BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-20
Company: JPMORGAN CHASE & CO.
State: NV
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:
I've been disputing Chase on a charge in the amount of {$530.00} by XXXX XXXX XXXX on XX/XX/18, credit card acct # XXXX ( XXXX ). On XX/XX/18, I, in error, paid chase {$540.00}. I called and verified my payment details with the manager at XXXX via a conference call with XXXX XXXX. However, Chase only refunded {$450.00}, on XX/XX/18. Chase still owes me {$88.00}. Several months later chase put {$450.00} back on this acct. Chase have consistently lied to me, refused to return my calls, or resolve this issue. 
XX/XX/18 I retrieved mail from my XXXX XXXX . Enclosed were copies XXXX XXXX XXXX sent to Chase. XXXX ( chase ) sent the copies ( 16 pgs. ) to me XX/XX/18. These documents have my detailed payment transaction to XXXX. They show the last 4 digits of the card used ( XXXX ), exp. date, my name and address at the time, and date of transaction, XX/XX/18. Nowhere in these documents does it show the use of a chase card # XXXX. This is irrefutable proof that chase refuses to acknowledge. 
I appreciate your attention to this matter. 
Thank you, XXXX XXXX, Ph. XXXX XXXX XXXX. 

Ps : I have attached 4 pgs. of 16pgs. as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My information was sold and bought illegally because I was a victim of the Equifax data breach, I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete all illegal items and accounts from my credit reports. I am currently locked out of my Equifax account and currently can not list items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
These people from "Portfolio Collections" call me multiple times a day and some late at night. One just called me at XXXX. I have repeatedly told them to stop contacting me because they not only will not say what the debt is for but they also will only keep asking for personal information. When I tell them to stop calling me they yell at me and get hostile. I have told them now twice if they call me again I am getting my attorney involved and they start yelling at me. They call at different numbers each time. I don't know what else to do. Please make these calls stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is my name social security number is XXXX my complaint is that experian has filed my disputes for the three negative items that are fraud I filed a federal trade commission identity theft report for the three negative items that are charged off normally experian will delete them in 24 hours off my credit report .and my complaint regarding XXXX  credit reporting agency there's only one negative item that's XXXX  XXXX please tell XXXX  to have that item removed due to fraud I filed a federal trade commission identity theft report with XXXX too

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 2021-11-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction in the letter I sent. XXXX, Equifax, and XXXX violated my rights as a consumer, I also included a screenshot of the law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXXXXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor Name : XXXX XXXX  ) XXXX  Balance : {$400.00} XXXX  Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-12-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have documents from my mortgage servicer stating I have an escrow shortage, and as a result my house payment will be going up to cover the shortage. It appears my beginning escrow balance was changed by the servicer sometime during the last several months. I have documents from Lakeview Loan Servicing dated XXXX with an escrow surplus of {$7400.00} with an actual escrow balance reported for XX/XX/2021 of {$12000.00}. I also spoke to XXXX/Lakeview Loan Servicing on several occasions during these last few months, and inquired about my escrow surplus. I was informed that since I was in forbearance, I could not get the surplus. This amount was confirmed on several occasions by them. I asked for a review of my escrow account since it was now being reported as Lakeview Loan Servicing is providing me an escrow advance. The numbers are all completely different from what was initially reported, and calls to the servicer just reaffirm this incorrect information. The amount of total disbursements for the year are under my actual starting escrow balance of {$12000.00}, so I'm not sure why there was ever an escrow advance in the first place.

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 2022-10-31
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:
Equifax Customer Services, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX Chief Executive Officer & Equifax Customer Services , LLC I recently purchased a copy of my Equifax credit report through the Equifax online , please use this letter as confirmation that I herby Opt-Out and do not wish to resolve disputes with Equifax through arbitration.

Again, I reject the arbitration clause in the Equifax interactive service agreement.

Thank you again for you speedy help with to this matter and noting my account.

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address.

Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Equifax has received my request and that my demand for Arbitration Opt-Out has been processed and honored.

I declare under penalty of perjury that this Arbitration Opt-Out demand to Equifax has been prepared for Presentment to Equifax, by me, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I received a credit report from TransUnion, in an envelope that was completely open with no evidence of initial sealing ( no adhesive or torn areas on opposite side of envelope ). It appears that the envelope flap was sheared off prior to mailing. I notified TransUnion and was provided with a new credit report copy and a fraud alert was placed on my account. I asked about future risks following this incident, and was told that they could not comment. I was told that I could purchase credit monitoring services thru 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 2022-10-24
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Accounts : XXXX  XXXX XXXX XXXX Date opened XX/XX/2021 Balance {$17000.00} This is not verified. I contacted the furnisher and they have refused to provide any documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. You are REQUIRED to delete this immediately according to FCRA Sect. 611. Please ensure this account is removed within 5 days!

