BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-27
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:
I have accounts on my credit report that don't have anything to do with me. I dont understand this. Also its states that I missed a {$0.00} payment, although I clearly owed {$0.00} at the time, and never missed a payment. This error in my credit report has dropped my score so low since this, I can not get a car loan, home loan, not even a credit card!

Fraudulent Accounts : - NO NAME - Account # XXXX - XX/XX/XXXX - {$1200.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$780.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX -  {$1200.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$360.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX -  {$780.00} - ( SHOWS UP TWICE ) XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$780.00} - XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} - XXXX XXXX XXXXXXXX   - XXXX - XX/XX/XXXX - {$360.00} Incorrect Payment History - XXXX XXXX XXXX - XXXX - XX/XX/XXXX .- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: WELLS FARGO & COMPANY
State: LA
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 have several late payments that are reporting on my consumer report, that indeed I know for a fact was not late, my husband and I got a letter in the mail from XXXX XXXX XXXX stating their were a payment processing errors for certain months and they would contact the credit bureau 's to update those derogatory payments, but it has not been updated yet. The late payments that needs corrected are : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XX/XX/2021, I received a letter from the Department of Education ( SEE ATTACHMENT ) stating I'm discharged from my student loans. It also stated that they contacted the credit bureaus to remove the discharged student loans off of my credit report, which still hasn't been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: EQUIFAX, INC.
State: NC
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 first contacted Equifax XX/XX/XXXX to let them know there was an account being inaccurately reported by XXXX on my credit report. I contacted XXXX at the address provided on the Equifax credit report to let XXXX know that the account did not belong to me. The letter was returned to me as the address reported on the Equifax credit report was incorrect. I then contacted Equifax and asked Equifax to remove the XXXX line item since the item was inaccurate. Equifax response was the line item from XXXX showing late payments in the months of XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX were verified as correct. As you can see from the attached, the address that Equifax is reporting on my credit report is the address where I sent the letter. I would like Equifax to remove this item immediately as I stated in my letter my letter to them in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had 10 fraudulent transactions hit my account with Jp Morgan chase bank starting on XX/XX/2019 for just under XXXX. Chase Claim # XXXX 2 came thru on the same day for XXXX and for XXXX. The bank put all the monies back in our account. The bank then sent us some forms that needed to be signed and sent back to them by fax or mail. We decided to send them back by fax. I sent from my place of business and my wife also sent from her work place, we assumed everything was handled. Then I got a call from JP Morgan chase telling me that they were missing one of the forms and needed me to sign form this was a month or so after the fact. So i asked the person to resend the paper work It took about 8 days to receive the document in question I signed it and took it to the bank Chase bank local branch and had them fax it to there fraud dept. XXXX was the bank rep i spoke with also spoke XXXX XXXX 2 times. 
There again figured it was handled. Then I got a letter telling me that the XXXX charge was handled. Next day i got a notice telling me that the XXXX would be debted on XX/XX/2019 because XXXX XXXX XXXX XXXX XXXX would not refund the monies because we ran out of time. XXXX and XXXX XXXX Escalated the problem and told me to keep calling the 800 # to see if they were going to return the monies I feel like i was getting the run around So at this point i am out the XXXX Chase bank branch could not help me any more so I told XXXX @ XXXX XXXX XXXX XXXX, Ca I was going to file complaints with CFPB, Federal reserve consumer help, and Controller of the currency. 
I was told that someone would be contacting me in 48 to 72 hours that didn't happen so I have chosen to file a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-23
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My wife and I have checking accounts with Citibank. The accounts are in the name of our living trust, for which my wife and I are trustees.

Citibank has requested much personal information and told us our accounts will be blocked if we don't provide the information. The bank said that the Dodd Frank Act and the Patriot Act require the information, but did not refer us to any particular part of the Acts.

The information requested is : Please provide name and address of creator of the trust? ( Attorneys information ) Purpose of the trust? ( Most of the time in CA this is asset protection and to avoid probate ) Please provide net worth of the trust? ( excluding property, so just monetary amounts ) Please provide date of trust formation?

Please provide your address?

Please provide the trust agreement/certification : ( If you dont have the trust agreement/certification you can provide the first couple pages of the trust and signatory pages would work ) Please provide for all trustees employement information : Employer Name : Employer Address Employer Phone Occupation : Employment Start Year : Annual Compensation : Net Worth for each Trustee : Does federal law require banks to collect all this 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 2019-09-16
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:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

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 2021-07-20
Company: JPMORGAN CHASE & CO.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted credit bureaus and also Portfolio in both XXXX and XXXX disputing a debt that appeared on my credit report. 

