BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i went to apply for food stamps as XXXX XXXX XXXX  in XXXX az district court keeps writing forged child support orders in order to take half of my social security money monthly. hes been doing it for two plus years for bribes from XXXX XXXX or whatever her next name is. now its XXXX I think and she is till filing my suits XXXX  them from my flash drives, computers and more with congress in all 50 states for the money. she XXXX  her money along with donald trump sr. through XXXX XXXX, XXXX, XXXX, XXXX XXXX. XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX, ... and the clerk at DES food stamps in XXXX nv, said that three accounts came up on her screen that were open that I had already closed years ago. one was Chase bank opened in XXXX and XXXX went into to it in XX/XX/XXXX and out in XXXX XXXX i went to chase and it appears that someone opened it XX/XX/XXXX with and XXXX Deposit THE XXXX XXXX XXXX PAYMENT XXXX ... XXXX. I CLOSED THIS ACCOUNT AS I DO WITH ALL MY ACCOUNTS BUT XXXX XXXX REOPENED THEM FROM ME, .. FROM ME. 
I WENT TO CHASE AND WHAT WHE SAID WAS TRUE, AND I WAS GIVEN XXXX IN EXCESS OF MY CLOSERS. ACCOUNT ENDING IN CHECKING # XXXX IT IS BEING USED IN MI, IN, GA NC SC XXXX XXXX CHECKING ACCOUNT. I CLOSED IT BUT XXXX XXXX  XXXX XXXX XXXX XXXX, MI ALSO REINSTATED CHARGES FROM MI, FL, ELLECTRONICS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Experian Information Solutions Inc.
State: NY
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:
There is several inquires actually 21 on my Experian report all in which 3 were made by me. I just got off the phone with XXXX in disputes department and she was very rude and did not want to do her job. She told me that I can validate all these inquires myself that its not her job. My report states due to fraud a couple months back it states i am a victim of fraud and to contact me before proceeding. That has not ever happened. Not to mention I pay monthly off my credit card for this monitoring service of they offer.. I also have 2 accounts that have never been validated to me for a year now and they keep responding meets FCRA requirements. MUST NOT IF YOU CANT PROVIDE DETAILS to me.. Bottom line if you don't want to do your job then stay home!!! My report is locked but i get 21 inquires REALLY!! I cant describe the way this XXXX has changed my whole out look on this company I pay monthly to help keep my information safe and make sure things are reported correctly. These people do not understand the importance of the job must be these reports run our lives and differs comfort or struggle ...

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 2022-08-31
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:
This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX Balance Owed : {$410.00} Date Opened : XX/XX/2020

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 2018-02-05
Company: Resurgent Capital Services L.P.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am having trouble with getting this account off of my credit. I believe there was a mistake with an account that I had previously with XXXX XXXX. I purchased a comforter for about XXXX. At the time I was going to buy a computer desk, and book case. I cancelled everything but the comforter. I paid off the comforter already. There is this balance for XXXX, which should not be on my credit. I have written XXXX XXXX several times to obtain any paperwork to validate and show the errors, however there has not been any forthcoming information. I want them to remove it right away, because it is interfering with my credit score and rating. 

Enclosed is the last letter that I sent to XXXX XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I received a copy of my credit report and I noticed this account XXXX/XXXX XXXX is open and with a balance of XXXX this information is inaccurate. This account is now closed and the balance is XXXX, please update this information in 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 2022-08-11
Company: AMERICAN EXPRESS COMPANY
State: AK
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:
American Express has charged me {$440.00} in fees and interest past my {$1000.00} credit limit. This should be illegal as it is almost XXXX XXXX of my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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 was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-XXXX ) you are required to remove/block any accounts not later than XXXX business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-06
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove the following items : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00} Date Opened : XX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2017-06-22
Company: EQUIFAX, INC.
State: ND
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 and have been a victim of identity theft for well over 11 years. I have an unauthorized and fraudulent account listed on my XXXX XXXX, Equifax and XXXX credit report that 's fraudulent. The following account is fraudulent : XXXX XXXX XXXX account : XXXX. Please permanently delete this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX Short Sale Negotiator XXXX XXXX XXXX  ( 2 minutes ago ) to XXXX, XXXX, XXXX   XXXX We have completed every single request that had been requested per the foreclosure department as we have a cash buyer at XXXX and this is a fair offer as she is about 10 months behind last amount of payoff XXXX. Ms XXXX has true hardship and we have rushed to have this completed to review for an approval of the short sale. Ms. XXXX submitted all these docs in XX/XX/2019, Truly, no reason not to assist the seller to complete the review. This would be horrible news to this seller for they have responded to every requirement of the Lender. The investor directed us to the Foreclosure dept. and foreclosure dept sent us to Loss to make sure all docs were in review to stop this sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
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: Information belongs to someone else

