BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-14
Company: EQUIFAX, 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:
Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
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:
I PULLED MY CREDIT TO MYSELF FOR THE FIRST TIME AND I HAVE DEROGATORY ITEMS THAT ARE NOT MINE. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE DELETED. PLEASE REMOVE THESE UNKNOWN ACCOUNTS FROM MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Payment is made on time each and every month and twice in two consecutive months and bank continues to charge me late fees each and every month. They will not reverse charges even though it has been paid and in good standing since opening the account.I believe they are purposely doing this to charge me an interest rate. The terms of the healthiplan was no interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have been trying to close my account with Paypal, but because there is a dispute open, I can not close it.

Twice in the last two months I have found that Paypal has cleaned out my checking account and maxxed my credit cards, to send money to woman that I do not know nor have I authorized the transfer. They take all my money and then say they will get back to me in 10 days. I have tried to call, but the computer does not let you get through,. I have emailed and faxed Paypal, but they dont read it. I continue to get emails back from Paypal that are completely unresponsive to the issue I have raised, or they send the same one over and over so you are just going around in a circle.

In XX/XX/XXXX, they sent {$1400.00} to some woman I did not know. It was refunded back to me, however, they must not have gotten it back from the woman, because a few months later they sent a bill collector after me to repay the {$1400.00}. 
Most recently, money was transferred to another woman from my checking account and credit cards. That money was returned but they continue to show this womans name on my account under Quick Send or Top Contacts. I have contacted them to remove any unauthorized names,, but they do not listen. 
The dispute that is open is left open from XX/XX/2018. It is shown as Being Reviewed by Paypal and Under Review. This is just an oversight ; it should have been closed along time ago, but Paypal does not read my emails. 
Once they have removed this dispute, I should be able to close my account. I trust them with all my money, yet they do not listen to me. I am not interested in working with a company who does not listen to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22
Company: EQUIFAX, 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 status incorrect

Complaint:
I had a XXXX XXXX Credit card back in 2016. I had it paid off yet the payment was not recorded. The account was then in collections for some time being mailed to the wrong address without my knowledge. I examined my credit report and noticed that it was in collections and charged off. The balance was very very low that was owed. I spoke with a representative over the phone and they informed me that if I paid the couple buck owed plus a fee then the negative marks will be removed. After I paid the fee and looked at my account I noticed the negative marks were still there. Also, I noticed that Equifax is still reporting my account as derogatory when it is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase closed my credit card and bank account for no reason other than I had overdrafted for a few days, I told them I would be having a couple large deposits ( XXXX and XXXX ) dollars coming in within the week at most. Now I have no idea how I can get the money out of that account. All of the reps on the phone gave me different answers. My credit score is going to be hit hard on this as well. Bank account was closed on the XXXX, credit card was closed on the XXXX of XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Exeter Finance Corp.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
EXETER FINANCIAL HAS SOLD THIS DEBT TO XXXX XXXX WHEN MY INSURANCE PAID EXETER FINANCIAL AND THEY ACCEPTED PAYMENT AS PAID IN FULL DO TO A TOTAL LOST OF THE VEHICLE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Chase keeps blocking my transactions on my credit card without my permission. I bought something online last night from amazon, chase blocked the transaction and didnt even bother to tell me about it until 5 hours later at 4 in the morning.

I have asked them so many times to disable this feature on my credit card because of the inconvenience it imposes on me. If I need to use my card in an emergency when I go on a road trip I dont want it getting blocked. It scares me to think about how they just arbitrarily pick and choose transactions to block for no good reason. 

Chase keeos ignoring my request to disable this feature. Asked them at least 5 times. 


Chase Fraud : Did you use card ending XXXX for {$12.00} at AMZN Mktp US on XX/XX/04? Reply YES or NO. Msg & data rates may apply. 

Chase : Thanks. The transaction wasn't completed. If you want to make the purchase with this card, have the merchant reprocess the transaction. 


Ive got 4 cards with chase I want this feature disabled on all 4 of my cards the chase freedom, chase XXXX, XXXX XXXX  XXXX and XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid to XXXX already and should not have been sent to collections. I confirmed with XXXX that my account has no pending charges and that I have paid in full. GLA Collection Company, IN, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, KY XXXX, reported falsely to XXXX that I have an account in collections. I filed a dispute and they lied to XXXX and said that the debt is being reported correctly. It is not being reported correctly. They did not investigate that this debt is not valid. They falsely claimed the debt is valid to XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 disputed a bankruptcy with all three bureaus multiple times. A bankruptcy is reporting on my credit report and these bureaus have not investigated with the reporting agency to verify this inaccurate information.

