BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-23
Company: JPMORGAN CHASE & CO.
State: MI
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 ordered a vacuum online but didn't receive it, i contacted the merchant multiple times, via email and phone calls, i didn't get a call back or any respond to my emails, finally i got an email for the merchant on XXXX for a tracking number i checked the tracking number and the item said it had been delivered, i didn't receive anything tho, i contacted XXXX and gave them the tracking number, my name, and address. they had said the package isn't in my name nor was it even in my address, so i contacted my bank to dispute the transaction because i haven't received my item, the bank disputed my transaction but now reversed it. went back and took the {$300.00} out of my account they said they had did investigation but i didn't believe it. they wouldn't even look at where the package got delivered to or who's name it is in. i had bought a XXXX vacuum, its 14 pounds and XXXX says the package that got delivered is only 3 pounds how does that make any sense?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-03
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$6300.00}. 
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 on XX/XX/XXXX enclosed 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 XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX has a collection listed on my credit report for XXXX XXXX XXXX XXXX. I was a victim of Identity theft in the Equifax Breach. I filed an affidavit and sent copies to all three bureaus in XX/XX/2018. I have called Equifax, and XXXX   repeatedly, and disputed the error, I have emailed/ faxed them to their company as requested a copy of my supporting documents " affidavit, and have gotten no response to the emaile/faxes, and rude, offensive customer service, regarding my complaint / dispute. When I call. I have also called, Equifax, and XXXX. Neither Equifax, nor XXXX have corrected this on my credit report. I have disputed this with each, with no correction. XXXX was also informed of the fraudulent account/ collection, and immediately removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a debt from enhanced recovery for XXXX. 
I have never had an att account in my name. 
My mother had an account ; but, she is now in a XXXX XXXX with XXXX. 
For some reason, XXXX has decided to put the account under my name and social security number as they ca n't collect from her. Enhanced Recovery has placed the negative information on my account for {$970.00}. 

I 've told them when they 've contacted me the debt is not mine. It was opened in my mother 's name, and under her social security number. I was informed by debt collector that because we lived at the same address, and I had the benefit of those services, and because I am my mother 's power of attorney, I am now liable for the debt and they refuse to remove it from my credit. 

THIS IS NOT MY DEBT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-05-03
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$6300.00}. 
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 on XX/XX/XXXX enclosed 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 XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -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 2023-08-04
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.Bankruptcy XXXX  XXXXdismissed Reference number : XXXX, Bankruptcy XXXX  7-dismissed Reference 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 explanation
Consumer complaint received 2020-11-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This is regarding my XXXX XXXX  account ending in XXXX. I have been in the XXXX  since XXXX with XXXX and complications and just came home today!! Back in XXXX I think it was I finally got ahold of someone after HOURS OF GETTING THE RUN AROUND, and told them I had XXXX  and they said they would put projections on my account and a payment would not be due for that month. Not long after that call, my condition got worse and I ended up on XXXX XXXX  for about 4 weeks. I have not been able to call anyone to get help with my accounts. My husband then tried calling to tell XXXX XXXX what was happening. NO ONE WOULD TALK TO HIM BECAUSE HE IS NOT ON THE ACCOUNT!! As a result now my credit is ruined!!! I have {$100.00} 's in late fees and who knows what else!!! How is someone on XXXX XXXX supposed to get help if these creditors won't work with people!! 

My balance when this stared was around {$4000.00} wish. I now owe close to {$6000.00}!!! I have no job, just got out of the hospital, I can hardly provide for my kids and now to top is off, my husband passed away three days ago from XXXX. 

XXXX need to do something! They need to fix my credit ASAP! I can not pay for my husbands frugal because I can not get any sort of loan to pay for it! Then they need to waive ALL MY LATE FEES!! LASTLY, THEY NEED TO SETTLE THIS ACCOUNT AND MAKE IT A PAYMENT I CAME HOPEFULLY SOMETIME AFFORD WHEN I GET BACK ON MY FEET! 

