BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card experienced unauthorized charges in the early morning of XX/XX/21, two series of transactions for {$2300.00} at various ATMs and {$7200.00} at multiple XXXX XXXX and XXXX convenience stores. I called to immediately report these charges to my bank, Chase, as soon as I noticed them that morning and told them the circumstances surrounding the charges and suspected theft of my debit card. I asked Chase if I needed to file a police report to move forward with this fraud claim and I was told I did not. I then proceeded to file the fraud claim with Chase the following Monday XX/XX/21 when their claims offices were available. I just found out today that my fraud claim for {$2300.00} was denied based on not having a police report and because the stolen debit card was returned to my room later in the morning of XX/XX/21, even though it has now been multiple days since the incident and I am not in the same city, XXXX XXXX, where this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

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 2021-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Porfolio Recovery has repeated called me before XXXX and a few times after XXXX. Told them a few times to stop calling me but they continue to violate 15 US Code 1692d ( 5 ) ( 6 ). The debt collector will call and give out my personal information when I have no even identified myself nor will they identify themselves before divulging said information. Portfolio Recovery has also never validated the alleged debt per 15 US Code 1692g despite harassing me multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: Phoenix Financial Services LLC
State: OH
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 recently received my credit report and I've noticed accounts that I have never applied nor had communication with, Its hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: U.S. BANCORP
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS IS NOT MY ACCOUNT, IT DOES NOT BELONG TO 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 2021-03-24
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have filed a complaint previously with you about XXXX. XXXX reported to XXXX and XXXX  the accounts were last payment XX/XX/2014. Equifax and XXXX are refusing to remove the accounts like XXXX and Equifax. XXXX will not talk to me at all saying they can not help me due to them no longer having my account. And when I requested them to reinvesitagate XXXX my credit score has dropped drastically and XXXX has put comments on all accounts making it impossible to get my credit score back up. I do not find it fair I should have my credit score drop because I am asking for them to fix it. And also Equifax is the only credit Bureau who messed with my XXXX school account and that in addition dropped my credit score. I called and talked to XXXX and they said they have not sent anything in regards to late payments being changed and Equifax is claiming they did and that is why my credit score has plummeted. Can you please make Equifax fix what they have messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
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:
I have a few accounts on my credit reports that belong to a company and not me personally as an employee. Seems the reporting Agency is reporting them to my personal credit report as a charge off. These loans never showed up on my credit before but now a charge off is there after years. 

I seem to also have a XXXX account and a couple XXXX  XXXX credit cards that I never opened or knew about. I think they were opened by my dad who I havent seen since 1983 when he left me at XXXX years old to never see him again. He has the same name as I do. 

Lastly I have a XXXX utility bill That was in my Exs name. Even though I didnt live at the home with her while the costs were ran up The utility says since she listed me as there it means I am responseable for it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 my car key was stolen, the stolen key was used to get into my my car, my wallet was stolen from the car with my Chase debit card, one other debit card, a XXXX XXXX credit card, a drivers license in the wallet, plus my cell phone was stolen. The thief or thieves used my Chase card to charge more than {$14000.00} at two different department stores ( XXXX XXXX and XXXX XXXX ) as well as using the other debit card and the credit card to make additional charges of more than {$6000.00} at the same XXXX XXXX. I notified Chase of the theft within 24 hours of the theft and disputed the charges. I provided Chase with the name and contact information for a witness who let me use his cell phone to call XXXX, who can attest I was either in the ocean surfing or standing by the side of the road waiting for XXXX when the charges were made at stores 10-12 miles away. I also submitted voluminous documents, which are attached, proving I could not have been present at the XXXX department stores where the charges were made, including records from XXXX showing that I was stranded by the side of the road waiting for a XXXX technician to cut a new car key at the time two of the three fraudulent purchases were made. 

In addition, the transaction history on my Chase account shows that my wife and I have never used the debit card to make a purchase at a store for more than about {$150.00} dollars, nor have we ever purchased any item at either the XXXX XXXX or the XXXX XXXX store on our Chase card. I also filed a police report with the XXXX XXXX Police Department, which is also attached. The XXXX XXXX services fraud investigator has concluded that the {$4200.00} charges on the credit card at XXXX 's was fraudulent ( that resolution letter is also attached ). 

Chase denied our claim initially, but reopened it when I provided additional documentation. However, the again denied the claim on XX/XX/2021. This denial is inappropriate under the Electronic Fund Transfer Act, 15 USC 1693g because I did not authorize the transaction and timely reported it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-14
Company: EQUIFAX, 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, a responsible consumer, XXXX, reasonably believe that I have been a victim of ID Theft. 

I detailed my story in my ID THEFT AFFIDAVIT ( attached ). I reached out to the XXXX Police department and filed a report. And I also filed a report with FTC and USPS. 

I HAVE FOLLOWED ALL THE ADVICE. I did everything Equifax saidvIbhad to do. 

It seemed like a lot of work! But I went down my to do list -step by step -ensuring I do the best I can as I attempt to navigate name clearing process, its frustrating that Ive come to a stop. 

An INFORMATION FURNISHER AND DEBT BUYER NAMED XXXX XXXXXXXX XXXX XXXX LOCATED AT : XXXX XXXX XXXX XXXX VA XXXX has very openly decided to ignore the rules of how to assist a victim of id theft. 


Can you please help me remind XXXX XXXX XXXX  of the laws and protections for American citizens like myself. Im not going to pay two debts that ARE NOT MINE. 

Maybe XXXX XXXX XXXX dont understand rules? 


