BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-11
Company: JPMORGAN CHASE & CO.
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:
In XX/XX/XXXX    I reviewed my credit report and a Chase account that I did not recognize was reporting on my credit report as a charge off with a   XXXX   XXXX    bal ance. I was informed that I could get a loan with this unpaid charge off on my credit report. I challenged the account with the credit bureaus and  XXXX  and  XXXX  verified the account.   XXXX   stopped reporting the account.   XXXX  and  XXXX   referred me to Chase. On   XX/XX/XXXX  I  wrote my first letter to   Chase asking for validation of the debt with information on the origins of the account, date opened, date of first deliquency, what was purchased and proof that I opened the account. I was concerned that my identity might have been compromised. I received a generic letter back from Chase in essence stating that the account was charged off and that the balance is {$24000.00}. No information that ensured me that I opened this account or that it belongs to me. I would think that I would remember charging up {$24000.00}. For the record, I do not believe I did.
I have sent two other letters, ( one   on   XX/XX/XXXX  and the other on  XX/XX/XXXX  ) stat ing that I believe that the  Chase account was opened without my knowledge or consent. Chase has not responded  to either letters.   XXXX   and   XXXX    continue to report the account as a open charge off with balance from   Chase.
It has now been 8 months and I wrote Chase a   letter on   XX/XX/XXXX  to ceas e all reporting of this account for failure to send me needed documents to show how I have a financial obligation the C  hase Credit Cards. Since this is now my 4th letter, I can not waste anymore time. I have given them 10 days from receipt to either to remove the reporting or send all paperwork that illustrates that this account is mine. I feel that Chase is breaking the law by not sending me required information so that I can make an educated decision on what to do next. I feel Chase is being punitive by not resolving the issue and that it is my understanding that they can not ignore my request to validate the debt or conduct an in-depth investigation if I feel I did not ope the account.
According to the C.F.P.B., what are my rights as a consumer? I thought the burden of proof was on the furnisher on the data reported to the credit bureaus. Why is Chase e  xempt in sending requested data to the consumer? I appreciate your efforts in helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2018-10-26
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:
AFTER REINVESTIGATION, 14 accounts are still being reported by EXPERIAN with an UNKNOWN STATUS. The account names are Department of Education/XXXX XXXX -- there are 14 of them with the same account numbers, i.e., XXXX -- may even be duplicates. 

The other one is XXXX, Account # XXXX with an Status Unknown. 

The continued reporting of " DISPUTED UNVERIFIABLE INFORMATION '' after SEVERAL reinvestigations WITH AN " UNKNOWN '' STATUS, violates the FCRA and [ 15 U.S.C. 1681 ] as it states : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

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 2023-07-20
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No late payments- thats an error

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 2023-08-07
Company: EQUIFAX, INC.
State: PA
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 8th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXXXXX XXXX XXXX XXXX XXXX : - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$8800.00} XXXX XXXXXXXX Inquired on XXXX XXXX, 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been payin for my VA home loan for almost 20 years .l am a  XXXX  vet, I fell behind because of car repairs and health issues.I have applied for the loan modification option and it 's been ridiculous. Since  XXXX     2016  they have been giving me the run around saying they are not reviving my letters send by email .Now they want me to send  XXXX . Getting my divorce validated here i n P.R and  put me on a probation payment plan for 3 months. I calculated and I paid more than {$140.00}. To then on an Orginal {$70.00}. Loan. I do n't want to loose my house. Thanking you in advance  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 2022-04-26
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: Was not notified of investigation status or results

Complaint:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under TRANSUNION. 


XXXX 90 days late in XX/XX/2017, XXXX 2017, XXXX 2017, and XXXX 2017. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!

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 2023-07-20
Company: DISCOVER BANK
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No late payments- thats an error

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
CAP1/SAKS created a charge card without my knowledge. I am a victim of Identity Theft and they approved a card without complete verification. I have sent them a copy of the charge card in dispute on a XXXX Credit Report, Local Police report on the Identity Theft, IdentityTheft.gov file report, and a memo stating that I was not the person that opened the charge card. I have already cleared 4 out of 7 fraudulent accounts on my credit reports, Which one was another CAP1 Charge card. CAP1 acknowledged that the other one was fraud, but the CAP1/SAKS  card was not considered fraud due to Publicly available information. When asked for the investigator and the public information I was denied further information. My investigation took well over 90 days to be completed. When the investigator completed it, they did not notify me what so ever. 

At the time CAP1/SAKS Charge Card was opened I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This shows how little these credit companies care about our information. They will open any card without further identifying or confirming with us. I am now struggling to purchase my house due to my horrible credit score. I have served XXXX XXXX XXXX XXXX XXXX and I am now alone sorting out my life. No one helps me and these credit companies just don't care.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-11
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On   XXXX   XXXX   XXXX     at approximately  XXXX  I called Navient customer service to inquire why my account was showing a past due balance and all payments have been made. I 'm on an income-based repayment program and based on a letter I received dated   XXXX     my current plan is effective through   XXXX     and my renewal of plan was approved. Customer Service Representative  XXXX  (  XXXX  ) reviewed account and provided misinformation, stating my plan expired in  XXXX . I read contents of letter and continued to receive misinformation, then requesting to speak to a supervisor. I was on hold for excess  of 40 m inutes, intermittently told that no supervisor was available and that same customer service rep continued to talk and place me on hold. After insisting I was finally transferred to a Supervisor  XXXX   (   XXXX   ) wh o informed that my plan expired and I had a higher payment for  XXXX , despite the letter I received indicated my plan was effective through  X/XX/2017   . The call continued with no resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-11
Company: Siwell Inc
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My payment has changed 3 times in the last 4 months the company I 'm I am currently with capital mortgage services has escrow analysis on my account in correctly multiple times the previous loan servicer I was with  XXXX  all is now dissolve company and no longer exist they put on   XXXX   XXXX   insurance and did not update my house insurance policy therefore the insurance was {$2600.00} a year now they will not give me any refund they have took all the money out of my escrow and they are changing my payment and charge me  XXXX  more dollars that my payment was before I need your help please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: DISCOVER BANK
State: GA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on DISCOVER BNK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 sent validation letters asking them for original signed documentation of this account belonging to me. when I call and talked to them I am told that they no longer have the documents. 

I have asked XXXX TransUnion XXXX to validate as well but they fail to do so. They tell me that I have to talk to the Creditor XXXX. XXXX TransUnion XXXX are suppose to have correct information to report negative items on my report. 

account number : XXXX Unverified Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I sign up for a 4 year interest free account with Synchrony Bank through XXXX XXXX, then on the first month they take the full amount out of the loan my bank, almost {$8000.00} I wasn't expecting. The payment should have been around {$160.00}. I call them on XX/XX/XXXX and they apologize after trying to blame me for their mistake. They tell me they will reverse the payment and I should see it in the next two weeks. Two weeks go by and nothing so I call them again, now they tell me it takes 15 business days. I call at the one month mark and they apologize and tell me that the refund was never processed and that they are going to cut me a check and mail it, could take 2-3 week. What garbage. Deceptive at worst, incompetent at best, either way I would never do business with this organization again.

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 2023-04-05
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Some time before XX/XX/2022, I bought 2 bras from XXXX XXXX using their XXXX XXXX  issued charge card. I paid them 1 month late for the bras as I was considering returning them for poor quality. They charged me late fees through XX/XX/2022, of which I paid ONE, given that I was one month late on the payment. They continued to accrue charges until XX/XX/2022, then charged off the debt and sold it to Midland Credit Management. In previous discussions with XXXX XXXX I explained that I paid them all that was due. They would not negotiate and the debt is now {$450.00}, all of which is bogus late and other fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. I JUST TRIED SUBMITTING MY COMPLIANT BUT IT WAS CLOSED RIGHT AWAY FOR SOME ODD REASON.

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 2022-09-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER Starting in : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make a 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 any 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 explanation
Consumer complaint received 2023-05-01
Company: CL Holdings LLC
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:
Jefferson capital system put old information on my credit report to XXXX, I already dispute not my account on XXXX, and XXXX, they removed it from both, and I did not dispute XXXX now it showing up as of today on my XXXX report, this has cost a lot of things to change on my credit cards, also loans, drop my credit limit, this has been going on every six months, the information deleted, 6 months later it back on there, Im hurt and my credit means a lot to me, I pay my bills, if this was my bill, I would not have a problem paying, it at my credit report, never been late never missed a payment, they have no right to do this, they keep selling the debt back and forth, please get in touch with XXXX, I did dispute it today, it just showed up on my credit report on today, thank you, I feel I my right has been used against me please get in touch with XXXX, like you all ready did with the other the credit bureau Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In response to my first complaint (  XXXX  )  XXXX   XXXX  sent information to an address that does not belong to me, never has belong to me, and to which has been a disputed address on my credit reports. Whether mail was returned via the post office is not for me to find ou t, 1.  How would I know mail was sent if the address is not mine?     If mail such as this was sent via certified mail with signature requested then we would n't be going through this right now. Santander nor  XXXX   XXXX  sent me validation of this debt or the notice it was going to be reported, nor did either of them send me the notice of sale after repossession until this complaint was filed then  XXXX  sent notification and documentation. This is against laws, and part of a repossession is to provide a date and time of sale in case the consumer would like to gain ownership of the car again and that 's was never received until after complaint through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: NAVY FEDERAL CREDIT UNION
State: VA
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'VE CONTACTED THE BUREAUS MULTIPLE TIMES REGARDING THIS ACCOUNT. PROVIDING DOCUMENTATION OF WHO I AM AND WHERE I'VE LIVED INFORMING THEM THAT THIS ACCOUNT HAS NEVER BELONGED TO ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation