BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.

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 2021-11-08
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX is writing you to inform you that you are in violation of the 15 U.S.C. 1681a ( d ) ( 2 ) ( B ) any authorization or approval of specific extension of. Credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card in 15 U.S.C 1602 ( I ) the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I want to block and remove these accounts pursuant to 15 U.S.C 1681c-2. It should not be declined, this information is not being blocked in error by me the consumer, or on the basis of a material misrepresentation of fact by the consumer relevant to the request to block, or the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions and I didnt receive any goods. You are in violation of 15 U.S.C.1681n ( a ). any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Capital Management Services, LP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020, I called credit conditions acting on behalf of XXXX the credit company at XXXX and spoke with XXXX XXXX and settle the amount which was originally {$1300.00} to an offer presented to me for settlement at {$610.00}. I paid in full {$610.00} with the agreement that the account will be closed and all three major bureaus will be notified to {$0.00}. I later got a letter stating the account is settled. However, all three bureaus still shows I owe a balance of {$740.00}. I keep getting calls from this company stating that I still owe them. I contacted XXXX 's and was told my balance is {$0.00}, but I don't know why I keep getting these calls. I want all 3 bureaus notified to {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Experian Information Solutions 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:
" Experian reported 10 points loss in my XXXX credit score from XX/XX/2020 to XX/XX/2020 without ANY reason.

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 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I noticed accounts displayed on my credit report that are a violation of my rights as a federally protected consumer. I demand that the following account be removed from my credit report immediately : 1.XXXX XXXX XXXX XXXX 
Account Number : XXXX 2.XXXX Account Number : XXXX 3.XXXX XXXX XXXX Account Number : 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 2020-04-27
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I applied on XX/XX/2020 for unemployment and choosed the debit card as the way I wanted to get paid ... .. I have been calling XXXX and since there is nothing to choose from as in not getting a card the only option I have was lost stolen or I cant do that for the simple fact of no PIN number ... .. I have called XXXX and there is the option of not receiving a card but I have called every day and wait four - five hours and still no one answers. Understand that there is probably a bunch but man o have been sleeping outside under a restaurant porch being harassed by the cops and its not easy trying to find WiFi and sit for hours on someones property that the cops dont allow you to go on ... .. I have 4 unemployment payments that is 4 weeks of unemployment money that can get me a motel room and find a house to move in .... I can actually eat a hot meal instead of bags of potatoe chips .... it has been freezing cold and rainy every night ... .. then Im told by one of my co workers that if the money hasnt been touched in a month all my money goes back .... like this is so unfair ...., I dont have a address so my place of employment has me sending my mail there and no mail ... .. I have begged complete strangers for rides to post offices to be told there is nothing there for me, ... .. like I dont know what to do something has got to give my life depends on this card cause now there is no sleeping outside allowed ... .. Im in a motel room right now for three days can I get my card overnighted to where I am at take the money off the card there is over 2 grand on it ... .. like Im begging someone to help I have sent three emails to XXXX and nothing I am right now have been on hold for 5 hours on this XXXX and Im about to just give up yall are my only hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Experian Information Solutions Inc.
State: SC
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:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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
Consumer complaint received 2020-11-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : Equifax : Equifax Mortgage XX/XX/20 & XX/XX/20 XXXX  : Equifax Mortgage XXXX & XX/XX/20 XXXX  : Equifax Mortgage XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: PNC Bank N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I have tried to transfer money from my PNC account to my XXXX  account and it wont let me because it said something about the bank not allowing you I dont see the point in having PNC as an option to transfer money when youre not even able to transfer any form of funds in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: JPMORGAN CHASE & CO.
State: FL
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 received a letter from the executive office from CHASE BANK, dated XX/XX/2020. 
The letter is a complete fantasy providing creative statements supporting their view of my purchase of XXXX products and the quantity of bottles ordered. 

Item # 1 Letter from Executive Office Item # 2 Sample XXXX with offer of sample bottle I pay {$6.00} shipping. 

During my conversations with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, starting XX/XX/2020, they tried to convince me that I ordered with a card ( 8 ) eight bottles of KETO product. Also known as XXXX XXXX XXXX. My offer to return the unopened bottles was refused. 

I never authorized the use of my DEBIT card over the maximum of {$7.00}. 

I disagree with the rest of the letter making false statements. 

Item # XXXX XX/XX/2020 My letter ( email ) to XXXX, complaint about their misleading advertisement and my intent to purchase sample bottle with only cost of {$7.00} for shipping. 

Today I called XXXXXXXX XXXX XXXX at XXXX XXXX Customer Care Support. I received this phone from XXXX XXXX from my calls in XXXX. 

The representative stated, if my claim of unauthorized use of my debit card was supported by CHASE, they would charge back the {$250.00} and return my money. 

I was told that the corporate company for the XXXX products is XXXX XXXX XXXX. Registered under XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 

CHASE could have charged back my full amount of {$250.00} and returned the full amount to my account. So far CHASE refused my claim and charged back MY checking account for the temporary amount of {$210.00}. 

I request that you continue to investigate XXXX XXXX XXXX at XXXX XXXX XXXX in Utah. Requesting the return of my {$250.00} and reimburse all fees charged by CHASE bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-08
Company: Experian Information Solutions Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regard to the items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2017-11-17
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: Account information incorrect

Complaint:
REFER TO COMLIANT XXXX, TILA VIOATIONS, FCBA, FDCPA, T.C.P.A, FCRA AND OTHER STATE CONSUMER LAW INFRACTIONS.

