BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-01
Company: JPMORGAN CHASE & CO.
State: FL
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 XX/XX/2020 I used my Chase card for a week stay at XXXX XXXX in XXXX Fl. On the first night of my stay there was either bed bugs or roaches in the bed. I could not notify management because the lobby closes at XXXX XXXX. So the next morning XX/XX/2020 when they opened up I informed them of the problem, told them I am XXXX XXXX XXXX and wanted a refund. The front desk checked me out and informed me that the manager was the only one to issue refunds. I was informed that he would be in later that day and he will call me when he gets in. As I left the hotel I called my credit card company to dispute the charges and explained the reason why. The credit card company told me to wait until the charges are posted to the account to dispute the charge. On XX/XX/2020 the charges was posted and I disputed the charges by phone. The charges was removed and stayed that way until XX/XX/2020 when I notice on my bill that the credit card company rebill the charges. I called Chase card services to find out why these charges reappeared. they then explained I need to send my my dispute in writing which I did as per the attachments. I never heard anything again from Chase as far as the dispute and I have close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I need some help on the following which are inaccurate and need to be fixed with all three credit reporting agencies. This now will be the third time requested Balances listed on accounts are not accurate for example XXXX XXXX balance is not accurate XXXX XXXX no balance is on this account, pleaes correct Late remarks are not accurate XXXX XXXX XXXX Account was never past due or late this remark is inaccurate XXXX XXXX XXXX   XXXX ( There are many accounts listed through XXXX XXXX ) first balances are not accurate, second never was the payment 90 days late as reflected in my history the loans were in forbearance. This inaccurate remark needs to be removed off of all student loans it is listed on

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 2020-11-17
Company: Colony Brands, Inc.
State: AL
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 APROVE FOR A CREDIT ACCOUNT AT GINNY, S ON OR AROUND XX/XX/2020. I MADE AN ORDER OF HOUSE HOLD OBJECTE ... SHEETSET, OUTDOORS CANOPY, AND A FEW OTHER THINGS, WHICH TOTAL UP $ XXXX..FIRST PAYMENT WAS MADE ON XX/XX/2020 OF $ XXXX.THEY ONLY WANTED ME TO PAY {$25.00} A MONTH, I WANT TO JUST PAY A LITTLE MORE .I HAVE BEEN WORKING ON GETTING MY CREDIT IN ORDER, SO THIS WAS A WAY TO HELP ME.I MADE THAT PAYMENT ON MY XXXX XXXX CARD, MY SECOND PAYMENT WAS THREW XXXX XXXX ON XX/XX/2020 FOR $ XXXX..MY THIRD PAYMENT WAS ON XX/XX/2020.I HAVE BEEN RECEIVING BILLS FROM THEM STATING MY BILLS WAS LATE AND THEY DIDNT RECEIVE ANY PAYMENTS FROM ME, AND THE LAST PAYMENT OF {$50.00} THAT SENT IT BACK TO ME AND THEY PLACED MY ACCOUNT IN COLLECTIONS WHICH IS NOW ON MY CREDIT REPORT..CAN YOU HELP ME WITH THIS UNFAIR TREAMENT..I HAVE PROOF OF ALL PAYMENTS AND CHECK STUB FROM CHECK THEY SENT BACK ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: AR
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:
Someone stole my identity and started opening accounts in my name.

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 2018-07-14
Company: General Information Services, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hi, i had two police traffict tickets for XXXX XXXX XXXX XXXX XXXX XXXX : the first ticket was inXX/XX/XXXX or XX/XX/XXXX and the second police ticket was at the end of XX/XX/XXXX or beggining of XX/XX/XXXX. Now i received a letter from the company i applyed to work with that my criminal record it is still available or funtioning from XX/XX/XXXX until XX/XX/XXXX and the criminal report does not specify that was a XXXX  or XXXX XXXX XXXX XXXX XXXX XXXX. The job fair that i attended was organized by the career source of XXXX XXXX  where i was attending since XX/XX/XXXX because i am receiving economy monetary support of XXXX dollars monthly, but had many bad experiences while speaking with the persons that work at this office call : the career source of XXXX XXXX  locate in the city of XXXX. My first infraction ticket was in XXXX XXXX, XXXX, in XX/XX/XXXX or XX/XX/XXXX and the second ticket was in XXXX, XXXX. And in the paper report says that both tickets are name as XXXX  and XXXX. I think that one of the tickets was a XXXX   and not a XXXX. If you can help me with this criminal recorf that i have that i was denied employment offering by the XXXX XXXX XXXX and the work interview was inside of one of the offices of the career source of XXXX   XXXX  that are suppuso to help you find work but in my personal opinion it is a waste of time because they let private companies do whateber they want with persons trying to find a stable work. Thank you for reading my letter and personal concern.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I need some help on the following which are inaccurate and need to be fixed with all three credit reporting agencies. This now will be the third time requested Balances listed on accounts are not accurate for example XXXX XXXX balance is not accurate XXXX XXXX no balance is on this account, pleaes correct Late remarks are not accurate XXXX XXXX XXXX Account was never past due or late this remark is inaccurate XXXX XXXX XXXX   XXXX ( There are many accounts listed through XXXX XXXX ) first balances are not accurate, second never was the payment 90 days late as reflected in my history the loans were in forbearance. This inaccurate remark needs to be removed off of all student loans it is listed on

