BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: GA
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 a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: PA
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:
Hello, my name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: AES/PHEAA
State: WI
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 was astonished when I looked at my XXXX, XXXX  and XXXX XXXX reports and realized that I was reported as having a late payment on the date below : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I recently opened an account with Chase bank in XXXX because I moved to Georgia and my current bank XXXX XXXX  does not have locations at which I can deposit checks. I deposited XXXX checks through the Mobile banking app on XX/XX/XXXX The first was my GA state tax refund check, the second check was my escrow refund check from my mortgage company XXXX XXXX. The third check was dividend check from XXXX. They put the checks on hold for 8 days. They made the funds available on the XXXX of XXXX but then 2 days later debited all of my money. When I called chase on XX/XX/XXXX I was not notified that my account was flagged. I noticed my money was debited on XX/XX/XXXX So I called chase customer service line but they would not speak to me. I was told I had to call a special department, Which I tried for several days I was on hold for hours the call back service option wasnt working I was thrown back into the queue waiting almost 2 hours. Finally able to reach the dept on the XX/XX/XXXX at XXXX and spoke to a representative who informed me they couldnt validate the checks. Which didnt make any sense as they placed the extended hold on my checks. After being on hold for several minutes as the rep said he would need to contact the maker of the check to ensure the funds were payable to me. They flagged the checks as fraud and closed my account. The representative then stated he would call to verify the checks so while on hold the call dropped no one attempted to return my call. I called back again spoke to a different representative who was not helpful he stated the checks cleared however they wanted to verify with the maker of the checks to verify it was issued to me. They refused to do anything further but wanted me to provide them with contact information for the checks. Why do I have to provide burden of proof for checks that cleared just to satisfy their suspicions of fraud. I feel I have been discriminated against as the checks were legally issued to me by reputable sources. My name, address information on the checks all matched the account information. They have no reasonable explanation for their actions. The supervisor I spoke with was not helpful and offered no solution other than to tell me their policy with no end date as to when my money will be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, I discover that there were 2 transaction on my checking account " Chase Bank '' ATM withdrawal for {$200.00} each. Each transaction only separated by just several minutes apart. The next day I called the bank and reported it and the bank refunded me the amount. The following week someone did a quick pay using my account with a name that I do not know for {$400.00} and the bank also did returned the funds. Before this transaction made, someone already requested an new ATM without my approval.The bank charged me {$5.00} which also they refunded. I requested to closed the account but bank refused to closed it because of ongoing investigation according to them. I waited for them to finish they 're investigation and I just found out that they are charging me back the 2 separated {$200.00} transaction worth of {$400.00} without receiving a courtesy call or anything to informed me. I went to the bank and asked what is going on. The banker told me to call the executive office XXXX to find out. The person I spoke with told me that the decision was already made by the bank to reversed what they refunded me because my ATM has a chip and can not be hacked. I explain my side but with no avail, they said they already made the decision based with the chip. I can not understand why I suffer for the bank that they can not protect my account. I leave here in XXXX, California and the transaction was made in XXXX Texas according to the bank customer service I spoke with from the Executive office. I told him it 's absolutely not me and I have never been in XXXX Texas. I am sure this is not only happened to me, I am sure there are lots of consumer suffering this particular problems. Please call me at XXXX or email me at XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: AR
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian has allowed some company called  XXXX   XXXX   XXXX  to place a collection on  the Consumer Repo rt they keep against my name. I have no relationship to this company, i do not owe them an y ,  and they have never sent me a bill or notice of default. i tried calling the company and they dont answer and have not returned my messages. Experian will not provid e me any avenue to dispute this f alse information and have it removed from the report they keep against my name, they essentially accomplices at this point to a company that has broken the FDCPA and is fraudulently defaming my name and costing me money due to poor credit rating.

