BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-02
Company: JPMORGAN CHASE & CO.
State: NY
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:
Hello, On XX/XX/2018, I received a text message from Chase Card Services concerning a charge to my account for {$6400.00} at XXXX XXXX XXXX. I responded that this was not my charge, and then Chase called me. During the phone call, I informed Chase that I was disputing the charge because I had not made it. Chase informed me that they would investigate and they would issue me a new card. 

On XX/XX/2018, Chase informed me that they were assigning me responsibility for the purchase because the item purchased was shipped to my home address. I informed Chase that I was still disputing the charge, as I had not made the purchase and I had not received the item. 

I spoke with XXXX XXXX XXXX and they informed me that the item was ordered via phone on XX/XX/2018 at XXXX XXXX and that it was shipped via XXXX. I spoke with XXXX who informed me that XXXX picked up the order from XXXX XXXX XXXX on XX/XX/2018 around XXXX XXXX - meaning that the item was sent out nearly 24 hours after I had already informed Chase that I was disputing the charge and that it was not my purchase. They informed me that the item was delivered to my apartment building on XX/XX/2018. 

I later followed up with Chase and provided them with my phone records on the date of the purchase, including some of my geolocation data, confirming that I had not called XXXX XXXX XXXX on XX/XX/2018 and that I was not at home when the item was delivered on XX/XX/2018. I was at work when the item was delivered, and whoever ordered the item had requested " No signature required. '' I never received this item and never received any benefit from it. 

I filed a police report with the XXXX on XX/XX/2018, police report number XXXX with the XXXX precinct. 

I also sent a letter to Chase on XX/XX/2018 concerning this dispute. 

On XX/XX/2018, Chase sent me a letter stating that they confirmed the " transactions are valid. '' This dispute process is completely unsatisfactory. I informed Chase immediately that I had not made this purchase, and they did not take any steps to insure that this item was not shipped. They had nearly 24 hours to prevent the shipping of this item, it was their inaction which led to whoever fraudulently purchased this item actually securing the item. 

I will continue to dispute this charge with Chase, I kindly request your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
It was brought to my attention, a local retailer in XXXX NJ, XXXX XXXX, was allowing my ex to use my XXXX XXXX card issued by Citibank. As soon as I was made aware of this, I contacted Citibank as of XX/XX/XXXX as I did not authorize these purchases and or was/is my signature on file! I do not and NEVER have and an authorized user on my card either. I was made aware of this when my ex got arrested, I was listed as a contact person on is car, and was called to come and pick it up. There was an invoice in there in which he made a purchase, half on my card and half on his card. Again I did not authorize this and my card should have NEVER been charged. It is my understanding that there is a 2 year time frame, both which I am and was in when I filed the complaint as one was from XX/XX/XXXX and the other in XX/XX/XXXX for a total of almost 700.00. Please note the first purchase I found by calling XXXX XXXX  corporate office and the rep searched for it via his license plate. The only reason why I did not address this sooner as I was not made aware and I had alot of work done by using my card as well therefore the balance with interest originally made sense. The issue I am having now, is that Citi is not removing the charges, they feel that I am responsible for them which I am not. At NO time should any retailer let another person, regardless of whom it is charge another persons card with out their consent. If they were doing their job correctly, both the retailer and Citi, they would see that my card says clearly see id! I have been a victim of fraud previously! This case was reported in XX/XX/XXXX and had been closed many times for an unknown reason ; I have complied with all of the information they have requested from me. Last week I contacted the corporate office of Citi, and spoke with a rude witch, XXXX. I advised her of all the issues as above in detail, the conversation was at least 30 minutes at which time she advised me she would review it further. My main arguement of which it is clear in the contract is THEY DO NOT HAVE MY SIGNATURE, IT IS NOT AN ONLINE COMPANY AND I DID NOT AUTHORIZE THESE PURCHASES! I AM NOT LEGALLY RESPONSIBLE FOR THEM! I get a call today and she was a witch once again just basically reading me the letter which was sent as of XX/XX/XXXX advising me, to bad there is nothing we can and will do for you. You are legally responsible for these. Again, I am not legally as my signature is not on file. This is not hard people. Since I am getting no where with them, I am turning to you for help. Citi bank and XXXX XXXX clearly promotes fraud and that is against the law!

