BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-10
Company: JPMORGAN CHASE & CO.
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: Was not notified of investigation status or results

Complaint:
This complaint is in addition to complaint # XXXX. 

i still have not heard back from Chase Bank on resolving my last issue for not closing out my claim in a timely matter and negative reporting to my credit report. 

XX/XX/XXXX XXXX i called chase bank to inform them that someone has access to my account. The reason for the call is because while logging into my account and seen an unfamiliar number XXXX being the main number where it would receive phone calls and text to access my account. I have never seen this number in my life and there's no record of me calling or updating my information on chase 's website with this information. 

I spoke with 3 different agents on the XXXX ( XXXX XXXX, XXXX from fraud dept and XXXX from the dispute dept ). While speaking with XXXX from the fraud department she stated that in her notes someone in her organization has put that number on my account and could not give me a reason why. She insisted that she removed the number. 

After speaking with XXXX i was passed to a XXXX in dispute department because i'm still trying to resolve my dispute with chase and they are still trying to make me pay for an authorized charge that i reported to them. I was told by XXXX i need to reach out to the frauds department by email as they were not available by phone. 

XX/XX/2020 - Speaking with XXXX in the fraud department we discussed the invasion of privacy issue that i'm having with someone in her company changing my contact information without my consent and information i needed to send in about my open fraud claim. i emailed in the necessary documentation that XXXX XXXX d me to email in. Upon receiving my documentation they will let me know in 5 days a decision on my fraud claim and answer on why my contact information is changed and by who XX/XX/2020 - I have now receive a letter from Chase stating they have now lowered my credit limit down to {$5300.00} because they could not reach me at the telephone number provided on my account. XXXX is a disconnected number that was placed on my account by them Chase has now maxed out my credit card limit because they have added interest to my disputed balance of {$5000.00}. This is unethical by chase was done purposely to affect me because of my open dispute. This letter was sent the next day after i contacted them about the problem. They are still investigating my fraud claim which is well over 90 days and have not resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: International Computer Systems, 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:
I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains. Please help me resolve this issue as it should not have been on my report to begin with but i agreed to pay it and not fight it only because they agreed to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
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: Account information incorrect

Complaint:
XXXX XXXX XXXX EQUIFAX VIA XXXX " XX/XX/XXXX/ XXXXXXXX " XXXX XXXX XXXX XXXX XXXX CA XXXX " XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax XXXX and XXXX, I am writing to dispute the following information that appears on my Equifax consumer report : Dispute 1 " XXXX XXXX XXXXXXXX Reporting 4 times 2 of them are duplicates.

" Student Loan " XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  shows late payments, this is inaccurate. I am in deferment and I have the contract renewal from that year showing I was not late. The laon company made an error and provided me proof I was not at fault for this The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time.

I understand that under 15 U.S.C. Sec. 168i ( a ), you must complete the investigation within 30 days of this receipt of this request. Please send an updated copy of my credit report to the address above. I also request corrections be sent to any creditors who received my report in the last 6 months. Please also be aware that any negative mark found on my credit reports including Equifax from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must delete the entry.

Thank you for your assistance.

Sincerely, XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company since XXXX of last year. This account is not associated with me. I have been fighting this account since it showed up my report. This account is making it hard for me to obtain credit wise because its reporting negatively. I have reached out to the bureaus in regards to this. I have disputed it and nothing is done.

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 2019-01-19
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:
In light of new documentation received by XXXX  regarding disbarment date for the entire life of these student loans Acct # Remove Late Payments & Correct Complete Payment history for these accounts ( Open to close ). Please make sure these are update to show ( NR ) as paid on time and ( ANY LATES ) to paid on time for each and every month. Thanks For each and every one of these loans, this payment dates look pretty much like it does below I know its a lot and I apologize you had to be the one to get this, but thanks in advance for doing this correctly. 
( Accounts with late payments ranging for ( XX/XX/XXXX-XX/XX/XXXX ), which were covered, under either a deferment, forbearance or grace period. As proven via XXXX XXXX XXXX   disbursements )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: EQUIFAX, INC.
State: OR
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:
This is the SECOND complaint I have had to file as Equifax still has not accurately updated my credit file. My bankruptcy is now complete and discharged yet there is a collection account from XXXX XXXX XXXX XXXX showing " Open '' and a {$200.00} balance. 

I did try to call XXXX XXXX XXXX as well and spoke with a XXXX. She told me it was updated. When I told her it was still showing on my credit report, she told me too bad. They have no control over that. That is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Grant Mercantile Agency
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Grant Mercantile Agency Inc. has purchased a debt that does not belong to me. 

1. This is not my debt. 

2. All expenses related to this accident were paid by my Companys insurance carrier, XXXX XXXX. I gave Progressives information to the ambulance Co. personnel on XX/XX/2019. 

3. Company contact information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX 4. Additionally, This is not a legitimate charge. I did not call for the ambulance. The ambulance personnel took no vitals. Provided zero care for me. I told them they were not needed, and could depart the accident scene on XXXX XXXX. I assume the XXXX, CA XXXX operator dispatched this rig. This service was never requested by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Ive tried several times contacting all 3 credit bureaus to get hard inquiries removed from my credit report to no avail. Each bureau told me that they can not remove any inquiry, and that Id need to contact the creditors myself to get them removed. When I contacted these creditors, they also told me that they can not remove them, and that Id need to contact the bureaus to get them removed. Both sides are giving me the run around. I do not and have not owned any lines of credit with the creditors in which these inquiries come from. There are a total of four inquires from XXXX, XXXX/XXXX  ( PayPal  ),  XXXX, and 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 2018-06-07
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
No fraud protection via XXXX despite the fact that it's offered through your bank! 

I used XXXX to purchase concert tickets however I never received the tickets. The amount was {$400.00} and was sent to XXXX ( XXXX XXXX ) via XXXX. 

I contacted XXXX to cancel the transfer only to find out that it's not possible and they can't do anything to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: CITIBANK, N.A.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to have the Fraud Alert removed from my credit report. I have tried getting this resolved many times and nothing has changed. 

Thanks

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 2019-01-18
Company: E*TRADE BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have had a checking account at E*Trade Bank since XX/XX/XXXX. On XX/XX/XXXX I opened a new money market account at E*Trade Bank and on XX/XX/XXXX I opened a second new money market account at this Bank. On XX/XX/XXXX, I sent a certified letter to E*Trade Bank to opt-out of the mandatory arbitration clause following the instuctions contained in the Banks account agreement, which as mailed to me with the new accounts signature card. The Banks acccount agreement states opt-out of arbitration is permitted if requested within 60 days. The US Postal Service confirmed the certified letter was delivered to the Bank on XX/XX/XXXX. On XX/XX/XXXX ( 5 business days latter ), E*Trade Bank informed me they would no longer be doing business with me, were placing me on their no further business list, and I had 30 days to remove funds from my accounts. I sent E*Trade Bank a complaint letter via their online submission system on XX/XX/XXXX and I received a call back on XX/XX/XXXX in which a representative of the bank verbally confirmed that my account was being closed because they viewed me as a business risk since I was requesting to opt-out. I offered to rescind my opt-out if the Bank would allow me to keep my checking account with them open. On XX/XX/XXXX, with all my account balances at XXXX, the Bank closed my checking account without my permission and locked me out of their online website to view statements and account information. What is the point of arbitration opt-out if E*Trade Bank closes my account? That isnt an opt-out if they close your accounts because you opt-out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: I.C. System, Inc.
State: MD
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:
In XX/XX/2020 I learned that I.C System was reporting a debt of {$250.00} on my credit report. I immediately sent a certified letter to I.C Systems which was signed for by XXXX on XXXX XXXX of I.C Systems and the all 3 Credit Bureau 's requesting validation of debt per the Fair Debt Collection Practices Act. I.C System has not provided the validation and failed to send a response to my letter with the 30 day time frame per Fair Debt Collection Practices Act. XXXX & XXXX  have removed the erroneous information from my credit report however XXXX  has not and is stating their investigation has proven it be accurate information but is not providing the validation of debt either. At this point both companies are in violation of Fair Debt Collection Practices Act. I would greatly appreciate this matter being looked into as this negative information is adversely affecting my ability to obtain credit. 

XXXX XXXX Account # XXXX Ref # XXXX Appears on Credit Report as XXXX {$250.00} USPS Tracking #  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 explanation
Consumer complaint received 2019-01-18
Company: Diversified Consultants, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My ex started up a XXXX account. For some reason the account is showing up in my name when I know for a fact my name wasn't on it. Or shouldn't of been anyways. Diversified has repeatedly called me, harassed me, and told me they will make sure my credit score gets hurt from this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I reached out to Transunion in order to dispute inaccurate negative accounts on my report. I never received any investigation results from them to date ( XXXX ). Transunion received my dispute on XX/XX/2020 and have not investigated these incorrect accounts. This is hurting my credit immensely! The incorrect accounts are from XXXX XXXX XXXX {$800.00} and from XXXX XXXX for {$1300.00}. I have disputed the accounts with the creditors directly with no response for my debt validation request.

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 2018-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Credit Bureau : Name : XXXX Credit Bureau : Address : XXXX XXXX XXXX XXXX, PA XXXX Credit Bureau : XXXX Credit Bureau : XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX XXXX : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/2017, and I noticed an unauthorized inquiry had been made. 

I contacted XXXX & XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX & XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Account Control Technology, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A company called Account Control Technology , Inc ( XXXX ) has been calling family members, acquaintances and friends saying they have " time sensitive information '' and must reach me right away. They are calling the children of family members as well. In many cases they are calling these family members at work. Yesterday they called my cousin at work and listed off by name every member of our family and said they would continue to call until they reached me. My contact information has not changed in 19 years. This is not a strategy to reach me directly this is merely a tactic to attempt to cause embarrassment and work related issues.

They refuse to give the name of the company. We found the name of the company by reversing the phone number. Many of these calls have been recorded because they are on work lines.

My attorney advised me to submit this complaint prior to taking any additional action.

This company DOES NOT have my permission to contact any family member, friend, or acquaintance by either phone, direct mail or electronic communication. Any additional attempts will result in legal action.

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 2018-04-13
Company: Paypal Holdings, Inc
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a credit account with Paypal. I ordered an item from them and was unaware that I had reached my specified limit on my account. They attempted to process the charge and posted it as a negative ( {$33.00} ) to my account when it should have been declined. 

In turn I never received the stated item that I had attempted to purchase and thus reached out to them to dispute the purchase. I have never heard anything but have continued to pay my bill on time every month. 

Recently I was locked out of my Paypal account. I attempted to contact paypal and was forwarded to a collection agency. 

It appears to me that they took the amount disputed and sent it to collections without processing the dispute. Now when I call their customer service they route me directly to the collection agency who is unable to do anything but set up payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: Freedom Mortgage Company
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern, We sold XXXX XXXX XXXX XXXX ) and purchased a home ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2019. 
We were advised to not make a mortgage payment because it would cause the payoff amount to be incorrect. I have attached the closing documents for both homes showing that they were both completed on XX/XX/2019 and the loan ( XXXX ) was paid in full on this day. With that being said the loan was paid in full before XX/XX/XXXX and it was not 30 days late.

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 2021-08-18
Company: JPMORGAN CHASE & CO.
State: AL
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:
On XXXX XX/XX/XXXX, I bought two tickets to the XXXX XXXX XXXX in XXXX, TN and purchased the tickets online through XXXX XXXX XXXX. The tickets were for seats XXXX and XXXX in section Tier Front, row XXXX  and the purchase price was {$270.00}, which was charged to my Chase Freedom card on XXXX XX/XX/XXXX. Because of COVID19, the show was postponed several times and was finally rescheduled for this Sunday, XXXX XX/XX/XXXX. Because we has a trip scheduled for XXXX XXXX, I requested a refund from XXXX XXXX XXXX, which was denied because the show had been rescheduled, and was advised by the company to try to sell tickets via stub hub, which I did, but without success. In the meantime, the trip was canceled, again because of COVID, and I was happy that I would get to go to the show. I contacted Secure Box Office and it assured me the tickets were good, but I contacted the XXXX XXXX XXXX XXXX ( XXXX  ) and called them. XXXX told me that there was no record of me having tickets for the show and that other persons had purchased the seats that I had reserved. XXXX had XXXX XXXX XXXX listed as a scalper and told me that I would likely not have success in contacting them. I have tried to call XXXX XXXX XXXX, but just get a recording. The company is obviously a scam and I have not hope of getting a satisfactory answer from them. Since I did not receive the product that I ordered, I contacted Chase to dispute the charge, knowing of course, that the charge was well over 60 days old. Chase refused to accept the dispute because it was old, but I explained that, because of COVID, I could not have possibly known that the tickets were not valid until now, Indeed, I could have just shown up at the XXXX on XXXX XXXX expecting to have seats and found out then. It was only because I was proactive that now know not to bother to drive to XXXX. It is clear that there was a billing error ( A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction ) on my XX/XX/XXXX statement from Chase, although I could not have possibly known about the error within 60 days ( due to COVID ) of the statement date, as required by law. Is there any recourse at all to get my money back for the purchase?

Company response to consumer: Closed with explanation