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 2022-02-08
Company: Experian Information Solutions Inc.
State: AR
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2020-04-26
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I went to use my card on Friday XX/XX/XXXX and was unable to it said my account had been locked and I needed to call! I have called everyday since trying to get a hold of them nobody answers and I am unable to get my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: Ascendium Education Group
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a debt collection letter dated XX/XX/2022 from Ascendium stating that I was delinquent on my XXXX student loan. I checked all my loans on studentaid.gov and I am not delinquent on any of the loans. I called ascendium to ask for verification of the debt. The letter itself includes a debt collection notice that states in part " if you tell us you dispute some or all of your balance within 30 days of receiving this letter, we will send you information verifying a portion you dispute. '' However, the agent I spoke to claimed that ascendium can not verify this debt, and that despite receiving a debt collection letter from ascendium I have to verify my debt with XXXX. However, I have not received a letter from XXXX and only have an ascendium reference number. Instead of agreeing to send me verification of the debt as the letter states they would, the agent also tried to shuffle me towards programs to get caught up on my loan, which is not my issue here. I felt pressured to enter a repayment program for a debt that I can not verify, even after I explicitly asked the agent to send verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I DON`T RECOGNIZE THESE INQUIRIES, I HAVE NEVER APPLIED FOR THIS, I`M NOT RESPONSIBLE FOR THIS DEBT, WITH THESE COMPANIES, I HAVE NO AGREEMENTS OR CONTRACTS WITH MY SIGNATURE.

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 2017-07-15
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:
I obtained an online copy of my credit report and the name on the report is not my name. I spoke with Equifax this afternoon and informed them that the information is wrong. They told me that information has been reported on my report under that name. I asked them to provide the name of the company reporting this information and they told me they did not have that information. They asked me to mail a copy of my social security card and my id. They told me they would not remove the information that was reported and would correct name once they receive my identification.     I have sent Equifax copies of my social card and my State issued identification card several times in the recent past to obtain my credit reports. Yet, this agency has used my social security number, they have created a new credit file using a name that does not belong to me, and they have allowed companies to report false information linked to my credit report using my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I set up a payment of XXXX - the statement balance - to be paid on XX/XX/XXXX prior to the due date for the statement. I confirmed that this payment was set up more than once. I am sure of this as I was closely watching my XX/XX/XXXX spending and went into the site to verify the amount and date of payment for my personal spreadsheet tracker. The website did not pay the amount. I also did not receive notifications about the account being due as I had previously set up and received in the past. I have sent multiple messages about the XXXX interest and XXXX late fee and how it should be removed. The website regularly does not work - I have had issues trying to download statements or make payments.

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 2022-02-08
Company: LEXISNEXIS
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I signed a 3-year contract with Lexis Nexis so that I could use their legal research services. I owed a monthly payment under the contract of {$130.00} ( {$4800.00} over 36 months ). Then, on XX/XX/XXXX, Lexis Nexis cut off my account and canceled my contract. On XX/XX/XXXX, I asked in an e-mail why I couldn't access my account. Lexis said it was because I signed a 1-year contract. I also called customer services, who likewise confirmed I did not have a contract with Lexis. Then, on XX/XX/XXXX, XXXX offered me a new contract. They did the same on XX/XX/XXXX and XX/XX/XXXX. I refused to sign a new contract with them and instead signed a contract with XXXX. 

Then, Lexis starts sending me notices and warnings to send me to collections for failing to pay XXXX, XXXX, and XXXX bills. I inquired why they were still billing me, and they denied every cutting off my account. They said there was a " mistake '' in the " system '' and that my account was only cut off from XX/XX/XXXX to XX/XX/XXXX. They have not acknowledged the e-mail they sent on XX/XX/XXXX. They are now threatening to send my to collections for failure to pay for services XXXX, XXXX, or XXXX. 

In short, Lexis cancelled my contract and froze my account. Then, 3 months later, pretend that never actually happened and demanded that I pay for those 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 demanded Transunion verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed ..Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account XXXX XXXX XXXX ( Original Creditor : 11 XXXX ) XXXX****,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hi, I am a chase checking customer. When I was opening my account, I remember the the agent telling me that if my account goes into negative, I will have until XXXX EST to deposit the required amount to avoid any overdraft fees. So I transferred the amount online by XXXX CST. But still they charged me overdraft for 2 transactions, totaling about {$68.00}. When I called them, they bluntly told me that for online transfers its XXXX CSTand for CASH deposits its XXXX XXXX CST and refuse to return the money back. I am afraid due to this insufficient fees, I might be charged another overdraft fees of XXXX $ as few transactions are pending in my account. Is there any way I can get the fees back??

Company response to consumer: Closed with monetary relief