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 2019-06-18
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There has been a collection debt that was placed on my credit report a couple months ago, i disputed it with the credit agencies and they showed me nothing in return. I reached out to the collector and got into agreeance that if i paid the balance in full that the account would be removed out of my name and credit report. I made the payment on XX/XX/XXXX and i received the receipt with the letter stating our agreement for me to send off to the bureaus to have them remove it as quickly as possible. I just want to make sure i add in the CFPB into the mix of this thing so that the three credit bureaus will do their job and not do anything.

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 2019-06-18
Company: CL Holdings LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have repeatedly attempted to have the information provided by XXXX  to be corrected or deleted. There is an accout from XXXX XXXX XXXX on my credit report that had been SOLD to Jefferson Capital. I then asked Jefferson Capital to validate the debt, they could not and they immediately terminated their collection activity on the account according to the letter they have dated XX/XX/2019. 
I recieved a letter from Experian on XX/XX/2019, Report # XXXX stating that the information was " UPDATED '' and it was not. If the account had been investigated properly it would be clear that account is no longer in collection and/or deleted. The only change to the report ar in the 2nd " comment : '' area stating " the item was updated from our processing of your dispute in XX/XX/2019. '' If that is true why is Jefferson Capital currently on my report still. 
And if XXXX contacted the " data furnisher '' and not used the electronic systems that was used in the last dispute, I feel like this account would be deleted as the credit bureaus XXXX  has done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: First Data Corporation
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019. I checked my bank account for my transactions. I found that unauthorized ATM transactions were made on my account over 200 miles away from where I live and work on XX/XX/2019. The transactions totaled including ATM fees of {$740.00} showing 2 transactions on the same day from the same Cash Points machine in XXXX, NC on a day that I was at work with my ATM card in my pocket. I immediately called Money Network to make a report. They canceled the ATM card, issuing me another card and sent me a claim form stating that the claim could take up to 60 or 90 days to resolve. Less than 2 weeks later after submitting the claim form, I received a letter stating the claim was denied. When I reached out to Money Network the Customer Service Rep was rude and said there was no reason for denying the claim. I appealed the denial and they denied it again with no reason and said they were closing the case. I have since made a complaint with the NC Atty Gen office with no response except another letter from Money Network stating the case was denied and being closed. My wife is out of work and we need that money back in our budget asap. I was using Money Network through my job for payroll deposits. I have since stopped my work payroll deposits due to them not honoring FDIC policies to refund my pay due to ATM scammers. I found out online that Money Network does this often to its customers. I found many other complaints on this same issue with Money Network.

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 2020-03-23
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-04-22
Company: Bread Financial 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: Account status incorrect

Complaint:
I already reached out to the credit bureaus and to COMENITYCAPITAL/XXXX  with account number XXXX, and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-03
Company: EQUIFAX, INC.
State: MI
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:
I contacted XXXX and spoke with a customer service representative, and then a supervisor. <P/>I informed them of the new policies that went into aaffect on XXXX XXXX, 2017 on Public Records and Judgements that appear on an individuals Credit Report. <P/>The Supervisor stated that I could file a complaint, but the XXXX Public Records would remain on my Credit Report. <P/>I need your assistance on having these items removed as well as reaching out to XXXX so that there Departments throughout the Country that speak with Consumers have been educated as to what can be on a report and items that should not be. <P/>Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I fell behind a few months due to unexpected issues. I sent payment in XXXX and my check was returned. I have been trying g to make payments since XXXX and get a repayment plan. I have gotten the run around .my loan number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Affirm 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: Account information incorrect

Complaint:
I purchased a new XXXX from XXXX and financed it through Affirm. I paid it off on XX/XX/XXXX of XXXX to this day XX/XX/XXXX it is still reported on the credit bureau that I owe {$300.00}. I have reached out to Affirm and they have refused. I filed a dispute with the credit bureau and Affirm restated I owe them the {$300.00}. When I emailed Affirm they agreed I did not owe the money but stated they would. It correct the reporting to the credit bureau as I paid it off early.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have written several times disputing the XXXX XXXX Hospital bill and it isn't being removed. I asked them to verify that I am the financial party whom signed the documents to be financially responsible for this bill and I am not that party yet these bureaus keep reporting erroneous items. I am not the party that is responsible for paying anyone 's bills but my own. If they would look at the signatures they will see for a fact I am not the responsible party. Made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA this item should have been verified as incorrect and deleted but the bureaus has yet to comply.

