BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I used reward point to redeem for digital XXXX card on XX/XX/XXXX. During the process, I input my email address but I miss typed email address. 

Since I didn't get anything, I checked in credit card website, I found out there was miss typing email address, called them and fixed it on XX/XX/XXXX Wednesday. A representative said give a day or two to fix it. I called back on Friday XXXX but the person said call back on Monday. 

I called back on Monday XXXX and the person said they ( reward point departments I guess ) will re-issue with corrected email address by today ( Monday ) or no later than Tuesday. 

I called back on Wednesday XXXX to get update information but the lady whose name is XXXX said it is duplicated requests and they will find out what happen and she told me call back later but didn't said specific time period. 

Finally, I called today Monday XXXX and spoke with representative, she said the case is closed because they already re-sent reward card with updated corrected email address on Monday XXXX. I told her that I have checked every Junk mails everyday not to miss reward card but I haven't gotten anything this point. She transferred phone call to higher position and the phone was hung up at the end. 

It seems like never ending processing. Over the last two weeks, I have made few more phone calls than I described in this statement. I have saved reward point for a year to use them for my kids XXXX gift and now I don't know what I can do. I desperately ask a help. 

Please consider my case. 
Thank you Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-24
Company: Experian Information Solutions Inc.
State: CO
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: Problem getting your free annual credit report

Complaint:
Here I am again wasting my time writing you about the same problem that I wrote about last year. I am still forbidden to receiving my annual credit report. I sent these clowns all of my personal information and I still have not received anything. This time I will not send anything they demand of my ID, check stubs, bills, ABSOLUTELY NOTHING. If any of these people catch the Covid-19 virus, I will not send it even if it means there's a cure for it. I can not file anything regarding identity theft unless I pay for it. I AM NOT PAYING FOR ANYTHING. They caused many problems and they demand money for WHAT? 

Disputes are still not cleared up. I will not waste my time talking to anyone. I only deal with problems in writing. I am still wondering why the Federal government is still allowing these companies to operate without any strict regulations or oversite without any friends of any politician to monitor the problems that this agency has created and caused problems for the public. 

I DEMAND FULL COPIES OF MY CREDIT REPORT AND I DEMAND THEM NOW. I DEMAND TO PRINT THEM OUT AND I DEMAND THEM NOW. I WILL NOT TALK TO ANYONE VERBALLY AND I WILL NOT SUBMIT MY PERSONAL DOCUMENTS TO THEM NOW AND NEVER.

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 2023-04-02
Company: EQUIFAX, INC.
State: NY
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:
There are two hard inquiries on my Equifax credit report, and I have asked for them to be removed on the bases of verification that have not been received By fcra section 609 ( a ) ( 1 ) There are two hard inquiries on my Equifax credit report, and I have asked for them to be removed on the bases of verification that have not been received By fcra section 609 ( a ) ( 1 ) ( a ) It's not my as look at in the last two years with Equfax mistakes on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I didn't have medical insurance when I visited the ER and had no job and person who called threatened to damage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have attached emails that I am receiving from National Credit Adjusters saying I got a payday loan in XX/XX/XXXX from XXXX XXXX. I was unemployed and could not have possibly done this as you have to show income. They also have my checking account number with NCSECU that I opened XX/XX/XXXX. 

I had a payday loan in XXXX with a company I believe was XXXX XXXX XXXX. This was paid using an account I had with XXXX at that time when I live in XXXX XXXX. 

I am now residing in XXXX as of XXXX, XXXX. 

As you will read, the emails are very threatening and the amounts I am being asked to pay are extremely high. I feel violated that this company is harrassing me and knows my checking account information. 

Do I have any rights and how do I stop them?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I froze my account with all three credit bureaus a few years ago. I got confirmation and 10 digit pin numbers that I was told would be needed to unfreeze. Last week I needed to unfreeze and went to the respective websites. Only the XXXX site directs you to where you need to be to unfreeze. Neither Experian nor XXXX website indicated anywhere how to unfreeze. I XXXX how to un freeze and discovered that you have to go to " XXXX '' or " experian.com/freeze '' to be able to unfreeze. It should not be this hard to find the appropriate place to unfreeze or for that matter to freeze. BTW, none of the bureaus requested the 10 digit pin number that a had previously been sent 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 2023-04-20
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately. 
XX/XX/23 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 2018-02-20
Company: Mobiloans, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by XXXX XXXX XXXX, XXXX attempting to collect a payday loan debt on behalf of Mobiloans. I was told the amount I owed was {$8000.00} during the call the collector after only me saying yes to my name and date of birth which he gave out mentioned my employer, names of family members and complete social security number. 

I do not believe this debt is mine. I do not believe the loan was from a legally licensed lender in the State of  Oklahoma and do not understand how such a collector has and is willing to give out my personal information. I have already disputed this information with XXXX XXXX XXXX, XXXX previously. 