THE CREDITORS SHOULD NOT BE ALLOWED TO DO THIS! WHEN YOU HAVE XXXX, YOU CAN NOT WORK, I ALMOST XXXX, I HAVE NO SAVINGS NOW AND LOST MY HUSBAND. MY CREDIT IS RUNIED NOW! HOWAM I SUPPOSED TO RECOVER?!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Tribal Lending Enterprise, Inc.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
i got a loan of XXXX deposited into my bank account without knowing what the payments or interest would be, the company on my deposit is silver cloud financial. i looked them up and they are not a loan company, they are a XXXX  scam 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 explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are inaccurate information reporting on my credit file : Incorrect Personal Information : Name : XXXX XXXX XXXX ( TU ) Name : XXXX XXXX XXXX ( TU ) Name : XXXX XXXX ( TU ) Address : XXXX XXXX XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX ( TU ) Address : XXXX XXXX  XXXX XXXX ( XXXX  & XXXX  ) ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Fraud or Identity Theft Items : XXXX XXXX XXXX - Open Date : XX/XX/XXXX ; Bal : {$10000.00} ( TU ) XXXX XXXX XXXX - XXXX - Date Open : XX/XX/XXXX ; Bal : {$290.00} ( TU )

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 2021-10-08
Company: Partners for Payment Relief
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am trying to refinance my first mortgage and the title examiner found a security deed on my title to a company I know nothing about. Supposedly I took out a {$48000.00} second mortgage on XX/XX/XXXX between myself and XXXX XXXX XXXX, XXXX. They are no longer in business, also the attorney who did the transaction XXXX, XXXX, and XXXX are no longer in business. There was another transfer of deed from XXXX XXXX to XXXX  for XXXX  XXXX  XXXX done on XX/XX/XXXX but their MERS is inactive so is the contact phone number XXXX. My current closing attorney, my loan officer, and myself have gone to their website XXXX XXXX XXXX which is only one page and all you can do it enter your name and email for them to contact you back. No one has contacted any of us even after repeatedly requesting information over the past month. Again this is not a debt I ever signed for, there is no reference to it on my credit report and I would never have known about it had I not tried to refinance my current mortgage so I need guidance on how to get it removed from the title of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received a XXXX loan deposit into my XXXX XXXX account on XX/XX/2020 that is in my name and another person 's name. The loan was in the other person 's name. They closed it because it is not a business account but he is a XXXX independent XXXX so Capital One said that it didn't have to be a business account. They have frozen all of my accounts and I am unable to use them. I have been calling Capital One for the last two weeks with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear Sir or Madame! 
Please be advised that I was a victim of Identity Theft. Upon learning of this incident sometime in Spring XXXX I immediately filed a notified all credit reporting companies regarding this incident. 
Upon collecting all relevant information pertaining to this incident I had filed a Police report with XXXX in XXXX, XXXX. 
All Credit Reporting Companies were notified in regards. 
I had submitted any and all documents pertaining to Identity Theft to all partied involved and requested to remove all negative information contained therein ... 
Credit reporting companies refused to act and cause irreversible financial harm since I was unable to use my credit in order to obtain mortgage, car loan & /or credit card ... as well as favorable rates ... 
I respectfully request your assistance in order to force credit reporting agencies to acknowledge that identity theft incident occurred and remove any and all negative information from my credit report. 
Respectfully, 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 2021-03-06
Company: EQUIFAX, INC.
State: IL
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 am trying to remove a dispute from my credit report in the remarks section of XXXX XXXX XXXX. I have called many times and it appears that the agents do not know how to remove remarks from the credit report. When I contacted the other two credit reporting agencies, they were able to remove the remarks within a few hours and not days. Th first time I called on XX/XX/21 they gave me dispute number XXXX. Then, I called again on XX/XX/21 and the agent told me that the first agent did not do this correctly and canceled the dispute and gave me a new dispute numbered XXXX. The dispute was marked resolved on XX/XX/21 but they did not remove the remarks as requested. Instead, they contacted XXXX XXXX asking to verify the information, which is not what I wanted. I just called again on XX/XX/21 and now they gave me another dispute number XXXX. But the issue is still not resolved. If fact it is now worse then before because apparently an agent also put in a dispute for XXXX XXXX 1 which I never disputed. It appears the Equifax does not know how to handle this type of request as the other reporting agencies are able to. Also, now I notice that the other two credit agencies now have a message in the remarks section saying that I disputed this account. I believe this was added because XXXX XXXX sent the updated info a to all 3 reporting agencies when the dispute was filed which now, I must call the other two reporting agencies again to have them remove the remarks again as I am not disputing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have set up payment arrangements and cleared up my account and am working on the other debt I owe. They call me every day morning weekends ever since I set up payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company did not contact me about a debt they have in my name. The debt appeared on my credit report. The company is required to contact me about a alleged debt and give me 30 days to respond with any problems I may have with debt. The procedure is a FCRA rule and the company bypassed that rule and just placed the debt on 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 2016-09-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I tried to open an account with wellsfargo and they told me there were accounts open, they took a statement and copies of my ss card and driver license. then told me they would look into it. I waited several weeks and then just said never mind with opening the accounts. I just know some fraud took place but they didnt tell me what. now I would like this investigated.