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 2020-05-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted an identity theft and police report to Experian, XXXX  and XXXX  and they still have not processed anything. I am a victim of identity theft and there is a XXXX XXXX loan and a XXXX XXXX credit card that do not belong to me showing on my report. Please help me remove these items off 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
Consumer complaint received 2019-05-30
Company: Experian Information Solutions Inc.
State: AL
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX 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 2019-08-11
Company: Security Credit Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX of XXXX I pulled my credit report and discovered accounts that I never opened. I immediately reported this to the FTC, my local police department, and placed fraud alerts with major credit bureaus. XXXX was one of the accounts listed that was obtained fraudulently. I immediately contacted XXXX via phone and they were resistant to listen. I followed their instructions and sent them a copy of the identity theft affidavit, FTC Identity Theft report, the local Police Department report and asked them to remove this information from my credit report. I never received a response however the account was placed in closed status on my credit report and then I began receiving calls from a debt collector they turned it over to after being notified that this account was opened fraudulently and I was a victim of Identity Theft. I also sent the info to the debt collector and they stopped collection attempts. A year later the information is still on my credit reports and I have again sent a request to XXXX by certified mail in XX/XX/XXXX requesting the information be removed and included all police reports and  supporting documentation. I also sent the information to each credit bureau. XXXX again did not respond to me and confirmed the information as accurate with no changes to the credit bureau. A few days later a new debt collector began calling me in reference to this account. I explained to them that it was illegal for them to began collection attempts after being notified that this debt is from identity theft. They told me that the account was just turned over to them for collection and recovery by XXXX a few days ago. They even made a statement that XXXX was doing unfair and unlawful business practices by making them attempt to collect and not telling them I was a victim of identity theft. These business practices are completely unacceptable and it is unfair for a true victim to have to suffer for so long with incorrect information being reported on their credit report by a company that refuses to acknowledge true documentation they have received several times to do the right thing and follow the law. I want this account removed from my credit reports immediately as I feel I have suffered long enough despite my efforts to follow your policies and the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: ALLY FINANCIAL INC.
State: HI
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:
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX BANK add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
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:
XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX   Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
I recently submitted a request for investigation of an Acct Number : XXXX XXXX   Opened XX/XX/XXXX XXXX XXXX XXXX {$500.00} Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 
If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX XXXX SOC SEC # XXXX DOB 1XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX continues to report erroneous information on my credit reports. The account is reporting a charge-off as the first entry in the payment history and shows shows incorrect opening dates. The accounts also has been re-aged with the credit bureaus which is a clear violation and it makes it appear as if they are newer than they should be. I have disputed the XXXX XXXX XXXX account on my credit report two separate times with the latest attempt on XX/XX/2019. If the information being furnished is accurate why are there different dates reported? The results are that these disputes are still being furnished as verified despite no real investigation being 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 explanation
Consumer complaint received 2019-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute with XXXX, TransUnion and XXXX  concerning a collection account they are reporting under XXXX XXXX XXXX {$570.00} ( XXXX XXXX XXXX XXXX  ) This account is not verifiable and inaccurate and should be removed. 

I have enclosed a letter by the original debtor sent through CFPB showing proof of documents they sent stating the debt amount is not valid- XXXX XXXX XXXX  was purchased by XXXX  and here is their notice sent to me. 

I would like this removed and deleted as they clearly show that the amount listed {$570.00} is not accurate and this is fraud by XXXX  and XXXX XXXX by reporting this other wise with out any documentation

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 the 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 2019-08-11
Company: Dynamic Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am in receipt of a notice dated XX/XX/2019 from Dynamic Recovery Solutions on behalf of XXXX XXXX XXXX , XXXX to collect a debt of an outstanding balance is {$580.00}. 

Dynamic Recovery Solutions has stated I can settle for {$140.00} or for {$170.00} in 3 payments of {$58.00}. They have also suggested if I do not pay this debt ; it will be reported to the credit reporting agencies. 

As I have stated in previous complaints with CFPB ; I do not recall having medical services to which I owe this debt. I dispute the validity of this entire debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am filing a complaint against my wisely ( XXXX ) debit card inst. ( acc. no. # XXXX ) and Navy Federal Credit Union XXXX acc. no. # XXXX ). On or aboutXX/XX/2021, I instructed my XXXX debit card inst. to transfer XXXX off my XXXX debit card into my " new '' savings account with XXXX XXXX. Upon waiting minutes for this transaction to go through, I continued ued calling both parties to see if the transaction had been completed. After calling Wisely a few times, they finally asked me to check my account number with XXXX XXXX. Upon checking my online app. I saw I failed, as a new member, to push " more '' to get my complete " savings " account number. I gave wisely the first number visible on my " checking '' account number and added my last 4 numbers visible off my " savings '' account. I immediately called Wisely back and told them I gave them the wrong account number at which time wisely informed me, " if I gave the wrong account number the money would automatically go back into my Wisely account. '' I then immediately called my XXXX XXXX account holder and told them of the error and I was told my XXXX went into another XXXX XXXX members account and there was nothing they could do. I filed a complaint with the dispute dept. for wisely and they concluded no error on them because I gave the wrong account number. I told them yes I did but, I instructed them to transfer XXXX into " my '' XXXX XXXX account, not XXXX XXXX! I have lost XXXX dollars and neither account holder wants to take responsibility. XXXX XXXX should have immediately asked did I give wisely the right account number because, after I waited the five days as wisely instructed me to do, XXXX XXXX told me they could have done something about it if I told them sooner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation