BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-14
Company: JPMORGAN CHASE & CO.
State: CA
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:
Im trying to navigate through chases convoluted dispute process. 


The number on the back of my card didnt worm this morning XXXX XXXX XXXX I called twice around XXXX XXXX  and I put in my 16 digit card number before being met with heavy static & line noise before a robot told me to call back later. 

No problem I thought Ill just dispute it online. Well chases online dispute is conveniently missing several key areas. They only have I was still being charged and I was charged wrong amount. Neither of these apply to my situation, yet every phone rep I talked to later that day encouraged me to dispute online rather than wait to be transferred. 

All in all I must have put my card in 6 times for verification between my 4 phone calls to get this done. Finally reached a dispute person, she took my statement, then told me she couldnt handle it and had to transfer me to a specialist! At this point Im getting frustrated. 

She transfers me and the specialist is practically starting over from scratch! Repeating everything I just said and asking me to confirm every last detail which normally would be OK but what a complete waste of my time talking to the first agent! 

I need a direct number next time to reach a dispute specialist or an address to write to without getting passed around like a rag doll! 

I talked to XXXX a manager in the disputes department and XXXX in the disputes department. Neither of them were able to help me. XXXX kept telling me because I accepted a gift card from them that I cant do a dispute. I tried to use the gift card with their price match policy and I had lots of difficulty doing so, at one point they tried to kick me out of the store, at this point I just want my money back. 

I did find it strange that XXXX encouraged me to close my account and immediatly transferred me when I told him " why dont I just close my account ''. 

I need a direct number for a dispute specialist or an address to write to next time. This whole process just makes my head hurt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
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:
I have become a victim of identity theft. I recently pulled my credit report and found fraudulent accounts on my credit profile that need to be removed immediately. This has ruined my life. I see several accounts for various amounts of {$29000.00} ; XXXX ; XXXX ; XXXX ; etc. I have tried contacting the company about these accounts and nothing was done. I simply ask that these accounts be removed. I have not given any company authorization to furnish anything to my credit profile which is a direct violation of my privacy and rights as a consumer. Please fix this issue.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am trying to setup an online account with Transunion. I sent in all the required documentation to fulfillment. I've spoken to fulfillment on multiple occasions and their final message to me on XX/XX/21 was " Hello, We regret the misunderstanding. We review your account and your credit file and found that due to lack of credit information on your file the online access might not be available for you at the moment. Also, please know that because of the type of freeze placed was for a minor for security purposes this might also make difficult to access the freeze online. The best option for you will be to manage the freeze over the phone by contacting TransUnion at XXXX XXXX XXXX XXXX Please make sure to have your pin number with you when assisted by one of our agents. 
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 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 was checking my credit reports and noticed an unauthorized account and inquiries furnished on my credit report. XXXX XXXXXXXX account opened XX/XX/XXXX ending in XXXX should be removed from my credit report. Inquiries from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX should be removed from my credit report. I did not consent to, authorize nor benefit from this account or any of these inquiries.. Block and remove this account and inquiries. I have filed a FTC Identity Theft report which is attached. If I received goods or services please have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of this transaction.

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 2023-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit 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/2023, I made a purchase of 14 items with an online retail vendor for {$290.00}. The same day, I received a shipping confirmation generated by the vendor, as well as a XXXX shipping confirmation with a US postal service tracking number. On XX/XX/XXXX, I tracked the whereabouts of the shipment through the USPS website and saw that the package status was : " Pre-shipment label printed; USPS is awaiting shipment from sender. '' I reached out to the vendor regarding the shipping status and am informed that " Processing time for orders is 7-10 business days. '' I reply that the shipping confirmation suggests that the order has already been processed and is now en route to the customer ( me ). However, the carrier has not received the package yet and I am requesting the status of the shipment, not an unprocessed order. Again, the vendor states that they " just print the shipping labels as soon as the order comes in... but the website shows that order processing takes 7-10 business days. '' Having been a long-time XXXX member and former seller, I know that XXXX holds the buyer funds until a seller ships purchased goods. Yet, I continue to wait several days for an update. After 10 business days from the time I placed the order, I contact the vendor. Vendor gives me the runaround several days until I request a refund twice. When it becomes apparent that I'm not getting anywhere with the vendor, I dispute the charge through Bank of America ( issuer ) on XX/XX/XXXX. After that, I open a fraud case directly with XXXX against the vendor, since the vendor used XXXX as the payment XXXX and generated a shipping confirmation to me through them, even though she didn't ship the items. On XX/XX/XXXX, Bank of America notifies me that they have filed the dispute with the vendor 's bank. I receive no other notifications since that time. Today, XX/XX/XXXX, I check the status of my dispute through Bank of America and see that the claim has been closed with a status of " Resolved - Claim not Paid '', with no explanation provided!! I still have not received my order and am out of the money. Now I'm opening this claim against Bank of America for closing the claim with no notification to me -- I just happened to stumble upon it -- and no explanation for the denial nor follow up. As the victim, I am not willing to eat the loss.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-28
Company: DISCOVER BANK
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent the company a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they sent a response, but they did not officially validate the debt by providing all of the requested items in the validation letter sent. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. I also sent them their violations of the Fair Debt Collection Practices Act listed in their response items. Both letters were delivered to the company, and I have a copy of the return receipts and tracking numbers. I also included a notarized affidavit of the violations as well as an invoice for the cost of the harm caused by their violations. 