I asked for validation of the debt, because I believe it to be identity theft. I lived with a woman in XXXX that had access to my mail and could have lent to any charges. I already had illegal accounts made by XXXX XXXX as well, with XXXX. 

I received notices from Portfolio without any proof of ownership, including statements, original ownership of account information, contracts, etc. 

I have gone through this multiple times now, and they refuse to delete from the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
THIS IS MY THIRD COMPLAINT AGAINST XXXX XXXX FOR ALLOWING IDENTITY THEFT. 
IN XX/XX/2013 a XXXX XXXX Credit Card appeared on all 3 credit reports in the amount of {$7700.00}. 
See my response to the most recent complaint. 
XXXX XXXX mailed yet another letter requesting me to spend money on mailing them data. 
I will not spend one more dime mailing this corrupt, fraudster bank anything. 
IN order to close this complaint and stop me from writing every day if I have to they need to have mailed to me via email copies of CLEAN credit reports from all 3 agencies. They have been provided addresses and ssn info to clear up this matter and they continue to play cat and mouse about getting a XXXX XXXX XXXX XXXX credit card off of my credit report in the amount of {$7700.00}. 
I am so furious about this I can not see. 
I noted this error in XX/XX/2013 and complained then. I have written from XXXX spending money I should not have had to spend. Sure, one can say well it's a small amount. NO AMOUNT IS SMALL when you are dealing with a corrupt financial institution who has been fined and cited by the US Government for numerous laws broken - in my case, it is indentity theft, a credit card, and {$7700.00}, and finally failure by XXXX XXXX to take the necessary action in removing the {$7700.00} and providing to me copies of my credit reports. 
Again, I will write every week if necessary and I will only deal with XXXX XXXX through this site. No more letter writing or trying to deal directly with XXXX XXXX liars. I know - you are far too sophisticated to use the word lie - but you are big fat liars. 
Send me clean copies of my credit report NOW. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Comerica
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
At approximately XX/XX/2018 XXXX an online purchase was made from my account in the amount of XXXX to XXXX, XXXX XXXX, IL. I Immediately called the company ( approx. six hours after the charge was made ) to cancel my card. Told them there was a fraudulent charge and I'd like to dispute it. They told me to call back in 5 days. I called back in 5 days, 3x that day couldn't get through twice ( was effectively hung up on ) The third try yielded " I'm sorry our systems are down ''. The following evening I finally spoke to a supervisor after countless hours of trying to who asked me a litany of questions regarding my card. They then stated I could wait until they mail me the paperwork or I could fax my own dispute in writing, which I did in triplicate within the hour. Couldn't get a hold of the company for another two days. When I did they told me they had received the fax and everything appears to be in order and the investigation was ongoing. This was 12 days ago when this all started. I have not been able to contact anyone further at the company that can tell me anything and they have not provisionally credited my account, money which they know that I need.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-24
Company: SYNCHRONY FINANCIAL
State: NC
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 purchased makeup products online, advertised new and unused ( I have copy of original listing ). Once received, the products were fake and used, after doing some research online, this is a common scam. So I contacted the seller and requested to return the items and get a refund. They refused. Since I had paid via Paypal, I issued a dispute.

Here 's the confusing part, Paypal instructed me to return the items and provide the tracking information and they would issue a refund. So I did. After already paying {$130.00} for the products, I spent another {$15.00} in shipping charges. I would not have returned the items if Paypal had not told me to because the seller already stated they would not issue a refund. But since Paypal told me to, I assumed they would issue the refund due to buyer protection.

But after I shipped the items and provided tracking information as instructed, they commented on the dispute denying the refund??????

So due to THEIR instructions, now I am without product OR payment???

Please help with this situation. If they weren't going to issue a refund, they why did they request I make the return and state that they would??

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 2018-10-17
Company: BARCLAYS BANK DELAWARE
State: NY
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:
When looking over my credit report I was shocked to see a late payment on XX/XX/2015. Being that I always make my payments to you when I receive my statements, I don't even know how this happened. My only thought is that it got lost in the mail somehow.

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 2021-07-20
Company: Bread Financial Holdings, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2019-03-24
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2012 I was in an accident which required me to have stitches, prior to being admitted I provided my Medical Insurance that I had with the state. I was told that everything should be covered by my insurance. The nurse glued the wound shut and discharged me within hours. 

I've tried to communicate with Grant & Weber since I saw this on my report and have been unsuccessful. I've contacted them 13 times over the last two years to have this taken care of, but Grant & Weber has been unresponsive.

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