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 2020-07-04
Company: Collection Bureau Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a time bared debt as a resident of NC and still. The time bared debt period has long past the statue of limitations. This company continues to add XXXX $ per month, every month, to keep this debt active on the credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Experian Information Solutions Inc.
State: IN
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 am paying for Experian Boost. Im a single XXXX mother of XXXX son. We lost our home, small resume preparation business, our car due to the Pandemic. We have both been very ill with the virus. I realize it isnt pertinent to Experian but it is to us. I am trying to raise my credit score to buy a home. Experian is reporting as if they are connected to my checking account but due to a glitch they admitted via email is on their end, they are not connected. They are reporting my income as {$780.00} vs expenses of {$2600.00}. I have no idea where they came up that figure. I have no credit card or any debt except student loans that have been deferred for years. My debt ratio is about 4 %. Its really hard to get a live person on the toll free number and their reps say different things. One rep told me if I cancel my Experian membership it will lower my credit score. I get paid and pay my bills via my XXXX XXXX XXXX for my XXXX payments. Experian can not help me connect my XXXX XXXX card to their system. They also wont accept any verification of accounts for Experian Boost except auto pay. I can not email or mail verification of my utility bills. The other problem that causes is if I dont always pay my utilities consecutively with auto pay they only show the payments they see. Experian is my lowest credit score. Im paying for Boost and they are incorrectly gathering and reporting my information.

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 2018-09-13
Company: Experian Information Solutions Inc.
State: MI
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 disputed an inaccurate debt that is not mine on 4 different occassions with XXXX for $ XXXX.I have neverdonr any business with the company that XXXX is representing.

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 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

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 2021-07-08
Company: ERC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Ad Astra Recovery Services Inc
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Called friends and family members claiming the would call my work, and legal action would be taken if unspecified date was not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: AFNI INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I requested verification of the debt, and was not given it within 30 days. This debt is not mine, and I do not owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Did not received nitificatio. Of this debt going onto my credit report. Do not remember getting phone calls either. Would like to get this cleared up and deleted fro. My credit report.. i called and left several message.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I disputed a collection account from XXXX XXXX XXXX on Experian, XXXX and XXXX  credit reports. So far I have heard back from Experian stating that XXXX XXXX XXXX verified the information as correct and the item was not deleted. 

I have submitted two complaints against XXXX XXXX XXXX with regards to this account and in the first complaint they agreed to delete the item from my credit reports. 

However, this has not been the case. I am providing copies of the first complain with XXXX XXXX XXXX stating they will remove the account from my credits bureaus. 

I also asked Experian, XXXX  and XXXX to provide the means of the verification and the proof that was provided by XXXX XXXX XXXX. This information was not provided. They are just relying on XXXX XXXX XXXX word. Without proper evidence showing this account belongs to me ( which it does not ) this item must be removed.

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 2021-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
I was overcharged {$17.00} at a restaurant ( XXXX XXXX ) on XX/XX/2021 for a total of {$77.00}, the merchant refused to help me at the moment and pressured me into paying. I did not sign the receipt and put 'under duress ' on the receipt. 

I submitted a claim on XX/XX/2021 with BOA, that claim was denied recent for being in person and not proving I was overcharged. 

How can i prove that i was overcharged if the merchant did not want to help me? They would not give me a correct receipt and would not help me in person.

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 2021-07-08
Company: JPMORGAN CHASE & CO.
State: IL
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/XXXX I purchased product from XXXX for XXXX. 
When I received the product the following week it was missing key components to make the product work ( XXXX wires were missing ). 
XXXX originally was unresponsive to my emails, so I initiated a dispute with Chase. 
During this time XXXX responded to me and said they would send me the missing wires, so I cancelled my dispute. 
After waiting eight months for the wires and following up with them 10+ times I still never received the wires. I then told XXXX I would like everything refunded and they agreed. 
On XX/XX/XXXX XXXX picked up my items and they were delivered to XXXX later that week. Tracking numbers XXXX, XXXX, XXXX. 
On XX/XX/XXXX they emailed me saying the refund was fully refunded. I did not see the refund on my card. I continued to follow up because I still never got the refund. 
XX/XX/XXXX they send me a screenshot from their internal system claiming they have refunded me. I have attached the screenshot. 
Current - I still have not received my refund and Chase says it has been too long since the purchase to do a regular dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I refer to the attached TransUnion Investigation Results File # XXXX dated XX/XX/18. California Fed Court XXXX Docket # XXXX. See attachment 01. Also enclosed is Withdrawal/ Dismissal of case. See attachment 02.

Please note you do not have the authority to report this type of information as mandated by Law. The Law is clear, a Withdrawn and/or Dismissed Bankruptcy application is not a reportable case by the Credit Bureaus.

This is my final attempt to contact you regarding this issue. I would like to put on record should you refuse to remove this Withdrawn Bankruptcy report from your Credit Reporting data you are in direct violation of the following ; 1 ) Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1.

2 ) Title 15 U.S. Code 1681i, Paragraph 5.A To protect my interest, I reserve the right to file a lawsuit against you and claim all damages you have incurred as a result of this negligence.

Your response within 14 calendar days upon receipt of this letter is greatly appreciated.

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 2018-11-16
Company: Experian Information Solutions Inc.
State: TN
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 was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. Bankruptcy Chapter XXXX-dismissed, 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 2018-07-10
Company: Allied International Credit Corp., (US)
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter in the mail from Allied International Credit Corp. , ( US ) on behalf of XXXX stating I owed {$170.00}, and that it needed to be paid. The letter is dated XX/XX/18, {$170.00} is the said debt owed.

Company response to consumer: Closed with explanation