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 2021-03-09
Company: Time Investment Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Time Finance Service charged off the credit account on XX/XX/XXXX with the Charge off amount being {$840.00}. They have been increasing the balance of the account after it was charged off. Every month there is a charge of {$6.00}. The credit bureau reported on XX/XX/XXXX that the account balance was {$1200.00}. On XX/XX/XXXX, the account balance went up to {$1200.00}. An increase of {$6.00}. I understand that the account can be updated month to month but the balance isn't supposed to keep increasing after its charged off. I called the company on XX/XX/XXXX and asked them for a 1099 that shows the month to month balance of the account and they said " We don't pay you ''. I tried to get a copy of it, but they don't know what a 1099 is so it couldn't be provided. But I did provide attachments from the credit bureau showing these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
in accordance. with fair credit reporting act XXXX  account # 15 USC 1681Section 602 States I have right to privacy 15 USC 1681 604 A Section 2 : it also states a. consumer reporting agency can not furnish my account with out written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for a late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I opened a TD 60 Plus Checking account. TD Bank was unable to get my mailing address correct no matter how many times I contacted them. My statement was ending up in unauthorized hands. On XX/XX/XXXX I closed my account due to address problem and unprofessional behavior at the branch. Unfortunately, I had a refund from a merchant due me in XX/XX/XXXX. TD Bank said they never received the credit to the closed acct. However the merchant sent me proof of said transaction. Finally a month later they admitted they had the money and sent me the funds with plenty drama. 

Now on XX/XX/XXXX, another merchant has informed me they have also credited my closed account. They have also sent me proof of this transaction. Again TD Bank is telling me they don't have the funds. ( This time the credit is a much larger amount ). 
While the merchant understands that the account has been closed for a long time, they told me it is federal law, that they MUST return it to the account the purchase was made through. I have tried to get TD Bank to cooperate. Please Advise me ... ..Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-20
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I had a XXXX XXXX XXXX Visa card. I was paying my bill on time every month on-line. I received an electronic notification from my credit monitoring system that my account was closed. I called XXXX XXXX and was told they had changed the address of my account due to information received from the United States Postal Service. The address was my children 's new apartment that I had co-signed for but never lived in. I NEVER changed my address with them or with the United Postal Service. The reason for closing my account had something to do with returned mail, which would have occurred because I never changed my address! 

I never received any of their mailed notifications, because I never changed my address. I never had a message from the payment site in the secure message section. I never received a voicemail on my phone that has also not changed. They changed my address WITHOUT my consent and then when they couldn't reach me, they closed my account which will negatively affect my credit. 

I am unable to get basic information on my account without providing numerous identification information, how are they able to take the USPS incorrect information to change my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
About a month ago, I got a letter from Bank of America, which issued my Visa card, telling me to expect a new credit card in the mail, because a some unidentified merchant apparently had a data breach. 

I have called both BofA, and Visa, and neither will tell me which merchant mishandled my data. The BofA representatives tell me Visa wont tell them. The Visa representative tells me its a decision made by the bank that issued my cardin this case BofA. 

I want to know which merchant mishandled my data, so that I can stop shopping with that merchant. Put simply, I dont want to spend money with a merchant that cant protect my data. Yet neither BofA nor Visa will tell me. This seems wrong. 

I cant figure out any reason why the information about which merchant mishandled my personal data should be kept from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2017-11-17
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a XXXX year old XXXX man, and I use a XXXX. I do not own a car, and can not drive. I 've been a victim of identity fraud by my younger brother. He made XXXX dollars worth of fraudulent charges on my debit card number. He never received any cash from an atm because he did n't need to. He used the XXXX  money transfer feature to have money sent from my debit card number, to his bank account. There are several other persons that he sent money to from my debit card to their bank account. I have sat down with the bank manager and identified all of the fraudulent charges from XX/XX/XXXX, to XX/XX/XXXX. I  pressed charges against my brother, and gave the case number to the bank to include with my disputed charges. Regions has denied to credit any of my money back despite having pressed charges against my brother. My brother made all of those fraudulent charges with my name and now it looks like I made the transactions and this is not the case. If the ip addresses can be examined from these erratic charges, they will see that the card was being used in two different places at the same time. Me being XXXX is important in this. I live in a seperate county than my brother, it 's about an hour and a half away. I ca n't drive and do n't own a car, so it 's impossible for me to drive to XXXX, Arkansas, use the debit card several times, and drive back to XXXX, Arkansas, use the debit card , drive to XXXX again, and use the card again, the drive back to XXXX where I live. Regions has denied my claim for these disputed charges. I needed all of this money back, for i 'm handicap and do n't have a job. My brother stole all of it from me. It took me too long to catch on but i 'm not very smart in these matters. My brother knew this about me and took advantage. I was advised to put in a complaint with CFPB. That the CFPB investigates matters just like mine, where it takes more than just glancing over the case, and takes more attention to the details. I need your help. I need this money back, or i 'm not going to be able to pay my rent in XX/XX/XXXX. Thank you, 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 2018-10-04
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It has been once year ( XX/XX/XXXX ) since attempted to fix this issue that was created using my name and SSA #. XXXX used my information on someone else account at a different address than mine. The did their part to " XXXX '' the error from my account and my personal information. They removed the information from one collection agency, but a year later another collection agency has placed this debt that is not mine on my credit report. I have been calling XXXX  and I called the collection company. They each say the other have to remove it. Today XX/XX/XXXX I receive a text from XXXX  saying that they are giving me a credit for this amount. I don't need a credit. I need this taken off of my credit report. I found out who the person was that they were looking for after XXXX texted me the return information for the fraudulent person 's equipment with her address label. The address of the equipment is not mine, nor has it ever been mine. I have gone through XXXX 's theft unit, XXXX unit, and they even unknowingly put another 2 year agreement on my new account without informing me of this. Which would cost me to close my account with them. This is wrong. I need help.

Company response to consumer: Closed with non-monetary relief