX of CitiBank.

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 2019-05-10
Company: EQUIFAX, INC.
State: MN
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 have requested information in regards to this fraudulent account inwhich I'm disputing and demanding that this account is blocked from my credit data file. The account is XXXX XXXX. I have requested the Method of Verification and certified documentation, signed contract, etc, and an electronic Verification can not be accepted as proof. So in accordance with the FCRA laws, either provide the above information or block the account immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit 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:
Attached you will find a contract by XXXX XXXX. They charged me over {$25000.00} to run an Amazon store for me and then breached the contract. They shut my store down abruptly and refuse to refund my money. I have been trying since last year to get this resolved. The owner of XXXX XXXX, refuses to answer phone calls. He is fraudulent and is stealing thousands of dollars from clients such as myself. He needs to be held liable and the Chase should be held responsible for not refunding my card, when they have admitted that my complaint is valid.

Company response to consumer: Closed with explanation