BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-02
Company: JPMORGAN CHASE & CO.
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:
My complaint is about JP Morgan Chase card service, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize an inquiry on my XXXX file by JP Morgan Chase Bank on XX/XX/2019. Please remove immediately. 

Jpmcb - Card Service Inquiry from XX/XX/2019 XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22
Company: Experian Information Solutions 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 recently found that I was the victim of identity theft/fraud/unauthorized use of my XXXX XXXX credit card accounts. I then obtained my credit reports and have found the following inaccurate information which I demand be immediately removed from my credit reports. 
Creditor : XXXX XXXX Account Numbers : XXXX Balance : {>= $1,000,000} Balance : {>= $1,000,000} Balance : $ Status : Past Due XXXX/XXXX/XXXX This information is inaccurate and false. These balances are the result of identity theft/fraud/unauthorized use of my XXXX XXXX credit card accounts. Upon realizing this I immediately contacted local law enforcement officials and they completed a police report. I have attached a copy of the police report from the XXXX XXXX Police Department XXXX XXXX XXXX for your review. XXXX XXXX has suggested you call him if needed at 717-274-Therefore, I demand that these accounts be removed from my credit immediately

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 2019-09-24
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The last time I had cable was back in early XXXX and to be honestly I remember sending last payment and returning equipment. Opened date shows as " XX/XX/XXXX '' when even if it defaulted the date should show sometime in early XXXX. I have disputed and asked for proof but they came back and stated " meets FCRA requirements '' with no proof. I'm not sure if this was a result of some type of identity theft or what?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: NATIONWIDE ACCEPTANCE LLC
State: IN
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 identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my XXXX report. I demand that these items be removed immediately. 

XXXX XXXX XXXX NATIONWIDE CASSEL LLC   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 2017-11-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Contacted several representatives via telephone and emails because of the financial hardship I am experiencing to pay the minimum balance on my account since Hurricane XXXX. I requested a deferment on my payments until XXXX 2018 and have not received a response.

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 2019-09-24
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: Information is missing that should be on the report

Complaint:
I spent hours on the phone with all 3 bureaus today and that gets you no where. All 3 bureaus are intentionally withholding or suppressing information from my credit file on purpose to keep my score from going up. They MUST BE STOPPED. 

My cousin in Florida added me to his XXXX account as an AUTHORIZED USER and here is the proof that the bureaus are lying. I have a credit monitoring service and last week and over the weekend I got an alert that a new address had been added to my file which is my cousins address and the address on his credit card. The bureaus each told me today that XXXX had not reported anything to them, but they are liars because if that were the case then the address would not have been reported. 

The bureaus are refusing to report a perfectly good tradeline to my credit file because they are intentionally trying to hold my credit score down or they are XXXX off that I have warned them that I will file complaints on a weekly basis to hold them accountable for the laws that they are breaking. There evil, law breaking ways need to be corrected. They need to be investigated and fine heavily for what they are doing. 

My cousin and I just called XXXX and they provided me 100 % proof that they have reported the tradeline to all 3 bureaus but the bureaus are refusing to report it. I want them fined and I want that trade line posted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: EQUIFAX, INC.
State: TN
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 reported to XXXX to investigate 2 hard inquiries on my Equifax and XXXX  credit report and they found that the inquiries were to be removed since XX/XX/2017. XXXX and I have fax and mailed numerous letters to remove credit inquiries ie XXXX ( XXXX XXXX  ), XXXX ( XXXX XXXX  XXXX ) and I have not get any results from any of the Credit Bureau and its becoming frustrated that these inquires has impacted my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
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:
Last XX/XX/2018, I sent this credit bureau a letter declaring that I am a victim of Identity Theft and that accounts were opened under my name fraudulently. I attached a copy of my IDs and my FTC report to my letter I faxed to this company and requested XXXX XXXX account XXXX to removed and block on my credit report. I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. It has been more than 4 days when this credit bureau received these documents and still, they showed their negligence and non-compliance by ignoring my lawful request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: DISCOVER BANK
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:
I was notified that there were two past due {$15.00} charges on my Discover Card. I haven't used that card since XX/XX/2017. 

I tried to login to the Discover website and learned that my account had been compromised, and my login information and phone number had been changed. 

I reported the fraud to Discover and they issued me a new card, but as of yet they have not removed the fraudulent charges. This shows up as past due on my credit and it has brought my score down by 70 points. 

I have tried resolving this 4 times over the past two weeks. They shuffle me to different people each time, but no one has removed the charges as of yet. Just now I called again and was told that their supervisor was in a meeting and may call me back later today. If not, I should try again in a few days. 