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 2019-06-27
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was traveling in XXXX around late XXXX and made a purchase at a gas station for a piece of candy around $ XXXX. Once i returned home and checked my account i noticed a charge for {$350.00} at a market in which was the same place i purchased the candy. I called my bank to dispute the charge. I did not have a receipt and they said they would reach out to the market to request one. It has been over two months and i have not received my money back and my bank states that there is nothing they can do about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: JPMORGAN CHASE & CO.
State: CA
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/2019, I purchased 4 XXXX cast iron camp griddles. I was billed on XX/XX/XXXX on my Chase card 4x {$89.00} for a total of XXXX. Over the next few days I tried to reach the merchant, and searched for tracking # s, all to no avail. 
I saw on social media that this was a scam, and contacted the XXXX XXXX directly and I was informed that yes, this was a scam. 
Around the XXXX of XXXX, I purchased more griddles from Amazon, and they were received without problems. I also contacted Chase at this point to have them removed the original charge for something I did not receive. I was told they would removed the charge and send info to their fraud dept. A few days later I checked my card online and noticed that the charge was back on my account. I called Chase immediately and was told that they had contacted the merchant, and the merchandise had been shipped and received. 
This person gave me the tracking # s and assured me that they had reached the merchant and had been told it was a valid charge. 
When we checked the tracking # s, I found that they had shipped a small package and had delivered it to my mailbox on XX/XX/XXXX. It weighed less than a pound. The griddles weighed 134 pounds. I realized that I had received this package. It contained 5 small plastic cards about the size of a credit card. I had no idea what they were and info on the envelope only said it was shipped from XXXX, but because I had saved it the tracking # matched what Chase had given me. Another tracking # said it had been delivered to someone in TN. I don't know anyone in TN. 
I have talked to 19 people at Chase, each time I speak with them they tell me they get it and will remove the charge, then in the next few days they repost the charge. Several of those people have admitted to me that they had no contact information for the merchant either. 
I have filled out and faxed a complaint form, including pictures of what was shipped to me. This week I talked to one person who offered me a {$100.00} gift card for my trouble. I turned it down, but it indicates to me that they are not being fair. 
I have had an account with Chase for many years, and have always paid my bill on time. I can't understand why they are taking a shady merchant side over a good longtime customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-15
Company: Experian Information Solutions Inc.
State: MD
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 initially sent a Method of Verification letter in XX/XX/2020 requesting for the company to provide me with a letter detailing how they verified this bankruptcy belong to me. By law credit bureaus have 15 days to respond to this request. The response didn't come until 42 days with the only response being " this information is accurate. '' However this is not what my request asked for. I then followed up in XX/XX/2020 requesting, a method of verification document for a second time. The response the same as the first. When I call and attempt to speak to someone about it in the dispute department I'm constantly put on hold and once some one gets back on the phone they just regurgitate what the person before them said. To date I have yet to be provided a method of verification. Due to this company neglecting to respond within the 15 day time period they were required by law and neglecting to provide me a method of verification document almost 90 day since the initial request, I demand this 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
Consumer complaint received 2021-10-22
Company: We Collect Inc
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Aprox 3 weeks ago I requested verification for this debt. They sent me a letter saying they dont have to verify this debt that there is no basis in law to substantiate my right to such information and there is no duty to comply with such excessive verification demands. 
This letter was sent on XX/XX/2021 for the amount of {$10000.00}. 
I dont understand why theyre trying to collect for a debt from me that they wont verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: SYNCHRONY FINANCIAL
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:
My husband passed away on XX/XX/2020, I am XXXX XXXX XXXX. To avoid any charges on our card, I cancelled his card for being deceased, and also cancelled my card and BP - Synchrony Bank issued me a new card number. I noticed charges on our card for XXXX and Amazon but had no idea what they were, they could have been my husbands. Even after I cancelled my card, BP aka Synchrony subsequently gave XXXX and Amazon the new account numbers. The charges were not authorized. I do not have access to the XXXX or Amazon account, and Amazon says I must log in, XXXX would only say the charge was valid. I disputed the charge On XX/XX/XXXX, they made me fill out paper forms and send them in to dispute, later I subsequently called the company where I was told they cant stop it, and they will give out my card number for recurring charges. I explained that these were not authorized, and I would cancel my account if they showed back up. They stated that even if I cancelled my account with BP and Synchrony, I would still be responsible and I needed to wait for the result of their investigation. After all this time, they credited me for one month, but allowed the charges to continue on my account the very same day. They are taking advantage of a widow senior citizen by not stopping these charges.

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 2021-11-08
Company: E*TRADE BANK
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My E*Trade debit card connected to my E*Trade checking is frozen. 
E*Trade does not have viable phone numbers, email address, chat access. XXXX for my calls advice a wait of over an hour and then not answered. Calls to their branch offices are answered with this message, " Branch offices are closed due to Covid. '' E*Trade chat is closed. I have tried email. I have been trying to solve this problem for over a month. I have automated payments for both my individual bills due and my business have been rejected and online payments have been denied. 

Please advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am a Co-signer on my granddaughters loan, I am XXXX yrs old, fixed income, & I have paid on this for over 4 yrs., they have raised my monthly payment for no reason over the years, when I have n't missed a payment. They Will Not help me as I have tried many times to talk to them!! Now, I am being threatened by XXXX cause I havent made a payment since XXXX XXXX! I do n't know what to do, they are a terrible company! Ca n't somehow this loan be written off? Its XXXX to pay off. Im very upset, at my age, this is very unfair. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 notice multiple accounts showing on my credit report that I never opened nor authorized. I summitted a disupte the beggining of XXXX and the company closed my complaint without investigating what I was disputing

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