I have requested the lender cease and desist all phone contact with myself, any assumed references and my employer. I have requested validation of the debt, calculation of the amounted owed which was stated as {$8000.00} and the license of the collector original lender validation of the collectors ownership of this presumed debt. I was also threatened with a lawsuit and when inquiring about the jurisdiction was not provided the information.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I called after depositing a check from an individual I believed to be real & didnt google the address where the check came from before depositing it. I checked to find it was a property for sale & not a location for the business name provided, which I did XXXX spoke to a chase bank representative worried about the check & asked to have it stop to have her sound very annoyed and explain I would need to call back tomorrow to another department and that there was no way she could put a flag on the deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-07
Company: Experian Information Solutions 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 REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
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:
I contacted this company on XX/XX/2021 regarding an issue about something on my credit they have lied and stated they have no knowledge they can't respond when i am a customer and a consumer regarding this issue. They have 3 hard inquiries on my credit report since XX/XX/2021..XXXX XXXX XXXX , XXXX XXXX, and XXXX XXXX XXXX XXXX. I have not authorized my credit to be run by any of those companies what so ever. And so disappointed that i have to contact you'll daily in order to get a resolution. I had filed a identity. Complaint and was also told that if it is unauthorized this hard inquiries can be removed. And now they don't want to respond lying and saying im not the owner of the account when clearly my name is XXXX XXXX XXXX. They are just tired of the complaints that i have submitted which they wouldn't have to worry about this issue if they would just fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Experian Information Solutions Inc.
State: MI
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:
Chapter XXXX Bankruptcy XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX   {$28000.00} XX/XX/XXXX XXXX XXXX - XXXX   {$570.00} XX/XX/XXXX XXXX XXXX   XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} XX/XX/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 2020-05-24
Company: EQUIFAX, INC.
State: CO
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: Problem getting your free annual credit report

Complaint:
Here I am again wasting my time writing you about the same problem that I wrote about last year. I am still forbidden to receiving my annual credit report. I sent these clowns all of my personal information and I still have not received anything. This time I will not send anything they demand of my ID, check stubs, bills, ABSOLUTELY NOTHING. If any of these people catch the Covid-19 virus, I will not send it even if it means there's a cure for it. I can not file anything regarding identity theft unless I pay for it. I AM NOT PAYING FOR ANYTHING. They caused many problems and they demand money for WHAT? 

Disputes are still not cleared up. I will not waste my time talking to anyone. I only deal with problems in writing. I am still wondering why the Federal government is still allowing these companies to operate without any strict regulations or oversite without any friends of any politician to monitor the problems that this agency has created and caused problems for the public. 

I DEMAND FULL COPIES OF MY CREDIT REPORT AND I DEMAND THEM NOW. I DEMAND TO PRINT THEM OUT AND I DEMAND THEM NOW. I WILL NOT TALK TO ANYONE VERBALLY AND I WILL NOT SUBMIT MY PERSONAL DOCUMENTS TO THEM NOW AND NEVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX  are reporting incorrectly that I am an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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: Was not notified of investigation status or results

Complaint:
Hello, please see documents attached for more details. I hope you can help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Their investigation did not fix an error on your report

Complaint:
This delinquent account record is inaccurate because my payment was made on time but the rep recorded the wrong banking information causing my check to be invalid. I have never missed any payments. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
Sent a letter in XX/XX/XXXX to XXXX no response filed with CFPB ( complaint attached ) The company states in the first part of report they are not the company then I responded to the response sending back up ( attached ) where they are reporting, the company sends a response they will send back up to verify the debt they are referring to " insurance '' which I have no idea .... they responded to this in XX/XX/XXXX. 
Still have not rec 'd back up. pulled my report and they are still reporting. 
Not sure how in one report they company can state that is not there debt, then go on to say oh yes this is and its from XXXX an insurance that was cancelled. But no send back up but continue to report monthly ( attached ) from XXXX XXXX. 

I want this removed from my credit report immediately clearly the company does not have proper back up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: VALLEY NATIONAL BANCORP
State: FL
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:
XXXX XXXX XXXX made unauthorized debits from bank account from XXXX XXXX to XXXX XXXX for a total amount of {$31000.00}. The bank was notified and requested immediate investigation and action, to stop this company to withdraw/debit money from account, and immediately close account and associated debit card. XXXX XXXX XXXX company was notified of the unauthorized multiple debits from bank account and to stop withdrawing money from this account ; and to refund immediately the total amount of {$31000.00} for unauthorized debits to bank account performed by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-12
Company: CITIBANK, N.A.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
CITI credit card will not remove pending charges even after a three way call from XXXX that put three charges on card that was not autorized. It was CITI request to do three way calling they claimed that my card was a gift card and not a secured card? I am stuck paying XXXX due to false charges.

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 2020-07-07
Company: Experian Information Solutions Inc.
State: AR
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX XXXX {$3000.00} DEPT OF ED/XXXX XXXX {$3000.00} DEPT OF ED/XXXX XXXX {$3000.00}

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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX XXXX {$3000.00} DEPT OF ED/XXXX/XXXX XXXX {$3000.00} DEPT OF ED/XXXX/XXXX XXXX {$3000.00}

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 2021-02-09
Company: Total Card, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
payment was made on the weekend. i went to the credit card website to make a payment as i went to the site to make the payment with my checking account it was declined. so i used my debit card. the next day i noticed that there was two transactions it was XXXX that the original payment with checking was processed. i called the bank where my checking account is held who advised that the credit card company would need to be on the line to fix this issue. when contacting the credit card company the agents stated that they were not able or unqualified to assist with this issue and continued to refused to provide bank with the information required to fix this charge and stated that there was " nothing '' they could do on their end. never seen as much so i advised to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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: Account status incorrect

Complaint:
Please note, this is a not a duplicate complaint, and I am not using any third party for this matter, I represent myself by myself. I pulled up my credit report from Equifax - report and that report is showing my account in a late payment - XXXX XXXX  - date opened XX/XX/XXXX. This account is closed and paid, NEVER LATE. I have a proof of payment in XX/XX/XXXX, that payment went from my bank account to XXXX XXXX XXXX, I have attached a copy of my bank statement to this complaint, please note, that ONLY EQUIFAX has reported this account in delinquency, I WAS NEVER LATE ON THIS PAYMENT.

Company response to consumer: Closed with explanation