BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-17
Company: JPMORGAN CHASE & CO.
State: FL
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:
Cardholder alleges that : - Upon check-in at XXXX XXXX XXXX XXXX on XX/XX/2019, he was asked to prepay for his two-night reservation in advance, which he did - Upon receiving his room, he immediately complained about noise due to thin walls, cold room, and overall substandard quality for a winter hotel branding itself as a 5-star property - Upon receiving a replacement room, he suffered a cold night in the middle of XXXX in a barely heated space on the night of XX/XX/2019 - Problems persisted on XX/XX/2019 culminating with water shutoff to the top floors due to insufficient water pressure, causing cardholder to leave the premises on XX/XX/XXXX, and stay at an alternative hotel on the XX/XX/2019 ( receipt attached ) - XXXX XXXX XXXX XXXX lied about cardholder staying two nights, despite alternative hotel receipt, and camera footage from reception desk proving leaving the property - All of the above information has been furnished to Chase - Cardholder has since tried to remedy by contacting the XXXX XXXX XXXX XXXX for resolution - In response to the Consumer complaint, hotel has acknowledged its deficiencies and provided as a goodwill gesture a voucher for two nights with restrictions the voucher has been declined with letter attached, and full refund requested again - All documentary evidence is attached to this claim ( receipt for alternative accommodation for the night of XX/XX/XXXX, copies of voucher offered by hotel and since declined, grievance correspondence with the XXXX XXXX XXXX XXXX, photos of dry faucets during mid-winter water shutoff, and original hotel receipt ) - Chases performance on the claim was inconsistent and marred by multiple agents asking for repetitive information and providing conflicting advice - Chase has failed to adequately contact the vendor for resolution, and only accepted the vendor receipt as evidence, while declining to accept pictures showing water was turned off ( hotel does not deny water shutoff ) - Chase decisioned the claim with prejudice in an effort to hastily put a closure to the claim following the path of least resistance - Chase failed to uphold its prior standards of being known for customer care and siding with the customer when justified - In a final phone call, Chase failed to inform the cardholder about his right to arbitration even when asked about next steps

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-28
Company: Coastal Credit, LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a voluntary repossession in XX/XX/2017. They sold my car at auction in XX/XX/2017. Every month theyve been adding money to the remaining balance. Everyone of my credit report show different balances from what they sent me after the car was sold at auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: EQUIFAX, INC.
State: IN
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 inquiring about XXXX XXXX Acct # XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Experian Information Solutions Inc.
State: NM
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 and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Jim Bottin Enterprises, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a member of XXXX XXXX XXXX, TN for about 3-4 months. I paid through direct deposit and cancelled XX/XX/18 and even went up there in person and they told me I was cancelled and that I had no debt, but I have no proof they said that. They sent me a letter ( which I still have ) on XX/XX/18 telling me I owed them {$16.00} and that my cancellation date was, in fact, on XX/XX/18. I called them a few days after and they said they would delete the debt and that everything was fine. On XX/XX/18, I received mail from XXXX XXXX XXXX XXXX  XXXX ( which is partnered with XXXX ) that they are a debt collector and that I owe them {$65.00}, but I didn't see the mail until XX/XX/18, because they didn't send it to my current address, because I am living on-campus. I called them on XX/XX/18 to tell them I wanted to dispute and they told me that they couldn't help me and to send them a written notification and that if I didn't have any proof, I would be out of luck, which is when I went searching for my original letter from XXXX. I am sending my dispute hopefully tomorrow with a copy of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX alabama XXXX PayPal and XXXX  XXXX was fraud I want it off my file plz

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Speedycash deposit XXXX in my account and they said it will not affect my bank account so now I have a overdraft in my account it was at XXXX now it is XXXX overdraft they should be responsible for this not me there phone is XXXX XXXX XXXX name is XXXX XXXX ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: IL
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 submitted an FTC report XX/XX/2021 to all 3 bureaus stating the account that was listed on my report were the result of identity theft. According to the FCRA pursuant 15 USC 1681 c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer resulting from identity theft. It is XX/XX/2021 and a block has still not been placed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX is not reporting the correct balance, last payment dates nor that the account is included into my bankruptcy. I disputed with Equifax that the information is incorrect and I have proof of the payments and the dispute results were its not listed as repo. I know its not listed as repo because it is included in my Ch XXXX bankruptcy and has received payments every month since XX/XX/2014. The incorrect reporting is affecting my ability to obtain a mortgage and Im trying to get it fixed. Equifax did not contact the creditor with my dispute. I would like this information removed as it has been reporting the wrong information for over 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
i was charged an annual fee end of XXXX on a few of my cards by american express and in the begining of XXXX they closed my accounts so i asked them to return my annual fees if they decided they dont want to provide me service anymore but was told its non refundable they shouldnt be able to take my annual fees and close my cards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was the victim of an attempted fraud on my checking account with CITIBANK. 

Three weeks ago I tried to make a money transfer from CITIBANK website when the system showed a similar message like " Its not possible to make the transaction, try again ''. 

At that moment I decided to call to customer support to know what was the problem, and the operator told me that my account was blocked due to there was a pending payment by paper check with suspicious activity. The paper check was made out to XXXX XXXX. Just to be clear I DO NOT KNOW XXXX XXXX. 

At this moment I created a claim in CITIBANK number XXXX and it is related to a previous claim made last year about fraud and identity thief from my savings account on the same bank ( CITIBANK ). With this it had been 2 fraud attempts to my savings and checking accounts on CITIBANK. 

On XX/XX/2020, I accessed to my bank account and I realized that on " Manage Bills & Payees '' section on CITIBANK website there was a register to XXXX XXXX, immediately I delete the record from my personal checking account. I have evidence of that and attached to this claim. 

I want to let you know that on XX/XX/2020 I went personally to a CITIBANK branch in XXXX, to change my personal address, personal phone number, account password and the recommend me to asked for a new debit card to avoid other issues in the future.

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 2018-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX   DOB:XX/XX/XXXXSS:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX  TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX, PA XXXX XXXX.

I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX  ), and XXXX v. XXXX, XXXX XXXXt, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you.

XXXX, XXXX   DOB:XX/XX/XXXX SS:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-10-22
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( cell ) XX/XX/XXXX Via Certified Mail, Return Receipt No. XXXX XXXX XXXX XXXX XXXX FAMS - Financial Asset Management Systems , Inc . 
Attn : XXXX XXXX VP Operations XXXX XXXX  XXXX XXXX, GA XXXX AND Via Certified Mail, Return Receipt No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FAMS Registered Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Notice to Rescind Settlement Agreement Dear XXXX, Please be advised that I am rescinding the settlement agreement made with your company for the following reasons. I agreed to a reduced settlement plan with your company last week and paid {$100.00} down using my Visa ending in XXXX. Your company was told at the time that the agreement was contingent upon my receiving the agreed settlement terms in writing within 24 hours. After I did not receive a copy of the receipt detailing my telephonic payment or a settlement agreement as promised, I called back the next day to inquire about when I could expect to receive the settlement agreement and a copy of my transaction receipt. I provided both an email and a fax number. 
As of the date of this letter, you sent one letter dated XX/XX/XXXX still showing a balance of {$54000.00} and a payment due XX/XX/XXXX in the amount of {$500.00}. The letter is attached for your review. The letter does not contain any receipt or acknowledgement of my {$100.00} payment and it does not contain any of our agreed upon settlement terms, include the total amount of the settlement and the agreed upon monthly payment amounts. I still have not received a copy of my transaction receipt for the {$100.00} I paid towards consideration of the settlement agreement. I also have not received the settlement agreement as promised. 
At this time, because of your companys deceptive and unfair debt collection practices and because you have breached the terms of our verbal agreement by not providing terms in writing as requested or a copy of my receipt, I do not feel comfortable proceeding with any payment arrangements made with your company. As a result, I am hereby rescinding any agreements made with your company to settle this debt and hereby revoke any promises of future payments made as a result of this verbal agreement, effective immediately. You do not have authorization to debit any of my financial accounts, including but not limited to my debit card ending in XXXX. I hereby dispute the validity of the debt described in your letter dated XX/XX/XXXX, a copy of which is attached for your convenience, and I demand a refund of the {$100.00} made with my Visa card ending XXXX, within 48 hours of your receipt of this notice. 
Regards, XXXX XXXX. 
Cc : Consumer Financial Protection Bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to this company in writing about this account. I do not know who this company is and they failed to remove this or provide any information on the account. This is negatively effecting my ability to get approved.

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 2021-07-21
Company: Experian Information Solutions Inc.
State: CA
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 that there was a medical bill reporting to my credit and I believe that medical bills were supposed to be private information and I never gave out my medical information to any collection companies.

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 2019-03-21
Company: Innovis
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
DEAR CFPB For the past 10 months I've been trying to dispute unverified items on my credit report. I have not got any results of verification that account belongs to me by documents such as a my signature and my social security number on it. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract Any and all accounts you Accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$560.00} XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: LEXISNEXIS
State: IL
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 have received letters stating that they have ceased investigation of my credit reports because, in their opinion, they believe that I have used a third party credit repair agency which I have not but there is NO law that states a consumer can not use a third party, so using that as their excuse is irrelevant. Ive disputed this US BKPT CT IL XXXX Reference number XXXX with the credit bureaus XXXX, XXXX, and XXXX -Which two of them ( XXXX AND XXXX XXXX confirmed the public record was verified by the court. I asked XXXX and XXXX to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

In accordance with the Fair Credit Reporting act XXXX XXXX number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28
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:
The account XXXX XXXX is current, never on a past due. Please reverse the late payments because I have never made a late payment on this account ever

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: Experian Information Solutions 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:
There is an account on my reports that can not provide proper debt validation based on sec 609 and 623-b of the fcra and 807-8 of the fdcpa and is affecting my financial well being and overall standard of life and it could lead to civil to litigation

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 2018-02-02
Company: Experian Information Solutions Inc.
State: NY
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:
Updated tradeline XXXX XXXX XXXX  XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD N/A Account closed by credit grantor Bankruptcy XX/XX/XXXX XXXX XX/XX/XXXX THIS ACCOUNT WAS NOT CHARGED OFF AND NOT CLOSED BY CREDIT GRANTOR ... ... THIS ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY AND HEREFORTH DISCHARGED UNDER THE FEDERAL BANKRUPTCY CODE. PLEASE ADJUST YOUR RECORDS ACCORDINGLY TO REFLECT THIS ERROR.

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