ACCOUNTS IN QUESTION ARE 2 COLLECTION accounts Owned by XXXX  bought from XXXX one is for XXXX and the other is {$350.00}. 

BOTH ARE NOT MINE. 

Thank you for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
American Express has closed my accounts, after breaching cardholder agreement, to avoid processing credit for unauthorized charges. Other matters as well, separate additional complaints to be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, my rental home mortgage was transferred to NewRez LLC. Starting in XX/XX/XXXX, NewRez stopped apply my extra principal payment to principal but applied the amount to the next payment. The call history with NewRez is as follows : - XX/XX/XXXX - Spoke with XXXX who corrected principal payment, future issues would be fixed and recommended one check be provided and not a separate principal amount. 
- XX/XX/XXXX - Spoke with " XXXX & XXXX to again resolve principal payment as it was applied to next payment amount and not to principal. 
- XX/XX/XXXX - Spoke with XXXX XXXX who again fixed principal amount and made note in their system to ensure extra amount be made to principal - XX/XX/XXXX - Spoke with XXXX to fix XXXX payment and apply principal amount to loan and NOT next payment. 
- XX/XX/XXXX - Spoke with XXXX to resolve XXXX principal amount being applied to next mortgage payment. 
As seen in the attached and according to NewRez policy, " excess funds paid will be posted to principal balance. '' I am extremely frustrated with NewRez continuing to apply my extra principal payment to the next mortgage payment and feel as if they are trying to take advantage of me for extra interest. The above is completely documented in the attached.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: ALLY FINANCIAL INC.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My 2018 XXXX XXXX was stolen. It was recovered 40 days later and by then the insurance company had agreed to pay the vehicle off. XXXX paid the vehicle off. We decided to keep the vehicle and pay the remaining balance after damages, assessments, and adjustments. Ally financial has since cashed the check from XXXX insurance in the amount of {$27000.00} and is say they dont have it. Ally stated the check was returned and XXXX doesnt have any proof of the check being returned nor does Ally Fin. They have provided me with a transaction history that is incorrect and I feel should be void.

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 2019-05-14
Company: EQUIFAX, 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:
Racial Discrimination Complaint : XXXX XXXX XXXX. 

XXXX, Equifax. & XXXX Violation of Sec. 1681n. Civil liability for willful noncompliance : by not providing or listing to me in their numerous responses the name of the third-party that provided the public records on my credit report listed as a bankruptcy in the responses filed by the credit bureaus and the proof of the verified source that has caused me serious financial harm : 1. XXXX XX/XX/2019 2. Equifax XX/XX/2019 3. XXXXXXXX XX/XX/2019 I am outraged these companies continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third-party system known as a Pacer System. The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from the date of adjudication or date of order of relief. 
Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. 

Based on the fact that I am an XXXX American, as well as the fact that I have provided these companies, Equifax, XXXX, and XXXX with a copy of my driver 's license which represents my race, I believe these companies have targeted me based upon my race as an XXXX American in the manner in which they have failed to provide evidence of who their " Third Party! '' Where in fact these companies have not verified this case with the actual courts based on using my social security number. 

I have asked for the who the third party source over the past 8 months and each company has violated my rights under the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Experian Information Solutions Inc.
State: LA
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:
I received a notice that a dispute was initiated with Experian. I never asked, signed or submitted any online request specifically asking Experian to verify this account. How could someone do this on my behalf if my Experian account is frozen. Previous activity of identity theft is the reason I placed a security freeze on the 3 major credit bureaus along with the smaller ones. I was told a credit freeze would prevent this type of unauthorized request or inquiries from happening. Now that this request has already been completed without my permission I request the account in question be removed. If you can not remove it even though the request was done illegally I request the following be provided. 

1. Provide the letter or method that authorized Experian to conduct this dispute on my behalf.

2. Provide the method of verification used to verify the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this re-investigation. 

I have attached a written request for the method of verification.

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 2021-06-21
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I wrote to Experian requesting an investigation into items that I believed were OBSOLETE. To date, I have not received a reply from Experian or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my Third request. 

Please see my reasons for dispute below : 1. Mistaken Identity XXXX  XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Mistaken Identity XXXX  XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my 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 2019-05-14
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened Citibank checking account with their XXXX USD bonus offer with deposit of {$5000.00} within 30 days, Citibank did not allow me to fund my account until XX/XX/2019 over the internet and I was not allowed to deposit funds until I received a PIN number from them through mail and I received it XX/XX/2019. It was virtually impossible for me to meet the terms they issued with the system that was in place, I am disgusted by this predatory method of having people open their banking accounts only to be scammed by their predatory practices involving forced manipulation of possible depositing methods.

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 2019-05-14
Company: Experian Information Solutions Inc.
State: NH
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 believe that the creditor that has a negative collection on every one of  my credit bureaus has a misunderstanding as to the responsible party to the account. My husband XXXX passed away a few years ago, and the account belonged to him as the responsible party. Therefore, I respectfully request the credit bureaus to intervene and see that XXXX XXXX applies my rights under the Fair Credit Reporting Act and delete the account on every credit bureau respectfully.

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 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 believe that the creditor that has a negative collection on every one of my credit bureaus has a misunderstanding as to the responsible party to  the account. My husband XXXX passed away a few years ago, and the account belonged to him as the responsible party. Therefore, I respectfully request the credit bureaus to intervene and see that XXXX XXXX applies my rights under the Fair Credit Reporting Act and delete the account on every credit bureau respectfully.

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