Discover isn't doing anything to resolve this issue of fraud and I'm frustrated with the back-and-forth nature of being passed around during phone calls. They already established that someone fraudulently accessed my account. It shouldn't be this complicated or time consuming to get the charges removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-02
Company: U.S. BANCORP
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had a credit card with US Bank. The credit card was opened XX/XX/XXXX and closed on XX/XX/XXXX. I no longer have the card. It says i owe {$290.00} on it and it was charged off. I keep having a derogatory 30 day late payment on my credit report every month up to the current date of XX/XX/XXXX even though the account was closed on XX/XX/XXXX. I've contacted the bank and their credit card services the see how I can resolve this but no one can find my account or how if I have a balance how to pay it so this will stop. Ive have not received any letters or bills stating an amount owed they just keep posting it to 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 2017-11-22
Company: CITIBANK, N.A.
State: PA
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 customer service

Complaint:
This is an ongoing problem for which I have complained many times to the company, to no avail. I use a XXXX service ( virtual private network ) to surf the internet, especially for financial translations, like credit cards or online banking. I do not connect to the internet via wi-fi. For all my other online credit card access ( at least 7 other credit cards ), I am able to log into and check my accounts with no problems. I only have a login problem with Citibank. I get a " temporarily down '' error message. The customer service reps say that 's a generic message. On XXXX/XXXX/XXXX, I sent their technical team an email with a screen shot of the error message which also shows that their site is considered a " trusted site '' by my ad blocking software, but they have not responded. I simply do n't understand why I have no problems logging into other credit card accounts using a XXXX, but not Citibank.

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 2019-09-24
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I purchased damaged grille on XX/XX/20 from an XXXX seller XXXX. This item didnt meet my expectations so looked up the listing and saw that seller accepts the returns and they were advertised as free. I send the request to return the item and received return label in the email. I shipped it back and waited another 2 weeks for refund. 
Unfortunately I got scammed by this seller. This seller didnt refund me fully. He refunded me only {$70.00} out of {$100.00} ( 100 plus tax ; so-in the end I paid tax on this return, tax on my money seller didnt give me back ). 
I disputed this twice on paypal. First time the dispute was not done correctly and the outcome was rejection due to seller already refunding ( but he refunded partially instead of fully ). Second time I received response form paypal that case is closed due to insufficient documents and inability to get them. Paypal never asked me for more documents and documents I submitted, disregarded ( it was picture of XXXX website stating that seller has to refund fully ). I contacted XXXX and they told me that if I didnt open case on pypal I would get full refund from XXXX. Another thing that makes me wonder id why paypal never refunded to the original payment source but to balance. To protect themselves? 

If paypal has no clue /ability or willingness to properly investigate then they should not manage others people finances. Who controls what they do and whether it is fair and legal? 
Since I was not able to resolve this issue with both companies. I decided I will ask my bank for help and asked for charge back. Hopefully it will not cause my account limitation or the seizing funds from sales I make. Who can I ask for help? Why paypal favors certain seller and dislikes others making decisions in their favor? 

I left this seller negative feedback to warn others that stated seller refunded XXXX out of XXXX and XXXX took this feedback down to protect this scammer. Why?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-09
Company: Lending Club Corp
State: MA
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:
Hi and how are you doing? Why is my process is taking longer than 60-90 days? I  understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
DEPT OF ED/XXXX HAVE SEVERAL ACCOUNTS LISTED ON MY CREDIT TRADELINES FROM DATE OPENED XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. THESE ACCOUNTS ARE ENTIRELY TOO OLD TO BE LISTED ON MY TRADELINES AND THEY WERE ALSO PAID OFF AND TRANSFERRED TO ANOTHER LENDER. THERE ARE MANY MULTIPLE ACCOUNTS LISTED WITH THE SAME ACCOUNT NUMBER. I HAVE DISPUTED THIS INFORMATION WITH XXXX, EXPERIAN AND XXXX WHO REFUSED TO REMOVE THESE ACCOUNTS FROM MY TRADELINE. THEY ARE TOO OLD TO BE LISTED ON MY ACCOUNTS. I WILL CONTINUE TO REQUEST THAT THESE OLD ACCOUNTS BE REMOVED FROM MY TRADELINE.

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 2018-12-14
Company: ID Analytics, Inc.
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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX , Oh XXXX, XXXX XXXX XXXX XXXX XXXX  , oh XXXX, XXXX XXXX XXXX , oh XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , ohi XXXX XXXX XXXX XXXX, XXXX , oh XXXX, XXXX XXXX XXXX XXXX XXXX , ohio XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  , ohXXXX. 
Please remove the following numbers : 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 explanation
Consumer complaint received 2020-08-21
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive reached out to this company for the removal of a collection that was never owed. Ive never been under contract with the company and when I called they claimed that they could not even find the account, resulting in the removal of the collection from my credit report. The collection is now back on my credit report after being removed and negatively affecting my score, putting me and my family further behind during a worldwide pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: AR Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is regarding account you claim I owe {$660.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: EQUIFAX, INC.
State: DC
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:
Equifax did not take basic precautions when storing my personal and private information, and that information of 143 million others. Our private data had been exposed for nearly 4 months before the public was notified ( and it is criminal that the board knew within 20 days and made money of the process ), and to boot, Equifax 's site was not working correctly and was insecure when this was first information was first released. I have now had identity theft and am dealing with the aftermath of this breach ( and will for the rest of my life ), which is why I am submitting this formal complaint. This negligent behavior is vexatious and there needs to be a change with standard operating procedures with how credit cards are open and how identity is proven.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE FRAUDULENT ACCOUNT ON MY CREDIT REPORT WAS OPENED WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS WERE NOT MADE BY ME. THIS ACCOUNT WAS OPENED BACK IN 2014 ACCORDING M=TO MY CREDIT REPORT, BUT THIS ACCOUNT IS NOT MINE, THIS IS A FRAUDULENT ACCOUNT. I AM VICITM OF AN IDENTITY THEFT THE ACCOUNT AND THE CHARGES ARE NOT MINE. I NEED THIS TO BE REMOVED 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