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 2021-03-06
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: Account information incorrect

Complaint:
Ive disputed account with Experian before and yet accounts somehow are still being reported to them with violations in which theyre supposed to verify the accuracy of which the reportings are and remove them if found. XXXX XXXX XXXX is reporting inaccurate information on the reporting and even so reporting a past due on this account which is a violation per the FCRA. This is considered a collection account and collection accounts can not report a past due balance which in this case they are. This account also has inconsistencies with the balance being owed for Experian {$3300.00} and XXXX  as {$3300.00}. They both have the same account number # XXXX but yet reporting different balances when theyre getting the same information from the creditor but differ. 

XXXX XXXX XXXX Has another account for which its reporting a past due balance and is violation. Account number # XXXX which I will provide documentation

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 2018-05-11
Company: JPMORGAN CHASE & CO.
State: CA
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 rewards from credit card

Complaint:
I'm not happy with the resolution proposed by Chase. " We will extend your Anniversary Free Night through XX/XX/XXXX, to include any of the XXXX hotel properties worldwide. '' They need to grandfather the promotion and not change it the way they want. This is not right! To remind them this was the deal when me and my wife signed up for this card : This is not the right way to solve this issue, the deal was a free night for every anniversary not only for first year. When I opened the card the deal was : " Chase XXXX  Rewards Club Select Credit Card Earn XXXX bonus points after spending {$1000.00} on purchases within the first three months of account opening Enjoy a Free Night after each account anniversary year at over 5,200 hotels worldwide Earn XXXX points per {$1.00} spent when you stay at an XXXX hotel Earn XXXX  points per {$1.00} spent on purchases at gas stations, grocery stores, and restaurants XXXX Rewards Club Bonus points are redeemable at hotels such as XXXX XXXX & XXXX, XXXX XXXX XXXX & XXXX and XXXX XXXX Platinum Elite status as long as you're a Select credit cardmember Automatic 10 % points rebate on redemptions {$0.00} Introductory Annual Fee for the first year, then {$49.00} a year " not just for XX/XX/XXXX, or XX/XX/XXXX, so they need to respect the promotion and the people who are their customers. For whoever got this Credit Card including my wife they need to respect the deal we signed. I'm also a Chase customer, I do my banking with them, I have my checking and savings account with them. If they are not willing to respect the deal I might end all my accounts I have with them and I'll be banking with another bank. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
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: Account status incorrect

Complaint:
Account reported as paid in full the company contacts advising payment due repeatedly informed not what I was advised the card was lost and account had been closed for some time so nothing was due. Disputed balance supervisor advised they were escalating and enrolling in covid 19 payment plan where as no payments no fees would be assessed for 2-3 billing cycles to ensure adequate time was provided to be properly escalated with no further issues and this was occuring during death of immediate family member. 

I did not hear back from him by the end of the date provided so i paid in full with live agent end of XXXX again reconfirming i was disputing and that once remedied in my favor refund. 

Company repeatedly advised allow 30 days to see it rectified on credit bureaus then they completely switched gears saying it is accurate. NO IT IS NOT I HAVE NEVER BEEN 30 DAYS LATE IN ALL THE YEARS THIS EXISTED LEAST OF ALL 60-90 WHEN THE BALANCE IS LOWER THAN IT HAS EVER BEEN ONLY FOR ME TO PAY THE ENTIRE BALANCE JUST LIKE THAT. 

I know what I was advised twice over and I paid again under protest at the exact moment the arrangement ended further illustrating the arrangement in place

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