Complaint:
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: CL Holdings LLC
State: TX
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:
Collection agency, Jefferson Capital Systems LLC, reports debt in the amount of {$5800.00}, with original creditor as XXXX XXXX on credit report. I have disputed the account through XXXX and XXXX, still no verification supplied. Original creditor has dissolved the company and I was unable to locate a past due amount with the company that took the open loans. I called collection agency on XX/XX/21 and requested details of the debit by mail but was unable to secure an expected time frame for the information. Collection agency stated they did not know when they could provide. To date I have been unable to receive any verification of this debt and my records and credit report show all loans were paid in full with XXXX XXXX, Jefferson Capital Systems continues to report the collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I purchased furniture at XXXX XXXX on XXXX/XXXX/XXXX and used their promotional offer of no interest paid during the XXXX moth period I was offered. I enrolled in auto pay so that it would be paid off on time based on the calculations the store and credit company gave me. Fast forward that time frame and synchrony, the credit card company charged me up front all the interest not paid due to my account still having a balance by the end of the 24th months, I of course was very upset at them and rightfully so because they gave me the dollar amount to pay monthly so it would be paid off in full which apparently it wasn't enough so on XX/XX/XXXX they added all the interest not paid as a due balance and even though I didn't agree with it I continued making the auto pay to now pay off the interest owed during that time frame, well fast forward to XX/XX/XXXX and I noticed that they are now charging interest as if this is a new PURCHASE eveey month they charge interest on TOP of the accelerated interest they had already charged me!! At this rate it will never be paid off!!! they are applying a very minimum amount towards the balance and I'm nowhere near paying off the original interest due to this blatant fraud. Please see attached statement where their statement of how interest is charged at the end of promotional period is extremely misleading. I have been paying under the impression that I'm just paying the interest owed from the date of purchase UNTIL the end of the promotional period. NOT that the company would charge interest on TOP of interest already owed. This is NOT a purchase balance now it is ONLY the interest accrued during the promotional period and until it ended. This is clearly a fraud being committed by this company and abusing consumers by misleading and fraudulent charging clients. I purchased a bed set for my daughter, should have been about XXXX it is now costing me over XXXX based on this fraudulent activities allowed by 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 explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the XXXX XXXX XXXX XXXX  seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under XXXX XXXX code XXXX and XXXX XXXX code XXXX ( b ) ( XXXX ). 
I am aware that they each have XXXX days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( XXXX ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Navient Solutions, LLC.
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:
In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. 

I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Bass & Associates, P.C., Attorneys at Law
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I'm just sick and very stress out to what has happen to me, I lost my Husband 5yrs. ago and I am a XXXX. old senior just trying to live and work and take care of my self, I have poor health. and trying to move into a low income senior apt XXXX Now am I find out The dept. of Ed. is Garnishing my pay, i can hardly pay my high rent and pay other bills. 
I keep ask what school is this, I didn't apply to any school, a couple of yrs ago I was inquiring about online, but back after 2 weeks, because grandson passed away he was XXXX. and they said it was find, I forgot the name of the school but they have all my information, I never got any thing from them, no books nothing, Now they are charging me over {$5000.00} for something I didn't do, And they said there would be no charge to me. 
I don't know what to do, someone got my information and use it and take food from and making me homeless, I sent every bill I owe, to the debit dept. and they said 30 days XXXX60days XXXX I can't wait that long, I really need someone's HELP PLEASE I have no one, I need this to stop NOW, I can't even help my grandchildrens

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt collection agency called Convergent on XXXX XXXX 's behalf sent a letter to my address, addressed to someone else indicating monies owed. When I contacted Convergent they stated my social security number was used in opening an account with XXXX XXXX. Convergent directed me to contact XXXX XXXX directly, which I did. XXXX XXXX confirmed that the delinquent account was opened with my social security number. XXXX XXXX told me I need to sign an affidavit indicating my social security was fraudulently used via identity theft. It should be their responsibility to confirm accuracy of any information provided to them when opening accounts. <P/>Letter dated X/X/17 seeking amount owed {$810.00} and total balance of {$810.00} XXXX account # on letter : XXXX Connvergent Account # on letter : 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