BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: JPMORGAN CHASE & CO.
State: PA
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:
A dispute was filed with Chase ( Chase Sapphire Reserve credit card ) on XX/XX/2020. The dispute was due to a travel cancellation by a travel merchant via e-mail on XX/XX/2020, prior to any travel restrictions or closed borders. This e-mail from the merchant states " rest assured you will get a full refund ''. Although I received a partial refund, a full refund was not received, thus my dispute in the amount of {$2700.00}, for services not received. After attempting to resolve this with the travel merchant with no success, the dispute was filed. Travel insurance claim was submitted for the XX/XX/2020, cancellation e-mail, and was refused. Travel insurance claim was submitted for a second time, using the " formal '' cancellation letter provided by the travel merchant dated XX/XX/2020, and was refused. ( I suspect the second letter was sent to forge the date of trip cancellation from XX/XX/2020, to XX/XX/2020, for insurance purposes. ) Chase Sapphire accepted this dispute on XX/XX/2020 and, despite five phone calls to them, the dispute is still pending, after 122 days. During this time, no one has contacted me to ask for additional information. On several phone calls, I have offered to provide backup detail to clarify details, but I was told if they needed it, they would contact me. No one has contacted me. The consistent inability to answer my questions and update me has been stunning, as well as my concern that no one wants any backup data as to why I filed this dispute. 

According to the Fair Credit Billing Act, the credit card company must investigate and report back to me in writing within two complete billing cycles or within 90 days. If the credit card company does not follow the law, they must cancel the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
when i try and file an online dispute equifax and XXXX  will not except dispute say they can not access report yet they are always reporting to credit lenders, both report my fios score as XXXX yet XXXX  reports XXXX fios, i have an exceptional payment history never a mark against my credit,12 open accounts,3 years or longer, i feel XXXX and equifax are mad about my disputes and have black balled  my account, please help look at my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$380.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$380.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: CITIBANK, N.A.
State: TX
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:
On XX/XX/2020 I purchased a flight and resort stay through XXXX  for the amount of {$3300.00}. It was then cancelled without a refund due to closing of the company on XX/XX/2020. I made a dispute through my citi bank credit card on XX/XX/2020 as advised by both XXXX and citi customer service. On XX/XX/2020 I received a denial of money due to being in merchants favor even though I did not receive my goods or services. I verified this through the airlines and resort on the date of XX/XX/2020 previous to taking further action in disputing through Citi cards. I also received an email verifying the cancelation on XX/XX/2020.

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2021-07-16
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
hard inquires made on XX/XX/2021 by XXXX Card and Citi Card/Citibank and I did not request or authorize these two inquires. It was not me applying for credit with these two credit card companies and want information removed from my credit report. Also, a Fraud Alert has been put on my 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 non-monetary relief
Consumer complaint received 2018-12-21
Company: JPMORGAN CHASE & CO.
State: NJ
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 was stolen on XX/XX/2018. The bank then noticed and notified me by phone stating if I authorized 6 transactions of {$500.00} totaling XXXX removed from checking and savings account from a local ATM. I adviced them that was not me and that when it was stolen I was not in that area and that my card was stolen, I did let them know what I did authorize. They re instated the stolen amount until the investigation is on going and they make a final decision. As of XX/XX/2018. They stated my claim was denied and the investigation is closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-16
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX received paper mail from XXXX XXXX for bill for {$2600.00} without details in my name. 

I assumed this was sent in error and disregarded. I have never had XXXX XXXX before or made any purchases or opened up any accounts with them XX/XX/2021 received mail from Debt collection agency " Receivables performance '' for collection of {$2600.00} in my name. 

Again disregarded as thought this was sent in error XX/XX/2021 received credit report update from XXXX mobile app that credit score had dropped about XXXX points and notice of a late payment with receivables performance for {$2600.00}. 

XX/XX/2021, called XXXX XXXX  to open fraud investigation and dispute. The representative stated he would escalate matter to higher management and there was concern that someone had opened up account for free phones worth {$2600.00}, and then closed account : appears to have been opened XX/XX/2021, and closed in XX/XX/2021. 

XX/XX/2021, awaiting reply from t mobile, reported fraud to credit agency 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 2017-08-09
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My debt with XXXX XXXX was {$150.00}, The night of my visit i paid {$4.00}, then after {$25.00}, subsequently I set up bill pay through my bank XXXX. making 4 payments of {$34.00} each, which total sum is $ {$160.00}, over paying XXXX XXXX by {$11.00}. XXXX XXXX had my XX/XX/XXXX payment missing from there record, they send the record they have to a collection agency, Namely XXXX XXXX. I contacted XXXX XXXX several time, sending them the correct info. but they  never get it fixed. I call XXXX XXXX, they told me that it will not fixed using my banks statement only has verification, i need to send copies of the check from bill pay, so i when and get hard copy of the check and send it to XXXX XXXX, but neither XXXX XXXX nor XXXX XXXX never contacted me. all that was done, was that the amount they had on file saying i owed was reduce to {$39.00}. I was denied credit because of this

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 2018-05-04
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017, this debt for $ XXXXappeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: Specialized Loan Servicing Holdings LLC
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:
Specialized Loan Servicing LLC has incorrectly reported a higher current balance on the mortgage three times in the past four months. After I filed disputes to the credit bureaus they corrected the reported balance to the correct, actual balance. On XXXX XX/XX/2021 they corrected this information. Then again on XXXX XX/XX/2021 they corrected it. And now as of XXXX XX/XX/2021 they are again reporting a balance that is {$12000.00} higher than the actual current balance. Three times makes a pattern, and I am concerned that the company is taking retaliatory steps to try and hurt my credit rating because I am currently in forbearance due to COVID impacts on my employment. If not, then at the least this demonstrates poor practice with handling sensitive consumer data.

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 2018-05-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine. " PUBLIC RECORD U.S. BANKRUPTCY COURT ''

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 2018-12-21
Company: EQUIFAX, INC.
State: OH
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 seperate 2 certified letters of demand to all three credit reporting agency asking to provide me with validation that the charge off accounts that they are reporting does belong to me. Upon receiving my first certified letters requesting validation, all three agency responded back saying that they have validated the debt as belonging to me, but they never provided me with proof of their validation. I then sent out a second set of certified letters, again to all three reporting agencies asking for proof of validation. Again, i was only told that the debt was validated as belonging to me. Again, no proof was provided. I asked for signed contracts, but they are unable to provide me with any proof. The charge off account still remains on 3 reports. 

The accounts that I need validation for are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Provided are the delivery confirmation for the certified letters that was sent to the reporting agencies : XXXX  : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) Equifax : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX XXXX XXXX XXXX XXXX ( sen6 XX/XX/18 ) I would like these account DELETED from my report or the debt validated as mine and proof sent to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Experian Information Solutions Inc.
State: FL
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 have tried to rectify this 2 other times : In accordance with the Fair Credit Reporting Act Section 609, Section 611 and Section 604, I am requesting that you DELETE the following INQUIRIES as I DID NOT authorize them : INQUIRY XXXX XX/XX/2018, INQUIRY XXXX XX/XX/2018, INQUIRY XXXX XXXX XXXX XX/XX/2018 Furthermore, In accordance with the FCRA, I request A detailed explanation on how you conducted your investigation, the names and addresses of the businesses you received your information from in relation to the investigation. I request all of this information within 30 days. Also, I would like a corrected copy of 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 2020-06-29
Company: CITIBANK, N.A.
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
XX/XX/XXXX - {$1400.00} purchase with XXXX XXXX XXXX on CitiBank Credit Card. The cruise was cancelled by XXXX XXXX because of HURRICANE IRMA. A Future Cruise Credit was provided per company policy. A new cruise was selected for XX/XX/XXXX. 

XX/XX/XXXX - The scheduled cruise was cancelled for COVID-19. 

XX/XX/XXXX - XXXX XXXX sends an email allowing Future Cruise Credits OR FULL REFUND promised to be delivered on XX/XX/XXXX. The application for a FULL REFUND was submitted the same day on XX/XX/XXXX. 

XX/XX/XXXX - XXXX XXXX does not issue the refund. A dispute is filed with CitiBank to get a refund for the XX/XX/XXXX ticket. 

XX/XX/XXXX - CitiBank rejects the dispute and charges the account for ANOTHER {$1400.00} instead of providing the return. There is now a total of {$2800.00}.

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 2021-07-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I spoke with a rep at Equifax who couldn't help me with getting the unauthorized and incorrect items below removed. 

1. The inquiry was not authorized XXXX  XXXX Inquired on XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Inquired on XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Inquired on XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX on XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Synovus Bank
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had issues with First Progress sending me statements. This issue dates back at least 18 months. This has caused two issues ( described below ). 
1. They have reported missed payments against my credit score in the past. I reached a supposed resolution with a customer service agent in their company who told me to fill out a form that i think is called the Goodwill Letter and mail it in to the credit card company. I was told that with my other good payments that they would go back to the few missed payments and erase that off of credit file, thus removing the negative remark on my credit. I mailed these papers to them 4-5 months ago and they still have not reached out to me OR removed the negative remarks on my credit. 
2. I was recently ( last 30 days ) given another negative remark on my credit for missing a payment. I have not been using the card to purchase anything so i knew i wouldn't have a balance to pay. I was doing this because i am still NOT receiving bills from them letting me know what my balance is. I can only speculate that the amount due is an admin charge ( i am speculating because i can not get in touch of them, see below ). I would love to be informed on what i owe, but they aren't sending me my bills and they aren't ' answering their phones and now they are damaging my credit that I have been repairing for the last two years. 
3. They aren't answering my calls. I have called First Progress once a day every Monday, Tuesday, Wednesday, Thursday, and Friday since XX/XX/XXXX at different times each day. Each time i call i am greeted with a recording that tells me that their call volume is high right now due to COVID they have less employees available. Unfortunately, the option to stay on hold and wait is not available as the automated system hangs up on me automatically after delivering the automated message. I understand COVID is a concern right now, at the same time i can't get ahold of anyone to help me resolve my issues or even shed any light on them. 

I want all of my negative remarks from this company on all three of my bureaus removed immediately. I want to pay them what i owe them so long as these are justified charges. After all of this i want to cancel my card with this company. I can no longer trust them to treat me correctly.

Company response to consumer: Closed with explanation