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 2021-06-21
Company: Chime Financial Inc
State: MA
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 a charge of XXXX taken out my account via " XXXX  XXXX  '' I filed a complaint with chime, they ask me to call tmobile on 3 way, tmobile has no record of any transactions with my card, the results came back and I was declined because there " investigation " showed that I made a payment to tmobile for XXXX $ in XXXX, this was an inadequate investigation pulling up my transactions history don't Mean this charge was authorized, further more I didn't make any payments to tmobile in XXXX. I opened a second claim stating that, and it was declined again. Hence tmobile has no record of any transactions at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
Credit Acceptance accounts # XXXX and # XXXX are reporting debts I do not owe. These debts are past the New Mexico statute of limitations and I do not legally owe these debts. I would like these accounts to be removed off of my credit as I no longer owe them.

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 2021-03-11
Company: Experian Information Solutions Inc.
State: OH
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: Problem with personal statement of dispute

Complaint:
All credit reporting agencies have phone numbers reported to you and are on their website that does not work! An automated system gives you slim choices, none of which are to take to a live person, and then it hangs up on you. How about you call the numbers that you have and see where it gets you. Why do these credit reporting companies want you to pay for services when they have to much control of your life and can but burden on you by reporting misinformation and hindering your ability to contact them. Next, how can they report my score correctly when they can't even get my employer correct? My employer is easer to find than my credit card companies. Furthermore, when you file a complaint the company you are filing against should have to show proof of what they are reporting. Lastly, for now, how can the credit reporting agencies have stock? You can not be fair if someone can have control of your company through stock. I would love to know how the government let this happen.

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 2020-11-11
Company: EQUIFAX, INC.
State: UT
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 been disputing items on my credit report with ALL 3 of the bureaus and NONE of them have responded to me. I have been denied financing and it is because there are errors on my credit report that THEY are reporting! I have contacted the Attorney General in their state of operation and you, the CFPB should be ensuring that they are doing what they are supposed to do under the law. They need to remove the errors I have been disputing!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Duncan Solutions, lnc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received debt collection notice from alleged company " Professional Account Management LLC '' dated XX/XX/XXXX for an amount of {$79.00} claiming [ they ] have been retained by the New York XXXX XXXX XXXX 
In the notice was listed my NYS License plate number with toll plaza numbers from a trip I took in XX/XX/XXXX. 
Knowing I did not have an outstanding balance on these tolls, I confirmed this by contacting the XXXX XXXX XXXX and also their collections department. I was assured that I have no account balances related to my plate number, and that no accounts were sent to collections on record. I was also told that XXXX XXXX does not retain the company " Professional Account Management '' for any of their debt collections purposes. 
I also confirmed with my checking account statements, the XXXX payments made by me directly to the XXXX XXXX XXXX in XXXX which satisfied my outstanding balance of my toll violations for this trip in XX/XX/XXXX. 
Upon searching for this company 's website I discovered that my debt collection notice lists a completely different website, phone number, and address than the apparent legitimate company by the same name, which is also debt collection company. No queries of my license plate numbers to the latter produced any record of accounts. 
When I called the number on my notice to directly confront a representative I was given no resolution but only a demand for more of my personal information, and was told that the information she was able to access from her system indeed showed that this is my debt and was opened by XXXX. The representative refused to give me her full name. She refused to provide an address for the company other than the XXXX XXXX XXXX listed in the notice ( XXXX XXXX XXXX XXXX, WI XXXX ). 
She refused to speak jointly with the XXXX XXXX when I offered as a way to mediate the conflict. 
I believe this is a debt collection scam fraudulently using my name and information as a way to extort money from me and I fear the repercussions to my credit as retaliation non payment of a debt I do not owe. 
I have proof of payment for alleged debt and confirmation from the XXXX that they do not retain this XXXXbased company for outstanding collection services

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 2020-08-19
Company: Experian Information Solutions 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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my 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