Tracking number for 1st letter : USPS XXXX Tracking number for 2nd letter : USPS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
Company: Viking Client Services
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I rented a XXXX XXXX from XXXX rental car at the XXXX XXXX XXXX in XXXX, XXXX on XX/XX/2021. At that time I picked up the car, no one from XXXX took the time to review that car for any damages. I personally went around the car and did not see any apparent damage to the vehicle. I returned the car to the same airport on XXXX, XXXX, XXXX. Once again, no one from the XXXX rental agency took the time to review the vehicle. I once again walked around the vehicle and saw nothing different from when I picked the car up. Roughly a XXXX later on XX/XX/2021 I received a letter from Viking Billing Services ( XXXX XXXX XXXX XXXX, XXXX XXXX ) claiming that I owed {$1200.00} for vehicle damage. This is quite clearly a scam. I am starting this route first. My next communications on this will be to the attorney generals of XXXX and XXXX. Since XXXX failed to do any due diligence in inspecting the car either going out or coming back in, I see no basis on which they can make this claim. My next resort if that fails will be to hire an XXXX and seek damages for this clearly transparent attempt at insurance fraud. ( This is my complaint posted with the XXXX ). Next step is the FTC, the XXXX  and XXXX  Attorney Generals, and the XXXX XXXX XXXX XXXX. And, I am sure I can find others. 

I attempted to work with XXXX ( the owners of XXXX XXXX XXXX ) and they basically said there is nothing they can do. 

This company has a XXXX rating with the XXXX and if you google " Viking Billing '' you will come up with a great deal of hits for fraudulent collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
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: Account status incorrect

Complaint:
XXXX/XXXX/XXXX XXXX has listed all account status in collections on my. The accounts listed have been paid off in full. My most recent credit report shows the change, credit file number of XXXX. It list all accounts that can be viewed on report in collection status. XXXX also list accounts older then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ).
Experian has listed accounts more then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ). 
XXXX has listed accounts more then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ). 
Experian is not giving me access to my credit report and I do pay a monthly payment to view, they also will not allow a dispute. Online access is jammed and phone calls turn bad do to naive behavior of employees that do n't understand the it problem associated with online dispute. Because I 'm given the option to use online or phone, this is how I 'd rather discuss it. Using mail requires to much time and I 'm not home during mail hours of operation. Thank You!

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I sent a certified form for my annual credit. The tracking showed that it was delivered on XX/XX/XXXX XXXX XXXX. Your website and all the webstie says to talk to a live person call XXXX XXXX XXXX There is no way to talk to a live person at annual credit report. Please investigate. and provide a real contact phone number to talk to someone in person. Every year i get a hard mailed copy of my credit reports. but now they are making it difficult to get a mailed hard copy. Let me repeat the number that is listed everywhere to talk to a live person is not correct. no prompts to talk to a live person. so the website is false information!!!!

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 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
My XXXX XXXX XXXX card is currently reporting to all credit bureaus as late as of XX/XX/2018. I have always paid my bills on time and this card was not 30 days late then, so I don't know why it is still reporting as late for that month. This has been very damaging to my credit for over 2 years now. Over the past 2 years, I have called multiple times to XXXX and tried to get this situation remedied but I get thrown into an infinite loop with them telling me it is too late, they can not fix anymore, " it was late, '' etc. I still have always remained loyal as a customer to XXXX and paid on time always, even though they have been hurting me for a long time now due to this. It is very unfair for the account to be shown as delinquent when it was never delinquent to begin with.

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 2022-10-25
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have not supplied proof under doctrine of estoppel by silence. XXXXXXXX XXXX XXXX  ( MO ) XXXX XXXX XXXX, XXXX. I Presume that no proof of the alleged debt, nor therefore exists under my identity. I also am victim of identity theft from a family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
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:
There are 6 accounts that are not mine they do not belong to me I have been going back and forth with the bureaus to remove them and they are not helping out I have filed for FTC and sent out multiple dispute letters but no one is doing anything about it or sending me correspondence. Then I get a letter that I am being sued. 

The accounts are XXXX XXXX XXXX  XXXX XXXX : Acct # XXXX XXXX {$5100.00} opened XX/XX/XXXX XXXX - Acct # XXXX Amt {$5400.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$14000.00} Opened XX/XX/XXXX XXXX XXXX XXXX -Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$3900.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$8700.00} Opened XX/XX/XXXX 2017

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 2021-12-10
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX checked my consumer report on XX/XX/2021 and I noticed some damaging information that was listed on my consumer report I then reached out to the agencies that were reporting the false information to correct the situation but they refused to do so

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 2021-05-02
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I pulled my credit report and noticed several inquiries that I did not authorize. I sent in a letter to have the sources investigated to Equifax. Ive called in and the results are always given within 3/4 days, which is not enough time to investigate. The following are the inquires I am disputing : XXXX XXXX XXXXXX/XX/XXXX; XXXX XXXXXX/XX/XXXX; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/. I have contacted the original creditors and they have no record of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Comenity bank has failed to report to credit bureaus since the month of XXXX. It is now late XXXX and my card utilization has gone from 100 % to 0 % but is still reporting a utilization of 100 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Have talked to a representative about the account that XXXX XXXX is calling about, in XXXX, is has continued harassing phone calls for the 16 days. Here is a detailed list of repeated phones calls they have made since then : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation