BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On about XX/XX/XXXX I ordered a small what I believed to be XXXX returns pallet from XXXX  that led me to believe they were a us company moany shipping from Tennessee. A few days later I still had no tracking number so I looked up the alleged address of shipment. It belonged to a legitimate company who does sell pallets of goods but stated they were not affiliated with XXXX  and that they already had notified XXXX, the authorities and the fbi for fraud. I contacted chase and filed a dispute. After a couple of weeks they reversed the XXXX claiming the merchant from XXXX provided a tracking and delivery. They never contacted me to dispute what was shipped. I received a small white bag with 2 knockoff drill bits. I contacted chase on XX/XX/16 to ask why it was reversed and they stated because they provided tracking and delivery nothing else mattered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: World Acceptance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
This loan was opened by someone other than me I was a victim of fraud and they refuse to remove it from my credit and also theyre adding interest on the loan which isnt mine.

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 2020-03-02
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Purchased a Refrigerator online at Lowes during their XXXX XXXX   Pre-Sale. 

Chose the interest free option, I believe for 12 months. 

Lowes is charging me interest They say that I caught this too late and therefore they do not have to fix the issue

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 2023-11-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/XXXX i submitted disputes to XXXX for reporting the wrong addresses on my credit profile, I've Called and sent letters on XXXX XXXX to have these items updated and they are still reporting in accurate information on my credit report. They are also reporting misspelled names.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX  was paid in full but still reporting on my credit report as charge off. And not a paid charge off. I have two complaint numbers still reporting the in correct information. XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
In XX/XX/2018, Capital One put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end when I disputed the issue with a manager over the phone. They also failed to notify me that my payment was past due. I never got a call or an email reminding me that my payment was past due. 

More detailed explanations ( please see attached photos ) - On XX/XX/2018 my payment of {$100.00} was returned so I made a payment of {$100.00} on XX/XX/2018. 
- In XX/XX/2018, my auto-pay did not go through and Capital One charged me a {$25.00} past-due fee on XX/XX/2018. I called them on XX/XX/2018 to make a payment of {$210.00} to bring my account to good standing. Capital One acknowledged there was an issue with auto-pay on their end and waived the {$25.00} fee that they charged me on XX/XX/2018. They also said that my account was in good standing and there was no late payment due reported. 

They said they were going to fix it and submit the removal but they never did. It is still showed up on the two other bureaus and has greatly lowered my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX  Dispute Department Experian XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items soon as possible. 


Fraudulent Accounts XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I don't know where this came from. I have been using XXXX for the last ten years. This is some new report from XXXX. I researched that it is an internet provider. I have not ever used this service before. This is the result of identity theft obviously. I will not be paying this as it is not my debt. It needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I deposited a check for {$300.00} dollars to my chime account. It cleared and right after I got an emails saying my account is closed. I cant log in, and they wont let you speak to someone you can only email. 

Ive been emailing them 2 days now no one is responding anymore because they cant explain why my account was closed. I was also paid 2 days before that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I disputed the inaccurate account and they keep verifying that it is accurate when all actuality it is not. This account should be closed and should have a zero balance. This account was transferred to another servicer. The attached reports were all ran on XXXX. I want this account removed immediately per FCRA 15 USC 1681e ( b ) : Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The credit bureaus and XXXX are both reporting inaccurate information and i want the account removed from all consumer reporting agencies and files.

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 2023-09-14
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I submitted documentation of federal protections for severe human trafficking victims. I was told I needed more supporting documentation. As a US citizen, I am entitled to protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I disagree with your choice to deny my allegation of identity theft. Why do you have the right to determine whether or not I am a victim? You have neither the authority nor the legal basis to make such a decision. If you don't agree to my claim, I'll get help from my lawyer to take this matter to court. I must stress that my identity theft claim complies with all legal requirements. As required by law, I have turned in an official report to a government agency. Together, let 's work to find a solution to this problem in the allotted five days. XXXX XXXX I want to be very clear that I will not stand by and allow this egregious injustice to continue. You will pay a price if you continue to reject my legitimate claim. I have no qualms about consulting with my lawyer and seeking a court order to address this ridiculous circumstance. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. My frustration and anger are beyond measure, and I am resolved to see this blatant injustice rectified. The law is on my side, and I will not rest until justice is served. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: LJ Ross Associates
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: Account information incorrect

Complaint:
LJ ross put something from XXXX XXXX on my credit report without validating the debt. XXXX  is not able to put anything on my report without going through the court due to a previous dispute. But at this time I do not owe anything to XXXX XXXX and LJ ross failed to respond to me in a timely matter and is thus reporting inaccurate data on my credit reporting preventing me from getting a home. Thus I will be looking at taking the next step in legal action against both parties.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
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: Account information incorrect

Complaint:
XXXX XXXX put something from XXXX XXXX on my credit report without validating the debt. XXXX is not able to put anything on my report without going through the court due to a previous dispute. But at this time I do not owe anything to XXXX XXXX and XXXX XXXX failed to respond to me in a timely matter and is thus reporting inaccurate data on my credit reporting preventing me from getting a home. Thus I will be looking at taking the next step in legal action against both parties.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX Balance Owed : {$230.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6600.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: FL
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:
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 consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation : XXXX XXXX  to be removed XXXX XXXX XXXX XXXX XXXX  these accounts were fraudulently opened and charges were made that i was not aware of, i was also threatened by the criminals to do certain things i did not want too. the companies will not remove the charges and holding me responsible. the fbi was contacted and police report filed. Experian, XXXX and XXXX are hindering my credit the accounts numbers do not match, date opened, payment amounts, there are a lot of discrepencies.

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 2022-09-22
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed there are still items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each items are XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2019-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 sent a dispute letter to TransUnion XX/XX/2019. The USPS Certified Mail dispute letter was delivered and signed for on XX/XX/2019. TransUnion has not responded to the dispute or acknowledge that the dispute is being investigated. According to the FCRP, the bureau ( s ) have 30 days to respond to a dispute, and it's been past the 30 days.

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 2017-11-16
Company: Cottonwood Financial Ltd.
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CAS STORE ALOTTED ME A LOAN IN XXXX, I THOUGHT I PAIA IN FULL THE BALANCE! 

CASH STORE SOLD THE DEBT TO XXXX XXXX XXXX IN XX/XX/XXXX AFTER SOL EXPIRED IN ILLINOIS. 
ALSO WENT ON MY CREDIT REPORT W/O VALIDATION AND CALLED MY DAD 11 TIMES OVER 45 DAYS.. 

THE COLLECTOR VIOLATED FCRA, FDCPA AND TCPA ALONG WTH COLLECTING ON A ZOMBIE DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I am writing to lodge a formal and grave complaint against Waypoint Resource Group , LLC, pertaining to their ongoing and egregious violations of the Fair Debt Collection Practices Act ( FDCPA ), particularly in their handling of a debt they allege I owe. My attempts to resolve this matter have been met with a blatant disregard for legal protocols and consumer rights. Despite my proactive and legally substantiated efforts to dispute this debt, including sending certified letters on XX/XX/XXXX and XX/XX/2023, and a subsequent letter on XX/XX/2023, Waypoint Resource Group , LLC, in conjunction with XXXX XXXX, has failed to provide any form of legitimate debt validation. This is a clear violation of the FDCPA, which mandates that debt collection agencies must cease collection activities until they can verify the debt once it is disputed. Instead of complying with these legal obligations, Waypoint Resource Group , LLC has continued their collection attempts unabated, showing a complete and alarming disregard for federal laws designed to protect consumers. Their actions not only demonstrate an utter lack of due diligence and ethical conduct but also reflect a predatory approach towards debt collection. Such behavior is indicative of a systemic problem within the organization, which I believe warrants a thorough investigation by your office. The impact of this situation on my personal and financial well-being has been substantial, causing undue stress and concern. It is imperative that agencies like Waypoint Resource Group , LLC are held accountable for their actions to prevent such unscrupulous practices from harming other consumers. I urge the CFPB to take my complaint with the utmost seriousness and to consider stringent actions that might include thorough investigation, enforcement of penalties, and ensuring such practices are unequivocally rectified. It is crucial that this matter is not only resolved in my case but also that measures are taken to prevent similar occurrences in the future, thereby upholding the integrity of consumer rights and the efficacy of the FDCPA.

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